09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX and Equifax continue to report an alleged bankruptcy without proof. I contacted the clerk of court and was told that the court system does not release court records to third parties unless it is an attorney or party to the case that it would be a violation of privacy. This leads me to ask how was this alleged bankruptcy verified?
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result of the refusal or failure, but in no case shall a person entitled to recovery receive less than the sum of {$1000.00} ; and ( B ) the costs of the action together with reasonable attorney fees as determined by the court.
( 5 ) An action to enforce any liability created under this section may be brought in the district court of the United States in the district in which the complainant resides, or has his principal place of business, or in which the agency records are situated, or in the District of Columbia, without regard to the amount in controversy, within two years from the date on which the cause of action arises, except that where an agency has materially and willfully misrepresented any information required under this section to be disclosed to an individual and the information so misrepresented is material to establishment of the liability of the agency to the individual under this section, the action may be brought at any time within two years after discovery by the individual of the misrepresentation. Nothing in this section shall be construed to authorize any civil action by reason of any injury sustained as the result of a disclosure of a record prior to September 27, 1975.
( h ) Rights of Legal Guardians.
For the purposes of this section, the parent of any minor, or the legal guardian of any individual who has been declared to be incompetent due to physical or mental incapacity or age by a court of competent jurisdiction, may act on behalf of the individual.
( i ) ( 1 ) Criminal Penalties.
Any officer or employee of an agency, who by virtue of his employment or official position, has possession of, or access to, agency records which contain individually identifiable information the disclosure of which is prohibited by this section or by rules or regulations established thereunder, and who knowing that disclosure of the specific material is so prohibited, willfully discloses the material in any manner to any person or agency not entitled to receive it, shall be guilty of a misdemeanor and fined not more than {$5000.00}.
( 2 ) Any officer or employee of any agency who willfully maintains a system of records without meeting the notice requirements of subsection ( e ) ( 4 ) of this section shall be guilty of a misdemeanor and fined not more than {$5000.00}.
( 3 ) Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}.
( j ) General Exemptions.The head of any agency may promulgate rules, in accordance with the requirements ( including general notice ) of sections 553 ( b ) ( 1 ), ( 2 ), and ( 3 ), ( c ), and ( e ) of this title, to exempt any system of records within the agency from any part of this section except subsections ( b ), ( c ) ( 1 ) and ( 2 ), ( e ) ( 4 ) ( A ) through ( F ), ( e ) ( 6 ), ( 7 ), ( 9 ), ( 10 ), and ( 11 ), and ( i ) if the system of records is ( 1 ) maintained by the Central Intelligence Agency ; or ( 2 ) maintained by an agency or component thereof which performs as its principal function any activity pertaining to the enforcement of criminal laws, including police efforts to prevent, control, or reduce crime or to apprehend criminals, and the activities of prosecutors, courts, correctional, probation, pardon, or parole authorities, and which consists of ( A ) information compiled for the purpose of identifying individual criminal offenders and alleged offenders and consisting only of identifying data and notations of arrests, the nature and disposition of criminal charges, sentencing, confinement, release, and parole and probation status ; ( B ) information compiled for the purpose of a criminal investigation, including reports of informants and investigators, and associated with an identifiable individual ; or ( C ) reports identifiable to an individual compiled at any stage of the process of enforcement of the criminal laws from arrest or indictment through release from supervision.
At the time rules are adopted under this subsection, the agency shall include in the statement required under section 553 ( c ) of this title, the reasons why the system of records is to be exempted from a provision of this section.
( k ) Specific Exemptions.The head of any agency may promulgate rules, in accordance with the requirements ( including general notice ) of sections 553 ( b ) ( 1 ), ( 2 ), and ( 3 ), ( c ), and ( e ) of this title, to exempt any system of records within the agency from subsections ( c ) ( 3 ), ( d ), ( e ) ( 1 ), ( e ) ( 4 ) ( G ), ( H ), and ( I ) and ( f ) of this section if the system of records is ( 1 ) subject to the provisions of section 552 ( b ) ( 1 ) of this title ; ( 2 ) investigatory material compiled for law enforcement purposes, other than material within the scope of subsection ( j ) ( 2 ) of this section : Provided, however, That if any individual is denied any right, privilege, or benefit that he would otherwise be entitled by Federal law, or for which he would otherwise be eligible, as a result of the maintenance of such material, such material shall be provided to such individual, except to the extent that the disclosure of such material would reveal the identity of a source who furnished information to the Government under an express promise that the identity of the source would be held in confidence, or, prior to the effective date of this section, under an implied promise that the identity of the source would be held in confidence ; ( 3 ) maintained in connection with providing protective services to the President of the United States or other individuals pursuant to section 3056 of title 18 ; ( 4 ) required by statute to be maintained and used solely as statistical records ; ( 5 ) investigatory material compiled solely for the purpose of determining suitability, eligibility, or qualifications for Federal civilian employment, military service, Federal contracts, or access to classified information, but only to the extent that the disclosure of such material would reveal the identity of a source who furnished information to the Government under an express promise that the identity of the source would be held in confidence, or, prior to the effective date of this section, under an implied promise that the identity of the source would be held in confidence ; ( 6 ) testing or examination material used solely to determine individual qualifications for appointment or promotion in the Federal service the disclosure of which would compromise the objectivity or fairness of the testing or examination process ; or ( 7 ) evaluation material used to determine potential for promotion in the armed services, but only to the extent that the disclosure of such material would reveal the identity of a source who furnished information to the Government under an express promise that the identity of the source would be held in confidence, or, prior to the effective date of this section, under an implied promise that the identity of the source would be held in confidence.
At the time rules are adopted under this subsection, the agency shall include in the statement required under section 553 ( c ) of this title, the reasons why the system of records is to be exempted from a provision of this section.
( l ) ( 1 ) Archival Records.
Each agency record which is accepted by the Archivist of the United States for storage, processing, and servicing in accordance with section 3103 of title 44 shall, for the purposes of this section, be considered to be maintained by the agency which deposited the record and shall be subject to the provisions of this section. The Archivist of the United States shall not disclose the record except to the agency which maintains the record, or under rules established by that agency which are not inconsistent with the provisions of this section.
( 2 ) Each agency record pertaining to an identifiable individual which was transferred to the National Archives of the United States as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, prior to the effective date of this section, shall, for the purposes of this section, be considered to be maintained by the National Archives and shall not be subject to the provisions of this section, except that a statement generally describing such records ( modeled after the requirements relating to records subject to subsections ( e ) ( 4 ) ( A ) through ( G ) of this section ) shall be published in the Federal Register.
( 3 ) Each agency record pertaining to an identifiable individual which is transferred to the National Archives of the United States as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, on or after the effective date of this section, shall, for the purposes of this section, be considered to be maintained by the National Archives and shall be exempt from the requirements of this section except subsections ( e ) ( 4 ) ( A ) through ( G ) and ( e ) ( 9 ) of this section.
( m ) ( 1 ) Government Contractors.
When an agency provides by a contract for the operation by or on behalf of the agency of a system of records to accomplish an agency function, the agency shall, consistent with its authority, cause the requirements of this section to be applied to such system. For purposes of subsection ( i ) of this section any such contractor and any employee of such contractor, if such contract is agreed to on or after the effective date of this section, shall be considered to be an employee of an agency.
( 2 ) A consumer reporting agency to which a record is disclosed under section 3711 ( e ) of title 31 shall not be considered a contractor for the purposes of this section.
( n ) Mailing Lists.
An individuals name and address may not be sold or rented by an agency unless such action is
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09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I did NOT give this agency written instructions to report the information on the attached dispute letter and when I requested the removal of it per the privacy act of 1974 and 15 USC 1681b, they denied me my consumer right. Because of this, they have caused me damages and have additionally broken the following federal laws ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages
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09/05/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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I have asked this company to show me proof that I gave them written instructions to report the information on the attached dispute letter and they " verified it ''. Additionally I requested that they removed that information and it was denied. They have broken the following federal laws.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result
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09/10/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I did NOT give this agency written instructions to report the information on the attached dispute letter and when I requested the removal of it per the privacy act of 1974 and 15 USC 1681b, they denied me my consumer right. Because of this, they have caused me damages and have additionally broken the following federal laws ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages
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10/18/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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XXXX, XXXX, and Equifax continue to report my financial account with XXXX XXXX without my written consent. I have not authorized either company to release my nonpublic information. Each reporting agency is indeed a financial institution that makes a profit from each company to report said information. Due to the monetary gain from the creditor the reporting agencies have a financial gain which makes their interest in this account biased. I have requested the accounting history of this account and neither company has provided such documentary evidence. Each company is required to send an opt out notice to each consumer that gives them the opportunity to opt out of the information being shared. I have not received any such notice from either company. No consumer can be late on an open ended consumer plan either. This makes this report fraudulent.
17 CFR 248.124 - Reasonable opportunity to opt out.
CFR prev | next 248.124 Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the XXXX XXXX XXXX XXXX XXXX ( as in effect on XX/XX/XXXXXXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
15 U.S. Code 1637 - Open end consumer credit plans U.S. Code Notes prev | next ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.
( 2 ) The method of determining the balance upon which a finance charge will be imposed.
( 3 ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge.
( 4 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( 5 ) Identification of other charges which may be imposed as part of the plan, and their method of computation, in accordance with regulations of the Bureau.
( 6 ) In cases where the credit is or will be secured, a statement that a security interest has been or will be taken in ( A ) the property purchased as part of the credit transaction, or ( B ) property not purchased as part of the credit transaction identified by item or type.
( 7 ) A statement, in a form prescribed by regulations of the Bureau of the protection provided by sections 1666 and 1666i of this title to an obligor and the creditors responsibilities under sections 1666a and 1666i of this title. With respect to one billing cycle per calendar year, at intervals of not less than six months or more than eighteen months, the creditor shall transmit such statement to each obligor to whom the creditor is required to transmit a statement pursuant to subsection ( b ) for such billing cycle.
( 8 ) In the case of any account under an open end consumer credit plan which provides for any extension of credit which is secured by the consumers principal dwelling, any information which ( A ) is required to be disclosed under section 1637a ( a ) of this title; and ( B ) the Bureau determines is not described in any other paragraph of this subsection.
( b ) Statement required with each billing cycle The creditor of any account under an open end consumer credit plan shall transmit to the obligor, for each billing cycle at the end of which there is an outstanding balance in that account or with respect to which a finance charge is imposed, a statement setting forth each of the following items to the extent applicable : ( 1 ) The outstanding balance in the account at the beginning of the statement period.
( 2 ) The amount and date of each extension of credit during the period, and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the Bureau sufficient to enable the obligor either to identify the transaction or to relate it to copies of sales vouchers or similar instruments previously furnished, except that a creditors failure to disclose such information in accordance with this paragraph shall not be deemed a failure to comply with this part or this subchapter if ( A ) the creditor maintains procedures reasonably adapted to procure and provide such information, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title. In lieu of complying with the requirements of the previous sentence, in the case of any transaction in which the creditor and seller are the same person, as defined by the Bureau, and such persons open end credit plan has fewer than 15,000 accounts, the creditor may elect to provide only the amount and date of each extension of credit during the period and the sellers name and location where the transaction took place if ( A ) a brief identification of the transaction has been previously furnished, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title.
( 3 ) The total amount credited to the account during the period.
( 4 ) The amount of any finance charge added to the account during the period, itemized to show the amounts, if any, due to the application of percentage rates and the amount, if any, imposed as a minimum or fixed charge.
( 5 ) Where one or more periodic rates ma
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09/06/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I have asked this company to show me proof that I gave them written instructions to report the information on the attached dispute letter and they " verified it ''. This is the second cfpb complaint that I made for the same issue. They have broken the following federal laws.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of
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09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I have asked this company to show me proof that I gave them written instructions to report the information on the attached dispute letter and they have not provided it. Instead they decided to keep reporting this information against my authorization. The following laws were broken by these agencies ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.
Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Table of Contents 801. Short title 802. Congressional findings and declaration of purpose 803. Definitions 804. Acquisition of location information 805. Communication in connection with debt collection 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts 810. Multiple debts 811. Legal actions by debt collectors 812. Furnishing certain deceptive forms 813. Civil liability 814. Administrative enforcement 815. Reports to Congress by the Bureau ; views of other Federal agencies 816. Relation to State laws 817. Exemption for State regulation 818. Exception for certain bad check enforcement programs operated by private entities 819. Effective date 15 USC 1601 note 801. Short Title This subchapter may be cited as the " Fair Debt Collection Practices Act. '' 15 USC 1692 802. Congressional findings and declarations of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
15 USC 1692a 803. Definitions As used in this subchapter -- ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection.
( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt.
( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include -- ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.
( 7 ) The term " location information '' means a consumer 's place of abode and his telephone number at such place, or his place of employment.
( 8 ) The term " State '' means any State, territory, or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
15 USC 1692b 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney 's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
( d ) Consumer defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity.
15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
15 USC 1692h 810. Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer 's directions.
15 USC 1692i 811. Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
15 USC 1692j 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
15 USC 1692k 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs.
( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ) of this section, the court shall consider, among other relevant factors -- ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional ; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector 's noncompliance was intentional.
( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.
( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs.
( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.
15 USC 1692l 814. Administrative enforcement ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule.
( b ) Applicable provisions of law Subject to subtitle B of the Consumer Financial Protection Act of 2010, compliance with any requirements imposed under this subchapter shall be enforced under -- ( 1 ) section 8 of the Federal Deposit Insurance Act [ 12 U.S.C. 1818 ], by the appropriate Federal banking agency, as defined in section 3 ( q ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( q ) ), with respect to -- ( A ) national banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ] ; and ( C ) banks and State savings associations insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), and insured State branches of foreign banks ; ( 2 ) the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Administrator of the National Credit Union Administration with respect to any Federal credit union ; ( 3 ) subtitle IV of title 49, by the Secretary of Transportation, with respect to all carriers subject to the jurisdiction of the Surface Transportation Board ; ( 4 ) part A of subtitle VII of title 49, by the Secretary of Transportation with respect to any air carrier or any foreign air carrier subject to that part ; ( 5 ) the Packers and Stockyards Act, 1921 [ 7 U.S.C. 181 et seq. ] ( except as provided in section 406 of that Act [ 7 U.S.C. 226, 227 ] ), by the Secretary of Agriculture with respect to any activities subject to that Act ; and ( 6 ) subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau, with respect to any person subject to this subchapter. The terms used in paragraph ( 1 ) that are not defined in this subchapter or otherwise defined in section 3 ( s ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( s ) ) shall have the meaning given to them in section 1 ( b ) of the International Banking Act of 1978 ( 12 U.S.C. 3101 ).
( c ) Agency powers For the purpose of the exercise by any agency referred to in subsection ( b ) of this section of its powers under any Act referred to in that subsection, a violation of any requirement imposed under this subchapter shall be deemed to be a violation of a requirement imposed under that Act. In addition to its powers under any provision of law specifically referred to in subsection ( b ) of this section, each of the agencies referred to in that subsection may exercise, for the purpose of enforcing compliance with any requirement imposed under this subchapter any other authority conferred on it by law, except as provided in subsection ( d ) of this section.
( d ) Rules and regulations Except as provided in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ], the Bureau may prescribe rules with respect to the collection of debts by debt collectors, as defined in this subchapter.
15 USC 1692m 815. Reports to Congress by the Bureau ; views of other Federal agencies ( a ) Not later than one year after the effective date of this subchapter and at one-year intervals thereafter, the Bureau shall make reports to the Congress concerning the administration of its functions under this subchapter, including such recommendations as the Bureau deems necessary or appropriate. In addition, each report of the Bureau shall include its assessment of the extent to which compliance with this subchapter is being achieved and a summary of the enforcement actions taken by the Bureau under section 1692l of this title.
( b ) In the exercise of its functions under this subchapter, the Bureau may obtain upon request the views of any other Federal agency which exercises enforcement functions under section 1692l of this title.
15 USC 1692n 816. Relation to State laws This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter.
15 USC 1692o 817. Exemption for State regulation The Bureau shall by regulation exempt from the requirements of this subchapter any clas
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.
My only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX.
Also, my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXm requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not accurate and should be removed immediately.
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate.
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
I look forward to your written response confirming your compliance on this matter as well as an updated credit report.
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates " Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer. I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed.
challenged account : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting on my consumer credit file without providing me any communication regarding the account and debt alleged owed XXXX under FDCPA they are suppose to provide me a notice within 5 days before furnishing on my reporting, providing me notice of the debt pursuant to 15 U.S. Code 1692g - Validation of debts- a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. they did not lawfully provide proper communication that i have a right under 15 U.S. Code 1692g - Validation of debts- ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These companies are reporting late payments, collections, and 30 day, 60 days,120 days payment on dates that are PPNL PAID AND NEVER LATE there fore prompting me to not be able to properly responded during the dunning period for the alleged debt which does not constitute for me to be liable by law under 15 U.S. Code 1692g - Validation of debts ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; they are communicating with Third parties XXXX, EQUIFAX, XXXX, XXXX XXXX with out proper permissible purpose under 15 U.S. Code 1692c - Communication in connection with debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. this company is also furnishing incorrect incomplete in accurate information they are claiming to have charged off and collecting which they can not do, i asked them for validation of debt This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : 15 U.S. Code 1681e - Compliance procedures-a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter. ( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph. 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes. In addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. - Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. - Proof that you are licensed to collect in my state. - Your license numbers and Registered Agent or Agent of Service. - The identity, name, and address of the original creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Experian, Equifax or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, ,2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : Equifax, Experian and TransUnion ) request shall be sent to me immediately. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. they failed to do so. they also did not provide me with my 1099C tax form for the charge off i have to turn all charged off debts in on for income on 1099c in which they are claiming to have done while unlawfully still trying to collect.
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ( Original XXXX : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes.
In addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.
- Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
- Proof that you are licensed to collect in my state.
- Your license numbers and Registered Agent or Agent of Service.
- The identity, name, and address of the original creditor.
-copy of the debt purchase aggrement with creditor with terms and conditions attached Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, Equifax or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, ,2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate, when in fact there is no provided proof that it is accurate.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
If your company fails to respond to this validation request within 30 days from the date of your 1 of 2 receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX ) request shall be sent to me immediately.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Here is a list of accounts that you claimed were verified FALSE LATE PAYMENT REPORTING THESE FOLLOWING ACCOUNTS WHERE NEVER LATE [ PPNL ] [ PAID NEVER LATE ] AND SHOULD BE UPDATED AS PAID AS AGRRED.
XXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX XXXX XXXXXXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX XXXX [ LATE PAYMENT XX/XX/XXXX DAY XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ] XXXX XXXX XXXX [ LATE PAYMENT DATES FED XXXX, XX/XX/XXXX ] XXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX XXXX [ LATE PAYMENT DATES XXXX XXXX, XXXX, XX/XX/XXXX, XXXX ] Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.
I have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information. Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.
( B ) Considerations. In prescribing regulations under subparagraph ( A ), the agencies shall weigh : ( i ) the benefits to consumers with the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity of consumer reports of any such requirements ; ( iii ) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on the credit reporting process if credit repair organizations, as defined in section 403 ( 3 ), including entities that would be a credit repair organization, but for section 403 ( 3 ) ( B ) ( i ), are able to circumvent the prohibition in subparagraph ( G ).
( C ) Applicability. Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ).
( D ) Submitting a notice of dispute- A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that : ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute.
( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall : ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
( F ) Frivolous or Irrelevant Dispute ( i ) In general. This paragraph shall not apply if the person receiving a notice of a dispute from a consumer reasonably determines that the dispute is frivolous or irrelevant, including -- ( I ) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information; or ( II ) the submission by a consumer of a dispute that is substantially the same as a dispute previously submitted by or for the consumer, either directly to the person or through a consumer reporting agency under subsection ( b ), with respect to which the person has already performed the person 's duties under this paragraph or subsection ( b ), as applicable.
( ii ) Notice of determination. Upon making any determination under clause ( i ) that a dispute is frivolous or irrelevant, the person shall noti
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02/06/2022 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I have filed a complaint with all 3 reports and I provided proof that XXXX XXXX XXXX shouldn't be on my report at all as the vehicle I purchased was a fraudulent loan. I provided proof that I was denied the loan at a lower rate and lower price and then the dealership illegally provided 2 additional contracts each were done 2 weeks apart and 2 weeks apart from the one I was denied but then the loan company accepted the 3rd contract that was for a higher amount higher percentage and the dealership also asked me for an additional $500 down from the original $1000 down and when I provided it they didn't put it into the down payment and told me "it was put into the back end of the loan" at which point I refused to sign that 3rd contract that was already illegal because they cannot issue more than 1 contract unless it's all done on the same date and not on additional dates done later which is what was done & I provided the proof to the 3 reporting agencies as well as proof that the loan company didn't even follow the paperwork that showed the dealership responsible to pay my 1st 2 payments that they signed on an I.O.U. document they had with my contract but then the loan company reported them as missing payments and reported them as being behind in payments. I was also made and forced to sign the contract when I requested my money back from the dealership immediately upon giving me the 3rd contract which was done 6weeks after the 1st contract I signed that was denied by the loan company stating I didn't have the credit to afford the 1st contract but then they approved the 3rd that illegally didn't show my additional $500 I put down and so the dealership paid off an undercover metro police officer to scare me into signing it by putting me in handcuffs and threatening me with being charged with theft as if I had stolen the vehicle since I had the vehicle since the 1st contract 6weeks earlier (I was told that the loan company was also aware of what was being done to me and I called them the day after I signed it under duress after they did that to me at the dealership and requested my down payment & wanted the vehicle turned back in within my recession period after signing in the day before and they refused and told me the down payment was staying at $1000 even though I paid $1500 which was the reason they said I was denied the 2nd contract cuz they needed more down but then they did this to me). So when they denied me trying to stop this plus I didn't know how I could even be approved for the amount even I was on such a low fixed income and only wanted to spend less than $8000 on a car and they denied my 1st contract 6weeks earlier at a lower amount but now we're approving over $17k when I wasn't approved the 1st one at over $15k? The results were from not having a good debt to income with a whole slew of other problems they said I wasn't approved. So my only opportunity to make this right was to file a complaint with the DMV where I shared how they lied about my down payment, had me sign 3 different contracts all 6 weeks apart and I had proof and shared it and told them of signing it due to being put in handcuffs cuz they paid off an off duty cop that they told me about after I signed it because it cost them an additional $500 to pay off the cop so they were asses and told me that my $500 extra went to hiring the off duty cop. I also had a friend at the time that went thru them and her problem was that she didn't have money for a down payment so they told her lie and say that she paid a $2k down payment when she didn't pay anything for a down payment. She also gave her information to the DMV when they did their investigation. The DMV also went under cover and had their team go into the dealership with both scenarios in mind and represented both situations with their investigators and the dealership was in violations of the law and again proved my accusations to be true and substantiated. The DMV immediately revoked the dealerships business licenses and all owners and anyone associated with running the dealership was given lifetime revoked licensing that they will not issue licenses to any of these individuals or business entities any licenses for the state of Nevada at all ever. I was provided with a letter stating this and that my coerced signature of my contract with the dealership should be accepted as a void of my contract with my down payment returned to me and they said that if it is not then I should volunteerily return the vehicle to the loan company and request my monies be returned and that my credit report is not negatively effected by any of this. They said that the loan company is as liable as the dealership because they are responsible for doing business with reputable dealerships that are working within the law and that if they are working with companies that are not within the law and that they are under the understanding that they work with companies that use the same values and work under the same laws that they do and they work with them knowing these dealerships represent them when they work with them therefore when these dealerships work outside the law and illegally use deception in order to be rewarded a contract that they wouldn't normally be rewarded had they worked within the parameters of the law and were honest with the customer in obtaining their business and doing business with them, the loan company understands that they do business with these companies acknowledging that these businesses are a direct representation of their loan company as the customer doesn't pick out the loan company themselves that will be used to provide them with a loan for their purchase so that anything the dealership does outside of the law is in direct alignment to them and they know that they are equally as responsible as the dealership because they stand up for the businesses that they choose to do business with and that means also taking on all of the dealerships illegal activities as well. Not only is that the case but I made them aware of what happened the following day and let them know that the dealership and off duty cop also stated that the loan company was aware of what was going on and was 100% not only approved of by the loan company but also requested and of course the loan company denied it. I also sent them parts of the contract that they claimed they didn't receive and therefore wouldn't give me the credit on the 1st 2 payments that show that the dealership owners signed off and agreed to and they said that they wouldn't allow me to rescind my contract signature the following day and wouldn't provide me with my down payment in full back and this is after I explained everything that went on the day before and how the dealership actually was able to get my signature on those documents and that it was under duress. So even with all of that info they refused to allow me out of the contract. They were also sent the letter from the DMV regarding the dealership and the investigation that went into revoking all licensing of the dealership and shutting the business down based on them running illegal business practices that were Substantiated by multiple illegal contracts provided to the DMV providing the proof to start the investigation and then under investigation working with undercover agents of the DMV, the dealership was standardly practicing the illegal actions that were reported by customers that had been responsible to pay illegal contracts obtained by the dealership. So the DMV let me know that the loan company knowing that this investigation went through and the dealership was revoked all licensing and future licensing in the state of Nevada, that it was my complaint that started the investigation and was proven to be obtained using illegal business practices and actually used deception in order to be awarded my contract that it would not have been awarded had they used standard business practices and were honest in their practices with me, that they would not have been awarded my contract and that the loan companies are well aware that they are as responsible as the dealership because they choose to do business with the dealership and that they do so with the understanding that they are doing business within the parameters of the law and that they represent the loan company fully as the loan company is given to the client by the dealership when they choose to do business with that loan company for that contract and the customer only has the dealership to provide them with any and all information on the loan company that the dealership chooses to use to get them a loan therefore anything they do illegally is also directly attached to the loan company that they choose because the loan company does business with the dealership opening representing that the dealership is in direct alignment with the values of the loan company and accepts that whatever representation the dealership has with the customer also correlates to the loan company that does business with them and that the loan company is well aware of this and should have no problem now with allowing you to turn the vehicle in volunteerily and providing you back with your down payment at the very least and most likely will also provide you with the money that you had already paid to them for the loan because you requested that the loan be voided the day after it was signed and even though you provided all of the information to them they still denied it knowing that the customer was letting them know of business practices the dealership was providing on their behalf that were not in the parameters of the law and you also provided them with the friend that was actually denied a loan with them because when they called to confirm the down payment she had told them that she didn't provide a down payment when she was supposed to lie and state $2k so the dealership had to go with a different loan company with her and tell her lie to the next loan company or else she wouldn't get the loan so she did and got it. When they called to confirm my down payment it was the 2nd contract that they actually denied and stated they needed a greater down payment in order to approve me to the dealership so the dealership told me this and had me come in 4 weeks aftwr the first contract denied, 2 weeks after the 2nd contract was denied and needed me to provide them with an additional $500 in order to approve the contract so when I came in with it and they rewrote my contract it didn't show a change in the down payment so I refused to sign it and asked for my money back. They told me that I had to sign it. I told them no because I didn't want the car for the sales price they now had and then didn't even add the additional $500 I just provided them with and they used that it was in the back of the loan when I was working before this In timeshare and I was well aware of how contracts were written and I was an accountant so there is nothing they can say in order for me to change my mind so I wanted my money back that I put down - the entire $1500 I provided to them. They told me I needed to give them the vehicle and that they may or may not give me back $1000 of the $1500 I provided based on the fact that there's nothing anywhere that shows that I even brought in the $500 from today so did I really want to blow up this deal and be without a vehicle and not be able to get another vehicle for who knows how long since they wouldn't be giving me all my money back and would only be giving me $1000 back if I did give the car back and that they were going to have a problem with my paperwork and it was going to take approximately 3 months before even giving me back the $1000 so wouldn't it be a hell of a lot easier on me to just sign the contract for the car. I said no and that I want my $1500 in full returned to me immediately, I wasn't signing their contract and I would return the vehicle back when they have my money to me. I left and told them to call me when they have my $1500 and I would return the vehicle at the same time. I left the dealership and called the loan officer to let them know what was going on. They told me if I didn't want to sign the contract that the dealership was responsible for returning my down payment and if there is a discrepancy in how much that down payment is then that's between myself and the dealership and that the 3rd contract is approved by the loan agency and I asked how that could be when the dealership said that the 2nd wasn't approved because the loan company needed to see that I had more money available first with an additional amount of money as a down payment so they said $500 additional was good enough and that it would be approved but here they approved it without an additional amount as the down payment like I was told I needed to provide so I did but then it didn't show in the down payment but the 3rd contract showed all different amounts then the previous 2 contracts over the last 4 weeks but this is approved? My 1st contract was denied by them and the income to debt ratio was used, also the amount of collections, adverse credit on my report and it was that I didn't make enough money being on social Security on a low fixed income to be able to pay such a high payment based on the price of the vehicle and my social Security was about to be reduced by $1000 per month because my child was turning 18 and I told the loan company that I wanted a loan for a vehicle that was at most $8k and now this loan was over double that and I had another 1-2months before my income was going to be reduced by 1/3rd of what I get. How was it even possible that they were approving the 3rd contract that I was yet to even sign? The loan officer was flustered and told me that I had already had the vehicle for over 4weeks now and I needed to sign the new contract provided or else the dealership needed the vehicle back. I told her that that is exactly what I want but I want my down payment at the same time so that I can go get a loan that's half the cost of this loan that I can't afford but in order to do that, I need my down payment. They told me the down payment shows as $1000 and they can only go by what the dealership has in the documents and the dealership is stating that the down payment is what it shows and we don't have any reason to believe it's any different from what they are stating and that they can hold your down payment from you for 90days if that's what the dealership wants to do and they stand by the dealership. I told her they need to let me know when my full down payment is ready to be returned to me and I will turn in their vehicle to them by going there and they can give it to me at the dealership and providing me with a way back home after that or they can pick it up from me at my address when they give me back my full down payment. The dealership called me 2 days later and told me to come down and they had my down payment of $1500 for me and if I can bring the vehicle that they would give me the full down payment and drive me home. I showed up to the dealership and when I got out there was a black Escalade directly behind me and he put his lights on, walked out in plain clothes and told me he was a metro Police officer and I was being arrested for stealing this car that I drove in that I have had for 6weeks without signing a contract and that if it isn't signed today then he's taking me to jail where I will be for a very long time. He told me he was contacted by the dealership and they let him know that the loan company was also going to press charges if I don't sign documents today. I told him I've only had it for 6wks because they tell me a contract is good and the loan company approved only to find out 2 weeks later when thry tell me to come in for my pink slip that I have to sign new contracts because the last wasn't approved and they did that to me 3 times now and the last time they asked me to bring in more money, I brought in $500 that they took and then gave me new documents to sign and then I saw that the extra $500 I gave them that they had not put into the down payment so at that point I wasnt signing a fraudulent contract and I asked for all of my money back and they could have the car where they threatened me and said they wouldn't give me all of it back and the 2/3rds they would give back would at least be 3months at the earliest they would give it back so that I wouldn't have any opportunity to buy another car used or new from private seller or dealership so I would be without a vehicle for at the very least 3 months and I would be out $500 even then when Im on a low fixed income to begin with so I told them they would get the vehicle back when I get my money I put down for it in full back. The officer said that's something I can tell a judge but he was here to arrest me if he didn't see a signature on the contract. I told him I would sign it under duress and I said that in front of all the ppl working at the dealership and I said that there is at least a 3 day recission period where I can say I don't want this vehicle I want my money back and they have to do it, it's my right to have a change of heart within 3 days and so I will sign this under duress and I'm calling the loan company in the morning to tell them what happened and that I'm not doing this and my money needs to be returned immediately. So in the morning I called the loan officer assigned that I had been speaking to and let them know everything and I said I do not want this vehicle, I didn't want to from the beginning cuz I couldn't afford it then and didn't want it but I was given this and that and told things to talk me into it but then I was denied by the loan company and so relieved when I got the notice in the mail so that I could return it and so when I went back in to return it I was told that the contract was already changed and approved by the loan company and I already had it for 2 weeks so I couldn't get out of it now and I was lied and deceived throughout so that I would feel like I had no no choice but to accept the lies they were telling me. Well so at that point I thought I was screwed until they asked me for more money and that's when I started looking into things and what my rights were. So by the time all of this had come down I had read every word of every page of each contract and read up all about the legalities in purchasing a vehicle and who is responsible for what and also asked questions online because I felt like I was deceived so that they could get me to pay for a car I couldn't afford and wouldn't have even paid for or ever even done had they not made me feel as if I had no choice and pressured me into it and then when I decided while contracts were denied and no new contract that could be approved was even signed that I wasn't going to buy this vehicle that I couldn't afford and I had every right to get my money back and not accept this vehicle I didn't have enough money to buy and the loan company didn't think so either which is why they denied me for all the reasons I only wanted a car that was less than $8k to begin with cuz I knew I couldn't and wouldn't be able to afford the payments on it. But when I called to tell the loan company what happened and how I signed under duress and that I was told that they were also named by the police officer stating that he was told that the loan company was also going to press charges and of course the loan company said that they had nothing to do with that and that the loan had already been processed and there wasn't anything like a 3 day recission available or legal and although I know that to be the case for timeshare it isn't something they do in the car industry and unfortunately I was responsible for the loan and couldn't turn it back in and get my down payment back and if I didn't want the vehicle and my down payment was wrong I shouldn't have signed the contract. So I had to go to pick up my pink slip at the dealership and that's when they apologized for all of the problems and said they were sorry but they had to do what was necessary to get the deal done and that my extra $500 ended up having to go pay to get that off duty cop to scare me but it was for the good of all because it finally got done. I told them everything they did was against the law and I would make sure they paid for it. They told me they knew ppl in high places and that the law was on their side regardless of how much they decided they needed to stretch it so to just remember that when I go against them that the consequences of my actions may land me in a jail even if I'm right, no one will ever believe me or find out any different because they were able to get it done when I told them I wanted my money back and didn't want to sign docs and I was forced to do it and had no proof to the contrary (because they had no idea that I saved my illegal contracts that they did and lied and told them I threw them away when they asked for them so maybe no one would've believed me against them and the lying loan company as well but I had those docs and the denial of credit and adverse action the loan company sent and my friend even though they told her not to say a word about having to lie about her $2k down payment on her contract that she didn't provide to them - she told me so that I could use her statement to go to the DMV and file a complaint even if it got her in trouble for it because she saw the hell I went through and how much I didn't want the vehicle and wanted my money back but they weren't allowing me to do it and made me go through with a contract I didn't want and couldn't afford. So I went to the DMV and they did the investigation and said that the loan company was as responsible as they were and that they knew what happened to the dealership and it looks bad for them because they do business with them that shows ppl that they condone illegal practices from the ppl they do business with and it shows that they also may allow these illegal practices to occur in order to get their contracts signed and that by all of this happening and it being your contract that was determined the dealership used illegal business and sales tactics in order to be awarded the contract that the loan company would not want to have an association to that and that I should be able to volunteerily return the vehicle and get my full down payment back and probably all the payments I did end up forcibly paying until I could no longer do it because I couldn't afford it. If they won't do it by speaking to them and also letting them know you spoke to the DMV and they stated that they are just as liable for the fraud and deception used in my contract even by just doing business with the dealership and they know this due to being in business in this industry and accepting to do business with dealerships and what your liability is and involvement in the kind of company they are and values they represent. He told me that if I have to then I can file a lawsuit against them but would have to do a small claims court but then when I volunteerily turned in my vehicle and told them why for which they actually picked it up as a non payment repossession instead of the voluntary repossession I requested based on my entire history and all the documents I had proving the contract was illegal based on the illegal contracts I have, the documents signed that they wouldnt actually go by those documents and actually put me down for 2 missing payments when it shows in my documents that they actually accepted that the I.O.U. from the dealership owes me the first 2 payments to be paid but it also has the 2nd contracts dates and they moved it over to the 3rd but I'm sure the loan company wants to claim ignorance by saying they didn't know about the illegal practices that were committed so if they then show 2 different dates on contract docs then it shows they were a part of the illegal practices from the start but it also shows that based on my 1st contract being denied and the date of the adverse letere they sent to my home denying my contract approval based on not being able to afford it or having the kind of credit that's able to afford the loan I was getting and I agreed but then they approved the 3rd contract that had the highest price tag with the most interest when I was only a few months away from a reduction of my pay by 1/3rd yet they still approved it and they approved it after denying 2 other contracts with the 1st being 6wks prior and 2nd being 2weeks prior and all for the same dealership same customer same information and all were for different dates which is completely illegal but they knew all of that yet still did it and even when even greater illegal practices and inmorale practices that should never be done to any customer forcing them to take on an expense they knowingly can't afford and didn't want and only wanted the money that she gave for a down payment returned immediately in order to not have to go without a car to take her kid to school and her husband to find work, they used that against her and did the most heinous things in order to force her to do a contract she didn't want and couldn't afford that actually made her homeless sleeping in the car that she had voluntarily repossessed knowing that by doing so that she would putting her husband her dog and herself out to the street and having her kid move in with a friend and have to drop out of college in order to try to correct the illegal and fraudulent acts that were forced upon her in order to make her by something she didn't want and couldn't afford so I knowingly called to come pick up the vehicle so I could then file a complaint with the attorney general or file it online with credit reporting or what not in order to get it off her reports and possibly get her down payment back and maybe get her other payments back but even I highly doubted I would get any money back and filing small claims wouldn't work because the vehicle was for $17k and they lied about how much they got for the car and how much all the fees and everything else costs because they say that the brand new car that I voluntarily had repossessed because the entire deal shouldve been reversed based on the truth of what happened and the investigation that the DMV did using my complaint and having the investigation result in revoking all licenses and not allowing any licenses to ever be available to the ppl involved in that dealership and DMV found my complaint to be accurate and true and it was a letter stating that my contract was fraudulent and was awarded based on deception and shouldn't have ever gone thru and I shouldve been able to get my money back and not have it affect my credit negatively and that if the DMV had the legal right to award my money back and give back the vehicle and either post to my credit reports that it was paid in full and no history of negative or adverse credit with that account and only showing good credit history with that loan or have it completely removed off all my credit reports resulting in no negative credit reporting at all for all 3 credit reports for this loan and that all the money that I paid for this vehicle including my full $1500 down payment and not the $1000 the dealership lied about returning all in full - they would gladly and rightfully make all of this happen for me after the misjustice done to me with this loan and all that I was put thru when this shouldve never happened to me but unfortunately even though they can investigate and find the evidence that I was absolutely correct in everything I have said about all the illegal practices that were committed by the dealership that the loan company is also responsible for based on the relationship that they have with the dealerships that they stand behind when they decided to do business with them - if the DMV could award me everything and all of my money back and even award monies back for all that I went thru as fees for all of the illegal practices against me, they said they would gladly do so but unfortunately the only thing I could do is voluntarily repossess based on the evidence of all the illegal practices that their investigation proved to be true all from my complaint on my contract and hopefully I could file against the dealership and loan company in small claims court and that the credit agencies would take it all off my credit reports and I would be awarded all of my monies back that I had paid into the vehicle but they do not have the authority to provide me with monies from these companies for their wrong doing but the dealership was fined heavily on behalf of the DMV and the investigation is at DMV and any agency or law agency can get all the information from the investigation and my original complaint or even just what they were charged with and their licenses being revoked and never able to be restored and how the loan company is looked upon in the industry as far as their involvement or responsibility when the DMV has wrongdoing, fraudulent actions, and using deception in order to be awarded sales that they normally wouldn't get and the loan company knowingly approving a contract that has already had 2 others denied all weeks apart for the same vehicle same customer when that is completely illegal and denying the those contracts based on debt to income and not having the money necessary to fund and pay those contracts but then being able to pay a larger contract with more interest after denying 2 others that the customer maintains they didn't want and told the loan company prior to signing the contract under duress that was all proved to be true in the investigation. I will send the documents to you after sending them to all of. The credit agencies and even though I sent them proving the loan company is lying - they still keep it on my credit reports and they can go to the DMV and get the investigation and letter to me that's all on file for the dealership shown in my records and anyone can see that they are lying. I can't get all of that info - I don't think but I was told that you can. Also was told the industry knows that the loan company is as responsible because they did business with the dealership and that's enough to be just as liable. Also I voluntarily had this repossessed so that I could do something about it especially after not even following the contract they approved that had the dealership paying my 1st 2 payments which made me always in default right from the start so that no matter what it would be repossessed anyway after everything they already did wrong to me and so I told the loan person I was assigned to that they need to come pick it up so that I can start to try and fight all of this and although I didn't think I was ever gonna see a dime back from all of this wrong doing to me, the least I could do is contact my credit report agencies and provide all of the proof that I have including the fact that I have a witness to all of this happening and that's my husband along with an acquaintance that I used to know that also was a part of the DMV investigation and was aware of what they were doing to me and what they did to her, she's also a witness and as is the investigator and person I spoke to about my complaint to them.
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12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Here are a list of all items in which are in violation of my federally protected consumer rights.
1. Address/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, Note this is a non-mailable
address.
2. Address/ XXXX XXXX XXXX XXXX XXXX XXXX, Nc XXXX Note This is a non-mailable
address.
3. Address/ XXXX XXXX XXXX XXXX, Pa Note This is a non-mailable address
Here are the list of all Accounts in which are in violation of my federally protected consumer
rights.
1. XXXX XXXX XXXX XXXX XXXX XXXX NOTE DATE ARE
INCORRECT FOR ALL 3 CREDIT BUREAUS AND THERE ARE THREE DIFFENT ACCOUNT
NUMBERS AND A VIALOTION OF THE EDUCATIONAL PRIVACY ACT OF 1974- 15 USC 6802 B1. THESE ACCOUNTS ARE TO BE REMOVED
2. XXXX XXXX XXXX NOTE SHOULD BE LISTED AS
PAID AS AGREED THERE WAS NEVER ANY LATE PAY AND THIS IS A VIOLATION
OF 15 USC 6802 B-1 IT IS ALSO UNLAWFUL TO REPORT TRANSACTION HISTORY
3. INQUIRIES ALL HARD AND SOFT INQUIRIES SHOULD BE REMOVE ASAP. THESE INQUIRIES
ARE IN VIOLATION OF 15 USC 1681- 15 USC6803 B - 16 CFR PART 313.1-7
12/12/2020
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer Financial Protection Bureau
PO Box 27170. Washington, DC 20038
Violations of XXXX XXXX XXXX Federal Protected consumer Rights
The violator of XXXX XXXX Page Federal Protected Consumer Right is XXXX Equifax
and XXXX. Here are the rights and codes in which where violated listed below.
15 U.S. Code 6803 -
Disclosure of institution
privacy policy
(a)DISCLOSURE REQUIREDAt the time of establishing a customer relationship with
a consumer and not less than annually during the continuation of such relationship,
a financial institution shall provide a clear and conspicuous disclosure to such consumer, in
writing or in electronic form or other form permitted by the regulations prescribed
under section 6804 of this title, of such financial institutions policies and practices with
respect to
(1)
disclosing nonpublic personal information to affiliates and nonaffiliated third parties,
consistent with section 6802 of this title, including the categories of information that may
be disclosed;
(2)
disclosing nonpublic personal information of persons who have ceased to be customers of
the financial institution; and
(3)
protecting the nonpublic personal information of consumers.
(b)REGULATIONS
Disclosures required by subsection (a) shall be made in accordance with the regulations
prescribed under section 6804 of this title.
(c)INFORMATION TO BE INCLUDEDThe disclosure required by subsection (a) shall include
(1)the policies and practices of the institution with respect to disclosing nonpublic
personal information to nonaffiliated third parties, other than agents of the institution,
consistent with section 6802 of this title, and including
[Type the company name]
2
(A)
the categories of persons to whom the information is or may be disclosed, other than the
persons to whom the information may be provided pursuant to section 6802(e) of this
title; and
(B)
the policies and practices of the institution with respect to disclosing of nonpublic personal
information of persons who have ceased to be customers of the financial institution;
(2)
the categories of nonpublic personal information that are collected by the financial
institution;
(3)
the policies that the institution maintains to protect the confidentiality and security
of nonpublic personal information in accordance with section 6801 of this title; and
(4)
the disclosures required, if any, under section 1681a(d)(2)(A)(iii) of this title.
(d)EXEMPTION FOR CERTIFIED PUBLIC ACCOUNTANTS
(1)IN GENERALThe disclosure requirements of subsection (a) do not apply to any person,
to the extent that the person is
(A)
a certified public accountant;
(B)
certified or licensed for such purpose by a State; and
(C)
subject to any provision of law, rule, or regulation issued by a legislative or regulatory
body of the State, including rules of professional conduct or ethics, that prohibits
disclosure of nonpublic personal information without the knowing and expressed consent
of the consumer.
(2)LIMITATION
Nothing in this subsection shall be construed to exempt or otherwise exclude any financial
institution that is affiliated or becomes affiliated with a certified public accountant
described in paragraph (1) from any provision of this section.
15 U.S. Code 1681b - Permissible purposes of consumer reports
(a)IN GENERALSubject to subsection (c), any consumer reporting agency may furnish
a consumer report under the following circumstances and no other:
(1)
In response to the order of a court having jurisdiction to issue such an order, a subpoena
issued in connection with proceedings before a Federal grand jury, or a subpoena issued in
accordance with section 5318 of title 31 or section 3486 of title 18.
(2)
In accordance with the written instructions of the consumer to whom it relates.
(3)To a person which it has reason to believe
(A)
intends to use the information in connection with a credit transaction involving
the consumer on whom the information is to be furnished and involving the extension
of credit to, or review or collection of an account of, the consumer; or
(B)
intends to use the information for employment purposes; or
3
(C)
intends to use the information in connection with the underwriting of insurance involving
the consumer; or
(D)
intends to use the information in connection with a determination of the consumers
eligibility for a license or other benefit granted by a governmental instrumentality required
by law to consider an applicants financial responsibility or status; or
(E)
intends to use the information, as a potential investor or servicer, or current insurer, in
connection with a valuation of, or an assessment of the credit or prepayment risks
associated with, an existing credit obligation; or
(F)otherwise has a legitimate business need for the information
(i)
in connection with a business transaction that is initiated by the consumer; or
(ii)
to review an account to determine whether the consumer continues to meet the terms of
the account.
(G)
executive departments and agencies in connection with the issuance of governmentsponsored individually-billed travel charge cards.
(4)In response to a request by the head of a State or local child support enforcement
agency (or a State or local government official authorized by the head of such an agency),
if the person making the request certifies to the consumer reporting agency that
(A)
the consumer report is needed for the purpose of establishing an individuals capacity to
make child support payments, determining the appropriate level of such payments, or
enforcing a child support order, award, agreement, or judgment;
(B)
the parentage of the consumer for the child to which the obligation relates has been
established or acknowledged by the consumer in accordance with State laws under which
the obligation arises (if required by those laws); and
(C)
the consumer report will be kept confidential, will be used solely for a purpose described in
subparagraph (A), and will not be used in connection with any other civil, administrative,
or criminal proceeding, or for any other purpose.
(5)
To an agency administering a State plan under section 654 of title 42 for use to set an
initial or modified child support award.
(6)
To the Federal Deposit Insurance Corporation or the National Credit Union
Administration as part of its preparation for its appointment or as part of its exercise of
powers, as conservator, receiver, or liquidating agent for an insured depository institution
or insured credit union under the Federal Deposit Insurance Act [12 U.S.C. 1811 et seq.]
or the Federal Credit Union Act [12 U.S.C. 1751 et seq.], or other applicable Federal
or State law, or in connection with the resolution or liquidation of a failed or failing insured
depository institution or insured credit union, as applicable.
(b)CONDITIONS FOR FURNISHING AND USING CONSUMER REPORTS FOR EMPLOYMENT PURPOSES
(1)CERTIFICATION FROM USERA consumer reporting agency may furnish a consumer
report for employment purposes only if
[Type the company name]
4
(A)the person who obtains such report from the agency certifies to the agency that
(i)
the person has complied with paragraph (2) with respect to the consumer report, and
the person will comply with paragraph (3) with respect to the consumer report if
paragraph (3) becomes applicable; and
(ii)
information from the consumer report will not be used in violation of any applicable
Federal or State equal employment opportunity law or regulation; and
(B)
the consumer reporting agency provides with the report, or has previously provided, a
summary of the consumers rights under this subchapter, as prescribed by
the Bureau under section 1681g(c)(3) [1] of this title.
(2)DISCLOSURE TO CONSUMER
(A)In generalExcept as provided in subparagraph (B), a person may not procure
a consumer report, or cause a consumer report to be procured, for employment
purposes with respect to any consumer, unless
(i)
a clear and conspicuous disclosure has been made in writing to the consumer at any time
before the report is procured or caused to be procured, in a document that consists solely
of the disclosure, that a consumer report may be obtained for employment purposes; and
(ii)
the consumer has authorized in writing (which authorization may be made on the
document referred to in clause (i)) the procurement of the report by that person.
(B)Application by mail, telephone, computer, or other similar meansIf
a consumer described in subparagraph (C) applies for employment by mail, telephone,
computer, or other similar means, at any time before a consumer report is procured or
caused to be procured in connection with that application
(i)
the person who procures the consumer report on the consumer for employment
purposes shall provide to the consumer, by oral, written, or electronic means, notice that
a consumer report may be obtained for employment purposes, and a summary of
the consumers rights under section 1681m(a)(3) 1 of this title; and
(ii)
the consumer shall have consented, orally, in writing, or electronically to the procurement
of the report by that person.
(C)ScopeSubparagraph (B) shall apply to a person procuring a consumer report on
a consumer in connection with the consumers application for employment only if
(i)
the consumer is applying for a position over which the Secretary of Transportation has the
power to establish qualifications and maximum hours of service pursuant to the provisions
of section 31502 of title 49, or a position subject to safety regulation by
a State transportation agency; and
(ii)
as of the time at which the person procures the report or causes the report to be procured
the only interaction between the consumer and the person in connection with that
employment application has been by mail, telephone, computer, or other similar means.
(3)CONDITIONS ON USE FOR ADVERSE ACTIONS
(A)In generalExcept as provided in subparagraph (B), in using a consumer
report for employment purposes, before taking any adverse action based in whole or in
5
part on the report, the person intending to take such adverse action shall provide to
the consumer to whom the report relates
(i)
a copy of the report; and
(ii)
a description in writing of the rights of the consumer under this subchapter, as prescribed
by the Bureau under section 1681g(c)(3) 1 of this title.
(B)Application by mail, telephone, computer, or other similar means
(i)If a consumer described in subparagraph (C) applies for employment by mail,
telephone, computer, or other similar means, and if a person who has procured
a consumer report on the consumer for employment purposes takes adverse action on the
employment application based in whole or in part on the report, then the person must
provide to the consumer to whom the report relates, in lieu of the notices required under
subparagraph (A) of this section and under section 1681m(a) of this title, within 3
business days of taking such action, an oral, written or electronic notification
(I)
that adverse action has been taken based in whole or in part on a consumer
report received from a consumer reporting agency;
(II)
of the name, address and telephone number of the consumer reporting agency that
furnished the consumer report (including a toll-free telephone number established by the
agency if the agency compiles and maintains files on consumers on a nationwide basis);
(III)
that the consumer reporting agency did not make the decision to take the adverse
action and is unable to provide to the consumer the specific reasons why the adverse
action was taken; and
(IV)
that the consumer may, upon providing proper identification, request a free copy of a
report and may dispute with the consumer reporting agency the accuracy or completeness
of any information in a report.
(ii)
If, under clause (B)(i)(IV), the consumer requests a copy of a consumer report from
the person who procured the report, then, within 3 business days of receiving
the consumers request, together with proper identification, the person must send or
provide to the consumer a copy of a report and a copy of the consumers rights as
prescribed by the Bureau under section 1681g(c)(3) 1 of this title.
(C)ScopeSubparagraph (B) shall apply to a person procuring a consumer report on
a consumer in connection with the consumers application for employment only if
(i)
the consumer is applying for a position over which the Secretary of Transportation has the
power to establish qualifications and maximum hours of service pursuant to the provisions
of section 31502 of title 49, or a position subject to safety regulation by
a State transportation agency; and
(ii)
as of the time at which the person procures the report or causes the report to be procured
the only interaction between the consumer and the person in connection with that
employment application has been by mail, telephone, computer, or other similar means.
(4)EXCEPTION FOR NATIONAL SECURITY INVESTIGATIONS
(A)In generalIn the case of an agency or department of the United States Government
which seeks to obtain and use a consumer report for employment purposes, paragraph (3)
[Type the company name]
6
shall not apply to any adverse action by such agency or department which is based in part
on such consumer report, if the head of such agency or department makes a written
finding that
(i)
the consumer report is relevant to a national security investigation of such agency or
department;
(ii)
the investigation is within the jurisdiction of such agency or department;
(iii)there is reason to believe that compliance with paragraph (3) will
(I)
endanger the life or physical safety of any person;
(II)
result in flight from prosecution;
(III)
result in the destruction of, or tampering with, evidence relevant to the investigation;
(IV)
result in the intimidation of a potential witness relevant to the investigation;
(V)
result in the compromise of classified information; or
(VI)
otherwise seriously jeopardize or unduly delay the investigation or another official
proceeding.
(B)Notification of consumer upon conclusion of investigationUpon the conclusion of
a national security investigation described in subparagraph (A), or upon the determination
that the exception under subparagraph (A) is no longer required for the reasons set forth
in such subparagraph, the official exercising the authority in such subparagraph shall
provide to the consumer who is the subject of the consumer report with regard to which
such finding was made
(i)
a copy of such consumer report with any classified information redacted as necessary;
(ii)
notice of any adverse action which is based, in part, on the consumer report; and
(iii)
the identification with reasonable specificity of the nature of the investigation for which
the consumer report was sought.
(C)Delegation by head of agency or department
For purposes of subparagraphs (A) and (B), the head of any agency or department of the
United States Government may delegate his or her authorities under this paragraph to an
official of such agency or department who has personnel security responsibilities and is a
member of the Senior Executive Service or equivalent civilian or military rank.
(D)DefinitionsFor purposes of this paragraph, the following definitions shall apply:
(i)Classified information
The term classified information means information that is protected from unauthorized
disclosure under Executive Order No. 12958 or successor orders.
(ii)National security investigation
The term national security investigation means any official inquiry by an agency or
department of the United States Government to determine the eligibility of a consumer to
7
receive access or continued access to classified information or to determine
whether classified information has been lost or compromised.
(c)FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE
NOT INITIATED BY CONSUMER
(1)IN GENERALA consumer reporting agency may furnish a consumer report relating to
any consumer pursuant to subparagraph (A) or (C) of subsection (a)(3) in connection with
any credit or insurance transaction that is not initiated by the consumer only if
(A)
the consumer authorizes the agency to provide such report to such person; or
(B)
(i)
the transaction consists of a firm offer of credit or insurance;
(ii)
the consumer reporting agency has complied with subsection (e);
(iii)
there is not in effect an election by the consumer, made in accordance with subsection (e),
to have the consumers name and address excluded from lists of names provided by the
agency pursuant to this paragraph; and
(iv)
the consumer report does not contain a date of birth that shows that the consumer has
not attained the age of 21, or, if the date of birth on the consumer report shows that
the consumer has not attained the age of 21, such consumer consents to the consumer
reporting agency to such furnishing.
(2)LIMITS ON INFORMATION RECEIVED UNDER PARAGRAPH (1)(B)A person may receive
pursuant to paragraph (1)(B) only
(A)
the name and address of a consumer;
(B)
an identifier that is not unique to the consumer and that is used by the person solely for
the purpose of verifying the identity of the consumer; and
(C)
other information pertaining to a consumer that does not identify the relationship or
experience of the consumer with respect to a particular creditor or other entity.
(3)INFORMATION REGARDING INQUIRIES
Except as provided in section 1681g(a)(5) of this title, a consumer reporting agency shall
not furnish to any person a record of inquiries in connection with a credit or insurance
transaction that is not initiated by a consumer.
(d)RESERVED
(e)ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS
(1)IN GENERAL
A consumer may elect to have the consumers name and address excluded from any list
provided by a consumer reporting agency under subsection (c)(1)(B) in connection with
a credit or insurance transaction that is not initiated by the consumer, by notifying the
agency in accordance with paragraph (2) that the consumer does not consent to any use
of a consumer report relating to the consumer in connection with any credit or insurance
transaction that is not initiated by the consumer.
(2)MANNER OF NOTIFICATIONA consumer shall notify a consumer reporting agency under
paragraph (1)
[Type the company name]
8
(A)
through the notification system maintained by the agency under paragraph (5); or
(B)
by submitting to the agency a signed notice of election form issued by the agency for
purposes of this subparagraph.
(3)RESPONSE OF AGENCY AFTER NOTIFICATION THROUGH SYSTEMUpon receipt of notification of
the election of a consumer under paragraph (1) through the notification system
maintained by the agency under paragraph (5), a consumer reporting agency shall
(A)
inform the consumer that the election is effective only for the 5-year period following the
election if the consumer does not submit to the agency a signed notice of election form
issued by the agency for purposes of paragraph (2)(B); and
(B)
provide to the consumer a notice of election form, if requested by the consumer, not later
than 5 business days after receipt of the notification of the election through the system
established under paragraph (5), in the case of a request made at the time
the consumer provides notification through the system.
(4)EFFECTIVENESS OF ELECTIONAn election of a consumer under paragraph (1)
(A)
shall be effective with respect to a consumer reporting agency beginning 5 business days
after the date on which the consumer notifies the agency in accordance with paragraph
(2);
(B)shall be effective with respect to a consumer reporting agency
(i)
subject to subparagraph (C), during the 5-year period beginning 5 business days after the
date on which the consumer notifies the agency of the election, in the case of an election
for which a consumer notifies the agency only in accordance with paragraph (2)(A); or
(ii)
until the consumer notifies the agency under subparagraph (C), in the case of an election
for which a consumer notifies the agency in accordance with paragraph (2)(B);
(C)
shall not be effective after the date on which the consumer notifies the agency, through
the notification system established by the agency under paragraph (5), that the election is
no longer effective; and
(D)
shall be effective with respect to each affiliate of the agency.
(5)NOTIFICATION SYSTEM
(A)In generalEach consumer reporting agency that, under subsection (c)(1)(B),
furnishes a consumer report in connection with a credit or insurance transaction that is not
initiated by a consumer, shall
(i)
establish and maintain a notification system, including a toll-free telephone number, which
permits any consumer whose consumer report is maintained by the agency to notify the
agency, with appropriate identification, of the consumers election to have the consumers
name and address excluded from any such list of names and addresses provided by the
agency for such a transaction; and
(ii)publish by not later than 365 days after September 30, 1996, and not less than
annually thereafter, in a publication of general circulation in the area served by the
agency
9
(I)
a notification that information in consumer files maintained by the agency may be used in
connection with such transactions; and
(II)
the address and toll-free telephone number for consumers to use to notify the agency of
the consumers election under clause (i).
(B)Establishment and maintenance as compliance
Establishment and maintenance of a notification system (including a toll-free telephone
number) and publication by a consumer reporting agency on the agencys own behalf and
on behalf of any of its affiliates in accordance with this paragraph is deemed to be
compliance with this paragraph by each of those affiliates.
(6)NOTIFICATION SYSTEM BY AGENCIES THAT OPERATE NATIONWIDE
Each consumer reporting agency that compiles and maintains files on consumers on a
nationwide basis shall establish and maintain a notification system for purposes of
paragraph (5) jointly with other such consumer reporting agencies.
(f)CERTAIN USE OR OBTAINING OF INFORMATION PROHIBITEDA person shall not use or obtain
a consumer report for any purpose unless
(1)
the consumer report is obtained for a purpose for which the consumer report is authorized
to be furnished under this section; and
(2)
the purpose is certified in accordance with section 1681e of this title by a prospective user
of the report through a general or specific certification.
(g)PROTECTION OF MEDICAL INFORMATION
(1)LIMITATION ON CONSUMER REPORTING AGENCIESA consumer reporting agency shall not
furnish for employment purposes, or in connection with a credit or insurance transaction,
a consumer report that contains medical information (other than medical contact
information treated in the manner required under section 1681c(a)(6) of this title) about
a consumer, unless
(A)
if furnished in connection with an insurance transaction, the consumer affirmatively
consents to the furnishing of the report;
(B)if furnished for employment purposes or in connection with a credit transaction
(i)
the information to be furnished is relevant to process or effect the employment
or credit transaction; and
(ii)
the consumer provides specific written consent for the furnishing of the report that
describes in clear and conspicuous language the use for which the information will be
furnished; or
(C)
the information to be furnished pertains solely to transactions, accounts, or balances
relating to debts arising from the receipt of medical services, products, or devises, where
such information, other than account status or amounts, is restricted or reported using
codes that do not identify, or do not provide information sufficient to infer, the specific
provider or the nature of such services, products, or devices, as provided in section
1681c(a)(6) of this title.
(2)LIMITATION ON CREDITORS
[Type the company name]
10
Except as permitted pursuant to paragraph (3)(C) or regulations prescribed under
paragraph (5)(A), a creditor shall not obtain or use medical information (other than
medical information treated in the manner required under section 1681c(a)(6) of this title)
pertaining to a consumer in connection with any determination of the consumers
eligibility, or continued eligibility, for credit.
(3)ACTIONS AUTHORIZED BY FEDERAL LAW, INSURANCE ACTIVITIES AND REGULATORY
DETERMINATIONSSection 1681a(d)(3) of this title shall not be construed so as to treat
information or any communication of information as a consumer report if the information
or communication is disclosed
(A)
in connection with the business of insurance or annuities, including the activities described
in section 18B of the model Privacy of Consumer Financial and Health Information
Regulation issued by the National Association of Insurance Commissioners (as in effect
on January 1, 2003);
(B)
for any purpose permitted without authorization under the Standards for Individually
Identifiable Health Information promulgated by the Department of Health and Human
Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or
referred to under section 1179 of such Act,1 or described in section 6802(e) of this title; or
(C)
as otherwise determined to be necessary and appropriate, by regulation or order, by
the Bureau or the applicable State insurance authority (with respect to
any person engaged in providing insurance or annuities).
(4)LIMITATION ON REDISCLOSURE OF MEDICAL INFORMATION
Any person that receives medical information pursuant to paragraph (1) or (3) shall not
disclose such information to any other person, except as necessary to carry out the
purpose for which the information was initially disclosed, or as otherwise permitted by
statute, regulation, or order.
(5)REGULATIONS AND EFFECTIVE DATE FOR PARAGRAPH (2)
(A) [2] Regulations required
The Bureau may, after notice and opportunity for comment, prescribe regulations that
permit transactions under paragraph (2) that are determined to be necessary and
appropriate to protect legitimate operational, transactional, risk, consumer, and other
needs (and which shall include permitting actions necessary for administrative verification
purposes), consistent with the intent of paragraph (2) to restrict the use of medical
information for inappropriate purposes.
(6)COORDINATION WITH OTHER LAWS
No provision of this subsection shall be construed as altering, affecting, or superseding the
applicability of any other provision of Federal law relating to medical confidentiality.
(Pub. L. 90321, title VI, 604, as added Pub. L. 91508, title VI, 601, Oct. 26,
1970, 84 Stat. 1129; amended Pub. L. 10173, title IX, 964(c), Aug. 9, 1989, 103 Stat.
506; Pub. L. 104193, title III, 352, Aug. 22, 1996, 110 Stat. 2240; Pub. L. 104208,
div. A, title II, 2403, 2404(a), (b), 2405, Sept. 30, 1996, 110 Stat. 3009430, 3009
431, 3009433, 3009434; Pub. L. 105107, title III, 311(a), Nov. 20, 1997, 111 Stat.
2255; Pub. L. 105347, 2, 3, 6(4), Nov. 2, 1998, 112 Stat. 3208, 3210, 3211; Pub. L.
107306, title VIII, 811(b)(8)(A), Nov. 27, 2002, 116 Stat. 2426; Pub. L. 108159, title
II, 213(c), title IV, 411(a), 412(f), title VIII, 811(b), Dec. 4, 2003, 117 Stat. 1979,
1999, 2003, 2011; Pub. L. 108177, title III, 361(j), Dec. 13, 2003, 117 Stat.
2625; Pub. L. 109351, title VII, 719, Oct. 13, 2006, 120 Stat. 1998; Pub. L. 110161,
11
div. D, title VII, 743, Dec. 26, 2007, 121 Stat. 2033; Pub. L. 11124, title III, 302, May
22, 2009, 123 Stat. 1748; Pub. L. 111203, title X, 1088(a)(2)(A), (4), July 21,
2010, 124 Stat. 2087; Pub. L. 11494, div. G, title LXXX, 80001, Dec. 4, 2015, 129 Stat.
1792; Pub. L. 116283, div. F, title LXIII, 6308(b), Jan. 1, 2021, 134 Stat. 4594.)
17 CFR 248.7 - Form of opt out notice to consumers; opt out methods.
248.7 Form of opt out notice to consumers; opt out methods.
(a)
(1) Form of opt out notice. If you are required to provide an opt out notice under 248.10(a),
you must provide a clear and conspicuous notice to each of your consumers that accurately
explains the right to opt out under that section. The notice must state:
(i) That you disclose or reserve the right to disclose nonpublic personal information about
your consumer to a nonaffiliated third party;
(ii) That the consumer has the right to opt out of that disclosure; and
(iii) A reasonable means by which the consumer may exercise the opt out right.
(2) Examples -
(i) Adequate opt out notice. You provide adequate notice that the consumer can opt out of
the disclosure of nonpublic personal information to a nonaffiliated third party if you:
(A) Identify all of the categories of nonpublic personal information that you disclose or
reserve the right to disclose, and all of the categories of nonaffiliated third parties to
which you disclose the information, as described in 248.6(a)(2) and (3) and state that the
consumer can opt out of the disclosure of that information; and
(B) Identify the financial products or services that the consumer obtains from you, either
singly or jointly, to which the opt out direction would apply.
(ii) Reasonable opt out means. You provide a reasonable means to exercise an opt out right
if you:
(A) Designate check-off boxes in a prominent position on the relevant forms with the opt
out notice;
(B) Include a reply form together with the opt out notice;
(C) Provide an electronic means to opt out, such as a form that can be sent via electronic
mail or a process at your web site, if the consumer agrees to the electronic delivery of
information; or
(D) Provide a toll-free telephone number that consumers may call to opt out.
(iii) Unreasonable opt out means. You do not provide a reasonable means of opting out if:
[Type the company name]
12
(A
|
02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, in the amount of {$1800.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, in the amount of {$710.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXXXXXX, and XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX and XXXX XXXX, in the amount of {$920.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$820.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX and XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX and # XXXX, in the amount of {$1800.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, in the amount of {$2600.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$700.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX, and XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and XXXX XXXX, in the amount of {$310.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX, and XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$6200.00} and {$160.00} and has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
XXXX XXXX XXXX Re : Validation for Acct XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX in the amount of {$460.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, in the amount of {$820.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX in the amount of {$1100.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX in the amount of {$16000.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$4100.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, in the amount of {$910.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX in the amount of {$160.00} and {$6200.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Account XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, in the amount of {$1000.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I am requesting that the accounts that are reporting incorrectly as open, but reflect a past due balance be removed, According to FCRA, I have the right to an accurate credit report. Please provide me a copy of my new credit report reflecting the accounts deletion.
Furthermore, any attempt to collect an alleged debtless than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed debts in its entirety. I request verification/Validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided with a billing statement, notice, or any unsigned documents is not verification of the alleged debt. You are on Notice that you are unlawfully attempting to collect the above listed alleged debt. Cease and desist all collection activity including reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. If you comply with my cease collection and deletion request, then you are excused from verification.
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of the chain of title of the alleged original creditor to the current alleged owner without any break in chain.
This letter is evidence that may be provided to the Consumer Finacial Protection Bureau ( CFPB ). The CFPB is autho
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05/30/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Equifaxs
XXXX XXXX XXXX XXXX, Georgia XXXX
Second Investigation Request Letter
To Whom It May Concern at Equifax,
on XXXX complaint numbers Equifax # XXXXXXXX. In accordance with the Fair Credit Reporting Act
15 U.S. Code 1681- Congressional findings and statement of purpose (2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
U.S. Code 1681b - Permissible purposes of consumer reports- Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :- (2) In accordance with the written instructions of the consumer to whom it relates. Lenders, or any other businesses, or credit bureaus, cannot access my credit report. I must consent in writing to having my credit report pulled by anyone seeking specific information about my life in any way. I have not now, nor in the past given my written, or verbal permission to any creditors, credit bureaus, or any other businesses making inquires about my personal information. A consumer report is in violation if any written, oral, or other communication of any information about the consumer is published by a consumer reporting agency that bears on a consumer's creditworthiness, credit. standing, credit capacity, character, general reputation, personal characteristics, or mode of living, as well as former employment positions, former residential information is given out by that bureau without the consumers written permission.
I have been injured by negative as well as inaccurate information that is currently still on my credit report. This overall negative as well as inaccurate information is currently being released without my permission to any entity that submits a general inquiry into my personal information through the credit bureaus. This is against the law according to the Fair Reporting Act.
15 U.S. Code 1681 - Congressional findings and statement of purpose (a)ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings:(b) REASONABLE PROCEDURES : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Due to this inaccurate information being released I have been denied credit multiply times. I have been subjected to higher fees, as well as other negative ratings that hinder me from a financially fulfilling lifestyle that I have diligently worked to have for myself, as well as for the lives of my family. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the, the right to privacy from the three credit bureaus, as well as any credit reporting entities. There are things that by law are excluded from.
consumer reports for the protection of the consumer.
(5) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Information excluded from consumer reports further includes arrest records more than 7 years old. Items of adverse information, Negative credit data, civil judgments, paid tax liens, and/or collections accounts older than 7 years. Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations.
I have not now nor previously given in writing or oral permission to release or publish any of my information to creditors, credit bureaus, or other businesses that make inquiries about my personal information /credit. These codes mean that I have the right to privacy. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the three credit bureaus, as well as any credit reporting entities, or any businesses that make inquiries about my personal information / credit. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(2)
In accordance with the written instructions of the consumer to whom it relates.
These codes mean that I have the right to privacy. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the three credit bureaus, as well as any credit reporting entities. There are things that by law are excluded from consumer reports.
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(2) In accordance with the written instructions of the consumer to whom it relates.
Lenders cannot just access my credit report without my consent. The Fair Credit Reporting Act states that only businesses with a legitimate reason to check my credit report can do so, I must consent in writing to having my credit report pulled by anyone seeking specific information about my life in any way.
15 U.S. Code 1681 - Congressional findings and statement of purpose (2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I read the Fair Credit Reporting Act where it said by law, I had the right to challenge anything that is not accurate on my reports. Some of the people reporting things on me, I have never heard of.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies(a)Duty of furnishers of information to provide accurate information(1)Prohibition(A)Reporting information with actual knowledge of errors . A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
The credit bureaus stated all my accounts on my credit reports were properly investigated. That cannot be possible if open dates, account numbers, amounts of accounts, last date active, as well as other information on reports that are incorrect, and inaccurate still on my credit report. These are the grounds that I am seeking to have all inaccurate, all information that I have not given written permission to be published or released in my credit report.
How credit bureaus violated my rights:
1.Violated my right to privacy.
2.Inaccurate information in reports.
3.Published personal information on reports without my written permission.
4.Credit bureaus took more than thirty days to complete their investigation.
15 U.S. Code 1681n - Civil liability for willful noncompliance
(a)IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
(A)
any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; and the removal of account on report.
I want one hundred dollars to, one thousand dollars per violation, and the removal of any inaccurate information, any information that I have not given in writing to be published on any credit report (i.e., addresses, employment history, names, phone numbers, date of birth,)
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies(a)DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION(1)PROHIBITION(A)Reporting information with actual knowledge of errors person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..(B)Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if(i)the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and(b) the information is, in fact, inaccurate.
15 U.S.C. 1681 section 604 A section 2 to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.For purposes of subparagraph (A), the term reasonable cause to believe that the information is inaccurate means specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 U.S.C. Sec. 1681i(a), I have been made aware that you cannot provide.
proof that an account is one- hundred percent accurate the accounts must be deleted from my credit report. I want one hundred dollars to, one thousand dollars, and the accounts deleted if they are not one hundred percent correct on my credit report. I have been informed that the credit bureaus have only thirty days to complete, as well as correct my credit reports. I will enclose my certified mail tracking number to insure receipt of this document.
Thank you,
XXXX XXXX XXXX Personal Information:
Name: XXXX XXXX
SSN: XXXX
D.O.B. XXXX Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX
Telephone: XXXX
Email: XXXX
*The Following accounts are in violations on multiply basis on my consumer reports. I request resolution in the form of : XXXX XXXX dollars, to XXXX XXXX dollars, for every violation that has been published on my report violating my privacy, published without my written permission, Is not one hundred percent verified as well as one hundred percent accurate, and completely removed from my credit reports permanently. I am requesting that this investigation be conducted within thirty days. *
Accounts:
Account Name: XXXX XXXX
Account Number: XXXX High Balance: $0 - (incorrect)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: XXXX Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX - (Balance is Incorrect)
Closed Date: None Listed- (Not verified)
Account Rating: Open (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Not verified.
Creditor Type: All Banks
Account Status: Open
Payment Status: Current (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: $ XXXX (Incorrect Not Verified)
Last Payment: XXXX XXXX XXXX (Incorrect Not Verified)
Term Length: $XXXX (Incorrect Not Verified)
Past Due Amount: Incorrect Not verified.
Account Type: Credit Card Payment Frequency: Incorrect Not Verified
Credit Limit: $ XXXX Two Year History: Incorrect Not Verified
Account Name: XXXX XXXX
Account Number: XXXX
High Balance: XXXXXXXX - (incorrect)
Last Verified: - (Incorrect, not verified correctly)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX - (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Derogatory (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: All Banks
Account Status: Closed
Payment Status: Collection/ Charge off (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: $ XXXX (Incorrect Not Verified)
Last Payment: XXXX XXXXncorrect Not Verified)
Term Length: Not Verified
Past Due Amount: Incorrect Not verified.
Account Type: Credit Card
Payment Frequency: Incorrect Not Verified
Credit Limit: XXXXXXXX Two Year History: Incorrect Not Verified
Account Name: XXXX XXXX
Account Number: XXXX
High Balance: XXXXXXXX (incorrect Not Verified)
Last Verified: (Incorrect, not verified correctly)
Date Reported: XXXX XXXX (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXXXXXX - (Balance is Incorrect)
Closed Date: XXXX (Incorrect Not verified)
Account Rating: Derogatory (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status (Incorrect Not Verified)
Creditor Type: XXXX XXXX XXXX XXXX (Incorrect Not Verified)
Account Status: Closed
Payment Status: Collection/ Charge off (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: $ XXXX (Incorrect Not Verified)
Last Payment: XXXX (Incorrect Not Verified)
Term Length: Not Verified
Past Due Amount: XXXXXXXX (Incorrect Not verified)
Account Type: - (Incorrect Not Verified)
Payment Frequency: Incorrect Not Verified
Credit Limit: XXXXXXXX (Incorrect Not Verified)
Two Year History: Incorrect Not Verified
Account Name: XXXX Account Number: XXXX
High Balance: - XXXXXXXX (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: XXXX (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX - (Balance is Incorrect)
Closed Date: (Not verified)
Account Rating: Paid (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: All Banks
Account Status: Closed (Incorrect Not Verified)
Payment Status: Current (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: XXXX XXXX (Incorrect Not Verified)
Last Payment: XXXX (Incorrect Not Verified)
Term Length: 24 months Not Verified
Past Due Amount: XXXX XXXX (Incorrect Not verified)
Account Type: Secured Loan
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two Year History: (Incorrect Not Verified)
Account Name: XXXX Account Number: XXXX High Balance: - XXXXXXXX (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: XXXX (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX - (Balance is Incorrect)
Closed Date: - (Not verified incorrect)
Account Rating: Paid (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Personal Loan (Incorrect Not Verified)
Account Status: Closed (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks closed due to refinance:( Incorrect Not Verified)
Payment Amount: XXXX XXXX (Incorrect Not Verified)
Last Payment: XXXX (Incorrect Not Verified)
Term Length: 16 months Not Verified
Past Due Amount: XXXX XXXX (Incorrect Not verified)
Account Type: Unsecured Loan
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two Year History: Incorrect Not Verified
Days Late 7-year History: Incorrect Not Verified
Account Name: XXXX
Account Number: XXXX High Balance: - XXXXXXXX - (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: XXXX (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXXXXXX - (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Open (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Personal loan Company (Incorrect Not Verified)
Account Status: Open (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks unsecured - (Incorrect Not Verified)
Payment Amount: XXXX XXXX (Incorrect Not Verified)
Last Payment: XXXX (Incorrect Not Verified)
Term Length: Not Verified
Past Due Amount: (Incorrect Not verified)
Account Type: Unsecured Loan
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Account Name: DEPTEDXXXX Account Number: XXXX
High Balance: - XXXXXXXX - (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity: XXXX (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date: - - (Not verified)
Account Rating: Paid (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Miscellaneous Finance (Incorrect Not Verified)
Account Status: Open - (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks - (Incorrect Not Verified)
Payment Amount: XXXX XXXX (Incorrect Not Verified)
Last Payment:XXXX (Incorrect Not Verified)
Term Length: 120 months Not Verified
Past Due Amount: XXXX XXXX (Incorrect Not verified)
Account Type: Educational Loan
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: DEPT OF ED/ XXXX Account Number:XXXX (Incorrect Not Verified)
High Balance:XXXX (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity: (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX - (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: paid (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: account not disputed (Incorrect Not Verified)
Creditor Type Miscellaneous Finance: (Incorrect Not Verified)
Account Status: Open - (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks: - (Incorrect Not Verified)
Payment Amount: (Incorrect Not Verified)
Last Payment: (Incorrect Not Verified)
Term Length: months Not Verified
Past Due Amount: (Incorrect Not verified)
Account Type:
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: DEPT OF ED/ XXXX
Account Number: XXXX (Incorrect Not Verified)
High Balance:XXXX (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity: (Incorrect Not Verified)
Date Reported:XXXX - (Incorrect Date)
Date Opened:XXXX (Incorrect Open Date)
Balance Owed: XXXXXXXX - (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Paid (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: Miscellaneous Finance (Incorrect Not Verified)
Account Status: Open - (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks: - (Incorrect Not Verified)
Payment Amount: XXXXXXXX (Incorrect Not Verified)
Last Payment: (Incorrect Not Verified)
Term Length: months Not Verified
Past Due Amount: (Incorrect Not verified)
Account Type:
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXX XXXX XXXX Account Number: XXXX - (Incorrect Not Verified)
High Balance: $XXXX - (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity:XXXX - (Incorrect NotVerified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXXXXXX - (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Open (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: All Banks (Incorrect Not Verified)
Account Status: Open- (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks: Unsecured - (Incorrect Not Verified)
Payment Amount: XXXX (Incorrect Not Verified)
Last Payment:XXXX
Term Length: Unsecured Loan (Not Verified Incorrect )
Past Due Amount: $0 (Incorrect Not verified)
Account Type: Unsecured Loan
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified consumer reports for the protection of the consumer.
Account Name: XXXX XXXX XXXX
Account Number: XXXX - (Incorrect Not Verified)
High Balance: XXXXXXXX - (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity:XXXX - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXXXXXX - (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Open (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: All Banks (Incorrect Not Verified)
Account Status: Open- (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks: Unsecured - (Incorrect Not Verified)
Payment Amount: XXXXXXXX (Incorrect Not Verified)
Last Payment:XXXX
Term Length: Unsecured Loan (Incorrect Not Verified)
Past Due Amount: XXXXXXXX (Incorrect Not verified)
Account Type: Unsecured Loan
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXX XXXX Account Number: XXXX
High Balance: XXXXXXXX - (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity:XXXX - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Derogatory (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: Personal Loan (Incorrect Not Verified)
Account Status: Closed - (Incorrect Not Verified)
Payment Status: account not disputed - (Incorrect Not Verified)
Creditor Remarks: - (Incorrect Not Verified)
Payment Amount: (Incorrect Not Verified)
Last Payment:XXXX
Term Length: Not Verified
Past Due Amount: - (Incorrect Not verified)
Account Type: - (Incorrect Not Verified )
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXX Account Number: XXXX High Balance: XXXXXXXX - (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity:XXXX - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Paid (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: Miscellaneous Finance (Incorrect Not Verified)
Account Status: Open - (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks: - (Incorrect Not Verified)
Payment Amount: XXXXXXXX (Incorrect Not Verified)
Last Payment:XXXX
Term Length: Not Verified
Past Due Amount: XXXX - (Incorrect Not verified)
Account Type: Educational
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXX Account Number: XXXX High Balance: XXXX XXXXXXXX (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity:XXXX - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Open (Incorrect Not Verified)
Account Description: Current (Incorrect Not Verified)
Account Status: (Incorrect Not Verified)
Creditor Type: Miscellaneous Finance (Incorrect Not Verified)
Account Status: Open- (Incorrect Not Verified)
Payment Status: account not disputed - (Incorrect Not Verified)
Creditor Remarks: Current - (Incorrect Not Verified)
Payment Amount: (Incorrect Not Verified)
Last Payment: XXXX Term Length: XXXX (Incorrect Not Verified)
Past Due Amount: XXXX - (Incorrect Not verified)
Account Type: Miscellaneous Finance
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXXEPT OF EDXXXX
Account Number: XXXX High Balance: XXXX - (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance OwedXXXX XXXX - (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Paid (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Account not Disputed - (Incorrect Not Verified)
Payment Status: Miscellaneous Finance - (Incorrect Not Verified)
Creditor Remarks: Open - (Incorrect Not Verified)
Payment Amount: Current (Incorrect Not Verified)
Last Payment: - (Incorrect Not Verified)
Term Length: (incorrect Not Verified)
Past Due Amount: - (Incorrect Not verified)
Account Type: - (Incorrect Not Verified)
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: DEPT OF ED/XXXX
Account Number: XXXX High Balance: XXXX (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX - (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Paid (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Account not Disputed - (Incorrect Not Verified)
Payment Status: Open - (Incorrect Not Verified)
Creditor Remarks: - (Incorrect Not Verified)
Payment Amount: XXXX (Incorrect Not Verified)
Last Payment: - (Incorrect Not Verified)
Term Length: Not Verified
Past Due Amount: - (Incorrect Not verified)
Account Type: - (Incorrect Not Verified)
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXX XXXX
Account Number: XXXX- (Incorrect Not Verified)
High Balance: XXXXXXXX - (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date: Individual - (Not verified incorrect)
Account Rating: Paid (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: Personal Loan Company (Incorrect Not Verified)
Account Status: Closed - (Incorrect Not Verified)
Payment Status: account not disputed - (Incorrect Not Verified)
Creditor Remarks: - (Incorrect Not Verified)
Payment Amount: Closed (Incorrect Not Verified)
Last Payment:
Term Length: 10 months Not Verified
Past Due Amount: XXXXXXXX - (Incorrect Not verified)
Account Type: - (Incorrect Not Verified )
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXX
Account Number: XXXX High Balance: XXXXXXXX - (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity:XXXX - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX - (Balance is Incorrect)
Closed Date: - (Not verified Incorrect)
Account Rating: Paid (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: Miscellaneous Finance (Incorrect Not Verified)
Account Status: Paid - (Incorrect Not Verified)
Payment Status: Account not Deputed - (Incorrect Not Verified)
Creditor Remarks: Miscellaneous Education - (Incorrect Not Verified)
Payment Amount: Open (Incorrect Not Verified)
Last Payment: Current
Term Length: 120 months
Past Due Amount: XXXX - (Incorrect Not verified)
Account Type: Educational (incorrect Not verified)
Payment Frequency: Incorrect Not Verified
Account Name: XXXX Account Number: XXXX High Balance: - XXXXXXXX (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: XXXX - (Incorrect Not Verified)
Date Reported: XXXXXXXX - (Incorrect Date)
Date Opened:XXXX (Incorrect Open Date)
Balance Owed: XXXX - (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Paid (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Account Not disputed (Incorrect Not Verified)
Creditor Type: Miscellaneous Finance (Incorrect Not Verified)
Account Status: Open - (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks: - (Incorrect Not Verified)
Payment Amount: XXXXXXXX (Incorrect Not Verified)
Last Payment:XXXX XXXX (Incorrect Not Verified)
Term Length: XXXX Months (Incorrect Not Verified)
Past Due Amount: XXXXXXXX - (Incorrect Not verified)
Account Type: (incorrect Not verified)
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: DEPT OF EDXXXX
Account Number: XXXX High Balance: $XXXX- (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: - (Incorrect Not Verified)
Date Reported: XXXX -
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12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On or about XX/XX/XXXX, I received a dunning/collection letter from XXXX XXXX regarding the XXXX XXXX XXXX credit card account On XX/XX/XXXX, Defendant mailed a debt validation request to XXXX XXXX via certified mail tracking number XXXX.
On XX/XX/XXXX, XXXX XXXX received my debt validation request.
I never received a response to my validation request which may be a violation of the FDCPA and 12 C.F.R. 106.34 ( a ) ( 1 ) and instead XXXX XXXX filed suit instead of responding.
On XX/XX/XXXX, XXXX XXXX filed this civil suit/action against me on behalf of XXXX XXXX XXXX XXXX in the State Court of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I filed an answer to the lawsuit/complaint along with discovery motions/request Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions. A copy of the Answer along with the discovery request was sent to you via certified mail tracking number XXXX. A copy of the Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions.
According to the post office, the package picked up at a postal facility by your agent, representative, or employee at XXXX XXXX on XXXX XXXX XXXX
The thirty days to respond to the discovery request started on XX/XX/XXXX, and ended on XX/XX/XXXX.
I never received a response to the discovery request.
Pursuant to Georgia law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a ) ( XXXX ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or other failure to answer any discovery motion/request.
Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX, and XX/XX/XXXX. XXXX, I reached out to RAS LaVrars office by e-mail pursuant to rule XXXX ( b ) and prior to filing a motion to compel pursuant to XXXX. XXXX.
On XX/XX/XXXX, I mailed a certified letter ( tracking number XXXX ) to XXXX XXXX office and the letter was delivered and received by your office on XXXX, XXXX.
On XX/XX/XXXX, XXXX XXXX filed for voluntary dismissal without prejudice in the XXXX XXXX XXXX XXXX XXXX Georgia Civil Action File No XXXX.
Now on XX/XX/XXXX, I received a dunning letter from XXXX XXXX listing XXXX XXXX. instead of Department XXXX XXXX Bank or ( XXXX ) as the creditor. This is the same claim or action just listing a different creditor.
On XX/XX/XXXX, I mailed a second request for validation to XXXX XXXX via certified mail tracking number XXXX. According to the post office the item was delivered on XX/XX/XXXX.
On XX/XX/XXXX, I received an e-mail from XXXX of XXXX XXXX attorneys confirming receipt of the validation request.
Good afternoon, Our office is in receipt of your request and is gathering the requested documents for your review.
XXXX XXXX XXXX, XXXX.
Lead Litigation GA Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX Ex. XXXX Fax : XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
PRIVILEGE AND CONFIDENTIALITY NOTICE : This e-mail is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The contents of this e-mail message and any attachments are intended solely for the party or parties addressed and named in this message. This communication and all attachments, if any, are intended to be and to remain confidential, and it may be subject to the applicable attorney - client and or work product privileges. If you are not the intended recipient of this message, or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and its attachments. Do not deliver, distribute, or copy this message and or any attachments if you are not the intended recipient. Do not disclose the contents or take any action in reliance upon the information contained in this communication or any attachments. Although this E-mail and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free and no responsibility is accepted by XXXX XXXX XXXX XXXX for damage arising in any way from its use.
XXXX XXXX is a debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( XXXX ) and is required to comply with the FDCPA.
If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, or that the consumer request the name and address of the original creditor, the debt collector must cease collection of the debt, or any portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector 15 U.S.C. 1692g ( b ).
The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 15 U.S.C. 1692g ( c ).
As of the date of this letter, no response or validation/verification has been received by me.
Any failure by XXXX XXXX to comply with or any violation of the FDCPA by XXXX XXXX XXXX result in XXXX XXXX being subject to civil liability as outlined in 15 U.S.C. 1692k.
XXXX XXXX was notified and is aware that this is a second attempt to collect this alleged debt for the same account with Department XXXXXXXX XXXX XXXX XXXX XXXX ) which is a subsidiary of XXXX XXXX and that as of XX/XX/XXXX, XXXX has merged with XXXX.
Any refiling or renewing of a case would be subject to XXXX. XXXX and XXXX XXXX
XXXX XXXX has received two requests for validation and has failed to respond to both of them. XXXX XXXX has had approximately ten months to respond to my request for validation. Dont you think if XXXX XXXX XXXX to collect this alleged debt that they would have responded to the validation request a required by law by now?
As of the date of this letter, there has been no refiling of any lawsuit against me to collect this alleged debt. XXXX XXXX would have to consider all the things discussed in this letter when deciding whether or not it wants to refile the case in any court. XXXX XXXX would have to consider that if the Request for Admissions in the previous and now dismissed lawsuit is deemed admitted pursuant to Pursuant to XXXX. XXXX ( a ) ( XXXX ) anXXXX XXXX XXXX ( b ) then it will be difficult for you or XXXX XXXX to pursue a new claim because if certain admissions are deemed admitted then you will probably lose your case. XXXX XXXX is aware of this fact. XXXX XXXX had the option to motion the court to allow withdrawal of the admission and or work with me to resolve any issues with discovery instead XXXX XXXX chose to dismiss the lawsuit. In the event of any renewal or refiling of any lawsuit, XXXX XXXX would essentially be refiling the same claim involving the same parties. If you or your attorney admitted the previous case away for failing to respond, then it will be difficult to refile the case and win or be successful. It seems as if you dont think about this or take this into consideration when deciding not to delete this account from my credit report.
Because you disagree with the decisions made by XXXX XXXX, the laws of the State of Georgia, and the information that you have been provided is not reason or grounds for you to dismiss and ignore the information that you have been provided and make decision based on your personal ideology or beliefs under the guise of some unnamed/specified law, government regulation, or company policy where you do state the specific law and section of the law, the specific government regulation, or provide a copy of the company policy you are citing and relying upon. You only provide a selective cursory response on items that you want to respond to and its like your response is scripted. Additionally, it seems that you copy and paste previous responses.
You position is As a credit provider, we are obligated to report the account accurately to the credit reporting agencies. This statement is designed to end any discussion regarding credit reporting and to justify not removing an item from a credit report and is misleading, while you are required by law to report accurate information to the credit reporting agencies, you are not required to report account to the credit reporting agencies. It seems as if this statement is crafted to make any credit reporting dispute go away. This statement also suggests that you have some kind of moral or ethical obligation and not a legal obligation to report this account to a credit bureau and suggest your decision not to delete this account from the credit report is a moral decision and not a legal one.
DSNBs own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' The card agreement states that XXXX can report information about a consumer and the account to a credit bureau if XXXX chooses to do so however, the card agreement does not prohibit XXXX from updating or removing information about a consumer from a consumers credit file. Additionally, if XXXX were to assign or sell this account to a debt buyer or collection agency and that debt buyer or collection agency reported this account to the credit bureau, XXXX would be obligated or required by the FCRA to remove the account from my credit report because the FCRA prohibits duplicate accounts, or the same information or account being reported multiple times on a consumers credit report. XXXX also fails or neglects to mention that some debt collectors will offer to delete the account from a consumers credit report in exchange for payment especially if it is written in any settlement agreement or consent order. XXXX does not want to admit that credit reporting is nothing more than a debt collection tactic or practice which it sometimes uses to extort money ( in some cases more money than Plaintiff is entitled to ) out of consumers ( i.e. either pay us what we claim you owe us or well ruin your credit for seven years ). It seems XXXX as is not prohibited by contract, government regulations, or the law from removing Defendants account from his credit report with the three major credit bureaus out of revenge and spite because XXXX did not get the outcome XXXX wanted in the XXXX XXXX case and XXXX ( which is a subsidiary of XXXX ) most likely will not achieve the outcome XXXX desires in the XXXX XXXX XXXX credit card account case and some kind of righteous duty with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit or to have to pay a higher interest rate if offered a line of credit is preventing XXXX from removing this account from Defendants credit report with the three major credit bureaus.
If it is XXXX position that you are prohibited by law or government regulation from removing this account from my credit report, then you should have to identify any specific section of the FCRA or any other law or government regulation that would prohibit you from removing this account from my credit report and to provide any other information that you are relying upon. Based upon my information 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ) there is no law or government regulation that would prohibit XXXX from removing this account from my credit report. I have requested this information previously and XXXX has refused to respond and only wants to respond to what it determines or decides it wants to respond to or address. This was also requested by me in the now dismissed collection lawsuit.
It also seems that your decision is not based on the law but an alleged company policy. I would ask that you provide a full and complete copy of the policy you are referencing in your previous communications. Please dont carelessly or mindlessly state that the information requested is confidential and proprietary business information and can not be disclosed. In the event of any refiling of any lawsuit regarding this account and alleged debt I will include the request for this information in a Request for the Production of Documents pursuant to XXXX. XXXX. Any failure to respond appropriately to any discovery request is subject to a motion to compel pursuant to XXXX. XXXX.
XXXX has not been truthful in their previous responses to the CFPB and the XXXX and there will be potential problems for you in the event of any refiling or renewing of this case.
In your previous correspondence you claim that XXXX regularly reviews credit report data to determine if cardholders continue to qualify for their accounts. You also claim, " XXXX credit card account are reviewed on a regular basis to determine if an adjustment to the accounts credit limit is needed and to ensure the customer still meets the established eligibility requirements to maintain the card. You refuse to provide the eligibility requirements and credit criteria claiming, Our credit criteria is proprietary business information and can not be disclosed. I do not believe that you review accounts on a regular basis as you claim in your correspondence.
On two occasions my credit limit was lowered as a result of your so-called review of my account which you claim that my credit limit was reduced due to the number of revolving accounts with high usage. This is not the whole and complete truth. XXXX has omitted an important fact that in XXXX of XXXX a late fee was assessed on the same day as the payment due date XX/XX/XXXX, and the late fee was eventually credited back to the account even though payment was made and did not post until the next day XX/XX/XXXX. The following month the credit limit was reduced by {$100.00}. The other time the credit limit was reduced was in was in XXXX of XXXX. On XX/XX/XXXX ( the same day as the payment due date ) a late fee was assessed to the account even though a payment was made but did not post to the account until the next day XX/XX/XXXX. Then I received a letter from XXXX dated XX/XX/XXXX, stating that my credit limit would be reduced by another {$100.00}. Based on my research it seems the only time my account was reviewed was after a late fee was assessed and that the credit limit reduction is in retaliation and response to a late fee being assessed to the account. In the now dismissed collection lawsuit XXXX was asked in a discovery filing interrogatory to identify each and every time my account was allegedly reviewed. XXXX and their attorney XXXX XXXX failed to respond to the discovery request. The failure to respond to the discovery request is probably one of the factors that lead to the decision by XXXX XXXX to dismiss the lawsuit.
When XXXX conducted the review in XXXX of XXXX the XXXX XXXX XXXX credit card account was listed on my credit report as a negative item. XXXX was aware of this account being listed as a negative item on my credit report and did not use it as a reason or basis to not lower the credit limit {$100.00} instead, you used the reason number of account with high usage however, when you allegedly reviewed the account for renewal the XXXX XXXX being listed as a negative item on my credit report was used as a basis and reason for not renewing my account. When you conducted the review of my account in XXXX of XXXX, you were made aware of the XXXX XXXX account being a negative item on my credit report and instead of exercising your right to terminate use of the account without giving notice in advance ; unless we are required to give you notice by law. You also failed to explain why the decision was made to only lower the credit limit and how you determined the amount to lower the credit limit. This was addressed in the Interrogatories that were filed in the now dismissed lawsuit against me. In other words you failed to mitigate you damages. You will have to explain this in court.
You allegedly reviewed the account again XXXX of XXXX, and then sent a letter dated XX/XX/XXXX, that my account would not be renewed beyond the expiration of the card. This time the XXXX XXXX XXXX credit card account being a negative item on my credit report was used as a reason to not renew my account beyond the expiration date of the card. You will have to explain this in the event of any refilling or relitigating of this case. XXXX XXXX is aware of this because it was included in the answer to the now dismissed collection lawsuit.
This alleged review was conducted approximately nine months prior to the cards expiration and notice was not sent to me until approximately eight months prior to the cards expiration.
According to the XX/XX/XXXX, XXXX XXXX letter that talks about XXXX conducting reviews of accounts the letter also states Under federal law, we must determine the applicants ability to repay credit. My account was left open and not closed until XX/XX/XXXX. After XXXX determined that I no longer qualified for the account and or no longer had the ability to repay credit my account was left open and XXXX allowed me to use the account until the expiration date. This will be a problem for XXXX in the event of any litigation because you as a plaintiff have a duty and responsibility to mitigate your damages. As your agents, employees, and representatives love to cite the customer agreement that we have the right to limit or terminate use of your account without giving you notice in advance ; unless we are required to give you notice by law. You will be required to explain this in the event of any refiling or relitigating of this case. You will have to explain why you made the decision approximately nine months prior to the cards expiration and why you left the account open and allowed continued use of the card after determining that I no longer had the ability to repay credit until the card expired. This was included in the answer to the now dismissed collection lawsuit and XXXX XXXX is aware of this. Additionally, you charged {$41.00} late fees and interest for six months and then charged the account off after six months of receiving no payments because you were required to do so by law. If you determine that someone no longer has the ability to repay credit how is charging that person {$41.00} in late fees for six months or {$240.00} in late fees and interest going to incentivize or get someone to pay when they no longer have the ability to repay credit?
The aforementioned issued are also addressed in the discovery request that were filed in the now dismissed collection lawsuit and you nor your attorney XXXX XXXX responded to the discovery request.
You have repeatedly rejected any request by me to settle this case for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me. In the event of any refiling or renewal of this case, you may have to have to explain why you reject the request and then made a settlement offer in XXXX of XXXX giving me until XX/XX/XXXX, to respond. The letter also indicates if I choose not to accept the offer there may be other opportunities to settle may be available at a later date. And once again in a XXXX of XXXX correspondence by XXXX XXXX reject any offer to settle this account for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me.
You also failed to make any reasonable efforts to collect this alleged debt and artificially inflated the balance with unnecessary interest, fees, and penalties. Then you made a settlement offer at the end of XXXX and approximately one month prior to you being required by law to charge off the account and when the late fees and interest stop.
You issued a XXXX store credit card that can only be used at XXXX. When the account was opened the credit limit was {$800.00}. The credit limit has now been reduced to {$100.00}. The card has no expiration date and is still active. In the event of any renewal or refiling of the XXXX XXXX case you may have to explain this. Specifically, if I dont qualify and or dont have the ability to repay credit on the XXXX XXXX account how do you expect me to repay credit on this account and why you have not closed this account. This is a valid issue and defense. This information was included in the answer to the previous lawsuit that has since been dismissed. XXXX XXXX is and should be aware of this.
You have lied about and denied and continue to deny and ignore the fact that the decision not renew the account is in retaliation to a dispute I had with XXXX ( which you were a subsidiary of ) regarding a XXXX XXXX XXXX credit card account even though the available evidence supports my claim of retaliation. First, we have the fact that my credit limit was reduced on two occasions as a result of and in retaliation to late fees being assessed to my account. Second, we have the fact that the XXXX XXXX account being listed on my credit report as a negative item ( i.e., the serious delinquency item listed on my credit report reason ) on my credit report and was used as a reason for not renewing my account and included in the letter dated XX/XX/XXXX, informing me that my account would not account would not be renewed. Finally, we have the fact the XXXX ( which XXXX is or was a subsidiary of and has now merged with XXXX ) closed and refused to renew my XXXX XXXX XXXX credit card account and flat out admitted it was due to a to a charge-off of the XXXX XXXX account. I am not asking you to address issues or concerns regarding other accounts but just merely stating the facts and using this information to prove my point or position.
You have also omitted other important information from your correspondences with me, the CFPB, and the XXXX
In your XX/XX/XXXX, letter by XXXX XXXX, you state Our review of your account found the statement with the closing date of XX/XX/XXXX, your account had a balance of {$1400.00} with a minimum payment of {$44.00} due by XX/XX/XXXX. No payment was received for this balance and in accordance with the terms of the credit card agreement, each month the required minimum payment due was not received, the account was charged a late fee and interest charge. This continued until the account balance reach {$1900.00} and charged off on XX/XX/XXXX. This is somewhat misleading because you omit the fact that you are required by law to charge-off an account after you have not received any payments and the account is past due for over 180 days or six months.
You also omit and fail to admit or mention that the account was closed and could not be used by me but not charged off so that you can continue to act as if the account is still open and assess late fees, penalties, and interest until the balance is paid in full because once the account is charged off ( after 180 days or six months ) the late fees and interest must stop. You wanted the ability to still assess late fees, penalties, and interest to the account. This was discussed and addressed by the answer to the now dismissed lawsuit and you will have to have to explain this in the event of any new litigation. You seem to have forgotten that I can demand a jury trial. Do you think that going in front of a jury and demanding that they give you late fees and interest for six months just because you can charge those fees when you made little to no effort to collect this alleged debt and after you determined that I no longer had the ability to repay credit. What are you are you accomplishing by charging by charging interest and late fees for six months just because you can and until you are required to charge off the account?
In the event of any renewal or refiling of your claim the answer will be amended to include the fact this is your second attempt at filing the same claim against me and that you are subject to XXXX. XXXX. The discovery request will also be refiled. You should also be aware that some judges have issued standing orders and instructions regarding how cases are handled by that particular judge. One example is State Court of XXXX XXXX XXXX XXXX XXXX XXXX. Section seven of the order addresses extension of time and section seven addresses discovery. Extensions of time for discovery will be granted only upon consent motion or in exceptional cases in which the parties promptly commence and diligently pursue discovery yet are unable to complete discovery in the timeframe set forth above due to circumstances not reasonably anticipated at the time that the parties prepare and submit the Scheduling Order. Any motion for an extension of time for discovery must be filed with the Court prior to the expiration of the existing discovery period. A copy of the standing order is attached for your review. This case was NOT assigned to XXXX XXXX and this order did not apply. You are required to respond to the discovery request truthfully and accurately within the timeframe provided by law. Failure to respond or to respond truthfully and accurately could result in you having to pay expenses incurred by me to prove that you did not respond truthfully and accurately and any failure to respond at all could result in a motion to compel. XXXX XXXX is aware of this fact. This case has already been filed and then dismissed. If the case is refiled and then dismissed voluntarily again that will serve as an adjudication upon the merits ( and is the same as a dismissal with prejudice ) XXXX XXXX XXXX a ) ( 3 ). In other words, you will be prohibited by law from filing any additional lawsuits, claims, or actions, regarding this account and alleged debt and then would have no means to collect this alleged debt and no remedies available to you. It would be a violation of the FDCPA for any debt collector to threaten to take any action that can not legally be taken or that is not intended to be taken 15 U.S.C. 1692e ( 5 ) or the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer 15 U.S.C. 1692e ( 10 ).
As previously stated, XXXX XXXX was sent a validation request on XX/XX/XXXX and it was received by them on XX/XX/XXXX. As of the date of this letter, no response other than the attorney acknowledging receipt of the request and stating that they are gathering the requested information and documents.
XXXX XXXX is also aware of the previous lawsuit and will have to decide whether or not they will renew or refile this claim. Factors that could affect their decision include the failure to respond to the discovery request in the previous case and the defenses I have raised and outlined in this letter. You are not taking this fact into consideration when denying my request to delete this account from my credit report.
You should be aware that XXXX XXXX and the State Court of XXXX XXXX XXXX of Georgia have copies of all of your correspondence and communications with me, the CFPB, and the XXXX except any that were received after the case was dismissed. The documents were provided to the court by me because they were attached to the answer as exhibits. In the event of any new litigation all communications received after the answer was filed will be attached as exhibits to an amended answer. You should also be aware that any documents filed with the court are public records and can be made available to anyone who request them provided they pay any fees imposed by the court or court clerks office for researching and printing of the request documents. The State Court of Cobb County State of Georgia also uses an online system XXXX XXXX XXXXXXXX to file cases and to obtain documents filed in cases if available. Anyone can register and create a peachcourt account and obtain copies documents filed in cases if available for a per item fee. Attorneys are required to file all cases online using the peachcourt website. Attorneys will have unlimited access to all of the documents available on and through the peachcourt website. You also may use XXXX XXXX XXXX to look up information regarding cases. This is a free service for anyone to use and you dont have to register. This site will not provide you with access to documents filed in the case and will only provide you with a list of any actions, events, or filings in the case. If you were to hire a new attorney, you must make them aware of the fact that you previously filed a lawsuit and then dismissed it approximately three months later and the fact they you and your attorney failed to respond to the discovery request then that attorney will make a decision whether or not to represent you or not. If you fail to inform the attorney and provide the attorney with all information regarding the case and account and withhold or omit information the attorney could withdraw from your case and or dismiss any pending court action/litigation. In this case it would be a second notice of dismissal and would serve or operate as an adjudication upon the merits and would be the same as a dismissal with prejudice XXXX. 9-11-41 ( a ) ( 3 ).
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12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On or about XX/XX/XXXX, I received a dunning/collection letter from XXXX XXXX regarding the XXXX XXXX XXXX credit card account On XX/XX/XXXX, Defendant mailed a debt validation request to XXXX XXXX via certified mail tracking number XXXX.
On XX/XX/XXXX, XXXX XXXX received my debt validation request.
I never received a response to my validation request which may be a violation of the FDCPA and 12 C.F.R. 106.34 ( a ) ( 1 ) and instead XXXX XXXX filed suit instead of responding.
On XX/XX/XXXX, XXXX XXXX filed this civil suit/action against me on behalf of XXXX XXXX XXXX XXXX in the State Court of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I filed an answer to the lawsuit/complaint along with discovery motions/request Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions. A copy of the Answer along with the discovery request was sent to you via certified mail tracking number XXXX. A copy of the Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions.
According to the post office, the package picked up at a postal facility by your agent, representative, or employee at XXXX XXXX on XX/XX/XXXX.
The thirty days to respond to the discovery request started on XX/XX/XXXX, and ended on XX/XX/XXXX.
I never received a response to the discovery request.
Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or other failure to answer any discovery motion/request.
Pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) The matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ).
On XX/XX/XXXX, and XX/XX/XXXX. XXXX, I reached out to XXXX XXXX office by e-mail pursuant to rule 6.4 ( b ) and prior to filing a motion to compel pursuant to O.C.G.A. 9-11-37.
On XX/XX/XXXX, I mailed a certified letter ( tracking number XXXX ) to XXXX XXXX office and the letter was delivered and received by your office on XXXX, XXXX.
On XX/XX/XXXX, XXXX XXXX filed for voluntary dismissal without prejudice in the XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX No XXXX.
Now on XX/XX/XXXX, I received a dunning letter from XXXX XXXX listing XXXX XXXX. instead of XXXX XXXX XXXX XXXX or ( XXXX ) as the creditor. This is the same claim or action just listing a different creditor.
On XX/XX/XXXX, I mailed a second request for validation to XXXX XXXX via certified mail tracking number XXXX. According to the post office the item was delivered on XX/XX/XXXX.
On XX/XX/XXXX, I received an e-mail from one of XXXX XXXX attorneys confirming receipt of the validation request.
Good afternoon, Our office is in receipt of your request and is gathering the requested documents for your review.
XXXX XXXX XXXX, XXXX.
Lead Litigation GA Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX Ex. XXXX Fax : XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
PRIVILEGE AND CONFIDENTIALITY NOTICE : This e-mail is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The contents of this e-mail message and any attachments are intended solely for the party or parties addressed and named in this message. This communication and all attachments, if any, are intended to be and to remain confidential, and it may be subject to the applicable attorney - client and or work product privileges. If you are not the intended recipient of this message, or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and its attachments. Do not deliver, distribute, or copy this message and or any attachments if you are not the intended recipient. Do not disclose the contents or take any action in reliance upon the information contained in this communication or any attachments. Although this E-mail and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free and no responsibility is accepted by XXXX XXXX XXXX XXXX for damage arising in any way from its use.
XXXX XXXX is a debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692a ( 6 ) and is required to comply with the FDCPA.
If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, or that the consumer request the name and address of the original creditor, the debt collector must cease collection of the debt, or any portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector 15 U.S.C. 1692g ( b ).
The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 15 U.S.C. 1692g ( c ).
As of the date of this letter, no response or validation/verification has been received by me.
Any failure by XXXX XXXX to comply with or any violation of the FDCPA by XXXX XXXX XXXX result in XXXX XXXX being subject to civil liability as outlined in 15 U.S.C. 1692k.
XXXX XXXX was notified and is aware that this is a second attempt to collect this alleged debt for the same account with XXXX XXXX XXXX XXXX XXXX XXXX ) which is a subsidiary of XXXX XXXX and that as of XX/XX/XXXX, XXXX has merged with XXXX.
Any refiling or renewing of a case would be subject to O.C.G.A. 9-2-61 and O.C.G.A. 9-11-41.
XXXX XXXX has received two requests for validation and has failed to respond to both of them. XXXX XXXX has had approximately ten months to respond to my request for validation. Dont you think if XXXX XXXX intended to collect this alleged debt that they would have responded to the validation request a required by law by now?
As of the date of this letter, there has been no refiling of any lawsuit against me to collect this alleged debt. XXXX XXXX would have to consider all the things discussed in this letter when deciding whether or not it wants to refile the case in any court. XXXX XXXX would have to consider that if the Request for Admissions in the previous and now dismissed lawsuit is deemed admitted pursuant to Pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) and O.C.G.A. 9-11-36 ( b ) then it will be difficult for you or XXXX XXXX to pursue a new claim because if certain admissions are deemed admitted then you will probably lose your case. XXXX XXXX is aware of this fact. XXXX XXXX had the option to motion the court to allow withdrawal of the admission and or work with me to resolve any issues with discovery instead XXXX XXXX chose to dismiss the lawsuit. In the event of any renewal or refiling of any lawsuit, XXXX XXXX would essentially be refiling the same claim involving the same parties. If you or your attorney admitted the previous case away for failing to respond, then it will be difficult to refile the case and win or be successful. It seems as if you dont think about this or take this into consideration when deciding not to delete this account from my credit report.
Because you disagree with the decisions made by XXXX XXXX, the laws of the State of Georgia, and the information that you have been provided is not reason or grounds for you to dismiss and ignore the information that you have been provided and make decision based on your personal ideology or beliefs under the guise of some unnamed/specified law, government regulation, or company policy where you do state the specific law and section of the law, the specific government regulation, or provide a copy of the company policy you are citing and relying upon. You only provide a selective cursory response on items that you want to respond to and its like your response is scripted. Additionally, it seems that you copy and paste previous responses.
You position is As a credit provider, we are obligated to report the account accurately to the credit reporting agencies. This statement is designed to end any discussion regarding credit reporting and to justify not removing an item from a credit report and is misleading, while you are required by law to report accurate information to the credit reporting agencies, you are not required to report account to the credit reporting agencies. It seems as if this statement is crafted to make any credit reporting dispute go away. This statement also suggests that you have some kind of moral or ethical obligation and not a legal obligation to report this account to a credit bureau and suggest your decision not to delete this account from the credit report is a moral decision and not a legal one.
XXXX own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' The card agreement states that XXXX can report information about a consumer and the account to a credit bureau if XXXX chooses to do so however, the card agreement does not prohibit XXXX from updating or removing information about a consumer from a consumers credit file. Additionally, if XXXX were to assign or sell this account to a debt buyer or collection agency and that debt buyer or collection agency reported this account to the credit bureau, XXXX would be obligated or required by the FCRA to remove the account from my credit report because the FCRA prohibits duplicate accounts, or the same information or account being reported multiple times on a consumers credit report. XXXX also fails or neglects to mention that some debt collectors will offer to delete the account from a consumers credit report in exchange for payment especially if it is written in any settlement agreement or consent order. XXXX does not want to admit that credit reporting is nothing more than a debt collection tactic or practice which it sometimes uses to extort money ( in some cases more money than Plaintiff is entitled to ) out of consumers ( i.e. either pay us what we claim you owe us or well ruin your credit for seven years ). It seems XXXX as is not prohibited by contract, government regulations, or the law from removing Defendants account from his credit report with the three major credit bureaus out of revenge and spite because XXXX did not get the outcome XXXX wanted in the XXXX XXXX case and XXXX ( which is a subsidiary of XXXX ) most likely will not achieve the outcome XXXX desires in the XXXX XXXX XXXX credit card account case and some kind of righteous duty with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit or to have to pay a higher interest rate if offered a line of credit is preventing XXXX from removing this account from Defendants credit report with the three major credit bureaus.
If it is XXXX position that you are prohibited by law or government regulation from removing this account from my credit report, then you should have to identify any specific section of the FCRA or any other law or government regulation that would prohibit you from removing this account from my credit report and to provide any other information that you are relying upon. Based upon my information 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ) there is no law or government regulation that would prohibit XXXX from removing this account from my credit report. I have requested this information previously and XXXX has refused to respond and only wants to respond to what it determines or decides it wants to respond to or address. This was also requested by me in the now dismissed collection lawsuit.
It also seems that your decision is not based on the law but an alleged company policy. I would ask that you provide a full and complete copy of the policy you are referencing in your previous communications. Please dont carelessly or mindlessly state that the information requested is confidential and proprietary business information and can not be disclosed. In the event of any refiling of any lawsuit regarding this account and alleged debt I will include the request for this information in a Request for the Production of Documents pursuant to O.C.G.A. 9-11-33. Any failure to respond appropriately to any discovery request is subject to a motion to compel pursuant to O.C.G.A. 9-11-37.
XXXX has not been truthful in their previous responses to the CFPB and the XXXX and there will be potential problems for you in the event of any refiling or renewing of this case.
In your previous correspondence you claim that XXXX regularly reviews credit report data to determine if cardholders continue to qualify for their accounts. You also claim, " XXXX credit card account are reviewed on a regular basis to determine if an adjustment to the accounts credit limit is needed and to ensure the customer still meets the established eligibility requirements to maintain the card. You refuse to provide the eligibility requirements and credit criteria claiming, Our credit criteria is proprietary business information and can not be disclosed. I do not believe that you review accounts on a regular basis as you claim in your correspondence.
On two occasions my credit limit was lowered as a result of your so-called review of my account which you claim that my credit limit was reduced due to the number of revolving accounts with high usage. This is not the whole and complete truth. XXXX has omitted an important fact that in XXXX of XXXX a late fee was assessed on the same day as the payment due date XX/XX/XXXX, and the late fee was eventually credited back to the account even though payment was made and did not post until the next day XX/XX/XXXX. The following month the credit limit was reduced by {$100.00}. The other time the credit limit was reduced was in was in XXXX of XXXX. On XX/XX/XXXX ( the same day as the payment due date ) a late fee was assessed to the account even though a payment was made but did not post to the account until the next day XX/XX/XXXX. Then I received a letter from XXXX dated XX/XX/XXXX, stating that my credit limit would be reduced by another {$100.00}. Based on my research it seems the only time my account was reviewed was after a late fee was assessed and that the credit limit reduction is in retaliation and response to a late fee being assessed to the account. In the now dismissed collection lawsuit XXXX was asked in a discovery filing interrogatory to identify each and every time my account was allegedly reviewed. XXXX and their attorney XXXX XXXX failed to respond to the discovery request. The failure to respond to the discovery request is probably one of the factors that lead to the decision by XXXX XXXX to dismiss the lawsuit.
When XXXX conducted the review in XXXX of XXXX the XXXX XXXX XXXX credit card account was listed on my credit report as a negative item. XXXX was aware of this account being listed as a negative item on my credit report and did not use it as a reason or basis to not lower the credit limit {$100.00} instead, you used the reason number of account with high usage however, when you allegedly reviewed the account for renewal the XXXX XXXX being listed as a negative item on my credit report was used as a basis and reason for not renewing my account. When you conducted the review of my account in XXXX of XXXX, you were made aware of the XXXX XXXX account being a negative item on my credit report and instead of exercising your right to terminate use of the account without giving notice in advance ; unless we are required to give you notice by law. You also failed to explain why the decision was made to only lower the credit limit and how you determined the amount to lower the credit limit. This was addressed in the Interrogatories that were filed in the now dismissed lawsuit against me. In other words you failed to mitigate you damages. You will have to explain this in court.
You allegedly reviewed the account again XXXX of XXXX, and then sent a letter dated XX/XX/XXXX, that my account would not be renewed beyond the expiration of the card. This time the XXXX XXXX XXXX credit card account being a negative item on my credit report was used as a reason to not renew my account beyond the expiration date of the card. You will have to explain this in the event of any refilling or relitigating of this case. XXXX XXXX is aware of this because it was included in the answer to the now dismissed collection lawsuit.
This alleged review was conducted approximately nine months prior to the cards expiration and notice was not sent to me until approximately eight months prior to the cards expiration.
According to the XX/XX/XXXX, XXXX XXXX letter that talks about XXXX conducting reviews of accounts the letter also states Under federal law, we must determine the applicants ability to repay credit. My account was left open and not closed until XX/XX/XXXX. After XXXX determined that I no longer qualified for the account and or no longer had the ability to repay credit my account was left open and XXXX allowed me to use the account until the expiration date. This will be a problem for XXXX in the event of any litigation because you as a plaintiff have a duty and responsibility to mitigate your damages. As your agents, employees, and representatives love to cite the customer agreement that we have the right to limit or terminate use of your account without giving you notice in advance ; unless we are required to give you notice by law. You will be required to explain this in the event of any refiling or relitigating of this case. You will have to explain why you made the decision approximately nine months prior to the cards expiration and why you left the account open and allowed continued use of the card after determining that I no longer had the ability to repay credit until the card expired. This was included in the answer to the now dismissed collection lawsuit and XXXX XXXX is aware of this. Additionally, you charged {$41.00} late fees and interest for six months and then charged the account off after six months of receiving no payments because you were required to do so by law. If you determine that someone no longer has the ability to repay credit how is charging that person {$41.00} in late fees for six months or {$240.00} in late fees and interest going to incentivize or get someone to pay when they no longer have the ability to repay credit?
The aforementioned issued are also addressed in the discovery request that were filed in the now dismissed collection lawsuit and you nor your attorney XXXX XXXX responded to the discovery request.
You have repeatedly rejected any request by me to settle this case for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me. In the event of any refiling or renewal of this case, you may have to have to explain why you reject the request and then made a settlement offer in XXXX of XXXX giving me until XX/XX/XXXX, to respond. The letter also indicates if I choose not to accept the offer there may be other opportunities to settle may be available at a later date. And once again in a XXXX of XXXX correspondence by XXXX XXXX reject any offer to settle this account for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me.
You also failed to make any reasonable efforts to collect this alleged debt and artificially inflated the balance with unnecessary interest, fees, and penalties. Then you made a settlement offer at the end of XXXX and approximately one month prior to you being required by law to charge off the account and when the late fees and interest stop.
You issued a XXXX store credit card that can only be used at XXXX. When the account was opened the credit limit was {$800.00}. The credit limit has now been reduced to {$100.00}. The card has no expiration date and is still active. In the event of any renewal or refiling of the XXXX XXXX case you may have to explain this. Specifically, if I dont qualify and or dont have the ability to repay credit on the XXXX XXXX account how do you expect me to repay credit on this account and why you have not closed this account. This is a valid issue and defense. This information was included in the answer to the previous lawsuit that has since been dismissed. XXXX XXXX is and should be aware of this.
You have lied about and denied and continue to deny and ignore the fact that the decision not renew the account is in retaliation to a dispute I had with XXXX ( which you were a subsidiary of ) regarding a XXXX XXXX XXXX credit card account even though the available evidence supports my claim of retaliation. First, we have the fact that my credit limit was reduced on two occasions as a result of and in retaliation to late fees being assessed to my account. Second, we have the fact that the XXXX XXXX account being listed on my credit report as a negative item ( i.e., the serious delinquency item listed on my credit report reason ) on my credit report and was used as a reason for not renewing my account and included in the letter dated XX/XX/XXXX, informing me that my account would not account would not be renewed. Finally, we have the fact the XXXX ( which XXXX is or was a subsidiary of and has now merged with XXXX ) closed and refused to renew my XXXX XXXX XXXX credit card account and flat out admitted it was due to a to a charge-off of the XXXX XXXX account. I am not asking you to address issues or concerns regarding other accounts but just merely stating the facts and using this information to prove my point or position.
You have also omitted other important information from your correspondences with me, the CFPB, and the XXXX.
In your XX/XX/XXXX, letter by XXXX XXXX, you state Our review of your account found the statement with the closing date of XX/XX/XXXX, your account had a balance of {$1400.00} with a minimum payment of {$44.00} due by XX/XX/XXXX. No payment was received for this balance and in accordance with the terms of the credit card agreement, each month the required minimum payment due was not received, the account was charged a late fee and interest charge. This continued until the account balance reach {$1900.00} and charged off on XX/XX/XXXX. This is somewhat misleading because you omit the fact that you are required by law to charge-off an account after you have not received any payments and the account is past due for over 180 days or six months.
You also omit and fail to admit or mention that the account was closed and could not be used by me but not charged off so that you can continue to act as if the account is still open and assess late fees, penalties, and interest until the balance is paid in full because once the account is charged off ( after 180 days or six months ) the late fees and interest must stop. You wanted the ability to still assess late fees, penalties, and interest to the account. This was discussed and addressed by the answer to the now dismissed lawsuit and you will have to have to explain this in the event of any new litigation. You seem to have forgotten that I can demand a jury trial. Do you think that going in front of a jury and demanding that they give you late fees and interest for six months just because you can charge those fees when you made little to no effort to collect this alleged debt and after you determined that I no longer had the ability to repay credit. What are you are you accomplishing by charging by charging interest and late fees for six months just because you can and until you are required to charge off the account?
In the event of any renewal or refiling of your claim the answer will be amended to include the fact this is your second attempt at filing the same claim against me and that you are subject to O.C.G.A. 9-11-41. The discovery request will also be refiled. You should also be aware that some judges have issued standing orders and instructions regarding how cases are handled by that particular judge. One example is State Court of XXXX XXXX XXXX XXXX XXXX XXXX. Section seven of the order addresses extension of time and section seven addresses discovery. Extensions of time for discovery will be granted only upon consent motion or in exceptional cases in which the parties promptly commence and diligently pursue discovery yet are unable to complete discovery in the timeframe set forth above due to circumstances not reasonably anticipated at the time that the parties prepare and submit the Scheduling Order. Any motion for an extension of time for discovery must be filed with the Court prior to the expiration of the existing discovery period. A copy of the standing order is attached for your review. This case was NOT assigned to XXXX XXXX and this order did not apply. You are required to respond to the discovery request truthfully and accurately within the timeframe provided by law. Failure to respond or to respond truthfully and accurately could result in you having to pay expenses incurred by me to prove that you did not respond truthfully and accurately and any failure to respond at all could result in a motion to compel. XXXX XXXX is aware of this fact. This case has already been filed and then dismissed. If the case is refiled and then dismissed voluntarily again that will serve as an adjudication upon the merits ( and is the same as a dismissal with prejudice ) O.C.G.A. 9-11-41 ( a ) ( 3 ). In other words, you will be prohibited by law from filing any additional lawsuits, claims, or actions, regarding this account and alleged debt and then would have no means to collect this alleged debt and no remedies available to you. It would be a violation of the FDCPA for any debt collector to threaten to take any action that can not legally be taken or that is not intended to be taken 15 U.S.C. 1692e ( 5 ) or the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer 15 U.S.C. 1692e ( 10 ).
As previously stated, XXXX XXXX was sent a validation request on XX/XX/XXXX and it was received by them on XX/XX/XXXX. As of the date of this letter, no response other than the attorney acknowledging receipt of the request and stating that they are gathering the requested information and documents.
XXXX XXXX is also aware of the previous lawsuit and will have to decide whether or not they will renew or refile this claim. Factors that could affect their decision include the failure to respond to the discovery request in the previous case and the defenses I have raised and outlined in this letter. You are not taking this fact into consideration when denying my request to delete this account from my credit report.
You should be aware that XXXX XXXX and the State Court of Cobb County State of Georgia have copies of all of your correspondence and communications with me, the CFPB, and the XXXX except any that were received after the case was dismissed. The documents were provided to the court by me because they were attached to the answer as exhibits. In the event of any new litigation all communications received after the answer was filed will be attached as exhibits to an amended answer. You should also be aware that any documents filed with the court are public records and can be made available to anyone who request them provided they pay any fees imposed by the court or court clerks office for researching and printing of the request documents. The XXXX XXXX XXXX XXXX XXXX XXXX of Georgia also uses an online system XXXX XXXX XXXX to file cases and to obtain documents filed in cases if available. Anyone can register and create a peachcourt account and obtain copies documents filed in cases if available for a per item fee. Attorneys are required to file all cases online using the peachcourt website. Attorneys will have unlimited access to all of the documents available on and through the peachcourt website. You also may use XXXX XXXX XXXX to look up information regarding cases. This is a free service for anyone to use and you dont have to register. This site will not provide you with access to documents filed in the case and will only provide you with a list of any actions, events, or filings in the case. If you were to hire a new attorney, you must make them aware of the fact that you previously filed a lawsuit and then dismissed it approximately three months later and the fact they you and your attorney failed to respond to the discovery request then that attorney will make a decision whether or not to represent you or not. If you fail to inform the attorney and provide the attorney with all information regarding the case and account and withhold or omit information the attorney could withdraw from your case and or dismiss any pending court action/litigation. In this case it would be a second notice of dismissal and would serve or operate as an adjudication upon the merits and would be the same as a dismissal with prejudice O.C.G.A. 9-11-41 ( a ) ( 3 ).
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12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
On or about XX/XX/XXXX, I received a dunning/collection letter from XXXX XXXX regarding the XXXX XXXX XXXX credit card account On XX/XX/XXXX, Defendant mailed a debt validation request to XXXX XXXX via certified mail tracking number XXXX.
On XX/XX/XXXX, XXXX XXXX received my debt validation request.
I never received a response to my validation request which may be a violation of the FDCPA and 12 C.F.R. 106.34 ( a ) ( 1 ) and instead XXXX XXXX filed suit instead of responding.
On XX/XX/XXXX, XXXX XXXX filed this civil suit/action against me on behalf of Department XXXX XXXX XXXX in the State Court of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I filed an answer to the lawsuit/complaint along with discovery motions/request Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions. A copy of the Answer along with the discovery request was sent to you via certified mail tracking number XXXX. A copy of the Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions.
According to the post office, the package picked up at a postal facility by your agent, representative, or employee at XXXX XXXX on XX/XX/XXXX.
The thirty days to respond to the discovery request started on XX/XX/XXXX, and ended on XX/XX/XXXX.
I never received a response to the discovery request.
Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or other failure to answer any discovery motion/request.
Pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) The matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ).
On XX/XX/XXXX, and XX/XX/XXXX. XXXX, I reached out to XXXX XXXX office by e-mail pursuant to rule 6.4 ( b ) and prior to filing a motion to compel pursuant to O.C.G.A. 9-11-37.
On XX/XX/XXXX, I mailed a certified letter ( tracking number XXXX ) to XXXX XXXX office and the letter was delivered and received by your office on XXXX, XXXX.
On XX/XX/XXXX, XXXX XXXX filed for voluntary dismissal without prejudice in the XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX No XXXX.
Now on XX/XX/XXXX, I received a dunning letter from XXXX XXXX listing XXXX XXXX. instead of XXXX XXXX XXXX Bank or ( XXXX ) as the creditor. This is the same claim or action just listing a different creditor.
On XX/XX/XXXX, I mailed a second request for validation to XXXX XXXX via certified mail tracking number XXXX. According to the post office the item was delivered on XX/XX/XXXX.
On XX/XX/XXXX, I received an e-mail from one of XXXX XXXX attorneys confirming receipt of the validation request.
Good afternoon, Our office is in receipt of your request and is gathering the requested documents for your review.
XXXX XXXX XXXX, XXXX.
Lead Litigation GA Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX Ex. XXXX Fax : XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
PRIVILEGE AND CONFIDENTIALITY NOTICE : This e-mail is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The contents of this e-mail message and any attachments are intended solely for the party or parties addressed and named in this message. This communication and all attachments, if any, are intended to be and to remain confidential, and it may be subject to the applicable attorney - client and or work product privileges. If you are not the intended recipient of this message, or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and its attachments. Do not deliver, distribute, or copy this message and or any attachments if you are not the intended recipient. Do not disclose the contents or take any action in reliance upon the information contained in this communication or any attachments. Although this E-mail and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free and no responsibility is accepted by XXXX XXXX XXXX XXXX for damage arising in any way from its use.
XXXX XXXX is a debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692a ( 6 ) and is required to comply with the FDCPA.
If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, or that the consumer request the name and address of the original creditor, the debt collector must cease collection of the debt, or any portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector 15 U.S.C. 1692g ( b ).
The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 15 U.S.C. 1692g ( c ).
As of the date of this letter, no response or validation/verification has been received by me.
Any failure by XXXX XXXX to comply with or any violation of the FDCPA by XXXX XXXX may result in XXXX XXXX being subject to civil liability as outlined in 15 U.S.C. 1692k.
XXXX XXXX was notified and is aware that this is a second attempt to collect this alleged debt for the same account with XXXX XXXX XXXX XXXX ( XXXX ) which is a subsidiary of XXXX XXXX and that as of XX/XX/XXXX, XXXX has merged with XXXX.
Any refiling or renewing of a case would be subject to XXXX. XXXX and XXXX XXXX.
XXXX XXXX has received two requests for validation and has failed to respond to both of them. XXXX XXXX has had approximately ten months to respond to my request for validation. Dont you think if XXXX XXXX XXXX to collect this alleged debt that they would have responded to the validation request a required by law by now?
As of the date of this letter, there has been no refiling of any lawsuit against me to collect this alleged debt. XXXX XXXX would have to consider all the things discussed in this letter when deciding whether or not it wants to refile the case in any court. XXXX XXXX would have to consider that if the Request for Admissions in the previous and now dismissed lawsuit is deemed admitted pursuant to XXXX to XXXX. XXXX ( a ) ( XXXX ) and XXXX XXXXXXXX ( b ) then it will be difficult for you or XXXX XXXX to pursue a new claim because if certain admissions are deemed admitted then you will probably lose your case. XXXX XXXX is aware of this fact. XXXX XXXX had the option to motion the court to allow withdrawal of the admission and or work with me to resolve any issues with discovery instead XXXX XXXX chose to dismiss the lawsuit. In the event of any renewal or refiling of any lawsuit, XXXX XXXX would essentially be refiling the same claim involving the same parties. If you or your attorney admitted the previous case away for failing to respond, then it will be difficult to refile the case and win or be successful. It seems as if you dont think about this or take this into consideration when deciding not to delete this account from my credit report.
Because you disagree with the decisions made by XXXX XXXX, the laws of the State of Georgia, and the information that you have been provided is not reason or grounds for you to dismiss and ignore the information that you have been provided and make decision based on your personal ideology or beliefs under the guise of some unnamed/specified law, government regulation, or company policy where you do state the specific law and section of the law, the specific government regulation, or provide a copy of the company policy you are citing and relying upon. You only provide a selective cursory response on items that you want to respond to and its like your response is scripted. Additionally, it seems that you copy and paste previous responses.
You position is As a credit provider, we are obligated to report the account accurately to the credit reporting agencies. This statement is designed to end any discussion regarding credit reporting and to justify not removing an item from a credit report and is misleading, while you are required by law to report accurate information to the credit reporting agencies, you are not required to report account to the credit reporting agencies. It seems as if this statement is crafted to make any credit reporting dispute go away. This statement also suggests that you have some kind of moral or ethical obligation and not a legal obligation to report this account to a credit bureau and suggest your decision not to delete this account from the credit report is a moral decision and not a legal one.
XXXX own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' The card agreement states that XXXX can report information about a consumer and the account to a credit bureau if XXXX chooses to do so however, the card agreement does not prohibit XXXX from updating or removing information about a consumer from a consumers credit file. Additionally, if XXXX were to assign or sell this account to a debt buyer or collection agency and that debt buyer or collection agency reported this account to the credit bureau, XXXX would be obligated or required by the FCRA to remove the account from my credit report because the FCRA prohibits duplicate accounts, or the same information or account being reported multiple times on a consumers credit report. XXXX also fails or neglects to mention that some debt collectors will offer to delete the account from a consumers credit report in exchange for payment especially if it is written in any settlement agreement or consent order. XXXX does not want to admit that credit reporting is nothing more than a debt collection tactic or practice which it sometimes uses to extort money ( in some cases more money than Plaintiff is entitled to ) out of consumers ( i.e. either pay us what we claim you owe us or well ruin your credit for seven years ). It seems XXXX as is not prohibited by contract, government regulations, or the law from removing Defendants account from his credit report with the three major credit bureaus out of revenge and spite because XXXX did not get the outcome XXXX wanted in the XXXX XXXX case and XXXX ( which is a subsidiary of XXXX ) most likely will not achieve the outcome XXXX desires in the XXXX XXXX XXXX credit card account case and some kind of righteous duty with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit or to have to pay a higher interest rate if offered a line of credit is preventing XXXX from removing this account from Defendants credit report with the three major credit bureaus.
If it is XXXX position that you are prohibited by law or government regulation from removing this account from my credit report, then you should have to identify any specific section of the FCRA or any other law or government regulation that would prohibit you from removing this account from my credit report and to provide any other information that you are relying upon. Based upon my information 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ) there is no law or government regulation that would prohibit XXXX from removing this account from my credit report. I have requested this information previously and XXXX has refused to respond and only wants to respond to what it determines or decides it wants to respond to or address. This was also requested by me in the now dismissed collection lawsuit.
It also seems that your decision is not based on the law but an alleged company policy. I would ask that you provide a full and complete copy of the policy you are referencing in your previous communications. Please dont carelessly or mindlessly state that the information requested is confidential and proprietary business information and can not be disclosed. In the event of any refiling of any lawsuit regarding this account and alleged debt I will include the request for this information in a Request for the Production of Documents pursuant to XXXX. XXXX. Any failure to respond appropriately to any discovery request is subject to a motion to compel pursuant to XXXX. XXXX.
XXXX has not been truthful in their previous responses to the CFPB and the XXXX and there will be potential problems for you in the event of any refiling or renewing of this case.
In your previous correspondence you claim that XXXX regularly reviews credit report data to determine if cardholders continue to qualify for their accounts. You also claim, " XXXX credit card account are reviewed on a regular basis to determine if an adjustment to the accounts credit limit is needed and to ensure the customer still meets the established eligibility requirements to maintain the card. You refuse to provide the eligibility requirements and credit criteria claiming, Our credit criteria is proprietary business information and can not be disclosed. I do not believe that you review accounts on a regular basis as you claim in your correspondence.
On two occasions my credit limit was lowered as a result of your so-called review of my account which you claim that my credit limit was reduced due to the number of revolving accounts with high usage. This is not the whole and complete truth. XXXX has omitted an important fact that in XXXX of XXXX a late fee was assessed on the same day as the payment due date XX/XX/XXXX, and the late fee was eventually credited back to the account even though payment was made and did not post until the next day XX/XX/XXXX. The following month the credit limit was reduced by {$100.00}. The other time the credit limit was reduced was in was in XXXX of XXXX. On XX/XX/XXXX ( the same day as the payment due date ) a late fee was assessed to the account even though a payment was made but did not post to the account until the next day XX/XX/XXXX. Then I received a letter from XXXX dated XX/XX/XXXX, stating that my credit limit would be reduced by another {$100.00}. Based on my research it seems the only time my account was reviewed was after a late fee was assessed and that the credit limit reduction is in retaliation and response to a late fee being assessed to the account. In the now dismissed collection lawsuit XXXX was asked in a discovery filing interrogatory to identify each and every time my account was allegedly reviewed. XXXX and their attorney XXXX XXXX failed to respond to the discovery request. The failure to respond to the discovery request is probably one of the factors that lead to the decision by XXXX XXXX to dismiss the lawsuit.
When XXXX conducted the review in XXXX of XXXX the XXXX XXXX XXXX credit card account was listed on my credit report as a negative item. XXXX was aware of this account being listed as a negative item on my credit report and did not use it as a reason or basis to not lower the credit limit {$100.00} instead, you used the reason number of account with high usage however, when you allegedly reviewed the account for renewal the XXXX XXXX being listed as a negative item on my credit report was used as a basis and reason for not renewing my account. When you conducted the review of my account in XXXX of XXXX, you were made aware of the XXXX XXXX account being a negative item on my credit report and instead of exercising your right to terminate use of the account without giving notice in advance ; unless we are required to give you notice by law. You also failed to explain why the decision was made to only lower the credit limit and how you determined the amount to lower the credit limit. This was addressed in the Interrogatories that were filed in the now dismissed lawsuit against me. In other words you failed to mitigate you damages. You will have to explain this in court.
You allegedly reviewed the account again XXXX of XXXX, and then sent a letter dated XX/XX/XXXX, that my account would not be renewed beyond the expiration of the card. This time the XXXX XXXX XXXX credit card account being a negative item on my credit report was used as a reason to not renew my account beyond the expiration date of the card. You will have to explain this in the event of any refilling or relitigating of this case. XXXX XXXX is aware of this because it was included in the answer to the now dismissed collection lawsuit.
This alleged review was conducted approximately nine months prior to the cards expiration and notice was not sent to me until approximately eight months prior to the cards expiration.
According to the XX/XX/XXXX, XXXX XXXX letter that talks about XXXX conducting reviews of accounts the letter also states Under federal law, we must determine the applicants ability to repay credit. My account was left open and not closed until XX/XX/XXXX. After XXXX determined that I no longer qualified for the account and or no longer had the ability to repay credit my account was left open and XXXX allowed me to use the account until the expiration date. This will be a problem for XXXX in the event of any litigation because you as a plaintiff have a duty and responsibility to mitigate your damages. As your agents, employees, and representatives love to cite the customer agreement that we have the right to limit or terminate use of your account without giving you notice in advance ; unless we are required to give you notice by law. You will be required to explain this in the event of any refiling or relitigating of this case. You will have to explain why you made the decision approximately nine months prior to the cards expiration and why you left the account open and allowed continued use of the card after determining that I no longer had the ability to repay credit until the card expired. This was included in the answer to the now dismissed collection lawsuit and XXXX XXXX is aware of this. Additionally, you charged {$41.00} late fees and interest for six months and then charged the account off after six months of receiving no payments because you were required to do so by law. If you determine that someone no longer has the ability to repay credit how is charging that person {$41.00} in late fees for six months or {$240.00} in late fees and interest going to incentivize or get someone to pay when they no longer have the ability to repay credit?
The aforementioned issued are also addressed in the discovery request that were filed in the now dismissed collection lawsuit and you nor your attorney XXXX XXXX responded to the discovery request.
You have repeatedly rejected any request by me to settle this case for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me. In the event of any refiling or renewal of this case, you may have to have to explain why you reject the request and then made a settlement offer in XXXX of XXXX giving me until XX/XX/XXXX, to respond. The letter also indicates if I choose not to accept the offer there may be other opportunities to settle may be available at a later date. And once again in a XXXX of XXXX correspondence by XXXX XXXX reject any offer to settle this account for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me.
You also failed to make any reasonable efforts to collect this alleged debt and artificially inflated the balance with unnecessary interest, fees, and penalties. Then you made a settlement offer at the end of XXXX and approximately one month prior to you being required by law to charge off the account and when the late fees and interest stop.
You issued a XXXX store credit card that can only be used at XXXX. When the account was opened the credit limit was {$800.00}. The credit limit has now been reduced to {$100.00}. The card has no expiration date and is still active. In the event of any renewal or refiling of the XXXX XXXX case you may have to explain this. Specifically, if I dont qualify and or dont have the ability to repay credit on the XXXX XXXX account how do you expect me to repay credit on this account and why you have not closed this account. This is a valid issue and defense. This information was included in the answer to the previous lawsuit that has since been dismissed. XXXX XXXX is and should be aware of this.
You have lied about and denied and continue to deny and ignore the fact that the decision not renew the account is in retaliation to a dispute I had with XXXX ( which you were a subsidiary of ) regarding a XXXX XXXX XXXX credit card account even though the available evidence supports my claim of retaliation. First, we have the fact that my credit limit was reduced on two occasions as a result of and in retaliation to late fees being assessed to my account. Second, we have the fact that the XXXX XXXX account being listed on my credit report as a negative item ( i.e., the serious delinquency item listed on my credit report reason ) on my credit report and was used as a reason for not renewing my account and included in the letter dated XX/XX/XXXX, informing me that my account would not account would not be renewed. Finally, we have the fact the XXXX ( which XXXX is or was a subsidiary of and has now merged with XXXX ) closed and refused to renew my XXXX XXXX XXXX credit card account and flat out admitted it was due to a to a charge-off of the XXXX XXXX account. I am not asking you to address issues or concerns regarding other accounts but just merely stating the facts and using this information to prove my point or position.
You have also omitted other important information from your correspondences with me, the CFPB, and the XXXX.
In your XX/XX/XXXX, letter by XXXX XXXX, you state Our review of your account found the statement with the closing date of XX/XX/XXXX, your account had a balance of {$1400.00} with a minimum payment of {$44.00} due by XX/XX/XXXX. No payment was received for this balance and in accordance with the terms of the credit card agreement, each month the required minimum payment due was not received, the account was charged a late fee and interest charge. This continued until the account balance reach {$1900.00} and charged off on XX/XX/XXXX. This is somewhat misleading because you omit the fact that you are required by law to charge-off an account after you have not received any payments and the account is past due for over 180 days or six months.
You also omit and fail to admit or mention that the account was closed and could not be used by me but not charged off so that you can continue to act as if the account is still open and assess late fees, penalties, and interest until the balance is paid in full because once the account is charged off ( after 180 days or six months ) the late fees and interest must stop. You wanted the ability to still assess late fees, penalties, and interest to the account. This was discussed and addressed by the answer to the now dismissed lawsuit and you will have to have to explain this in the event of any new litigation. You seem to have forgotten that I can demand a jury trial. Do you think that going in front of a jury and demanding that they give you late fees and interest for six months just because you can charge those fees when you made little to no effort to collect this alleged debt and after you determined that I no longer had the ability to repay credit. What are you are you accomplishing by charging by charging interest and late fees for six months just because you can and until you are required to charge off the account?
In the event of any renewal or refiling of your claim the answer will be amended to include the fact this is your second attempt at filing the same claim against me and that you are subject to XXXX. XXXX. The discovery request will also be refiled. You should also be aware that some judges have issued standing orders and instructions regarding how cases are handled by that particular judge. One example is State Court of XXXX XXXX XXXX XXXX XXXX XXXX. Section seven of the order addresses extension of time and section seven addresses discovery. Extensions of time for discovery will be granted only upon consent motion or in exceptional cases in which the parties promptly commence and diligently pursue discovery yet are unable to complete discovery in the timeframe set forth above due to circumstances not reasonably anticipated at the time that the parties prepare and submit the XXXX XXXX. Any motion for an extension of time for discovery must be filed with the Court prior to the expiration of the existing discovery period. A copy of the standing order is attached for your review. This case was NOT assigned to XXXX XXXX and this order did not apply. You are required to respond to the discovery request truthfully and accurately within the timeframe provided by law. Failure to respond or to respond truthfully and accurately could result in you having to pay expenses incurred by me to prove that you did not respond truthfully and accurately and any failure to respond at all could result in a motion to compel. XXXX XXXX is aware of this fact. This case has already been filed and then dismissed. If the case is refiled and then dismissed voluntarily again that will serve as an adjudication upon the merits ( and is the same as a dismissal with prejudice ) O.C.G.A. 9-11-41 ( a ) ( 3 ). In other words, you will be prohibited by law from filing any additional lawsuits, claims, or actions, regarding this account and alleged debt and then would have no means to collect this alleged debt and no remedies available to you. It would be a violation of the FDCPA for any debt collector to threaten to take any action that can not legally be taken or that is not intended to be taken 15 U.S.C. 1692e ( 5 ) or the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer 15 U.S.C. 1692e ( 10 ).
As previously stated, XXXX XXXX was sent a validation request on XX/XX/XXXX and it was received by them on XX/XX/XXXX. As of the date of this letter, no response other than the attorney acknowledging receipt of the request and stating that they are gathering the requested information and documents.
XXXX XXXX is also aware of the previous lawsuit and will have to decide whether or not they will renew or refile this claim. Factors that could affect their decision include the failure to respond to the discovery request in the previous case and the defenses I have raised and outlined in this letter. You are not taking this fact into consideration when denying my request to delete this account from my credit report.
You should be aware that XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia have copies of all of your correspondence and communications with me, the CFPB, and the XXXX except any that were received after the case was dismissed. The documents were provided to the court by me because they were attached to the answer as exhibits. In the event of any new litigation all communications received after the answer was filed will be attached as exhibits to an amended answer. You should also be aware that any documents filed with the court are public records and can be made available to anyone who request them provided they pay any fees imposed by the court or court clerks office for researching and printing of the request documents. The XXXX XXXX XXXX XXXX XXXX XXXX of Georgia also uses an online system https : //www.peachcourt.com to file cases and to obtain documents filed in cases if available. Anyone can register and create a peachcourt account and obtain copies documents filed in cases if available for a per item fee. Attorneys are required to file all cases online using the peachcourt website. Attorneys will have unlimited access to all of the documents available on and through the peachcourt website. You also may use XXXX XXXX XXXXXXXX to look up information regarding cases. This is a free service for anyone to use and you dont have to register. This site will not provide you with access to documents filed in the case and will only provide you with a list of any actions, events, or filings in the case. If you were to hire a new attorney, you must make them aware of the fact that you previously filed a lawsuit and then dismissed it approximately three months later and the fact they you and your attorney failed to respond to the discovery request then that attorney will make a decision whether or not to represent you or not. If you fail to inform the attorney and provide the attorney with all information regarding the case and account and withhold or omit information the attorney could withdraw from your case and or dismiss any pending court action/litigation. In this case it would be a second notice of dismissal and would serve or operate as an adjudication upon the merits and would be the same as a dismissal with prejudice O.C.G.A. 9-11-41 ( a ) ( 3 ).
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04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act : XXXX, XXXX, Equifax XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to Privacy.
15 U.S.C. 1681 Section 604 A.section 2 : It also states a consumer reporting agency can not furnish a account without my written consent instructions.
I need all these accounts listed investigated and information from your investigated forwarded to me at XXXX or my current home address of XXXX XXXX XXXX XXXX, XXXX XXXX I also want all addresses that are listed on my credit report removed because i have lived at this address for XXXX years and my previous address i lived at up until this time was XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and other address are not mine and must be removed.
Account 's to be investigated and information to be sent to me as proof of your investigation. The electronic investigation never wins in the consumer favor because they never send validating information. I want signed contracts from all parties involved to prove i owe these debts listed.
1. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ut XXXX 2. XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX 3. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX 4. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 5. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX 6. XXXX XXXX Bank Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 7. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX South Carolina XXXX My Name is : XXXX XXXX The Name XXXX XXXX isn't my name and must be deleted.
The Name XXXX XXXX isn't my name and must be deleted.
These are a few of the laws that have been violated. This warrant 's removal of the false or misleading information.
605A - 15 U.S.C. 1681c-1 the consumer reporting agency shall notify the requester of the existence of the discrepancy.
See also 16 CFR Part 641 72 Fed. Reg. 63771-72 ( 11/09/07 ) 74 Fed. Reg. 22640-41 ( 05/14/09 ) ( 2 ) Regulations ( A ) Regulations required. The Bureau shall, in consultation with the Federal banking agencies, the XXXX XXXX XXXX XXXX, and the Federal Trade Commission, prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).
( B ) Policies and procedures to be included. The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established.
605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall 605A - 15 U.S.C. 1681c-1 27 ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).
( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 612 ( d ) ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).
( b ) Extended Alerts ( 1 ) In general. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the 7-year period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the 5-year period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the 28 605A - 15 U.S.C. 1681c-1 consumer or such representative requests that such exclusion be rescinded before the end of such period; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).
( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request 2 free copies of the file of the consumer pursuant to section 612 ( d ) during the 12-month period beginning on the date on which the fraud alert was included in the file ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).
( c ) Active duty alerts. Upon the direct request of an active duty military consumer, or an individual acting on behalf of or as a personal representative of an active duty military consumer, a consumer reporting agency described in section 603 ( p ) that maintains a file on the active duty military consumer and has received appropriate proof of the identity of the requester shall ( 1 ) include an active duty alert in the file of that active duty military consumer, and also provide that alert along with any credit score generated in using that file, during a period of not less than 12 months, or such longer period as the Bureau shall determine, by regulation, beginning on the date of the request, unless the active duty military consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; ( 2 ) during the 2-year period beginning on the date of such request, exclude the active duty military consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer requests that such exclusion be rescinded before the end of such period ; and 605A - 15 U.S.C. 1681c-1 29 ( 3 ) refer the information regarding the active duty alert to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).
See also 16 CFR Part 613.1 69 Fed. Reg. 63922 ( 11/03/04 ) ( d ) Procedures. Each consumer reporting agency described in section 603 ( p ) shall establish policies and procedures to comply with this section, including procedures that inform consumers of the availability of initial, extended, and active duty alerts and procedures that allow consumers and active duty military consumers to request initial, extended, or active duty alerts ( as applicable ) in a simple and easy manner, including by telephone.
( e ) Referrals of alerts. Each consumer reporting agency described in section 603 ( p ) that receives a referral of a fraud alert or active duty alert from another consumer reporting agency pursuant to this section shall, as though the agency received the request from the consumer directly, follow the procedures required under ( 1 ) paragraphs ( 1 ) ( A ) and ( 2 ) of subsection ( a ), in the case of a referral under subsection ( a ) ( 1 ) ( B ) ; ( 2 ) paragraphs ( 1 ) ( A ), ( 1 ) ( B ), and ( 2 ) of subsection ( b ), in the case of a referral under subsection ( b ) ( 1 ) ( C ) ; and ( 3 ) paragraphs ( 1 ) and ( 2 ) of subsection ( c ), in the case of a referral under subsection ( c ) ( 3 ).
( f ) Duty of reseller to reconvey alert. A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency.
( g ) Duty of other consumer reporting agencies to provide contact information.
If a consumer contacts any consumer reporting agency that is not described in section 603 ( p ) to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 603 ( p ) to obtain more detailed information and request alerts under this section.
( h ) Limitations on Use of Information for Credit Extensions ( 1 ) Requirements for initial and active duty alerts ( A ) Notification. Each initial fraud alert and active duty alert under this section shall include information that notifies all prospective users of a consumer report on the consumer to which the alert 30 605A - 15 U.S.C. 1681c-1 relates that the consumer does not authorize the establishment of any new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph ( B ).
( B ) Limitation on Users ( i ) In general. No prospective user of a consumer report that includes an initial fraud alert or an active duty alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or grant any increase in credit limit on an existing credit account requested by a consumer, unless the user utilizes reasonable policies and procedures to form a reasonable belief that the user knows the identity of the person making the request.
( ii ) Verification. If a consumer requesting the alert has specified a telephone number to be used for identity verification purposes, before authorizing any new credit plan or extension described in clause ( i ) in the name of such consumer, a user of such consumer report shall contact the consumer using that telephone number or take reasonable steps to verify the consumers identity and confirm that the application for a new credit plan is not the result of identity theft.
( 2 ) Requirements for Extended Alerts ( A ) Notification. Each extended alert under this section shall include information that provides all prospective users of a consumer report relating to a consumer with ( i ) notification that the consumer does not authorize the establishment of any new credit plan or extension of credit described in clause ( i ), other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account 605A - 15 U.S.C. 1681c-1 31 requested by a consumer, except in accordance with subparagraph ( B ) ; and ( ii ) a telephone number or other reasonable contact method designated by the consumer.
( B ) Limitation on users. No prospective user of a consumer report or of a credit score generated using the information in the file of a consumer that includes an extended fraud alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, unless the user contacts the consumer in person or using the contact method described in subparagraph ( A ) ( ii ) to confirm that the application for a new credit plan or increase in credit limit, or request for an additional card is not the result of identity theft.
( i ) National security freeze.
( 1 ) Definitions. For purposes of this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).
( B ) The term proper identification has the meaning of such term as used under section 610.
( C ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is subject to such security freeze to any person requesting the consumer report.
( 2 ) Placement of security freeze.
( A ) In general. Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the consumer; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer.
32 605A - 15 U.S.C. 1681c-1 ( B ) Confirmation and additional information.
Not later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the consumer ; and ( ii ) inform the consumer of ( I ) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer ; and ( II ) the consumers right described in section 615 ( d ) ( 1 ) ( D ).
( C ) Notice to third parties. A consumer reporting agency may advise a third party that a security freeze has been placed with respect to a consumer under subparagraph ( A ).
( 3 ) Removal of security freeze.
( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a consumer only in the following cases : ( i ) Upon the direct request of the consumer.
( ii ) The security freeze was placed due to a material misrepresentation of fact by the consumer.
( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( ii ), the consumer reporting agency shall notify the consumer in writing prior to removing the security freeze.
( C ) Removal of security freeze by consumer request. Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.
605A - 15 U.S.C. 1681c-1 33 ( D ) Third-party requests. If a third party requests access to a consumer report of a consumer with respect to which a security freeze is in effect, where such request is in connection with an application for credit, and the consumer does not allow such consumer report to be accessed, the third party may treat the application as incomplete.
( E ) Temporary removal of security freeze. Upon receiving a direct request from a consumer under subparagraph ( A ) ( i ), if the consumer requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( C ), remove the security freeze for the period of time specified by the consumer.
( 4 ) Exceptions. A security freeze shall not apply to the making of a consumer report for use of the following : ( A ) A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument. For purposes of this subparagraph, reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
( B ) Any Federal, State, or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena.
( C ) A child support agency acting pursuant to part D of title IV of the Social Security Act ( 42 U.S.C. 651 et seq. ).
( D ) A Federal agency or a State or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under section 604.
34 605A - 15 U.S.C. 1681c-1 ( E ) By a person using credit information for the purposes described under section 604 ( c ).
( F ) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed.
( G ) Any person or entity for the purpose of providing a consumer with a copy of the consumers consumer report or credit score, upon the request of the consumer.
( H ) Any person using the information in connection with the underwriting of insurance.
( I ) Any person using the information for employment, tenant, or background screening purposes.
( J ) Any person using the information for assessing, verifying, or authenticating a consumers identity for purposes other than the granting of credit, or for investigating or preventing actual or potential fraud.
( 5 ) Notice of rights. At any time a consumer is required to receive a summary of rights required under section 609, the following notice shall be included : Consumers Have The Right To Obtain A Security Freeze You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization.
The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file.
Upon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
605A - 15 U.S.C. 1681c-1 35 A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
( 6 ) Webpage.
( A ) Consumer reporting agencies. A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an active duty fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 615 ( d ) ; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.
( B ) FTC. The Federal Trade Commission shall establish a single webpage that includes a link to each webpage established under subparagraph ( A ) within the Federal Trade Commissions website www.IdentityTheft.gov, or a successor website.
( j ) National protection for files and credit records of protected consumers.
( 1 ) Definitions. As used in this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).
( B ) The term protected consumer means an individual who is ( i ) under the age of 16 years at the time a request for the placement of a security freeze is made ; or ( ii ) an incapacitated person or a protected person for whom a guardian or conservator has been appointed.
( C ) The term protected consumers representative means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.
36 605A - 15 U.S.C. 1681c-1 ( D ) The term record means a compilation of information that ( i ) identifies a protected consumer ; ( ii ) is created by a consumer reporting agency solely for the purpose of complying with this subsection; and ( iii ) may not be created or used to consider the protected consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
( E ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is the subject of such security freeze or, in the case of a protected consumer for whom the consumer reporting agency does not have a file, a record that is subject to such security freeze to any person requesting the consumer report for the purpose of opening a new account involving the extension of credit.
( F ) The term sufficient proof of authority means documentation that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and valid power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, including a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed in a foster care setting, a written communication from a county welfare department or its agent or designee, or a county probation department or its agent or designee, certifying that the protected consumer is in a foster care setting under its jurisdiction.
( G ) The term sufficient proof of identification means information or documentation that identifies a protected consumer and a protected consumers representative and includes ( i ) a social security number or a copy of a social security card issued by the Social Security Administration ; S. 215536 ( ii ) a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate ; or 605A - 15 U.S.C. 1681c-1 37 ( iii ) a copy of a drivers license, an identification card issued by the motor vehicle administration, or any other government issued identification.
( 2 ) Placement of security freeze for a protected consumer.
( A ) In general. Upon receiving a direct request from a protected consumers representative that a consumer reporting agency place a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the protected consumers representative; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the protected consumers representative.
( B ) Confirmation and additional information.
Not later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the protected consumers representative ; and ( ii ) inform the protected consumers representative of the process by which the protected consumer may remove the security freeze, including a mechanism to authenticate the protected consumers representative.
( C ) Creation of file. If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a direct request under subparagraph ( A ), the consumer reporting agency shall create a record for the protected consumer.
( 3 ) Prohibition on release of record or file of protected consumer. After a security freeze has been placed under paragraph ( 2 ) ( A ), and unless the security freeze is removed in accordance with this subsection, a consumer reporting agency may not release the protected consumers consumer report, any information derived from the protected consumers consumer report, or any record created for the protected consumer.
38 605A - 15 U.S.C. 1681c-1 ( 4 ) Removal of a protected consumer security freeze.
( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a protected consumer only in the following cases : ( i ) Upon the direct request of the protected consumers representative.
( ii ) Upon the direct request of the protected consumer, if the protected consumer is not under the age of 16 years at the time of the request.
( iii ) The security freeze was placed due to a material misrepresentation of fact by the protected consumers representative.
( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( iii ), the consumer reporting agency shall notify the protected consumers representative in writing prior to removing the security freeze.
( C ) Removal of freeze by request. Except as provided in subparagraph ( A ) ( iii ), a security freeze shall remain in place until a protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) directly requests that the security freeze be removed. Upon receiving a direct request from the protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) that a consumer reporting agency remove a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.
( D ) Temporary removal of security freeze. Upon receiving a direct request from a protected consumer or a protected consumers representative under subparagraph ( A ) ( i ), if the protected consumer or protected consumers representative requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( I have asked XXXX to investigate and I have disputed all account 's that I wasn't familar with or have no knowledge of because i was a victim of id theft and my information was being sold on the XXXX web. I have pasted all the violations that have been violated by the said reporting agency and i want all the account 's Investigated fully and removed once it is found that these debt 's are not min
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09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX ****To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis- information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).
( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).
( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).
( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).
( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).
( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).
Destination of my Consumer Complaint is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Consumer letter to PHYSICALLY CHECK for replete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully undoubted, CORRECT, Complete, TIMELY, and or elsewise VALID as recorded and additionally as mandatory ensure that any injurious claim is PERFECT and Complete in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY authentic ACCURATE entire VERIFIABLY VALID and CERTIFIED as such is a MINIMAL necessarily of lawful reporting NOT AN OPTIONAL ONE! I as well use this notification to contest ignorant or elsewise with deviation ( s ) allegations regardless of reason of dereliction. My document here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect- ability or not!
To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently announced item ( s ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile Page 2 history by eradication and or removal from reporting the delinquently divulged item ( s ) of : Consumer 's Primary Name XXXX XXXX - REMOVE the display reported Consumer 's Former Names ( s ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Former Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
REMOVE the display reported Consumer 's Other Names ( s ) of XXXX and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Other Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Current Residence : XXXX XXXX XXXX XXXX GA XXXX Personal Identifier Information -XXXX XXXX XXXX Consumer 's Current Residence : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX REMOVE the display reported Consumer 's Current Residence ( s ) of XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Previous Residence : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Personal Identifier Information -XXXX XXXX XXXXXXXX Consumer 's XXXX XXXX XXXX XXXX XXXX Residence : XXXX XXXXXXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Equifax REMOVE the display reported Consumer 's Previous Residence ( s ) of XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Consumer 's Reported Employer ( s ) : Personal Identifier Information XXXX XXXX XXXX Consumer 's Reported Employer ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Reported Employers ( s ) of XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Reported Employers is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Birth Year : Consumer 's Birth Year : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Consumer 's Birth Year : D XXXX I XXXX I XXXX I Page 3 REMOVE the display reported Consumer 's Birth Year ( s ) of XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required XXXX Base Segment Character Format XXXX Header Record ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trailer Record ... XXXX Header Record Packed Format XXXX Base Segment Packed Format XXXX Trailer Record Packed Format XXXX Data Furnisher XXXX XXXX XXXX Data Furnisher XXXX XXXX XXXX XXXX XXXXXXXX essentially stands for Not Metro2/ Translated within Cra/and or is Unknown F Equifax XXXX XXXX XXXX XXXX but Required Reported E Potential Error I Inconsistent N Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act XXXX Potential Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Installment Account Auto Loan -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Installment Account Auto Loan -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid -- XXXX XXXX XXXX XXXX Joint Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Data Reporter Street Address XXXX XXXXXXXX Data Reporter City, State, and Postal Zip Code D XXXX XXXX Reporter Telephone Number XXXX XXXXXXXX Data Reporter Identification Number XXXX XXXX Item 's Subscriber Number XXXX XXXXXXXX Activity Date XXXX XXXXXXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX XXXX XXXX ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : XXXX XXXXXXXX Scheduled Monthly Payment Amount : XXXX XXXX Account Terms Frequency : XXXX XXXXXXXX Account Terms Length : XXXX XXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : XXXX XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : XXXX Account Status Information : XXXX Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Installment Account Auto Loan -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX Joint Joint Auto Loan Auto Closed Paid Closed Paid Closed Paid Loan Current XXXX Unknown XXXX Page XXXX XXXX Date of Account Information : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX Account Dispute Status : XXXX Date Last Verified : XXXX XXXX Creditor Remarks : XXXX Two-Year Payment History XXXX XXXX Account not disputed XXXX XXXX XXXX XXXX XXXX Account not disputed XXXX Account was in dispute - now resolved - reported by subscriber.
XXXX XXXX Account not disputed XXXX Closed or paid accountXXXX balance XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards , of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for Equifax and as such are one or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report.
In regard to item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for Equifax and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability!
In cognizance to the item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
As for the item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX for Equifax are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3-4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent!
Bearing attention to the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency Page 5 of reporting Appropriateness!
In regard to item questioned above, Account Credit Limit reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards. As such, either one or more as a matter of course is not doubt deficient of its exigency of reporting proficiency!
XXXX XXXX XXXX XXXX Data Reporter Name XXXX XXXX XXXX XXXX Street Address XXXX XXXXXXXX Data Reporter City, State, and Postal Zip Code D XXXXXXXX Data Reporter Telephone Number XXXX XXXXXXXX Data Reporter Identification Number XXXX XXXX Item 's Subscriber Number XXXX XXXXXXXX Activity Date XXXX XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type-Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : XXXX XXXXXXXX Scheduled Monthly Payment Amount : XXXX XXXXXXXX Account Terms Frequency : U XXXX Account Terms Length : XXXX XXXXXXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : XXXX XXXXXXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : XXXX Account Status Information : XXXX Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : XXXX Date of Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
- XXXX XXXX Equifax XXXX Account Dispute Status : XXXX Date Last Verified : XXXX XXXX XXXX Creditor Remarks : - XXXX XXXXXXXX Two-Year Payment History XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account not disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX Derogatory XXXX XXXX XXXXXXXX Individual XXXX Derogatory Derogatory Derogatory Collection/Chargeoff XXXX XXXX XXXX Account not disputed XXXX XXXX XXXX None Reported None Reported None Reported XXXX XXXX XXXX XXXX XXXX XXXX Derogatory -XXXX XXXXXXXX? XXXX Individual XXXX Derogatory Derogatory Derogatory Collection/Chargeoff XXXX XXXX XXXX Account not disputed Page 6 Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict!
As for the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for Equifax are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3-4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent!
In regard to item questioned above, Balance reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards. As such, either one or more as a matter of course is not doubt deficient of its exigency of reporting proficiency!
In regard to item questioned above, Date of Last Payment reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards. As such, either one or more as a matter of course is not doubt deficient of its exigency of reporting proficiency!
Bearing attention to the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
In cognizance to the item questioned above, Account Credit Limit reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Data Reporter Name XXXX XXXX XXXX XXXX XXXX Address D XXXX Data Reporter City, State, and Postal XXXX Code D XXXX Data Reporter Telephone Number D XXXX Data Reporter Identification Number D ^NTCU^ Item 's Subscriber Number U XXXX Activity Date D XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX?
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Page XXXX Date of Account Balance : D -M-M-M XXXX Scheduled Monthly Payment Amount : XXXX XXXX XXXX Account Terms Frequency : XXXX XXXXXXXX Account Terms Length : XXXX XXXXXXXX Credit Limit : -XXXX XXXXXXXX Account Highest Credit : XXXX XXXX XXXX Date of Last Payment : XXXX XXXXXXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX XXXX Account Condition : -M XXXX Account Credit Limit : XXXX XXXX XXXX? XXXX XXXX Derogatory -M -M XXXX? XXXX XXXX Derogatory -M XXXX? XXXX Individual -M Derogatory Derogatory Derogatory Collection/Chargeoff XXXX XXXX XXXX Account not disputed N/A Consumer disputes this account information XXXX Account High Balance/Original Balance : XXXX XXXX XXXX?
XXXX Account 's Date Opened : XXXX XXXX XXXXXXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX XXXXXXXX Account Ownership Type : -XXXX XXXXXXXX Account Status : -XXXX XXXX Account Status Information : -M ^NTCU^ Account Rating : XXXX XXXX XXXX Payment Status : -XXXX XXXXXXXX Payment Rating : N/A ^NTCU^ Date of Account Information : XXXX XXXX XXXX XXXX Code : XXXX XXXX XXXXXXXX Individual XXXX Derogatory Derogatory Derogatory Collection/Chargeoff XXXX XXXX XXXX Account not disputed XXXX XXXX None Reported None Reported None Reported XXXX Account Dispute Status : XXXX Date Last Verified : XXXX XXXX XXXX Creditor Remarks : -M XXXX Two-Year Payment History XXXX XXXX Equifax Account not disputed Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as Not Reporting for XXXX, XXXX for XXXX, XXXX for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards. As such, either one or more as a matter of course is not doubt deficient of its exigency of reporting proficiency!
In regard to item questioned above, Date of Account Opened reported as Not Reporting for XXXX, XXXX for XXXX, XXXX for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting
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09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX ****To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( XXXX ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis- information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ).
( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( XXXX ).
( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ).
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ).
( XXXX ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( XXXX ).
( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ).
( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( XXXX ).
Destination of my Consumer Complaint is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Consumer letter to PHYSICALLY CHECK for replete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully undoubted, CORRECT, Complete, TIMELY, and or elsewise VALID as recorded and additionally as mandatory ensure that any injurious claim is PERFECT and Complete in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY authentic ACCURATE entire VERIFIABLY VALID and CERTIFIED as such is a MINIMAL necessarily of lawful reporting NOT AN OPTIONAL ONE! I as well use this notification to contest ignorant or elsewise with deviation ( XXXX ) allegations regardless of reason of dereliction. My document here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( XXXX ) reality of collect- ability or not!
To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently announced item ( s ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( XXXX ) and or debt ( XXXX ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( XXXX ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile Page XXXX history by eradication and or removal from reporting the delinquently divulged item ( XXXX ) of : Consumer 's Primary Name XXXX XXXX - REMOVE the display reported Consumer 's Former Names ( XXXX ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Former Names is XXXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
REMOVE the display reported Consumer 's Other Names ( XXXX ) of XXXX and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Other Names is XXXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Current Residence : XXXX XXXX XXXX XXXX GA XXXX Personal Identifier Information -XXXX XXXX XXXXXXXX Consumer 's Current Residence : D XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX REMOVE the display reported Consumer 's Current Residence ( XXXX ) of XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Previous Residence : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Personal Identifier Information -XXXX XXXX XXXX Consumer 's XXXX XXXX XXXX XXXX XXXX Residence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax REMOVE the display reported Consumer 's Previous Residence ( XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX WHISPERING PINES XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Consumer 's Reported Employer ( XXXX ) : Personal Identifier Information XXXX XXXX XXXX XXXX 's Reported Employer ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Reported Employers ( XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Reported Employers is XXXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Birth Year : Consumer 's Birth Year : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Consumer 's Birth Year : XXXX XXXXXXXX I XXXX I XXXX I Page XXXX REMOVE the display reported Consumer 's Birth Year ( XXXX ) of XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format HRCF Header Record ... XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment TRCF Trailer Record ... HRPF Header Record Packed Format BSPF Base Segment Packed Format TRPF Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX T XXXX XXXX essentially stands for Not XXXX Translated within Cra/and or is Unknown F Equifax XXXX XXXX XXXX Missing but Required Reported XXXX Potential XXXX XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not XXXX XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act V Potential Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current N/A XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporter Street Address D XXXX Data Reporter City, State, and Postal Zip Code D XXXX XXXX Reporter Telephone Number XXXX XXXX Data Reporter Identification NumbeXXXX XXXX XXXX^ Item 's Subscriber Number XXXX XXXXXXXX Activity Date XXXX XXXXXXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : XXXX XXXX Scheduled Monthly Payment Amount : XXXX XXXX Account Terms Frequency : XXXX XXXX Account Terms Length : XXXX XXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : Q ^NTCU^ Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : D XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : XXXX Account Status Information : ^NTCU^ Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : XXXX CAP XXXX AUTO XXXX XXXX XXXX V Installment Account Auto Loan -- XXXX XXXX XXXX XXXX XXXX XXXX- M XXXX XXXX V -- M Closed -XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Closed Paid Closed Paid Closed Paid Loan Current N/A Unknown N/A Page XXXX ^XXXX^ Date of Account Information : XXXX XXXX XXXX XXXX : Q XXXX Account Dispute Status : ^XXXX^ Date Last Verified : XXXX XXXX Creditor Remarks : XXXX Two-Year Payment History N/A N/A Account not disputed XXXX XXXX XXXX XXXX XXXX Account not disputed N/A Account was in dispute - now resolved - reported by subscriber.
N/A N/A Account not disputed N/A Closed or paid account/zero balance XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UUUU Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards XXXX of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( XXXX ) of claim ( XXXX ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : As for the item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for Equifax are XXXX, XXXX, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent!
As for the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for Equifax are XXXX, XXXX, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent!
In regard to item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is XXXX, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin XXXX non for compliant reporting and as such are XXXX or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability!
Bearing attention to the item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX XXXX for Equifax and as XXXX is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry XXXX XXXX XXXX XXXX XXXX Format XXXX, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
As for the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax are XXXX, XXXX, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent!
Page XXXX In regard to item questioned above, Account XXXX XXXX reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict!
In regard to item questioned above, Data Reporter Name reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such are XXXX or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report.
As for the item questioned above, Data XXXX XXXX Address reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax are XXXX, XXXX, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent!
In cognizance to the item questioned above, Data Reporter Telephone Number reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
XXXX XXXX XXXX XXXX XXXX Reporter Name XXXX XXXX XXXX XXXX XXXX Address D XXXX Data Reporter City, State, and Postal XXXX Code D XXXX Data Reporter Telephone Number D XXXX Data Reporter Identification Number D ^NTCU^ Item 's Subscriber Number U XXXX Activity Date D XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type-Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : D XXXX Scheduled Monthly Payment Amount : U XXXX Account Terms Frequency : U XXXX Account Terms Length : U XXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : Q ^NTCU^ Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : D XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : ^NTCU^ Account Status Information : XXXX XXXX XXXX XXXX & amp ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX -M -M XXXX?
- XXXX XXXX Equifax XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -M XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -M -M XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX Derogatory -M XXXX? XXXX Individual -M Derogatory Derogatory -M Page XXXX ^NTCU^ Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : ^NTCU^ Date of Account Information : XXXX XXXX XXXX XXXX : Q XXXX Account Dispute Status : ^NTCU^ Date Last Verified : XXXX XXXX XXXX Creditor Remarks : -M XXXX Two-Year Payment History XXXX XXXX Equifax Derogatory Derogatory -M Collection/Chargeoff Collection/Chargeoff -M N/A N/A N/A N/A N/A N/A N/A N/A N/A Account not disputed Account not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( XXXX ) of claim ( XXXX ) are XXXX true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for Equifax and as such are XXXX or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report.
In cognizance to the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
Bearing attention to the item questioned above, Balance reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
In cognizance to the item questioned above, Date of Last Payment reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
In cognizance to the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
In regard to item questioned above, Account XXXX XXXX reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such are XXXX or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report.
In cognizance to the item questioned above, Data Reporter Name reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! In cognizance to the item questioned above, Data XXXX XXXX Address reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
In regard to item questioned above, XXXX XXXX XXXX XXXX reported
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09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Georgia XXXX ****To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis- information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ).
( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( XXXX ).
( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ).
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ).
( XXXX ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( XXXX ).
( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ).
( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( XXXX ).
Destination of my Consumer Complaint is Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Consumer letter to PHYSICALLY CHECK for replete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully undoubted, CORRECT, Complete, TIMELY, and or elsewise VALID as recorded and additionally as mandatory ensure that any injurious claim is PERFECT and Complete in its CERTIFIED METRO XXXX XXXX REPORTING COMPLIANCE! Compliant reporting of ONLY authentic ACCURATE entire VERIFIABLY VALID and CERTIFIED as such is a MINIMAL necessarily of lawful reporting NOT AN OPTIONAL ONE! I as well use this notification to contest ignorant or elsewise with deviation ( XXXX ) allegations regardless of reason of dereliction. My document here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( XXXX ) reality of collect- ability or not!
To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( XXXX ) versus me, particularly if currently announced item ( XXXX ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified XXXX XXXX format reporting standard ( XXXX ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( XXXX ) and or debt ( XXXX ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( XXXX ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile Page XXXX history by eradication and or removal from reporting the delinquently divulged item ( XXXX ) of : Consumer 's Primary Name XXXX XXXX XXXX REMOVE the display reported Consumer 's XXXX Names ( XXXX ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Former Names is XXXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
REMOVE the display reported Consumer 's Other Names ( XXXX ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Other Names is XXXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Current Residence : XXXX XXXX XXXX XXXX GA XXXX Personal Identifier Information -TXE PRSL XXXX Consumer 's Current Residence : D XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX REMOVE the display reported Consumer 's Current Residence ( XXXX ) of XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Consumer 's Reported Employer ( XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TECHNOLOGIES XXXX XXXX Equifax REMOVE the display reported Consumer 's Reported Employers ( XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Reported Employers is XXXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Birth Year : XXXX XXXX XXXX Consumer 's Birth Year : XXXX XXXX XXXX XXXX Equifax XXXX Consumer 's Birth Year : D XXXX I XXXX I XXXX XXXX Page XXXX REMOVE the display reported Consumer 's Birth Year ( XXXX ) of XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format HRCF Header Record ... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX essentially stands for Not XXXX Translated within Cra/and or is Unknown F Equifax XXXX XXXX XXXX Missing but Required Reported XXXX Potential XXXX XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act XXXX Potential Violation CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards XXXX of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict!
As for the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for Equifax are XXXX, XXXX, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent!
Bearing attention to the item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
In regard to item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict!
In cognizance to the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to Page XXXX prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
Bearing attention to the item questioned above, Account Credit Limit reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
In cognizance to the item questioned above, Data Reporter Name reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
As for the item questioned above, Data Reporter Telephone Number reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax are XXXX, XXXX, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX V Revolving Account XXXX XXXX Equifax XXXX XXXX Reporter Name XXXX XXXX XXXX XXXX XXXX Address D XXXX Data Reporter City, State, and Postal Zip XXXX D XXXX Data Reporter Telephone Number D XXXX Data Reporter Identification Number D ^NTCU^ Item 's Subscriber Number U XXXX Activity Date D XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : D XXXX Scheduled Monthly Payment Amount : U XXXX Account Terms Frequency : U XXXX Account Terms Length : U XXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : D XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, UT, XXXX XXXX XXXX XXXX XXXX V Revolving Account Credit Card -- M XXXX V -- M XXXX XXXX XXXX V -- M Paid XXXX -- M XXXX Individual Credit Card Credit Card XXXX XXXX XXXX XXXX M XXXX XXXX XXXX -- XXXX Paid XXXX -- M XXXX Individual Credit Card V V XXXX XXXX XXXX XXXX XXXX XXXX XXXX V Revolving Account -- M -- M XXXX V -- XXXX XXXX XXXX XXXX XXXX V -- M Paid -- M -- M XXXX Individual -- M Page XXXX XXXX Account XXXX XXXX XXXX Account Status Information : ^NTCU^ Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : ^NTCU^ Date of Account Information : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX Account Dispute Status : ^NTCU^ Date Last Verified : XXXX XXXX Creditor Remarks : XXXX Two-Year Payment History Paid Paid Paid Current N/A N/A N/A Account not disputed N/A - M Paid Paid Paid Current N/A N/A N/A Account not disputed N/A - M Paid Paid Paid Current N/A N/A N/A Account not disputed N/A Closed or paid account/zero balance XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCCCCCCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCCCCCCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCCCCCCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCCCCCCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCCCCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UCCCCCCCCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCCCCCCC XXXX XXXX XXXX XXXX XXXX CCCCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UUUU Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without XXXX THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( XXXX ) of XXXX ( XXXX ) are factually true, correct, complete XXXX timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for Equifax and as such are XXXX or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report.
Bearing attention to the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
In cognizance to the item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
In regard to item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX for Equifax and as such is XXXX, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin XXXX non for compliant reporting and as such are XXXX or more assertedly deficient of its exigency of reporting Page XXXX aptitude, sufficiency, and or amenability!
In cognizance to the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized Metro 2 Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
Bearing attention to the item questioned above, Account XXXX XXXX reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
In regard to item questioned above, Data Reporter Name reported as XXXX XXXX for XXXX, XXXX XXXX for XXXX,- for Equifax and as such is XXXX, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin XXXX non for compliant reporting and as such are XXXX or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability!
In regard to item questioned above, Data Reporter Telephone Number reported as XXXX for XXXX, XXXX for XXXX,- for Equifax and as such are XXXX or more seemingly deficient of its exigency of reporting
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04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter is to serve as a formal dispute regarding inaccurate information contained
within my credit report file with your agency.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am requesting that the items be blocked and removed, to correct the information
contained within my credit report file.
Please be advised that your investigation process, was improperly executed upon my
challenges for dispute where denied. With no proper furnishing of validation of debts.
Also please see attached law on consumer reporting procedures
If you have any questions, or require additional information, please contact me during the
day at (XXXX)
Sincerely,
(XXXX XXXX XXXX)
15 USC 1681a: Definitions; rules of construction Text contains those laws in effect on XXXX XXXX XXXX From Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER
CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING AGENCIES Jump
To: Source Credit Miscellaneous References In Text Amendments Effective Date
1681a. Definitions; rules of construction (a) Definitions and rules of construction set
forth in this section are applicable for the purposes of this subchapter. (b) The term
"person" means any individual, partnership, corporation, trust, estate, cooperative,
association, government or governmental subdivision or agency, or other entity. (c) The
term "consumer" means an individual. (d) Consumer Report.- (1) In general.-The term
"consumer report" means any written, oral, or other communication of any information
by a consumer reporting agency bearing on a consumer's credit worthiness, credit
standing, credit capacity, character, general reputation, personal characteristics, or mode
of living which is used or expected to be used or collected in whole or in part for the
purpose of serving as a factor in establishing the consumer's eligibility for- (A) credit or
insurance to be used primarily for personal, family, or household purposes; (B)
employment purposes; or (C) any other purpose authorized under section 1681b of this
title. (2) Exclusions.-Except as provided in paragraph (3), the term "consumer report"
does not include- (A) subject to section 1681s3 of this title, any- (i) report containing
information solely as to transactions or experiences between the consumer and the person
making the report; (ii) communication of that information among persons related by
common ownership or affiliated by corporate control; or (iii) communication of other
information among persons related by common ownership or affiliated by corporate
control, if it is clearly and conspicuously disclosed to the consumer that the information
may be communicated among such persons and the consumer is given the opportunity,
before the time that the information is initially communicated, to direct that such
information not be communicated among such persons; (B) any authorization or approval
of a specific extension of credit directly or indirectly by the issuer of a credit card or
similar device; (C) any report in which a person who has been requested by a third party
to make a specific extension of credit directly or indirectly to a consumer conveys his or
her decision with respect to such request, if the third party advises the consumer of the
name and address of the person to whom the request was made, and such person makes
the disclosures to the consumer required under section 1681m of this title; or (D) a
communication described in subsection (o) or (x).1 (3) Restriction on sharing of medical
information.-Except for information or any communication of information disclosed as
provided in section 1681b(g)(3) of this title, the exclusions in paragraph (2) shall not
apply with respect to information disclosed to any person related by common ownership
or affiliated by corporate control, if the information is- (A) medical information; (B) an
individualized list or description based on the payment transactions of the consumer for
medical products or services; or (C) an aggregate list of identified consumers based on
payment transactions for medical products or services. (e) The term "investigative
consumer report" means a consumer report or portion thereof in which information on a
consumer's character, general reputation, personal characteristics, or mode of living is
obtained through personal interviews with neighbors, friends, or associates of the
consumer reported on or with others with whom he is acquainted or who may have
knowledge concerning any such items of information. However, such information shall
not include specific factual information on a consumer's credit record obtained directly
from a creditor of the consumer or from a consumer reporting agency when such
information was obtained directly from a creditor of the consumer or from the consumer.
(f) The term "consumer reporting agency" means any person which, for monetary fees,
dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the
practice of assembling or evaluating consumer credit information or other information on
consumers for the purpose of furnishing consumer reports to third parties, and which uses
any means or facility of interstate commerce for the purpose of preparing or furnishing
consumer reports. (g) The term "file", when used in connection with information on any
consumer, means all of the information on that consumer recorded and retained by a
consumer reporting agency regardless of how the information is stored. (h) The term
"employment purposes" when used in connection with a consumer report means a report
used for the purpose of evaluating a consumer for employment, promotion, reassignment
or retention as an employee. (i) Medical Information.-The term "medical information"-
(1) means information or data, whether oral or recorded, in any form or medium, created
by or derived from a health care provider or the consumer, that relates to- (A) the past,
present, or future physical, mental, or behavioral health or condition of an individual; (B)
the provision of health care to an individual; or (C) the payment for the provision of
health care to an individual.2 (2) does not include the age or gender of a consumer,
demographic information about the consumer, including a consumer's residence address
or e-mail address, or any other information about a consumer that does not relate to the
physical, mental, or behavioral health or condition of a consumer, including the existence
or value of any insurance policy. (j) Definitions Relating to Child Support Obligations.-
(1) Overdue support.-The term "overdue support" has the meaning given to such term in
section 666(e) of title 42. (2) State or local child support enforcement agency.-The term
"State or local child support enforcement agency" means a State or local agency which
administers a State or local program for establishing and enforcing child support
obligations. (k) Adverse Action.- (1) Actions included.-The term "adverse action"- (A)
has the same meaning as in section 1691(d)(6) of this title; and (B) means- (i) a denial or
cancellation of, an increase in any charge for, or a reduction or other adverse or
unfavorable change in the terms of coverage or amount of, any insurance, existing or
applied for, in connection with the underwriting of insurance; (ii) a denial of employment
or any other decision for employment purposes that adversely affects any current or
prospective employee; (iii) a denial or cancellation of, an increase in any charge for, or
any other adverse or unfavorable change in the terms of, any license or benefit described
in section 1681b(a)(3)(D) of this title; and (iv) an action taken or determination that is- (I)
made in connection with an application that was made by, or a transaction that was
initiated by, any consumer, or in connection with a review of an account under section
1681b(a)(3)(F)(ii) of this title; and (II) adverse to the interests of the consumer. (2)
Applicable findings, decisions, commentary, and orders.-For purposes of any
determination of whether an action is an adverse action under paragraph (1)(A), all
appropriate final findings, decisions, commentary, and orders issued under section
1691(d)(6) of this title by the Bureau or any court shall apply. (l) Firm Offer of Credit or
Insurance.-The term "firm offer of credit or insurance" means any offer of credit or
insurance to a consumer that will be honored if the consumer is determined, based on
information in a consumer report on the consumer, to meet the specific criteria used to
select the consumer for the offer, except that the offer may be further conditioned on one
or more of the following: (1) The consumer being determined, based on information in
the consumer's application for the credit or insurance, to meet specific criteria bearing on
credit worthiness or insurability, as applicable, that are established- (A) before selection
of the consumer for the offer; and (B) for the purpose of determining whether to extend
credit or insurance pursuant to the offer. (2) Verification- (A) that the consumer continues
to meet the specific criteria used to select the consumer for the offer, by using
information in a consumer report on the consumer, information in the consumer's
application for the credit or insurance, or other information bearing on the credit
worthiness or insurability of the consumer; or (B) of the information in the consumer's
application for the credit or insurance, to determine that the consumer meets the specific
criteria bearing on credit worthiness or insurability. (3) The consumer furnishing any
collateral that is a requirement for the extension of the credit or insurance that was- (A)
established before selection of the consumer for the offer of credit or insurance; and (B)
disclosed to the consumer in the offer of credit or insurance. (m) Credit or Insurance
Transaction That Is Not Initiated by the Consumer.-The term "credit or insurance
transaction that is not initiated by the consumer" does not include the use of a consumer
report by a person with which the consumer has an account or insurance policy, for
purposes of- (1) reviewing the account or insurance policy; or (2) collecting the account.
(n) State.-The term "State" means any State, the Commonwealth of Puerto Rico, the
District of Columbia, and any territory or possession of the United States. (o) Excluded
Communications.-A communication is described in this subsection if it is a
communication- (1) that, but for subsection (d)(2)(D), would be an investigative
consumer report; (2) that is made to a prospective employer for the purpose of- (A)
procuring an employee for the employer; or (B) procuring an opportunity for a natural
person to work for the employer; (3) that is made by a person who regularly performs
such procurement; (4) that is not used by any person for any purpose other than a purpose
described in subparagraph (A) or (B) of paragraph (2); and (5) with respect to which- (A)
the consumer who is the subject of the communication- (i) consents orally or in writing to
the nature and scope of the communication, before the collection of any information for
the purpose of making the communication; (ii) consents orally or in writing to the making
of the communication to a prospective employer, before the making of the
communication; and (iii) in the case of consent under clause (i) or (ii) given orally, is
provided written confirmation of that consent by the person making the communication,
not later than 3 business days after the receipt of the consent by that person; (B) the
person who makes the communication does not, for the purpose of making the
communication, make any inquiry that if made by a prospective employer of the
consumer who is the subject of the communication would violate any applicable Federal
or State equal employment opportunity law or regulation; and (C) the person who makes
the communication- (i) discloses in writing to the consumer who is the subject of the
communication, not later than 5 business days after receiving any request from the
consumer for such disclosure, the nature and substance of all information in the
consumer's file at the time of the request, except that the sources of any information that
is acquired solely for use in making the communication and is actually used for no other
purpose, need not be disclosed other than under appropriate discovery procedures in any
court of competent jurisdiction in which an action is brought; and (ii) notifies the
consumer who is the subject of the communication, in writing, of the consumer's right to
request the information described in clause (i). (p) Consumer Reporting Agency That
Compiles and Maintains Files on Consumers on a Nationwide Basis.- The term
"consumer reporting agency that compiles and maintains files on consumers on a
nationwide basis" means a consumer reporting agency that regularly engages in the
practice of assembling or evaluating, and maintaining, for the purpose of furnishing
consumer reports to third parties bearing on a consumer's credit worthiness, credit
standing, or credit capacity, each of the following regarding consumers residing
nationwide: (1) Public record information. (2) Credit account information from persons
who furnish that information regularly and in the ordinary course of business. (q)
Definitions Relating to Fraud Alerts.- (1) Active duty military consumer.-The term
"active duty military consumer" means a consumer in military service who- (A) is on
active duty (as defined in section 101(d)(1) of title 10) or is a reservist performing duty
under a call or order to active duty under a provision of law referred to in section
101(a)(13) of title 10; and (B) is assigned to service away from the usual duty station of
the consumer. (2) Fraud alert; active duty alert.-The terms "fraud alert" and "active duty
alert" mean a statement in the file of a consumer that- (A) notifies all prospective users of
a consumer report relating to the consumer that the consumer may be a victim of fraud,
including identity theft, or is an active duty military consumer, as applicable; and (B) is
presented in a manner that facilitates a clear and conspicuous view of the statement
described in subparagraph (A) by any person requesting such consumer report. (3)
Identity theft.-The term "identity theft" means a fraud committed using the identifying
information of another person, subject to such further definition as the Bureau may
prescribe, by regulation. (4) Identity theft report.-The term "identity theft report" has the
meaning given that term by rule of the Bureau, and means, at a minimum, a report- (A)
that alleges an identity theft; (B) that is a copy of an official, valid report filed by a
consumer with an appropriate Federal, State, or local law enforcement agency, including
the United States Postal Inspection Service, or such other government agency deemed
appropriate by the Bureau; and (C) the filing of which subjects the person filing the
report to criminal penalties relating to the filing of false information if, in fact, the
information in the report is false. (5) New credit plan.-The term "new credit plan" means
a new account under an open end credit plan (as defined in section 1602(i) 1 of this title)
or a new credit transaction not under an open end credit plan. (r) Credit and Debit Related
Terms- (1) Card issuer.-The term "card issuer" means- (A) a credit card issuer, in the case
of a credit card; and (B) a debit card issuer, in the case of a debit card. (2) Credit card.-
The term "credit card" has the same meaning as in section 1602 of this title. (3) Debit
card.-The term "debit card" means any card issued by a financial institution to a
consumer for use in initiating an electronic fund transfer from the account of the
consumer at such financial institution, for the purpose of transferring money between
accounts or obtaining money, property, labor, or services. (4) Account and electronic
fund transfer.-The terms "account" and "electronic fund transfer" have the same
meanings as in section 1693a of this title. (5) Credit and creditor.-The terms "credit" and
"creditor" have the same meanings as in section 1691a of this title. (s) Federal Banking
Agency.-The term "Federal banking agency" has the same meaning as in section 1813 of
title 12. (t) Financial Institution.-The term "financial institution" means a State or
National bank, a State or Federal savings and loan association, a mutual savings bank, a
State or Federal credit union, or any other person that, directly or indirectly, holds a
transaction account (as defined in section 461(b) of title 12) belonging to a consumer. (u)
Reseller.-The term "reseller" means a consumer reporting agency that- (1) assembles and
merges information contained in the database of another consumer reporting agency or
multiple consumer reporting agencies concerning any consumer for purposes of
furnishing such information to any third party, to the extent of such activities; and (2)
does not maintain a database of the assembled or merged information from which new
consumer reports are produced. (v) Commission.-The term "Commission" means the
Bureau.3 (w) The term "Bureau" means the Bureau of Consumer Financial Protection. (x)
Nationwide Specialty Consumer Reporting Agency.-The term "nationwide specialty
consumer reporting agency" means a consumer reporting agency that compiles and
maintains files on consumers on a nationwide basis relating to- (1) medical records or
payments; (2) residential or tenant history; (3) check writing history; (4) employment
history; or (5) insurance claims. (y) Exclusion of Certain Communications for Employee
Investigations.- (1) Communications described in this subsection.-A communication is
described in this subsection if- (A) but for subsection (d)(2)(D), the communication
would be a consumer report; (B) the communication is made to an employer in
connection with an investigation of- (i) suspected misconduct relating to employment; or
(ii) compliance with Federal, State, or local laws and regulations, the rules of a selfregulatory organization, or any preexisting written policies of the employer; (C) the
communication is not made for the purpose of investigating a consumer's credit
worthiness, credit standing, or credit capacity; and (D) the communication is not provided
to any person except- (i) to the employer or an agent of the employer; (ii) to any Federal
or State officer, agency, or department, or any officer, agency, or department of a unit of
general local government; (iii) to any self-regulatory organization with regulatory
authority over the activities of the employer or employee; (iv) as otherwise required by
law; or (v) pursuant to section 1681f of this title. (2) Subsequent disclosure.-After taking
any adverse action based in whole or in part on a communication described in paragraph
(1), the employer shall disclose to the consumer a summary containing the nature and
substance of the communication upon which the adverse action is based, except that the
sources of information acquired solely for use in preparing what would be but for
subsection (d)(2)(D) an investigative consumer report need not be disclosed. (3) Selfregulatory organization defined.-For purposes of this subsection, the term "self-regulatory
organization" includes any self-regulatory organization (as defined in section 78c(a)(26)
of this title), any entity established under title I of the Sarbanes-Oxley Act of 2002 [15
U.S.C. 7211 et seq.], any board of trade designated by the Commodity Futures Trading
Commission, and any futures association registered with such Commission. (z) Veteran.-
The term "veteran" has the meaning given the term in section 101 of title 38. (aa)
Veteran's Medical Debt.-The term "veteran's medical debt"- (1) means a medical
collection debt of a veteran owed to a non-Department of Veterans Affairs health care
provider that was submitted to the Department for payment for health care authorized by
the Department of Veterans Affairs; and (2) includes medical collection debt that the
Department of Veterans Affairs has wrongfully charged a veteran. (Pub. L. 90321, title
VI, 603, as added Pub. L. 91508, title VI, 601, XXXX. 26, 1970, 84 Stat. 1128 ; amended
Pub. L. 102537, 2(b), XXXX. 27, 1992, 106 Stat. 3531 ; Pub. L. 104208, div. A, title II,
2402, XXXX. 30, 1996, 110 Stat. 3009 426 ; Pub. L. 105347, 6(1)(3), XXXX. 2, 1998,
112 Stat. 3211 ; Pub. L. 108159, title I, 111, title II, 214(c)(1), title IV, 411(b), (c),
title VI, 611, Dec. 4, 2003, 117 Stat. 1954 , 1983, 2001, 2010; Pub. L. 111203, title X,
1088(a)(1), (2)(A), (C), (3), July 21, 2010, 124 Stat. 2086 , 2087; Pub. L. 115174, title
III, 302(b)(1), May 24, 2018, 132 Stat. 1333 .) Editorial Notes References in Text
Subsection (x) of this section, referred to in subsec. (d)(2)(D), was redesignated
subsection (y) of this section by Pub. L. 111203, title X, 1088(a)(1), July 21, 2010, 124
Stat. 2086 . Section 1602(i) of this title, referred to in subsec. (q)(5), was redesignated
section 1602(j) of this title by Pub. L. 111203, title X, 1100A(1)(A), July 21, 2010, 124
Stat. 2107 . The Sarbanes-Oxley Act of 2002, referred to in subsec. (y)(3), is Pub. L.
107204, July 30, 2002, 116 Stat. 745 . Title I of the Act is classified principally to
subchapter I (7211 et seq.) of chapter 98 of this title. For complete classification of this
Act to the Code, see Short Title note set out under section 7201 of this title and Tables.
Amendments 2018-Subsecs. (z), (aa). Pub. L. 115174 added subsecs. (z) and (aa). 2010-
Subsec. (k)(2). Pub. L. 111203, 1088(a)(3), substituted "Bureau" for "Board of
Governors of the Federal Reserve System". Subsec. (q)(3), (4). Pub. L. 111203,
1088(a)(2)(C), substituted "the Bureau" for "the Commission" wherever appearing.
Subsec. (v). Pub. L. 111203, 1088(a)(2)(A), substituted "Bureau" for "Federal Trade
Commission". Subsecs. (w) to (y). Pub. L. 111203, 1088(a)(1), added subsec. (w) and
redesignated former subsecs. (w) and (x) as (x) and (y), respectively. 2003-Subsec.
(d)(2). Pub. L. 108159, 411(b)(1), substituted "Except as provided in paragraph (3), the
term" for "The term" in introductory provisions. Subsec. (d)(2)(A). Pub. L. 108159,
214(c)(1), inserted "subject to section 1681s3 of this title," after "(A)" in introductory
provisions. Subsec. (d)(2)(D). Pub. L. 108159, 611(b), inserted "or (x)" after
"subsection (o)". Subsec. (d)(3). Pub. L. 108159, 411(b)(2), added par. (3). Subsec. (i).
Pub. L. 108159, 411(c), inserted heading and amended text of subsec. (i) generally.
Prior to amendment, text read as follows: "The term 'medical information' means
information or records obtained, with the consent of the individual to whom it relates,
from licensed physicians or medical practitioners, hospitals, clinics, or other medical or
medically related facilities." Subsecs. (q) to (w). Pub. L. 108159, 111, added subsecs.
(q) to (w). Subsec. (x). Pub. L. 108159, 611(a), added subsec. (x). 1998-Subsec.
(d)(2)(A)(iii). Pub. L. 105347, 6(1), struck out "any" before "communication of other".
Subsec. (o)(1). Pub. L. 105347, 6(2), substituted "(d)(2)(D)" for "(d)(2)(E)". Subsec.
(o)(4). Pub. L. 105347, 6(3), substituted "and" for "or" at end. 1996-Subsec. (d). Pub.
L. 104208, 2402(e), inserted subsec. heading, designated existing provisions as par. (1)
and inserted heading, redesignated cls. (1) to (3) as subpars. (A) to (C), respectively,
added par. (2), and struck out at end "The term does not include (A) any report containing
information solely as to transactions or experiences between the consumer and the person
making the report; (B) any authorization or approval of a specific extension of credit
directly or indirectly by the issuer of a credit card or similar device; or (C) any report in
which a person who has been requested by a third party to make a specific extension of
credit directly or indirectly to a consumer conveys his decision with respect to such
request, if the third party advises the consumer of the name and address of the person to
whom the request was made and such person makes the disclosures to the consumer
required under section 1681m of this title." Subsec. (k). Pub. L. 104208, 2402(a),
added subsec. (k). Subsec. (l). Pub. L. 104208, 2402(b), added subsec. (l). Subsec. (m).
Pub. L. 104208, 2402(c), added subsec. (m). Subsec. (n). Pub. L. 104208, 2402(d),
added subsec. (n). Subsec. (o). Pub. L. 104208, 2402(f), added subsec. (o). Subsec. (p).
Pub. L. 104208, 2402(g), added subsec. (p). 1992-Subsec. (j). Pub. L. 102537 added
subsec. (j). Statutory Notes and Related Subsidiaries Effective Date of 2018 Amendment
Pub. L. 115174, title III, 302(e), May 24, 2018, 132 Stat. 1335 , provided that: "The
amendments made by this section [amending this section and sections 1681c, 1681c1,
1681i, and 1681t of this title and enacting provisions set out as a note under section
1681c of this title] shall take effect on the date that is 1 year after the date of enactment of
this Act [May 24, 2018]." Effective Date of 2010 Amendment Amendment by Pub. L.
111203 effective on the designated transfer date, see section 1100H of Pub. L. 111203,
set out as a note under section 552a of Title 5, Government Organization and Employees.
Effective Date of 2003 Amendment Amendment by Pub. L. 108159 subject to joint
regulations establishing effective dates as prescribed by Federal Reserve Board and
Federal Trade Commission, except as otherwise provided, see section 3 of Pub. L. 108
159, set out as a note under section 1681 of this title. Pub. L. 108159, title IV, 411(d),
Dec. 4, 2003, 117 Stat. 2002 , provided that: "This section [amending this section and
section 1681b of this title] shall take effect at the end of the 180-day period beginning on
the date of enactment of this Act [Dec. 4, 2003], except that paragraph (2) of section
604(g) of the Fair Credit Reporting Act [15 U.S.C. 1681b(g)(2)] (as amended by
subsection (a) of this section) shall take effect on the later of- "(1) the end of the 90-day
period beginning on the date on which the regulations required under paragraph (5)(B) of
such section 604(g) are issued in final form; or "(2) the date specified in the regulations
referred to in paragraph (1)." Effective Date of 1998 Amendment Pub. L. 105347, 7,
XXXX. 2, 1998, 112 Stat. 3211 , provided that: "The amendments made by this Act
[amending this section and sections 1681b, 1681c, 1681g, 1681i, 1681k, and 1681s of
this title] shall be deemed to have the same effective date [see section 2420 of Pub. L.
104208, set out as a note below] as the amendments made by section 2403 of the
Consumer Credit Reporting Reform Act of 1996 (Public Law 104208; 110 Stat. 3009
1257 [3009430]) [amending section 1681b of this title]." Effective Date of 1996
Amendment Pub. L. 104208, div. A, title II, 2420, XXXX. 30, 1996, 110 Stat. 3009454 ,
provided that: "(a) In General.-Except as otherwise specifically provided in this chapter
[chapter 1 (24012422) of subtitle D of title II of div. A of Pub. L. 104208, see Short
Title of 1996 Amendment note set out under section 1601 of this title], the amendments
made by this chapter shall become effective 365 days after the date of enactment of this
Act [XXXX. 30, 1996]. "(b) Early Compliance.-Any person or other entity that is subject to
the requirements of this chapter may, at its option, comply with any provision of this
chapter before the date on which that provision becomes effective under this chapter, in
which case, each of the corresponding provisions of this chapter shall be fully applicable
to such person or entity." Effective Date of 1992 Amendment Pub. L. 102537, 2(d),
XXXX. 27, 1992, 106 Stat. 3532 , provided that: "The amendments made by this section
[enacting section 1681s1 of this title and amending this section] shall take effect on
XXXX 1, 1993." Effective Date Section effective upon the expiration of one hundred
and eighty days following XXXX. 26, 1970, see section 504(d) of Pub. L. 90321, as added
by Pub. L. 91508, set out as a note under section 1681 of this title. Construction of 1996
Amendment Pub. L. 104208, div. A, title II, 2421, XXXX. 30, 1996, 110 Stat. 3009454 ,
provided that: "Nothing in this chapter [chapter 1 (24012422) of subtitle D of title II
of div. A of Pub. L. 104208, see Short Title of 1996 Amendment note set out under
section 1601 of this title] or the amendments made by this chapter shall be considered to
supersede or otherwise affect section 2721 of title 18, United States Code, with respect to
motor vehicle records for surveys, marketing, or solicitations." 1 See References in Text
n
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07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I, XXXX XXXX, consumer, one natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 3. Account Name : XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 4. Account Name : XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 5. Account Name : XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 7. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 9. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 10. Account Name XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 11. Account Name : XXXX Account Number : XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 12. Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 13. Account Name : XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 14. Account Name : XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) Who certified that this information is true and accurate? 15 U.S. Code 1681a - Definitions ; rules of construction a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. ( 2 ) Applicable findings, decisions, commentary, and orders. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. ( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. ( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. ( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance. ( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account. ( n ) State. The term State means any State, the Commonwealth of Puerto Rico, the District of Columbia, and any territory or possession of the United States. ( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than XXXX business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ). ( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information. ( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business. ( q ) Definitions Relating to Fraud Alerts. ( 1 ) Active duty military consumer.The term active duty military consumer means a consumer in military service who ( A ) is on active duty ( as defined in section 101 ( d ) ( 1 ) of title 10 ) or is a reservist performing duty under a call or order to active duty under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10 ; and ( B ) is assigned to service away from the usual duty station of the consumer. ( 2 ) Fraud alert ; active duty alert.The terms fraud alert and active duty alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer may be a victim of fraud, including identity theft, or is an active duty military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report. ( XXXX ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. ( 4 ) Identity theft report.The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ( 5 ) New credit plan. The term new credit plan means a new account under an open end credit plan ( as defined in section 1602 ( i ) 1 of this title ) or a new credit transaction not under an open end credit plan. ( r ) Credit and Debit Related Terms ( 1 ) Card issuer.The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card. ( 2 ) Credit card. The term credit card has the same meaning as in section 1602 of this title. ( 3 ) Debit card. The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. ( 4 ) Account and electronic fund transfer. The terms account and electronic fund transfer have the same meanings as in section 1693a of this title. ( 5 ) Credit and creditor. The terms credit and creditor have the same meanings as in section 1691a of this title. ( s ) Federal Banking Agency. The term Federal banking agency has the same meaning as in section 1813 of title 12. ( t ) Financial Institution. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v ) Commission. The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection. ( x ) Nationwide Specialty Consumer Reporting Agency.The term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims. ( y ) Exclusion of Certain Communications for Employee Investigations. ( 1 ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 1681f of this title. ( 2 ) Subsequent disclosure. After taking any adverse action based in whole or in part on a communication described in paragraph ( 1 ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( 2 ) ( D ) an investigative consumer report need not be disclosed. ( 3 ) Self-regulatory organization defined. For purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section 78c ( a ) ( 26 ) of this title ), any entity established under title I of the Sarbanes-Oxley Act of 2002 [ 15 U.S.C. 7211 et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission. ( z ) Veteran. The term veteran has the meaning given the term in section 101 of title 38. ( aa ) Veterans Medical Debt.The term veterans medical debt ( 1 ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the Department of Veterans Affairs ; and ( 2 ) includes medical collection debt that the Department of Veterans Affairs has wrongfully charged a veteran. ( Pub. L. 90321, title VI, 603, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128 ; amended Pub. L. 102537, 2 ( b ), Oct. 27, 1992, 106 Stat. 3531 ; Pub. L. 104208, div. A, title II, 2402, Sept. 30, 1996, 110 Stat. 3009426 ; Pub. L. 105347, 6 ( 1 ) ( 3 ), Nov. 2, 1998, 112 Stat. 3211 ; Pub. L. 108159, title I, 111, title II, 214 ( c ) ( 1 ), title IV, 411 ( b ), ( c ), title VI, 611, Dec. 4, 2003, 117 Stat. 1954, 1983, 2001, 2010 ; Pub. L. 111203, title X, 1088 ( a ) ( 1 ), ( 2 ) ( A ), ( C ), ( 3 ), July 21, 2010, 124 Stat. 2086, 2087 ; Pub. L. 115174, title III, 302 ( b ) ( 1 ), May 24, 2018, 132 Stat. 1333. ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX ( COLLECTION AGENCY : Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX - XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX FI ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name is XXXX XXXX XXXX. Attached is my drivers license and utility bill are attached for identification.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required underSection 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
PROVIDING AN ACCURATE CREDIT SCORE ( I HAVE NOT BE ABLE TO OBTAIN A VALID CREDIT SCORE IN OVER 60 DAYS FROM YOUR COMPANY OR ANY OTHER BUREAU AND I PAY A MONTHLY MEMBERSHIP WITH YOUR COMPANY ) Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are Either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
This is the second time this account has been removed and re-placed on my account. This company is making up account numbers and false information each time to report on my credit from debt buyers. This is purchased unverifiable debt and its not my debt. Block this company from continuation of damages that are being caused to me with your allowance. This company performs illegal practices.
4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXXXXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX Account Number : XXXX This is the second time this account has been removed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
19. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
20. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
21. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
22. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
23. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
24. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
25. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
26. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
27. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
28. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
29. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
30. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
31. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
32. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
33. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
34. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
35. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
36. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
37. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
38. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate..
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
39. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
40. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
41. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
42. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
43. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
44. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
45. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
46. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
47. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. This is also the CARES Act Violation no late payments during the COVID-19 crisis.
XXXX XXXX XXXX Account Number : XXXX Remove inaccurate reported late payments.
48. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. This is also the CARES Act Violation no late payments during the COVID-19 crisis.
XXXX XXXX XXXX Account Number : XXXX Remove inaccurate reported late payments.
49. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
50. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
51. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
52. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
53. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
54. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
55. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
56. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
57. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
58. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
59. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
60. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
61. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
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04/19/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, and XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I, XXXX XXXX, consumer, one natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name XXXX XXXX XXXX XXXXXXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) Who certified that this information is true and accurate? 15 U.S. Code 1681a - Definitions ; rules of construction a ) Definitions and rules of construction set forth in this section are applicable for the purposes
of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. ( 2 ) Applicable findings, decisions, commentary, and orders. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. ( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. ( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. ( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance. ( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account. ( n ) State. The term State means any State, the Commonwealth of Puerto Rico, the District of Columbia, and any territory or possession of the United States. ( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ). ( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information. ( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business. ( q ) Definitions Relating to Fraud Alerts. ( 1 ) Active duty military consumer.The term active duty military consumer means a consumer in military service who ( A ) is on active duty ( as defined in section 101 ( d ) ( 1 ) of title 10 ) or is a reservist performing duty under a call or order to active duty under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10 ; and ( B ) is assigned to service away from the usual duty station of the consumer. ( 2 ) Fraud alert ; active duty alert.The terms fraud alert and active duty alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer may be a victim of fraud, including identity theft, or is an active duty military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. ( 4 ) Identity theft report.The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ( 5 ) New credit plan. The term new credit plan means a new account under an open end credit plan ( as defined in section 1602 ( i ) 1 of this title ) or a new credit transaction not under an open end credit plan. ( r ) Credit and Debit Related Terms ( 1 ) Card issuer.The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card. ( 2 ) Credit card. The term credit card has the same meaning as in section 1602 of this title. ( 3 ) Debit card. The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. ( 4 ) Account and electronic fund transfer. The terms account and electronic fund transfer have the same meanings as in section 1693a of this title. ( 5 ) Credit and creditor. The terms credit and creditor have the same meanings as in section 1691a of this title. ( s ) Federal Banking Agency. The term Federal banking agency has the same meaning as in section 1813 of title 12. ( t ) Financial Institution. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v ) Commission. The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection. ( x ) Nationwide Specialty Consumer Reporting Agency.The term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims. ( y ) Exclusion of Certain Communications for Employee Investigations. ( 1 ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 1681f of this title. ( 2 ) Subsequent disclosure. After taking any adverse action based in whole or in part on a communication described in paragraph ( 1 ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( 2 ) ( D ) an investigative consumer report need not be disclosed. ( 3 ) Self-regulatory organization defined. For purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section 78c ( a ) ( 26 ) of this title ), any entity established under title I of the Sarbanes-Oxley Act of 2002 [ 15 U.S.C. 7211 et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission. ( z ) Veteran. The term veteran has the meaning given the term in section 101 of title 38. ( aa ) Veterans Medical Debt.The term veterans medical debt ( 1 ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the Department of Veterans Affairs ; and ( 2 ) includes medical collection debt that the Department of Veterans Affairs has wrongfully charged a veteran. ( Pub. L. 90321, title VI, 603, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128 ; amended Pub. L. 102537, 2 ( b ), Oct. 27, 1992, 106 Stat. 3531 ; Pub. L. 104208, div. A, title II, 2402, Sept. 30, 1996, 110 Stat. 3009426 ; Pub. L. 105347, 6 ( 1 ) ( 3 ), Nov. 2, 1998, 112 Stat. 3211 ; Pub. L. 108159, title I, 111, title II, 214 ( c ) ( 1 ), title IV, 411 ( b ), ( c ), title VI, 611, Dec. 4, 2003, 117 Stat. 1954, 1983, 2001, 2010 ; Pub. L. 111203, title X, 1088 ( a ) ( 1 ), ( 2 ) ( A ), ( C ), ( 3 ), July 21, 2010, 124 Stat. 2086, 2087 ; Pub. L. 115174, title III, 302 ( b ) ( 1 ), May 24, 2018, 132 Stat. 1333. )
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09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This organization is in violation of the following laws : 15 Usc 1681 which states- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
12 CFR 1016.7 which states- ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 1016.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 1016.4 of this part, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships in the case of financial institutions other than credit unions and covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( d ), you is limited to financial institutions other than credit unions and financial institutions described in 1016.3 ( l ) ( 3 ) of this part.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint checking account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so : ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( e ) Joint relationships in the case of credit unions.
( 1 ) If two or more consumers jointly obtain a financial product or service, other than a loan, from a credit union, the credit union may provide only a single opt out notice. The opt out notice must explain how the credit union will treat an opt out direction by a joint consumer ( as explained in the examples in paragraph ( e ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. A credit union may either : ( i ) Treat an opt out direction by a joint consumer to apply to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If a credit union permits each joint consumer to opt out separately, the credit union must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) A credit union may not require all joint consumers to opt out before the credit union implements any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint share account with a credit union and arrange for the credit union to send statements to XXXX 's address, the credit union may do any of the following, but it must explain in its opt out notice which opt out policy it will follow : ( i ) Send a single opt out notice to XXXX 's address, but it must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If it does so, and XXXX opts out, it may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit John and XXXX to make different opt out directions. If it does so, and if XXXX and XXXX both opt out, it must permit one or both of them to notify it in a single response ( such as on a form or through a telephone call ).
( 6 ) Special rule for loans.
( i ) A credit union is required to provide an initial opt out notice to a borrower or guarantor on a loan if it shares his or her nonpublic personal information with nonaffiliated third parties other than for purposes under 1016.13, 1016.14, and 1016.15.
( ii ) A credit union may satisfy its annual opt out notice requirement by providing one notice to those borrowers and guarantors jointly.
( f ) Joint relationships in the case of covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( f ), you is limited to the financial institutions described in 1016.3 ( l ) ( 3 ).
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( f ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXXXXXX XXXX opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so : ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( j ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 1016.9 of this part.
( k ) Model privacy form. Pursuant to 1016.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in the appendix to this part.
15 USC 1681e which states ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
15 USC 1681c which states ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.
( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
( b ) Exempted cases The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more.
( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
( 2 ) Effective date Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after XX/XX/XXXX.
( d ) Information required to be disclosed ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.
( 2 ) Key factor in credit score information Any consumer reporting agency that furnishes a consumer report that contains any credit score or any other risk score or predictor on any consumer shall include in the report a clear and conspicuous statement that a key factor ( as defined in section 1681g ( f ) ( 2 ) ( B ) of this title ) that adversely affected such score or predictor was the number of enquiries, if such a predictor was in fact a key factor that adversely affected such score. This paragraph shall not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, but only to the extent that such company is engaged in such activities.
( e ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account.
( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.
( g ) Truncation of credit card and debit card numbers ( 1 ) In general Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last 5 digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction.
( 2 ) Limitation This subsection shall apply only to receipts that are electronically printed, and shall not apply to transactions in which the sole means of recording a credit card or debit card account number is by handwriting or by an imprint or copy of the card.
( 3 ) Effective date This subsection shall become effective ( A ) 3 years after XX/XX/XXXX, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is in use before XX/XX/XXXX ; and ( B ) 1 year after XX/XX/XXXX, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is first put into use on or after XX/XX/XXXX.
( h ) Notice of discrepancy in address ( 1 ) In general If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 1681a ( p ) of this title, the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy.
( 2 ) Regulations ( A ) Regulations required The Bureau shall,, [ 2 ] in consultation with the Federal banking agencies, the XXXX XXXX XXXX XXXX, and the Federal Trade Commission,, [ 2 ] prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).
( B ) Policies and procedures to be included The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established.
15 USC 1681s 2 ( A ) 1 Which states - ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 USC 1681C ( a ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 6802 ( b ) ( c ) - the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 USC 1681 section 604 a section 2- allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates 15 USC 6801- ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To : Equifax I should not have to tell you at that transactions and experiences are excluded from consumer reports. I have, however, since XX/XX/2022, been telling you to STOP reporting my transactions and experiences. You can not pick and choose which section of the Fair Credit Reporting Act you want to follow and which section you do not. Pursuant to section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act, you making a report containing my transactions and experiences is a prohibited. I suspect XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax are in collusion with committing securities fraud, money laundering, tax evasion, and extortion.
Transaction XXXX. Any event that cause a change in an organizations financial position or net worth, resulting from normal business activity. It is recorded on the general ledger by debit or credit tickets.
XXXX. Advance of funds, as in a credit card cash advance, purchase of goods at a retailer, or when a borrower activates a line of credit.
XXXX. Activities affecting a deposit account, such as a deposit of funds or a withdrawal, carried out at the request of the account holder.
Every time I use my credit card to make a purchase, that purchase is recorded in the general ledger according to the Generally Accepted Accounting Principles. Every purchase I make is a transaction. Every purchase I make using my credit card raises my debt utilization. Debt utilization is the result of one or more a transactions. My credit card balances are based on the purchase of goods at a retailer. Purchases money or the advance of funds held on deposit is a transaction. My credit limit is a transaction. Activities such as a deposit or withdrawal reflect my payment history. My payment history is a transaction. Every transaction is a bank experience. My debt utilization, account balances, amounts due, due dates, and payment history are all transactions and experiences that must be excluded from my consumer report. Immediately stop reporting my debt utilization, account balances, amounts due, due dates, all payment history, and update both accounts referenced in this complaint to paid as agreed.
These transactions are a result of income being credited and debited from my accounts. Debt is a reflection of my income.
Furthermore, Ive notified you over three times about the billing dispute Ive been having with XXXX XXXX since XX/XX/2022. After I notified you, you continued to make reports and allow reports to be made containing prohibited information. Pursuant to section 162 ( a ) of the Fair Credit Billing Act, adverse credit reporting during a billing dispute is prohibited. So even if you were permitted to make reports using my transactions and experiences, adverse reports made during a billing dispute, to any party, is prohibited. I personally gave you notice of the billing dispute Ive been having with XXXX XXXX and you still continue to create reports using the inaccurate and prohibited information given to you by XXXX XXXX. You are also currently making reports showing my XXXX by XXXX XXXX account is closed. Not only is that a violation of section 603 ( d ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting act and section 162 ( a ) of The Fair Credit Billing Act, pursuant to section 161 ( d ) of The Fair Credit Billing Act, restricting or closing my account because of a billing error is also prohibited. This account was closed unlawfully and you are allowing the furnishing and reporting of an unlawful action taken against me. I told you to remove these two accounts until the disputes are resolved and accurate credit reporting has been established. Due to the reports youre making containing this unlawful, prohibited, and inaccurate information, my name and credit has been made inequitable. My credit scores and credit ratings have dropped tremendously. This is a misrepresentation of my identity and your misrepresentation of my identity can be considered as identity theft.
I suspect you did not do a proper investigation or reinvestigation before you allowed that information furnished and reported. Even after I specified what information was inaccurate you still allowed the inaccurate information to be furnished and reported. Even after I informed you of the billing dispute, you still allowed adverse credit reporting. Even after I pointed out to you exactly what information is prohibited from being furnished and reported on a consumer report, you still permitted the furnishing and reporting of said prohibited information on my consumer report. This dispute is has not been resolved.
I pay my bill as agreed. Making an application for an extension of credit is a way of investing into companies who use short term debt instruments as a way of temporary financing. Owners of book-entry securities are issued statements. The draft attached to my statement is a bill equal to the amount of securities purchased and paid for with my credit. The bill amount is the security my credit purchased. Selling access to my credit makes me the purchaser. The draft is guaranteed because the proceeds do not belong to XXXX XXXX. My credit purchased the security. Im entitled to have my financial assets credited to my securities account.
Ive been trying for months to complete the purchase of securities I purchased on credit with the extension of credit I received from XXXX XXXX in exchanged for the investment of my application. The note is the part of the agreement where I promise to pay the amounts billed to me. Since the application is where the agreement is made, the application is the promissory note. My application created the deposit account and holds the purchase money that my application was exchange for. This account and the purchase money therein allows me to purchase more security on credit from the issuer in an amount no greater than the purchase money held on deposit at the time of purchase. Every purchase I make using my account is a deposit with the issuer of the bill. The deposit amount is the security I purchased from the issuer. The cash advance I received for investing my credit, via application, with XXXX XXXX is called purchase money because that money is used to purchase money, or security. Purchase money is used to purchase money. The deposit account, the purchase money in that account, the card used to make purchases, and all bills received from the transactions of that account are financial assets to me. This deposit account is a securities account being held on my behalf with the issuer of the monthly statements I receive. My credit is backed by the full faith and credit of the United States. Every security is backed by the full faith and credit of the United States. I am a trust account customer. My social security account is the account being used to hold my deposit account. The deposit account is a securities account. This is why I can gain access to the transaction history of my deposit account by verifying my social security number over the phone with the issuer of my monthly statements. XXXX XXXX is the issuer of the monthly statements I receive. These statements evidence my ownership of book-entry securities. The due bill is a statement of money owed as when a bank sells a security and receives payment but has not delivered the security or equivalent asset to the purchaser within three business days. Outstanding due bills are considered borrowed funds by a bank issuing a bill and a loan to the holder of the obligation. This paper I received, and am now returning, is considered eligible paper for rediscount at the discount window. This form of paper money, the bill, are the funds you use as payment to borrow and use my credit as collateral for a securities loan. Credit card receivables are bill payments. XXXX XXXX is using my financial assets as collateral for a securities loan at the discount window.
I have received the title documents and receipts for goods ( securities ) transported and I now want all of my unredeemed demand drafts, of past present and future, redeemed at face value, exchanged for securities of a new issue, and restricted to my United States Treasury Direct account. This paper money is legal tender that must be securitized to lawful money. Once its stripped and the coupon is restricted to my Treasury Direct Account my bill is considered paid. Whether the statement has a preprinted draft attached or not, this is how I want all bills payable to be paid for every account being held by XXXX XXXX on my behalf. This includes the account associated with my XXXX by XXXX XXXX credit card. The Treasury will make the principle payment to the securities account XXXX XXXX is holding on my behalf by issuing it the preprinted demand draft as a receipt via wire transfer. The interest rate XXXX XXXX is normally entitled to is the discount it receives on redemption at par. The zero coupon security is a marketable security. When XXXX XXXX gets the cusip number I want XXXX XXXX to trade or sell my security, at its discretion, on secondary the market. I know by law XXXX XXXX is entitled to receive 20 % at maturity. At maturity I want my 80 % deposited to my Treasury Direct Account.
I continue receiving notice that my bill is payable. Bills payable are XXXX XXXX trade obligations that must be accepted. XXXX is guaranteed because the draft is guaranteed. The draft is guaranteed because the preprinted demand draft is a check payable on sight. Attached to the preprinted demand draft is a receipt of the goods being transported. The goods being transported are the numbers on the bill that represent the security purchased. I know acceptance is completed by delivery or notification and payable on sight. This is a demand that must be accepted because the draft is a demand. Consider this my notification.
Consider this my final notification because I have notified XXXX XXXX of my concerns thrice before. XXXX XXXX and its Indenture Trustee are already in dishonor of its obligations to perform in this matter. XXXX XXXX attempting to make me believe my bill payment belongs to it is a deceptive business practice. I received notice that XXXX XXXX closed my account. XXXX XXXX does not have my permission to close my account. Closing my account was unauthorized. That action was unfair as dictated by reason and practice. Closing my account after I attempted to exercise my rights in good faith is discriminatory. Discrimination in relation to any aspect of a credit transaction is strictly prohibited by law.
Sadly I suspect XXXX XXXX dishonor is knowingly and willingly negligent noncompliant. I also suspect XXXX XXXX is in collusion with Equifax in an attempt to defame my character as a result of non payment by intimidating me with negative credit reporting.
I know XXXX XXXX accepts Non-Conforming Payments. However I sent XXXX XXXX a proper form of payment. Ive attempted to pay my bill several times previously and my Conforming Payments have been refused and remain unreturned. This leads me to think that XXXX XXXX took my payment for itself. I want my account reopened upon receipt of this notice. If my account is not reopened, made current with all payments reporting on time and paid as agreed, I will know XXXX XXXX attempt at securities fraud and extortion is purposeful and deliberate. I have all documentation ready and available as evidence to prove my claim if and when necessary.
The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United Statesnotes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of theUnited States, stamps and other representatives of value, of whatever denomination, issued under any Act ofCongress, and canceledUnited Statesstamps.
On page two of the monthly statements I receive I notice a section titled Proper Form of Payments by Mail. Here it says payment should be sent to the address listed on the remittance portion of XXXX XXXX XXXX. I received this remittance because you XXXX XXXX has a bill that is a due bill.
Bill 1. Bill of exchange 2. Bill of lading 3. Treasury bill 4. Due bill, a statement of money owed as in when a bank sells a security and receives payment but has not delivered the security or equivalent asset. Outstanding due bills are considered borrowed funds by a bank issuing a bill, and a loan by the holder of the obligation. In the securities industry, a bill indicates the amount owed by a buying broker to a selling broker.
Every time I use my credit card associated with this account to make a purchase, what Im actually purchasing is security from the issuer of the bill. This security is delivered to me by way of remittance. I receive a remittance because Im selling XXXX XXXX access to my credit. XXXX XXXX, the issuer, are buying access to my credit. A remittance is how you deliver me the money owed or equivalent asset whether in cash or cash equivalent. This paper money is cash equivalent.
REMITTANCE XXXX. Payment toward satisfaction of a debt, whether in cash or cash equivalents, such as checks, drafts, and other negotiable instruments.
XXXX. Payment on an installment loan or open-end credit account, forwarded through the mail to a LOCK BOX, along with a remittance document, a machine readable billing document encoded with the customers account number, and the amount due, plus any late charges, if the loan payment is delinquent.
3. PROCEEDS from a check submitted to another bank for COLLECTION.
I was delivered this remittance from XXXX XXXX as payment towards satisfaction of a debt for not delivering the security purchased at the time of the purchase. This remittance is a cash equivalent that has a bill of exchange attached to it and the bill must be exchanged or redeemed for securities of a new issue. I received the remittance because the proceeds from the check attached belong to me. The only way the proceeds can be received by me, in a usable form such as cash, is to send XXXX XXXX the bill for payment as promised.
LOCK BOX Post office box used by organizations to accelerate collection of receivables. Checks are routed to a designated po box number, where they are picked up several times during the day, separated from the envelopes, and submitted to the check collection system for conversion into cash receivables. Many large banks offer lock box processing as a cash management service to corporate customers. A lock box can be retail, designed for remittance processing for customer accounts, or wholesale, in which payments from other corporations are collected and submitted through DEPOSITORY TRANSFER CHECK or electronic debit payments into a concentration account.
The address listed on the remittance portion of the statement is a lock box address for credit card receivables. Checks are routed to lock boxes. The remittances I receive are check payments that I am the beneficiary of. When the preprinted demand draft is stripped from the bill of lading, they can be processed as two separate securities. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States. I can not detach the coupon in advance because coupon stripping can only be done by a trust fiduciary.
DEPOSITORY TRANSFER CHECK Preprinted DEMAND DRAFT used by corporations to make transfers of cash from a checking account at XXXX bank to a CONCENTRATION ACCOUNT at another bank. This negotiable instrument requires no signature.
A remittance is a preprinted demand draft called a depository transfer check. When the depository transfer check is submitted to the paying bank, the proceeds will be deposited to the concentration account of the person who issued the bill.
CONCENTRATION ACCOUNT Deposit account into which funds are periodically transferred from various local banks, via wire transfer or automated clearing house debit, from other accounts in the same bank, or in different banks.
A concentration account is also known as a zero-balance account.
ZERO-BALANCE ACCOUNT Checking account used by corporations to accelerate collection of funds from subsidiaries, or control funds disbursed to pay trade creditors. In a zero-balance collection account, collected balances are transferred by DEPOSITORY TRANSFER CHECK or automated clearing house debit from subsidiary accounts into a central CONCENTRATION ACCOUNT, bringing the collecting account to a XXXX balance at the end of each business day. Zero-balance concentration accounts are generally wanting centralized control of cash receipts. In a zero- balance disbursing account, corporate funds are transferred from a master account in an amount sufficient to cover checks presented for payment. Zero-balance disbursement accounts are typically used by companies that want centralized cash control but decentralized funds disbursement.
My security account, which XXXX XXXX is holding on my behalf, is the account with the balance at the beginning of the day. The collecting account with a XXXX balance at the end of the day is also my account. My account has a XXXX balance because an amount sufficient to cover checks presented for payment are transferred from XXXX XXXX XXXX disbursement account to my account. My account is collecting the amount transferred from a XXXX XXXX disbursement account because my check is the check presented for payment.
The directions also state to enclose a valid check, include name and account number on the check, include payment coupon and no cash permitted.
COUPON Detachable certificates showing the dollar amount of interest payable to a bond holder at regular intervals, ordinarily semiannually. Coupons on a BEARER BOND are negotiable instruments and are processed just like checks. Bond interest on BOOK-ENTRY securities is credited to the owners account.
The dollar amount on my coupon is my bond interest. Im the owner of the account collecting the bond interest. When my bond interest is credited to my account, my account will have a XXXX balance at the end of the business day. This coupon is processed just like a check because this coupon is a DEPOSITORY TRANSFER CHECK. My coupon is a preprinted DEMAND DRAFT. The coupon can only be stripped by a trust fiduciary. Implying that I should detach the coupon myself is a form of inducement.
DEMAND DRAFT Written order demanding that payment be made, on sight, to a third party. The person writing the draft is called the drawee ; the bank making the payment is the drawer, or the payor bank. The beneficiary of a demand draft, the person receiving the payment, is the payee. Drafts may be payable at some future date ( time drafts ) or on sight ( demand drafts ). Demand drafts drawn on by banks are known as CHECKS.
Since this draft is preprinted, the issuer, XXXX XXXX in this case, is the drawee. The United States Treasury General Account is the checking account used by the Department XXXX XXXX Treasury from which the XXXX government makes all of its payments. The Federal Reserve Bank XXXX New York holds the Treasury XXXX Account and is the drawer, XXXX bank. I am the beneficiary of the demand draft, the person receiving payment, the payee. I am the payee. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States.
- CHECK Demand draft drawn on by a bank.
This remittance coupon is a check owed to me in payment of bond interest on book-entry securities that must be credited to my account. The coupon is a valid check. This check must be sent for presentment to the United States Treasury for redemption or in exchange for securities of a new issue. Treasury Direct makes principle, interest, and redemption payments, directly to an individual investors account at a financial institution. XXXX XXXX request that I write my card number as a memo on the check. I think that is a form of inducement to make me believe the coupon and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account at your institution. My REMITTANCE COUPON is a valid CHECK.
PROCEEDS XXXX. Amount given to a borrower after prepaid interest, loan fees, and other costs are deducted.
XXXX. Funds received from the sale of assets, or from the issue of securities, after deductions of selling or marketing expenses incurred.
XXXX. Sum of money collected on a CHECK or other negotiable instrument after deduction of exchange or collection charges.
The bank sells me a security every time I make a purchase using the card associated with the account. When I dont receive the assets, within XXXX business days, the funds for the purchase are considered borrowed, the sale becomes a DUE BILL, and the borrowed funds must be returned to me. The PROCEEDS from the REMITTANCE I receive is payment toward the satisfaction of the money owed to me. The DUE BILL is attached to my REMITTANCE. I promised to pay XXXX XXXX the DUE BILL. I did not promise to pay XXXX XXXX the PROCEEDS from my REMITTANCE. The COUPON is my bond interest on my book-entry securities that must be credited to my account. My REMITTANCE COUPON is a preprinted DEMAND DRAFT called a DEPOSITORY TRANSFER CHECK. The DEPOSITORY TRANSFER CHECK is a DEMAND DRAFT payable on sight. Since I promised to pay XXXX XXXX the DUE BILL, a trust fiduciary must strip my COUPON and process them as separate securities. The equitable agreement is that I promise to pay XXXX XXXX the DUE BILL and in return it must clear my electronic CHECK so I may receive my PROCEEDS. At redemption the DEPOSITORY TRANSFER CHECK is deposited and XXXX XXXX will receive a receipt, which has actual cash value, for the face amount. The receipt is deposited via wire transfer into its CONCENTRATION ACCOUNT, for zero-balance disbursement to my account which is the account collecting the balance. When all disbursements are made to collecting accounts, the CONCENTRATION ACCOUNT, and all the collecting accounts will have a zero-balance by the end of that business day. XXXX XXXX PROCEEDS come from the deep discounts it receives at redemption. Separating the corpus, or the bond principle, from the interest COUPON effectively creates a zero-coupon security that can be traded on the secondary market. My PROCEEDS is the sum of money collected on the check I received from the issue of securities. The PROCEEDS from the CHECK is my REMITTANCE. When I receive the PROCEEDS from my REMITTANCE, my financial asset or its equivalent, is considered delivered. The PROCEEDS from the REMITTANCE is considered my income. I believe XXXX XXXX has been keeping my income for itself.
- CASH XXXX. Currency ( including bills and coin ) in circulation, including checking account balances. Cash held by a bank for example VAULT CASH, requires no capital backing under risk-based capital rules adopted by bank regulatory agencies.
XXXX. To convert a check into cash by endorsing and presenting to a bank.
Checking account balances are considered cash. Sending XXXX XXXX a check where funds will be debited from my checking account balance is the same as sending it cash and that would constitute payment not received in proper form. The only check I can send XXXX XXXX as a Proper Form of Payment by Mail is my remittance check.
ELECTRONIC CHECK PRESENTMENT In check clearing, electronic transmission of the check writers account number and other payment data directly to the paying bank. Electronic check presentment does not eliminate use of paper checks, but it does allow for a more efficient and less costly method for clearing checks. The Check Clearing for the 21st Century ( or Check 21 ) Act permits banks to send a digital image of a paper check instead of the actual check and thus eliminates much of the labor-intensive costs associated with clearing billions of checks Americans write every year.
Due to federal law, known as The Check Clearing for the 21st Century Act, enabling banks to process paper checks as electronic payments, using a bank service called truncation, where the actual handling of the check is stopped and an electronic check image of the paper check is transmitted to the paying bank. Coupons are normally associated with physical bonds. Since my book-entry securities are held and traded electronically, a digital presentation of the coupon is needed to facilitate the interest payment process. At the paying bank a substitute check is created for check clearing. The actual paper check is held by XXXX XXXX and the check is not returned to the check writer with the account statement. I am in receipt of the account statement. I am the check writer with the account statement. Some of the payment data is already preprinted on the check. The other payment data that I add to the preprinted draft such as For Deposit Only makes me the writer and the payee. I promised to pay XXXX XXXX the DUE BILL. The DUE BILL is the corpus, or the paper above the perforated line. The corpus also carries the bill of lading with it. The bill of lading is the numbers being transported on the DUE BILL which act as a receipt detailing the security purchase. The numbers are the securities purchased and the goods being transported. This means that the numbers are the securities I purchased. The numbers represent money. The goods being transported is the money. Security is money. I use my purchase money to purchase money. The receipt is an inland bill of exchange that can be deposited and exchanged for a treasury bill. The bill is your payment and the remittance is my payment. The remittance is the money I purchased. I can not redeem my PROCEEDS without XXXX XXXX. Interest payments on book-entry securities need to be made electronically. I have not received any of my payments. The PROCEEDS from my REMITTANCE is my income.
SENDING XXXX XXXX MY REMITTANCE CHECK FOR PAYMENT IS A PROPER FORM OF PAYMENT BY MAIL. I AM ONCE AGAIN PROVIDING XXXX XXXX WITH A CHECK FOR PAYMENT AND I AUTHORIZE XXXX XXXX TO EITHER USE THE INFORMATION FROM MY CHECK TO MAKE A ONE-TIME ELECTRONIC FUNDS TRANSFER FROM MY ACCOUNT OR TO PROCESS MY PAYMENT AS A CHECK TRANSACTION.
I have been sending XXXX XXXX checks and it is has not processed any of them. I have been sending XXXX XXXX checks and it has refused them all. XXXX XXXX closed my account. XXXX XXXX not only threatened to report my account, it actually does report, and continues to report my account negatively to the consumer reporting agencies. XXXX XXXX has taken the BILL along with my REMITTANCE and is now attempting to extort a cash payment from my checking account. XXXX XXXX has taken the PROCEEDS of my REMITTANCE, which is my income, and is making reports, with Equifax, claiming that I now owe XXXX XXXX an amount equal to the income it has already stolen from me. Transactions and experiences are a reflection of my income. Income is not a part of a credit report. You at Equifax have been making reports reflecting my income. You at Equifax may be guilty of racketeering like activity if you do not immediately update these two accounts to open, current, paid as agreed, XXXX debt utilization, XXXX due, and no late payments or you must completely remove them from my consumer report.
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10/18/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer account listed XXXX XXXX XXXX. There are several inconsistencies and they do not have consent to report the information.
Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in XXXX XXXX is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each reporting agency must provide an opt out notice to each consumer in a timely manner. A consumer can not be late on an open ended consumer plan and they need my written consent to produce a consumer report on me. I asking that each provide me with the documentation I signed that gives them the authority to produce this alleged report.
17 CFR 248.124 - Reasonable opportunity to opt out.
CFR prev | next 248.124 Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after September 30, 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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XXXX, XXXX, and Equifax are reporting my student loan financial information without my consent. My student loan financial history is protect under the Family Educational Act.
20 U.S. Code 1232g - Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings; written explanations by parents ; definitions ( 1 ) ( A ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. If any material or document in the education record of a student includes information on more than one student, the parents of one of such students shall have the right to inspect and review only such part of such material or document as relates to such student or to be informed of the specific information contained in such part of such material. Each educational agency or institution shall establish appropriate procedures for the granting of a request by parents for access to the education records of their children within a reasonable period of time, but in no case more than forty-five days after the request has been made.
( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section.
( C ) The first sentence of subparagraph ( A ) shall not operate to make available to students in institutions of postsecondary education the following materials : ( i ) financial records of the parents of the student or any information contained therein ; ( ii ) confidential letters and statements of recommendation, which were placed in the education records prior to XX/XX/XXXX, if such letters or statements are not used for purposes other than those for which they were specifically intended ; ( iii ) if the student has signed a waiver of the students right of access under this subsection in accordance with subparagraph ( D ), confidential recommendations ( XXXX ) respecting admission to any educational agency or institution, ( II ) respecting an application for employment, and ( III ) respecting the receipt of an honor or honorary recognition.
( D ) A student or a person applying for admission may waive his right of access to confidential statements described in clause ( iii ) of subparagraph ( C ), except that such waiver shall apply to recommendations only if ( i ) the student is, upon request, notified of the names of all persons making confidential recommendations and ( ii ) such recommendations are used solely for the purpose for which they were specifically intended. Such waivers may not be required as a condition for admission to, receipt of financial aid from, or receipt of any other services or benefits from such agency or institution.
( 2 ) No funds shall be made available under any applicable program to any educational agency or institution unless the parents of students who are or have been in attendance at a school of such agency or at such institution are provided an opportunity for a hearing by such agency or institution, in accordance with regulations of the Secretary, to challenge the content of such students education records, in order to insure that the records are not inaccurate, misleading, or otherwise in violation of the privacy rights of students, and to provide an opportunity for the correction or deletion of any such inaccurate, misleading or otherwise inappropriate data contained therein and to insert into such records a written explanation of the parents respecting the content of such records.
( XXXX ) For the purposes of this section the term educational agency or institution means any public or private agency or institution which is the recipient of funds under any applicable program.
( 4 ) ( A ) For the purposes of this section, the term education records means, except as may be provided otherwise in subparagraph ( B ), those records, files, documents, and other materials which ( i ) contain information directly related to a student; and ( ii ) are maintained by an educational agency or institution or by a person acting for such agency or institution.
( B ) The term education records does not include ( i ) records of instructional, supervisory, and administrative personnel and educational personnel ancillary thereto which are in the sole possession of the maker thereof and which are not accessible or revealed to any other person except a substitute ; ( ii ) records maintained by a law enforcement unit of the educational agency or institution that were created by that law enforcement unit for the purpose of law enforcement ; ( iii ) in the case of persons who are employed by an educational agency or institution but who are not in attendance at such agency or institution, records made and maintained in the normal course of business which relate exclusively to such person in that persons capacity as an employee and are not available for use for any other purpose; or ( iv ) records on a student who is eighteen years of age or older, or is attending an institution of postsecondary education, which are made or maintained by a physician, psychiatrist, psychologist, or other recognized professional or paraprofessional acting in his professional or paraprofessional capacity, or assisting in that capacity, and which are made, maintained, or used only in connection with the provision of treatment to the student, and are not available to anyone other than persons providing such treatment, except that such records can be personally reviewed by a physician or other appropriate professional of the students choice.
( 5 ) ( A ) For the purposes of this section the term directory information relating to a student includes the following : the students name, address, telephone listing, date and place of birth, major field of study, participation in officially recognized activities and sports, weight and height of members of athletic teams, dates of attendance, degrees and awards received, and the most recent previous educational agency or institution attended by the student.
( B ) Any educational agency or institution making public directory information shall give public notice of the categories of information which it has designated as such information with respect to each student attending the institution or agency and shall allow a reasonable period of time after such notice has been given for a parent to inform the institution or agency that any or all of the information designated should not be released without the parents prior consent.
( 6 ) For the purposes of this section, the term student includes any person with respect to whom an educational agency or institution maintains education records or personally identifiable information, but does not include a person who has not been in attendance at such agency or institution.
( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following ( A ) other school officials, including teachers within the educational institution or local educational agency, who have been determined by such agency or institution to have legitimate educational interests, including the educational interests of the child for whom consent would otherwise be required ; ( B ) officials of other schools or school systems in which the student seeks or intends to enroll, upon condition that the students parents be notified of the transfer, receive a copy of the record if desired, and have an opportunity for a hearing to challenge the content of the record ; ( C ) ( i ) authorized representatives of ( I ) the Comptroller General of the United States XXXX XXXX II ) the Secretary, or ( III ) State educational authorities, under the conditions set forth in paragraph ( XXXX ), or ( ii ) authorized representatives of the Attorney General for law enforcement purposes under the same conditions as apply to the Secretary under paragraph ( XXXX ) ; ( D ) in connection with a students application for, or receipt of, financial aid ; ( E ) State and local officials or authorities to whom such information is specifically allowed to be reported or disclosed pursuant to State statute adopted ( i ) before XX/XX/XXXX, if the allowed reporting or disclosure concerns the juvenile justice system and such systems ability to effectively serve the student whose records are released, or ( ii ) after XX/XX/XXXX, if ( I ) the allowed reporting or disclosure concerns the juvenile justice system and such systems ability to effectively serve, prior to adjudication, the student whose records are released ; and ( II ) the officials and authorities to whom such information is disclosed certify in writing to the educational agency or institution that the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of the student. [ 1 ] ( F ) organizations conducting studies for, or on behalf of, educational agencies or institutions for the purpose of developing, validating, or administering predictive tests, administering student aid programs, and improving instruction, if such studies are conducted in such a manner as will not permit the personal identification of students and their parents by persons other than representatives of such organizations and such information will be destroyed when no longer needed for the purpose for which it is conducted ; ( G ) accrediting organizations in order to carry out their accrediting functions ; ( H ) parents of a dependent student of such parents, as defined in section 152 of title 26 ; ( I ) subject to regulations of the Secretary, in connection with an emergency, appropriate persons if the knowledge of such information is necessary to protect the health or safety of the student or other persons ; ( J ) ( i ) the entity or persons designated in a Federal grand jury subpoena, in which case the court shall order, for good cause shown, the educational agency or institution ( and any officer, director, employee, agent, or attorney for such agency or institution ) on which the subpoena is served, to not disclose to any person the existence or contents of the subpoena or any information furnished to the grand jury in response to the subpoena ; and ( ii ) the entity or persons designated in any other subpoena issued for a law enforcement purpose, in which case the court or other issuing agency may order, for good cause shown, the educational agency or institution ( and any officer, director, employee, agent, or attorney for such agency or institution ) on which the subpoena is served, to not disclose to any person the existence or contents of the subpoena or any information furnished in response to the subpoena ; ( K ) the Secretary of Agriculture, or authorized representative from the Food and Nutrition Service or contractors acting on behalf of the Food and Nutrition Service, for the purposes of conducting program monitoring, evaluations, and performance measurements of State and local educational and other agencies and institutions receiving funding or providing benefits of 1 or more programs authorized under the Richard B. Russell National School Lunch Act ( 42 U.S.C. 1751 et seq. ) or the Child Nutrition Act of 1966 ( 42 U.S.C. 1771 et seq. ) for which the results will be reported in an aggregate form that does not identify any individual, on the conditions that ( i ) any data collected under this subparagraph shall be protected in a manner that will not permit the personal identification of students and their parents by other than the authorized representatives of the Secretary; and ( ii ) any personally identifiable data shall be destroyed when the data are no longer needed for program monitoring, evaluations, and performance measurements; and ( L ) an agency caseworker or other representative of a State or local child welfare agency, or tribal organization ( as defined in section 5304 of title 25 ), who has the right to access a students case plan, as defined and determined by the State or tribal organization, when such agency or organization is legally responsible, in accordance with State or tribal law, for the care and protection of the student, provided that the education records, or the personally identifiable information contained in such records, of the student will not be disclosed by such agency or organization, except to an individual or entity engaged in addressing the students education needs and authorized by such agency or organization to receive such disclosure and such disclosure is consistent with the State or tribal laws applicable to protecting the confidentiality of a students education records.
Nothing in subparagraph ( E ) of this paragraph shall prevent a State from further limiting the number or type of State or local officials who will continue to have access thereunder.
( 2 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing, or providing access to, any personally identifiable information in education records other than directory information, or as is permitted under paragraph ( 1 ) of this subsection, unless ( A ) there is written consent from the students parents specifying records to be released, the reasons for such release, and to whom, and with a copy of the records to be released to the students parents and the student if desired by the parents, or ( B ) except as provided in paragraph ( 1 ) ( J ), such information is furnished in compliance with judicial order, or pursuant to any lawfully issued subpoena, upon condition that parents and the students are notified of all such orders or subpoenas in advance of the compliance therewith by the educational institution or agency, except when a parent is a party to a court proceeding involving child abuse and neglect ( as defined in section XXXX of the Child Abuse Prevention and Treatment Act ( XXXX XXXX. XXXX note ) ) or dependency matters, and the order is issued in the context of that proceeding, additional notice to the parent by the educational agency or institution is not required.
( XXXX ) Nothing contained in this section shall preclude authorized representatives of ( A ) the Comptroller General of the United States, ( B ) the Secretary, or ( C ) State educational authorities from having access to student or other records which XXXX be necessary in connection with the audit and evaluation of Federally-supported education programs, or in connection with the enforcement of the Federal legal requirements which relate to such programs : Provided, That except when collection of personally identifiable information is specifically authorized by Federal law, any data collected by such officials shall be protected in a manner which will not permit the personal identification of students and their parents by other than those officials, and such personally identifiable data shall be destroyed when no longer needed for such audit, evaluation, and enforcement of Federal legal requirements.
( XXXX ) ( A ) Each educational agency or institution shall maintain a record, kept with the education records of each student, which will indicate all individuals ( other than those specified in paragraph ( XXXX ) ( A ) of this subsection ), agencies, or organizations which have requested or obtained access to a students education records maintained by such educational agency or institution, and which will indicate specifically the legitimate interest that each such person, agency, or organization has in obtaining this information. Such record of access shall be available only to parents, to the school official and his assistants who are responsible for the custody of such records, and to persons or organizations authorized in, and under the conditions of, clauses ( A ) and ( C ) of paragraph ( 1 ) as a means of auditing the operation of the system.
( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student. If a third party outside the educational agency or institution permits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), the educational agency or institution shall be prohibited from permitting access to information from education records to that third party for a period of not less than five years.
( 5 ) Nothing in this section shall be construed to prohibit State and local educational officials from having access to student or other records which may be necessary in connection with the audit and evaluation of any federally or State supported education program or in connection with the enforcement of the Federal legal requirements which relate to any such program, subject to the conditions specified in the proviso in paragraph ( 3 ).
( 6 ) ( A ) Nothing in this section shall be construed to prohibit an institution of postsecondary education from disclosing, to an alleged victim of any crime of violence ( as that term is def
ined in section 16 of title 18 ), or a nonforcible XXXX offense, the final results of any disciplinary proceeding conducted by such institution against the alleged perpetrator of such crime or offense with respect to such crime or offense.
( B ) Nothing in this section shall be construed to prohibit an institution of postsecondary education from disclosing the final results of any disciplinary proceeding conducted by such institution against a student who is an alleged perpetrator of any crime of violence ( as that term is defined in section 16 of title 18 ), or a nonforcible XXXX offense, if the institution determines as a result of that disciplinary proceeding that the student committed a violation of the institutions rules or policies with respect to such crime or offense.
( C ) For the purpose of this paragraph, the final results of any disciplinary proceeding ( i ) shall include only the name of the student, the violation committed, and any sanction imposed by the institution on that student; and ( ii ) may include the name of any other student, such as a victim or witness, only with the written consent of that other student.
( 7 ) ( A ) Nothing in this section may be construed to prohibit an educational institution from disclosing information provided to the institution under section 14071 [ 2 ] of title 42 concerning registered XXXX offenders who are required to register under such section.
( B ) The Secretary shall take appropriate steps to notify educational institutions that disclosure of information described in subparagraph ( A ) is permitted.
( c ) Surveys or data-gathering activities ; regulations Not later than 240 days after XX/XX/XXXX, the Secretary shall adopt appropriate regulations or procedures, or identify existing regulations or procedures, which protect the rights of privacy of students and their families in connection with any surveys or data-gathering activities conducted, assisted, or authorized by the Secretary or an administrative head of an education agency. Regulations established under this subsection shall include provisions controlling the use, dissemination, and protection of such data. No survey or data-gathering activities shall be conducted by the Secretary, or an administrative head of an education agency under an applicable program, unless such activities are authorized by law.
( d ) Students rather than parents permission or consent For the purposes of this section, whenever a student has attained eighteen years of age, or is attending an institution of postsecondary education, the permission or consent required of and the rights accorded to the parents of the student shall thereafter only be required of and accorded to the student.
( e ) Informing parents or students of rights under this section No funds shall be made available under any applicable program to any educational agency or institution unless such agency or institution effectively informs the parents of students, or the students, if they are eighteen years of age or older, or are attending an institution of postsecondary education, of the rights accorded them by this section.
( f ) Enforcement ; termination of assistance The Secretary shall take appropriate actions to enforce this section and to deal with violations of this section, in accordance with this chapter, except that action to terminate assistance may be taken only if the
Secretary finds there has been a failure to comply with this section, and he has determined that compliance can not be secured by voluntary means.
( g ) Office and review board ; creation ; functions The Secretary shall establish or designate an office and review board within the Department for the purpose of investigating, processing, reviewing, and adjudicating violations of this section and complaints which may be filed concerning alleged violations of this section. Except for the conduct of hearings, none of the functions of the Secretary under this section shall be carried out in any of the regional offices of such Department.
( h ) Disciplinary records ; disclosure Nothing in this section shall prohibit an educational agency or institution from ( 1 ) including appropriate information in the education record of any student concerning disciplinary action taken against such student for conduct that posed a significant risk to the safety or well-being of that student, other students, or other members of the school community ; or ( 2 ) disclosing such information to teachers and school officials, including teachers and school officials in other schools, who have legitimate educational interests in the behavior of the student.
( i ) Drug and alcohol violation disclosures ( 1 ) In general Nothing in this Act or the Higher Education Act of 1965 [ 20 U.S.C. 1001 et seq. ] shall be construed to prohibit an institution of higher education from disclosing, to a parent or legal guardian of a student, information regarding any violation of any Federal, State, or local law, or of any rule or policy of the institution, governing the use or possession of alcohol or a controlled substance, regardless of whether that information is contained in the students education records, if ( A ) the student is under the age of 21 ; and ( B ) the institution determines that the student has committed a disciplinary violation with respect to such use or possession.
( 2 ) State law regarding disclosure Nothing in paragraph ( 1 ) shall be construed to supersede any provision of State law that prohibits an institution of higher education from making the disclosure described in subsection ( a ).
( j ) Investigation and prosecution of terrorism ( 1 ) In general Notwithstanding subsections ( a ) through ( i ) or any provision of State law, the Attorney General ( or any Federal officer or employee, in a position not lower than an Assistant Attorney General, designated by the Attorney General ) may submit a written application to a court of competent jurisdiction for an ex parte order requiring an educational agency or institution to permit the Attorney General ( or his designee ) to ( A ) collect education records in the possession of the educational agency or institution that are relevant to an authorized investigation or prosecution of an offense listed in section 2332
b ( g ) ( 5 ) ( B ) of title 18, or an act of domestic or international terrorism as defined in section 2331 of that title ; and ( B ) for official purposes related to the investigation or prosecution of an offense described in paragraph ( 1 ) ( A ), retain, disseminate, and use ( including as evidence at trial or in other administrative or judicial proceedings ) such records, consistent with such guidelines as the Attorney General, after consultation with the Secretary, shall issue to protect confidentiality. ( 2 ) Application and approval ( A ) In general.
An application under paragraph ( 1 ) shall certify that there are specific and articulable facts giving reason to believe that the education records are likely to contain information described in paragraph ( 1 ) ( A ).
( B ) The court shall issue an order described in paragraph ( 1 ) if the court finds that the application for the order includes the certification described in subparagraph ( A ).
( 3 ) Protection of educational agency or institution An educational agency or institution that, in good faith, produces education records in accordance with an order issued under this subsection shall not be liable to any person for that production.
( 4 ) Record-keeping Subsection ( b ) ( 4 ) does not apply to education records subject to a court order under this subsection.
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09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
EQUIFAX CONSUMER 'S PERSONAL INFORMATION : Name : XXXX XXXX Also known as : - Generation identifier : - Year of birth : XXXX Consumer 's Comments : My name is incorrect. My name should read " XXXX XXXX ''. ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer 's Comments : I have never lived at this address, please correct. ACCOUNTS : XXXX XXXX XXXX XXXX Account Info : 4 CHARGE OFFS Account number : XXXX Account status : - Date opened : XX/XX/XXXX Account type : Revolving Consumer 's Comments : Reporting FOUR ( 4 ) charge-offs for ONE ( 1 ) Account is Criminal. Please change entry to ONE ( 1 ) Charge-Off. Account Info : XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX Account type : Revolving Balance on XX/XX/XXXX : {$0.00} Credit Limit XXXX {$100.00} Payment Info Status : Pays account as agreed Status date : XX/XX/XXXX Past due amount : - Highest balance : $ 564 Monthly payment : - Late payments : - Consumer 's Comments : This account has been paid off, on time, and is closed for more than seven ( 7 ) years ; please remove it immediately. Account Info : SYNCB/CHEVRON PLCC Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX Account type : Revolving Balance on XX/XX/XXXX : {$0.00} Credit Limit XXXX {$0.00} Payment Info Status : Pays account as agreed Status date : XX/XX/XXXX Past due amount : - Highest balance : $ 0 Monthly payment : - Late payments : - Consumer 's Comments : This account has been paid off, on time, and is closed for more than seven ( 7 ) years ; please remove it immediately. As per the Federal Trade Commission ( FTC ), Fair Credit Reporting Act ( FCRA ) : 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ]. 70 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 79 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. 80 615. Requirements on users of consumer reports, pg. 70 [ 15 U.S.C. 1681m ] ( a ) Duties of users taking adverse actions on the basis of information contained in consumer reports. If any person takes any adverse action 615 - 15 U.S.C. 1681m, pg. 71 with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure ( A ) of a numerical credit score as defined in section 609 ( f ) ( 2 ) ( A ) used by such person in taking any adverse action based in whole or in part on any information in a consumer report ; and ( B ) of the information set forth in subparagraphs ( B ) through ( E ) of section 609 ( f ) ( 1 ) ; ( 3 ) provide to the consumer orally, in writing, or electronically ( A ) the name, address, and telephone number of the consumer reporting agency ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) that furnished the report to the person ; and ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; and ( 4 ) provide to the consumer an oral, written, or electronic notice of the consumers right ( A ) to obtain, under section 612 [ 1681j ], a free copy of a consumer report on the consumer from the consumer reporting agency referred to in paragraph ( 3 ), which notice shall include an indication of the 60-day period under that section for obtaining such a copy ; and ( B ) to dispute, under section 611 [ 1681i ], with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency. ( b ) Adverse Action Based on Information Obtained from Third Parties Other than Consumer Reporting Agencies ( 1 ) In general. Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer. ( 2 ) Duties of Person Taking Certain Actions Based on Information Provided by Affiliate ( A ) Duties, generally. If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( c ), the person shall ( i ) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause ( ii ) ; and ( ii ) upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request. ( B ) Action described. An action referred to in subparagraph ( A ) is an adverse action described in section 603 ( k ) ( 1 ) ( A ) [ 1681a ], taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 603 ( k ) ( 1 ) ( B ) [ 1681a ]. ( C ) Information described. Information referred to in subparagraph ( A ) ( i ) except as provided in clause ( ii ), is information that ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include 73 ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report. ( c ) Reasonable procedures to assure compliance. No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation he maintained reasonable procedures to assure compliance with the provisions of this section. ( d ) Duties of Users Making Written Credit or Insurance Solicitations on the Basis of Information Contained in Consumer Files ( 1 ) In general. Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer, that is provided to that person under section 604 ( c ) ( 1 ) ( B ) [ 1681b ], shall provide with each written solicitation made to the consumer regarding the transaction a clear and conspicuous statement that ( A ) information contained in the consumers consumer report was used in connection with the transaction ; ( B ) the consumer received the offer of credit or insurance because the consumer satisfied the criteria for credit worthiness or insurability under which the consumer was selected for the offer ; ( C ) if applicable, the credit or insurance may not be extended if, after the consumer responds to the offer, the consumer does not meet the criteria used to select the consumer for the offer or any applicable criteria bearing on credit worthiness or insurability or does not furnish any required collateral ; ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and ( E ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 604 ( e ) [ 1681b ]. ( 2 ) Disclosure of address and telephone number ; format. A statement under paragraph ( 1 ) shall ( A ) include the address and toll-free telephone number of the appropriate notification system established under section 604 ( e ) ; and ( B ) be presented in such format and in such type size and manner as to be simple and easy to understand, as established by the Bureau, by rule, in consultation with the Federal Trade Commission , Federal banking agencies and the National Credit Union Administration . See also 16 CFR Part 642 16 CFR Part 698 App A 70 Fed. Reg. 5022 ( XX/XX/XXXX ) ( 3 ) Maintaining criteria on file. A person who makes an offer of credit or insurance to a consumer under a credit or insurance transaction described in paragraph ( 1 ) shall maintain on file the criteria used to select the consumer to receive the offer, all criteria bearing on credit worthiness or insurability, as applicable, that are the basis for determining whether or not to extend credit or insurance pursuant to the offer, and any requirement for the furnishing of collateral as a condition of the extension of credit or insurance, until the expiration of the 3-year period beginning on the date on which the offer is made to the consumer. ( 4 ) Authority of federal agencies regarding unfair or deceptive acts or practices not affected. This section is not intended to affect the authority of any Federal or State agency to enforce a prohibition against unfair or deceptive acts or practices, including the making of false or misleading statements in connection with a credit or insurance transaction that is not initiated by the consumer. See also 16 CFR Part 681 72 Fed. Reg. 63772-74 ( XX/XX/XXXX ) 74 Fed. Reg. 22640-41 ( XX/XX/XXXX ) ( e ) Red Flag Guidelines and Regulations Required ( 1 ) Guidelines. The Federal banking agencies, the XXXX XXXX XXXX XXXX, the Federal Trade Commission, the Commodity Futures Trading Commission, and the Securities and Exchange Commission shall jointly, with respect to the entities that are subject to their respective enforcement authority under section 621 ( A ) establish and maintain guidelines for use by each financial institution and each creditor regarding identity theft with respect to account holders at, or customers of, such entities, and update such guidelines as often as necessary ; ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; and ( C ) prescribe regulations applicable to card issuers to ensure that, if a card issuer receives notification of a change of address for an existing account, and within a short period of time ( during at least the first 30 days after such notification is received ) receives a request for an additional or replacement card for the same account, the card issuer may not issue the additional or replacement card, unless the card issuer, in accordance with reasonable policies and procedures ( i ) notifies the cardholder of the request at the former address of the cardholder and provides to the cardholder a means of promptly reporting incorrect address changes ; ( ii ) notifies the cardholder of the request by such other means of communication as the cardholder and the card issuer previously agreed to ; or ( iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ). ( 2 ) Criteria ( A ) In general. In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall identify patterns, practices, and specific forms of activity that indicate the possible existence of identity theft. ( B ) Inactive accounts. In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall consider including reasonable guidelines providing that when a transaction occurs with respect to a credit or deposit account that has been inactive for more than 2 years, the creditor or financial institution shall follow reasonable policies and procedures that provide for notice to be given to a consumer in a manner reasonably designed to reduce the likelihood of identity theft with respect to such account. ( 3 ) Consistency with verification requirements. Guidelines established pursuant to paragraph ( 1 ) shall not be inconsistent with the policies and procedures required under section 5318 ( l ) of title 31, United States Code. ( 4 ) Definitions. As used in this subsection, the term creditor ( A ) means a creditor, as defined in section 702 of the Equal Credit Opportunity Act ( 15 U.S.C. 1691a ), that regularly and in the ordinary course of business ( i ) obtains or uses consumer reports, directly or indirectly, in connection with a credit transaction ; ( ii ) furnishes information to consumer reporting agencies, as described in section 623, in connection with a credit transaction ; or ( iii ) advances funds to or on behalf of a person, based on an obligation of the person to repay the funds or repayable from specific property pledged by or on behalf of the person ; ( B ) does not include a creditor described in subparagraph ( A ) ( iii ) that advances funds on behalf of a person for expenses incidental to a service provided by the creditor to that person ; and ( C ) includes any other type of creditor, as defined in that section 702, as the agency described in paragraph ( 1 ) having authority over that creditor may determine appropriate by rule promulgated by that agency, based on a determination that such creditor offers or maintains accounts that are subject to a reasonably foreseeable risk of identity theft. ( f ) Prohibition on Sale or Transfer of Debt Caused by Identity Theft ( 1 ) In general. No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 605B has resulted from identity theft. ( 2 ) pplicability. The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction. Nothing in this subsection shall be construed to prohibit ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or 615 - 15 U.S.C. 1681m 77 ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. ( g ) Debt collector communications concerning identity theft. If a person acting as a debt collector ( as that term is defined in title VIII ) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be the result of identity theft, that person shall ( 1 ) notify the third party that the information may be fraudulent or may be the result of identity theft ; and ( 2 ) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person. ( h ) Duties of Users in Certain Credit Transactions ( 1 ) In general. Subject to rules prescribed as provided in paragraph ( 6 ), if any person uses a consumer report in connection with an application for, or a grant, extension, or other provision of, credit on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that person, based in whole or in part on a consumer report, the person shall provide an oral, written, or electronic notice to the consumer in the form and manner required by regulations prescribed in accordance with this subsection. ( 2 ) Timing. The notice required under paragraph ( 1 ) may be provided at the time of an application for, or a grant, extension, or other provision of, credit or the time of communication of an approval of an application for, or grant, extension, or other provision of, credit, except as provided in the regulations prescribed under paragraph ( 6 ). ( 3 ) Exceptions. No notice shall be required from a person under this subsection if ( A ) the consumer applied for specific material terms and was granted those terms, unless those terms were initially specified by the person after the transaction was initiated by the consumer and after the person obtained a consumer report ; or ( B ) the person has provided or will provide a notice to the consumer under subsection ( a ) in connection with the transaction. 78 615 - 15 U.S.C. 1681m ( 4 ) Other notice not sufficient. A person that is required to provide a notice under subsection ( a ) can not meet that requirement by providing a notice under this subsection. ( 5 ) Content and delivery of notice. A notice under this subsection shall, at a minimum ( A ) include a statement informing the consumer that the terms offered to the consumer are set based on information from a consumer report ; ( B ) identify the consumer reporting agency furnishing the report ; ( C ) include a statement informing the consumer that the consumer may obtain a copy of a consumer report from that consumer reporting agency without charge ; ( D ) include the contact information specified by that consumer reporting agency for obtaining such consumer reports ( including a toll-free telephone number established by the agency in the case of a consumer reporting agency described in section 603 ( p ) ) ; and ( E ) include a statement informing the consumer of ( i ) a numerical credit score as defined in section 609 ( f ) ( 2 ) ( A ), used by such person in making the credit decision described in paragraph ( 1 ) based in whole or in part on any information in a consumer report ; and ( ii ) the information set forth in subparagraphs ( B ) through ( E ) of section 609 ( f ) ( 1 ). See also 16 CFR Part 610 75 Fed. Reg. 2724 ( XX/XX/XXXX ) ( 6 ) Rulemaking ( A ) Rules required. The Bureau shall prescribe rules to carry out this subsection. ( B ) Content. Rules required by subparagraph ( A ) shall address, but are not limited to ( i ) the form, content, time, and manner of delivery of any notice under this subsection ; ( ii ) clarification of the meaning of terms used in this subsection, including what credit terms are material, and when credit terms are materially less favorable ; 616 - 15 U.S.C. 1681n ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report. ( 7 ) Compliance. A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section. ( 8 ) Enforcement ( A ) No civil actions. Sections 616 and 617 shall not apply to any failure by any person to comply with this section. ( B ) Administrative enforcement. This section shall be enforced exclusively under section 621 by the Federal agencies and officials identified in that section. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorneys fees. Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. ( d ) Clarification of willful noncompliance. For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and the date of the enactment of this subsection but otherwise complied with the requirements of section 605 ( g ) for such receipt shall not be in willful noncompliance with section 605 ( g ) by reason of printing such expiration date on the receipt. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. As the Federal Register Notice explains, Congress mandated the formula, which includes a catch-up for inflation. Based on that recalculation, here are some of the new consumer protection-related civil penalties that will take effect on XX/XX/XXXX. Share This Page Appliances Automobiles Clothing and Textiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing Advertising and Marketing Basics Privacy and Security Children 's Privacy Credit Reporting Section 5 ( l ) of the FTC Act ( violations of final Commission orders issued under section 5 ( b ) of the FTC Act ) increase from {$16000.00} to {$40000.00} Sections 5 ( m ) ( 1 ) ( A ) and 5 ( m ) ( 1 ) ( B ) of the FTC Act ( violations of certain trade regulation rules and other laws enforced by the FTC with civil penalty provisions ) increase from {$16000.00} to {$40000.00} Section 10 of the FTC Act ( failure to file required reports ) increase from {$210.00} to {$520.00} Section 6 ( b ) of the Wool Products Labeling Act ( failure to maintain required records ) increase from {$210.00} to {$520.00} Sections 3 ( e ) and 8 ( d ) ( 2 ) of the Fur Products Labeling Act ( failure to maintain required records ) increase from {$210.00} to {$520.00} Section 333 ( a ) of the Energy Policy and Conservation Act ( knowing violations of EPCA 332, including labeling violations ) increase from {$210.00} to {$430.00} Section 525 ( a ) of the Energy Policy and Conservation Act ( recycled oil labeling violations ) increase from {$8500.00} to {$21000.00} Section 621 ( a ) ( 2 ) of the Fair Credit Reporting Act ( knowing violations of the FCRA ) increase from {$3500.00} to {$3700.00}. Consult the Federal Register Notice for the complete list, including civil penalty recalculations for competition-related statutes.
Additionally, EQUIFAX stated they needed additional authorization on my first filed CFPB Complaint ; however, EQUIFAX wants me to contact them directly to determine my identity when the CFPB method is perfectly legal and sound.
EQUIFAX is in direct violation of the Fair Credit Reporting Act, per the Federal Trade Commission ( FTC ) by not providing the appropriate information to gain authorization to continue the credit reporting investigation, please see previous Consumer Financial Protection Bureau ( CFPB ) XXXX Complaint filed ; additionally, please see my Marriage Certificate, indicating a name change in XXXX. Further, the original EQUIFAX investigation must continue.
If EQUIFAX continues with administrative games, I will have no choice but to contact my attorney to begin litigation procedures.
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08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Equifax continues to report inaccurate information, There are several nonmailable addresses on my consumer report. My name is XXXX XXXX. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Any other information is not correct and Equifax will not remove the information.
162.6 Reasonable opportunity to opt out.
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.
( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.
( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.
( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.
( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.
( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.
( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after September 30, 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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08/08/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Equifax continues to report inaccurate information, There are several nonmailable addresses on my consumer report. My name is XXXX XXXX. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX. Any other information is not correct and Equifax will not remove the information.
162.6 Reasonable opportunity to opt out.
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.
( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.
( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.
( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.
( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.
( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.
( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Equifax continues to report inaccurate information, There are several nonmailable addresses on my consumer report. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Any other information is not correct and Equifax will not remove the information.
162.6 Reasonable opportunity to opt out.
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.
( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.
( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.
( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.
( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.
( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.
( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Please be advised that this is my 2nd / THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I understand that cfpb complaint system is not read by anyone but Im more than happy to mail in copies Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous and closing them immediacy. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them. XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ). It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
( E ) Rehabilitation of private education loans ( i ) In general Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if ( I ) the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and ( II ) the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.
( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.
( II ) Feedback An appropriate Federal banking agency shall provide feedback to a financial institution within 120 days of a request for approval under subclause ( I ).
( iii ) Limitation ( I ) In general A consumer may obtain the benefits available under this subsection with respect to rehabilitating a loan only 1 time per loan.
( II ) Rule of construction Nothing in this subparagraph may be construed to require a financial institution to offer a loan rehabilitation program or to remove any reported default from a consumer report as a consideration of a loan rehabilitation program, except as described in clause ( i ).
( iv ) Definitions For purposes of this subparagraph ( I ) the term appropriate Federal banking agency has the meaning given the term in section 1813 of title 12 ; and ( II ) the term private education loan has the meaning given the term in section 1650 ( a ) of this title.
( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.
( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( 4 ) Duty to provide notice of closed accounts A person who regularly and in the ordinary course of business furnishes information to a consumer reporting agency regarding a consumer who has a credit account with that person shall notify the agency of the voluntary closure of the account by the consumer, in information regularly furnished for the period in which the account is closed.
( 5 ) Duty to provide notice of delinquency of accounts ( A ) In general A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
( B ) Rule of construction For purposes of this paragraph only, and provided that the consumer does not dispute the information, a person that furnishes information on a delinquent account that is placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time at which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency ; ( ii ) the creditor did not previously report the date of delinquency to a consumer reporting agency, and the person establishes and follows reasonable procedures to obtain the date of delinquency from the creditor or another reliable source and reports that date to a consumer reporting agency as the date of delinquency ; or ( iii ) the creditor did not previously report the date of delinquency to a consumer reporting agency and the date of delinquency can not be reasonably obtained as provided in clause ( ii ), the person establishes and follows reasonable procedures to ensure the date reported as the date of delinquency precedes the date on which the account is placed for collection, charged to profit or loss, or subjected to any similar action, and reports such date to the credit reporting agency.
( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title.
( ii ) Coordination with new account disclosures If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 1637 ( a ) of this title.
( C ) Coordination with other disclosures The notice required under subparagraph ( A ) ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the customer; and ( ii ) must be clear and conspicuous.
( D ) Model disclosure ( i ) Duty of Bureau The Bureau shall prescribe a brief model disclosure that a financial institution may use to comply with subparagraph ( A ), which shall not exceed 30 words.
( ii ) Use of model not required No provision of this paragraph may be construed to require a financial institution to use any such model form prescribed by the Bureau.
( iii ) Compliance using model A financial institution shall be deemed to be in compliance with subparagraph ( A ) if the financial institution uses any model form prescribed by the Bureau under this subparagraph, or the financial institution uses any such model form and rearranges its format.
( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.
( F ) Safe harbor A financial institution shall not be liable for failure to perform the duties required by this paragraph if, at the time of the failure, the financial institution maintained reasonable policies and procedures to comply with this paragraph or the financial institution reasonably believed that the institution is prohibited, by law, from contacting the consumer.
( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.
( ii ) Customer ; financial institution The terms customer and financial institution have the same meanings as in section 6809 of this title.
( 8 ) Ability of consumer to dispute information directly with furnisher ( A ) In general The Bureau, in consultation with the Federal Trade Commission, the Federal banking agencies, and the XXXX XXXX XXXX XXXX, shall prescribe regulations that shall identify the circumstances under which a furnisher shall be required to reinvestigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.
( B ) Considerations In prescribing regulations under subparagraph ( A ), the agencies shall weigh ( i ) the benefits to consumers with the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity of consumer reports of any such requirements ; ( iii ) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on the credit reporting process if credit repair organizations, as defined in section 1679a ( 3 ) of this title, including entities that would be a credit repair organization, but for section 1679a ( 3 ) ( B ) ( i ) of this title, are able to circumvent the prohibition in subparagraph ( G ).
( C ) Applicability Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ).
( D ) Submitting a notice of dispute A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute.
( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
( F ) Frivolous or irrelevant dispute ( i ) In general This paragraph shall not apply if the person receiving a notice of a dispute from a consumer reasonably determines that the dispute is frivolous or irrelevant, including ( I ) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information ; or ( II ) the submission by a consumer of a dispute that is substantially the same as a dispute previously submitted by or for the consumer, either directly to the person or through a consumer reporting agency under subsection ( b ), with respect to which the person has already performed the persons duties under this paragraph or subsection ( b ), as applicable.
( ii ) Notice of determination Upon making any determination under clause ( i ) that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person.
( iii ) Contents of notice A notice under clause ( ii ) shall include ( I ) the reasons for the determination under clause ( i ) ; and ( II ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( G ) Exclusion of credit repair organizations This paragraph shall not apply if the notice of the dispute is submitted by, is prepared on behalf of the consumer by, or is submitted on a form supplied to the consumer by, a credit repair organization, as defined in section 1679a ( 3 ) of this title, or an entity that would be a credit repair organization, but for section 1679a ( 3 ) ( B ) ( i ) of this title.
( 9 ) Duty to provide notice of status as medical information furnisher A person whose primary business is providing medical services, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status.
( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
( 2 ) Deadline A person shall complete all investigations, reviews, and reports required under paragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that section regarding that information.
( c ) Limitation on liability Except as provided in section 1681s ( c ) ( 1 ) ( B ) of this title, sections 1681n and 1681o of this title do not apply to any violation of ( 1 ) subsection ( a ) of this section, including any regulations issued thereunder ; ( 2 ) subsection ( e ) of this section, except that nothing in this paragraph shall limit, expand, or otherwise affect liability under section 1681n or 1681o of this title, as applicable, for violations of subsection ( b ) of this section; or ( 3 ) subsection ( e ) of section 1681m of this title.
( d ) Limitation on enforcement The provisions of law described in paragraphs ( 1 ) through ( 3 ) of subsection ( c ) ( other than with respect to the exception described in paragraph ( 2 ) of subsection ( c ) ) shall be enforced exclusively as provided under section 1681s of this title by the Federal agencies and officials and the State officials identified in section 1681s of this title.
( e ) Accuracy guidelines and regulations required ( 1 ) Guidelines The Bureau shall, with respect to persons or entities that are subject to the enforcement authority of the Bureau under section 1681s of this title ( A ) establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary ; and ( B ) prescribe regulations requiring each person that furnishes information to a consumer reporting agency to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ).
( 2 ) Criteria In developing the guidelines required by paragraph ( 1 ) ( A ), the Bureau shall ( A ) identify patterns, practices, and specific forms of activity that can compromise the accuracy and integrity of information furnished to consumer reporting agencies ; ( B ) review the methods ( including technological means ) used to furnish information relating to consumers to consumer reporting agencies ; ( C ) determine whether persons that furnish information to consumer reporting agencies maintain and enforce policies to ensure the accuracy and integrity of information furnished to consumer reporting agencies ; and ( D ) examine the policies and processes that persons that furnish information to consumer reporting agencies employ to conduct reinvestigations and correct inaccurate information relating to consumers that has been furnished to consumer reporting agencies.
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
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08/24/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 6801-6805, The Privacy Act of 1974 as well as inaccurate reporting per the IRS Publication 4681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the IRS Publication 4681- A Charge off is a certificate of Indebtment that is now considered income, which needs to be reported on my Income Tax. Income can not be reported to your credit report. Congressional findings and statement of purpose if you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. There is 100 % improper use of the credit report. XXXX HAS 1000 % VIOLATED THE FCRA, AND I'M HIGHLY UPSET ABOUT THIS. I FOUND MANY INACCURACIES ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, and driver 's license. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the EQUIFAX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE FRAUD. I've spoken to a lawyer, and they told me that I COULD EASILY take THIS to court AND FINE XXXX to all 3 credit reporting agencies. I DEMAND XXXX, EQUIFAX, and XXXX, CORRECT ALL OF THESE ACCOUNTS ON THE CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ACCOUNTS TO SHOW AS PAID AS AGREED WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE INACCURACIES DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE CORRECTION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE UPDATED ON THE CREDIT REPORT ASAP. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result I also AM seeking monetary relief of {$1000.00} per violation for : ( 1 ) Deformation of character ( 2 ) Negligent infliction of emotional distress ( 3 ) Violations of 15 U.S.C. 1681 & 15 U.S.C. 6801-6805 : 6801-Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information. ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 6803- ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included the disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, the Trust Territory of the XXXX XXXX, the Virgin Islands, or the XXXX XXXX XXXX. ( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( 3 ) Timing A model form required to be d eveloped by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX. ( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ). 6804- ( a ) Regulatory authority ( 1 ) Rulemaking ( A ) In general Except as provided in subparagraph ( C ), the Bureau of Consumer Financial Protection and the Securities and Exchange Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section 6805 of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ] ), except that the Bureau of Consumer Financial Protection shall not have authority to prescribe regulations with respect to the standards under section 6801 of this title. ( B ) CFTC The Commodity Futures Trading Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to the jurisdiction of the Commodity Futures Trading Commission under section 7b2 of title 7. ( C ) Federal Trade Commission authority Notwithstanding the authority of the Bureau of Consumer Financial Protection under subparagraph ( A ), the Federal Trade Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to any financial institution that is a person described in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ]. ( D ) Rule of construction Nothing in this paragraph shall be construed to alter, affect, or otherwise limit the authority of a State insurance authority to adopt regulations to carry out this subchapter. ( 2 ) Coordination, consistency, and comparability Each of the agencies authorized under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and, as appropriate, and with [ 1 ] representatives of Sta te insurance authorities designated by the XXXX XXXX XXXX XXXX XXXX, for the purpose of assuring, to the extent possible, that the regulations prescribed by each such agency are consistent and comparable with the regulations prescribed by the other such agencies. ( 3 ) Procedures and deadline Such regulations shall be prescribed in accordance with applicable requirements of title 5. ( b ) Authority to grant exceptions The regulations prescribed under subsection ( a ) may include such additional exceptions to subsections ( a ) through ( d ) of section 6802 of this title as are deemed consistent with the purposes of this subchapter. 6805- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the F ederal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity. ( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. ( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ). ( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12. ( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I look forward to a prompt and thorough investigation, followed by the appropriate actions to rectify the violations and update my credit file accordingly. These examples demonstrate a systematic pattern of noncompliance with the FCRA and consumer law by the credit bureaus. Their actions have caused significant harm to my credit profile, making it essential for immediate action to rectify the violations and update my credit file accordingly. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate measures to hold the credit bureaus accountable for their noncompliance with consumer protection laws. It is crucial to protect consumers ' rights and ensure fair and accurate credit reporting practices. Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rights under the FCRA.
In addition if the concern is not resolved as requested, I will be filing a complaint with the Federal Trade Commission, the Securities Exchange Commission for securities fraud ( I am aware that Equifax, XXXX, and XXXX are committing securities fraud by selling my information on the secondary market as per all 3 Master Trust indication. ), and I will file a FOIA request regarding 1099s that have been submitted under my name, but not provided to me.
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06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I recently took a look at my credit profile with XXXX, Equifax, & XXXX and discovered accounts that are not mines and were fraudulent. I have the following accounts that need to be removed from my profile immediately as it is severely affecting my quality of living.
1. XXXX XXXX XXXX XXXX {$4700.00} 2. XXXX XXXX XXXX {$2500.00} 3. XXXX {$2000.00} I have tried reaching out to the bureaus and they keep telling me that there isn't much they can do. It's not fair that someone can do this and the credit bureaus seem clueless as to how to help victims.
I do understand under the F.C.R.A that consumers have the right to have items removed when they are inaccurate or in my case a result of identity theft.
605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.
( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.
( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.
( C ) Subparagraph ( A ) does not apply if ( i ) the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information ( as defined in section 604 ( b ) ( 4 ) ( E ) ( i ) ) ; and ( ii ) the head of the agency or department makes a written finding as prescribed under section 604 ( b ) ( 4 ) ( A ).
( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.
( 5 ) A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer.
( 6 ) If the consumer requests the credit file and not the credit score, a statement that the consumer may request and obtain a credit score.
( b ) Exempt information. The requirements of subsection ( a ) of this section respecting the disclosure of sources of information and the recipients of consumer reports do not apply to information received or consumer reports furnished prior to the effective date of this title except to the extent that the matter involved is contained in the files of the consumer reporting agency on that date.
( c ) Summary of Rights to Obtain and Dispute Information in Consumer Reports and to Obtain Credit Scores ( 1 ) Bureau Summary of Rights Required ( A ) In general. The Bureau shall prepare a model summary of the rights of consumers under this title.
( B ) Content of summary. The summary of rights prepared under subparagraph ( A ) shall include a description of ( i ) the right of a consumer to obtain a copy of a consumer report under subsection ( a ) from each consumer reporting agency ; ( ii ) the frequency and circumstances under which a consumer is entitled to receive a consumer report without charge under section 612 ; ( iii ) the right of a consumer to dispute information in the file of the consumer under section 611 ; ( iv ) the right of a consumer to obtain a credit score from a consumer reporting agency, and a description of how to obtain a credit score ; ( v ) the method by which a consumer can contact, and obtain a consumer report from, a consumer reporting agency without charge, as provided in the regulations of the Bureau prescribed under section 211 ( c ) of the Fair and Accurate Credit Transactions Act of 2003 ; and ( vi ) the method by which a consumer can contact, and obtain a consumer report from, a consumer reporting agency described in section 603 ( w ), as provided in the regulations of the Bureau prescribed under section 612 ( a ) ( 1 ) ( C ).
( C ) Availability of summary of rights. The Bureau shall ( i ) actively publicize the availability of the summary of rights prepared under this paragraph ; ( ii ) conspicuously post on its Internet website the availability of such summary of rights ; and ( iii ) promptly make such summary of rights available to consumers, on request.
( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( A ) the summary of rights prepared by the Bureau under paragraph ( 1 ) ; ( B ) in the case of a consumer reporting agency described in section 603 ( p ), a toll-free telephone number established by the agency, at which personnel are accessible to consumers during normal business hours ; ( C ) a list of all Federal agencies responsible for enforcing any provision of this title, and the address and any appropriate phone number of each such agency, in a form that will assist the consumer in selecting the appropriate agency ; ( D ) a statement that the consumer may have additional rights under State law, and that the consumer may wish to contact a State or local consumer protection agency or a State attorney general ( or the equivalent thereof ) to learn of those rights ; and ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified.
( d ) Summary of Rights of Identity Theft Victims ( 1 ) In general. The Bureau, in consultation with the Federal banking agencies and the National Credit Union Administration, shall prepare a model summary of the rights of consumers under this title with respect to the procedures for remedying the effects of fraud or identity theft involving credit, an electronic fund transfer, or an account or transaction at or with a financial institution or other creditor.
( 2 ) Summary of rights and contact information. Beginning 60 days after the date on which the model summary of rights is prescribed in final form by the Bureau pursuant to paragraph ( 1 ), if any consumer contacts a consumer reporting agency and expresses a belief that the consumer is a victim of fraud or identity theft involving credit, an electronic fund transfer, or an account or transaction at or with a financial institution or other creditor, the consumer reporting agency shall, in addition to any other action that the agency may take, provide the consumer with a summary of rights that contains all of the information required by the Bureau under paragraph ( 1 ), and information on how to contact the Bureau to obtain more detailed information.
( e ) Information Available to Victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection.
( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity ( A ) as proof of positive identification of the victim, at the election of the business entity ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victim 's request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed ( I ) copy of a standardized affidavit of identity theft developed and made available by the Bureau ; or ( II ) an affidavit of fact that is acceptable to the business entity for that purpose.
( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number.
( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge.
( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a person 's visit to a website or online service.
( 6 ) Limitation on liability. Except as provided in section 621, sections 616 and 617 do not apply to any violation of this subsection.
( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection.
( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law.
( 9 ) Rule of Construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection.
( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law.
( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that ( A ) the business entity has made a reasonably diligent search of its available business records ; and ( B ) the records requested under this subsection do not exist or are not reasonably available.
( 11 ) Definition of victim. For purposes of this subsection, the term " victim '' means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime.
( 12 ) Effective date. This subsection shall become effective 180 days after the date of enactment of this subsection.
( 13 ) Effectiveness study. Not later than 18 months after the date of enactment of this subsection, the Comptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision.
( f ) Disclosure of Credit Scores ( 1 ) In general. Upon the request of a consumer for a credit score, a consumer reporting agency shall supply to the consumer a statement indicating that the information and credit scoring model may be different than the credit score that may be used by the lender, and a notice which shall include ( A ) the current credit score of the consumer or the most recent credit score of the consumer that was previously calculated by the credit reporting agency for a purpose related to the extension of credit ; ( B ) the range of possible credit scores under the model used ; ( C ) all of the key factors that adversely affected the credit score of the consumer in the model used, the total number of which shall not exceed 4, subject to paragraph ( 9 ) ; ( D ) the date on which the credit score was created ; and ( E ) the name of the person or entity that provided the credit score or credit file upon which the credit score was created.
( 2 ) Definitions. For purposes of this subsection, the following definitions shall apply : ( A ) The term " credit score '' ( i ) means a numerical value or a categorization derived from a statistical tool or modeling system used by a person who makes or arranges a loan to predict the likelihood of certain credit behaviors, including default ( and the numerical value or the categorization derived from such analysis may also be referred to as a " risk predictor '' or " risk score '' ) ; and ( ii ) does not include ( I ) any mortgage score or rating of an automated underwriting system that considers one or more factors in addition to credit information, including the loan to value ratio, the amount of down payment, or the financial assets of a consumer ; or ( II ) any other elements of the underwriting process or underwriting decision.
( B ) The term " key factors '' means all relevant elements or reasons adversely affecting the credit score for the particular individual, listed in the order of their importance based on their effect on the credit score.
( 3 ) Timeframe and manner of disclosure. The information required by this subsection shall be provided in the same timeframe and manner as the information described in subsection ( a ).
( 4 ) Applicability to certain uses. This subsection shall not be construed so as to compel a consumer reporting agency to develop or disclose a score if the agency does not ( A ) distribute scores that are used in connection with residential real property loans ; or ( B ) develop scores that assist credit providers in understanding the general credit behavior of a consumer and predicting the future credit behavior of the consumer.
( 5 ) Applicability to credit scores developed by another person.
( A ) In general. This subsection shall not be construed to require a consumer reporting agency that distributes credit scores developed by another person or entity to provide a further explanation of them, or to process a dispute arising pursuant to section 611, except that the consumer reporting agency shall provide the consumer with the name and address and website for contacting the person or entity who developed the score or developed the methodology of the score.
( B ) Exception. This paragraph shall not apply to a consumer reporting agency that develops or modifies scores that are developed by another person or entity.
( 6 ) Maintenance of credit scores not required. This subsection shall not be construed to require a consumer reporting agency to maintain credit scores in its files.
( 7 ) Compliance in certain cases. In complying with this subsection, a consumer reporting agency shall ( A ) supply the consumer with a credit score that is derived from a credit scoring model that is widely distributed to users by that consumer reporting agency in connection with residential real property loans or with a credit score that assists the consumer in understanding the credit scoring assessment of the credit behavior of the consumer and predictions about the future credit behavior of the consumer ; and ( B ) a statement indicating that the information and credit scoring model may be different than that used by the lender.
( 8 ) Fair and reasonable fee. A consumer reporting agency may charge a fair and reasonable fee, as determined by the Bureau, for providing the information required under this subsection. See also 69 Fed. Reg. 64698 ( 11/08/04 ) ( 9 ) Use of enquiries as a key factor. If a key factor that adversely affects the credit score of a consumer consists of the number of enquiries made with respect to a consumer report, that factor shall be included in the disclosure pursuant to paragraph ( 1 ) ( C ) without regard to the numerical limitation in such paragraph.
( g ) Disclosure of Credit Scores by Certain Mortgage Lenders ( 1 ) In general. Any person who makes or arranges loans and who uses a consumer credit score, as defined in subsection ( f ), in connection with an application initiated or sought by a consumer for a closed end loan or the establishment of an open end loan for a consumer purpose that is secured by 1 to 4 units of residential real property ( hereafter in this subsection referred to as the " lender '' ) shall provide the following to the consumer as soon as reasonably practicable : ( A ) Information Required under Subsection ( f ) ( i ) In general. A copy of the information identified in subsection ( f ) that was obtained from a consumer reporting agency or was developed and used by the user of the information.
( ii ) Notice under subparagraph ( D ). In addition to the information provided to it by a third party that provided the credit score or scores, a lender is only required to provide the notice contained in subparagraph ( D ).
( B ) Disclosures in Case of Automated Underwriting System ( i ) In general. If a person that is subject to this subsection uses an automated underwriting system to underwrite a loan, that person may satisfy the obligation to provide a credit score by disclosing a credit score and associated key factors supplied by a consumer reporting agency.
( ii ) Numerical credit score. However, if a numerical credit score is generated by an automated underwriting system used by an enterprise, and that score is disclosed to the person, the score shall be disclosed to the consumer consistent with subparagraph ( c ).
( iii ) Enterprise defined. For purposes of this subparagraph, the term " enterprise '' has the same meaning as in paragraph ( 6 ) of section 1303 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992.
( C ) Disclosures of credit scores not obtained from a consumer reporting agency.
A person that is subject to the provisions of this subsection and that uses a credit score, other than a credit score provided by a consumer reporting agency, may satisfy the obligation to provide a credit score by disclosing a credit score and associated key factors supplied by a consumer reporting agency.
( D ) Notice to home loan applicants. A copy of the following notice, which shall include the name, address, and telephone number of each consumer reporting agency providing a credit score that was used : " Notice To The Home Loan Applicant " In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.
" The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file.
The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change.
" Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one company to another.
" If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application.
" If you have questions concerning the terms of the loan, contact the lender. '' ( E ) Actions not required under this subsection. This subsection shall not require any person to ( i ) explain the information provided pursuant to subsection ( f ) ; ( ii ) disclose any information other than a credit score or key factors, as defined in subsection ( f ) ; ( iii ) disclose any credit score or related information obtained by the user after a loan has closed ; ( iv ) provide more than 1 disclosure per loan transaction ; or ( v ) provide the disclosure required by this subsection when another person has made the disclosure to the consumer for that loan transaction.
( F ) No Obligation for Content ( i ) In general. The obligation of any person pursuant to this subsection shall be limited solely to providing a copy of the information that was received from the c
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08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 6801-6805, The Privacy Act of 1974 as well as inaccurate reporting per the IRS Publication 4681. XXXX XXXX : # XXXX. XXXX XXXX : # XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX : # XXXX. XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX. According to the IRS Publication XXXX A Charge off is a certificate of Indebtment that is now considered income, which needs to be reported on my Income Tax. XXXX can not be reported to your credit report. Congressional findings and statement of purpose if you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. There is 100 % improper use of the credit report. XXXX HAS 1000 % VIOLATED THE FCRA, AND I'M HIGHLY UPSET ABOUT THIS. I FOUND MANY INACCURACIES ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, and driver 's license. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the EQUIFAX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE FRAUD. I've spoken to a lawyer, and they told me that I COULD EASILY take THIS to court AND FINE XXXX to all XXXX credit reporting agencies. I DEMAND XXXX, EQUIFAX, and XXXX, CORRECT ALL OF THESE ACCOUNTS ON THE CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ACCOUNTS TO SHOW AS PAID AS AGREED WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE INACCURACIES DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE CORRECTION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE UPDATED ON THE CREDIT REPORT ASAP. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result I also AM seeking monetary relief of {$1000.00} per violation for : ( 1 ) Deformation of character ( 2 ) Negligent infliction of emotional distress ( 3 ) Violations of 15 U.S.C. 1681 & 15 U.S.C. 6801-6805 : 6801-Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information. ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( XXXX ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( XXXX ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 6803- ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included the disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, the Trust Territory of the XXXX XXXX, the XXXX XXXX, or the XXXX XXXX XXXX. ( XXXX ) Model forms ( XXXX ) In general The agencies referred to in section XXXX ( a ) ( XXXX ) of this title shall jointly develop a model form which XXXX be used, at the option of the financial institution, for the provision of disclosures under this section. ( XXXX ) Format A model form developed under paragraph ( XXXX ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( XXXX ) Timing A model form required to be d eveloped by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX. ( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ). 6804- ( a ) Regulatory authority ( 1 ) Rulemaking ( A ) In general Except as provided in subparagraph ( C ), the Bureau of Consumer Financial Protection and the Securities and Exchange Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section 6805 of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ] ), except that the XXXX XXXX XXXX XXXX XXXX XXXX not have authority to prescribe regulations with respect to the standards under section 6801 of this title. ( B ) CFTC The Commodity Futures Trading Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to the jurisdiction of the Commodity Futures Trading Commission under section 7b2 of title 7. ( C ) Federal Trade Commission authority Notwithstanding the authority of the XXXX XXXX XXXX XXXX XXXX under subparagraph ( A ), the Federal Trade Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to any financial institution that is a person described in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ]. ( D ) Rule of construction Nothing in this paragraph shall be construed to alter, affect, or otherwise limit the authority of a State insurance authority to adopt regulations to carry out this subchapter. ( 2 ) Coordination, consistency, and comparability Each of the agencies authorized under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and, as appropriate, and with [ 1 ] representatives of Sta te insurance authorities designated by the National Association of Insurance Commissioners, for the purpose of assuring, to the extent possible, that the regulations prescribed by each such agency are consistent and comparable with the regulations prescribed by the other such agencies. ( 3 ) Procedures and deadline Such regulations shall be prescribed in accordance with applicable requirements of title 5. ( b ) Authority to grant exceptions The regulations prescribed under subsection ( a ) may include such additional exceptions to subsections ( a ) through ( d ) of section 6802 of this title as are deemed consistent with the purposes of this subchapter. 6805- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( B ) member banks of the Federal Reserve XXXX ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the XXXX XXXX XXXX XXXX XXXX ( other than members of the Federal Reserve XXXX ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the XXXX XXXX XXXX XXXX, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( XXXX ) Under the XXXX XXXX XXXX XXXXt [ 12 U.S.C. 1751 et seq. ], by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX with respect to any federally insured credit union, and any subsidiaries of such an entity. ( XXXX ) Under the XXXX XXXX XXXX of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the XXXX XXXX XXXX of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the XXXX Advisers XXXX of XXXX [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the XXXX under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle E of the XXXX XXXX XXXX XXXX of XXXX [ 12 U.S.C. 5561 et seq. ], by the XXXX XXXX XXXX XXXX XXXX, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the XXXX and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the XXXX XXXX XXXX XXXX XXXX, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. ( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ). ( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12. ( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( XXXX ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I look forward to a prompt and thorough investigation, followed by the appropriate actions to rectify the violations and update my credit file accordingly. These examples demonstrate a systematic pattern of noncompliance with the FCRA and consumer law by the credit bureaus. Their actions have caused significant harm to my credit profile, making it essential for immediate action to rectify the violations and update my credit file accordingly. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate measures to hold the credit bureaus accountable for their noncompliance with consumer protection laws. It is crucial to protect consumers ' rights and ensure fair and accurate credit reporting practices. Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rights under the FCRA.
In addition if the concern is not resolved as requested, I will be filing a complaint with the Federal Trade Commission, the Securities Exchange Commission for securities fraud ( I am aware that Equifax, XXXX, and XXXX are committing securities fraud by selling my information on the secondary market as per all XXXX XXXX XXXX indication. ), and I will file a FOIA request regarding XXXX that have been submitted under my name, but not provided to me.
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09/24/2023 |
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- Credit reporting or other personal consumer reports
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- Improper use of your report
- Reporting company used your report improperly
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XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. The information listed is not accurate and continues to cause me harm.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( XXXX ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( XXXX ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the XXXX XXXX XXXX XXXX XXXX ( as in effect on XX/XX/XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Under 15 US Code 1681b Permissable Purposes of Consumer Reports. they have violated my rights. I never gave permission for any other this to be put on my credit report. I want everything removed immediately.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( XXXX ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. XXXX or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XX/XX/XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
( Pub. L. 90321, title VI, 604, as added Pub. L. 91508, title VI, 601, XXXX XXXX, XXXX, 84 Stat. 1129 ; amended Pub. XXXX XXXX, title XXXX, XXXX ( c ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. L. 104193, title III, 352, XXXX XXXX, XXXX, 110 Stat. 2240 ; Pub. L. 104208, XXXX. A, title II, 2403, 2404 ( a ), ( b ), 2405, XXXX XXXX, XXXX, 110 Stat. 3009430, 3009431, 3009433, 3009434 ; Pub. L. 105107, title III, 311 ( a ), XXXX XXXX, XXXX, 111 Stat. 2255 ; Pub. L. 105347, 2, 3, 6 ( 4 ), XXXX XXXX, XXXX, 112 Stat. 3208, 3210, 3211 ; Pub. L. 107306, title VIII, 811 ( b ) ( 8 ) ( A ), XXXX XXXX, XXXX, 116 Stat. 2426 ; Pub. L. 108159, title II, 213 ( c ), title IV, 411 ( a ), 412 ( f ), title VIII, 811 ( b ), XXXX XXXX, XXXX, 117 Stat. 1979, 1999, 2003, 2011 ; Pub. L. 108177, title III, 361 ( j ), XXXX XXXX, XXXX, 117 Stat. 2625 ; Pub. L. 109351, title VII, 719, XXXX XXXX, XXXX, 120 Stat. 1998 ; Pub. L. 110161, div. D, title VII, 743, XXXX XXXX, XXXX, 121 Stat. 2033 ; Pub. L. 11124, title III, 302, XX/XX/XXXX, 123 Stat. 1748 ; Pub. L. 111203, title X, 1088 ( a ) ( 2 ) ( A ), ( 4 ), XX/XX/XXXX, 124 Stat. 2087 ; Pub. L. 11494, div. G, title LXXX, 80001, XXXX XXXX, XXXX, 129 Stat. 1792 ; Pub. L. 116283, div. F, title LXIII, 6308 ( b ), XXXX XXXX, XXXX, 134 Stat. 4594. )
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08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Equifax continues to report a collection account that is not valid. Under UCC 3-203 although a contract is transferred to a third party it does not give them a right to collect.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XX/XX/XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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- Credit reporting or other personal consumer reports
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Equifax, XXXX and XXXX continues to report a collection account that is not valid. Under UCC 3-203 although a contract is transferred to a third party it does not give them a right to collect. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding. ( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought. ( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank. ( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders. ( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. ( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system. ( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency. ( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than XXXX days after XXXX XXXX XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ). ( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates. ( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title. ( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit. ( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of XXXX, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ). ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. ( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes. ( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Exhibit A Update My Personal Information XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This is my second time writing you to update my personal information.
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to wany of these addresses please delete these outdated addresses and update the address with the one above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Please send an updated credit report once the changes are complete to my contact information listed.
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSincerely, XXXX XXXX Exhibit B Permissible purpose of consumer reports To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I am writing this letter to dispute and file a Complaint the following accounts XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX Exhibit C IDENTITY THEFT To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports.
IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX, Equifax, XXXX have aided this Fraud by not verifying these accounts.
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
List Account/s here : XXXX XXXX XXXXXXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX open XX/XX/XXXX Balance XXXXInquires Pursuant 15 U.S. Code 1681c 2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law. I demand all the above Fraudulent accounts DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ), FTC, XXXX Attorney Generals Office in your state and Mine.
Thank you, XXXX XXXX Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card FTC identity theft Report Police report Exhibit D DEBT VALIDATION LETTER Validation of a Debt Request Pursuant to 15 USC 1692g.
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Equifax or XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following :? Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt.
? Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
? Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
? All statements while this account was open.
? Have any insurance claims been made by any creditor regarding this account?
o Yes o No? Have any Judgements been obtained by any creditor regarding this account?
o Yes o No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information.
Thank You.
Exhibit E PERMISSIBLE PURPOSE LETTER To whom it may concern, I, XXXX XXXX, never gave XXXX, XXXX, and Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute/ complaint.
You also do not have any permissible purpose to furnish my personal information to any third party.
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX Sincerely, XXXX XXXX Exhibit F Truth in Lending Act To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
I demand this account/s be deleted from my consumer report.
Best regards, XXXX XXXX Exhibit G FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
( c ) Authority to decline or rescind.
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material Misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers.
( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer Of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.
( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Best regards, XXXX XXXX Exhibit H THE UNITED STATES CONGRESSIONAL CODE TITLE 15, Par. 1681 To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX ( a ) Accuracy and fairness of credit reporting.
The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures.
It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Best regards, XXXX XXXX Exhibit I 15 U.S. Code 1681 -Congressional findings and statement of purpose To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX Best regards, XXXX XXXX Exhibit J 15 U.S. Code 1681b Permissible purposes of consumer reports To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX Best regards, XXXX XXXX Exhibit K 15 U.S. Code 1681c -Requirements relating to information contained in consumer reports To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX Exhibit L 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX Best regards, XXXX XXXX Exhibit M FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.
To Whom It May Concern : This concerns the following accounts : XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX The credit report shows this items was deleted from my credit file. Now I notice this item has been reinserted on my credit report. Under the requirements of the FCRA, as provided below, I am here by requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( 1 ) a statement that the disputed information has been reinserted ; ( 2 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( 3 ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. I have received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report.
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01/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX- Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX Each has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX XXXX Account # : XXXX Both has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX ( opened XX/XX/XXXX ) XXXX Account # : XXXX ( opened XX/XX/XXXX ) Both has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXXXXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account XXXX : XXXX ( opened XX/XX/XXXX ) XXXX Account # : XXXX ( opened XX/XX/XXXX ) Both has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account XXXX : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to
privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer
reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Letters were sent out on multiple occasions, but these items still remain.
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10/16/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. There are several nonmailable address on my consumer report and my name is misspelled. This is causing me the consumer harm. To relinquish any claims that I may have here is my corrected information.
My name is XXXX XXXX. I do not go by any other name. You do not have my consent to report any other name.
My XXXX mailing and residential address is : XXXX XXXX XXXX XXXX, GA XXXX. Remove any other addresses they are not mine.
Each reporting agency is required to report accurate information and XXXX, Equifax, and XXXX are not reporting accurate information. Update my consumer report or provide me with documentation to prove the information you are report is actually correct. My consumer identification is attached do not provide me with the generated response.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporti
ng agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety re
gulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consume
r to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy
of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qual
ifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department o
f the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consume
r only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers n
ame and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compli
ance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. The account listed DPT EDXXXX has several inconsistencies which means this account has not been verified. Furthermore each company has a financial gain which is why they will not remove the account although it is reporting inaccurately. Neither company has my written consent to report this account. I have repeatedly asked for the documentation with my wet ink signature that gives XXXX, XXXX, and Equifax inc the right to report this account.
I will be filing form 211 treasury omb forms to audit consumer account. XXXX, XXXX, and Equifax is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after September 30, 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( XXXX ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( XXXX ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to para
graph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. ( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report without my written consent. The account listed XXXX XXXX has a lot of inaccuracies and has not been properly verified. Furthermore any cancellation of debt is considered income per the IRS publication and income can not be reported to any consumer report.
XXXX, XXXX, and Equifax are financial institutions and are paid to report this information which makes their interest a financial one.
XXXX XXXX file number XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after September 30, 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( XXXX ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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- Credit reporting or other personal consumer reports
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX I did not give you written permission to report my personal information to any third party or anyone else. I control what gets reported by law. 15 usc 1681 B. The following have unlawfully reported my personal information without my written consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see law 15 usc 1681b below This website uses cookies to ensure you get the best experience on our website. Learn more Got it! Skip to main content XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b Quick search by citation : Title enter title Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding. ( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought. ( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank. ( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under XXXX Order No. XXXX or successor orders. ( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. ( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system. ( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency. ( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ). ( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates. ( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title. ( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit. ( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model XXXX XXXX XXXX XXXX and XXXX XXXX XXXX issued by the XXXX XXXX XXXX XXXX XXXX ( as in effect on XX/XX/XXXX ) ; ( B ) for any purpose permitted without authorization under the XXXX for XXXX XXXX XXXX XXXX promulgated by the Department XXXX XXXX and XXXX XXXX pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau XXXX the applicable XXXX XXXX XXXX XXXX with respect to any person engaged in providing insurance or annuities ). ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. ( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes. ( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Equifax and XXXX XXXX are inaccurately reporting my consumer account. The account listed XXXX XXXX Account Number XXXX XXXXXXXX. Both Equifax and XXXX XXXX are reporting tis account as charged off but any consumer account that is terminated and has a balance over a {$1.00} it should be refunded to the consumer.
Due to each Equifax and XXXX XXXX making a financial gain for reporting said account they continue to report inaccurately.
EQUIFAX INC. Commission File Number : XXXX XXXX XXXX XXXX XXXX Commission File Number : XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after September 30, 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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03/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am XXXX XXXX, I am submitting this complaint for myself. No third party is involved. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. ( 2 ) Applicable findings, decisions, commentary, and orders. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. ( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. ( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. ( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance. ( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account. ( n ) State. The term State means any State, the Commonwealth of Puerto Rico, the District of Columbia, and any territory or possession of the United States. ( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ). ( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information. ( 2 ) Creditaccount information from persons who furnish that information regularly and in the ordinary course of business. ( q ) Definitions Relating to Fraud Alerts. ( XXXX ) XXXX XXXX XXXX consumer.The term XXXX XXXX XXXX consumer means a consumer in military service who ( A ) is on XXXX XXXX ( as defined in section 101 ( d ) ( 1 ) of title 10 ) or is a reservist performing duty under a call or order to XXXX XXXX under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10 ; and ( B ) is assigned to service away from the usual duty station of the consumer. ( 2 ) Fraud alert ; XXXX XXXX alert.The terms fraud alert and XXXX XXXX alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer may be a victim of fraud, including identity theft, or is an XXXX XXXX military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. ( 4 ) Identity theft report.The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ( 5 ) New credit plan. The term new credit plan means a new account under an open end credit plan ( as defined in section 1602 ( i )? 1 of this title ) or a new credit transaction not under an open end credit plan. ( r ) Credit and Debit Related Terms ( 1 ) Card issuer.The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card. ( 2 ) Credit card. The term credit card has the same meaning as in section 1602 of this title. ( 3 ) Debit card. The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. ( 4 ) Account and electronic fund transfer. The terms account and electronic fund transfer have the same meanings as in section 1693a of this title. ( 5 ) Credit and creditor. The terms credit and creditor have the same meanings as in section 1691a of this title. ( s ) Federal Banking Agency. The term Federal banking agency has the same meaning as in section 1813 of title 12. ( t ) Financial Institution. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v ) Commission. The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection. ( x ) Nationwide Specialty Consumer Reporting Agency.The term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims. ( y ) Exclusion of Certain Communications for Employee Investigations. ( 1 ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 1681f of this title. ( 2 ) Subsequent disclosure. After taking any adverse action based in whole or in part on a communication described in paragraph ( 1 ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( 2 ) ( D ) an investigative consumer report need not be disclosed. ( 3 ) Self-regulatory organization defined. For purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section 78c ( a ) ( 26 ) of this title ), any entity established under title I of the Sarbanes-Oxley Act of XXXX [ 15 U.S.C. 7211 et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission. ( z ) Veteran. The term veteran has the meaning given the term in section 101 of title 38. ( aa ) Veterans Medical Debt.The term veterans medical debt ( 1 ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the Department of Veterans Affairs ; and ( 2 ) includes medical collection debt that the Department of Veterans Affairs has wrongfully charged a veteran. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorneys fees : Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. ( d ) Clarification of willful noncompliance : For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
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03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am XXXX XXXX, I am submitting this complaint for myself. No third party is involved. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. ( 2 ) Applicable findings, decisions, commentary, and orders. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. ( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. ( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. ( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance. ( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account. ( n ) State. The term State means any State, the XXXX of XXXX XXXX, the District of Columbia, and any territory or possession of the United States. ( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ). ( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information. ( 2 ) Creditaccount information from persons who furnish that information regularly and in the ordinary course of business. ( q ) Definitions Relating to Fraud Alerts. ( 1 ) Active duty military consumer.The term active duty military consumer means a consumer in military service who ( A ) is on active duty ( as defined in section 101 ( d ) ( 1 ) of title 10 ) or is a reservist performing duty under a call or order to active duty under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10 ; and ( B ) is assigned to service away from the usual duty station of the consumer. ( 2 ) Fraud alert ; active duty alert.The terms fraud alert and active duty alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer may be a victim of fraud, including identity theft, or is an active duty military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. ( 4 ) Identity theft report.The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ( 5 ) New credit plan. The term new credit plan means a new account under an open end credit plan ( as defined in section 1602 ( i )? 1 of this title ) or a new credit transaction not under an open end credit plan. ( r ) Credit and Debit Related Terms ( 1 ) Card issuer.The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card. ( 2 ) Credit card. The term credit card has the same meaning as in section 1602 of this title. ( 3 ) Debit card. The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. ( 4 ) Account and electronic fund transfer. The terms account and electronic fund transfer have the same meanings as in section 1693a of this title. ( 5 ) Credit and creditor. The terms credit and creditor have the same meanings as in section 1691a of this title. ( s ) Federal Banking Agency. The term Federal banking agency has the same meaning as in section 1813 of title 12. ( t ) Financial Institution. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v ) Commission. The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection. ( x ) XXXX XXXX XXXX XXXX XXXXThe term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims. ( y ) Exclusion of Certain Communications for Employee Investigations. ( 1 ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 1681f of this title. ( 2 ) Subsequent disclosure. After taking any adverse action based in whole or in part on a communication described in paragraph ( 1 ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( 2 ) ( D ) an investigative consumer report need not be disclosed. ( 3 ) Self-regulatory organization defined. For purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section 78c ( a ) ( 26 ) of this title ), any entity established under title I of the Sarbanes-Oxley Act of 2002 [ 15 U.S.C. 7211 et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission. ( z ) Veteran. The term veteran has the meaning given the term in section 101 of title 38. ( aa ) Veterans Medical Debt.The term veterans medical debt ( 1 ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the XXXX XXXX XXXX XXXXXXXX ; and ( XXXX ) includes medical collection debt that the XXXX XXXX XXXXXXXX XXXX has wrongfully charged a veteran. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorneys fees : Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. ( d ) Clarification of willful noncompliance : For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
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09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code My rights have been violated, I did not give permission to post anything to my account and I want it removed immediately.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. XXXX or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section XXXX of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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XX/XX/XXXX, XXXX, and Equifax. I am disputing the PREVIOUS ADDRESSES that are on my credit reports. Mail me proof that the Previous addresses you have on my credit report are mines. I have not given Permission to and furnisher or debt collector to obtain my addresses. 15 US code 1681b Permissible purpose of consumer reports state that I must give permission in writing or orally. I have NOT given any furnisher OR debt collector my NAME or ADDRESS and PREVIOUS ADDRESSES. MAIL ME PROOF THAT I GAVE WRITTEN CONTENT OR ORAL CONTENT TO ALL ACCOUNTS LISTED ON MY CREDIT REPORT. You are voilating several Fair Credit Reporting Acts. How did these account OBTAIN MY ADDRESS???? 15 U.S. Code 1681a - Definitions ; rules of construction. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. REMEMBER THIS LAW. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
( E ) Rehabilitation of private education loans ( XXXX ) In general Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if ( I ) the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and ( II ) the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.
( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a XXXX banking agency, the XXXX XXXX shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate XXXX banking agency.
( II ) Feedback An appropriate XXXX banking agency shall provide feedback to a financial institution within 120 days of a request for approval under subclause ( I ).
( iii ) Limitation ( I ) In general A consumer may obtain the benefits available under this subsection with respect to rehabilitating a loan only 1 time per loan.
( II ) Rule of construction Nothing in this subparagraph may be construed to require a financial institution to offer a loan rehabilitation program or to remove any reported default from a consumer report as a consideration of a loan rehabilitation program, except as described in clause ( i ).
( iv ) Definitions For purposes of this subparagraph ( I ) the term appropriate XXXX banking agency has the meaning given the term in section 1813 of title 12 ; and ( XXXX ) the term private education loan has the meaning given the term in section 1650 ( a ) of this title.
( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period.
( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies XXXX ( 50 U.S.C. 1601 et seq. ) terminates.
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.
( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( 4 ) Duty to provide notice of closed accounts A person who regularly and in the ordinary course of business furnishes information to a consumer reporting agency regarding a consumer who has a credit account with that person shall notify the agency of the voluntary closure of the account by the consumer, in information regularly furnished for the period in which the account is closed.
( XXXX ) Duty to provide notice of delinquency of accounts ( A ) In general A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
( B ) Rule of construction For purposes of this paragraph only, and provided that the consumer does not dispute the information, a person that furnishes information on a delinquent account that is placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time at which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency ; ( ii ) the creditor did not previously report the date of delinquency to a consumer reporting agency, and the person establishes and follows reasonable procedures to obtain the date of delinquency from the creditor or another reliable source and reports that date to a consumer reporting agency as the date of delinquency ; or ( iii ) the creditor did not previously report the date of delinquency to a consumer reporting agency and the date of delinquency can not be reasonably obtained as provided in clause ( ii ), the person establishes and follows reasonable procedures to ensure the date reported as the date of delinquency precedes the date on which the account is placed for collection, charged to profit or loss, or subjected to any similar action, and reports such date to the credit reporting agency.
( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title.
( ii ) Coordination with new account disclosures If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 1637 ( a ) of this title.
( C ) Coordination with other disclosures The notice required under subparagraph ( A ) ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the customer; and ( ii ) must be clear and conspicuous.
( D ) Model disclosure ( i ) Duty of XXXX XXXX XXXX shall prescribe a brief model disclosure that a financial institution may use to comply with subparagraph ( A ), which shall not exceed 30 words.
( ii ) Use of model not required No provision of this paragraph may be construed to require a financial institution to use any such model form prescribed by the XXXX.
( iii ) Compliance using model A financial institution shall be deemed to be in compliance with subparagraph ( A ) if the financial institution uses any model form prescribed by the XXXX under this subparagraph, or the financial institution uses any such model form and rearranges its format.
( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.
( F ) Safe harbor A financial institution shall not be liable for failure to perform the duties required by this paragraph if, at the time of the failure, the financial institution maintained reasonable policies and procedures to comply with this paragraph or the financial institution reasonably believed that the institution is prohibited, by law, from contacting the consumer.
( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.
( ii ) Customer ; financial institution The terms customer and financial institution have the same meanings as in section 6809 of this title.
( 8 ) Ability of consumer to dispute information directly with furnisher ( A ) In general The XXXX, in consultation with the Federal Trade Commission, the Federal banking agencies, and the XXXX XXXX XXXX XXXX, shall prescribe regulations that shall identify the circumstances under which a furnisher shall be required to reinvestigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.
( B ) Considerations In prescribing regulations under subparagraph ( A ), the agencies shall weigh ( i ) the benefits to consumers with the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity of consumer reports of any such requirements ; ( iii ) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on the credit reporting process if credit repair organizations, as defined in section 1679a ( 3 ) of this title, including entities that would be a credit repair organization, but for section 1679a ( 3 ) ( B ) ( i ) of this title, are able to circumvent the prohibition in subparagraph ( G ).
( C ) Applicability Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ).
( D ) Submitting a notice of dispute A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute.
( XXXX ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
( F ) Frivolous or irrelevant dispute ( i ) In general This paragraph shall not apply if the person receiving a notice of a dispute from a consumer reasonably determines that the dispute is frivolous or irrelevant, including ( I ) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information ; or ( II ) the submission by a consumer of a dispute that is substantially the same as a dispute previously submitted by or for the consumer, either directly to the person or through a consumer reporting agency under subsection ( b ), with respect to which the person has already performed the persons duties under this paragraph or subsection ( b ), as applicable.
( ii ) Notice of determination Upon making any determination under clause ( i ) that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person.
( iii ) Contents of notice A notice under clause ( XXXX ) shall include ( I ) the reasons for the determination under clause ( i ) ; and ( II ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( G ) Exclusion of credit repair organizations This paragraph shall not apply if the notice of the dispute is submitted by, is prepared on behalf of the consumer by, or is submitted on a form supplied to the consumer by, a credit repair organization, as defined in section 1679a ( 3 ) of this title, or an entity that would be a credit repair organization, but for section 1679a ( 3 ) ( B ) ( i ) of this title.
( XXXX ) Duty to provide notice of status as medical information furnisher A person whose primary business is providing XXXX XXXX, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status.
( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
( 2 ) Deadline A person shall complete all investigations, reviews, and reports required under paragraph ( XXXX ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that section regarding that information.
( c ) Limitation on liability Except as provided in section 1681s ( c ) ( 1 ) ( B ) of this title, sections 1681n and 1681o of this title do not apply to any violation of ( 1 ) subsection ( a ) of this section, including any regulations issued thereunder ; ( 2 ) subsection ( e ) of this section, except that nothing in this paragraph shall limit, expand, or otherwise affect liability under section 1681n or 1681o of this title, as applicable, for violations of subsection ( b ) of this section; or ( 3 ) subsection ( e ) of section 1681m of this title.
( d ) Limitation on enforcement The provisions of law described in paragraphs ( 1 ) through ( 3 ) of subsection ( c ) ( other than with respect to the exception described in paragraph ( 2 ) of subsection ( c ) ) shall be enforced exclusively as provided under section 1681s of this title by the XXXX agencies and officials and the XXXX officials identified in section 1681s of this title.
( XXXX ) Accuracy guidelines and regulations required ( XXXX ) Guidelines The XXXX shall, with respect to persons or entities that are subject to the enforcement authority of the XXXX under section 1681s of this title ( A ) establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary ; and ( B ) prescribe regulations requiring each person that furnishes information to a consumer reporting agency to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ).
( 2 ) Criteria In developing the guidelines required by paragraph ( 1 ) ( A ), the XXXX shall ( A ) identify patterns, practices, and specific forms of activity that can compromise the accuracy and integrity of information furnished to consumer reporting agencies ; ( B ) review the methods ( including technological means ) used to furnish information relating to consumers to consumer reporting agencies ; ( C ) determine whether persons that furnish information to consumer reporting agencies maintain and enforce policies to ensure the accuracy and integrity of information furnished to consumer reporting agencies ; and ( D ) examine the policies and processes that persons that furnish information to consumer reporting agencies employ to conduct reinvestigations and correct inaccurate information relating to consumers that has been furnished to consumer reporting agencies.
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12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 6801-6805, The Privacy Act of 1974 as well as inaccurate reporting per the IRS Publication 4681.
XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX According to the IRS Publication 4681- A Charge off is a certificate of Indebtment that is now considered income, which needs to be reported on my Income Tax. Income can not be reported to your credit report. Congressional findings and statement of purpose if you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in these actions being taken against your company in small claim state proceedings. I will also be seeking monetary relief of ( {$1000.00} ) per violation for : ( 1 ) Deformation of character ( 2 ) Negligent infliction of emotional distress ( 3 ) Violations of 15 U.S.C. 1681 & 15 U.S.C. 6801-6805 : 6801-Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information.
( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
6803- ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.
( c ) Information to be included the disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.
( d ) Exemption for certified public accountants ( 1 ) In general, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.
( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, the Trust Territory of the XXXX XXXX, the XXXX XXXX, or the XXXX XXXX XXXX.
( XXXX ) Model forms ( XXXX ) In general The agencies referred to in section 6804 ( a ) ( XXXX ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.
( XXXX ) Format A model form developed under paragraph ( XXXX ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.
( XXXX ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX.
( XXXX ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.
( f ) Exception to annual notice requirement A financial institution that ( XXXX ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( XXXX ) or ( XXXX ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( XXXX ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( XXXX ) or ( XXXX ).
6804- ( a ) Regulatory authority ( XXXX ) Rulemaking ( A ) In general Except as provided in subparagraph ( C ), the Bureau of Consumer Financial Protection and the Securities and Exchange Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section 6805 of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ] ), except that the Bureau of Consumer Financial Protection shall not have authority to prescribe regulations with respect to the standards under section 6801 of this title.
( B ) CFTC The Commodity Futures Trading Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to the jurisdiction of the Commodity Futures Trading Commission under section 7b2 of title 7.
( C ) Federal Trade Commission authority Notwithstanding the authority of the Bureau of Consumer Financial Protection under subparagraph ( A ), the Federal Trade Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to any financial institution that is a person described in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ].
( D ) Rule of construction Nothing in this paragraph shall be construed to alter, affect, or otherwise limit the authority of a State insurance authority to adopt regulations to carry out this subchapter.
( 2 ) Coordination, consistency, and comparability Each of the agencies authorized under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and, as appropriate, and with [ 1 ] representatives of State insurance authorities designated by the National Association of Insurance Commissioners, for the purpose of assuring, to the extent possible, that the regulations prescribed by each such agency are consistent and comparable with the regulations prescribed by the other such agencies.
( XXXX ) Procedures and deadline Such regulations shall be prescribed in accordance with applicable requirements of title 5.
( b ) Authority to grant exceptions The regulations prescribed under subsection ( a ) may include such additional exceptions to subsections ( a ) through ( d ) of section 6802 of this title as are deemed consistent with the purposes of this subchapter.
6805- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).
( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).
( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.
( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.
( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.
( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.
( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.
( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.
( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.
( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.
( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).
( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.
( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX XXXX and XXXX their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 4. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
5. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX Account Number : XXXX Please remove it from my credit report.
6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report.
7. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.
10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
Tell me in writing what information you refuse to remove and why.
Tell me in writing what you did to determine that the information was accurate.
Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth: XXXX
SS#:XXXX
XXXX Equifax Information Services LLC
XXXX XXXX XXXX XXXX, GA XXXX
This letter is to inform you that I recently received a copy of my credit report that
your company publishes and after reviewing it I found a number of items on the
report that are inaccurate. The accounts in question are listed below. Please send me
copies of the documents that you have in your files as of this date that you used to
verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that
you disclose to me all of the documents that you have recorded and retained in your file
at the time of this request concerning the accounts that you are reporting in my credit
report. Please dont respond to my request by saying that these accounts have been
verified. Send me copies of the documents that you have in your files that were used to
verify them. If you do not have any documentation in your files to verify the accuracy of
these disputed accounts then please delete them immediately as required under Section
611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report
and distributing them to 3rd parties you are damaging my reputation and credit
worthiness.
THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST XXXX and CONFIRM any
and ALL allegations of claims yet still unproven. Lawfully certificate physically the
creditor classification codes, the exact and complete sequenced and METRO 2 data
formatted 426 character P-6 statements as well as all of the applicable and requisite
trailing fragments, the minimally mandated five (5) portioned personal identifiers, every
and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the
left sidedness and or right sidedness of any and all precisely ordered recorded account
descriptions, all aspects exactly and fully related to the sequenced 386 pieces of
confirmation to collect(-tions), each calendar date recorded, every alleged balance
including the tallied total and invoices from which they were derived, the documented
legal and current color photographed identities, the attested addresses, the non
transported and true marks of execution from one and only and exactly identified me
upon an acknowledge of debt alleged or even conditions related, as well as every single
one even each and any or all requisite state and federal laws applicable, whether known
or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND
OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY
ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS
MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE.
DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO
COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF
YOU
I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ
composed DECLARATION of Not Proven Compliant Misinformation that is all or in
part: DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY,
COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable
RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory
requisite compliant reporting thereby mandating your immediate actions to rectify and
remedy and any all infraction-ious behavior(s) by retaining or returning to
DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data
field formatted reporting!To be clear, you are mandated by laws to eliminate every
notation and or aspect of any and all derogatory and adversary items from any and all
alleged claims still yet unproven to be true, correct, complete, timely, documented as
being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA
CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all
derogatory or potentially injurious reporting MUST be all of the aforementioned and
can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs
ensuring the physically verifiability of the CONFIRMED manual validation of any item
upon a consumer complaint, such as is this notice here and now.Please RETURN to or
retain federally lawful reporting with your unwavering and unconditional annulment of
every single one even each any and or all of the allegations accused of me deficient of
physical evidence to every and all aspects of said claims, be them true or not. I as of late
received a duplicate of my credit report from your consumer credit reporting agency --
WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE
but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as
DETAILED in the DESCRIPTION of XXXX (your web based automated verification
process). YOUR EXACT XXXX definition (per XXXX ) is that e-OSCAR is a web-based,Metro 2 compliant, automated
system that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to
create and respond to consumer credit history disputes. CRAs include Equifax,
XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and
Mortgage Reporting Companies. XXXX also provides for DFs to send "out-of- cycle"
credit history updates to CRAs. The system primarily supports Automated Credit
Dispute Verification (ACDV) and Automated Universal Dataform (AUD) processing as
well as a number of related processes that handle registration, subscriber code
management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data
Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The
ACDV is returned to the initiating CRA with updated information (if any) relating to the
consumer's credit history. If an account is modified or deleted, carbon copies are sent to
each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF
to process out-of-cycle credit history updates. The system is used to create the AUD and
route it to the appropriate CRA(s) based on subscriber codes specified by the DF in the
AUD record. The XXXX AUD process is intended to provide the CRA with a
correction to a consumer's file that must be handled outside of the regular activity
reporting cycle process. XXXX XXXX may not be used to add or create a record on a
consumer's file or as substitute for "in-cycle" reporting to the CRAs. Within the report I
saw that there were late installments noted in the record history.Since I am somehow
very defective in the matter as to the How ,WHEN, and WHY these late segments are
notations within my credit report which is otherwise remarkable in
creditworthiness!Puzzled,I am enacting my rights to COMPEL you, as REQUIRED, to
MANDATE the alleged data providers of these following notated UNPROVEN
derogatory suggestions of late payments to surrender to you and you to me an evaluated
proclamation of my record throughout the previous 2 years demonstrating when the due
date of the record was and when the installment was handled. Furthermore, please
require the accusing data provider to present their most upgraded Terms of Service
Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware,
as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and
civil rights to ask for any and all of the above and below DEMANDS under the terms of
the Fair Credit Billing Act of 1975 (FCBA) As the OFFICIAL notice of my official writ
composed DECLARATION of Not Proven Compliant Misinformation that is either or all
of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or
ADVERSE and yet UNPROVEN claims be it an account or an aspect of that
account.PLEASE as you MUST, delete the foul misreportings and display any and all of
my accounts as being PAID/PAYS as AGREED,NEVER LATE and as nothing else:
1. You are in violation of 15 USC 1681 Misleading False Reporting this account is
negligently and inaccurately reporting failing to comply. XXXX XXXX XXXX XXXX
Account Number: XXXX
Under 15 U.S Code 1681a(2)(A)(i) No transaction should be included in a credit
report I demand you to remove this account.
2. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I
am not participating in the collection of this alleged debt. Cease and desist asap.
XXXX
Account Number: XXXX
Under 15 U.S Code 1692c(c) Ceasing communication (cease and desist), I
demand you to remove this account.
3. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I
am not participating in the collection of this alleged debt. Cease and desist asap.
XXXX Account Number: XXXX
Under 15 U.S Code 1692c(c) Ceasing communication (cease and desist), I
demand you to remove this account.
4. I was NEVER late paying this account
XXXX XXXX XXXX
Account Number: XXXX
Under 15 USC 1666B, I demand you to update the payment record in this
account.
5. The inquiry was not authorized
XXXX
Date of inquiry: XXXX
Please remove it from my credit report.
NOTATION: Per CRSA enacted, CDIA implemented laws, any and all reporting must be
deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known
ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late
Payment yet has NOT PROVEN even the compliance of its reporting much less any
aspect of determined truth of facts else wise required by obligatory regulations. As such,
I demand evidence of Metro 2 compliant reporting, true and accurate and complete
reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate
current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS,
documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable
compliant obligatory and regulatory requisite compliant reporting thereby mandating
your immediate actions to rectify and remedy and any all infraction-ious behavior(s) by
retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and
COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and
all derogatory aspects of reporting and at a minimum rectify the derelict reporting with
the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can
document this NOT to be CORRECT and determine factually and in entirety that every
aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every
and one even each any and or all of the client's State's and or the federal reporting laws
MUST be returned to compliance even should that requisite annulment of item's
reporting. No entity is with authority to retain or report any allegations not
DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE,
Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and
the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even
once alleged adverse remark unproven upon a requested compliance check. You must
Annul in brief, even right now and right here, by complete and PERMANENT
DELETION any or even one not irrefutable allegation(s) deficient of physical
composed writ certificate(s) in testimony of the exact and full truth, correctness,
timeliness, completeness, ownership, responsibility, and or documented evidence of
precise and willfulness to comply with every single one even any and or all of the
requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal
reporting of any information, known or not. Attest now to the metro-2 required truth,
accuracy, fullness, timeliness, ownership, responsibility and or compliance(s) otherwise,
whether mentioned or not. Ignorance of obligations to compliant reporting is NOT
lawful exoneration of your responsibility to 100% accurate, true, and metro-2 compliant
data formatted reporting regulations of which you are obligated. Federal laws allow me
to compel you to retain and or return adequate accountability. Failure or unwillingness
to do so might be remedied and rectified in my favor per monetary compensation for
your infringements of my civil and or consumer rights and violations of the laws
required of you. Right now demonstrate to me any and all applicable metro-2 reporting
mandates including but not limited to every date and balance, each calculation and
audit, the invoices and documented current identities, every notation not to forget the
five (5) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/
and or alphanumeric source codes, every applicable creditor classification code(s), the 3
applicable and precise sequenced 386 pieces of confirmation to collect(-ions) or any
obligation else-wise. Return or Retain federally required compliance with your
immediate and dull eradication of any and one of the adverse and or derogatory claims
or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ
composed DECLARATION of Not Proven Compliant Misinformation that is either or all
of the following: DEFICIENT of adequate current status in fullness of TRUTH,
ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable
RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory
requisite compliant reporting thereby mandating your immediate actions to rectify and
remedy and any all infraction-ious behavior(s) by retaining or returning to
DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data
field formatted reporting! Please provide me with all of the information you used for
your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete
the negative items, as originally requested. If you FAIL to respond to this demand and
tort notification, your firm will be added to the pending action as complicit in this data
breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was
accurate.
3. Note the information as disputed BY the CONSUMER on my credit
report
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are
required by federal law to verify - through the physical verification of the original
signed consumer contract - any and all accounts you post on a credit report.
Otherwise, anyone paying for your reporting services could fax, mail or email in even
a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611(a) [15
USC 1681i(a)], these disputed items must be reinvestigated or deleted from my credit
record within 30 days. During the investigation period, these items must be removed
from my credit report as the mere reporting of items prior to debt validation constitutes
collection activity. I am also requesting the names, addresses and telephone numbers of
individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 (a)(6) [15
USC 1681j (a) (6)]. I am also requesting an updated copy of my credit report, which
should be sent to the address listed below. According to the provisions of 612 [15
USC 1681j], there should be no charge for this report. If you have any questions or
need additional information, please contact me at address noted below. I think 15-20
Days should be ample enough time to get this completed since this is my NOT my first
time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this
data breach becomes yet another case potentially leading to my inclusion as a victim of
fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN
COMPLIANT RETAINING and or REPORTING of consumer records, particularly
that of personal identifiers. Therefore, I must request that your bureau confirm in
writing the following personal information:
1- FULL LEGAL NAME as it Appears on my Credit report
2- Legal Address of Record
3- SSN # (or redacted last 4 digits)
4- Date of Birth
5- Zip Code for my Home Address
The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise
and exact fully complete 426-character P-Segment or Trailing Segment that is to include
the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged
trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and
or application of Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is
automatic call for deletion due to any and all repeating entry as NULL and VOID.
Moreover, the regulatory obligation dictates that any and all data furnishers MUST
include an attached TRAILING SEGMENT that absolutely accurately and completely
includes ALL of the account of allegation(s) specifics!Must be performed in a REALTIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher
fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of
consumers and or auto-escalate any and all consumer complaints to a certified Metro 2
compliance trained SPECIALIST. Being Phase III of the Implementation of the
CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or
accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's
FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial
fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are
illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the
REQUISITE technical accuracy in EVERY single item retained and or reported to or by
any consumer credit reporting agency. Metro 2 compliance requires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a
PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and
all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry
Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by
CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain
and or report any claim of information, be it an account or any aspect of such, the must
be irrefutable fullness in the truth of reporting, correctness of reporting,
COMPLETENESS of reporting, TIMELINESS of reporting and of the reported
allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or
adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA
Metro 2 data field formatted reporting regulatory standards and obligations to include
the 81-month time relevance of account reported/ how reported/when
reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful
reporting demands that the regulatory compliance rules are applied EVENLY and
thoroughly from data provider to consumer credit reporting repository.Accuracy and
completeness of all of any and all information, particularly derogatory consumer
information, must abide by every and one of current MY states reporting regulations as
well as those of federal laws ,even the CDIA METRO 2 COMPLIANCE standards due to
the implementation of the Credit Reporting Settlement Agreement (CRSA.)
Is the Personal Identifier information alleged in the reported 426-character
P-SEGMENT true, correct, and complete to standards of CERTIFIED
METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable
VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or
eradicate every single one and each any and all of the adversary derogatory accusations
injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to
be my responsibility or fault. Please demonstrate readily and timely the precise
confirming facts of the alleged account including every single one even each any and or
all of its article aspects by federal laws. You must willfully and promptly DELETE
TODAY even right now the deficient reporting or else present to me true documented
certificated proof of all data, every notation, date, balance, calculation, audit, personal
identifiers, each of the requisite 426-characters of the exact and fully compliant P6
statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness
or rightness states, and even every aspect of the mandated 386 pieces of confirmation to
collection.
This series of misreporting seems to me clearly involves a universal and complete failure
by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory
compliant and reasonable procedures to assure maximum possible accuracy of
consumer credit information as described in at least 15 U.S.C. 1681. There is little
doubt that you have no evidence that this clearly does belong to me, is exactly true, fully
complete, within timely definition per federal standards and has been erroneously
placed onto my credit report. The items of problematic accusations that I believe to be
incorrect to its proper reporting and allowance of reporting per my state and federal
laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as
demanded in this declaration would compel me to consult my consumer complaint
lawfully to the members of the NCRWG as undoubtedly reporting not only must be true,
timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any
entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting
compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE
regulations, I demand that these above mentioned derogatory items be investigated and
permanently removed from my report. It is my understanding that you will recheck
these items with the creditor who has posted them. Please remove any information that
the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must
complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the
act, there shall be no charge for this updated report. I also request that you please send
notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours,
XXXX XXXX
|
08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA XXXX Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXXe-oscarXXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
NOTATION : Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
Tell me in writing what information you refuse to remove and why.
Tell me in writing what you did to determine that the information was accurate.
Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record XXXX SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
|
08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance XXXX and or CRSA XXXX Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ).
YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
NOTATION : Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not.
Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of.
Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have bee
n deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681.
There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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05/09/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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my name XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX/XXXX CONTINUE TO VIOLATE STATE AND FEDERAL LAWS They have never shown me how theyve done any investigation, ledgers accounts, original consumer contracts from any of the negative accounts they continue to report and violate the fair credit reporting at the fair debt collection act as well as multiple state laws. I have contacted the the XXXX, consumer protection, innovation department spoke with supervisor at XXXX Special handling at XXXX department XXXX XXXX at XXXX And FRAUD SPECIALIST AT EQUIFAX I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent account and fraudulent inquiries would be removed from my consumer reports still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. ( XXXX XXXX XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} ) ( XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( ( FRAUDULENT INQUIRIES ) TD XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of XXXX XXXX XXXX. XXXX XXXX. ( t ( ( XXXX XXXX XXXX ) ) XXXX {$97000.00} XX/XX/XXXX ) ( ( XXXX XXXX XXXX XXXX Date OpenedMay XXXX, XXXX AMOUNT {$46000.00} ) ( ( XXXX NM XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX ) - To : Whom it XXXX concern at EQUIFAXXXXX You are in violation of the Fair Credit Reporting Act ( XXXX FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " XXXX '' EQUIFAX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 15 USC {$16000.00} ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. ( ( t ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedMay XXXX, XXXX AMOUNT {$46000.00} ) ( XXXX NM XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX ) VIOLATIONS ) ) - 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section XXXX of USA PATRIOT Act. Gramm- leach-Bliley Act. I AM aware that -my SSN belongs to the ( SSA ) Social Security Administration -and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the ( ( False Claims Act ( FCA ) 31 U.S.C 3729-3733 ) ) ( Debt Collector name is also in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies ( ( XXXXEQUIFAX ) XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice toCEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by /EQUIFAX/XXXX XXXX ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AMOUNT {$46000.00} ) ( XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Original XXXX {$21000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. t ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX ( Failure to remove account in 15 days from my consumer report ) as requested will result in legal matters being taken and me turning you ( XXXX/EQUIFAX/XXXX ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXXEQUIFAX/XXXX XXXX/EQUIFAX/Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. Transunion and equifax have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXX XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX XXXX AMOUNT {$46000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( I HAVE PRESENTED COMPELLING EVIDENCE AND HAVE SENT VALIDATION LETTERD TO THE LAW NONE HAVE BEEN ANSWERED WITH LEGAL DOCUMENTS I ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and Equifax have been repeatedly warned about these fraudulent accounts that are on my consumer reports I never gave ( XXXX ) EQUIFAX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d
711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agencyreceives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. EQUIFAX/and XXXX is XXXXlso in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e )
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10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX and Equifax XXXX credit bureau. I would like this account updated as PAYED-ON-TIME : XX/XX/XXXX and LATEPAYMENT : XX/XX/XXXX removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX and Equifax XXXX credit bureau. I would like this account updated as PAYED-ON-TIME : XX/XX/XXXX and LATEPAYMENT : XX/XX/XXXX removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX and Equifax XXXX credit bureau. I would like this account updated as PAYED-ON-TIME : XX/XX/XXXX and LATEPAYMENT : XX/XX/XXXX removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX and Equifax XXXX credit bureau. I would like this account updated as PAYED-ON-TIME : XX/XX/XXXX and LATEPAYMENT : XX/XX/XXXX removed from my credit report profile. I would like this account updated as PAYED-ON-TIME : XX/XX/XXXX and LATEPAYMENT : XX/XX/XXXX removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX and Equifax XXXX credit bureau XXXX I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX and Equifax XXXX credit bureau XXXX I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXXXXXX has violated my consumer rights by reporting fraudulent information across my XXXX and Equifax XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX and Equifax XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my XXXX and Equifax XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my XXXX and Equifax XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my XXXX and Equifax XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DP OF EDUC has violated my consumer rights by reporting fraudulent information across my Equifax XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DP OF EDUC has violated my consumer rights by reporting fraudulent information across my Equifax XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DP OF EDUC has violated my consumer rights by reporting fraudulent information across my Equifax XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXXXXXX has violated my consumer rights by reporting fraudulent information across my XXXX and Equifax XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT ED has violated my consumer rights by reporting fraudulent information across my XXXX XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT ED has violated my consumer rights by reporting fraudulent information across my XXXX XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT ED has violated my consumer rights by reporting fraudulent information across my XXXX XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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I XXXX XXXX XXXX XXXX am a current victim of Identity Theft. I was made aware of the fact that I was exposed in the 2017 EQUIFAX data breach through my exploration on the FTC.GOV website. While making a theft affidavit, I came upon the EQUIFAX data breach settlement, and when I clicked on the link, I entered my information, and was notified that my " personal data had been exposed ''. I have been paying EQUIFAX, XXXX, XXXX, and XXXX for credit monitoring services, so when I found out I had been exposed since at least 2017, I was ENRAGED. Not only had EQUIFAX not contacted me to inform me that they were responsible for exposing me as a consumer to Identity Theft, but they had the audacity to charge me for Identity theft related services. It immediately struck me that all of the inquiries, fraudulent credit accounts, erroneous addresses and name spellings are the result of the EQUFAX data breach ... THEY are the REASON I am suffering. Now, I am spending countless personal hours, personal finances and energy not only trying to wrap my head and arms around the scope and breadth of my exposure, but I am being blocked and circumvented from the most basic of rights, such as the right to block information on my personal consumer credit report resulting from Identity Theft. According to 15 USC 1681c-215 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
I have been blocked from exercising my right under 15 USC 1681c-2 by EQUIFAX repeatedly resisting my efforts to access remove or have blocked any erroneous and otherwise fraudulent information in my consumer credit file. I have made numerous attempts to call and have been consistently told to " call back in 2 hours or so because our systems are updating ''. EQUIFAX has violated me as a consumer. EQUIFAX is guilty of not communicating to me as a consumer their guilt in exposing my personal consumer credit file to criminals. 15 U.S. Code 1681g - Disclosures to consumers U.S. Code states, ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. EQUIFAX has violated my right in this regard. According to 15 U.S. Code 1681m - Requirements on users of consumer reports U.S. Code ( a ) Duties of users taking adverse actions on basis of information contained in consumer reports If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure ( A ) of a numerical credit score as defined in section 1681g ( f ) ( 2 ) ( A ) of this title used by such person in taking any adverse action based in whole or in part on any information in a consumer report ; and ( B ) of the information set forth in subparagraphs ( B ) through ( E ) of section 1681g ( f ) ( 1 ) of this title ; ( 3 ) provide to the consumer orally, in writing, or electronically ( A ) the name, address, and telephone number of the consumer reporting agency ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) that furnished the report to the person ; and ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; and ( 4 ) provide to the consumer an oral, written, or electronic notice of the consumers right ( A ) to obtain, under section 1681j of this title, a free copy of a consumer report on the consumer from the consumer reporting agency referred to in paragraph ( 3 ), which notice shall include an indication of the 60-day period under that section for obtaining such a copy ; and ( B ) to dispute, under section 1681i of this title, with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency.
( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( 1 ) In general Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.
( 2 ) Duties of person taking certain actions based on information provided by affiliate ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall ( i ) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause ( ii ) ; and ( ii ) upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request.
( B ) Action described An action referred to in subparagraph ( A ) is an adverse action described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.
( C ) Information described Information referred to in subparagraph ( A ) ( i ) except as provided in clause ( ii ), is information that ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.
( c ) Reasonable procedures to assure compliance No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation he maintained reasonable procedures to assure compliance with the provisions of this section.
( d ) Duties of users making written credit or insurance solicitations on basis of information contained in consumer files ( 1 ) In general Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer, that is provided to that person under section 1681b ( c ) ( 1 ) ( B ) of this title, shall provide with each written solicitation made to the consumer regarding the transaction a clear and conspicuous statement that ( A ) information contained in the consumers consumer report was used in connection with the transaction ; ( B ) the consumer received the offer of credit or insurance because the consumer satisfied the criteria for credit worthiness or insurability under which the consumer was selected for the offer ; ( C ) if applicable, the credit or insurance may not be extended if, after the consumer responds to the offer, the consumer does not meet the criteria used to select the consumer for the offer or any applicable criteria bearing on credit worthiness or insurability or does not furnish any required collateral ; ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and ( E ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 1681b ( e ) of this title.
( 2 ) Disclosure of address and telephone number ; format A statement under paragraph ( 1 ) shall ( A ) include the address and toll-free telephone number of the appropriate notification system established under section 1681b ( e ) of this title ; and ( B ) be presented in such format and in such type size and manner as to be simple and easy to understand, as established by the Bureau, by rule, in consultation with the Federal Trade Commission, the Federal banking agencies, and the National Credit Union Administration.
( 3 ) Maintaining criteria on file A person who makes an offer of credit or insurance to a consumer under a credit or insurance transaction described in paragraph ( 1 ) shall maintain on file the criteria used to select the consumer to receive the offer, all criteria bearing on credit worthiness or insurability, as applicable, that are the basis for determining whether or not to extend credit or insurance pursuant to the offer, and any requirement for the furnishing of collateral as a condition of the extension of credit or insurance, until the expiration of the 3-year period beginning on the date on which the offer is made to the consumer.
( 4 ) Authority of Federal agencies regarding unfair or deceptive acts or practices not affected This section is not intended to affect the authority of any Federal or State agency to enforce a prohibition against unfair or deceptive acts or practices, including the making of false or misleading statements in connection with a credit or insurance transaction that is not initiated by the consumer.
( e ) Red flag guidelines and regulations required ( 1 ) Guidelines The Federal banking agencies, the National Credit Union Administration, the Federal Trade Commission, the Commodity Futures Trading Commission, and the Securities and Exchange Commission shall jointly, with respect to the entities that are subject to their respective enforcement authority under section 1681s of this title ( A ) establish and maintain guidelines for use by each financial institution and each creditor regarding identity theft with respect to account holders at, or customers of, such entities, and update such guidelines as often as necessary ; ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; and ( C ) prescribe regulations applicable to card issuers to ensure that, if a card issuer receives notification of a change of address for an existing account, and within a short period of time ( during at least the first 30 days after such notification is received ) receives a request for an additional or replacement card for the same account, the card issuer may not issue the additional or replacement card, unless the card issuer, in accordance with reasonable policies and procedures ( i ) notifies the cardholder of the request at the former address of the cardholder and provides to the cardholder a means of promptly reporting incorrect address changes ; ( ii ) notifies the cardholder of the request by such other means of communication as the cardholder and the card issuer previously agreed to ; or ( iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ).
( 2 ) Criteria ( A ) In general In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall identify patterns, practices, and specific forms of activity that indicate the possible existence of identity theft.
( B ) Inactive accounts In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall consider including reasonable guidelines providing that when a transaction occurs with respect to a credit or deposit account that has been inactive for more than 2 years, the creditor or financial institution shall follow reasonable policies and procedures that provide for notice to be given to a consumer in a manner reasonably designed to reduce the likelihood of identity theft with respect to such account.
( 3 ) Consistency with verification requirements Guidelines established pursuant to paragraph ( 1 ) shall not be inconsistent with the policies and procedures required under section 5318 ( l ) of title 31.
( 4 ) Definitions As used in this subsection, the term creditor ( A ) means a creditor, as defined in section 1691a of this title, that regularly and in the ordinary course of business ( i ) obtains or uses consumer reports, directly or indirectly, in connection with a credit transaction ; ( ii ) furnishes information to consumer reporting agencies, as described in section 1681s2 of this title, in connection with a credit transaction ; or ( iii ) advances funds to or on behalf of a person, based on an obligation of the person to repay the funds or repayable from specific property pledged by or on behalf of the person ; ( B ) does not include a creditor described in subparagraph ( A ) ( iii ) that advances funds on behalf of a person for expenses incidental to a service provided by the creditor to that person ; and ( C ) includes any other type of creditor, as defined in that section 1691a of this title, as the agency described in paragraph ( 1 ) having authority over that creditor may determine appropriate by rule promulgated by that agency, based on a determination that such creditor offers or maintains accounts that are subject to a reasonably foreseeable risk of identity theft.
( f ) Prohibition on sale or transfer of debt caused by identity theft ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
( g ) Debt collector communications concerning identity theft If a person acting as a debt collector ( as that term is defined in subchapter V ) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be the result of identity theft, that person shall ( 1 ) notify the third party that the information may be fraudulent or may be the result of identity theft ; and ( 2 ) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person.
( h ) Duties of users in certain credit transactions ( 1 ) In general Subject to rules prescribed as provided in paragraph ( 6 ), if any person uses a consumer report in connection with an application for, or a grant, extension, or other provision of, credit on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that person, based in whole or in part on a consumer report, the person shall provide an oral, written, or electronic notice to the consumer in the form and manner required by regulations prescribed in accordance with this subsection.
( 2 ) Timing The notice required under paragraph ( 1 ) may be provided at the time of an application for, or a grant, extension, or other provision of, credit or the time of communication of an approval of an application for, or grant, extension, or other provision of, credit, except as provided in the regulations prescribed under paragraph ( 6 ).
( 3 ) Exceptions No notice shall be required from a person under this subsection if ( A ) the consumer applied for specific material terms and was granted those terms, unless those terms were initially specified by the person after the transaction was initiated by the consumer and after the person obtained a consumer report ; or ( B ) the person has provided or will provide a notice to the consumer under subsection ( a ) in connection with the transaction.
( 4 ) Other notice not sufficient A person that is required to provide a notice under subsection ( a ) can not meet that requirement by providing a notice under this subsection.
( 5 ) Content and delivery of notice A notice under this subsection shall, at a minimum ( A ) include a statement informing the consumer that the terms offered to the consumer are set based on information from a consumer report ; ( B ) identify the consumer reporting agency furnishing the report ; ( C ) include a statement informing the consumer that the consumer may obtain a copy of a consumer report from that consumer reporting agency without charge ; ( D ) include the contact information specified by that consumer reporting agency for obtaining such consumer reports ( including a toll-free telephone number established by the agency in the case of a consumer reporting agency described in section 1681a ( p ) of this title ) ; and ( E ) include a statement informing the consumer of ( i ) a numerical credit score as defined in section 1681g ( f ) ( 2 ) ( A ) of this title, used by such person in making the credit decision described in paragraph ( 1 ) based in whole or in part on any information in a consumer report ; and ( ii ) the information set forth in subparagraphs ( B ) through ( E ) of section 1681g ( f ) ( 1 ) of this title.
( 6 ) Rulemaking ( A ) Rules required The Bureau shall prescribe rules to carry out this subsection.
( B ) Content Rules required by subparagraph ( A ) shall address, but are not limited to ( i ) the form, content, time, and manner of delivery of any notice under this subsection ; ( ii ) clarification of the meaning of terms used in this subsection, including what credit terms are material, and when credit terms are materially less favorable ; ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection ; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report.
( 7 ) Compliance A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section.
( 8 ) Enforcement ( A ) No civil actions Sections 1681n and 1681o of this title shall not apply to any failure by any person to comply with this section.
( B ) Administrative enforcement This section shall be enforced exclusively under section 1681s of this title by the Federal agencies and officials identified in that section.
EQUIFAX is violating my rights to exercise these rights.
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04/02/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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my name XXXX XXXX XXXX asOF XX/XX/XXXX spoke with supervisor at XXXX Special handling at fraud department XXXX XXXX at XXXX And XXXX SPECIALIST AT XXXX I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent account and fraudulent inquiries would be removed from my consumer reports still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. ( ( XXXX XXXX XXXX XXXX XXXX ) ) Account Number : XXXX Date XXXX began:XXXX amount : {$1300.00} ( ( XXXX XXXX AUTO ) ) account number XXXX dateXXXX {$24000.00} and ( ( XXXX XXXX XXXX ) ) account XXXX date openedXXXX amount {$15000.00} VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SMALL BUS ADMIN DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX ) ) - To : Whom it may concern at EQUIFAX/ XXXX/XXXX You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " XXXX '' EQUIFAX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC {$16000.00} ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. ( ( XXXX XXXX XXXX XXXXXXXX XXXX ) ) Account Number : XXXX Date XXXX began:XXXX amount : {$1300.00} ( ( XXXX XXXX XXXX ) ) account number XXXX XXXX {$24000.00} and ( ( XXXX XXXX XXXX ) ) account XXXX date openedXXXX amount $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SMALL BUS ADMIN DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( ( Fraudulent Name ) ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX, CA XXXX ) ) VIOLATIONS ) ) - 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act. I AM aware that -my SSN belongs to the ( SSA ) Social Security Administration -and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice toCEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/XXXX/ ( XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began:XXXX amount : {$1300.00} ( XXXX XXXX XXXX ) account number XXXX dateXXXX {$24000.00} and ( XXXX XXXX XXXX ) account XXXX date opened XX/XX/XXXX ( amount {$15000.00} ) VIOLATIONS ) ) - 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SMALL BUS ADMIN XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Failure to remove account in 15 days from my consumer report ) as requested will result in legal matters being taken and me turning you ( XXXX/EQUIFAX/XXXX/ ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXX/EQUIFAX/XXXX/ XXXX/XXXX/EQUIFAX/Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began:XXXX amount : {$1300.00} XXXX XXXX XXXX account number XXXX dateXXXX {$24000.00} and XXXX XXXX XXXX account XXXX date openedXXXX amount $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SMALL BUS ADMIN DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX, CA XXXX This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/XXXX/ 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and equifax have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXX/EQUIFAX/XXXX/ XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Date fraud beganXXXX amount : {$1300.00} XXXX XXXX XXXX account number XXXX XXXX {$24000.00} and XXXX XXXX XXXX account XXXX date XXXX amount $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SMALL BUS ADMIN DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX, XXXX XXXX, XXXX, C ( Fraudulent address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , CA XXXX I HAVE PRESENTED COMPELLING EVIDENCE AND HAVE SENT VALIDATION LETTERD TO THE LAW NONE HAVE BEEN ANSWERED WITH LEGAL DOCUMENTS I ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies . 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. Transunion and Equifax have been repeatedly warned about these fraudulent accounts that are on my consumer reports I never gave XXXX/ ( XXXX ) EQUIFAX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d
711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agencyreceives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. EQUIFAX/and XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e )
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08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX definition ( per http : XXXX ) is that XXXX is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The XXXX XXXX process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- XXXX may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. FALSE REPORTING. This account is reported inaccurately. You are in VIOLATION of FCRA and FDCPA XXXX XXXX XXXX Account Number : XXXX Please remove this account in my credit report.
NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
Tell me in writing what information you refuse to remove and why.
Tell me in writing what you did to determine that the information was accurate.
Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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From dates XX/XX/XXXX until currently XX/XX/XXXX. Equifax has taken advantage of my credit due to their data breach. It has costed me over XXXX in medical bills due to denial due to identity theft and fraud thats reported and has been reported to the IRS as well. Here is my letter below. I would expect the full compensation that this has impacted me. This amount has roughly added. There was a house bought in my name on my credit. I reported it and XXXX county refused to report it. I did acknowledge that to the XXXX.
XXXX XXXX XXXX - file on my credit | XXXX XXXX XXXX XXXX XXXX XXXX - file on my credit | XXXX XXXX XXXX XXXX XXXX - remove from XXXX XXXX XXXX XXXX XXXX remove from XXXX XXXX XXXX XXXX - remove from XXXX XXXX XXXX XXXX - | Account # XXXX XXXX XXXX XXXX XXXX Fraudulently | Identity XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulently | Identity theft XXXX XXXX XXXX | Account : XXXX XXXX Student loans Discharged due to XXXX XXXX. Please remove from credit. The government has sent out letters to remove. There are 9to 12 more accounts linked to XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Remove negative remarks. Balance and history has been incorrect.
Inquirys and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX showing an amount an inquiry XXXX. XXXX XXXX | Accident or claim which is fraud on credit report.
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Accident or claim which is fraud on credit report These items needs to be removed XXXX XXXX - has been showing negative remarks on my credit. Please remove.
I have been complaining for years and this information has not been removed.
Personal information Please remove fraudulent address.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please remove address XXXX XXXX XXXX XXXX XXXX.
XXXX XXXXXXXX XXXX, GA XXXX Please remove all XXXX blockages from credit.
Please Remove XXXX from credit REQUEST DATE XX/XX/XXXX XXXX XXXX COMPLETED XX/XX/XXXX XXXX XXXX Meets Property Requirements Does Not Meet Property Requirements Civil Court Records Found Case # : XXXX POSSESSION on XX/XX/XXXX Plaintiff : XXXX XXXX XXXX Defendant : XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Court : XXXX XXXX XXXX XXXX Originating Court Department : SC Action Type : FORCIBLE ENTRY/DETAINER Filing Type : FORCEIBLE DETAINER Amount : XXXX Assets : XXXX Case # : XXXX FILING on XX/XX/XXXX Plaintiff : XXXX XXXX XXXX Defendant : XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Court : XXXX XXXX XXXX XXXX Originating Court Department : SC Please remove from credit REQUEST DATE XX/XX/XXXX XXXX XXXX COMPLETED XX/XX/XXXX XXXX XXXX Meets Property Requirements No National XXXX XXXX Records Found No Criminal Records Found STATUS Does Not Meet Property Requirements Civil Court Records Found Case # : XXXX POSSESSION on XX/XX/XXXX Plaintiff : XXXX XXXX XXXX Defendant : XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Court : XXXX XXXX XXXX XXXX Originating Court Department : SC Action Type : FORCIBLE ENTRY/DETAINER Filing Type : FORCEIBLE DETAINER Amount : XXXX Assets : XXXX Case # : XXXX FILING on XX/XX/XXXX Plaintiff : XXXX XXXX XXXX Defendant : XXXX , XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Court : XXXX XXXX XXXX XXXX Originating Court Department : SC Screening Report - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Property Screening Result Application Result : REJECT Applicant Information NAME : XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX EMAIL : XXXX CURRENT ADDRESS:XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Additional Applicant Information Residence History This applicant has rented or owned TIME AT CURRENT ADDRESS:XXXX XXXX XXXX XXXX Employment/Income PRIMARY INCOME : {$5700.00} per month PROPOSED RENT : {$1700.00} RENT/INCOME:XXXX XXXX TIME AT CURRENT JOB:XXXX XXXX XXXX XXXX VERIFICATION RESULTS HOUSING VERIFICATION : Meets Property Requirements EMPLOYMENT VERIFICATION : Meets Property Requirements Individual Result REJECT Additional Information Reasons for Result Civil Court History Does Not Meet Property Requirements Severe level of Charge-offs Severe level of late credit payments Items to review COMPLETED DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER ADDRESSES Address : Filed : Address : Filed : SERVICE Credit Report Criminal Search Premium National Civil Court Records Search Rental History Search OFAC Name Search XXXX CREDIT REPORT PERSONAL INFORMATION Name : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX REQUEST DATE XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number of inquiries in the Past 6 Months Rental History Records Found Premium National Civil Court Records Found STATUS Complete Meets Property Requirements No National XXXX Offender Records Found
No Criminal Records Found Does Not Meet Property Requirements Civil Court Records Found Meets Property Requirements Records Found No Matches Found PRIMARY ADDRESS Address : Filed : EMPLOYMENT Company : Title : Company : Title : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX SSN MATCHES SSN issued between XXXX and XXXX TRADE REFERENCES XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : Partly secured Current Balance : XXXX Past Due Amount : XXXX XXXX Monthly Payment : n/a Late Payments over the last 28 months : Responsibility : Individual Credit Limit : XXXX High Balance : n/a Acct. Terms : 012 Date Opened : Last Active On : Date Updated : Balance Date : XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX payment over XXXX days late ; XXXX payment over XXXX days late ; XXXX payments over XXXX days late ; XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquencies : Max : XXXX ; on XXXX Previous : on XXXX Previous : on XXXX Remarks : Attorney or outside agency account Balance charged to loss XXXX XXXX XXXX XXXX XXXX XXXX Account type : Credit card Current Balance : XXXX Past Due Amount : XXXX XXXX Monthly Payment : n/a Late Payments over the last 15 months : Credit Limit : High Balance : Acct. Terms : Responsibility : Individual XXXX n/a REV Date Opened : Last Active On : Date Updated : Balance Date : XXXX XXXX XXXX n/a XXXX XXXX payments over XXXX days late ; XXXX payments over XXXX days late ; XXXX payments over XXXX days late ; XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquencies : Max : XXXX ; on XXXX Previous : on XXXX Previous : on XXXX Remarks : Acct delinquent XXXX days FCBA - disputed account Balance charged to loss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : Credit card Current Balance : XXXX Past Due Amount : XXXX XXXX Monthly Payment : n/a Late Payments over the last XXXX months : Responsibility : Individual Credit Limit : XXXX High Balance : n/a Acct. Terms : REV Date Opened : Last Active On : Date Updated : Balance Date : XXXX XXXX n/a XXXX OK OK OK OK XXXX payments over XXXX days late ; XXXX payment over XXXX days late ; XXXX payments over XXXX days late ; XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquencies : Max : XXXX ; on XXXX Previous : on XXXX Previous : on XXXX Remarks : Acct delinquent XXXX days Account was in dispute - now resolved Balance charged to loss XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : Credit card 2 Responsibility : Individual Current Balance : n/a Past Due Amount : n/a Monthly Payment : n/a Late Payments over the last XXXX XXXX : Credit Limit : XXXX High Balance : n/a Acct. Terms : REV Date Opened : Last Active On : Date Updated : Balance Date : XXXX XXXX n/a XXXX XXXX payment over XXXX days late ; XXXX payment over XXXX days late ; XXXX payments over XXXX days late ; XXXX XXXX OK XXXX XXXX XXXX XXXX OK OK OK OK XXXX XXXX XXXX Delinquencies : Max : XXXX ; on XXXX Previous : on XXXX Previous : on XXXX Remarks : Acct delinquent XXXX days Transferred to another lender Balance charged to loss XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : Educational Current Balance : Past Due Amount : Monthly Payment : XXXX XXXX XXXX XXXX n/a XXXX XXXX Credit Limit : High Balance : Acct. Terms : XXXX XXXX XXXX XXXX Date Opened : Last Active On : Date Updated : Balance Date : XXXX XXXX XXXX n/a n/a XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : Current account Transferred to another lender Account closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : Auto loan Current Balance : XXXX Responsibility : Individual Credit Limit : XXXX Date Opened : Last Active On : Date Updated : Balance Date : XXXX XXXX n/a XXXX OK OK OK OK Responsibility : Individual XXXX n/a XXXX XXXX XXXX Past Due Amount : Monthly Payment : Late Payments over the last XXXX XXXX : XXXX High Balance : n/a XXXX Acct. Terms : XXXX XXXX payments over XXXX days late ; XXXX payment over XXXX days late ; XXXX payments over XXXX days late ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX OK OK OK OK OK OK XXXX OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquencies : Max : on XXXX Previous : on XXXX Previous : on XXXX Remarks : Acct delinquent XXXX now XXXX XXXX or XXXX Open DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX Account type : Educational Current Balance : Past Due Amount : Monthly Payment : XXXX n/a XXXX Responsibility : Individual XXXX Date Opened : n/a Last Active On : XXXX Date Updated : Balance Date : XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX Late Payments over the last XXXX months : XXXX payments over XXXX days late ; XXXX OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX Credit Limit : High Balance : Acct. Terms : XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquencies : Max : Acct delinquent XXXX days on XXXX Previous : on XXXX Previous : on XXXX Remarks : Acct delinquent XXXX days - now current Open DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Account type : Educational Current Balance : Past Due Amount : Monthly Payment : XXXX n/a XXXX Responsibility : Individual XXXX Date Opened : n/a Last Active On : XXXX Date Updated : Balance Date : XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX Late Payments over the last XXXX months : XXXX payments over XXXX days late ; XXXX OK OK OK OK OK OK OK OK Credit Limit : High Balance : Acct. Terms : XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquencies : Max : Acct delinquent XXXX days on XXXX Previous : on XXXX Previous : on XXXX Remarks : Acct delinquent XXXX days - now current Open DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Account type : Educational Current Balance : Past Due Amount : Monthly Payment : XXXX n/a XXXX Responsibility : Individual XXXX Date Opened : n/a Last Active On : XXXX Date Updated : Balance Date : XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX Late Payments over the last XXXX months : XXXX payments over XXXX days late ; XXXX OK OK OK OK OK OK OK OK Account type : Educational Current Balance : Past Due Amount : Monthly Payment : XXXX n/a XXXX Responsibility : Individual XXXX Date Opened : n/a Last Active On : XXXX Date Updated : Balance Date : XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX Late Payments over the last XXXX months : XXXX payments over XXXX days late ; XXXX OK OK OK OK OK OK OK OK Credit Limit : High Balance : Acct. Terms : XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquencies : Max : Acct delinquent XXXX days on XXXX Previous : on XXXX Previous : on XXXX Remarks : Acct delinquent XXXX days - now current Open DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Credit Limit : High Balance : Acct. Terms : XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquencies : Max : Acct delinquent XXXX days on XXXX Previous : on XXXX Previous : on XXXX Remarks : Acct delinquent XXXX days - now current Open 4 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Account type : Educational Current Balance : Past Due Amount : Monthly Payment : XXXX n/a XXXX Responsibility : Individual XXXX Date Opened : n/a Last Active On : XXXX Date Updated : Balance Date : XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX Late Payments over the last XXXX months : XXXX payments over XXXX days late ; XXXX OK OK OK OK OK OK OK OK Late Payments over the last XXXX months : XXXX payments over XXXX days late ; XXXX OK OK OK OK OK OK OK OK Credit Limit : High Balance : Acct. Terms : XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquencies : Max : Acct delinquent XXXX days on XXXX Previous : on XXXX Previous : on XXXX Remarks : Acct delinquent XXXX days - now current Open DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Account type : Educational Current Balance : Past Due Amount : Monthly Payment : XXXX n/a XXXX Responsibility : Individual XXXX Date Opened : n/a Last Active On : XXXX Date Updated : Balance Date : XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX Credit Limit : High Balance : Acct. Terms : XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquencies : Max : Acct delinquent XXXX days on XXXX Previous : on XXXX Previous : on XXXX Remarks : Acct delinquent XXXX days - now current Open DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Account type : Educational Current Balance : Past Due Amount : Monthly Payment : XXXX n/a XXXX Responsibility : Individual XXXX Date Opened : n/a Last Active On : XXXX Date Updated : Balance Date : XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX Late Payments over the last XXXX months : XXXX payments over XXXX days late ; XXXX OK OK OK OK OK OK OK OK Delinquencies : Max : Acct delinquent XXXX days on XXXX Previous : on XXXX Previous : on XXXX Remarks : Acct delinquent XXXX days - now current Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : Credit line secured Current Balance : XXXX Past Due Amount : n/a Monthly Payment : XXXX Credit Limit : High Balance : Acct. Terms : Responsibility : Individual n/a Date Opened : XXXX Last Active On : REV Date Updated : Balance Date : XXXX XXXX n/a XXXX Credit Limit : High Balance : Acct. Terms : XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : Current account Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : n/a Current Balance : Past Due Amount : Monthly Payment : XXXX n/a XXXX Credit Limit : High Balance : Acct. Terms : Responsibility : Individual XXXX n/a REV XXXX XXXX XXXX Date Opened : n/a Last Active On : XXXX Date Updated : n/a Balance Date : XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : Current account Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : n/a Current Balance : Past Due Amount : Monthly Payment : XXXX n/a XXXX Credit Limit : High Balance : Acct. Terms : Responsibility : Individual XXXX Date Opened : n/a n/a Last Active On : XXXX REV Date Updated : n/a Balance Date : XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : Current account Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : n/a Current Balance : Past Due Amount : Monthly Payment : XXXX OK OK OK OK OK OK XXXX n/a XXXX Credit Limit : High Balance : Acct. Terms : Responsibility : Individual XXXX n/a REV Date Opened : n/a Last Active On : XXXX Date Updated : n/a Balance Date : XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : Current account Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : n/a Current Balance : Past Due Amount : Monthly Payment : XXXX OK OK OK OK OK XXXX n/a XXXX Credit Limit : High Balance : Acct. Terms : XXXX Responsibility : Individual XXXX n/a REV Date Opened : n/a Last Active On : XXXX Date Updated : n/a Balance Date : XXXX XXXX OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : Current account Open XXXX XXXX XXXX XXXX - DISCHARGED Responsibility : INQUIRIES Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BUREAU INFORMATION Individual Name Court : Court # : Docket # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : Date Reported : Amount : XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subscription # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Responsibility Type Amount Real estate mortgage n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a XXXX XXXX n/a n/a n/a n/a n/a XXXX XXXX XXXX XXXX XXXX TX XXXX PREMIUM NATIONAL CRIMINAL RECORDS SEARCH REQUEST DATE COMPLETED XXXX XXXX XXXX XXXX XXXX XXXX PREMIUM NATIONAL CIVIL COURT RECORDS SEARCH STATUS REQUEST DATE XXXX XXXX XXXX COMPLETED XXXX XXXX XXXX Meets Property Requirements No National XXXX Offender Records Found No Criminal Records Found STATUS Does Not Meet Property Requirements Civil Court Records Found Case # : XXXX POSSESSION on XXXX Plaintiff : XXXX XXXX XXXX Defendant : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Court : XXXX XXXX XXXX XXXX Originating Court Department : SC Action Type : FORCIBLE ENTRY/DETAINER Filing Type : FORCEIBLE DETAINER Amount : XXXX Assets : XXXX Case # : XXXX FILING on XXXX Plaintiff : XXXX XXXX XXXX Defendant : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Court : XXXX XXXX XXXX XXXX Originating Court Department : SC 7 Action Type : CIVIL NEW FILING Filing Type : NEW SUIT Amount : XXXX Assets : XXXX RENTAL HISTORY SEARCH REQUEST DATE XXXX XXXX XXXX Personal Information COMPLETED XXXX XXXX XXXX STATUS Meets Property Requirements Records Found Name : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : - ; Annual Income : Years on Job : SSN : XXXX DL : DL State : Tenant Information Lease Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Property Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX Reasons for Result : This Payment History meets requirements XXXX GA XXXX Lease information : Begin : End : Notice : Payment History : Rent : XXXX OFAC/SDN SEARCH REQUEST DATE XXXX XXXX XXXX Database ( s ) Searched : XXXX XXXX XXXX XXXX XXXX XXXX Move in : Move out : XXXX XXXX XXXX Total Rent Paid : XXXX COMPLETED XXXX XXXX XXXX US Treasury Department - OFAC - SDN & Blocked Persons Total Write-Offs : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
W - Rent Write-off U - Non-Rent Write-off O - Outstanding balance N - NSF L - Late P - Paid as Agreed Powered by STATUS CUSTOMER ACKNOWLEDGEMENT Your use of the information in this report is strictly subject to the terms of your screening agreement with XXXX and all applicable laws and regulations, including the federal Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( " FCRA '' ). Any credit, criminal, civil or rental history information about the individual to whom this tenant screening report pertains was obtained from public records or third-party consumer reporting agencies. XXXX, XXXX follows reasonable procedures to assure maximum possible accuracy of the information in this report but can not guarantee the accuracy or truthfulness of the records. XXXX will suppress information that the applicant disputes as inaccurate or incomplete, and will notify you of the results of any dispute.
XXXX does not manage or rent properties, does not set applicant eligibility criteria, and does not make rental decisions. All eligibility criteria are set, and all rental decisions are made, by the responsible property manager or owner.
8 No Records Found Processing Information DATE ENTERED : XXXX XXXX XXXX INPUT BY : XXXX POLICY : XXXX MARKET SOURCE : Please remove XXXX FROM CREDIT
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12/22/2022 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Per XXXX XXXX and XXXX XXXX XXXX Permissible purposes XXXX XXXX XXXX {$910.00} is reporting incorrect across all XXXX credit reporting agencies XXXX, XXXX, Equifax.Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Every month XXXX XXXX XXXX is reporting C/O charge off on my credit report and that is illegal you can't charge off a debt every month it is re-aging the debt making it look newer than what it is and manipulating the the system. XXXX XXXX XXXX has violated my privacy numerous of times by selling my information multiples times to XXXX party without my consent. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. are the XXXX companies XXXX XXXX XXXX has sold my personal information to such as my address, social security number, birthday and name and they are lying about it. XXXX XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. XXXX XXXX XXXX They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. Here is a list of laws that XXXX XXXX XXXX is abusing and violating me as well as all XXXX credit reporting agencies XXXX, Equifax and XXXX.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made.
( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public.
31 CFR 29.518 - Reporting delinquent debts to credit bureaus.
e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau.
15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer.
( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.
( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ).
( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ).
( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available.
Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required.
( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per Cfr 1022.41 and 15 USC 1681 Permissible purposes XXXX XXXX and XXXX XXXX XXXX {$890.00} is reporting inaccurate across all 3 credit reporting agencies XXXX, XXXX, Equifax.Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Every month XXXX XXXX and XXXX XXXX XXXX is reporting C/O charge off on my credit report and that is illegal you can't charge off a debt every month it is re-aging the debt making it look newer than what it is and manipulating the the system. XXXXXXXX XXXX and XXXX XXXX XXXX has violated my privacy numerous of times by selling my information multiples times to 3rd party without my consent. XXXX XXXX XXXX is the company XXXX XXXX has sold my personal information to such as my address, social security number, birthday and name and they are lying about it. XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. XXXX XXXX They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXXXXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. Here is a list of laws that XXXXXXXX XXXX is abusing and violating me as well as all 3 credit reporting agencies XXXX, Equifax and XXXX.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
c ) Furnisher means an entity that furnishes information relating to consumers to one or
more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of
the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made.
( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public.
31 CFR 29.518 - Reporting delinquent debts to credit bureaus.
e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau.
15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement
( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer.
( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.
( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ).
( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ).
( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available.
Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required.
( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
Subject : Complaint Regarding Failure to Investigate Disputed Credit Report Information Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding the failure of Bureau 's to investigate and rectify inaccuracies on my credit report, as mandated by the provisions of the United States Code ( USC ) definition.
Background Information : Equifax : 1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Account Number : Employers : XXXX XXXX 4. The following personal information is incorrect Account Number : Employers : XXXX XXXX The following personal information is incorrect Account Number : Employers : RETIRED 6. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report.
7. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
33. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
34. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
35. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and XXXX ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
36. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
37. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
38. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and XXXX ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
39. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
40. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
41. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
42. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
43. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : 1. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report.
2. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report.
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
23. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
24. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
25. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
26. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
27. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
28. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
29. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
30. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
31. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX/XXXX Account Number : XXXX Please investigate and delete from my credit report.
32. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
33. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
34. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
35. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
36. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
37. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
38. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
39. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
40. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : Employers : XXXX XXXX 3. The following personal information is incorrect Account Number : Employers : XXXX 4. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
20. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
21. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
22. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
23. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
24. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
25. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
26. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
27. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
28. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
29. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
30. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
31. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
32. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
33. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
34. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX According to the provisions outlined in the USC code, specifically Under 15 U.S. Code 1681 The definition of " INVESTIGATE '' : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have the right to dispute inaccurate information on my credit report. I exercised this right and submitted a formal dispute to the Bureau 's on XX/XX/XXXX. The inaccuracies pertain to Collection entry on my credit report that I have never authorized or entered into any contractual agreement with. Cease all collection activities until investigation completion. 15 U.S. Code 1681s 2, 1681a ( 3 ).
.
Despite providing all necessary documentation and evidence to support my dispute, Bureau 's has failed to initiate a thorough investigation into the matter. As per the USC code definition, it is the responsibility of the credit bureau to conduct a reasonable investigation upon receiving notice of a dispute.
I am deeply concerned about this violation of the law and the potential negative impact on my creditworthiness. The failure to investigate my dispute not only undermines my rights as a consumer but also compromises the accuracy and integrity of the credit reporting system as a whole.
I kindly request your intervention and assistance in addressing this matter. I believe it is imperative for the Bureau 's to adhere to the regulations set forth in the USC code and fulfill its obligation to investigate and correct inaccuracies on my credit report.
Enclosed with this letter, you will find copies of the correspondence exchanged between myself and the Bureau 's including the initial dispute letter, supporting documentation, and any responses or lack thereof. These documents serve as evidence of the credit bureau 's failure to comply with the USC code.
I respectfully ask that you investigate this matter further, ensure compliance with the applicable USC code, and take appropriate actions against the Bureau 's for their non-compliance. Additionally, I kindly request that you keep me informed of any progress or developments regarding my complaint.
Thank you for your attention to this serious matter. I trust in the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights, and I look forward to a prompt resolution of this dispute.
Sincerely,
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04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name XXXX XXXX AS OF XX/XX/XXXX I have reached out to XXXX AND XXXX AND EQUIFAX disputes department and I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent accounts and fraudulent inquiries would be removed from my consumer reports as of XX/XX/XXXX XXXX still hasnt removed the accounts that are associated with Fraud I sent over countless documents I was told by XXXX that they were doing an investigation. They never showed me the results of that investigation in the procedures in which they took during that investigation to validate or verify anything that Im disputing on my consumer report, they continue to report the fraudulent addresses, these fraudulent addresses they claim are connected to certain accounts again Im not able to receive any correspondence or mail at these addresses. I have sent over a copy of my photo ID, my Social Security card, my birth certificate multiple times AS I HAVE RECENTLY DISPUTED WITH this CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I have sent over a CALIFORNIA STATE Attorney Generals report outlining all of the fraudulent accounts, the fraudulent addresses, the fraudulent inquiries about XXXX XXXX. They persist to report them in violation of the FCRA. They have not done a clear and conspicuous investigation. Also, I have sent a FTC complaint a XXXX complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. XXXX demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts.15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX 15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act To : Whom it may concern at XXXX You are in violation of the Fair Credit Reporting Act ( " FCRA '' ) The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ). 15 USC 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) This is also a cease and desist of, the fraudulent accounts to being reported I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reportsXXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX this information to my consumer report XXXX I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reportsXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act.with this account particularly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hAS been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. VIOLATION ) ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ( XXXXXXXX XXXX XXXXXXXX acct XXXX XXXX XX/XX/XXXX amount {$400.00} ) -U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. ( VIOLATIONS ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reportsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXX XXXX section XXXX A. Section XXXX : It also states a consumer given reporting agency can not furnish an account without my written instruction. ( VIOLATIONS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ( VIOLATIONS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( VIOLATION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the many addresses that are fraudulently on my consumer reports.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. ( VIOLATIONS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. ( VIOLATIONS ) 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ( VIOLATION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( VIOLATIONS ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the many addresses that are fraudulently on my consumer reportsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; this is a violation by COMMITED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). UCC 9-201 ~ Request for accounting XXXX XXXX XXXX XXXX XXXXXXXX says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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As you will see and read and have evidence of, The collection accounts furnished by XXXX XXXX XXXX were unlawful and I have demanded you remove these from my credit file.
But Thank you for reviewing my complaints I am submitting to you today. As you will see, it has been a long and exhausting year for me dealing with this company called XXXX XXXX XXXX, a local collections agency/debt collector located here in XXXXXXXX XXXX XXXX XXXX
I attest that the information that I am about to share with you is true, accurate, and I have records and evidence to support these complaints I am about to share with you.
I feel confident that upon your reviewing of these complaints, you will agree with me that this collections agency, XXXX XXXX XXXX, operates in a rogue manner, is deceptive in its collections activities, and lawless as the record will show that both XXXX XXXX laws were broken by the XXXX XXXX XXXX and Federal laws as well.
The actions of XXXX XXXX XXXX, collection agency licensed by the state of North Carolina, has conducted themselves way and above that of acceptable behavior and I truly feel I am not the only one that has gone through the nightmare over the past year as XXXX XXXX XXXX is very known in the community for being that as I described them above by many others that have had the pleasure of dealing with them at some point as well.
I am going to approximate numbers at some points in my complaints but you will see that the gross misconduct is established early on but I would like a forensic review of the documents that I have to get actual numbers, if you need those, but I will attest to this, the complaint content that I provide to you is indisputable and I could only XXXX how XXXX XXXX XXXX is going to respond to all of these complaints other than I, XXXX XXXX, are absolutely correct.
It would not be a surprise to me if they perjure themselves as they have when they falsified their responses over XXXX times to disputes that I filed with the XXXX XXXX XXXX XXXX and of course over XXXX times to the XXXX credit bureaus ; XXXX, Equifax, and XXXX in their responses to disputes that I filed with the credit bureaus ranging from requests of validation of the XXXX aging medical debts that XXXX XXXX XXXX had been reporting to the credit bureaus and other misconduct such as reporting junk data to my credit files.
XXXX XXXX XXXX, in my opinion, used the method of parking with regards to XXXX collection accounts they apparently procured from another company called XXXX, XXXX XXXX as indicated on my credit files " even today. It clearly lists XXXX XXXX XXXX As an original creditor, therefore I followed the proper steps and began disputing these XXXX collection accounts that were being reported and data was being furnished to the XXXX credit bureaus directly by XXXX XXXX XXXX XXXX
On or about XX/XX/XXXX, I received my first response to my complaints/disputes of these XXXX accounts from XXXX ; It is fair to say that at the same time that I filed disputes with XXXX that XXXX Equifax and XXXX were informed but I do not have access to that far back with those XXXX credit reporting agencies but I can get that information if needed.
For the sake of ease, its fair to say I began disputing with the credit bureaus toward the end of XXXX of XXXX and clearly before the end of XX/XX/XXXX, XXXX XXXX XXXX were alerted to and they began their responses to my disputes via the dispute process with the XXXX credit bureaus and during those disputes, communication had established even though indirectly with the credit bureaus, but I followed procedure and in doing so my rights were violated multiple times and a spiral of blatant misconduct and disregard to the laws of XXXX and the XXXX Government began by the collection agency XXXX XXXX XXXX.
According to report number XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX all from XXXX, shows XXXX that at least XXXX separate times prior to XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX with at least XXXX disputes and instead of following the laws and automatically forwarding information to my home, or me however they chose to do so, but they did not follow the laws when they very well knew that after contact with a consumer especially during a direct dispute process with all three credit bureaus, can not deny that they were aware of my formal disputes because across XXXX credit reporting agencies, XXXX reports in XXXX, that is XXXX times that they were being notified that I was disturbing these XXXX again debts and took no action.
It is indisputable that XXXX XXXX XXXX " parked those XXXX aging collections accounts on my credit files until I learned of them. According to the Federal Trade Commision, this method of parking collections on consumers credit files is better explained by an article published by the FTC.
Just what is debt parking?
Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they XXXX not actually owe the money.
Source XXXX XXXX XXXX XXXX The record will show that in over XXXX complaints that I filed over several months disputing these XXXX aging medical debts with XXXX credit bureaus, not XXXX time did XXXX XXXX XXXX ever XXXX stop and send to me anything in the mail nor did they contact me in anyway whatsoever to provide to me that information that are required by law to provide to me prior to collections activities against me especially reporting derogatory data to the credit bureaus against me in this case its been approximately XXXX days ago that XXXX XXXX XXXX XXXX XXXX derogatory information regarding XXXX medical debts for {$1000.00} and {$85.00}.
XXXX XXXX, XXXX XXXX and XXXX XXXX days ago, XX/XX/XXXX, is when XXXX XXXX XXXX, a local collection agency began reporting derogatory medical debts to the XXXX credit bureaus thus causing damages to my credit score for many years without my knowledge.
Once I learned of these XXXX medical debt collections on my credit files, I followed protocol and began disputing these XXXX medical debts only to be ignored by the XXXX credit bureaus when all they did in each and every complaint since then and I would XXXX its close to XXXX XXXX complaints, agreed with XXXX XXXX XXXX each and every time and would always simply say something to the tune of XXXX XXXX XXXX has validated the XXXX accounts and would do nothing.
Those XXXX collections remain on my credit reports today even after I have filed over XXXX plus complaints with the XXXX credit bureaus, and close to XXXX complaints with the XXXX XXXX XXXX XXXX where in over XXXX of those complaints filed with the XXXX XXXX XXXX XXXX, a U.S. government website let me remind you, XXXX XXXX XXXX blatantly falsified their responses to my complaints in efforts to conceal that they have never validated these accounts properly but mostly to conceal the complaint that I filed against XXXX XXXX XXXX for mailing me an unlawful letter in the mail dated XX/XX/XXXX, XXXX that contained content that was unlawful, confirming that that letter was the ABSOLUTE FIRST TIME EVER IN HISTORY OVER THE PAST XXXX YEARS THAT XXXX XXXX XXXX EVER PROVIDED TO ME ANYTHING IN THE MOST MISERABLE ATTEMPT TO VALIDATE THESE XXXX DEBTS!
The record shows that NEVER in the history of XXXX years of XXXX XXXX XXXX reporting XXXX medical debts on my credit files did they ever provide to me anything even after over XXXX plus complaints. The record will show that XXXX XXXX XXXX ONLY THEN provided me with their miserable attempt of validation of these XXXX debts only after I finally submitted a complaint to the XXXX. The XXXX XXXX XXXX XXXX did finally mail to me an envelope that contained unlawful data and possibly unlawful PHI disclosed to them by the original creditor, XXXX XXXX XXXX
I was absolutely shocked.
The record will show that XXXX XXXX XXXX never provided to, offered to, mailed to me, contacted me, or had the original creditor, XXXX, XXXX XXXX, ever send to me a letter of validation if you want to call it that, but XXXX years later is ridiculous and unlawful because they were to send me a letter of notification XXXX days after our first point of communications and that was in XX/XX/XXXX when I filed XXXX different disputes against XXXX XXXX XXXX therefore they were aware that I had disputed these accounts formally and did not follow the law and immediately send to me the information that I was requesting.
XXXX XXXX XXXX did not provide to me any copies, historical copies, historical letters of notification, copies of anything that they could have sent to me since XX/XX/XXXX, not did they even mention them in over XXXX complaints to the XXXX credit bureaus, which in combination that is XXXX complaints, XXXX to Equifax, XXXX to XXXX, XXXX XXXX XXXX Not one time did they make an attempt to mitigate their actions. Not one time did they provide anything and in their own words in the letter dated XX/XX/XXXX when they said They contacted their client .....
XXXX XXXX XXXX violated the law when they did not provide to me any notification of XXXX debts back in XX/XX/XXXX even though XXXX plus complaints with the XXXX credit bureaus and close to XXXX complaints with the XXXX. XXXX XXXX XXXX, did they ever mention to the fact that they followed the law, never attempted to produce any evidence of following laws stemming back to XX/XX/XXXX, and did not take any action in XX/XX/XXXX when they were formally notified that I was disputing these XXXX debts and thus far has never once provided to me the proper notification or validation of these XXXX aging debts theyve been reporting, until they finally did when they mailed to me dated XX/XX/XXXX, a letter that contained unlawful content because they threatened me with laws that do not exist, ridiculed me and characterized me as a furious disputer, threatened me with laws that DO NOT EXIST, told me to BE AWARE that those XXXX debts have already been reported to the credit bureaus. Breaking the law again!
XXXX XXXX XXXX, as you will see in the attachments, only sent to me finally XXXX years later and after XXXX plus state and federal disputes, sent me their miserable attempt to validate these XXXX debts only XXXX days ago. What XXXX XXXX XXXX did 126 days ago they were supposed to do approxim ley XXXX days ago ( XXXX years ago, XX/XX/XXXX ).
The letter sent to me dated XX/XX/XXXX also has a statement from XXXX, XXXX XXXX that possibly contains unlawful PHI. That statement shows again from XXXX, XXXX XXXX, they did not provide any copy of any former notification letters or any copies of anything ever sent to me by anyone as they were both dated XXXX XXXX and XX/XX/XXXX, respectively, and show that both XXXX XXXX XXXX have essentially both conspired to Park these collections and I am in fear that this same practice is not being done with other people knowing that XXXX XXXX XXXX has XXXX of thousands possibly, medical collection they are collection given to them by XXXX XXXX XXXX
I believe the reason is that XXXX XXXX XXXX distributes collections to XXXX XXXX XXXX is the fact that XXXX XXXX was charged by the XXXX XXXX XXXX XXXX several years with the False Claims Act where they defrauded XXXX, XXXX, XXXX XXXX XXXX. Although they worked it out, XXXX XXXX, paid back over {$600000.00} dollars ; But they werent guilty XXXX There is an air of criminal behavior here amongst both XXXX XXXX XXXX and XXXX XXXX XXXX After XXXX complaints to the XXXX credit bureaus ( XXXX in combination of all three bureaus, and close to XXXX complaints filed with the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided fictitious information that they attested to in their responses to the very complaints that I have been disputing and complaining for years.
Even today, XXXX XXXX XXXX is still reporting these XXXX medical debts on my credit report even though they have violated state and federal laws, and in their deceptive responses to close to XXXX complaints with the United States XXXX XXXX XXXX, i suppose they aren't scared to lie to anyone ; XXXX if I would lie to a U.S. Government website because each time they lied is a federal charge I have confirmed that.
Their deceptive responses time and time again, validating with the XXXX credit bureaus makes me sick because for the very fact that I have been requesting, disputing, in in combination XXXX times all in all, XXXX XXXX XXXX somehow being deceptive provided something to the XXXX credit bureaus to validate these accounts time and time again in every dispute but never provided anything to me until the unlawful letter.
XXXX XXXX XXXX continues to furnish XXXX XXXX to the credit bureaus. Right now as we speak, after all the violations, XXXX XXXX XXXX, acting like lone wolves, continues to blatantly violate the laws when in their attempt to maliciously destroy me financially and have damaged my credit score unlawfully for years that is proven on record ; Continue as we speak today violating my rights and have refused to mitigate or have some compassion for the damages they have caused me over the past year or fighting to keep my credit file clean when I have over XXXX plus accounts with not a late payment for XXXX years is my oldest account.
I pay my bills. And if XXXX XXXX XXXX or XXXX XXXX XXXXXXXX would have given me a bill and I would have paid it. The record shows that NO BILL was ever sent to me and when they did miserably attempt to provide something since I complained to the feds, you see what I got in the attached letters.
Junk Data is still being reported unlawfully against me on my credit files. XXXX XXXX XXXX has violated the law and my rights again.
The federal government has warned credit agencies from reporting junk data to consumers ' credit files. When consumer reporting companies include inconsistent or conflicting account information or information that does not make sense or can not be true, consumers can suffer real-world consequences. Junk data in reports can lead to consumers being denied credit, housing, or employment, or paying more for credit. Junk data can take many forms, but some examples are credit reports that reflect a child having a mortgage, or a credit report that reflects a debt incurred years before the persons birth.
Financial data has reported junk data to the credit bureaus and it is illegal and deceptive trade practices. They are posting this to the credit bureaus : Seriously past due date ( XXXX ) assigned to attorney ( XXXX ) collection agency ( XXXX ) or credit grantor 's internal collection department Lets break this down so you get the drift. This is another ploy of their deceptive behavior to junk up my credit files with junk data. This is unlawful and deceptive : XXXX. Serious past due is already established in the account type and payment summary, this is unfair and unfair is a violation of the fake fair credit reporting act.
XXXX. It is not assigned to an attorney- I have never received any correspondence or XXXX XXXX XXXX have systematically lied and this is deceptive and unfair which is a violation of The fair credit act.
XXXX. This is deceptive and Unfair as the company itself is not the original creditor and XXXX XXXX XXXX is a bonafide collection debt collector, and procured these debts to collect in the same function any collection agency collections debts procured by the original creditor, they are the collection agency and this is deceptive and unlawful.
XXXX. This is deceptive and Unfair as the company itself is not the original creditor and XXXX XXXX XXXX is a bonafide collection debt collector, and to furnish data that this is an in-house collection department action is unlawful, deceptive, and not fair. These debts were procured from the original debtor for the purpose of collecting these debts in their normal day operations as they perform services as a collection agency for the sole purpose to collecting debts from third parties whom they procure debts. XXXX XXXX XXXX is a separate company that the original creditor and are exclusively in the business for collecting third party debts and this is not a bill that was created or owed to XXXX XXXX XXXX at any time until they procured these XXXX debts to perform the service they were contacted to do and thats collections of aging debts derived from other businesses, to collect in the same function any collection agency collections debts procured by the original creditor, they are the collection agency and this is deceptive and unlawful. Under section XXXX ( b ) of the Fair Credit Reporting Act, consumer reporting companies must follow reasonable procedures to assure maximum possible accuracy of the information they collect and report. The advisory opinion is intended to serve as a reminder to consumer reporting agencies that the failure to maintain reasonable procedures to screen for and eliminate logical inconsistencies, to prevent the inclusion of facially false data in consumer reports, is a violation of [ section XXXX ( b ) ]. The opinion states that a consumer reporting agencys policies and procedures should be sufficient to detect tradelines with account statuses or codes that are plainly inconsistent with other information reported for that same account such that, if included in a consumer report, at least XXXX item of information therein would necessarily be inaccurate. The opinion provides the following examples of logically inconsistent account information or statuses : An account whose status is paid in full, and thus has no balance due but nevertheless reflects a balance due ; An account that reflects an XXXX XXXX XXXX that increases over time, an impossibility by definition ; and Derogatory information being reported on an account, although that derogatory information predates an earlier report that did not include the derogatory information. The opinion further states that a consumer reporting agencys policies and procedures should further identify and prevent illogical reporting of a Date of First Delinquency in connection with an account and provides examples of an illogical Date of First Delinquency. The opinion also addresses the need for a consumer reporting agencys policies and procedures to identify logical inconsistencies in consumer information such that, if included in a consumer report, some of the information therein would necessarily be inaccurate. Such inconsistencies include impossible information about consumers and information about consumer accounts that is plainly inconsistent with other reported information, such that XXXX piece of information must be inaccurate. The opinion advises that consumer reporting companys policies, procedures and internal controls should further identify and prevent reporting of illegitimate credit transactions for a minor. It states that minors generally can not legally enter into contracts for credit except in limited circumstances, including applications for student loans, for emancipated minors, or as credit card authorized users. The CFPB notes that minors, particularly minors in the foster care system, are more susceptible to identity theft and inaccurate credit history information.
Attached to this complaint is a PDF that covers the unlawful letter sent to me from XXXX XXXX XXXX and I tried to analyze it with assistance and I feel it is just.
Please help me stop this nightmare of events I have been subjected to since XX/XX/XXXX.
I truly feel that a review should be taken regarding the behavior and activities of XXXX XXXX XXXX and the record will show that I will prevail in proving deceptive trade practices and unlawful behavior beyond any series of complaints that you have received against a North Carolina collection agency and ask that you seek a temporary restraining order against XXXX XXXX XXXX from providing collections services at least in their dealings with XXXX XXXX XXXX so you can protect the rights of other consumers that have fallen under the cloud of lawlessness of XXXX XXXX XXXX and take into consideration their blatant disregard to N.C.State laws and XXXX Federal laws, please stop them from performing collection activities until you are able to secure accountability and complete an audit of alleged unlawful conduct.
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04/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of XX/XX/XXXX ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT # 1 XXXX/XXXX - Missed Payments XX/XX/XXXX & XX/XX/XXXX XXXX and XXXX already removed this account for violations against the Fair Credit Reporting Act.
NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at the address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within a timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
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07/20/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I paid off this account but its still showing that I owe a balance.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXXXXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language.
Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
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09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Older American |
RE : Serious Organized Criminal Acts, Violations of Federal Laws, XXXX Discrimnatory & maliciously took my more than XXXX time asset.
XXXX bank has corrupted, criminally keep trying to destroy me and my family for past XXXX.
XXXX. I have been receiving repeated so many new threats, rude, harrassing, false claim collections phone calls already paid amounts during the Bankruptcy caused by XXXX Bank ( TCF ), which never claimed it before by the XXXX Bank. It is a violation of the Laws of the U.S. Federal Bankruptcy Court, Federal Banking Law, and committing serious crimes. No one is ever responding or answering any of my phone calls. XXXX bank has never sent correct statements, or bills.
A. My Line of Credit account statement suddenly showing total amount is {$17000.00} and {$44000.00}.
a. My credit line of line of credit has been {$30000.00} for 15 years. I have never late or missed any single payment for the past 15 years.
b. I have never asked XXXX bank to increase the credit line, nor XXXX bank asked me increase {$10000.00} credit line especially during the bankruptcy criminally, illegally created and caused by XXXX Bank.
c. I have been paying all the property taxes, insurances and other for the past XXXX on my properties.
d. I have never asked XXXX bank {$10000.00} nor XXXX bank offered me {$10000.00} during the bankruptcy. As you can see XXXX bank has been trying to take more money from me illegally, harassing, making me miserable, and destroy me for XXXX to cover up the malicious, illegally, criminally, falsely, and corrupted taking my {$3.00} XXXX properties and repeated XXXX discrimnatory serious crimes. XXXX bank never gave me {$10000.00}, or cant claim {$10000.00} during the bankruptcy.
XXXX XXXX bank suddenly set up escrow account criminally and asking me to pay the payments for my line of credit account of {$30000.00}. Past XXXX, I have never paid any escrow account payment. There was no escrow account from the beginning. Setting up any escrow account without asking me of my line of credit account.
XXXX XXXX Bank never paid any insurance of property taxes especially criminally caused and created by XXXX Bank.
g. I have been paying all the insurance and taxes by myself all the time for the past 38 years.
h. I spoke to managers and bankers of local XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX at XXXX XXXX and many other times. Managers have been repeatedly telling me that it is absolutely wrong and illegal setting up escrow account for {$30000.00} line of credit.
i. XXXX Bank is the main mortgage account holder of my home loan of {$150000.00} and set up my escrow account.
j. I paid off the total XXXX Bank mortgage amount of {$180000.00}, in spite of my repeated request to remove the lien of {$180000.00}, didnt clear the paid {$180000.00} my mortgage lien for the past 18 years illegally and criminally. I have paid the payment two ( 2 ) times higher interests and paid {$20000.00} more payment over the 15 years to the XXXX Bank.
XXXX XXXX Bank illegally has been claiming already paid amount of {$180000.00} again and again for the paid mortgage XXXX ago, even several times criminally to the Federal Bankruptcy Court during the Bankruptcy.
XXXX XXXX Bank must remove the lien on my property or reduce to {$30000.00}, and shouldnt claim falsely, illegally, criminally, and discrimnatory with corruption.
m. I have never missed, or late any payments for the past XXXX this account, but XXXX Bank has been claiming falsely, criminally reporting delinquent of my payments, late fees, and interests to the XXXX Credit Bureaus XXXX and keep lowing my credit scores all the way to the bottom. It is serious federal crimes and abuse of senior citizens.
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank Credit Department and Escrow Department are trying to collect more money already paid by Federal Bankruptcy Court and criminally took my properties. I had to spent 1-2 hours each time. It is against laws : Federal Bankruptcy, Violation of Collection Laws., They are from all different department and collection Companies, collection law firms.
Threatening innocent Senior citizens criminally, XXXX XXXX was telling me to listen to him and pay it.
XXXX Bank collection and credit department has been calling me 5-6 times every day and has been asking me to pay escrow account of insurance and tax payment total {$17000.00} and {$4100.00}. I have been paying my taxes and insurance premiums for the past XXXX.
I have not received correct bill/statement for the payment since XXXX, XXXX and XXXX of XXXX despite of my request of correct amount and the correct statement. XXXX bank has been continually threatening, and harrassing me every day without any correction or correcting statement make me every time spending hours on the phone from different offices and different people.
XXXX XXXX Bank ask me to contact Escrow department or legal Department of XXXX Bank, but they have never taken any of my phone calls.
XXXX XXXX Bank has committed serious malicious XXXX discrimnatory, crimes to destroy me, my family, innocent senior citizens and my family for the past XXXX.
XXXX. XXXX bank has already committed serious malicious XXXX discrimnatory and financial terror crimes taking my lifeline of money over {$35.00} XXXX criminally.
a. My total loan balance was only {$520000.00} and paid without any problems for the past XXXX.
XXXX XXXX bank vice president XXXX XXXX blocked me from paying off my entire loan payments with corruption of his friend, XXXX XXXX XXXX, retired XXXX. XXXX XXXX asked me to use him to pay off the loan, c. I already had three landers wanted to pay off my entire loan amount. XXXX XXXX didnt allow me to pay off the entire loan to the XXXX Bank XXXX These criminal acts of XXXX Banks internal crime involved XXXX XXXX, XXXX XXXX, and XXXX XXXX, and many other officers.
XXXX. My repeated requests of internal investigation of illegal Corruption, XXXX Discriminatory illegal banking, attacks, malicious criminal business practice, malfunctioning, irreparable, outdated, malfunctioning, not generating confirmation code for the paid payments and faulty computer system and knowingly charging again and again late fees, already paid amounts.
a. I investigated XXXX Banks malfunctioning computer banking system, and criminally charging illegal fees. Because all of the bankers, employees denying the faulty system.
b. The top manager of XXXX Bank XXXX banking system and top Bank management officers well aware of their malfunctioning computer system. The XXXX Bank computer system has never generated any confirmation code or track the payment for years at the time.
c. The top manager notified me that the XXXX Bank Computer banking system was so outdated, irreparable, or unfixable. XXXX Bank must purchase a new system.
d. But XXXX Bank did not have enough money to buy a new system and the XXXX Bank was bankrupt.
XXXX XXXX XXXX and other XXXX Bank managers denied the malfunctioning their system and they have charged me {$100.00} fees each time already paid my loan payments. I have never paid late or missed any single payment for over 30years at the time and my credit score was XXXX.
XXXX. Thats why XXXX Bank accused me illegally, maliciously, racially Discriminatorily targeted me and taking more than 5.5 times lifesaving assets than my total loan amount of {$520000.00}. I lost more than {$3.00} XXXX and serious damages by XXXX Banks XXXX XXXX Bank ) illegal acts.
XXXX. No other people knew or complaining about their computer malfunctioning bank system and corruption.
I have never had any problems with XXXX XXXX Bank for the past XXXX, and any other banks, my credit score was XXXX.
XXXX. XXXX Bank did not release the XXXX Bank customers lien at the XXXX XXXX XXXX already paid loan payments of so many their clients.
XXXX XXXX Bank has claimed XXXX ago paid entire my home loan payments repeatedly many times b. During the bankruptcy repeatedly claimed {$180000.00} and my bankruptcy attorneys didnt know about that and I had to tell the Bankruptcy court to correct it again and again.
XXXX Even today XXXX Bank didnt clear my lien already paid amount.
XXXX Because XXXX Banks illegal operation I had to pay XXXX Bank 2-3 times higher rate loan for more than XXXX and I paid {$20000.00} - {$30000.00} more because of the XXXX Banks illegal criminal banking business .
e. It is clearly showing XXXX Banks criminal banking business and the evidence of why they are charging repeatedly.
f. There are currently so many victims created by XXXX Bank XXXX
XXXX. Since XXXX Bank purchased the XXXX XXXX XXXX Bank, XXXX Bank has been attacking me every day to destroy my life and my family, already destroyed/damaged by XXXX Bank XXXX XXXX XXXX Bank XXXX criminally for XXXX.
XXXX Banks criminal, malicious, terror, and racially discriminatory Banking against me and my family.
XXXX XXXX Bank XXXX XXXX XXXX XXXX asked me to pay off my entire loans of {$520000.00} and XXXX bank was in bankruptcy. He asked me to go to his buddy, XXXX XXXX XXXX, retired XXXX XXXX Bank. I contacted him next day and provided all the information. My credit and all the information were very good he would finance quickly. His mom was ill and he had to take care of her others. he didnt do anything. I hired other person and spent more than {$10000.00} and time. I had three lenders to pay off my entire loans. XXXX XXXX XXXX didnt want to talk to them. I talked to XXXX XXXX XXXX blocked the paying off my entire loan payment process, which was illegal, criminal, and discriminatory acts caused all the problems. He kept asking me to go to XXXX XXXX XXXX. I provided all the information of the legal purchasing contracts of a lot more than {>= $1,000,000} and many other offers.
XXXX XXXX bank repeatedly treating me racially discriminatory lending procedures charging 40 times more fees. XXXX, XXXX XXXX XXXX initially promised me {$200.00} each fee each account refinancing at his office, but XXXX XXXX XXXX charged me {$8000.00} at the signing. The XXXX time promised me {$200.00} fee another account, at the signing he asked me to pay {$6000.00}. When I asked him why he was not keeping his promise of {$200.00} of the fee. He lowered the fee to {$3000.00} and saying their Bank was losing money.
XXXX XXXX couldnt sleep at night for 3 months because of my stomach was hurting so much. I sent letters more than XXXX times to XXXX of the bank, XXXX XXXX XXXX. He never responded to me or corrected it.
I treated XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ohio. I asked him why he was lying? He said very sorry. I know where XXXX XXXX XXXX is.
XXXX XXXX bank has done business knowingly illegally, wrongfully, and racially discrimnatory, and criminally.
XXXX On CFPB ( Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX. XXXX bank committed serious crimes ; illegal banking, wrongful charges ; maliciously, racially discrimnatory and criminally took all my life assets, and still maliciously and criminally attacking me. It is a violation of Federal Banking Laws and committing crimes of IRS, Treasury Department, Federal Bankruptcy Laws, Civil Right, and vary serious financial assassination destroying me and my family, innocent citizens, criminally attacking innocent Senior citizens to cover up their wrong doing for decades.
XXXX. You can check XXXX Bankruptcy XXXX record which I sent a letter to the Bankruptcy Honorable Judge, XXXX XXXX and I, myself, testified at the court. Because my XXXX bankruptcy lawyers were corrupted with XXXX Bank from the very beginning, illegal acts and law practice. No one was represented my cases and XXXX bank took my {$3.00} assets criminally from the very beginning.
XXXX. XXXX bank has been claiming that I was represented by my attorneys all the time. It is a false claim.
My XXXX lawyers, a. XXXX lawyer XXXX XXXX XXXX took the money from me from the beginning as a real estate specialty lawyer and banking lawyer. But he didnt know real estate and banking laws well. Suddenly he took me to Bankruptcy attorney XXXX XXXX, asked me to file a bankruptcy XXXX. I have never expected the bankruptcy because XXXX Bank promised me that they would wait until XXXX of next year for sales of any of my properties would pay off all of entire my debt to XXXX Bank. I had many offers and I provided the legal document to XXXX bank. I was very shocked my attorney, XXXX XXXX filing my bankruptcy case.
b. Later when I asked him to file a law suit against XXXX bank, then he resigned from my case, because of a XXXX of XXXX. How possibly took my case with conflict of interests.
XXXX Attorney XXXX XXXX filed my Bankruptcy case. He promised me that he would clear all the payment in front of his secretary and other attorneys at his conference room. Later he asked me to bring other attorneys to process my case which he would teach another attorney to clear all of my debt and he was kept saying it is very easy in front of his secretary/Assistant, XXXX XXXX XXXX His secretary and I are the witnesses and the document I emailed her and Attorney XXXX XXXX. He asked me to have meeting with his secretary and provide all the information. We had meeting at Attorney XXXX office and I provide all the document she asked me. Then she asked me to email to her all the information, because she may miss any other information. As soon as I sent an email to her, the very next day, Attorney XXXX send me a mail that he resigned from my case and warned me not to contact his office or any other attorneys or employees of his law firm. Because I emailed his secretary Attorney XXXX promised me he would clear all of my debt at the meeting at his office in front of his secretary. His group told me that attorney he would be a next Bankruptcy XXXX after XXXX XXXX XXXX would step down soon. His law firm has many attorneys and he is an attorney filed my bankruptcy case. Why he was asking me to bring an attorney and he would teach him. He knows all other attorneys. Why he was asking me to bring other attorneys to him? He was corrupted from the very beginning at the Bankruptcy XXXX and resigned from my case suddenly. I asked many attorneys. They didnt want to be involved my case. They are saying attorney XXXX is a Bankruptcy Trustee. His law firm has many other attorneys. He was corrupted with XXXX bank. I have key evidence of the corruption.
XXXX. I didnt have any attorneys to represent me at the court for my case.
a. No other attorneys wanted represented or involved may case saying other corrupted attorneys were involved and took already took all the money from me.
b. XXXX attorneys already messed up and negligent my case.
XXXX. I, myself, represented me at the Federal Bankruptcy Court in front of Honorable Judge XXXX XXXX at the Federal Bankruptcy Court, I requested to Honorable Judge XXXX XXXX to extend my case until find attorneys. The Honorable Judge XXXX XXXX granted me to extend my case.
a. I provided information to Federal Bankruptcy Honorable Judge XXXX XXXX of XXXX Banks corruption, illegal, criminal, repeated discriminatory unlawful business practice and taking my assets for my life community mission and life savings. You can find out the information at the Bankruptcy XXXX.
XXXX. I found a bankruptcy attorney XXXX XXXX, but he didnt want to do anything against XXXX Bank XXXX first XXXX bank XXXX or anything else. Attorney XXXX XXXX wanted to do only finishing the payments. He recognized and agreed that he made mistake and wrongfully held my case for XXXX. I was released from XXXX Bankruptcy after XXXX.
XXXX I met XXXX XXXX XXXX XXXX, Chairman of XXXX Bank formally face to face in XXXX XXXX he asked me to send the information to him, I have sent information to his office and spoke to his assistances, XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX and others a few times very formally, but I have not received any response from XXXX XXXX XXXX XXXX XXXX Chairman, President and Chief XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistance of President.
XXXX. But I have been repeatedly receiving False Bills, False Notices, False Collections and False Claim & False Credit Report, harrassing, intimidating, threatening, and pressuring by XXXX Bank.
XXXX. I received phone calls from XXXX XXXX XXXX, XXXX, XXXX Bank XXXX XXXX XXXX on XXXX and XXXX and more in respond of my letter to XXXX XXXX XXXX XXXX.
a. XXXX XXXX XXXX XXXX denying everything saying XXXX Bank XXXX do anything for me.
b. He handles all the letters of XXXX XXXX XXXX XXXX, Chairman and XXXX XXXX is not getting any letters.
XXXX XXXX, XXXX XXXX XXXX, XXXX Bank asked me to sue the XXXX Bank.
XXXX XXXX Bank took more than 500 % of my loan amount and took my life savings.
XXXX XXXX Bank has been attacking me more aggressively with all false charges, escrow account charges, keep sending false Credit Bureaus Report to destroy my life and my family.
XXXX XXXX Bank has been attempting to collect already paid by the Federal Bankruptcy Case.
XXXX XXXX Bank has been harassing, intimidating, threatening to destroy me my family to covering up their wrong doing.
No one has ever answered for the false bills, false collections, false claims, or false Credit report.
A After my bankruptcy case was done by Federal Bankruptcy Court.
XXXX. XXXX. XXXX bank has been criminally, illegally, asking and threatening to pay the {$410000.00} again, then XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone XXXX has been attempting to collect {$410000.00} which I already paid off during the Bankruptcy caused by XXXX Bank.
XXXX. I have never missed account # XXXX, {$30000.00} for XXXX. XXXX Bank has been asking more money to pay. This account and amount must be removed. XXXX Bank took too much of my assets. I do not have anything to support for my life and my family.
XXXX. It is a serious malicious XXXX discrimnatory hate crime.
XXXX. XXXX Bank is making false documents to remove their tax which I received XXXX Form XXXX, XXXX. Amount of XXXX XXXX {$58000.00}.
XXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents.
XXXX XXXX Bank legal department has been illegal collection notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting collections.
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money for the paid Federal Bankruptcy account and closed case by XXXX banks criminally took my life saving more than 5.5times and XXXX bank had profit more than {>= $1,000,000}.
c. Keep sending tax loss papers from my accounts already closed Bankruptcy case for the XXXX saving purpose which XXXX Bank made 5.5times of loan amounts.
XXXX I was just released from the Bankruptcy case because XXXX Bank illegally took my life savings properties and businesses illegally with corrupted by Vice President XXXX XXXX and attorney XXXX XXXX, XXXX XXXX and others.
This XXXX show, how XXXX bank has been doing wrong again and again. This is another criminal act beside XXXX attempt and many others. XXXX Bank has been deceiving IRS, U.S. Treasury Department.
I put all of my effort and have been working very hard for past XXXX. I have been helping people, community and country.
I am looking forward hearing from you.
Very respectfully, XXXX XXXX
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03/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX SS # XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Certified Mail Return Receipt # Equifax Report # XXXX This is the third RECENT dispute of the below referenced accounts which Equifax is continuing to inaccurately report in my credit file, and has provided to multiple companies purchasing that information over the past one to two years, in direct contravention of documented evidence provided to Equifax, produced from the internal accounts records of the five disputed accounts from XXXX XXXX, XXXX which directly refutes any claim by XXXX XXXX, XXXX, or Equifax that the reporting contained in my credit file and being sold to purchasers of my credit report is accurate.
From my multiple phone conversations with representatives from Equifax it is clear and apparent that the only process to evaluate the accuracy of the disputed accounts has been just the computer process via XXXX and the sending of ACDV forms to XXXX, and receiving an AUD form back via computer account verification which is clearly refuted by the notice produced by XXXX XXXX, XXXX from its internal account records which has now been provided to Equifax three ( 3 ) times, and will be attached hereto as Exhibit A.
Moreover the five disputed accounts are beyond the seven year time period allowed for the reporting of negative information according to the FCRA, and which the failure to delete these inaccurate accounts after being legally extinguished by operation of law, and being OBSOLETE by operation of the FCRA, and after being provided substantive evidence multiple times to this inaccuracy is, and of itself may be construed as a violation of the FCRA. The ( FCRA ) 15 U.S.C. 1681 et. seq. and CFR 660.4. does not excuse Equifax in conducting its own thorough investigation especially if credible evidence of the reporting inaccuracies has been provided to Equifax as it has been repeatedly in this situation, and the execution of the ASSURANCE OF VOLUNTARY COMPLIANCE AGREEMENT BETWEEN THE STATE OF MISSISSIPPI AND EQUIFAX INFORMATION SERVICES further heightens the responsibilities of Equifax to take corrective action requested by Mississippi consumers when providing substantive documentation therein.
XXXX upon receipt of the evidence of its continued reporting of inaccurate information beyond the seven year time period provided for in the FCRA, and even with XXXX XXXX 's computer system verifying the information provided as accurate, weighed the evidence provided to them and deleted the accounts.
XXXX has escalated the dispute based on the provided information from XXXX XXXX 's internal account records which contradicts its computer generated verification of its reporting. Equifax however has simply relied upon its computer generated verification process through the XXXX system with computer generated ACDV and AUD forms, and has to this point refused to correct its continued inaccurate reporting of the five disputed accounts.
Equifax, along with XXXX, and XXXX settled its lawsuit filed by the Attorney General for the State of Mississippi on behalf of all consumers in the State of Mississippi and contained within the terms of the settlement, Equifax in its ASSURANCE OF VOLUNTARY COMPLIANCE AGREEMENT BETWEEN THE STATE OF MISSISSIPPI AND EQUIFAX INFORMATION SERVICES, LLC which prevented further and continued investigation into the business operations of Equifax, Equifax agreed to institute safeguards in its reporting that would reflect the legal and controlling application of Mississippi Code Annotated 15-1-3 and its radical operation of law that upon the running of the statute of limitations in the State of Mississippi on consumer debt legally extinguishes said debt, the original account and all its incidents alike. This is contained in Article III, Paragraph A, section 5, of the aforementioned agreement which Equifax agreed to address and implement the process to correctly report legally extinguished Mississippi debt.
The express terms and conditions in the aforementioned COMPLIANCE AGREEMENT, executed on the XX/XX/XXXX contains language that adds a heightened responsibility, notwithstanding the express responsibilities upon Equifax by the FCRA, to evaluate any additional documentation provided by Mississippi consumers, and to be able to take corrective action on the credible information provided, to assure compliance with including said documentation provided by the Mississippi consumers with the ACDV dispute process via the XXXX system, and if the changes the Mississippi consumer requested are not made to fully provide all information regarding the dispute to the FOI with an explanation as to why the changes were not performed, and why the changes were not performed in house by Equifax upon review of the documentation provided by the Mississippi. This has not occurred with any of my previous disputes, and is in violation of the COMPLIANCE AGREEMENT express terms and conditions with the State of Mississippi.
To this point Equifax has been made aware multiple times of the fact that all of these debts went into default during the time period from XX/XX/XXXX through XX/XX/XXXX, making these accounts long past the statute of limitations prescribed under Mississippi statute and as such legally extinguished under the operation of law via Mississippi Code Annotated 15-1-3. This fact has been provided to Equifax via a dispute notice a minimum of ten times over the period of the last two to three years, with the most recent disputes being sent via USPS CMRR, in XX/XX/XXXX, and again in XX/XX/XXXX, which also contained the additional information provided directly from XXXX XXXX, XXXX 's internal account records noted in each dispute, and the actual copy attached to the disputes.
Howbeit, it appears that Equifax even with knowledge of what it agreed to in its execution of the ASSURANCE OF VOLUNTARY COMPLIANCE AGREEMENT BETWEEN THE STATE OF MISSISSIPPI AND EQUIFAX INFORMATION SERVICES, LLC, appears to once again rely on the XXXX computer generated dispute ACDV process to the Furnisher of Information, ( FOI, ) in this case XXXX XXXX, XXXX, and has relied upon what it states as a verification by XXXX XXXX, XXXX via its AUD response form even in direct contradiction to the facts provided in these numerous referenced disputes, which included the attached XXXX XXXX documentation, in the form of a letter to my attention, addressed to my personal attorney of record. Please note that I am copying my personal attorney on this dispute notice as I have on previous ones in the event that I am forced to seek any, and all legal remedy provided for under the referenced federal statutes, and in a court of law.
Therefore one final time as a consumer action pursuant to the ( FCRA ) 15 U.S.C. 1681 et. seq., and the express terms, and conditions of the ASSURANCE OF VOLUNTARY COMPLIANCE AGREEMENT BETWEEN THE STATE OF MISSISSIPPI AND EQUIFAX INFORMATION SERVICES , LLC, I am once again disputing the following five items, all of which have been legally extinguished by operation of Mississippi law, Mississippi Code Annotated 15-1-3, and all of which are beyond the FCRA seven year time period for negative reporting.
1. XXXX XXXX, Account # XXXX.
This account is beyond the FCRA seven year reporting period, the actual XXXX XXXX internal account DOFD via documentation produced by XXXX XXXX is XX/XX/XXXX, which will be attached to this dispute. The account has also been legally extinguished by operation of law via by Mississippi Code Annotated 15-1-3, the account, its debt, and all incidents alike are destroyed. DELETE IMMEDIATELY.
2. XXXX XXXX, Account # XXXX.
This account is beyond the FCRA seven year reporting period, the actual XXXX XXXX internal account DOFD via documentation produced by XXXX XXXX is XX/XX/XXXX, which will be attached to this dispute. The account has also been legally extinguished by operation of law via by Mississippi Code Annotated 15-1-3, the account, its debt, and all incidents alike are destroyed. DELETE IMMEDIATELY.
3. XXXX XXXX, Account # XXXX.
This account is beyond the FCRA seven year reporting period, the actual XXXX XXXX internal account DOFD via documentation produced by XXXX XXXX is XX/XX/XXXX, which will be attached to this dispute. The account has also been legally extinguished by operation of law via by Mississippi Code Annotated 15-1-3, the account, its debt, and all incidents alike are destroyed. DELETE IMMEDIATELY.
4. XXXX XXXX, Account # XXXX.
This account is beyond the FCRA seven year reporting period, the actual XXXX XXXX internal account DOFD via documentation produced by XXXX XXXX is XX/XX/XXXX, which will be attached to this dispute. The account has also been legally extinguished by operation of law via by Mississippi Code Annotated 15-1-3, the account, its debt, and all incidents alike are destroyed. DELETE IMMEDIATELY.
5. XXXX XXXX, Account # XXXX This account is beyond the FCRA seven year reporting period, the actual XXXX XXXX internal account DOFD via documentation produced by XXXX XXXX is XX/XX/XXXX, which will be attached to this dispute. The account has also been legally extinguished by operation of law via by Mississippi Code Annotated 15-1-3, the account, its debt, and all incidents alike are destroyed. DELETE IMMEDIATELY.
This is a legal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et. seq. and CFR 660.4. These aforementioned five reported accounts have been legally extinguished after the period of imitation ( SOL ) has run in the State of Mississippi pursuant to the operation of law via Mississippi code annotated 15-1-3, and as such the REMEDY, as well as the RIGHT have been legally extinguished, the original debt, the account, and all its incidents alike have been destroyed, there remains nothing to revive. I have no legal obligation for it, the account, and any debt associated with it have been destroyed, and as such there is no legal provision to continue reporting it on my credit file.
Miss. Code Ann. 15-1-3 by operation of law legally extinguishes debt after the period of Limitation for the specific consumer debt in the State of Mississippi. This referenced statute is radical in its nature and is not a statute of limitations, but a statute of repose. Upon the completion of the period of limitation this statute extinguishes both the remedy, as well as the right. The Mississippi Supreme Court has upheld, and affirmed this legal extinguishment of debt in numerous cases appealed to that body regarding this statute, citing from cases decided by that court ; Mississippi statute annotated 15-1-3 and its legal extinguishment and abolishment of the debt, it's right, remedy, and all incidents are destroyed as adjudicated and affirmed by the Supreme Court of Mississippi in the following actions, XXXX XXXX XXXX, and XXXX XXXX XXXX as cited from the Court docket verbatim below : In XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this Court referring to Mississippi Statute annotated 15-1-3.commented on the wording of the statute before 1880 and as it was amended to read after 1880. Section 2685, Code of 1880, is exactly the same as Section 743, Mississippi Code 1942 Annotated. In Proctor, this Court said : " The change wrought by this new statute is radical. Not only the remedy is denied, the action barred, but the right itself is extinguished upon the completion of the period of limitation. The remedy and the right, whatever it was, are alike destroyed. There remains nothing to revive .... The extinguished right, the original debt and all its incidents, as well as the lost remedy, are all destroyed, upon the completion of the period of limitation, under our present statute. '' ( Emphasis added ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
In the later case of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this Court again commented on the difference between the Mississippi statute and that of other states : " At common law, and under the statutes of most states, the statute of limitation does not extinguish the debt, but merely bars the remedy by which the debt may be collected or enforced. When such is the case, the debt continues to exist, and may be charged against the child in the division of an estate ; but, where the debt itself is extinguished by the statute of limitation, as it is in our state, the account ceases to be a debt. It is completely extinguished by the statute of limitation, and can only serve as a legal consideration for a new promise based thereon. '' ( Emphasis added ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
The five referenced and disputed tradelines are also OBSOLETE as they are all beyond seven years from the Date of First Delinquency, ( " DOFD ' ) as documented, and produced by XXXX XXXX, XXXX to my personal attorney. Specifically the letter sent to my attention mailed to the office of my personal attorney regarding inaccuracies being reported on these legally extinguished accounts document the actual XXXX XXXX internal account dates in which these accounts first became delinquent. Excerpts taken from the notice from XXXX Executive Office dated XX/XX/XXXX states as follows : " On your account ending in XXXX ( first account disputed above ) {$25.00} was due by XX/XX/XXXX, but no payment was received by the due date. '' " On your account ending in XXXX ( fifth account disputed above ) {$10.00} was due by XX/XX/XXXX, but no payment was received by the due date. '' " On your account ending in XXXX ( second account disputed above ) {$35.00} was due on XX/XX/XXXX, but no payment was received by the due date. '' " On your account ending in XXXX ( fourth account disputed above ) {$24.00} was due on XX/XX/XXXX, but no payment was received by the due date. '' Continuing from the XXXX letter in reference to the missed payments on the aforementioned accounts and First Date of Delinquency established in the XXXX XXXX, XXXX notice, " we did not receive a payment on the accounts by the respective due dates, the accounts were past due, and remained past due until they charged off in XX/XX/XXXX. '' " Therefore, although your auto payments were making payments on each of the accounts, the accounts were never brought current from XX/XX/XXXX to XX/XX/XXXX, when the accounts were charged off. '' On the account ending in XXXX ( third account disputed above ) {$63.00} was due by XX/XX/XXXX. Our records indicate that the account had a returned auto pay that posted on XX/XX/XXXX. When the {$14.00} auto pay was removed from the account, the account became past due, and remained past due until it charged off in XX/XX/XXXX. '' Therein, the actual internal account records from XXXX XXXX, produced in the letter clearly demonstrate the DOFD 's to be XX/XX/XXXX, and October through XX/XX/XXXX, all of which make any current reporting of the negative information to be beyond the FCRA time period, and all establish the fact that pursuant to the application of Mississippi Code Annotated 15-1-3 these accounts have been legally extinguished for a number of years. These dates are clearly not the reported DOFD 's which your company maintains in my credit file and has been reporting for over seven years to anyone requesting my credit reports. Moreover these accounts are still reporting a balance due, a notation of charged off account even though they have been legally extinguished.
My credit report with Equifax has also re-aged the DOFD on a monthly basis for over four years ( XX/XX/XXXX-XX/XX/XXXX ) when the actual documented DOFD occurred, until ( XX/XX/XXXX-XX/XX/XXXX ) which are the reported dates in my credit file. until the eventual dates reported in my credit file, which all reflect dates ranging fromXX/XX/XXXX to XX/XX/XXXX and for that period of four plus years. The Equifax credit reporting on my credit report clearly states no payment was noted in the account monthly summary for the four year period, yet the DOFD was re aged each month as if the required minimum payments had been made, and posted to the accounts. This is clearly not accurate and re aging is a violation of the FCRA.
These five disputed accounts were legally extinguished via operation of law referenced above, and as such have been legally destroyed. And all of these accounts have gone past the FCRA time period for negative reporting based on the account documented DOFD 's produced in the referenced and attached XXXX XXXX letter, and as such should be DELETED IMMEDIATELY, as the continued inaccurate reporting is creating undue financial harm, and hardship, and is in violation of the FCRA.
Please provide me with a complete and detailed description of the reinvestigation procedure for all items disputed pursuant to the statutory requirements of the FCRA, as well as the express terms and conditions of the ASSURANCE OF VOLUNTARY COMPLIANCE AGREEMENT BETWEEN THE STATE OF MISSISSIPPI AND EQUIFAX INFORMATION SERVICES, LLC, Please provide me with a detailed description of the process undertaken by the agent in evaluating the evidence of inaccuracy provided in my dispute, attached hereto as Exhibit A, and the legal rationale for the decision if made not to act based on the corroborating evidence of inaccurate reporting by Equifax attached hereto as Exhibit A.
Please send me a copy of the ACDV forms sent to the furnishers, and well as a certification of compliance with the heightened responsibilities on the required submission of any documentation provided by a Mississippi consumer, which in this case is attached hereto as Exhibit A, in its dispute with Equifax, and the return forms, AUDs, received back by you from XXXX XXXX, XXXX, and please provide me a copy of my updated credit report pursuant to the FCRA.
I am not requesting that a fraud alert be placed on my consumer credit file and delete any fraud alert that might be placed unintentionally.
I declare that all facts cited in this dispute are accurate under the fear of perjury, Sincerely, XXXX XXXX, XXXX SS # XXXX Certified Mail # C.C. Consumer Financial Protection Bureau C.C. State of Mississippi Attorney General 's Office XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX Please find also the following attachments : A copy of my Drivers card to verify my identity.
A sworn and notarized Affidavit denoting that this is not a suspicious dispute, and that the dispute is directly from me, that the request for complete investigation pursuant the Fair Credit Reporting Act regarding the above disputes is indeed from me, and noting that the attachments referenced herein were attached to this dispute notice.
Copy of Mississippi Statute Annotated 15-1-3 Case citations reflecting orders from the Mississippi Supreme Court referring to Mississippi Code Annotated 15-1-3, and its predecessors, adjudicating on its plain language, and affirming that its unambiguous construction is radical in nature, and legally extinguishes, and destroys the original debt, and all its incidents at the running of the statute of limitations in cases before the Supreme Court for the State of Mississippi.
Copy of the press release from the State of Mississippi Attorney General 's Office Copy of letter from the Executive Office of XXXX XXXX, XXXX to myself after a dispute of the accuracy of the accounts referenced above and which stipulate the DOFD 's to be in XX/XX/XXXX and XX/XX/XXXX, not the DOFD 's being reported on my credit report which are also clearly beyond the seven year FCRA period of reporting negative information on a credit report.
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11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND XXXX DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, XXXX XXXX compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for XXXX to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and XXXX XXXX XXXX form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
XXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the XXXX in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. XXXX XXXXXXXX may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XX/XX/XXXX {$6800.00} NAVIENT XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XX/XX/XXXX {$5700.00} XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$7200.00} XXXX XXXX data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX compliant reporting format REQUIRES the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the XXXX XXXX system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the XXXX XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE Specialist MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXXcharacters of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
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09/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American, Servicemember |
I contacted XXXX XXXX XXXX/XXXX XXXX XXXX after waiting almost 60 business days and still not receiving a response to my Error Resolution Letter. XXXX XXXX stated he would have a supervisor contact me within 24 hours to discuss the issues.
On XX/XX/XXXX, I received a call from XXXX XXXX ( not a supervisor, ) who is in the Ombudsman Dispute Department, in the Executive Office at XXXX XXXX XXXX, asking about my issues.
Before I had a chance to talk I was reprimanded for calling their investor, XXXX XXXX XXXX XXXX. I was told all communication must go through XXXX. I explained to the representative, I had made many attempts to work with XXXX, and even called the Consumer Ombudsman department twice, whos representatives discounted the call twice. Either these employees are not trained to answer my specific questions, or just plain rude.
I almost did not answer XXXX call because the was no caller ID naming XXXX, and because I get so many Scam calls, I usually do not answer the phone for unanimous callers. Today I received another call from XXXX, this time letting me know XXXX is working on my Error Letter.
On XX/XX/XXXX ( attached ) XXXX sent a letter, which I received on Monday the XXXX, answering my error resolution letter. XXXX call did not make sense until she said the reason for her call was new information was received, and she was calling to state it was being reviewed in the Dispute Department. When I asked, " Where did the information come from ''? She stated it was the information I just sent in. Again, I am working with someone who did not know what they were talking about. After a few more questions I realized, the " new '' information she spoke of was the complaint I had filed with the CFPB # XXXX.
I explained, this is the same information I sent to XXXX, and waited 2 months for a response, when per the CFPB 30 business days is the allowed period to respond, + a 15-day extension if within the 30 days notice is sent with a valid reason for the extension. Instead, I was sent a notice stating XXXX needed a 30-day extension, ( even though CFPB states no more than 15 days, ) it was outside the 30 day dispute period, and without a valid reason. XXXX replied she is required to call when a dispute is filed. I asked her about the credit report mistakes discussed in our previous call on XX/XX/XXXX, and all she could say is we are working on it. I mentioned it took 2 months to reply to my first dispute and asked how long would it take to respond to the Credit Report Disputes, and she said she didn't know. Based on this discussion, and my desire to have my credit report corrected, I plan to file another complaint with the CFPB for the credit issues, and the carelessly put together response from XXXX to my " Error resolution letter.
Please read the response XXXX subsequently made on XXXX, ( attached, ) and come to your own conclusion, why would a one-page response take 2 months to accomplish. It really didn't address any of my concerns, and what is really humorous is the letter is filled with misconstrued facts and conclusions.
The correspondence included an " Applied Funds Table, '' along with pages of XXXX payment history, ( which I already had. ) As I reviewed the payment history ( supplied by XXXX, ) it became clear, I had been supplied with an internal form, based on the " heading of each column. '' Such as " XXXX '' which was not defined for the average consumer to understand. By comparing the payment history supplied by XXXX, to the actual history XXXX XXXX XXXX supplied with my final Escrow Analysis, the abbreviation was for " Transaction Date. '' It is clear that the XXXX payment history XXXX supplied, ( which neglected to include either the 13-page numbers for reference or an explanation as to why it was included, ) as it appears to have been thrown in as fluff.
If the " Table '' and " Payment History '' matched it would make sense. Instead, it conflicted with the '' Applied Funds Table, '' which fail to show my last payment made to XXXX on XX/XX/XXXX, nor did it include the correct payment amount of {$1300.00}. Which by law, must be posted and disbursed as of the date of receipt, ( in this case XX/XX/XXXX, ) not XX/XX/XXXX.Additionally, the table includes an " Escrow Shortage '' payment of {$74.00} made on XX/XX/XXXX but fails to show the " Escrow Shortage '' payment of {$5.00}, or the waving of the late charge of {$48.00} on XX/XX/XXXX. In fact, if my " Error Letter '' had been read, it would be easy to see these mistakes clearly. How can a company come to an accurate conclusion without having or giving me information that is thoroughly reviewed and analyzed? I had the right to be explained why the table in the letter from XXXX did not match the XXXX loan history and how you came to the conclusions in the table. I am still in limbo because nothing has been corrected.
Paragraph two of the letter dated XXXX states, We are unable to comment on the escrow amounts collected by the prior servicer, as we collect the escrow information from the agencies after the loan was transferred to XXXX. Why isn't AGENCIES explained? What agencies are you talking about? XXXX has an obligation to be clear, and accurate. Why would I be supplied with XXXX XXXX internal form of my payment history with XXXX, only to tell me you can't comment about it? Should you really have sent me this form at all? Did the so-called " Agencies '' make a mistake supplying it? Per 1024.38 38 ( a ) ( 1 ) ( ii ) -1 XXXX must have " reasonable policies and procedures, '' and I have not seen this in attempts to work with this Servicer.
Late Fee : One more Error made by XXXX : For some reason, Ms. XXXX was under the impression that I questioned the late charge XXXX had added to my XXXX payment. I questioned the accounting, XXXX mistakenly charged a late fee and waved it the same day. My concern about this charge was, being accurately credited for this fee. The payment history showed It posted as a charge on XXXX, and it also showed a credit 4 times the same day, but my balance was not adjusted. XXXX XX/XX/XXXX letter explains I was charged a late fee on XX/XX/XXXX, but fail to state that this amount was credited back the same day, ( all they had to do was look at the payment history under total late fees. ) This question remains unanswered, I still want to see that I was credited. If the payment is held in a suspense or unapplied funds account, this fact must be reflected on future periodic statements, in accordance with 1026.41 ( d ) ( 3 ). When sufficient funds accumulate to cover a periodic payment, as defined in 1026.36 ( c ) ( 1 ) ( I ), they must be treated as a periodic payment received in accordance with 1026.36 ( c ) ( 1 ) ( I ). By being treated as a periodic payment the payment must be posted on the date received.
Phone Call : I requested to be contacted by phone to explain the results of your investigation, I did not say this request was in lei of sending a written response. The XX/XX/XXXX letter states : " We are unable to fulfill this request as it is our policy to respond by US Postal Service. '' One more blunder or failure to properly communicate what they mean. XXXX " DID '' in fact call me, on XXXX and explained what was stated in the letter, ( hadn't yet been received ) and I was told what the conclusion was. The final paragraph of the letter states, " Should you have any further questions, please call Customer Service. '' This conflicts with the prior statement XXXX made which began, " We are unable to fulfill this request. '' It concludes : " XXXX has reviewed and responded to your inquiries, ( I unequivocally disagree with such a statement. ) Then continues to say, " We have provided all documentation relied upon to reach our determination, '' ( This explains and concurs, that there was little time spent investigating my concerns, ( even though it took 2 months to answer them. ) It is part of the reason there are so many mistakes, there was a lack of investigation by XXXX. ) The letter continues to say : " If a document was not provided, it is because it is privileged or proprietary, '' ( such as in supplying an internal form, from XXXX. ) Isn't this statement in conflict with the prior one stating We have provided all documentation relied on?
Servicer 's use a computerized loan management system. The system XXXX uses should keep track of the borrowers account, and communications with the Servicer. What happened? Did the server at XXXX go down while this case was investigated? One of the main duties of a Servicer is to collect and process payments from the borrower, and have accurate accounting. When funds are applied improperly when the grace period is ignored, or there is a failure to credit funds to the principal balance, or escrow account there can be an artificial shortage, and XXXX is in violation of the terms in the deed of trust. Please remember, I was told there would not be another Escrow Analysis completed for a year on XXXX XXXX, ( date of transfer, because XXXX had completed one a month and a half before the transfer. Yet, in XXXX I was sent a new Analysis by XXXX, knowing Federal Laws only allows one completed per year, unless I request to have one completed. I was told there was a shortage of {$130.00}, which triggered my letter of dispute.
THERE WAS NO PART OF THIS LETTER THAT HAD CREDIBILITY! It is frightening to know that I am stuck with this Servicer until I either sell my home or refinance.
Escrow Closure : My request to close Escrow, and XXXX acknowledgment of closure on XX/XX/XXXX, was one more string of errors, ( see attached Escrow Payment change notice XXXX, Escrow Closure Request form, XXXX Acknowledgement XXXX, and Escrow Closing Notice/Notification Escrow Closing XXXX. ) The form was supplied by XXXX and clearly shows I no longer wanted " both '' my Property Taxes and Insurance Impounded. I was sent a letter Acknowledging my escrow would close on XXXX if I didn't call and cancel this request. I called on XX/XX/XXXX to verify my escrow was closed and was told a check was sent for the balance of my Taxes, but the Insurance was still opened. I asked why and was told the Escrow Department would be contacted, and I would get a call within 3 days with an answer. How do you botch up something so simple, and with your own forms?
I asked to speak with the escrow department and was told, I could only speak to Customer Service, who clearly did not understand the makings of an Escrow Account. I had never heard of a company that did not let you speak to this department. It is no wonder there are so many mistakes made. I asked to have the insurance check sent XXXX overnight since this was an error made by XXXX, and my insurance was coming due within a few weeks. Plus my form clearly stated it was not longer XXXX XXXX responsibility to pay taxes or insurance, ( even though they still held the insurance balance of my escrow account. ) I was told they would " try '' to request the check and overnight it. I replied that is not good enough.
Two days later, I received a call from XXXX stating a check was request was made that day, and he would internally, e-mail my request to have my check overnighted. One week later I received the check regular mail. XXXX repeatedly has made mistakes, and taken shortcuts at every stage of the mortgage servicing process, costing me additional fees along the way. When an error was made in the servicing of my mortgage, XXXX must either correct the error I identified, called " notice of error '', or investigate the alleged error. XXXX has routinely failed to properly acknowledge and investigate my complaints, or make necessary corrections.
This is probably a result of loading inaccurate and incomplete information into its servicing system, or even when their data is accurate, XXXX still generated errors, because of their system failures and deficient programming.
Inaccurate Credit Reporting : XXXX : The results of my dispute from my report dated XX/XX/XXXX arrived on XX/XX/XXXX ( see attached ) as certified accurate and unchanged. This is a gross misstatement and shows that XXXX either has untrained employees is too busy to verify and correct the information or is a company who skips through federal compliance regulations hoping not to get caught in an audit by the CFPB.
Looking at the attachment, " Experian Dispute with XXXX '' is noticeably & erroneous based on a status date of XX/XX/XXXX : it fails to show loan transferred/sold, a recent payment made of {$2600.00}, ( also shown in error on the attached XXXX Account summary, ) which is the total of the individual payments I made for XX/XX/XXXX & XX/XX/XXXX in the amount of {$1300.00} the monthly payment, also shown in error on my report is shown as {$1300.00}, which was the payment I made in XXXX because of XXXX XXXX inaccurate Escrow Analysis, which has disputed as of XX/XX/XXXX, ( see attachment, XXXX Error Letter. ) The term is 40 years, with 32 years remaining, not 46 years. There is no 46-year term for mortgages.
Finally, XXXX felt a need to add, ( in error ) a comment : " Loan Modified under a Federal Government Plan. '' This is a negative reporting remark, which can not be made after 7 years, ( it has been almost 10 years, ) the Modification completed by XXXX, ( see attachments XXXX XXXX Credit Report change, & XXXX XXXX Mod ) was disputed & removed from all credit reports in XXXX, and can not be added back.
Equifax : On XX/XX/XXXX, I received the results of my dispute against XXXX XXXX XXXX & XXXX ( see attachment, ). XXXX updated their information to now show the loan closed & transferred with the date of the last payment.
Equifax : XXXX, on the other hand, created the illusion I had two mortgages instead of one, & one of them was a new mortgage, ( dropping my credit scores. ) Account information '' it also needs many of the same corrections for based on the " Date of last activity '' shown as XX/XX/XXXX, Loan Balance must be reduced to match " Date of last Activity, '' but continues to state the original balance on transfer of my loan XX/XX/XXXX, " Actual Payment, '' {$2600.00}, should match " Scheduled Payment. '' The " Months Reviewed '' state 2 payments reported it is should state 3 were reviewed, the monthly payment was updated but still wrong, since the status date remains unchanged at XX/XX/XXXX, the updated payment is based on my new payment as of XXXX, which no longer has an escrow account.
Under " Historical Account information '' the months of XX/XX/XXXX & XX/XX/XXXX must be completed to show payment in the amount of {$1300.00} and XXXX XXXX payment must be corrected to show this payment as well. By failing to report the XXXX & XXXX payment amounts, that the payments made were " Regular Payments '', not " Trial Payments '' ( under a trial period for a loan modification, by failing to report the loan as transferred/sold, ( needs to be added, ) but most importantly by reporting a comment the " Loan Modified under a Federal Government Plan, '' ( MUST remove outdated negative information. ) it has caused my credit score to drop 120 points. All of these mistakes contributed to lowering my overall credit score.
XXXX XXXX : Not only is XXXX XXXX reporting the same errors as Equifax, but instead of showing a " Historical Account information '' XXXX XXXX XXXX format places a table under the " Remarks '' " Loan Modified under a Federal Government Plan. '' that " RATES '' the payments for XXXX and XXXX as " X '' which is defined as " Unknown, '' once again indicating a " Trial Payment '' under a Modification. Instead, it should have shown as " OK '' under their Rating Key method. This is unreasonable, will not be tolerated misleading, uncalled for, and must be changed immediately.
Concerning the above comments, I would like to add, I was not notified by XXXX that they were reporting " any '' information to the credit bureau 's, much less " negative reporting '' concerning the type of mortgage I had. To reiterate ; when a loan is transferred there is a 60 day grace period before any credit reporting may be made.
When an Error Resolution Letter such as the one XXXX received on XX/XX/XXXX, is received concerning mortgage payments, ( and XXXX had not even received all the data from XXXX, ) XXXX may not report during the resolution period, which is usually another 60 days. In my case, during the period discussed, my payment changed with XXXX 3 times, and XXXX just sent another notice dated XXXX, received XX/XX/XXXX. Stating they are again reviewing my concerns, yet XXXX choose to ignore the State and Federal law and incorrectly began reporting on XXXX. Additionally, outdated information/negative reporting over 7 years old must not be reported.
Under the FCRA ( Fair Credit Reporting Act ) prohibits false credit reporting of any type. A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : misstating the balance due or reporting late payments when you paid timely.
Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report, credit bureaus and your Servicer ( XXXX ) must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. There are a number of ways they can fall short of their duties.
Some common violations by a CRA include failing to : Notify a creditor that you dispute the debt that it has reported, conduct a reasonable investigation of your dispute, or correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, refrain from continuing to submit information that it knows ( or should know ) is incorrect, conduct an internal investigation of your dispute within 30 days ( or 45 days if you supply additional information during the investigation. ) When a private investor such as XXXX XXXX XXXX XXXX owns the loan, the market drives the servicing fee. Generally, the fee depends on the underlying credit quality of the borrower. Servicing a loan with a higher quality credit rating brings in fewer fees because servicing costs are lower. Servicing a loan that has lower credit quality generates a higher fee because borrowers tend to default on this type of loan, which makes them more labor-intensive to service. How many borrowers have XXXX supplied inaccurate information, in an effort to drive their fees up to and cost the investor thousands of dollars, by misleading them?
Because I have no say over who services my mortgage, I must depend on the CFPB to remain vigilant to ensure I get fair treatment. '' I can only hope the CFPB uncovers substantial evidence that XXXX has engaged in significant and systemic misconduct, at nearly every stage of the mortgage servicing process.
The Dodd-Frank Wall Street Reform and Consumer Protection Act, protect consumers from unfair, deceptive, or abusive acts or practices, such as those described above. The CFPBs mortgage servicing rules require that servicer 's promptly credit payments and correct errors on request.
I hope you take these remarks seriously by discussing these errors with XXXX and making sure the corrections are made immediately. The information on my credit report should be prioritized, and when completed the FCRA states I am to be notified within 5 days. I would be glad to discuss anything you feel is not clear.
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09/24/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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My Only First & Last Name : [ XXXX XXXX ] My Only Address : [ XXXX XXXX XXXX XXXX XXXX CA XXXX ] The last XXXX of my [ SSN # XXXX ] My Only XXXX XX/XX/XXXX. I have asked for proof of ( metro2compliance ) proof of original sign Consumer contract, proof of identity, proof of signature on any of the alleged debt three times nowIve sent paper work and complaints from the US Justice Department ( XXXX ) CFPB COMPLAINTS ) - ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH - CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO XXXX-EQUIFAX-XXXX XXXX XXXX XXXXXXXX XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) -clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer XXXX XXXX Yet XXXXEQUIFAX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to ( 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of ( Metro2 compliance ). Provide me with the ( Metro2compliance ) -disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, ( collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in ( Collection/Charge-Off Status ) -WITHOUT mailing me a copy of ( IRS form 1099-C Cancellation of Debt. ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXXEQUIFAX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file -IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved I [ XXXX XXXX XXXX issue this urgent and non-negotiable Affidavit of Truth . I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX [ I also serve as my agent and attorney-in-fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXXEQUIFAX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : ( 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.
( 15 U.S. Code 1681s-2 : ) : Failure to correct and update inaccurate information in my consumer reports. : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full complianceXXXXEQUIFAX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTINUES TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. : ( I DID NOT AND DO NOT CONSENT these companies XXXXEQUIFAX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THIER FRAUDULENT PRACTICES BY furnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXEQUIFAX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX intothe ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.- ( 15 U.S. Code 1681c- 2 ) - : Block of information Resulting from identity theft ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, - ( Validation requires- presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) XXXX XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX and Equifax continues to violate my consumer right by reporting my non public information without my written consent.
XXXX XXXX stated in their terms and conditions that they would not share my information with anyone except the credit bureaus. The only true credit bureau is the Consumer Financial Protection Bureau and it does not furnish consumer reports. Equifax is a privately owned company that assumed the role to furnish consumer reports.
It is against federal law to report any financial history. My credit card information is considered financial history and should not be included in any reporting.
Per the Privacy Act of 1974 as a federally protected consumer I have the right to opt out of my information being reported.
1026.13 Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
1026.12 Special credit card provisions.
( a ) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no credit card shall be issued to any person except : ( 1 ) In response to an oral or written request or application for the card; or ( 2 ) As a renewal of, or substitute for, an accepted credit card.
( b ) Liability of cardholder for unauthorized use ( 1 ) ( i ) Definition of unauthorized use. For purposes of this section, the term unauthorized use means the use of a credit card by a person, other than the cardholder, who does not have actual, implied, or apparent authority for such use, and from which the cardholder receives no benefit.
( ii ) Limitation on amount. The liability of a cardholder for unauthorized use of a credit card shall not exceed the lesser of {$50.00} or the amount of money, property, labor, or services obtained by the unauthorized use before notification to the card issuer under paragraph ( b ) ( 3 ) of this section.
( 2 ) Conditions of liability. A cardholder shall be liable for unauthorized use of a credit card only if : ( i ) The credit card is an accepted credit card ; ( ii ) The card issuer has provided adequate notice of the cardholder 's maximum potential liability and of means by which the card issuer may be notified of loss or theft of the card. The notice shall state that the cardholder 's liability shall not exceed {$50.00} ( or any lesser amount ) and that the cardholder may give oral or written notification, and shall describe a means of notification ( for example, a telephone number, an address, or both ) ; and ( iii ) The card issuer has provided a means to identify the cardholder on the account or the authorized user of the card.
( 3 ) Notification to card issuer. Notification to a card issuer is given when steps have been taken as may be reasonably required in the ordinary course of business to provide the card issuer with the pertinent information about the loss, theft, or possible unauthorized use of a credit card, regardless of whether any particular officer, employee, or agent of the card issuer does, in fact, receive the information. Notification may be given, at the option of the person giving it, in person, by telephone, or in writing. Notification in writing is considered given at the time of receipt or, whether or not received, at the expiration of the time ordinarily required for transmission, whichever is earlier.
( 4 ) Effect of other applicable law or agreement. If state law or an agreement between a cardholder and the card issuer imposes lesser liability than that provided in this paragraph, the lesser liability shall govern.
( 5 ) Business use of credit cards. If 10 or more credit cards are issued by one card issuer for use by the employees of an organization, this section does not prohibit the card issuer and the organization from agreeing to liability for unauthorized use without regard to this section. However, liability for unauthorized use may be imposed on an employee of the organization, by either the card issuer or the organization, only in accordance with this section.
( c ) Right of cardholder to assert claims or defenses against card issuer ( 1 ) General rule. When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder may assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder may withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount.
( 2 ) Adverse credit reports prohibited. If, in accordance with paragraph ( c ) ( 1 ) of this section, the cardholder withholds payment of the amount of credit outstanding for the disputed transaction, the card issuer shall not report that amount as delinquent until the dispute is settled or judgment is rendered.
( 3 ) Limitations ( i ) General. The rights stated in paragraphs ( c ) ( 1 ) and ( c ) ( 2 ) of this section apply only if : ( A ) The cardholder has made a good faith attempt to resolve the dispute with the person honoring the credit card ; and ( B ) The amount of credit extended to obtain the property or services that result in the assertion of the claim or defense by the cardholder exceeds {$50.00}, and the disputed transaction occurred in the same state as the cardholder 's current designated address or, if not within the same state, within 100 miles from that address.
( ii ) Exclusion. The limitations stated in paragraph ( c ) ( 3 ) ( i ) ( B ) of this section shall not apply when the person honoring the credit card : ( A ) Is the same person as the card issuer ; ( B ) Is controlled by the card issuer directly or indirectly ; ( C ) Is under the direct or indirect control of a third person that also directly or indirectly controls the card issuer ; ( D ) Controls the card issuer directly or indirectly ; ( E ) Is a franchised dealer in the card issuer 's products or services ; or ( F ) Has obtained the order for the disputed transaction through a mail solicitation made or participated in by the card issuer.
( d ) Offsets by card issuer prohibited ( 1 ) General rule. A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer.
( 2 ) Rights of the card issuer. This paragraph ( d ) does not alter or affect the right of a card issuer acting under state or Federal law to do any of the following with regard to funds of a cardholder held on deposit with the card issuer if the same procedure is constitutionally available to creditors generally : Obtain or enforce a consensual security interest in the funds ; attach or otherwise levy upon the funds ; or obtain or enforce a court order relating to the funds.
( 3 ) Periodic deductions.
( i ) This paragraph ( d ) does not prohibit a plan, if authorized in writing by the cardholder, under which the card issuer may periodically deduct all or part of the cardholder 's credit card debt from a deposit account held with the card issuer ( subject to the limitations in 1026.13 ( d ) ( 1 ) ).
( ii ) With respect to a covered separate credit feature accessible by a hybrid prepaid-credit card as defined in 1026.61, for purposes of this paragraph ( d ) ( 3 ), periodically means no more frequently than once per calendar month, such as on a monthly due date disclosed on the applicable periodic statement in accordance with the requirements of 1026.7 ( b ) ( 11 ) ( i ) ( A ) or on an earlier date in each calendar month in accordance with a written authorization signed by the consumer.
( e ) Prompt notification of returns and crediting of refunds.
( 1 ) When a creditor other than the card issuer accepts the return of property or forgives a debt for services that is to be reflected as a credit to the consumer 's credit card account, that creditor shall, within 7 business days from accepting the return or forgiving the debt, transmit a credit statement to the card issuer through the card issuer 's normal channels for credit statements.
( 2 ) The card issuer shall, within 3 business days from receipt of a credit statement, credit the consumer 's account with the amount of the refund.
( 3 ) If a creditor other than a card issuer routinely gives cash refunds to consumers paying in cash, the creditor shall also give credit or cash refunds to consumers using credit cards, unless it discloses at the time the transaction is consummated that credit or cash refunds for returns are not given. This section does not require refunds for returns nor does it prohibit refunds in kind.
( f ) Discounts ; tie-in arrangements. No card issuer may, by contract or otherwise : ( 1 ) Prohibit any person who honors a credit card from offering a discount to a consumer to induce the consumer to pay by cash, check, or similar means rather than by use of a credit card or its underlying account for the purchase of property or services; or ( 2 ) Require any person who honors the card issuer 's credit card to open or maintain any account or obtain any other service not essential to the operation of the credit card plan from the card issuer or any other person, as a condition of participation in a credit card plan. If maintenance of an account for clearing purposes is determined to be essential to the operation of the credit card plan, it may be required only if no service charges or minimum balance requirements are imposed.
( g ) Relation to Electronic Fund Transfer Act and Regulation E. For guidance on whether Regulation Z ( 12 CFR part 1026 ) or Regulation E ( 12 CFR part 1005 ) applies in instances involving both credit and electronic fund transfer aspects, refer to Regulation E, 12 CFR 1005.12 ( a ) regarding issuance and liability for unauthorized use. On matters other than issuance and liability, this section applies to the credit aspects of combined credit/electronic fund transfer transactions, as applicable.
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10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( XXXX ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the XXXX in the AUD record. The XXXX AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. XXXX XXXXXXXX XXXX not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$350.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
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10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$4000.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
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03/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX - XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 2378 Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX box XXXX XXXX XXXX PA XXXX XXXX begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( XXXX ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( XXXX XXXX XXXX create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XXXXXXXX XXXX {$5300.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : XXXX begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX XXXX field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or XXXX Credit Bureaus and Mortgage XXXX XXXX. XXXX also provides for XXXX to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of XXXX ( XXXX ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
XXXX. Tell me in writing what information you refuse to remove and why.
XXXX. Tell me in writing what you did to determine that the information was accurate.
XXXX. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
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10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST XXXX XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED XXXX CHARACTER XXXX STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND XXXX OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED XXXX PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XX/XX/XXXX {$20000.00} METRO 2 data field formatted reporting ! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The XXXX enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond withinXXXX calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being XXXX XXXX of the Implementation of the XXXX XXXX auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( XXXX. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric sourceXXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
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11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the XXXX in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous XXXX years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within XXXX days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXX days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA XXXX XXXX compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the XXXX XXXX system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond withinXXXX calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the XXXX XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
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06/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have added the complaint /demand that I sent Equifax , which will give you all of the details pertaining to their part in this mess. I was going to do two complaints however, your system will NOT allow me to file one against XXXX XXXX XXXX because they have NOT signed up to get complaints from your system. Which is NOT surprising considering they are trying to avoid paying taxes on the cash payments they get and they try to avoid doing the right thing in general. The brother owns the car lot and then XXXX XXXX owns the Finance company and then I think they BOTH own the insurance company. I was told it was to avoid any requirements of being the car lot owner and the finance company. I was told by a former employee that they did it that was because something about it may be illegal to own both, or something to that effect! All I know is if you look into XXXX XXXX and XXXX XXXX XXXX you will find some shady stuff for sure!!
So this complaint is about Equifax and XXXX into one because I cant do XXXX with out Equifax. If you need any additional info to get both of these complaints filed PLEASE do NOT hesitate to let me know.
My complaint issue is two fold, for this one I will submit the information pertaining to the defaming and damaging information a Furnisher placed on my report, admitted it was there mistake and sent me an apology and confirmed they would have it removed and updated with in the following 30 days. That was in Mid to late XX/XX/XXXX. SInce then I have gone back and forth with the company numerous times requesting they do as they said and agreed in writing, which was to have it removed from Equifax, which would then have Equifax correct my report and scores. It is now XX/XX/XXXX and Equifax did finally remove the inaccurate statement on my report, however they have NOT corrected my scores, paid the restitution to me, nor have they reported the corrections to ALL of the lenders that viewed pulled my report since it was Incorrectly placed. Additionally they have NOT removed the codes and numbers that remove the Repo status from my reporting. SO they have only done a small part of the correction. I disputed it with Equifax on 4 separate occasion, as well as the Furnisher. The CFO has sent me a few emails which I will attach to prove they have accepted responsibility of the DAMAGING information being their NEGLIGENCE AND MISTAKE. Which has cost my family and I several hundreds of thousands of dollars in Interest on CC, loan denials, car financing denials, being called a fraud, in front of my small children which caused my character to be harshly defamed, which also cost me numerous financing abilities of all kinds including but not limited to getting financed for cars, approved for houses, and loans that we needed to help our family get a safe and habitable home. We were forced due to the GROSS negligence of the Furnisher placing an INVOLUNTARY REPOSSESSION on my credit report since XXXX, which I was NOT made aware of this until Mid to late XX/XX/XXXX, WHen I was informed of it, I was completely and utterly embarrassed by the information and how I was told. I was at a large car dealership, where there was a longtime friend of the families who worked there and offered me the BEST price on a brand new car, along with their promotion of 0.9 % financing. When I arrived at the dealership, I showed them that I had a XXXX credit score, they were very happy bc that score provided them with the ability to grant me financing at the 0.9 % and to give me the car I wanted at FAMILY PRICING, which took off an instant XXXX from the sticker price. They also had massive incentives from the dealerships which would have allowed me to have a BRAND NEW FULLY WARRANTIED car with all the trim, bells and whistles I needed and wanted to secure a safe car from my children, as opposed to the current one that I had purchased in XXXX from the Furnisher XXXX XXXX XXXX XXXX XXXX, who is one in the same of the furnisher that placed the DAMAGING HARMFUL DEFAMING, INACCURATE INFORMATION on my credit report, which now I was told of when they denied me credit, financing of any kind at the dealership when they pulled my auto credit. This was the first I had heard of a Repo of any kind on my report. When I instantly contacted the furnisher it took them a few days to get back to me and when they did, they informed me that the were able to confirm it was absolutely a FULL MISTAKE ON THEIR END and that they were sure to correct it ASAP! they gave me the apology letter to use to try to prove it was their mistake and I was worthy of financing. When it had NOT been corrected in XX/XX/XXXX, I again spoke to the CFO XXXX XXXX who again assured me they had submitted the request for removal to Equifax directly and due to their backlog it may take up to 90 days to be fully removed. At that time I was NEVER aware of the FCRA, FACT ACT OR THE CFPB ACT that protected me, and would have helped me then. It was NOT until XX/XX/XXXX when I went to get a new car once again at a large dealership that was offering HUGE rebates and interest of 1.9 % to qualified buyers. Well even with the Repo at that time my credit was still in the mid XXXX 's I do n't want to say an exact # because I do n't have that exact # in front of me. So I do know for sure it was in the XXXX- XXXX range at that time. Which had the Repo NOT been on I would have gotten the 1.9 %, they again had it all set until they pulled the car credit and the REPO was still showing, NOT only was it still showing, IT HAD JUST BEEN RE REPORTED AS CURRENT BY THE FURNISHER as of that month! Which means NOT only did they NOT correct it, they actually kept reporting it as a current issue. I again contacted XXXX, who then APOLOGIZED and admitted it was HIS human error that has caused it to NOT be removed and to be currently reporting, I also showed him that he had placed late and Missed payments on my report that were ABSOLUTELY NOT correct. THe missed and Lates were adding up due to the way they had my account all mixed up. The account that was listed as an INVOLUNTARY REPO was showing numerous late and missed pays when it was NOT it had been paid in full and it never had a balance due after it was paid off in XXXX. Additionally this when I was sent to another car dealership who felt that their strong relationship with a bank would allow them to use the apology letter to show it was an ERROR on the part of XXXX XXXX XXXX and that I was never late and all of my accounts are in GOOD STANDINGS with XXXX XXXX XXXX. WHen the finance MGR of the dealership sent the letter the lady from the bank came back while I was there with my two boys and stated, that I WAS A FRAUD AS WAS MY LETTER because there is NO way any finance company would admit this amount of guilt in writing, and put Equifax in the SAME guilty seat as them. Now they had caused my Character to be fully defamed and to not allow me to have any chance to get financing, and if anyone in the auto industry tried to finance me and she heard of it, she would inform them of my letter being a fraud. I even tried to explain that she could contact them directly to prove it was NOT a FRAUD. She said she would NOT waste her time. SO this was when numerous INQ were placed on my reports due to me HOPING and PRAYING that someone would help me. THe car I was currently driving was very messed up and VERY UNSAFE and it was From XXXX. They had me trade that car in and get two cars, one for me and one for my husband which they said that bc they had messed up so badly they would allow me to keep these cars until the credit report was cleared and then they would buy them back no problem. SO now let 's fast forward to XX/XX/XXXX, and I had done a great deal of research and found out about the FCRA, FACT ACT and CFPB act of protection. I sent them several emails with options to resolve my financial, emotional, physical, mental personal and professional damages. THe owner XXXX XXXX, got involved and stated her WOULD NOT NOT ONLY PAY ME ANY FINANCIAL RESTITUTION, BUT NOW HE WOULD NOT LET HIS AGENTS OR ANYONE IN HIS COMPANY CORRECT MY REPORT EVEN THOUGH IT WAS WRONG AND WRONG FROM THEM WITH THEIR FULL ADMITTANCE OF THEIR MISTAKE! I have that in an email which I will also attach. I tried with everything I could to get them to work with me, they then refused to do as they said and buy back the cars I was stuck with from them, and I was still paying their extortion rates of over 19 % interest rather than the 0.9 or 1.9 % I deserved and would have had if their company was not negligent in their FALSE, DAMAGING, HARMFUL, AND MORE WITH THEIR RECKLESS REPORTING to EQUIFAX. Each time I disputed the error with Equifax, they would come back and say that XXXX CONFIRMED THE INFORMATION TO BE ACCURATE AND IT WOULD STAND! MEANING they FORCED IT TO STAY ON EVEN AFTER ADMITTING IT WAS INACCURATE AND THEIR COMPANY 'S FULL MISTAKE, AND THAT MY ACCOUNTS WITH THEM WERE IN PERFECT AND GREAT STANDINGS AND THAT I HAVE FULFILLED ALL OF MY FINANCIAL OBLIGATIONS WITH THEM. Each time this happened, I would reach out to XXXX who would either IGNORE ME AND MY EMAIL REQUEST FOR THEIR HELP, OR THEY WOULD TELL ME VIA THEIR SALES MGR THAT EQUIFAX NEVER CONTACTED THEM AND THEY NEVER REAFFIRMED THE REPORTING SHOULD STAND. I finally sent a demand letter to Equifax stating that I will take them to Federal court if they did NOT fix my report, it was then and ONLY then that they paid attention to me and called me to discuss my issues. Most attorneys did NOT want to take my case because they know that BUY HERE PAY HERE LOTS are SCAM ARTISTS And they do n't show a lot of money on the books so it is hard to get any money out of them. However I was able to find an attorney that would take the case and make it a co case of XXXX and EQUIFAX. They said they have had to sue EQUIFAX on a daily basis because this is their normal business practice. It has been admitted that Equifax and the other XXXX of the big XXXX, feel that it is easier to pay off the few hundred consumers per year that take it this far, rather than hiring and employing the proper staff to do the claims investigations the correct way, which as you know all too well, is what they have agreed to do in order to stay in business. They have been sued so many times they mainly settled out of court now because they know they take the risk of a judge and Jury awarding 3 to 5 times the amount that a consumer will accept in a settlement without a lengthy court battle. In addition they are aware that the Federal courts ARE TIRED OF THEM CONTINUING THEIR ILLEGAL BEHAVIORS AND DISREGARD FOR THE CONSUMERS. Well XXXX HAS stated to me that no matter what they will NOT remove the inaccurate info, because they DO N'T WANT TO OR HAVE TO! OnXX/XX/XXXX I sent the written demand to Equifax explaining that I want FINANCIAL compensation from them and if not I will proceed to federal court. Well, on XX/XX/XXXX I got a call from 2 separate people in the Equifax corporate office, looking to help get the item/s removed from my report. They said that without taking them to court they would NOT pay any kind of restitution. That is also whet XXXX Said, XXXX said that if I take them to court they are protected and I will get NOTHING and have to pay their court cost. WHich from what I have researched is FAR from the TRUTH! I have all the written proof that they are NEGLIGENT and with their continued admitted refusal it shows their WILLFUL INTENT TO CAUSE HARM TO ME AND MY FAMILY. Which again from myresearch and speaking to attorneys and research on you the FCRA, FACT ACT and the Consumer FInancial protection act THEY ARE WRONG! And I am entitled to damages they have caused my family since they placed the INACCURATE info and were notified of it. They agreed to remove it and did not and then stated they WONT remove it and do n't are what I do or say, or what happened to me and my small children! On XX/XX/XXXX The representative from Equifax contacted XXXX XXXX XXXX with me on the phone, The secretary stated that XXXX, who is the ONLY one that can authorize the removal of the inaccurate HARMING, DAMAGING, CHARACTER DEFAMING ETC, INFO. SHe said he was in a meeting and she would NOT disturb him. She said that she will have him contact Equifax Rep, when he got out. It may be that day or the next, he will do it at his earliest convenience. SO XXXX XXXX, the Equifax agent, told me that when she hears back from XXXX she will conferenced me in. Well she contacted me the next day XX/XX/XXXX without XXXX on the phone. She stated that he did agree to allow her to remove the WORDS INVOLUNTARY REPO FROM MY REPORT, BUT HE WOULD NOT ALLOW HER TO REMOVE THE LATE PAYMENTS AND MISSED PAYMENTS EVEN THOUGH HE AGREED THAT THEY WERE WRONG AND INACCURATE! So again, EQUIFAX removed just the wording of INVOLUNTARY REPO, but that is ALL they did and that is ALL that XXXX would allow them to do. Even though they knew that it was causing me DETRIMENTAL DAMAGE, and causing me to pay EXCESSIVELY HIGH FEES on anything with interest. THe Equifax rep told me that XXXX REFUSED to speak to her with me on the line because they wanted NOTHING to do with me, and if I was going to sue them then they will not help me in any way. Equifax proved at that point that they had NEVER actually contacted XXXX as they said they had, and if they did and XXXX refused it to be removed, they should have required proof. I had sent EQUIFAX the letters of apology from XXXX and they still chose their side. XXXX claims in an email that he removed it via their internal systems, WHICH WAS ANOTHER LIE from them, which continued the damage and Harm to my family.
When we sat down and calculated our losses in a very conservative way and we have concluded that due to their intentional willful intent to cause and do HARM to my family and I financially, emotionally Physically, Personally, Professionally, I WAS UNABLE TO GET A JOB WITH THE REPO AND I LOST MY JOB MAKING {$75000.00} per year because of the excessive stress and physical damage they caused me, I was no longer able to perform my job duties. I explained all of this to them, and they did NOT CARE AND TOLD ME NOT THEIR ISSUE and they STILL WOULD NOT HAVE IT REMOVED. I then became unemployable because my job requires me to work with MONEY and very private and sensitive information of the company that I work for. I am NOT able to do that with a REPO on my report. It makes me look like I am IRRESPONSIBLE and NO company wants someone controlling their accounts that is FINANCIALLY IRRESPONSIBLE! The job I lost I had been working with since XXXX, so they did NOT pull my credit after the REPO was placed.
All and ALL, we are requesting a restitution FInancial Payment be made Immediately to me, of {$350000.00}. WE are willing to accept a reasonable counter offer if they also agree to remove every negative item they have EVER placed on mine and my husbands report, Including the repo they placed on him due to their lies of taking back the hunk of junks they told us to buy and they would buy them back as part of their apology. Additionally they allowed My niece and Nephew to take over payments on the van that I had NOTHING but issues with. My nephews father is a mechanic and he was able to finally fix it the right way after XXXX charged us more than {$500.00} in repair bills added with interest that they continued to incorrectly fix. They did this with the XXXX that was in my husbands name as well, which we let them take back because they should have done it when they said, and had they fixed my credit in XXXX as they said they would, we would have never had to get their piece of JUNK cars to start with, SO all of it is on them. I also want the Van that has been MORE than paid for, TO be paid in full with a clear title given to my niece and Nephew!
Also I can more than prove it was the REPO holding me back from getting financed, because the car I currently have is at 9 % instead of the 0 % it should have been at, but the ONLY way XXXX even gave me that deal was I showed them the APOLOGY LETTERS FROM XXXX, ALONG WITH THE LETTER FROM THE OWNER XXXX XXXX STATING THEY WILL NOT REMOVE IT EVEN THOUGH IT WAS THEIR MISTAKE! SO that is PROOF POSITIVE that it has BEEN ALL OF THEIR WRONG DOING ALL ALONG. OH and I also had to send that same info to XXXX to get my credit card. However instead of getting a {$5000.00} limit I was given a XXXX limit and instead of getting 0 % for the 2 years I only got the 0 % for 9 months. SO now because I have come to the end of being able to handle the enormous financial burden their negligence has and continues to cause me and my family, WE are in a spot that our payments are late for the first time EVER, and that we are unable to pay our bills because we have been paying the ENORMOUS RATES FOR SO LONG WE JUST HAVE FUN OUT OF MONEY TO KEEP DOING IT!! I HAVE TRIED SO MANY WAYS AND TIMES TO GET THEM TO SETTLE AND THEY CONTINUE TO REFUSE TO DO THE RIGHT THING! I pray for the safety, health and well being of my children you will be able to get them to make us whole again, after waiting for right at the 2 year mark. I do have an attorney looking into the case for Equifax, however, I will also file a complaint against them and share the info with you regarding their part more in detail as well as XXXX 's being a co conspirator with their negligence just as Equifax is a co conspirator with XXXX. If you are able to use this as the info is the same, and the documentation is the same for the most part, and file this against XXXX XXXX XXXX XXXX and EQUIFAX CREDIT AGENCY I WOULD SO APPRECIATE THAT. If NOT I just want to say, I appreciate you help getting this matter resolve once and for all!
So to recap, We want Restitution in the form of {$350000.00}. and or If they agree to absolutely remove every negatively reported item on Mine and my husband XXXX XXXX XXXX 's reports that they have sent to the credit reporting agencies, along with Providing a CLEAN AND CLEAR PAID IN FULL TITLE to the Van Under my niece XXXX XXXX, then we will entertain a lower offer.
Please make sure it is clear that they have HARD COST me, {$15000.00} in 2 years of work, due to the stress, they have factually hard cost me to pay 9 % higher on a XXXX car, due to had this been corrected I would have received 0 % interest, and I would have had that rate 2 years ago, and never had to pay them the EXTORTION RATES OF 19 % on the 2 piece of XXXX cars I had no choice but to take from them, because their negligence and willful intentional intent to cause harm left me with no other options of buying cars from them, One could argue that they do this to everyone so they are FORCED TO RELY ON THEM FOR CARS, AND GET TO KEEP CHARGING THE EXCESSIVE RATES OF 19+ PERCENT ON TOP OF THE EXTREMELY OVER PRICED CRAP CARS THEY SELL! I am sure that has a legal name, and whatever it is, I would think it is a punishable act, and if so I would like that to be imposed should they refuse to settle my claim promptly!
I appreciate your prompt attention in this matter, and your assistance in getting this resolved is GREATLY appreciated.
WE know that if there is ever an agency that TRULY FIGHTS for consumer rights it is YOU GUYS and we ca n't express how much we appreciate you!!
THANKFUL, XXXX and XXXX XXXX
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10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : XXXX**To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( XXXX ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
XXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( XXXX ) based on subscriber codes specified by the XXXX in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, CA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( XXXX ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$200.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, CA XXXX
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11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST XXXX XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.orgXXXX XXXX is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( XXXX XXXX XXXX create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or XXXX Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The XXXX enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the XXXX SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXX begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$78.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
|
11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXXXXXX SSN : XXXX XX/XX/XXXX To : XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.orgXXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ XXXX XXXX and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3XXXX SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 complianXXXX reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
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10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : XXXX begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND XXXX DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, XXXX XXXX compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( XXXX XXXX XXXX create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting CompanieXXXX. XXXX also provides for XXXX to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and XXXX XXXX XXXX form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
XXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( XXXX ) based on subscriber codes specified by the XXXX in the AUD record. ThXXXX XXXX AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- XXXX XXXX not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX XXXX and XXXX ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX {$4600.00} XXXX XXXX data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX compliant reporting XXXX XXXX the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the XXXX XXXX XXXX is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond within20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the XXXX XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE Specialist MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
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10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED XXXX PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX definition ( per XXXX XXXX XXXX ) is that XXXX is a web-based, XXXX XXXX compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
XXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The XXXX AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- XXXX may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA XXXX XXXX compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the XXXX XXXX system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the XXXX XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA XXXX XXXX data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
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04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
I am writing to dispute the following information that appears on my Equifax report from XXXX : Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on 06/30/2021.There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter. I personally signed and sent this letter.
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX # XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XXXX are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XXXXI dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XXXX dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from PAYMNT 1 on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter. I personally signed and sent this letter.
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX on XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XXXX dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter. I personally signed and sent this letter.
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03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hello my name is XXXX XXXX XXXX AS OF XX/XX/XXXX XXXX AND EQUIFAX still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I have sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers.
1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Delete all information in the employer section.
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Equifax which continues until this date to report Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Whom it may concern at EQUIFAX/ XXXX You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " XXXX '' EQUIFAX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose.
" A person shall not use or obtain a consumer report for any purpose unless ; XXXX. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.
XXXX. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d711 ( S.D. Ind. 2003 ).
15 USC {$16000.00} ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with XXXX about the accounts. XXXX XXXX XXXX XXXX Date OpenedXX/XX/XXXX AMOUNT {$46000.00} ) ( XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/ALL OF THE ACCOUNTS REPORTED IN THIS XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXXXXXX, XXXX AMOUNT {$46000.00} ) ( XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$320.00} ) ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX/EQUIFAX/XXXX XXXX XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c-2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block ( XXXX/EQUIFAX/XXXX XXXX/EQUIFAX/XXXX XXXX/Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXEQUIFAXXXXX XXXX XXXX XXXX XXXXXXXXask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and equifax have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} {$45000.00} {$97000.00} {$320.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXXEQUIFAX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXALL OF THE ACCOUNTS REPORTED IN THIS XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX AMOUNT {$46000.00} ) ( XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$320.00} ) ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. Transunion and Equifax have been repeatedly warned about these fraudulent accounts that are on my consumer report. I XXXX XXXX XXXX ON XX/XX/XXXX have SWORN THAT I never gave ( XXXX ) EQUIFAX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; XXXX. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. XXXX. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d
711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. EQUIFAX/and XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure ni case of disputed accuracy, 15 U.S. code 1681b- Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. ( Gramm-leach-Bliley Act )
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03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX XXXX AS OF XX/XX/XXXX spoke with XXXX XXXX supervisor at XXXX Special handling at fraud department XXXX XXXX at XXXX I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent account and fraudulent inquiries would be removed from my consumer reports still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I have sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. XXXX XXXX XXXXXXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Whom it may concern at EQUIFAX/ XXXX You XXXX in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " XXXX '' EQUIFAX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC {$16000.00} ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with XXXX about the accounts. XXXX XXXX XXXX XXXX Date OpenedMay XXXX, XXXX AMOUNT {$46000.00} XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX ) fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX ( XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX AMOUNT {$46000.00} ) ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXXXXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX/EQUIFAX/XXXX/XXXX XXXX XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXX XXXX/XXXX/EQUIFAX/Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX XX/XX/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and equifax have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed /XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, XXXX XXXX XXXX Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practicesXXXX XXXX/EQUIFAX/XXXX XXXX XXXXM/ALL OF THE ACCOUNTS REPORTED IN THIS XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedMay XXXX, XXXX AMOUNT {$46000.00} XXXX ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry Date XXXX MB FIN SVCS date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and Equifax have been repeatedly warned about these fraudulent accounts that are on my consumer reports I never gave ( XXXX ) EQUIFAX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d
711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date XX/XX/XXXX which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. EQUIFAX/and XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ),
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10/31/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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XXXX XXXX XXXX XXXX Ct XXXX, SC XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : XXXX begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, XXXX XXXX compliant, XXXX system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( XXXX XXXX XXXX create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or XXXX Credit Bureaus and Mortgage XXXX XXXX. XXXX also provides for XXXX to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
XXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( XXXX ) based on subscriber codes specified by the XXXX in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- XXXX may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting XXXX XXXX the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond XXXX calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE XXXX MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX Ct XXXX, SC XXXX
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10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT DEPT OF ED/XXXX XXXX XX/XX/XXXX {$77000.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
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03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Hello my name is XXXX XXXX XXXX XXXX AS OF XX/XX/XXXX XXXX AND EQUIFAX still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I have sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Equifax which continues until this date to report Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. XXXX XXXXAccount Number : XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent inquiry ) XXXX XXXX XXXX XX/XX/XXXX To : Whom it may concern at EQUIFAX/ XXXX You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " XXXX '' EQUIFAX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC {$16000.00} ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint XXXX/Equifax XXXX XXXX/Account Number : XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES DATE ( Fraudulent inquiry ) XXXX XXXX XXXX XX/XX/XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/XXXX XXXX XXXX Number XXXX XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES DATE ( Fraudulent inquiry ) XXXX XXXX XXXX XX/XX/XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning yoXXXX XXXX XXXX/EQUIFAX/XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud . If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c-2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXX/EQUIFAX/XXXX XXXXXXXX/EQUIFAX/Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXXEQUIFAX XXXX XXXXAccount Number : XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES DATE ( Fraudulent inquiry ) XXXX XXXX XXXX XXXXXX/XX/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/ XXXX XXXX/Account Number XXXX XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES DATE ( Fraudulent inquiry ) XXXX XXXX XXXX XX/XX/XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and equifax have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXX/Account Number : XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES DATE ( Fraudulent inquiry ) XXXX XXXX XXXX XXXXXX/XX/XXXX I ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practicesXXXX XXXX/EQUIFAX/XXXX XXXX XXXX Number XXXX XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES DATE ( Fraudulent inquiry ) XXXX XXXX XXXX XX/XX/XXXX I ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and Equifax have been repeatedly warned about these fraudulent accounts that are on my consumer report. I XXXX XXXX XXXX XXXX ON XX/XX/XXXX have SWORN THAT I never gave ( XXXX ) EQUIFAX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; XXXX. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d
711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. EQUIFAX/and XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure ni case of disputed accuracy, 15 U.S. code 1681b- Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. ( Gramm-leach-Bliley Act )
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12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To the CFPB : 15 USC 6805 Enforcement. ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, XXXX, XXXX XXXX, and XXXX violated my rights 15 USC subsection 6801 Protection of nonpublic personal information ( a ) Privacy Obligation Policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Congress stated that XXXX, XXXX XXXX, and XXXX has an obligation to respect the privacy of the consumer and to protect the security and confidentiality of my nonpublic information. How are they protecting my confidential information when they are reporting it to third parties. THEY ARE IN VIOLATION.
15 USC subsection 6802 Obligation with respect to disclosures of personal information.
( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt Out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( a ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
I also NEVER gave XXXX, XXXX XXXX, and XXXX permission to report my confidential information to third parties. I sent opt out letters to XXXX, XXXX XXXX, and XXXX. I was never given the opportunity to opt out by these companies.
16 CFR 313.1 Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
16 CFR 314- Standards for safeguarding customer information. Also see 15 USC 6801 ( b ) 6805 ( b ) ( 2 ) and 67 FR 36493 Purpose. This part, which implements sections 501 and 505 ( b ) ( 2 ) of the Gramm-Leach-Bliley Act, sets forth standards for developing, implementing, and maintaining reasonable administrative, technical, and physical safeguards to protect the security, confidentiality, and integrity of customer information.
XXXX, XXXX XXXX, and XXXX are in violation of 22 CFR subsection 1101.8- Disclosure of records to third parties.
( a ) The Section will not disclose any information about an individual to any person other than the individual except in the following instances : ( b ) ( 1 ) Upon written request by the individual about whom the information is maintained ; ( c ) ( 2 ) With prior written consent of the individual about whom the information is maintained ; I have NEVER requested for my personal information to be disclosed to any third party.
XXXX, XXXX XXXX, and XXXX are in violation of Family educational and privacy act 20 USC subsection 1232g ( c ) The first sentence of subparagraph ( A ) shall not operate to make available to students in institutions of postsecondary education the following materials : financial records of the parents of the student or any information contained therein ; XXXX, XXXX XXXX XXXX and XXXX is reporting my financial records to third parties.
IT IS ILLEGAL TO REPORT TRANSACTIONS ON A CREDIT REPORT!!
XXXX, XXXX XXXX, and XXXX are in violation of 22 CFR subsection 1101.5 Security, confidentiality and protection of records.
( a ) The Act requires that records subject to the Act be maintained with appropriate administrative, technical and physical safeguards to ensure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience or unfairness to any individual on whom information is maintained.
With XXXX, XXXX XXXX, and XXXX reporting my information to the third parties like XXXX, XXXX and Equifax, I have been embarrassed and humiliated when being denied for credit.
15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
My first XXXX account on my credit report the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX and Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX and XXXX open date XX/XX/XXXX XXXX XXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX and XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following XXXX open XXXX XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open XXXX XX/XX/XXXX XXXXXXXX XXXX account is reporting the following XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX that are reporting as Charge offs.
Charge offs are consider certificates of indebtness and 1099-C are filed.
According to the IRS Publication 4681 ( 2022 ) Canceled Debts, Foreclosures, Repossessions and Abandonments. sourceXXXX XXXX XXXX XXXX XXXX XXXX Under introduction it states : Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. Also, under General Rule it states : Generally, if a debt for which you are personally liable is forgiven or discharged for less than the full amount owed, the debt is considered canceled in whatever amount it remained unpaid. Generally, you must include the canceled debt in your income. A debt includes any indebtedness : For which you are liable, or Subject to which you hold property. Per the IRS, charge offs are considered INCOME and income CAN NOT be reported on my credit report. They MUST be REMOVED!
These are the accounts that are reporting a charge off on my credit report : XXXX XXXX is reporting my account as charged off to XXXX and XXXX XXXX XXXX is reporting my account as charged off to XXXX, XXXX, and Equifax XXXXXXXX XXXX XXXX is reporting my account as charged off to XXXX, XXXX, and Equifax XXXX XXXX is reporting my account as charged off to XXXX, XXXX and Equifax XXXX XXXX XXXX is reporting my account as charged off to XXXX and XXXX XXXX XXXX is reporting my account as charged off to XXXX, XXXX and Equifax XXXXXXXX XXXX XXXXXXXX is reporting my account as charged off to XXXX, XXXX, and Equifax XXXX XXXX is reporting my account as charged off to XXXX, XXXX and Equifax These are the accounts that are in violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXXXXXX and reporting as charged off/closed, XXXX open XXXX XX/XX/XXXX and reporting as charged off/closed, Equifax open date XX/XX/XXXX and reporting as 120 days late/ Open account XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXX and reporting as account type : collections, payment status charged off, XXXX open date XX/XX/XXXX and reporting as account type open, payment status charged off, Equifax open date is XX/XX/XXXX and reporting as account type open and payment status late 120 days XXXX XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax XX/XX/XXXXXXXX XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXX and XXXX open date XX/XX/XXXXXXXX XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXX and XXXX open date XX/XX/XXXXXXXX XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX and Equifax open date XX/XX/XXXXXXXX XXXX XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, Equifax open date XX/XX/XXXX XXXX XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX and Equifax open date XX/XX/XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and Equifax open date XX/XX/XXXX XXXX XXXX account is reporting the following inaccuracies : XXXX open date XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX These same accounts XXXX as : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX.
Are in violation of the following : 15 USC subsection 6802 Obligation with respect to disclosures of personal information.
( c ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( d ) Opt Out ( 2 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( d ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( e ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option 16 CFR 313.1 Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
16 CFR 314- Standards for safeguarding customer information. Also see 15 USC 6801 ( b ) 6805 ( b ) ( 2 ) I have not given XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX, permission to disclose my information to third parties. I have also sent these companies opt out letters.
15 USC subsection 1681b- Permissible purpose of consumer reports.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
AGAIN, I DID NOT GIVE WRITTEN CONSENT TO FURNISH ANY OF THE ABOVE ACCOUNTS ON MY CREDIT REPORT.
15 USC subsection 1681c- Requirements relating to information contained in consumer report.
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven year.
WITH THE EXPECTIONS OF CONVICTION OF CRIMES, NOTHING SHOULD BE FURNISHED ON MY CREDIT REPORT.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
As you can see, All the forementioned accounts must be removed from by credit report due to several violations.
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04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute several inaccuracies in my credit report that have been reported by your agency. My current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but your agency has reported several incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This incorrect information has caused me significant financial harm and has affected my ability to obtain credit and other financial opportunities.
I believe that your agency has violated several laws, including the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681, specifically Section 1681e, which requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report, and Section 1681i, which requires that credit reporting agencies investigate disputed information and correct any inaccuracies.
Furthermore, I believe that your agency has violated the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S. Code 1681c, specifically Section 1681c ( a ) ( 4 ), which requires that credit reporting agencies redact or remove certain personal information, including addresses, from consumer credit reports to protect against identity theft.
Additionally, I believe that your agency has violated the Equal Credit Opportunity Act ( ECOA ) - 15 U.S. Code 1691, specifically Section 1691 ( a ) ( 1 ), which prohibits creditors from discriminating against credit applicants based on race, color, religion, national origin, sex, marital status, or age, and Section 1691 ( a ) ( 2 ), which prohibits creditors from requiring applicants to provide information about their spouse or former spouse unless the applicant is applying for joint credit, or the applicant resides in a community property state.
Furthermore, I believe that your agency has violated the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601, specifically Section 1601 ( a ), which requires that creditors provide consumers with accurate and clear disclosures of the terms and conditions of credit, including finance charges and annual percentage rates.
Lastly, I believe that your agency has violated the Real Estate Settlement Procedures Act ( RESPA ) - 12 U.S. Code 2601, specifically Section 2605, which requires that loan servicers respond to borrower requests for information and complaints regarding errors in loan servicing.
Unauthorized inquiries : I have found unauthorized inquiries on my credit report that were made without my consent. These inquiries are a violation of the FCRA, specifically section 604 of the Act.
Inaccurate reporting : The information reported on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate XXXX incomplete, and outdated. The inclusion of such inaccurate information is a violation of the FCRA, specifically section 607 of the Act.
Failure to investigate disputes : I have previously disputed inaccurate information on my credit report, but the credit reporting agency or creditor failed to investigate or correct the information. This is a violation of the FCRA, specifically section 611 of the Act.
Failure to provide notice : I was not notified of an inquiry or other adverse action taken against me based on my credit report by XXXX XXXX. This is a violation of the FCRA, specifically section 615 of the Act.
One of my creditors, XXXX XXXX, has reported that I was 30 days late on XX/XX/XXXX on my account, but I never missed a payment on this account. This inaccurate reporting has severely impacted my credit score and my ability to obtain credit, as well as causing undue stress and anxiety.
Furthermore, there are discrepancies in the dates being reported by the different credit bureaus. XXXX has reported a Date of Last Activity date of XX/XX/XXXX, while XXXX and Equifax show XX/XX/XXXX. Similarly, XXXX and XXXX have reported a Date Reported date of XX/XX/XXXX, while Equifax reports XX/XX/XXXX. XXXX and Equifax are showing a Date Opened date of XX/XX/XXXX, but XXXX is reporting XX/XX/XXXX.
These inaccuracies and discrepancies are in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 623 ( a ) ( 2 ) : This section requires that credit reporting agencies follow reasonable procedures to ensure that the information they report is accurate.
FCRA Section 623 ( a ) ( 5 ) : This section requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information.
FCRA Section 623 ( b ) ( 1 ) ( D ) : This section requires that when a furnisher of information provides information to a credit reporting agency, it must provide the date of delinquency on the account.
Furthermore, these discrepancies also potentially violate the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312, which requires furnishers of information to provide accurate and complete information to credit reporting agencies.
XXXX XXXX The discrepancies in the dates being reported by the different credit bureaus and the inaccurate reporting of a late payment have had a significant negative impact on my life.
As per FCRA Section 623 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure that the information they report is accurate. However, the discrepancies in the dates being reported by XXXX, XXXX, and Equifax suggest that the credit reporting agencies have failed to follow these reasonable procedures.
In addition, as per FCRA Section 623 ( a ) ( 5 ), credit reporting agencies are required to promptly delete or modify inaccurate or incomplete information. The late payment being reported on my account by XXXX is inaccurate and should be promptly deleted from my credit report.
Furthermore, as per FCRA Section 623 ( b ) ( 1 ) ( D ), furnishers of information, such as XXXX, are required to provide accurate information to credit reporting agencies. However, it appears that XXXX provided inaccurate information regarding the date of last activity, date reported, and date opened on my account.
XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX, the reported date of last activity is XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. Furthermore, XXXX reports a date reported of XX/XX/XXXX, while XXXX reports XX/XX/XXXX and Equifax reports XX/XX/XXXX. All three bureaus indicate that I was 60 days late on XX/XX/XXXX, even though I made all my payments on time.
These inaccuracies are in violation of several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 623 ( a ) ( 2 ) requires credit reporting agencies to follow reasonable procedures to ensure that the information they report is accurate. The discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.
In addition, FCRA Section 623 ( a ) ( 5 ) requires credit reporting agencies to promptly delete or modify inaccurate or incomplete information. The late payment being reported when no payment was missed is inaccurate and should be promptly deleted. Finally, FCRA Section 623 ( b ) ( 1 ) ( D ) requires furnishers of information to provide the date of delinquency on the account when providing information to a credit reporting agency. XXXX provided inaccurate information regarding the date of last activity, date reported, and payment status on the account.
XXXX I am very concerned about the discrepancies in the information being reported by the three major credit bureaus- XXXX, Equifax, and XXXX- with regards to this account.
According to XXXX and Equifax, the Date of Last Activity is XX/XX/XXXX, but XXXX is reporting it as XX/XX/XXXX. Additionally, XXXX and XXXX are reporting Date Reported as XX/XX/XXXX, while Equifax still reports it as XX/XX/XXXX. Furthermore, XXXX is reporting Date Opened as XX/XX/XXXX, but XXXX is reporting it as XX/XX/XXXX. Finally, XXXX and XXXX are reporting the Last Payment date as XX/XX/XXXX, but Equifax is reporting it as XX/XX/XXXX.
These discrepancies indicate that the credit reporting agencies have failed to follow reasonable procedures to ensure the accuracy of the information they report, as required by FCRA Section 623 ( a ) ( 2 ). Furthermore, the inaccuracies in the information being reported suggest that FCRA Section 623 ( a ) ( 5 ) may have been violated, which requires credit reporting agencies to promptly delete or modify inaccurate or incomplete information. Lastly, it appears that XXXX has violated FCRA Section 623 ( b ) ( 1 ) ( D ) by providing inaccurate information regarding the date of last activity, date reported, date opened, and last payment date on the account.
my account with XXXX XXXX XXXX I have recently obtained my credit reports from XXXX XXXX XXXX XXXX and Equifax and have found several discrepancies and violations of the Fair Credit Reporting Act ( FCRA ).
Firstly, according to XXXX, the date of last activity on my account is XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. These discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy, in violation of FCRA Section 623 ( a ) ( 2 ).
Secondly, all three credit bureaus are reporting that I was 30 days late on XX/XX/XXXX, when in fact, I did not miss any payment on this account. XXXX and Equifax are also reporting that my payment status is Late 120 Days, while XXXX is reporting Late 150 Days. This inaccurate and incomplete information violates FCRA Section 623 ( a ) ( 5 ), which requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information.
Thirdly, XXXX and XXXX are reporting that the last payment date on my account is XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX. Similarly, XXXX and XXXX are reporting a credit limit balance of {$2500.00}, which Equifax did not report. This inaccurate information violates FCRA Section 623 ( b ) ( 1 ) ( D ), which requires furnishers of information to provide the date of delinquency on the account.
XXXX XXXX XXXX XXXX has provided to the credit reporting agencies regarding my account. According to my credit report, there are several discrepancies in the dates reported by the different credit bureaus, which suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.
Specifically, XXXX and Equifax are showing a Date of Last Activity of XX/XX/XXXX, but XXXX is showing XX/XX/XXXX. Additionally, XXXX is showing a Date Reported date of XX/XX/XXXX, but XXXX reported XX/XX/XXXX and Equifax reported XX/XX/XXXX. According to XXXX and Equifax, the Date Opened is XX/XX/XXXX, but XXXX is showing XX/XX/XXXX. Lastly, XXXX and XXXX are showing a Last Payment date of XX/XX/XXXX, but Equifax is showing XX/XX/XXXX.
These discrepancies have had a significant impact on my life. As a result of these inaccurate reports, I have been denied credit and have had difficulty securing loans. I have been working hard to improve my credit score and establish a good financial standing, but the incorrect information on my credit report is hindering my progress.
I would like to request that you enforce the legal requirements under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report accurately reflects my credit history. The discrepancies in the dates reported by the different credit bureaus are clear violations of FCRA Section 623 ( a ) ( 2 ), which requires credit reporting agencies to follow reasonable procedures to ensure that the information they report is accurate.
Furthermore, I believe that XXXX XXXX XXXX has provided inaccurate information regarding the date of last activity, date reported, date opened, and last payment date on the account, which is a violation of FCRA Section 623 ( b ) ( 1 ) ( D ). Therefore, I request that you promptly delete or modify this inaccurate information from my credit report.
XXXX XXXX XXXX XXXX, by the three credit reporting agencies.
According to all three bureaus, I was reported as being 30 days late on this account, but I did not miss any payment. Furthermore, there are discrepancies in the reporting of the Date of Last Activity, Date Reported, and Creditor Type on this account by the different credit bureaus.
These inaccuracies violate several sections of the Fair Credit Reporting Act ( FCRA ). FCRA Section 623 ( a ) ( 2 ) requires that credit reporting agencies follow reasonable procedures to ensure that the information they report is accurate. The discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.
FCRA Section 623 ( a ) ( 5 ) requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information. The late payment being reported when no payment was missed is inaccurate and should be promptly deleted.
FCRA Section 623 ( b ) ( 1 ) ( C ) requires that when a creditor provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the creditor, XXXX, provided inaccurate information regarding the date of delinquency, which has resulted in a negative impact on my credit report.
FCRA Section 623 ( b ) ( 1 ) ( D ) requires that when a furnisher of information provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the furnisher of information, XXXX, provided inaccurate information regarding the date of last activity, date reported, and creditor type on the account.
XXXX XXXX XXXX XXXX XXXX showing the Date of Last Activity as XX/XX/XXXX, while XXXX XXXX showing it as XX/XX/XXXX and Equifax XXXX showing it as XX/XX/XXXX. Additionally, XXXX and XXXX are reporting the Date Reported as XX/XX/XXXX, while Equifax is reporting it as XX/XX/XXXX. Furthermore, XXXX is showing a Credit Limit of {$7500.00}, while the other credit bureaus did not report any credit limit.
These discrepancies are in violation of several sections of the Fair Credit Reporting Act ( FCRA ), including FCRA Section 623 ( a ) ( 2 ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information being reported. The discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.
In addition, FCRA Section 623 ( b ) ( 1 ) ( C ) requires that when a creditor provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the creditor, XXXX XXXX, provided inaccurate information regarding the date of last activity on the account, which has resulted in a negative impact on my credit report.
Finally, FCRA Section 623 ( b ) ( 1 ) ( D ) requires that when a furnisher of information provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the furnisher of information, XXXX XXXX, provided inaccurate information regarding the date reported and credit limit on the account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report is showing that the account is open, but it is a collection account. However, I was never notified by the creditor that my account was sold to a collection agency.
Furthermore, there are discrepancies in the dates and account status reported by XXXX and XXXX. XXXX reported the Date of Last Activity as XX/XX/XXXX while XXXX reported it as XX/XX/XXXX. Additionally, XXXX is reporting the Account XXXX as XXXX, but XXXX is reporting it as Closed.
These errors violate several sections of the Fair Credit Reporting Act ( FCRA ). Section 609 ( a ) ( 1 ) states that consumers are entitled to a free copy of their credit report from each credit reporting agency once every 12 months. If the creditor or collection agency did not notify me that my account was being sent to collections, it may have impacted my ability to monitor and address any negative information on my credit report.
Section 623 ( a ) ( 2 ) requires that credit reporting agencies follow reasonable procedures to ensure that the information they report is accurate. The discrepancy in the account status reported by XXXX and XXXX suggests that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.
Section 623 ( a ) ( 5 ) requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information. If the account is indeed a collection account and is being reported as open by XXXX, it may be inaccurate and should be promptly deleted or modified.
Finally, Section 623 ( b ) ( 3 ) ( A ) requires that when a consumer disputes information on their credit report, the credit reporting agency must provide written notice to the creditor or collection agency providing the information within 5 business days. If I have disputed the account status with the credit reporting agencies and they have failed to provide notice to the creditor or collection agency, they may be in violation of this section.
This inaccurate information has had a significant impact on my life. It has made it difficult for me to secure loans, obtain credit cards, and even rent an apartment. I have had to pay higher interest rates and fees because of the negative information on my credit report.
Therefore, I request that XXXX XXXX XXXX remove this unverified account from my credit report. I also request that the credit reporting agencies enforce the legal requirements outlined in the FCRA and ensure that accurate and complete information is reported on my credit report.
Sincerely, XXXX XXXX
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07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was the victim of credit card fraud from an ex girlfriend who used my cards for her own personal gain using 3 separate credit cards from XX/XX/XXXX to XX/XX/XXXX without my permission and without my knowledge. One of these cards is through XXXX XXXX XXXX. I have cleared the fraudulent charges on my other two cards by submitting a fraud report to those companies, but XXXX has refused to do a fair and impartial investigation to clear the debt from my name even with the substantial evidence which has been presented to them. I am submitting this complaint due to violations committed by XXXX XXXX XXXX under the Fair Debt Collection Practices Act and Fair Credit Billing Act. The final complaint submitted to XXXX XXXX XXXX was received with the following statement made by them in writing which outlines their lack of investigations. " We previously responded to your concerns in our enclosed letter dated XX/XX/XXXX, in which we enclosed a copy of the Card member Agreement that says on page 1 that you, as the Primary Card member, are responsible for all charges made including anyone you permit to use your account. '' They then proceed to state " Although we understand your claim that your ex-girlfriend used the credit card without your permission, you acknowledge that you made and agreement with her to repay you for the purchases and acknowledge that you allowed her to handle your finances. We consider this to be a civil matter, not fraud, and best handled outside of the credit card industry. Our decision remains unchanged '' This letter was received by myself on XX/XX/XXXX and is entirely inaccurate on the information submitted to XXXX XXXX XXXX on the fraud report and continues to be perpetuated by false information reported to the credit bureaus as well. When I submitted the report of the fraudulent activity, I never stated I asked the ex-girlfriend to repay ME for these fraudulent charges, I offered her the ultimatum to repay the fraudulent charges to XXXX and clear the credit card of all debt or to face criminal prosecution. She then made a few payments on the card, but then recanted her promise to pay and was ultimately charge with two felony charges by the XXXX, NC Police Department. XXXX also inaccurately states that I claimed this ex-girlfriend handled my finances. At no time has she ever handled my fiances and this information is completely inaccurate. However, even if this information WAS accurate, there is no place under the law that would excuse felony credit card fraud and identity theft and make this matter a civil matter. XXXX has not once called me after repeated requests and complaints over this matter to actually conduct an accurate and thorough interview. After this last " investigation '' I received a call stating an investigator name XXXX would contact me in the coming days as she works on the investigation. I never received that call, in fact there was no information provided by me at all in this investigation other than information they claim I provided and used that is full of inaccuracies entered from their initial investigation two years ago. Instead, I received a letter stating " Our decision remains unchanged '' and then cites inaccuracies that persist from the initial investigation 2 years ago that I have continued to point out are incorrect. I have had nothing to do with this re-investigation and they appear to simply be reading someone else 's notes and then copying what they had to say which includes falsehoods such as " He allowed her to use his card '' or " You allowed her to handle your finances '' when in reality they are misapplying statements that were made about unrelated items. I have never had the chance to have a fair and ACCURATE investigation as it is glaringly obvious XXXX does not want to conduct a real investigation because they know the fraud I experienced must be deleted from my account and clear my credit of this charge card. XXXX states the following inaccuracies on their investigations but has never validated or even contacted me to verify any of the information which they seem to use to make their determination. 1. I allowed the ex-gf to use the cards. -I made it abundantly clear to XXXX XXXX XXXX I never authorized nor knew about the fraudulent charges. Once I discovered the illegal charges, I gave the person who was still a current girlfriend at the time the ultimatum to repay the money for the theft ( to the credit card companies ) or I would file criminal charges. The reason I did not immediately file criminal charges is to avoid her becoming a convicted felon. She was at the end of two years of college classes to become an XXXX and was almost ready to graduate and she was also a XXXX mother. As stated earlier, we were still romantically involved and I did not want to ruin years of schooling for her XXXX. Instead, trying to be fair, I offered her the chance to make things right with the credit card companies or turn her over to the police, but ultimately that would be her decision. The woman in question did make payments to the cards for a short period of time then stopped entirely and directly refused to pay off her fraudulent charges. By the time I filed criminal charges I had ended the relationship, removed her from my home, and reported the fraud she had committed to the credit card companies. I attempted to make the credit card companies whole by first giving her ( the ex-gf ) the opportunity to repay the money and avoid prosecution. It seemed like the " nice-guy '' option as everyone would win in this scenario. She would avoid any charges and could continue on her career as a XXXX and set a good example to her children ( she was also a XXXX mother ), the credit card companies would be repaid in full PLUS interest on her fraudulent charges, and I would not have to deal with this nightmare of fighting to clear my name of charges I did not authorize or know about. XXXX now contends that makes this a " civil '' matter. I directly dispute that allegation as I have consulted with my local police department who agree, this is a criminal matter and on XX/XX/XXXX filied one charge of Financial Transaction Card Fraud. An additional charge of Felony Identity Theft was added by Investigator XXXX on XX/XX/XXXX. As explained to me by Investigator you can not make a felony into a civil matter, and allowing her to repay the money to XXXX is actually called " continuation of a felony ''. The investigator stated it would not be something you would likely understand and obviously you were trying to do what is right, but XXXX XXXX XXXX absolutely should know that a felony can not be absolved by paying restitution it simply " continues '' even if the debt was cleared, however that was not the case here as the ex-gf failed to pay the money as promised. 2. XXXX alleges I allowed my ex-gf to " handle my finances ''. Once again, this information is completely false and results in massive assumptions compiled by information that had to be twisted by the initial investigator. The information provided to the initial investigator that could only be where the investigator drew this conclusions was when I stated the now ex paid " all the bills of the house '' meaning she had the lights, cable, rent etc in her name. I was NOT on the lease, I was not joint on any account with her of any kind. I simply paid her half of these items in cash to pay these house hold items. I lived with her, but the lease of that rental was in her name. To be fair, I paid my fair share of items that were used, but at no point did she handle my finances. I had my own bank account which she was not on, I paid all my own items such as cell phone, insurance, car payment, student loans etc myself. They came from my bank account which was again in my name. The only reason the household bills were ever mentioned to the initial investigator was because after reviewing the fraudulent charges, I noticed she was paying 100 % of these " household bills '' with the stolen funds from my credit card AND collecting half of the bills from me personally in cash as well. So she was avoiding paying any of the bills since she was adding them to the cards, then still taking cash from me as if she was adding it to her money and sending out checks to pay those bills. I even discovered at least two forged credit card checks she used to pay the rent to the land lord, but once again also got half of the rent from me in cash. As a result, she managed to not pay any of the bills in her name for several months, collect money from me, and later also used the stolen card information to pay HER personal bills such as car insurance, cell phone bill, buy items online for her children, pay her child 's cell phone bill, put gas in har car, etc. That was all discovered shortly after I purchased my home and was confronted with the massive amount of credit card debt by my mortgage broker who then explained my credit bureau was showing maxed out cards. However, the " investigators '' from XXXX also got this information wrong and somehow turned this into the ex must have had access to all my finances etc. They have failed to do any semblance of an investigation and have simply rehashed old inaccurate information and placed notes on the account never actually doing anything. As a result, I am filing this complaint with copies of the police report as well as the statutes of both State and Federal laws which prove without a double that what XXXX alleges is civil is entirely criminal. There is no reason for this account to still be appearing on my credit bureau when the information they have been provided proves this account is the result of Credit Card Fraud! For XXXX XXXX XXXX to continue to report this as a charge off and reporting this information as accurate is a concerted effort to intentionally inflict damages upon me for refusing to pay on this account due to the fact it is fraud. The following State of North Carolina Statutes define the charges made by the ex on my credit card as fraud : 14-113.9. Financial transaction card theft. ( a ) A person is guilty of financial transaction card theft when the person does any of the following : ( 1 ) Takes, obtains or withholds a financial transaction card from the person, possession, custody or control of another without the cardholder 's consent and with the intent to use it ; or who, with knowledge that it has been so taken, obtained or withheld, receives the financial transaction card with intent to use it or to sell it, or to transfer it to a person other than the issuer or the cardholder 14-113.13. Financial transaction card fraud. ( a ) A person is guilty of financial transaction card fraud when, with intent to defraud the issuer, a person or organization providing money, goods, services or anything else of value, or any another person, he ( 1 ) Uses for the purpose of obtaining money, goods, services or anything else of value a financial transaction card obtained or retained, or which was received with knowledge that it was obtained or retained, in violation of G.S. 14-113.9 or 14-113.11 or a financial transaction card which he knows is forged, altered, expired, revoked or was obtained as a result of a fraudulent application in violation of G.S. 14-113.13 ( c ) ; or ( 2 ) Obtains money, goods, services, or anything else of value by : a. Representing without the consent of the cardholder that he is the holder of a specified card ; or b. Presenting the financial transaction card without the authorization or permission of the cardholder ; or c. Representing that he is the holder of a card and such card has not in fact been issued ; or d. Using a financial transaction card to knowingly and willfully exceed : 1. The actual balance of a demand deposit account or time deposit account ; or 2. An authorized credit line in an amount which exceeds such authorized credit line in the amount of five hundred dollars ( {$500.00} ), or fifty percent ( 50 % ) of such authorized credit line, whichever is greater ; or ( 3 ) Obtains control over a financial transaction card as security for debt ; or ( 4 ) Deposits into his account or any account, by means of an automated banking device, a false, fictitious, forged, altered or counterfeit check, draft, money order, or any other such document not his lawful or legal property ; or ( 5 ) Receives money, goods, services or anything else of value as a result of a false, fictitious, forged, altered, or counterfeit check, draft, money order or any other such document having been deposited into an account via an automated banking device, knowing at the time of receipt of the money, goods, services, or item of value that the document so deposited was false, fictitious, forged, altered or counterfeit or that the above deposited item was not his lawful or legal property 14-113.11. Forgery of financial transaction card. ( a ) A person is guilty of financial transaction card forgery when : ( 2 ) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely encodes, duplicates or alters existing encoded information on a financial transaction card or utters such a financial transaction card ; 14-113.15. Criminal receipt of goods and services fraudulently obtained. A person is guilty of criminally receiving goods and services fraudulently obtained when he receives money, goods, services or anything else of value obtained in violation of G.S. 14-113.13 ( a ) with the knowledge or belief that the same were obtained in violation of G.S. 14-113.13 ( a ). Conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S. 14-113.17 ( a ) if the value of all the money, goods, services and anything else of value, obtained in violation of this section, does not exceed five hundred dollars ( {$500.00} ) in any six-month period ; conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S . 14-113.17 ( b ) if such value exceeds five hundred dollars ( {$500.00} ) in any six-month period. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1. ) 14-113.17. Punishment and penalties. ( b ) A crime punishable under this Article is punishable as a Class I felony. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1 ; c. 760, s. 5 ; 1993, c. 539, ss. 55, 1183 ; 1994, Ex. Sess., c. 24, s. 14 ( c ). The Federal Statutes which also confirm the actions against me as criminal fraud are as follows : 15 U.S.C. 1644 - U.S. Code - Unannotated Title 15. Commerce and Trade 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( d ) Receipt, concealment, etc., of goods obtained by use of card Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value ( except tickets for interstate or foreign transportation ) which ( 1 ) within any one-year period has a value aggregating {$1000.00} or more, ( 2 ) has moved in or is part of, or which constitutes interstate or foreign commerce, and ( 3 ) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card ; or ( f ) Furnishing of money, etc., through use of card Whoever in a transaction affecting interstate or foreign commerce furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating {$1000.00} or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both. It is obviously clear that there is no defense alleged by XXXX in any previous statement that would make this matter civil in any way. Both State and Federal laws make it very clear I was the vitim of fraud, as well as the local police department who have filed two felony charges against her. So, how can XXXX possibly make the claim to find this matter civil? The last time I checked the Prosecutors and Police officers who do this for a living decide what is a crime based on these very statutes, especially since they saw fit to file charges for the actions of this now ex-girlfriend. So what then could possibly motivate XXXX to continually file false information that my account information is " accurate '' when the LAW says it is not just criminal, but FELONY charges that were committed. My rights under the Fair Debt Collection Act have been violation due to intentional and deceptive collection practices, unfair reporting of false information, and illegally reporting inaccurate information to creditors damaging my credit score resulting in higher interest rates on my home, car insurance, as well as knowingly keeping that false information on my credit bureau. They have also violated my rights under the Fair Credit Billing Act knowingly failing to investigate my claim of fraud and simply passing of their " investigation '' as completed. This is obvious with prima facia evidence that they continue to claim the fraudulent charges are civil when their are a half dozen statutes listed that contradict their own statements. They are not qualified to make legal decisions on what is or is not fraud when the law has already clearly defined the actions that occurred in my case fall directly in the definition of credit card fraud. Cards were used without my knowledge, items were purchased over the internet falling under federal statutes, signatures on receipts were signed under my name which were then forgeries, credit card checks were cashed using my name to pay rent also adding to the fraud under Forgery of Financial Transaction and Receipt and Concealment of Goods Obtained by Use of Card. There is Statute after Statute that directly covers EVERYTHING that happened to me as a victim of fraud, but XXXX XXXX XXXX wants to fake an investigation and call it civil. To continue this narrative is not just unjust, but it is borderline criminal on their part knowing that the lasting effects of their information is directly harming me financially. That is likely their motive for continuing to respond in the manner that they are an I surely hope an investigation is conducted by CFPB and additional fines and punitive damages are levied against them for their deceptive and illegal business practices.
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05/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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TO : Equifax Credit Reports By Delivery via US Mail Only : Equifa x Cre dit Information Services , Inc. , XXXX XXXX XXXX , XXXX , GA XXXX by Phone : XXXX - XXXX - XXXX - XXXX XXXX Credit Reports By Delivery via US Mail Only : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX . XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX . ALLEGED ACCOUNT # XXXX XXXX XXXX Alleged Account # XXXX ALLEGED ACCOUNT # XXXX XXXX XXXX Alleged Account # XXXX XXXX XXXX XXXX XXXX Incorrect information on credit report Equifax XX/XX/XXXX Open Sent to company XXXX XXXX XXXX XXXX Other ( i.e. phone, health club, etc. ) Disclosure verification of debt XXXX XXXX XXXX XX/XX/XXXX Open Submitted to the CFPB CC : XXXX XXXX , Florida State Attorney General ( with enclosure ) Federal Trade commission ( with enclosure ) News XXXX XXXX ( with enclosure ) Consumer Protection Financial Bureau : To Whom It May Concern : Equifax, XXXX And XXXX Refuse To Allow Me To Purchase Home. These Companies Are Denying Me This Right By Refusing To Remove Outdated And Inaccurate Information On My Credit Report. Currently Equifax, XXXX Are Being Fined XXXX XXXX For Misrepresenting Credit Products After thoroughly researching this matter, it is obvious to me that I do not owe what you firm claim I owe. In fact, I emphatically dispute this alleged debt. As I am aware of my right under the Fair Debt Collection Act ( hereinafter FDCPA ) as well as Florida law on the subject of debt collection, not only do I dispute the validity of this debt, but by copy this letter to the Florida State Attorney General. I hereby request that its good office verify the statute of limitations for enforcing this type of debt through the courts of the State of Florida, in fact expired. Should you decide to pursue this matter in a court of competent jurisdiction within the State of Florida or otherwise. I fully intend to inform such court of my dispute as well as presumed finding by the State of Florida Attorney General that its statute of limitation has indeed, expired. According to the information given to us by your firm, the date of last activity by the original creditor wa s XXXX . Th e State of Limitations on this alleged debt, even should it be ours, is Federal statute allows for a creditor to sue up to 7 years after the last payment was made. However, Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note ssince the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : Please let this serve as formal notification that I consider this matter permanently and forever closed and I hereby demand that your firm or any of its affiliates immediate cease and desist from any further contact with me regarding this matter except that I demand from your firm confirm with me, in writing, that your debt collection in reference in the above matter have been immediately terminated or that you or the creditor are taking specific actions permitted by the FDCPA or pursuant to Florida State law. Please be advised that I will consider any further contact of any kind from your firm or its affiliates ( except as to the above mentioned confirmation by your firm that the referenced matter is close d ) t o be in direct violation of the FDCPA, and that any such further contact from your firm or its affiliates will also be considered a violation of the laws of the State of Florida pursuant to debt collection. As such, please be further advised that any future communication ( whether written, oral, electronic or otherwise ) by your firm or its affiliates will in fact be reported toe State of Florida Attorney General and the Federal Trade Commission. As I am sure you are aware, violation of the FDCPA may result in among other things your firm being fined up to {$1000.00} per incident. After thoroughly researching this matter, it is obvious to me that I do not owe what you firm claim I owe. In fact, I emphatically dispute this alleged " debt ''. As I am aware of my right under the Fair Debt Collection Act ( hereinafter " FDCPA '' ) as well as Florida law on the subject of debt collection, not only do I dispute the validity of this debt, but by copy this letter to the Florida State Attorney General. I hereby request that its good office verify the statute of limitations for enforcing this type of debt through the courts of the State of Florida, in fact expired. Should you decide to pursue this matter in a court of competent jurisdiction within the State of Florida or otherwise. I fully intend to inform such court of my dispute as well as presumed finding by the State of Florida Attorney General that its statute of limitation has indeed, expired. According to the information given to us by your firm, the date of last activity by the original creditor was XXXX . The State of Limitations on this alleged debt, even should it be ours, is Federal statute allows for a creditor to sue up to 7 years after the last payment was made. However, Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. Please be guided accordingly, Florida Statutes 95.11Limitations other than for the recovery of real property.Actions other than for recovery of real property shall be commenced as follows [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) The legal status of the alleged debt And ( B ) Any services rendered or compensation, which may be lawfully received by any debt collector for the collection of a debt. I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA, I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies, which may include lawsuits, and notifying our state attorney general is office. In addition, I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. Sincerely, SECTION 11 L imitations other than for the recovery of real property. 95.11Limitations ot her than for the recovery of real property.Actions other than for recovery of real property shall be commenced as follows : ( 1 ) WITHIN TWENTY YEARS.an action on a judgment or decree of a court of record in this state. ( 2 ) WITHIN FIVE YEARS. ( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. ( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss . 255.05 ( 10 ) and 713.23 ( 1 ) ( e ). ( c ) An actio n to foreclose a mortgage. ( d ) An action alleging a willful violation of s. 448.110. ( 3 ) WITHIN FOUR YE ARS. ( a ) An action founded on negligence. ( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority. ( c ) An acti on founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest. ( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or because of, his or her public office or employment. ( e ) An ac tion for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures. ( f ) An action founded on a statutory liability. ( G ) An ac tion for trespass on real property. ( H ) An action for taking, detaining, or injuring personal property. ( I ) a n action to recover specific personal property. ( j ) A legal or equitable action founded on fraud. ( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts. ( L ) An action to rescind a contract. ( m ) An action for money paid to any governmental authority by mistake or inadvertence. ( n ) An action for a statutory penalty or forfeiture. ( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ) , and ( 7 ). ( p ) Any action not specifically provided for in these statutes. ( q ) An action alleging a violation, other than a willful violation, of s. 448.110. ( 4 ) WITHIN TWO YEARS. ( a ) An action for professional malpractice, other than medical malpractice, whether founded on contract or tort ; provided that the period of limitations shall run from the time the cause of action is discovered or should have been discovered with the exercise of due diligence. However, the limitation of actions herein for professional malpractice shall be limited to persons in privity with the professional. ( b ) An action for medical malpractice shall be commenced within 2 years from the time the incident giving rise to the action occurred or within 2 years from the time the incident is discovered, or should have been discovered with the exercise of due diligence ; however, in no event shall the action be commenced later than 4 years from the date of the incident or occurrence out of which the cause of action accrued, except that this 4-year p eriod shall not bar an action brought on behalf of a minor on or before the childs XXXX birthday. An action for medical malpractice is defined as a claim in tort or in contract for damages because of the death, inju ry, or monetary loss to any person arising out of any medical, dental, or surgical diagnosis, treatment, or care by any provider of health care. The limitation of actions within this subsection shall be limited to the health care provider and persons in privity with the provider of health care. In those actions covered by this paragraph in which it can be shown that fraud, concealment, or intentional misrepresentation of fact prevented the discovery of the injury the period of limitations is extended forward 2 years from the time that the injury is discovered or should have been discovered with the exercise of due diligence, but in no event to exceed 7 years from the date the incident giving rise to the injury occurred, except that t his 7-year period shall not bar an action brought on behalf of a minor on or before the child s XXXX birthd ay. This paragraph shall not apply to actions for which s s. 766.301-766.316 pr ovide the exclusive remedy. ( c ) An a ction to recover wages, overtime, damages, or penalties concerning payment of wages and overtime. ( D ) An a ction for wrongful death. ( e ) An ac tion founded upon a violation of any provision of chapter 517, with the period running from the time the facts giving rise to the cause of action were discovered or should have been discovered with the exercise of due diligence, but not more than 5 years from the date such violation occurred. ( f ) An action for personal injury caused by contact with or exposure to phenoxy herbicides while serving either as a civilian or as a member of th e Armed Forces of the United States during the period XX/XX/XXXX , through XX/XX/XXXX ; the period of limitations shall run from the time the cause of action is discovered or should have been discovered with the exercise of due diligence. ( G ) An action for libel or slander. ( 5 ) WITHIN ONE YEAR. ( a ) An action for specific performance of a contract. ( B ) An action to enforce an equitable lien arising from the furnishing of labor, services, or material for the improvement of real property. ( c ) An action to enforce rights under the Uniform Commercial CodeLetters o f Credit, chapter 675. ( d ) An action against any guaranty association and its insured, with the period running from the date of the deadline for filing claims in the order of liquidation. ( e ) An action to enforce any claim against a payment bond on which the principal is a contractor, subcontractor, or sub-subcontractor as defined in s. 713.01, for pr ivate work as well as public work, from the last furnishing of labor, services, or materials or from the last furnishing of labor, services, or materials by the contractor if the contractor is the p rincipal on a bond on the same construction project, whichever is later. ( f ) Except for actions described in subsection ( 8 ), a petition for extraordinary writ, other than a petition challenging a criminal conviction, filed by or on behalf of a prisoner as defined in s. 57.085. ( g ) Except for actions described in subsection ( 8 ), an action brought by or on behalf of a prisoner, as defined in s. 57.085, relating to the conditions of the prisoners confinement. ( 6 ) LACHES.Laches shall bar any action unless it is commenced within the time provided for legal actions concerning the same subject matter regardless of lack of knowledge by the person sought to be held liable that the person alleging liability would assert his or her rights and whether the person sought to be held liable is injured or prejudiced by the delay. This subsection shall not affect application of laches at an earlier time in accordance with law. ( 7 ) F OR INTENTIONAL TORTS BASED ON ABUSE.An a ction founded on alleged abuse, as defined in s. 39.01, s. 415.102, or s. 984.03, or incest, as defined in s. 826.04, may be commenced at any time within 7 years after the age of majority, or within 4 years after the injured person leaves the dependency of the abuser, or within 4 years from the time of discovery by the injured party of both the injury and the causal relationship between the injury and the abuse, whichever occurs later. ( 8 ) WITHIN 30 DAYS FOR ACTIONS CHALLENGING CORRECTIONAL DISCIPLINARY PROCEEDINGS.Any court action challenging prisoner disciplinary proceedings conducted by the Departmen t of Corrections pursuant t o s. 944.28 ( 2 ) must be commenced within 30 days after final disposition of the prisoner disciplinary proceedings through the administrative grievance process under chapter XXXX , Florida Administrative Code. Any action challenging prisoner disciplinary proceedings shall be barred by the court unless it is commenced within the time period provided by this section. ( 9 ) XXXX XXXX OFFENSES ON VICTIMS UNDER AGE XXXX .An action related to an act constituting a violation o f s. 794.011 involving a victim who was under the age of XXXX at the time of the act may be commenced at any time. This subsection applies to any such action other than one which would have been time barred on or before XX/XX/XXXX . 1 ( 10 ) FOR INTENTIONAL TORTS RESULTING IN DEATH FROM ACTS DESCRIBED IN S. 782.04 OR S. 782.07.Notwithstanding paragraph ( 4 ) ( d ), an action for wrongful death seeking d amages authorized und er s. 768.21 br ought against a natural person for an intentional tort resulting in death from acts described in s. 782.04 or s. 782.07 may b e commenced at any time. This subsection shall not be construed to require an arrest, the filing of formal criminal charges, or a conviction for a violation of s . 782.04 or s. 782.07 a s a condition for filing a civil action. History.s . 10, ch. 1869, 1872 ; s. 1, ch. 3900, 1889 ; RS 1294 ; GS 1725 ; s. 10, ch. 7838, 1919 ; RGS 2939 ; CGL 4663 ; s. 1, ch. 21892, 1943 ; s. 7, ch. 24337, 1947 ; s. 24, ch. 57-1 ; s. 1, ch. 59-188 ; s. 1, ch. 67-284 ; s. 1, ch. 71-254 ; s. 30, ch. 73-333 ; s. 7, ch. 74-382 ; s. 7, ch. 75-9 ; s. 1, ch. 77-174 ; s. 11, ch. 78-435 ; s. 1, ch. 80-322 ; s. 34, ch. 83-38 ; s. 1, ch. 84-13 ; s. 1, ch. 85-63 ; s. 139, ch. 86-220 ; s. 1, ch. 86-231 ; s. 1, ch. 86-272 ; s. 1, ch. 88-397 ; s. 20, ch. 90-109 ; s. 1, ch. 92-102 ; s. 520, ch. 95-147 ; s. 2, ch. 95-283 ; s. 4, ch. 96-106 ; s. 1, ch. 96-167 ; s. 15, ch. 98-280 ; s. 2, ch. 99-5 ; s. 12, ch. 99-137 ; s. 2, ch. 2001-211 ; s. 15, ch. 2005-230 ; s. 1, ch. 2005-353 ; s. 1, ch. 2006-145 ; s. 2, ch. 2010-45 ; s. 1, ch. 2010-54. 1Note.Section 3, ch. 2010-45, provides that [ t ] he amendment to section 95.11, Florida Statutes, by this ac t applies to any claim that is not otherwise time barred on the effective date of this act.
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03/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX/ ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
On XX/XX/XXXX XXXX received my dispute letter as shown on Exhibit A. XXXX results show the accounts as verified and accurate. This has been my 5th Dispute for the credit lines below. In the letter I also wrote Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Thank you in advance. I was exercising my rights per FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute which was not afforded to me. My right was violated as per FCRA 611 ( a ) ( 8 ) these accounts should be promptly deleted and I should receive a phone call or have written confirmation.
I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with the creditor. Please include all names and contact information of employees that you spoke to as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.
I was asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
These accounts are adversely affecting my credit and/or consumer reports and costing me thousands of dollars in interest every year. After your investigation of these accounts and after verifying that all account information is accurate I have found that your investigation was not done correctly. I want the description of the procedure used to determine the accuracy and completeness of the information of the accounts listed below.
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
The accounts and erroneous items are listed below : XXXX ACCT # XXXX Address Identification number : not available. This account does not have the correct address. This account does not belong to me. This is inaccurate reporting please Remove the account immediately. As shown in Exhibit B.
On Record until. It is not reporting correctly for all three bureaus. This is inaccurate reporting please delete the account. This is re-aging of accounts. As shown in Exhibit D.
Status. Shows a past due balance that increases monthly with a scheduled payment amount showing {$0.00} amount every month. This is inaccurate reporting please delete the account. As shown in Exhibit C.
Account History. Has missing data from XX/XX/XXXX ( date opened ) to XX/XX/XXXX. Does not show 30, 60, 90, 120, 150, and/or 180 days late. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As shown in Exhibit E.
Does not show date of last payment, therefore the information is incomplete.This is inaccurate reporting please Remove the account immediately.
Does not show date of 1st delinquency, therefore the information is incomplete.This is inaccurate reporting please Remove the account immediately.
A Collection/ Charge off account is by default late and past due. By adding a past due balance and past due on the remarks/status section is inaccurate reporting please Remove the account immediately.
Balance History. Shows no data for payment received, scheduled payment, and actual payment amount. This is incomplete and inaccurate reporting please Remove the account immediately. As shown in Exhibit B.
Company Sold. This account was sold/transferred to XXXX XXXX XXXX XXXX XXXX This is incomplete and inaccurate reporting please Remove the account immediately. As Shown in Exhibit E.
Original Creditor. No Data. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit E.
Date closed. No Data. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit G.
Last Payment. No Data. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit G.
Days Late - 7 year History. 0 days late 30, 0 days late 60, 0 days, 90. It can not be charged off if the account has never been late. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit G.
XXXX XXXX XXXX ACCT # XXXX Address Identification number : not available. This account does not have the correct address. This account does not belong to me. This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit H.
Account History. This shows that this account is closed in XX/XX/XXXX to XX/XX/XXXX. Reopened and 30 days late in XXXX and 60 days late in XXXX then back to closed on XXXX and XXXX of XXXX. A closed account is no longer a revolving credit account which can not be late. This means anything after XX/XX/XXXX would have had to be late to begin with. This is inaccurate reporting, It is not reporting correctly for all three bureaus, please Remove the account immediately. As Shown in Exhibit H.
Closed Date. No data.The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit I.
Recent Payment Amount. Not Reported.The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit H.
Recent Balance. Not Reported. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit H.
XXXX XXXX ACCT # XXXX 30 day late in XX/XX/XXXX was due to failure to receive my periodic statement. As per 12 CFR 1026.41 ( b ) Timing of the periodic statement. The periodic statement must be delivered or placed in the mail within a reasonably prompt time after the payment due date or the end of any courtesy period provided for the previous billing cycle.
I never received this periodic statement. If XXXX has proof such as certified mail that this was indeed sent, delivered and received ; otherwise this is inaccurate reporting and this late payment should be removed immediately. If there is any proof, it should be provided under this investigation for the consumer to review. As Shown in Exhibit J.
30 days late in XX/XX/XXXX is inaccurate reporting. As per FCRA 623 ( a ) ( 1 ) ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. This account was in forbearance falling under accommodations as per Regulation Z definitions and the consumer brought this account current. This should report as current as per this law. As Shown in Exhibit J.
( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term " accommodation '' includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Payment History. No Data for XX/XX/XXXX to XX/XX/XXXX. No Data for XX/XX/XXXX. No Data for XXXX to XX/XX/XXXX. No Data for XXXX to XX/XX/XXXX. No Data for XXXX to XX/XX/XXXX. The information is incomplete.This is inaccurate reporting please update the account immediately. As Shown in Exhibit J.
XXXX. XXXX ACCT # XXXX Consumer called Furnisher/Creditor on Saturday XX/XX/XXXX at XXXXXXXX XXXX EST and spoke with a banking agent/Specialist named XXXX and asked for a Late Fee waiver for late fee issued in XX/XX/XXXX. The late fee was waived for this XX/XX/XXXX and credited on the next months billing statement. This is considered an accommodation as per FCRA 623 ( a ) ( 1 ) ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. This should report as current as per this law. As shown on Exhibit K.
( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term " accommodation '' includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
30 day late in XXXX and XX/XX/XXXX was due to failure to receive the periodic statement. As per 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ( A ) the furnisher/creditor/card issuer does not treat as late for any purpose. If XXXX has proof such as certified mail that this was indeed sent, delivered and received ; otherwise this is inaccurate reporting and this late payment should be removed immediately. If there is any proof, it should be provided under this investigation for the consumer to review. As shown on Exhibit K.
( A ) Credit card accounts under an open-end ( not home-secured ) consumer credit plan. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, a card issuer must adopt reasonable procedures designed to ensure that : ( 1 ) Periodic statements are mailed or delivered at least 21 days prior to the payment due date disclosed on the statement pursuant to 1026.7 ( b ) ( 11 ) ( i ) ( A ) ; and ( 2 ) The card issuer does not treat as late for any purpose a required minimum periodic payment received by the card issuer within 21 days after mailing or delivery of the periodic statement disclosing the due date for that payment.
Payment History. XXXX shows 3 late payments. XXXX shows 2 late payments. Equifax shows 2 late payments. This is inaccurate reporting please Remove the late payments immediately and show as current. As shown on Exhibit L.
As per FCRA 623.Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
As per FCRA 611 ( a ) ( 1 ) ( A ) If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
On XX/XX/XXXX, I mailed you a letter on XX/XX/XXXX disputing information in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following : XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX Per XXXX records, you received my dispute letter on XX/XX/XXXX.
Accordingly, as per FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date you received my dispute letter. You received my dispute letter on XX/XX/XXXX. Therefore your response was due on or by XX/XX/XXXX. Instead of sending me a response letter with tresults of your investigation of the disputed information, you mailed me a letter dated claiming Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary.
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. However your excuse of assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous and irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX
As a result of your conduct as described above you shall promptly delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. Be advised, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. As per your response the accounts were verified to be accurate. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.
After multiple attempts to dispute this experian, XXXX, and equifax have failed to properly do a good faith attempt at a proper investigation. the tradeline and/or data furnisher and/or creditor have also failed to provide correct data to the consumer reporting agencies.
I would like to know who each of the consumer reporting agencies spoke to in their investigation?
How did each consumer reporting agency complete the investigation?
How did each consumer reporting agency reach a conclusion and figure their results in their investigation?
According to the credit/ consumer reporting agencies the accounts have been verified and accurate but they have reached these results by only parroting information they have received from the data furnishers.
I would like to have all documents that aided the consumer reporting agency to reach a conclusion on their investigation.
According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
in my last dispute I disputed all the accounts listed above and XXXX has failed to place all those accounts under dispute and has failed to provide results in more than 30 days.
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07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Complaint against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Equifax, and XXXX : Investigation by XXXX XXXX XXXX XXXX took more than 30 days from my opening of a direct dispute on XX/XX/XXXX.
Investigation by XXXX XXXX XXXX XXXX took more than 30 days from XX/XX/XXXX, XXXX Credit bureaus did not update reports during these periods stating that the information was being disputed with XXXX perhaps XXXX violated FCRA by failing to contact the credit bureaus to inform them of these disputes. Credit reports were not provided to me during these periods.
I was not notified timely of investigation status or results.
I was not provided with any names of people contacted and other elements, etc. connected to these investigations per the FCRA 's definition and requirements of an investigation.
Their investigation did not fix the many inaccuracies that I pointed out to them on my report, which they have inaccurately reported for years. Please see the emails from two XXXX executives and their remarks acknowledging the inaccuracies ; the timeframe ( longer than 30 days - months even ) that has passed and yet no removals have been made per FCRA.
I've had difficulty submitting disputes or getting information about a dispute over the phone with credit bureaus.
I realized during the summer of the pandemic that my XXXX credit card account had some serious inaccuracies and reporting issues. I then realized the reason for my credit denials and high interest rates for any credit that I could obtain since XXXX and high insurance premiums. For almost two years, I have disputed inaccuracies across the XXXX bureaus and directly with XXXX XXXX XXXX XXXX for my credit card account ending in XXXX. There have been instances where they suppressed my credit report so that I could not see the years in question whenever I pulled the reports, therefore I could not resubmit a dispute because there was no item listed to dispute. There are many violations per FCRA on this account due to it not being reported 100 % accurately. It has been happening for years and they willfully refuse to do anything about it. The bureaus have stated that they report the data that XXXX supplies to them. There have been times where there were different balances reporting at the XXXX bureaus and I had to dispute those to have them all updated. There have been different account statuses over the years where one would say " pays as agreed '' and another would say " Late over 30 days at least 6 times '' or " Current, was 90 days past due '' during the same reporting period. The date account opened and date account closed do not match on the 3 bureau reports either. Each time I have disputed the account with the bureaus and with XXXX directly, they send back the same response, that the account is reporting accurately. If the account is reporting 100 % accurately, why are all of the account statuses, date opened, date closed, amount of days late, amount of times late, etc. reported differently with all XXXX bureaus? I have submitted copies of my credit reports from the XXXX bureaus and a table showing the inaccuracies to the bureaus and XXXX and they still say that this is 100 % accurate and have willfully chosen to keep the information the same. My credit and opportunity for any new credit has been ruined due to this one account. In XX/XX/XXXX, I received a subprime auto loan due to these inaccuracies and the reporting of this account. I have had to pay astronomical interest for this car loan due to the inaccuracies and the way in which this account is reporting. I am certain that my car insurance rates were even higher due to this as well.
XXXX has instructed the customer service representatives via notes in the system that they are to refer me to the executive team for this matter and they can no longer work on this case or give me updates as it is out of their hands on the lower level. Customer service reps have told me all that they see in the system is a note that says the items will be deleted, but there is nothing they can do because it is an escalated item. The thing is, none of the executives are available by phone ; they are avoidant, delay the process, dishonest, not engaging and not interested in resolving this matter. I have emailed the CEO of XXXX and he promised me that they would submit an Automated XXXX XXXX to the credit bureaus in XX/XX/XXXX to resolve the matter. It is XX/XX/XXXX and nothing has changed except the bureaus have made unauthorized alterations and modifications. I have been rerouted to another XXXX XXXX, XXXX XXXX and he is always out of the office, on another call, on vacation, or awaiting someone else in the department to give him an opinion when he is the decision maker. He told me over the phone that he could bring remedy to this when there were damages that were discovered. He clearly sees them via the credit reports and charts that I compiled and sent to him via email and the CEO does as well, but they refuse to resolve it and compensate me for the violations. Over the years, I have been denied credit by XXXX and other creditors because of this account. On XX/XX/XXXX, I called XXXX and Equifax because XXXX bank told me that they could not increase an existing tradeline for me because there was a note on the XXXX account stating that I was late. I was not late and had not been, and could not see that note on my personal consumer reports. Subsequently, XXXX Bank closed down the account which was in perfect standing with excellent payment history. On XX/XX/XXXX, XXXX denied me for a personal loan due to this account which is housed with them. However, they are always emailing and mailing me advertisements as if the opportunities are open to me.
After several disputes and calls, and being told by XXXX and the 3 bureaus that the account was 100 % accurate I filed another dispute directly with XXXX via email to XXXX on XX/XX/XXXX. ( attachment ) I told them that they could not do a hard or soft pull on my credit to check the data, as they should have an accurate record and archive of what they have reported to the bureaus on file.
Despite me sending an outline of the inaccuracies and violations attached to the email, on XX/XX/XXXX ( 45 days later ) I received a response letter via postal mail that said the account was accurate and they will continue to report it as-is. I'd compiled a chart to make it easier for them to see where the inaccuracies lie, hoping this would make the process go better and faster. If they were reporting 100 % accurately as they continue to state, why do each of the bureaus have different information and why does none of the information match for the months/years, statuses, and dates in question? ( response letter attachment ) Also, XXXX did not notify the bureaus that I was disputing the information that they continued to report during this time. I received no correspondence from the bureaus regarding the matter, and no copies of my credit report during this period. No notices were included, stating that I was disputing this information.
In XX/XX/XXXX, I emailed the CEO of XXXX, XXXX XXXX. I explained the situation to him since no one else in the institution would budge and any supervisor who was in the credit department was always unavailable according to customer service. His response was boilerplate as well ; stating that they must report accurate information by law. That was my point exactly ; they were not following the law with all of those inaccuracies. He told me that they could not honor my request at the time and that they'd done a soft pull on my credit and saw no inconsistencies in reporting. I specifically wrote them via email in XX/XX/XXXX, and told them that they did not have my permission to do a hard or soft inquiry on my credit report, yet he claims that they did it anyway -- against my written instructions telling them not to.
I filed another dispute with the bureaus and I received responses from them at the end of XX/XX/XXXX, stating the same ; the creditor says the information is accurate. ( credit reports attached ) I noticed that Equifax made modifications to the payment history after I disputed this time, yet they did not remove it from the file ; they reduced the amount of time on each occurrence as if they were doing me a favor, which is again, still inaccurate data! You will see on my chart and previous credit reports before the XX/XX/XXXX dispute results, that Equifax was reporting a certain amount of days prior to the XX/XX/XXXX dispute, and on the XX/XX/XXXX dispute results they modified the time under the " Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports. Still, none of the data matches what the other bureaus have for this account for those same months/years. I was confused as to why they did this.
I called XXXX to follow up and continue to fight for my rights on XX/XX/XXXX. I spoke with XXXX. The Case # was XXXX. I was given the extension to the credit dispute department which I was told was XXXX at the time.
XXXX XXXX emailed me back on XX/XX/XXXX and stated that on XX/XX/XXXX, the automated universal dataform was submitted to the bureaus. XXXX submitted an automated universal dataform to all XXXX bureaus to fix the matter. ( email thread attachment ) On or around XX/XX/XXXX, I called XXXX at XXXX XXXX. and after 47 minutes, the representative came back on the line and told me that they were awaiting a confirmation letter from the credit bureaus that the XXXX and XXXX items had been deleted from my report and that I'd receive a letter after that. This was 3 months after the CEO of XXXX told me in XXXX that it would only take 30 days for the process. When I contacted the bureaus, they said that they had not received anything from XXXX except normal data like my payment updates whenever I made monthly payments, and if they had received anything additional, they would have updated the account accordingly.
XXXX reps have given me various case numbers over time after time including : XXXX ( XX/XX/XXXX ), XXXX ( XXXX XXXX, XXXX ), XXXX ( XX/XX/XXXX ).
I received a letter in the mail dated XX/XX/XXXX stating that the new case that was opened by a XXXX representative was closed due to the issue already being completed, however I had no clue as to what issue had been completed! Nothing had been completed or resolved. I'd received no written correspondence or update from XXXX although the XXXX promised in XXXX that I would within 30 days from the date they'd submitted the AUD to the bureaus.
After receiving the letter stating the issue had been resolved, on XX/XX/XXXX, I pulled my credit reports and XXXX was reporting 8 late payments, had changed all of the " number of days late '' data and reduced all instances to 30 days, changed the status to " Current, was past due 30 days six times or more '' and the status date was still XX/XX/XXXX, but the payment date for that month was reported as XX/XX/XXXX. XXXX deleted 4 of the inaccuracies and kept 4, and the status read as " Paid, or pays as agreed '' yet the number of days for the instances that they continued to report did not match XXXX 's data reporting or status. I am not certain what process they used to choose which 4 to delete and which 4 to keep. The year XXXX was suppressed on XXXX 's XX/XX/XXXX report and I could not view this data. The same thing for Equifax, 4 instances were deleted and 4 were kept and they were not the same month or amount of days that XXXX was reporting chose ; none of the account information matched. The year XXXX was also suppressed in this report. Both statuses read the same, " pays account as agreed '' and the status updated date was XX/XX/XXXX. After I expressed that I felt I was being discriminated against, Equifax and/or XXXX even removed the excellent payment history that I had on a XXXX Installment account that was opened in XX/XX/XXXX. When I called them and questioned why they'd removed my payment history from the XXXX installment account, they told me that XXXX could do it if they wanted to. To sum it up, XXXX and the XXXX bureaus did not notify me about these changes. I received no correspondences by mail, no copies of my credit reports, no communication whatsoever. I only knew because I monitor my reports on a consistent basis. The letter that I received on XX/XX/XXXX and these data changes prompted me to call XXXX the next day.
On XX/XX/XXXX, I called XXXX and spoke with a representative regarding the letter that I'd received, which stated that the " issue '' had been resolved. I thought that they'd finally resolved the matter like they promised, but to my suprise my credit reports remained the same after this - not reporting 100 % accurate and with so many inaccuracies, violations, and modifications on this XXXX account. They told me I had to continue waiting and it was an XXXX issue now.
On XX/XX/XXXX, I spoke with XXXX 's dispute department and they claimed that they would remove the late payment reporting due to the inaccuracies reporting on the account across the bureaus for XXXX and XXXX, and instead they deleted my entire account - erasing all of the excellent payment history, eliminating an account as well which decreased my credit score and history. On XX/XX/XXXX, I spoke with XXXX at or around XXXX XXXX, inquiring as to why they deleted the entire account as opposed to the inaccuracies only and they stated that I must submit a letter of verification that the XXXX account belongs to me and that it is accurate! They clearly never asked my permission to report it from the beginning, but now since I've asked them to right their wrong-doing, and challenged their modifications, lack of investigation and refusal to take my evidence as proof of the FCRA violations XXXX they punished me by deleting an account that I've worked so hard to maintain rather than just fix the inaccuracies.
Here 's where XXXX 's major problem XXXX be. In XXXX, I recall XXXX offered me a " re-aging '' program. They told me that they would re-age the account and that re-aging would not hurt my credit. I have done that, but they did not tell the truth. I have paid this closed {$17000.00} tradeline account down to {$2200.00} in less than 4 years and they have done nothing but ruin my credit and my life since then, and the bureaus have helped them to keep this up by reporting the inaccuracies. They closed the tradeline, did not report the account 100 % accurately, denied me credit and other creditors denied me credit due to this account, and the notes and various statuses that they added to the account over the years. It has been over 6 months since the CEO of XXXX promised me that the AUD would go out to the bureaus to make this account 100 % accurate and that has not happened as the email thread will and credit reports will show.
They have had well over a year to resolve the issue. Attached, you will see credit reports and a chart that show the side by side 3-bureau comparison of original data reporting and violations. You will also see email correspondences between XXXX departments/executives and me, and you will see current reports that show that they have not resolved this matter and the inaccuracies and FCRA violations are still there. When I have complained numerous times to XXXX and Equifax and opened disputes over the phone, I did not receive a credit report by mail or in any other form. Whenever I called to check the status, I was told that there was no dispute on file. They were using this method to start the 30-day process over again and delay time. I also noticed all of my disputes that have been filed online are missing from the online archives portal in my account. They suppressed my reports and I can only view 2 or 3 years which all show excellent payment history, but a creditor can view every year reported beyond those years and I can not ; nor can I dispute that information if it is not listed. I had to view the reports on XXXX which sometimes I'd get a message saying I could not view the reports at this time. I was finally able to submit a dispute and get a response in XX/XX/XXXX which I spoke of previously.
Equifax now reports a status that says that I have XXXX late payments on myequifax.com, but when I scroll back through the years, all of the inaccuracies from XXXX are still there. When I pulled my current XX/XX/XXXX Equifax report from myannualcreditreport.com, I can see all of the inaccuracies are still reporting and do not match the other bureaus. Previously, they'd deleted 4 payments and kept 4 on the report. Now all 8 are showing again and still do not match the information reported by the other bureaus during this reporting period. Additionally, my XXXX installment account which had excellent payment history was wiped clean of all payment history. They deleted all of my payments and the installment account was never late, was paid off early in XXXX and had nothing to do with this situation. If they must report information accurately, how can they tamper with a positive account with excellent history that was paid and closed 5 years ago and has nothing to do with the situation ; yet refuse to fix the account that is being disputed and has inaccuracies? That is another violation of my rights and FCRA. I want to be compensated for those violations as well, for every payment that is missing from the XXXX installment account, which is dated from XX/XX/XXXX- XX/XX/XXXX. This was done intentionally after I mentioned discrimination over the phone. XXXX and XXXX are still reporting the payments, however some of them are missing as well when they were not before.
XXXX remains the same, reporting inaccurate information. XXXX deleted the entire account based upon the credit reports and chart that I submitted for the second time, affecting my credit score because I lost an XXXX XXXX XXXX account and its history which affected my scoring calculations. All of the bureaus and XXXX have willfully violated the Fair Credit Reporting Act for years, have violated my rights, caused financial loss and detriment. I am still dealing with the effects of it to this day with a subprime auto loan and high insurance premium ; let 's not forget the numerous times I was denied credit opportunities when I, my family and business needed it.
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05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I told Equifax Information Services LLC to investigate every piece of information on the accounts I have listed below.
Equifax Information Services LLC responded via a copy machine generated illegal ( CREDIT FILE DOCUMENT # XXXX ). I will include images of letter.
This ( CREDIT FILE DOCUMENT # XXXX ) has violated my federally protected consumer rights under the FRCA 15 USC 1681. has violated my rights Equifax Information Services LLC XXXX ( CREDIT FILE DOCUMENT # XXXX ). has violated my federally protected consumer rights under 15 U.S.C 1681 section 602 A. has violated my rights The accounts below have been removed and re adding back on my person credit MULTIPLE times, proven none of these accounts listed below has been properly verified and 100 % accurate.
In accordance with the Fair Credit Reporting act.
Equifax Information Services LLC has violated my federally protected consumer rights under the FRCA 15 USC 1681. has violated my rights Equifax Information Services LLC has violated my federally protected consumer rights under 15 U.S.C 1681 section 602 A. has violated my rights Equifax Information Services LLC has violated my federally protected consumer rights15 U.S.C 1681 Section 604 A Section 2 : has violated my rights XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under 15 U.S. Code 1681i ( g ) ( A ). has violated my rights XXXX Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under 15 U.S.C 1681 Section 604 A Section 2. has violated my rights 1.Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of noticeA notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) ContentsAs part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolutionIf a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In generalThe Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilitiesEach consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a disputeIf a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( 3 ) Responsibility of consumer reporting agency to notify consumer through resellerUpon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).
( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
XXXX Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of names below has violated my federally protected consumer rights under15 U.S.C 1681 section 602 A. has violated my rights Equifax Information Services LLC has violated my federal protected rights in accordance with the Fair Credit Reporting Act
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07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. If a consumer contacts any consumer reporting agency that is not described in section 1681a ( p ) of this title to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 1681a ( p ) of this title to obtain more detailed information and request alerts under this section. account name ; XXXX account number XXXX account name ; XXXX account number ; XXXX account name ; XXXX XXXX account number ; XXXX account name ; XXXX XXXX account number ; XXXX these comanies are in clear violation of my consumer rights ia i am federaly protected the the FCRA AND THE CFP15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. ( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ). ( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. ( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection
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03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX FKA XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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10/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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15usc i1681i YOUR COMPLAINT I AM NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE XXXX XXXX XXXX XXXXXXXX Late Last Updated : XX/XX/XXXX Credit Usage You're currently using 164 % of your credit limit. 30 % ( Stay below ) 164 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. Payment Information Payment Status Late 90 Days Past Due Amount {$470.00} Highest Balance {$1700.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX {$1600.00} XXXX XXXX 15 U.S. Code XXXX - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) XXXX reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than XXXX business days after making the deletion.
( b ) XXXXtatement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).
( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
( g ) Dispute process for veterans medical debt ( 1 ) In general With respect to a veterans medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department XXXX XXXX XXXX for payment of that debt, or documentation that the Department XXXX XXXX XXXX is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran.
( XXXX ) Notification to veteran The Department XXXX XXXX XXXX XXXX submit to a veteran a notice that the Department XXXX XXXX XXXX has assumed liability for part or all of a veterans medical debt.
( XXXX ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I told the credit bureaus to investigate every piece of information on the accounts I have listed below.
The credit bureaus stated my accounts was verified but how is that possible if they did not do improper investigation according to the law.
Also every piece of information on these accounts are still not reporting 100 % Accurate. These accounts below have been removed and re adding back on my person credit MULTIPLE times, proven none of these accounts listed below has been properly verified and 100 % accurate.
In accordance with the Fair Credit Reporting act.
The List of accounts below has violated my federally protected consumer rights under the FRCA 15 USC 1681. has violated my rights The List of accounts below has violated my federally protected consumer rights under 15 U.S.C 1681 section 602 A. has violated my rights The List of accounts below has violated my federally protected consumer rights15 U.S.C 1681 Section 604 A Section 2 : has violated my rights 1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX And Associates Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under XXXX XXXX XXXX XXXX ( g ) ( A ). has violated my rights XXXX Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under 15 U.S.C 1681 Section 604 A Section 2. has violated my rights 1.Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of noticeA notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) ContentsAs part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolutionIf a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In generalThe Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilitiesEach consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a disputeIf a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( XXXX ) Responsibility of consumer reporting agency to notify consumer through resellerUpon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).
( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
1.Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of names below has violated my federally protected consumer rights under15 U.S.C 1681 section 602 A. has violated my rights Equifax Information Services LLC, XXXX XXXX, XXXX XXXX XXXX XXXX I was NEVER informed by the credit bureaus that my personal information had been stolen due to MULTIPLE BREACHES OF SECURITY within the credit bureaus.
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06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX2023 The credit bureaus stated account XXXX XXXX XXXX # XXXX, XXXX Acct # XXXX, XXXX XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct #, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX Account # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX but how is that possible if the account date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is ground for removal. They also violated my rights under 15 USC 1681 Section 604A 2. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given my accounts According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Equifax has violated my right to privacy. ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. ( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ). ( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. ( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection. ( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection. ( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section. ( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices. ( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ). ( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly. ( g ) Dispute process for veterans medical debt ( 1 ) In general With respect to a veterans medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran. ( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veterans medical debt. ( 3 ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion. ( Pub. L. 90321, title VI, 611, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1132 ; amended Pub. L. 104208, div. A, title II, 2409, Sept. 30, 1996, 110 Stat. 3009439 ; Pub. L. 105347, 6 ( 5 ), Nov. 2, 1998, 112 Stat. 3211 ; Pub. L. 108159, title III, 313 ( a ), 314 ( a ), 316, 317, Dec. 4, 2003, 117 Stat. 19941996, 1998 ; Pub. L. 111203, title X, 1088 ( a ) ( 2 ) ( C ), ( 6 ), July 21, 2010, 124 Stat. 2087 ; Pub. L. 115174, title III, 302 ( b ) ( 3 ), May 24, 2018, 132 Stat. 1333. )
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05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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They are reporting negative or late payments. All 3 credit bureaus including XXXX XXXX showing my credit line amounts. Skip to content XXXX XXXX XXXX XXXX XXXX Login In Search XXXX Call Today : ( XXXX ) XXXX Fair Credit Reporting Act : Common Violations and Your Rights Updated : XX/XX/XXXX | XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How to Increase Credit Score Fair Credit Reporting Act : Common Violations and Your Rights A consumers financial future can rise and fall on whats in their credit report so keeping a close eye on the contents should be important to everyone. Credit reports are used to decide who gets a loan, a credit card, a job, or even an apartment to rent, so few things are more crucial than having a credit report free of errors.
Still, credit report errors are made, and the consequences can be devastating. Thats why its vital to look at your credit report at least once a year and make sure all the information in it, is accurate. Federal law allows you to get a free credit report from each of the three major reporting bureaus by signing up at XXXX.
The Fair Credit Reporting Act of 1970 Recognizing the life-altering power of credit information, Congress adopted the Fair Credit Reporting Act ( FCRA ) in 1970 to protect consumers and regulate how credit information is used and disseminated. The law gives consumers the right to know whats in their credit reports and free access to the information credit rating agencies use to assign credit scores.
The FCRA also requires that anyone who denies a person credit, insurance or employment because of what is in their credit report, tell you where they got the information and how to contact the issuer.
The Federal Trade Commission enforces the FCRA. The Dodd-Frank Act transferred most of the rulemaking responsibilities to the Consumer Financial Protection Bureau , but the FTC still retains enforcement authority.
The nations three largest credit reporting agencies Equifax, XXXX and XXXX are required by law to do everything in their power to accurately gather and report consumer information. Together, they keep files on more than 200 million Americans and issue more than three billion reports a year.
Given the volume of information, its inevitable that errors occur. The FCRA gives consumers the means to detect inaccuracies in their reports and file complaints. It also requires reporting agencies to investigate and correct bogus information.
Mistakes are often clerical, but sometimes theyre the result of old information reported as current. XXXX XXXX XXXX XXXXXXXX reported the troubles of a Mississippi woman whose {$40000.00} second-mortgage debt was discharged through a bankruptcy filing in XXXX. But four years later, the debt appeared on her report as unpaid. She tried repeatedly to get the error removed, but it took intervention from Mississippis attorney general to have her report corrected.
Cases like that are common. State attorneys investigate FCRA complaints and many have consumer information on their web pages to let people know what their rights are and the steps to take if they uncover erroneous information.
Common violations of the FCRA include : Failure to update reports after completion of bankruptcy is just one example. Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer.
Creditors give reporting agencies inaccurate financial information about you.
Reporting agencies mixing up one persons information with anothers because of similar ( or same ) name or social security number.
Agencies fail to follow guidelines for handling disputes.
Pulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits.
Failing to send you notifications about your credit report or score in violation of the FCRA.
Reporting agencies providing information to unauthorized persons or businesses.
Not all FCRA actions are the result of errors or poorly maintained files. For example, the XXXX XXXX XXXX reported about a data broker that agreed to pay {$800000.00} in a settlement with the Federal Trade Commission for allegations he illegally sold personal information to human resources, background screening and recruiting companies.
Your Rights Under the Fair Credit Reporting Act If youre turned down for credit or have some other reason to suspect that a credit report might have erroneously damaged you, get the name of the national credit agency that provided the report. A landlord who turned you down for bad credit or a bank that denied you a credit card will tell you which agency issued the report.
Next, contact the agency and request a copy of the report. Keep in mind that if the report contains incorrect information, other agencies could be using the same information in their reports. The agency that provided the information must supply you with its report within 30 days of the denial for free. Otherwise, it can charge a fee to see a report.
If you find inaccurate or outdated information, notify the credit reporting agency in writing, explaining the error and demanding that it be immediately corrected. If the agency investigates and does nothing, and if you are still sure the report contains errors, contact the Federal Trade Commission or the state attorney generals office nearest you.
Its important to know your rights under the Fair Credit Reporting Act : You have a right to know whats in your file. Contact the credit-rating agency that issued a report that was used to deny you credit, housing or employment. Youre entitled to a free report for any of these reasons : Information was used against you ; you are a victim of identity theft and place a fraud alert on your file ; your file contains inaccurate information that resulted from fraud ; youre on public assistance or you have been unemployed but expect to apply for work within 60 days.
If you have been the victim of identity theft, you are entitled to ask businesses for a copy of transaction records relating to the theft of your identity. For example, loan or credit card applications. You also may authorize law enforcement agencies to request the information. Businesses must provide it within 30 days of receiving the request. Some companies are reluctant to release this information claiming it is proprietary information or that they are protecting the consumer. However, the FCRA states that businesses are required to provide applications and business transaction records to help victims document fraudulent charges. The FTC outlines the obligations for businesses here.
You have a right to ask for your credit score. Credit reporting agencies provide these. In some instances, mortgage lenders will tell you your score when you apply for a loan. Also, some credit card issuers now include up-to-date scores in their monthly statements.
You have a right to dispute incomplete or inaccurate information in your report.
Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.
Reporting agencies must not disseminate outdated negative information.
Information in your file is limited to those with a valid need for it.
You must give written consent for credit agencies to send your credit report to employers.
If your rights have been violated under the FCRA, you are entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages.
Fair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report.
Some of the common violations include : Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur?
Reporting a debt as charged off, when it was settled or paid off.
Reporting late payments when your payments were timely.
Reporting old debts as new ones.
Reporting that an account was active after it was voluntarily closed by a consumer.
Failure to report that a debt was discharged in bankruptcy.
Reporting information that is more than XXXX years old ( when XXXX XXXX bankruptcy notices should lapse ) or XXXX years old ( XXXX XXXX bankruptcy ).
Inaccurate statement of balance due.
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Mixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the Jr. and Sr. in similar surnames ).
Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas.
Debt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft.
Privacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity.
Withholding Notices You must be given notice on the reporting, handling and use of your credit information. Violations could include : A creditor failing to notify you when it supplies negative credit information.
A user of credit information ( prospective employer or lender ) failing to notify you of a negative decision based upon your credit report. Or that user of credit information refusing to identify the source of credit information it obtained about you.
A creditor failing to provide your credit score if it was used as part of any credit decision.
A creditor failing to notify you of your right to obtain a free credit report.
Its important to be educated and know your Fair Credit Reporting Act rights.
Recovering Damages for FCRA Violations The information covered under the Fair Credit Reporting Act is so critical to the financial health of an individual that when violations of the FCRA occur, the victim can file suit and collect for damages.
The extent to which a victim can be compensated depends largely on whether the violation was willful or negligent. The parties responsible for possible violations include credit reporting agencies, businesses furnishing the information to credit agencies or someone using information off the credit report to make a decision about a job, or housing.
Willful FCRA Violations These are the more serious violations and more highly compensated because it means the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway.
The types of damages that can be compensated here include : Actual damages. These are damages that can be proved because of harm caused by an action or failure to act by the agency, business or individual. There is no limit to how high an award can be.
Statutory damages. These are damages that dont require proof, but the compensation is limited to somewhere between {$100.00} and {$1000.00}.
Punitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded.
Attorney fees and court costs. You can have the cost of litigating the matter covered if you win your case.
Negligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result.
The types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs.
Frivolous FCRA Lawsuit Penalties Credit reporting bureaus have the right to terminate investigations of violations if the agency determines that the consumers complaint is frivolous or irrelevant.
Typically, this happens when the consumer fails to offer sufficient information to investigate the disputed information.
They also may lose a court case if they filed suit in bad faith or to harass an agency, business or individual. If this happens, the consumer may be required to pay the attorney fees for filing bad faith papers.
Deadlines Here are four key deadlines to remember when dealing with the Fair Credit Reporting Act.
Inaccurate information must be corrected or deleted within 30 days of your dispute ( or up to 45 days if you provide additional information after submitting your written dispute ).
Businesses or other information furnishers must tell you about any negative information reported to the credit bureaus within 30 days.
The statute of limitations for filing a suit is two years after the date you discovered a violation or within five years of the date of the violation.
XXXXXXXX XXXX XXXX The three major credit bureaus are required to provide you with one free copy of your credit report every year, if you request it. You must properly identify yourself, of course. The Web site XXXX is a prime place to obtain your free annual credit report.
In some cases, the credit bureaus also must provide you with another free copy of your credit report if : A business has denied your application or charged a higher interest rate because of information in your credit report.
Youre unemployed and planning to look for a job within the next 60 days.
Youre on welfare.
Youve been a victim of identity theft ( or if your credit report contains inaccurate information because of identity theft ).
Other Credit Reporting Agencies There is much emphasis on the three nationwide consumer reporting companies Equifax, XXXX and XXXX but its useful to know there are other sources of consumer reporting information.
The Consumer Financial Protection Bureau has published a list of other companies that self-identify as consumer reporting agencies. These companies collect information and provide reports to other companies about you in the areas of credit, employment, residential rental housing, insurance and other decision-making situations. Its worth a look to determine which of the companies could be important to you.
This list, while not all-inclusive, has been independently verified by the CFPB.
Meanwhile, here are the best contact numbers for the XXXX nationwide consumer reporting companies : Equifax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Problems with credit reporting bureaus are not unusual. Getting timely corrections on mistakes on your credit report can be difficult, but is worth pursuing.
If you have questions about the credit reporting bureaus and how information is gathered, you should contact a nonprofit credit counseling agency like XXXX and speak with a certified counselor about the problem.
Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | We do not lend money.
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09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure the maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Recently I did an investigation on my credit report which caused severe XXXX and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting 100 % correctly.
Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Ive sent out dispute letters, and they never sent me evidence supporting my dispute to resolve any issues. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original wet signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if I fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.
Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.
The following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? 9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 2. Agreement with your client that grants XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt.
3. Original wet ink Signed agreement Debtor has made with Debt Collector, or another verifiable proof Debtor has a 4. contractual obligation to pay a Debt collector.
5. Any agreement that bears the original wet ink signature of Debtor, wherein agreed to pay Creditor.
6. All statements while this account was open.
7. Have any insurance claims been made by any creditor regarding this account?
O Yes O No 8. Have any Judgements been obtained by any creditor regarding this account?
O Yes O No Please provide me the name and address of the bonding agent for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14., in case legal action becomes necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 15 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
The items below should all be updated to paid as agreed on my consumer report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law, these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
INCLUDING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Pursuant to 15 USC 1611 " THIS REPORTING AGENCY '' is criminally liable Your Registered Agent also received Notice of Pending Litigation and Notice of Default with the opportunity to cure.
RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.
Pursuant to 15 USC 1611, THIS REPORTING AGENCY is criminally liable. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. YOUR REGISTERED AGENT IS SERVED NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
You have no legal standing against me Pursuant 15 U.S. Code 1692i ( b ) ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. I will be filling for a default judgment and entering a class action for violation, stress and mental anguish, and at least 1 % of the company pursuant to TILA 1640 or any other damages pursuant to 1692k This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Pursuant to 15 USC 1611 XXXX, XXXX, is criminally liable 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, but I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Your Registered Agent also received a Notice of Pending Litigation and Notice of Default with an opportunity to cure.
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer.
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) a such number of punitive damages as the court may allow.
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter, please.
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.
Please note that you have 15 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 15 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
Sincerely XXXX XXXX
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05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THIS IS NOT A REGULAR DISPUTE. TAKE ACTION IMMEDIATELY YOU ARE IN VIOLATION.
As of late I did an examination on my credit report which caused extreme misery upon me and found unverifiable, invalidated, inaccurate, and questionable items that your organization didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed.
You reacted to my questions saying that you confirmed the data. I need confirmation of how you did as such. I am more than positive that you didn't confirm these off base records.You cant verify false information. You don't even have the same information across the board for all XXXX credit bureaus.
AND I DO NOT WANT A RESPONSE FROM THE E-OSCAR SYSTEM! I need confirmation of the following account : 1. What records with my own particular we looked into in the examination.
2. Furnish me with the entirety of the official administrative work that was given to the information furnisher in the examination.
3. What amount did it cost your organization to get the desk work you expected to precisely finish your research.
4. Provide the evidence of your ideal acquisition of ensured paperwork 5. Did you talk legitimately to an operator with the organization that was revealing this data to affirm the precision of what you are answering to the authorities?
6. in the event that yes to all the abovementioned : a. Who was the individual you talked with?
b.What was the date?
c.How since quite a while ago did you converse with this individual?
d.What 's their situation with the organization?
e.What phone number did you call to get in touch with them?
f.What is the name of the representative of your organization that spoke straightforwardly to the above gathering?
g.What is the situation of the representative of your organization that spoke straightforwardly to the above gathering?
h.How long has that representative worked for your organization?
i.What sort of preparation did your representative receive to explore things of this sort?
j. Was there any messages sent to impart between individuals from your organization and to the gathering above?
7. Assuming this is the case, it would be ideal if you give me duplicates of all the correspondence ; suppl duplicates of any documentation to demonstrate that XXXX.I might likewise want to have the date of the initiation of wrongdoing XXXX. Give the SPECIFIC date revealing that these things will stop.
Under penalty of perjury you must swear that you were there when I obtained these goods that you are fraudulently accusing me of. If you can't do so then these UNAUTHORIZED ACCOUNTS/ INQUIRIES MUST BE REMOVED IMMEDIATELY .Encased with your reaction to the above inquiries I demand a legally approved testimony affirming the data given is valid and exact according to my social equality conceded under a few laws. This data ought not arrive in a type of letter reaction.
A layout reaction WILL NOT BE ACCEPTED IN RESPONSE! On the off chance that you can't give me ALL of the above data in a convenient way as definite, I should quickly request the lasting expulsion of this thing from my credit report.
In the event that you decided not to give the above mentioned erasure or required desk work of your examination, I will seek after the authorizations of my sacred rights by means of government court proceedings.P.S. If it's not too much trouble know that needy upon your reaction, I might be enumerating any likely issues with your organization by means of an online official statement, including documentation of any potential little cases activity.
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.
investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.
Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.
The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
15 U.S. Code 1666 - Correction of billing errors ( a ) WRITTEN NOTICE BY OBLIGOR TO CREDITOR ; TIME FOR AND CONTENTS OF NOTICE ; PROCEDURE UPON RECEIPT OF NOTICE BY CREDITORIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) BILLING ERRORFor the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the
Bureau. ( c ) ACTION BY CREDITOR TO COLLECT AMOUNT OR ANY PART THEREOF REGARDED BY OBLIGOR TO BE A BILLING ERRORFor the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) RESTRICTING OR CLOSING BY CREDITOR OF ACCOUNT REGARDED BY OB
LIGOR TO CONTAIN A BILLING ERROR Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
I request that you review this information and make the necessary corrections to my credit report remove late payments, chargeoff accounts and collections Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.
As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX Assistant DirectoXXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency, Sincerely, XXXX XXXX
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12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXX XXXX XXXX and Equifax on any of my consumer report to provide and exchange any information to each other.
Equifax is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETED INDEFINITELY AND IMMEDIATELY.
A year ago I sent Equifax a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
This account is not with XXXX XXXX XXXX anymore they have sold the account to a collection agency XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, XXXX XXXX, Equifax with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, Equifax is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO XXXX5 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX XXXX XXXX or Equifax, the permission. I RESCINED any permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge a year ago Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXX XXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. Equifax is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. Equifax IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The XXXX XXXX was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXX XXXX XXXX or Equifax to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX XXXX by law is suppose to send me a 1099-C so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. Equifax and XXXX XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice Equifax and Bank Of America violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that Equifax and XXXX XXXX XXXX is abusing and violating.
Further more in XXXX XXXX XXXX SEC FILINGS Floating rate notes are debt notes and If I am an investor into this company which I have never received my principal amount or secuirities intrest payments on this account that you XXXX XXXX XXXX did not inform me I was eligible to recive since I have been paying you with debt notes these past 10 years. I am a holder per 16 CFR 443.1 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. inorder to get such sale of credit recievables which is whne you turned my application and account into a securities that you are currently moving into. As well as reallocating until so you can make principle deposits into your trust account, a charged off debt that you already wrote off and is now income for me and I have not received a 1099-C for it. per your 424B5 prospectus.
Delinquencies and Collection Efforts page 142 -143 An account is contractually delinquent if the minimum payment is not received by the due date indicated on the monthly billing statement. For collection purposes, however, an account will begin receiving collection treatment based on the number of days that have elapsed since the due date reflected in the respective monthly billing statement, as well as risk, status, balance and other factors. Efforts to collect delinquent credit card receivables currently are made by XXXX XXXX XXXX XXXX, first party and third party agencies. Collection activities include statement messages, telephone calls, text messages, e-mails and formal collection letters. XXXX employs a proprietary system for collecting past due accounts. XXXX XXXX XXXX says that they use third parties to collect debt when the cossumer laws state that you can not give my personal information away without my consent to third parties Charge Off Policy XXXX does not currently sell charged off accounts to third parties. On page 143. My account was sold to a third party twice. XXXX XXXX XXXX is lying in their SEC FILING on how they deal with the consumers accounts.
On page XXXX of the consumer laws part of the SEC FILING FOR 424B5 prospectus The relationships of the cardholder and credit card issuer and the lender are extensively regulated by federal and state consumer protection laws. For credit cards issued by XXXX, the most significant.
XXXX XXXX XXXX may be liable for certain violations of consumer protection laws that apply to the receivables, either as assignee from XXXX for obligations arising before transfer of the receivables to XXXX XXXX XXXX or as a party directly responsible for obligations arising after the transfer. In addition, a cardholder XXXX be entitled to assert such violations by way of set off against his obligation to pay the amount of receivables owing.
XXXX laws include the federal Truth in Lending, Equal Credit Opportunity, Fair Credit Reporting, Fair Debt Collection Practice, XXXX and Electronic Fund Transfer Acts, and for members of the military on active duty, the Servicemembers Civil Relief Act and the Military Lending Act. Several of these statutes impose disclosure requirements when a credit card account is advertised, when it is opened, at the end of monthly billing cycles, and on an annual basis. In addition, these statutes limit customer liability for unauthorized use, prohibit certain practices in extending credit, impose certain limitations on the type of accountrelated charges that may be assessed, and regulate the use of cardholder information. Cardholders are entitled under these laws to have payments and credits applied to the credit card accounts promptly, to receive prescribed notices and to require billing errors to be resolved promptly. I AM PROTECTED UNDER THESE LAWS.
PAGE 193 equity interests were traded on an established securities market, or are readily tradable on a secondary market or its substantial equivalent. The beneficiary intends to take measures designed to reduce the risk that either of the issuing entity or XXXX XXXX XXXX could be classified as a publicly traded partnership ; although the beneficiary expects that such measures will ultimately be successful, certain of the actions that may be necessary for avoiding the treatment of such other securities as readily tradable on a secondary market or its substantial equivalent are not fully within the control of the beneficiary.
ON PAGE A-1-2 Charge offs consist of write offs of principal receivables. AS SAID ON PAGE 14 Currently, XXXX originates and owns credit card accounts from which receivables in accounts designated for inclusion in XXXX XXXX XXXX are sold to ( XXXX XXXX XXXX XXXX XXXX is the beneficiary of the issuing entity. ) Funding for inclusion in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( referred to as XXXX ), a limited liability company formed under the laws of Delaware and a direct subsidiary of XXXX, is the transferor and depositor of the issuing entity IS securitization trust WHICH MEANS XXXX XXXX XXXX HAS WRITTEN OFF AND MADE MONEY OFF OF MY ACCOUNT SECURITIES.
ON PAGE 28 Security for the Notes The notes of all series are secured by a shared security interest in the collateral certificate and the collection account, but each tranche of notes is entitled to the benefits of only that portion of the assets allocated to it under the indenture and the indenture supplement.
28 Each tranche ( PORTION ) of notes is also secured by a security interest in any derivative agreement for that tranche.
The Class A ( XXXX ) notes are secured by a shared security interest in : the collection account ; On page 20-21 In addition, the Class A ( XXXX ) notes will, and other notes may, have an Adjusted Outstanding Dollar Principal Amount. The Adjusted Outstanding Dollar Principal Amount is the same as the outstanding dollar principal amount, less any funds on deposit in the principal funding subaccount for that note.
Nominal Liquidation Amount. The nominal liquidation amount of a note is a U.S. dollar amount based on the outstanding dollar principal amount of the note, but after deducting : that notes share of reallocations of Available Principal Amounts used to pay interest on senior classes of notes or a portion of the XXXX XXXX XXXX servicing fee allocated to its series ; that notes share of chargeoffs resulting from uncovered Investor Default Amounts ; and amounts on deposit in the principal funding subaccount for that note ; and adding back all reimbursements from Excess Available Funds allocated to that note of ( i ) reallocations of Available Principal Amounts used to pay interest on senior classes of notes or the XXXX XXXX XXXX servicing fee or ( ii ) chargeoffs resulting from uncovered Investor Default Amounts. Excess Available Funds are Available Funds that remain after the payment of interest and other required payments for the notes.
The nominal liquidation amount of a note corresponds to the portion of the investor interest of the collateral certificate that is allocated to support that note.
The aggregate nominal liquidation amount of all of the notes plus the Class D Investor Interest is equal to the Investor Interest of XXXX XXXX. The Investor Interest of Series XXXX corresponds to the amount of principal receivables in XXXX XXXX XXXX that is allocated to support Series XXXX. Anything that increases or decreases the aggregate nominal liquidation amount of the notes or the Class D Investor Interest will also increase or decrease the Investor Interest of XXXX XXXX.
Upon a sale of credit card receivables held by XXXX XXXX XXXX ( i ) following the insolvency of Funding, ( ii ) following an event of default and acceleration for a note, or ( iii ) on a notes legal maturity date, each as described in Sources of Funds to Pay the NotesSale of Credit Card Receivables, the nominal liquidation amount of a note will be reduced to zero.
For a detailed discussion of nominal liquidation amount, see The NotesStated Principal Amount, Outstanding Dollar Principal Amount and Nominal Liquidation AmountNominal Liquidation Amount.
Each tranche of notes is also secured by a security interest in any derivative agreement for that tranche.
Page 28-29 Security for the Notes The notes of all series are secured by a shared security interest in the collateral certificate and the collection account, but each tranche of notes is entitled to the benefits of only that portion of the assets allocated to it under the indenture and the indenture supplement.
The Class A ( XXXX ) notes are secured by a shared security interest in : the collateral certificate ; the collection account ; the applicable principal funding subaccount ; the applicable interest funding subaccount ; and the applicable accumulation reserve subaccount.
On page 26 Optional Redemption by the Issuing Entity Funding, so long as it is an affiliate of the servicer, has the right, but not the obligation, to direct the issuing entity to redeem the Class A ( XXXX ) notes ( and all other tranches of BAseries notes ) in whole but I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off for false and misleading reporting Respectfully, XXXX XXXX
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03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : BANKRUPTCY ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX MASTERCAR ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 U.S. Code 1681b ( a ) it states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX, XXXX, and Equifax are the reporting agencies, and I am the consumer. I have not given written instruction to the consumer reporting agencies to furnish inquiries that are numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX XXXX This violation also applies to Accounts XXXX, XXXX, & XXXX in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 12 CFR 1022.3 - Definitions it states ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.. I did not give the authority for any of the three ( 3 ) credit reporting agencies written consent to have anything added to my consumer report. This violation applies to Account 1-3 in the Derogatory Information section ( Page XXXX ) in the PDF file attached named XXXX XXXX XXXX XXXX This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX
In 15 U.S. Codes 6801 it states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have the right to make sure my private information isn't shared. This violation applies to the inquiries that are numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX This violation applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXXXXXX. This violation also applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX XXXX
In 15 U.S. Code 1681- Congressional findings and statement of purpose it states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These unfair credit reporting methods undermine my confidence in continued functioning of the banking system. This applies to the inquiries that are numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This violation applies to the inquiries that are numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX This violation also applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX XXXX This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information it states ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. This has been violated and applies to the inquiries that are numbered 1-25 in the PDF file attached named XXXX XXXX XXXX This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX. This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 15 U.S. Code 6802 it states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; None of the three consumer reporting agencies have disclosed in writing or in electronic form permitted under section 6804 of this title, that such information may be disclosed to such third party. This violation applies to the inquiries that are numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX This violation applies to Account 1-3 in the XXXX XXXX XXXX ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 15 U.S. Code 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and. I was not given the opportunity to direct the information to not be disclosed to such third party. This applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXXXXXX XXXX This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX
In 15 U.S. Code 6802 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given an explanation of how to exercise that option this is a single violation.
In 15 U.S. Code 6802 ( 2 ) with the consent or at the direction of the consumer. I have not given my consent nor was this done at my discretion. This violation applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX This violation applies to Account XXXX in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX XXXX This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 15 U.S. Code 6803 - Disclosure of institution privacy policy it states ( a ) At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to '' ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 3 ) protecting the nonpublic personal information of consumers. I have not received a disclosure annually from any of the three consumer reporting agencies that provides a clear and conspicuous disclosure in writing or in electronic form with respect to what is stated in ( 1 ) and ( 3 ). This violation applies to each year since establishment of a customer relationship on XX/XX/XXXX as stated in Account 3 in the XXXX XXXX Accounts Section ( Page 8 ).
In 15 U.S. Code 1681a - Definitions ; rules of construction it states ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;. I was not given the opportunity, before the time that the information was initially communicated to direct that such information to not be communicated among such persons. This violation applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX XXXX This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX
( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. This violation also applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX This violation also applies to Open Accounts section ( Page 61 ) Accounts 1-7 & 9-10 as these accounts are reporting an Account Balance which reflects utilization, this is reporting transactions and should not be on my consumer report.
In 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports it states ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.. This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX as these are not convictions of crimes.
In 15 U.S. Code 1681e - Compliance procedures it states ( a ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports the consumer reporting agencies are also violating compliance procedures under this title. This violation applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX XXXX This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In the Privacy Act of XXXX74 5 U.S. Code 552a - Records maintained on individuals, the term record is defined as ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ;. In ( b ) it states CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. This further proves that the consumer reporting agencies need prior written instruction of the individual to whom it relates, and I have not given them written consent for such actions. This violation applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX This violation also applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX XXXX This violation will apply to Account 40 in the Installment Credit Accounts section ( Page 20 ). This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX
In 31 U.S. Code 3711 - Collection and compromise it states ( e ) ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and. Not only have the 3 reporting agencies violated the Fair Credit Reporting Act, but they have also violated the Privacy Act of 1974. This violation applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX XXXX This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX XXXX This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX
In 20 U.S. Code 1232g - Family educational and privacy rights it states ( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.. This violation applies to Accounts 3, 8, 18, 20, 21, 23, 27, 28, 31, 34 in the Installment Credit Accounts section ( Page 20 ) due to High Balance amounts not being reported accurately. This violation applies to accounts 15, 17, 19, 22, 24, 25, 26, 29, 30, 32, 33, 35 due to the High Balance and Account Balance is being reported inaccurately.
In 16 CFR 313.4 Initial privacy notice to consumers required it states When you establish a customer relationship ( 1 ) General rule. You establish a customer relationship when you and the consumer enter into a continuing relationship. I never received such notice this is a violation, 15 U.S. Code 6803 - Disclosure of institution privacy policy was violated therefore this was also violated ; this is a single violation.
In 16 CFR 313.5 Annual privacy notice to customers required. ( a ) In general ( 1 ) General rule. Except as provided by paragraph ( e ) of this section, you must provide a clear and conspicuous notice to customers that accurately reflects your privacy policies and practices not less than annually during the continuation of the customer relationship. Annually means at least once in any period of 12 consecutive months during which that relationship exists. You may define the 12-consecutive-month period, but you must apply it to the customer on a consistent basis. 15 U.S. Code 6803 - Disclosure of institution privacy policy was violated therefore this was also violated. This violation applies to each year since establishment of a customer relationship on XX/XX/2014as stated in Account 3 in the Revolving Credit Accounts Section ( Page 8 ).
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09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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My Only First & Last Name : XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX CA XXXX The last XXXX of my SSN # XXXX My Only DOB XX/XX/XXXX Ive sent paper work and complaints from the US Justice Department ( XXXX ) ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO XXXX-EQUIFAX-XXXX XXXX XXXX XXXX XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports . Yet XXXX EQUIFAX-XXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX-EQUIFAX-XXXX XXXX XXXX XXXXXXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. I [ XXXX XXXX XXXX ] issue this urgent and non-negotiable Affidavit of Truth. I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX XXXX ] I also serve as my agent and attorney-in- fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and Equifax XXXX XXXX XXXX XXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : ( 15 USC 1692c ( b ) : Unauthorized communication with third parties about alleged debt. ) [ 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [. Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk.Remedial Actions : Immediate and Non- Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.XXXX-EQUIFAX-XXXX XXXX XXXX XXXX XXXXCONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX EQUIFAX-XXXX XXXX XXXX XXXX XXXX/furnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXEQUIFAX- XXXX XXXX XXXX XXXX XXXXinto the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy
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03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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In response to the Equifax Credit Reporting Agency reinvestigation results Ive received dated XX/XX/XXXX. I have uploaded my Credit Report BEFORE the reinvestigation ( XX/XX/XXXX ) and AFTER the reinvestigation ( XX/XX/XXXX, XXXX ) which in fact remains the inaccurate and incomplete accounts on the Credit Report date XX/XX/XXXX that I received.
Equifax Credit Reporting Agency never did a proper investigation '' according to the FCRA.
15 USC1681 ( 2 ) ( e ) ) The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They did not do that.
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Act.
EVERYTHING has to be 100 % accurate on my credit report AND, IT IS NOT 100 % ACCURATE in spite of Equifax VERIFIED ALL DISPUTED ACCOUNTS AS ACCURATE, in which they are continuosly reporting the inaccurate and incomplete accounts to my Credit Report THAT IS A VIOLATION in pursuant to 15USC1681i ( A ) My documents with notations WILL SHOW the MISLEADING, INACCURATE AND INCOMPLETENESS of the disputes as they were verified as accurate in fact, in violation of the CRA and I want them deleted immediately.
Equifax Credit Reporting Agency stated my accounts was properly investigation, verified as accurate but, how is that possible if the open date is inaccurate, the date of last activity ( XXXX ) is inaccurate, the disputes are opened and complete the same day. Account listed with NO DATA, NO STATUS and NO Payment History that commence to the alleged delinquency. Closed accounts reporting a balance instead of XXXX. Charge Off account list a balance AFTER the ChargeOff Date instead of XXXX and continuing reporting such. Account Payment History list prior months as PAID ON TIME and Next Month i ( 60 days ) delinquent which is in fact inaccurate. This ground for removal of ALL accounts.
Equifax did not properly reinvestigate my dispute.
15 USC1681 ( S ) ( 2 ) Prohibited as define, Equifax is Prohibited from reporting inaccurate/ incomplete information.
They also violated my rights according to 15 U.S.C 1681 ( A ) ( 4 ).
States I have the right to privacy.
15 U.S.C 1681 ( B ) ( 2 ) It also states a consumer reporting agency can not furnish a account without my written instructions I did not give anybody written consent to report ANY account on my Credit Report.
Your company, Equifax Reporting Agency continuously reporting inaccurate information to my credit report still to this day and by reporting these ERRONEOUS, INACCURATE and INCOMPLETE accounts, it has caused severe damaged to my character, my reputation, my general mode of living and, my ability to obtain credit personal and house purposes.
In addition to, Equifax inaccurate reporting have damaged my livelihood.
RE : ( BOTH ) XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) I am putting CFPB, FTC, State Attorney Office and Congress on notice that Equifax HAS BEEN in VIOLATION with their reporting with respect to and the purpose of 15 USC 1681 ( a ) Accuracy and Fairness of credit reporting on my Consumer Credit Report, 15US1681 ( e ) Compliance Procedure as stated, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Equifax fail to do just that. When my Credit Report is requested, theres no precautions in place by this Reporting Agency and the information in return reports the inaccurate/ incomplete information without the consideration, creditworthiness, character, and livelihood of me ( the consumer ) and the effects on my ability to obtain credit. They have been provided the relevant documents where it clearly shows such instead they are continuously being reported on my credit report.
Upon Equifax receiving my dispute that was delivered on XX/XX/XXXX they waited until XX/XX/XXXX to opened a dispute Conformation # XXXX for the inaccurate/ incomplete accounts ( two weeks ) later. This is a violation of 15USC 1681i ( a ) ( 1 ) ( A ) ( 2 ) ( A ) which states Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer, when it comes to disputing my dispute with the creditor/ furnisher.
I called Equifax XX/XX/XXXX regarding the receipt of my dispute and spoke with a gentleman name XXXX, he said the dispute was in review and it will take 10 days plus an additional 5 days to complete ( document will show it ). In addition to, this recent dispute there were several disputes that repeatedly is in violation of 15 USC 1681i ( a ) ( 1 ) ( A ) ( 2 ) ( A ) and as to HOW they are in violation and DID NOT do a reasonable reinvestigation of my dispute as paragraph ( a ) ( 1 ) ( A ) states.
On the Dispute Status XX/XX/XXXX a dispute was submitted Conformation # XXXX for account ( XXXX ) XXXX XXXX and completed XX/XX/XXXX, the account came back verified and mailed out to me dated XX/XX/XXXX. Equifax chose to separate my disputes as this account was included in the delivery of my initial dispute of the inaccurate and incomplete accounts the company received on XX/XX/XXXX. On the other hand, I was in receipt of this dispute investigation results BEFORE the submitted dispute on XX/XX/XXXX. HOW CAN THAT BE. Equifax clearly demonstrated misleading tactic which is a violation. The Dispute Status shows XX/XX/XXXX submitted dispute Conformation # XXXX and completed XX/XX/XXXX but, on the Message Page it does not show that the dispute was submitted, it shows a dispute in progress XX/XX/XXXX, and XX/XX/XXXX, completed. On XX/XX/XXXX on the Dispute Page a dispute submitted Conformation # XXXX and completed XX/XX/XXXX, Conformation # XXXX was not listed as they are the same disputed inquiry I did not give my consent to and this to came back verified as accurate. This inquiry has been deleted from my two XXXX XXXXXXXX Credit Reports . XX/XX/XXXX a dispute submitted Conformation # XXXX and it was completed the XX/XX/XXXX. On XX/XX/XXXX a dispute submitted Conformation # XXXX completed XX/XX/XXXX. Once the dispute is mark complete and I am unable to view it ( documents will show ) despite Equifax Dispute Status Page which states the dispute WILL BE AVAILABLE for 30 days This is misleading to me ( the consumer and the Bureau. Disputes are NOT AVAILABLE FOR VIEWING for up to 30 days as the dispute page states. As my documents will show the dispute is completed the same day OR within one to two days, The message page will show there are disputes that shows in progress and completed dates but, it does not show the date it was submitted. If this is true how is it that your company is doing a reasonable investigation in reference to 15 USC 1681i paragraph ( 1 ) ( A ) with respect to disputed information that the accounts comes back accurate and verified. Equifax continued reporting ALL the disputed accounts throughout out the reinvestigation process and thats a violation to Equifax lack effectiveness in the method they chooses ( E-Oscar Algorithm ) in disputing my dispute of the inaccuracies/ incompleteness of the accounts and, how this affect the accuracy and integrity of the information they are reporting on my consumer report. I demand you to DELETE THESE INACCURATE and INCOMPLETE accounts. the law states and not limited to 15 U.S. Code 1681i ( a ) Procedure in case of disputed accuracy, ( 1 ) ( A ) Reinvestigation required if the completeness or accuracy of any item of information contained in a consumers file at a Consumer Reporting Agency is disputed by the consumer and the consumer notifies the agency directly, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. Equifax is in violation of this chapter as THE COMPANY CHOSE to opened my dispute on XX/XX/XXXX, as the document I provided in my complaint the date and conformation number of the dispute and XX/XX/XXXX as the complete d date.
* duty- a mortal and legal obligation to report * accurate and complete- correct in all details * exact- precise and completely accurate B ) Extension of period to reinvestigate, Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. I have not submitted ANY ADDITIONAL documents relevant to the reinvestigation as ALL RELEVANT DOCUMENTS were delivered on XX/XX/XXXX. Equifax in violation of this paragraph and, ( C ) as stated below.
C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall- not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. My disputed accounts showed the incompleteness and inaccuracies they received but, was verified by Equifax chosen METHOD TO INVESTIGATE by E-Oscar Algorithm instead of a reasonable reinvestigation to be certain, exact, precise that they are reporting accurate/ complete information to my Credit Report as expected by the CRA XXXX My documents will show the incompleteness and inaccuracies despite the reinvestigation resulted in the accounts being verified as accurate.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer, the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. Equifax has not been in compliance with this paragraph as it describes the process in doing a reasonable reinvestigation to avoid being in violation in addition to, ( B ) as stated below according to CRA.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). Equifax is in violation of this paragraph as my dispute was delivered XX/XX/XXXX, but, the reinvestigation was opened XX/XX/XXXX.
4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
In addition to, Equifax chosen method of disputing my dispute of the inaccurate/ incomplete accounts, my Credit Report XX/XX/XXXX have the inaccurate/ incomplete accounts listed and XX/XX/XXXX ( as the completion of the reinvestigation ) have the same accounts listed on the now Update Credit Report which the results of the disputed accounts was verified as accurate and sent to me. This clearly shows the opposite of paragraph ( 1 ) ( A ) Procedure in case of disputed accuracy and this is how my disputes have been / is being disputed since the accounts was reported to my Credit Report and this is clearly a violation of ( 1 ) ( A ). On XX/XX/XXXX I received my dispute investigation results dated XXXX XXXX as the Credit File date in which this is a violation in pursuant to 15 USC 1681i ( 6 ) ( A ), Notice of results of reinvestigation ( A ) A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation. Equifax continuously misleading the Bureau and, ME ( the consumer ) in which XXXX is the date listed on the Dispute Page as the completed date of the reinvestigation not the file date as it appears on my Updated Consumer Report. How can it be the completed date when I received it BEFORE the date. Equifax is misleading in their completion of my dispute. It should have not taken this long when in fact the creditors should have the alleged account information in their procession. Equifax started the reinvestigation XX/XX/XXXX as shown on the dispute page which is in fact a violation of 15 U.S. Code 1681i ( 1 ) ( A ) subsection ( 5 ) and ( 2 ) ( A ) says Prompt Notice of dispute to furnisher of information. Your company was provided RELEVANT SUPPORTING DOCUMENTS that clearly showed the incompleteness / inaccuracies as to XXXX XXXX XXXX ( XXXX ) reporting as two trade lines when in fact is the same account, same alleged open date and, days apart as the alleged First Date Of Delinquency, one shows closed and the other shows as opened to be misleading and Equifax was provided and received the validation letters along with the default letters that was sent to the Collection Agencies showing the creditor DID NOT VALIDATE THE DEBT as my rights to ask of them as a consumer and these accounts warranted a deletion without being reinvestigated. Equifax intentionally continued reporting this inaccurate/ incomplete account. XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX ( ( XXXX ) ) since the company was in receipt of my dispute on XX/XX/XXXX, knowingly, these THREE ACCOUNTS WAS DELETED from my XXXX Credit File on XX/XX/XXXX. It is now XX/XX/XXXX and XXXXXXXX XXXX account was deleted from my Equifax Credit Report on XX/XX/XXXX AFTER the dispute which was VERIFIED as ACCURATE. You and your company chose to Update the disputed accounts, instead of them being DELETED as the paragraph ( 1 ) ( A ) requires. My documents WILL SHOW the INCONSISTENT of the timing of submitting the disputes and the MISLEADING of when they were completed. This is a violation of paragraph ( 1 ) ( A ) and its entirely.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information
disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Equifax is clearly in violation of paragraph ( 5 ) as the company did not delete the inaccurate and incomplete accounts from my Credit Report.
Equifax knowingly the accounts are as such. It is absurd how Equifax Reporting Agency has deliberately, unconsciously and continuously reporting inaccurate and incomplete information on my credit report as it affects my creditworthiness.
As stated, 15 USC 1681i ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, I recently challenged the validity of ALL the mentioned accounts that's being reported on my most recent UPDATED credit report. Upon challenging this, XXXX Reporting Agency DELETED ( 3 ) of these accounts on XX/XX/XXXX based on the lack of ability to properly verify all reported information as being accurate. I noticed as a result of challenging these accounts with your company, you have DELETED XXXX XXXX XXXX ( XXXX ) which your company was in receipt of the reinvestigation results that showed this account was deleted with my dispute you have verified these same account as accurate. It is my understanding that the Creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify these accounts in writing any automated response or E-Oscar verification is unacceptable. If such documents can not be produced please deleted these accounts from my credit report immediately. Despite on XX/XX/XXXX you were in receipt of the supporting relevant documents that were highlighted of the errors that supported the incompleteness and inaccuracies of the accounts along with XXXX Investigation Results that I received AFTER their reinvestigation of the same accounts. Your company opened up a reinvestigation which in fact DID NOT warrant one. This inconsiderate action of your company Equifax, was done to prolong the inaccurate and incomplete accounts to REMAIN on my credit report to further my inability to obtain credit and financial resources.
In Conclusion, You have 10 calendar days to delete the mentioned accounts. Failure to respond satisfactorily with deletion of the above accounts will result in legal actions being taken against Equifax, for which I will also be seeking damages per violations as stated in 15 U.S. Code 1681s - Administrative enforcement
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07/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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STATE AND FEDERAL CRIMINAL CONSUMER COMPLAIN AGAINST CREDITOR, COLLECTION AGANCY AND CREDIT REPORTING AGENCIES This was a monthly rent to own agreement on a storage building with the XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, ( not to be confused with XXXX XXXX, trust me ). Agreement made in XXXX. The building was delivered to our restaurant property by the owner, XXXX XXXX, whom is illegally running a corporation for the advantages of personal protection against liability, however has absolutely no corporate veil as he and his wife ( the actual partnership ) have absolutely none of the required meetings, nor any of the minutes to support such meetings. This is a theme with them : they fake being XXXX XXXX XXXX XXXX, they fake being a corporation and they also claim to be XXXX.
However, XXXX XXXX ( at the time ) went overboard with weekly meetings of the directors and officers so we could enjoy the protection of the corporate veil. I was XXXX of XXXX XXXX XXXX XXXX XXXX XXXX here in XXXX Kentucky. The agreement was between XXXX XXXX ( I had several at the time ) and XXXX, XXXX We had a meeting on it, approved the expenditure and recorded it in minutes. I was in no way a personal guarantee as were none of the other Officers or Directors ( we actually had 8 at the time ). I signed the agreement with XXXX, XXXX, as XXXX XXXX and authorized representative of the company ( as the agreement states ). Not a personal guarantor as XXXX would like to claim. As much as he skirts the legal operation of a business ( as you will see with my continued narrative ) I am sure he fully understands the difference. This, of course, proving these frauds/crimes are being committed with malice and intent by XXXX and his partner XXXX XXXX. White collar they may be, they are still criminal.
When XXXX, XXXX XXXX XXXX XXXX made its monthly payment, I let XXXX know we were in the process of cleaning out the building, would be taking advantage of the surrender clause of the agreement and would be surrendering the building within the week. I told him I would call him when it was ready to pick up. Mind you, our company had just paid our month in advance rent.
I called XXXX within that week and he told me he would be over as soon as he could to pick it up. He waited four weeks to pick it up and in the interim, charged mt company another months rent. Shortly after he charged my company another months rent, he picked up the building. When I confronted him with the fraudulent charges and my companys refusal to pay it, he expressed how he would come at me and my company hard. He threatened lawyers, lawsuits and expressed he would get that fraudulent charge no matter what it takes.
XXXX has proven to be such the criminal as he even went as far as to contact other business associates of mine to shame me into paying this fraudulent charge ( {$340.00} ) including ( but not limited to ) contacting XXXX XXXX, the property owner of XXXX XXXX XXXX informed me and was flabbergasted, questioning what XXXX expected him to do about it. XXXX went on to turn this fraudulent debt over to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX. For the purpose of accessory to the various crimes and liabilities committed and created by XXXX and XXXX, this complaint also includes XXXX XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX and any employees and/or ensigns that have assisted XXXX and XXXX in their fraudulent and deceptive business practices. I am most certain I am not the only one either company has done this to.
This complaint is also against XXXX, XXXX and Equifax ( credit reporting companies ) as ; after numerous attempts to report and have these fraudulent collections removed from my report, they have not followed the letter of the law in confirming such fraudulent charges and have caused severe damage to my credit profile and buying power. This charge needs to be immediately removed from my report and all three credit reporting agencies are now liable to me as according to the Fair Credit Reporting Act ( treble damages due to their fiduciary duties ). This constitutes an emergency as these fraudulent charges and collections being reported on my credit is causing immediate and irreparable harm.
Please understand, this fraudulent charge was also reported to my personal credit report, illegally as I was afforded the protections from liability ( including debt ) by XXXX and being XXXX by a legal Kentucky corporation. XXXX nor XXXX have any authority to circumvent these or any of the other laws they are breaking or have broken. This fraudulent reporting has been complained of to XXXX, XXXX, the collection company and the credit reporting agencies. It is now being complained of to the Commonwealths Attorney, the Kentucky Attorney General, the Tennessee States Attorney, the Tennessee Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau before the liability claim is filed in all courts of competent jurisdiction.
I ceased any XXXX or XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. The other officers and directors assumed full ownership and went on with their business and liability on their own. This fraudulent charge has absolutely nothing to do with me. The owners of the XXXX XXXX XXXX XXXX XXXX are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX This complaint is being made under commonwealth, state, and federal jurisdiction as laid out in KRS 367.170 Unlawful acts including unfair, false Misleading or deceptive practices in the conduct of any trade or commerce are hereby declared unlawful. As well as Title 47, Chapter 18 of the Tennessee Code, Section 47-18-104 of the Act prohibits unfair or deceptive practices. As well as Section 5 of the Federal Trade Commission Act that also deems unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Deceptively creating charges not owed, fraudulently reporting such charges, hiring a company to enforce such charges, contacting known business associates to embarrass and shame me into paying, holding me personally liable for a companys debt are all unfair and deceptive acts or practices violating the above mentioned Federal and State Laws as well as the following Federal laws and their Commonwealth of Kentucky and Tennessee State Counter Parts : FAIR DEBT COLLECTIONS PRACTICES ACT As amended by public law 111 203, title x, 124 stat. 2092 ( 2010 ) 805 ( b ) as this is not my debt and I gave no such permission to communicate this fraudulent debt with any party, business or entity including but not limited to a consumer reporting Reporting false debts is a crime.
806 Turning a fraudulent business debt over to collections and reporting agency as my personal debt, in order to harass, oppress and abuse me to collect this debt.
806 ( 1 ) Calling my landlord to embarrass me about a nonexistent business debt, making an unsolicited reference to my financial reputation concerning a business debt for a company I worked for and was only a part of.
807 ( 2 ) ( A ) the character, amount and legal status have been fraudulently reported by XXXX and XXXX in an attempt to force personal liability on the concocted charges, THEFT.
807 ( 5 ) threat to report as debt ( was not a debt ), a personal debt ( was corporation debt ) to reporting agencies and collections.
807 ( 6 ) ( B ) in the false representation that I am personally responsible.
807 ( 7 ) disgracing me to my landlord as not paying a personal debt when this is no debt and a non-debt that should be charged to a business, I was a part of a long with 8 others.
807 ( 8 ) communicated with landlord, credit reporting agencies, collections company, community credit information they knew was false as they delayed pick-up to create fraudulent charges and knew this was an agreement with a corporation, I was not a personal guarantee any more than any of the other officers in the corporation that also owned stock. They are not to be held responsible for any debt of the companies they may hold stock/stake in.
807 ( 10 ) in that they falsely reported this to collection agency and credit reporting agency causing me damage in an attempt to shame me into paying a fraudulent debt. THEFT.
808 May not use unfair or unconscionable means to collect any debt including : 808 ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law., No where in the law or agreement is it stated I am a personal guarantor for a corporate debt as a representative of that corporation. In fact there is law against it ; no where in the agreement or the law does it allow XXXX and XXXX to charge the company more rent after the building was surrendered just because they decided not to reclaim their property after the surrender.
808 ( 6 ) ( b ) They charged another unauthorized, fraudulent month simply because they had absolutely no intention to take possession of their property despite proper notice and surrender.
809 ( a ) ( 1 ) no written communication 809 ( a ) ( 2 ) no written communication 809 ( a ) ( 3 ) no written communication 809 ( a ) ( 4 ) no written communication 809 ( a ) ( 5 ) no written communication, they knew they were wrong, wanted no records.
809 ( b ) as there was no written notice the only response was when they illegally called my landlord and when I repeated/ contested this as not my debt, however no response does not equal admission or acceptance of fraudulent debt.
813 creates XXXX XXXX XXXX and the credit reporting agencies liability to me as actual damages ( everything I was denied credit for ) ; {$1000.00} per incident ; and attorneys fees/court costs as well as punitive damages.
813 ( b ) ( 1 ) this has gone on for years, with many more people beside me, this is their standard unfair/deceptive/fraudulent business practice that they perpetuate on our community and the courts are to consider the frequency and persistence of noncompliance, the nature of such non compliance and the extent to which such noncompliance was intentional Finally subsection 814 of the FDCPA gives the Federal Trade Commission the authority to enforce compliance with the FDCPA except on the government and that any violation of this chapter shall ( not may ) be deemed an unfair or deceptive practice in violation of that act. All of the functions and powers of the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by ANY person with this subchapter, irrespective of whether that person in engaged in commerce or meets ant other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule.
FAIR CREDIT REPORTING ACT 15 U.S.C. subsesction 1681 Revised XXXX XXXX 603 ( k ) ( 1 ) describes the actions included in adverse actions, these would be the adverse actions caused by XXXX, XXXX and XXXX fraudulent and deceptive practices.
603 ( k ) ( 1A ) explains it the same meaning as 701 ( d ) ( 6 ) of the equal Credit Opportunity Act of which they are clearly in violation of.
603 ( k ) ( 1 ) ( B ) ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee. I have been denied XXXX figure employment due to erroneous collections on my credit report 603 ( k ) ( 1 ) ( B ) ( iii ) A denial or cancelation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of any license or benefit described in section 604 ( a ) ( 3 ) ( D ) : I have been denied my ability to obtain my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
603 ( k ) ( 1 ( ) ( B ) ( iv ) ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under 604 ( a ) ( 3 ) ( F ) ( ii ) I have been denied several applications of credit due to this fraudulent reporting of this fraudulent charge and am currently waiting its removal to follow through with personal credit for a farm and several other obligations and endeavors.
603 ( k ) ( 1 ) ( B ) ( iv ) ( II ) adverse to the interest of the consumer, I have had to avoid lucrative business and personal endeavors due to this false/fraudulent collection.
611 PROCEDURE IN CASE OF DISPUTED ACCURACY there is absolutely nothing about this debt that is not inaccurate and that I have not contested. From the validity to reporting it as my personal debt. These commonly used practices by XXXX, XXXX and XXXX are deceptive and inaccurate. XXXX, XXXX, XXXX and all three credit reporting agencies are in violation of this subsection in that : 611 ( a ) ( 1 ) ( A ) requires an actual reinvestigation, not just everyone swearing by their lies as has been done in this instance by XXXX, XXXX, XXXX and the three credit reporting agencies, the credit reporting agencies conduct no reasonable reinvestigation. They ask XXXX if the information is correct, he says yes with absolutely no supporting documentation ( as Im sure XXXX and XXXX hasnt given him any as it does not exist ) so the third party fraud is confirmed and left illegally on my credit report. This complaint could not be determined frivolous by credit reporting agencies as I have supplied documentation, evidence and facts for years now as well as correctly filled out their contact forms as per their limitations in number or words/characters.
611 ( a ) ( 2 ) ( A ) I have never been contacted within 5 days of requesting reinvestigation from anyone, let alone the three major credit reporting agencies.
611 ( a ) ( 5 ) ( A ) ( i ) this has not been promptly deleted by all three credit reporting agencies as mandated as they failed in their reinvestigation duties of proof and evidence.
611 ( a ) ( 5 ) ( B ) ( iii ) ( I ) I have never received notice from ANY of the three credit reporting agencies of Reinstatement at all, let alone with 5 days as mandated.
611 ( a ) ( 8 ) I am requesting expedited recourse as the irreparable harm continues with this on my report. This needs to be removed with 3 days.
621 in this complaint I have proven several violations of these acts. Federal trade commission has jurisdiction in that a violation of any of the requirement or prohibition imposed under this title shall ( not may ) constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ) and shall ( not may ) be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency OR person that is subject to enforcement by the Federal Trade Commission 621 ( a ) ( 2 ) ( A ) in the event of knowing violation ( reporting agencies and collectors of debt are required to know. Ignorance of the law is no excuse ) which constitutes a pattern OR practice of violations of this title, The Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil liability of not mor that {$3700.00} per violation. I am requesting a full investigation and that this suite be brought against the several peoples for the several incidents so I can recover them maximum damages, as well as attorneys fees.
621 ( c ) ( 1 ) I also invoke state jurisdiction for civil and criminal liability of XXXX, XXXX, XXXX and all parties involved with their businesses or the several consumer reporting agencies already named.
623 ( a ) ( 1 ) ( A ) makes it illegal to provide inaccurate information to credit reporting agencies. XXXX, XXXX and XXXX knew full well these charges were fraudulent, illegal and I had absolutely no personal liability in them as this has been complained of numerous times for years now.
623 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors is also illegal. I have proven this fraud and complained of it multiple times to all parties involved.
623 ( 2 ) ( B ) It is the duty of the reporting agency to correct as well as the duty of the collection agency to inform. None of this has ever been corrected despite repeated complaints and evidence.
623 ( 3 ) If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This fraudulent charge has NEVER not been disputed since it was fraudulently created.
623 ( 7 ) I have not received any notices in writing concerning this debt, my complaints, the outcome of investigations or even that there were investigations.
623 ( 9 ) ( b ) Duties of Furnishers of Information upon Notice of Dispute, summarily NONE of these have aver been followed in any of the numerous disputes and complaints I have filed, causing several hundred incidents of violations to this title by the furnishers of information, XXXX, XXXX and XXXX I am also requesting the above named be investigated for state and federal wire fraud as these communications and this fraud has repeatedly occurred across state lines in my case as well as the several other cases ( specifically targeting disadvantaged peoples ) as your thorough investigation will uncover.
XXXX XXXX Dated : XX/XX/XXXX
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04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : 05 XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure the maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is accurate and correct. Recently I did an investigation on my credit report which caused severe XXXX and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting 100 % correctly.
Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you can not provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and the information listed below. Ive sent out dispute letters, and they never sent me evidence supporting my dispute to resolve any issues. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original wet signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if I fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.
Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.
The following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? 9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 2. Agreement with your client that grants XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the authority to collect 3. this alleged debt.
4. Original wet ink Signed agreement Debtor has made with the Debt Collector, or another verifiable proof Debtor has a 5. contractual obligation to pay a Debt collector.
6. Any agreement that bears Debtor 's original wet ink signature, wherein agreed to pay Creditor.
7. All statements while this account was open.
8. Have any insurance claims been made by any creditor regarding this account?
9. O Yes 10. O No 11. Have any Judgements been obtained by any creditor regarding this account?
12. O Yes 13. O No Please provide me the name and address of the bonding agent for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in case legal action becomes necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 15 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
The items below should all be updated to paid as agreed on my consumer report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a consumer by law, these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we have already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
INCLUDING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Under 15 USC 1611 " THIS REPORTING AGENCY '' is criminally liable Your Registered Agent also received a Notice of Pending Litigation and Notice of Default with the opportunity to cure.
Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply concerning information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information under paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
Under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 15 days, and you must delete the items from my credit file immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is here. The civil liability law which I will sue under is here.
Under 15 USC 1611, THIS REPORTING AGENCY is criminally liable. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. YOUR REGISTERED AGENT IS SERVED NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
You have no legal standing against me Pursuant 15 U.S. Code 1692i ( b ) ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. I will be filling for a default judgment and entering a class action for violation, stress, and mental anguish, and at least 1 % of the company under TILA 1640 or any other damages under 1692k This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Under 15 USC 1611 XXXX, XXXX is criminally liable 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.
REF : XXXX XXXX XXXX BANKRUPTCY REF : XXXX XXXX XXXXXXXX BANKRUPTCY REF : XXXX XXXX XXXXXXXX BANKRUPTCY REF : XXXX XXXX XXXX BANKRUPTCY This agency violates 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, but I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Your Registered Agent also received a Notice of Pending Litigation and a Notice of Default with an opportunity to cure.
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer.
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) a such number of punitive damages as the court may allow.
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter, please.
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.
Please note that you have 15 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 15 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
Sincerely, XXXX XXXX
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08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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XXXX, XXXX and Eqifax continue to report XXXX alleged bankruptcies on my consumer report. I contacted the XXXX XXXX XXXX IL XXXX and spoke directly to the XXXX XXXX XXXX and they stated they do not release court filings to third parties other than the attorneys and parties to the case. This means XXXX, XXXX and Equifax are both violating FCRA by reporting information they have and can not validate as belonging to me. Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX period described in subparagraph ( A ) may be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( XXXX ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). ( XXXX ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( XXXX ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. ( XXXX ) Consideration of consumer information In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information. ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. ( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( XXXX ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( XXXX ) ( A ) by the deletion of the disputed information by not later than XXXX business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( XXXX ) ( A ), then the agency shall not be required to comply with paragraphs ( XXXX ), ( XXXX ), and ( XXXX ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than XXXX business days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within XXXX years prior thereto received a consumer report for employment purposes, or within XXXX months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( XXXX ) Treatment of complaints and report to XXXX ( XXXX ) In general The Commission [ XXXX ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. ( XXXX ) Exclusion Complaints received or obtained by the XXXX pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( XXXX ). ( XXXX XXXX Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the XXXX pursuant to paragraph ( XXXX ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the XXXX regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. ( XXXX ) Rulemaking authority The XXXX may prescribe regulations, as appropriate to implement this subsection. ( XXXX ) Annual report The XXXX shall submit to the XXXX XXXX Banking XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX of the House XXXX XXXX an annual report regarding information gathered by the XXXX under this subsection. ( f ) Reinvestigation requirement applicable to resellers ( XXXX ) Exemption from general reinvestigation requirement Except as provided in paragraph ( XXXX ), a reseller shall be exempt from the requirements of this section. ( XXXX ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within XXXX business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices. ( XXXX ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( XXXX ) ( A ) the notice by the consumer reporting agency under paragraph ( XXXX ), ( XXXX ), or ( XXXX ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( XXXX ) ( A ). ( XXXX ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly. ( g ) Dispute process for XXXX XXXX XXXX ( XXXX ) In general With respect to a XXXX XXXX debt, the veteran may submit a notice described in paragraph ( XXXX ), proof of liability of the Department XXXX XXXX XXXX for payment of that debt, or documentation that the Department XXXX XXXX XXXX is in the process of making payment for authorized hospital care, XXXX XXXX, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran. ( XXXX ) Notification to veteran The Department XXXX XXXX XXXX XXXX submit to a veteran a notice that the Department XXXX XXXX XXXX has assumed liability for part or all of a XXXX XXXX debt. ( XXXX ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( XXXX ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
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08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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XXXX and Eqifax continue to report 2 alleged bankruptcies on my consumer report.
I contacted the US Bankruptcy Court IL XXXX and spoke directly to the Clerk of Court and they stated they do not release court filings to third parties other than the attorneys and parties to the case.
This means XXXX and Equifax are both violating FCRA by reporting information they have and can not validate as belonging to me.
Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).
( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
( g ) Dispute process for veterans medical debt ( 1 ) In general With respect to a veterans medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran.
( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veterans medical debt.
( 3 ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
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10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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The reporting agencies are reporting inaccurate information on the consumer account listed as XXXX XXXX XXXX XXXX. There are several inconsistencies that reporting agencies are reporting which means this account has not been verified and the only reason the reporting agencies are reporting the account is because of the financial gain.
The list of inconsistencies : 1. ) Account # : XXXX XXXX XXXX 2. ) Account Type - Detail : Credit Card Credit Card - 3. ) Bureau Code : Individual Terminated Individual 4. ) Account Status : Closed Closed Open 5. ) Date Opened : XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX 6. ) Balance : {$28000.00} {$0.00} {$28000.00} 7. ) High Credit : {$29000.00} {$29000.00} {$0.00} 8. ) Last Reported : XXXX XXXX XXXX 9. ) Date Last Active : XX/XX/XXXX XX/XX/XXXXXXXX XXXX 10. ) Date of Last Payment : XX/XX/XXXX XX/XX/XXXXXXXX XXXX ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within XXXX years prior thereto received a consumer report for employment purposes, or within XXXX months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( XXXX ) Treatment of complaints and report to XXXX ( XXXX ) In general The Commission [ XXXX ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section XXXX ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( XXXX ) Exclusion Complaints received or obtained by the XXXX pursuant to its investigative authority under the XXXX XXXX XXXX XXXX of XXXX shall not be subject to paragraph ( XXXX ).
( XXXX XXXX XXXX responsibilities Each consumer reporting agency described in section XXXX ( p ) of this title that receives a complaint transmitted by the XXXX pursuant to paragraph ( XXXX ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the XXXX regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under parag
raph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ). ( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly. ( g ) Dispute process for veterans medical debt ( 1 ) In general
With respect to a
veterans medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran. ( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veterans medical debt. ( 3 ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
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08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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XXXX XXXX, XXXX and Equifax continue to report 2 alleged bankruptcies on my consumer report. I contacted the US Bankruptcy Court IL XXXX and spoke directly to the Clerk of Court and they stated they do not release court filings to third parties other than the attorneys and parties to the case. This means XXXX and Equifax are both violating FCRA by reporting information they have and can not validate as belonging to me. Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. ( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ). ( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. ( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection. ( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection. ( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section. ( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices. ( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ). ( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly. ( g ) Dispute process for veterans medical debt ( 1 ) In general With respect to a veterans medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran. ( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veterans medical debt. ( 3 ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
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04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 07 XXXX XXXX UNIVERSITY XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX Original Creditor : 01 XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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05/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DEPT OF ED/XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the inaccurate information on my credit report. My name, XXXX XXXX XXXX, has been incorrectly reported as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX by the credit reporting agencies. Additionally, there are multiple incorrect addresses listed, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX.
The inaccurate reporting of my name and addresses has had a severe impact on my life. I have been denied credit, employment, and even housing due to the false information on my credit report. I have had to explain to potential employers and landlords why my credit report contains incorrect information, causing unnecessary stress and embarrassment.
These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e and 1681i. The credit reporting agencies have failed to maintain reasonable procedures to ensure the accuracy of the information contained in my consumer report and have failed to investigate and correct inaccuracies in a reasonable time.
Furthermore, the inaccurate reporting of my addresses and failure to truncate credit card and social security numbers in consumer reports also violate the Fair and Accurate Credit Transactions Act ( FACTA ) section 605 ( g ).
The following inquiries have been made without my authorization or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have carefully reviewed my credit report and found that these inquiries were made without my knowledge or permission. As per the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), these inquiries must have a permissible purpose, and I have not authorized any of these entities to access my credit report.
These unauthorized inquiries have significantly impacted my credit score and have made it difficult for me to obtain credit when I need it. This has caused me a great deal of emotional and financial distress. It has been very challenging for me to manage my finances and maintain a good credit standing because of these unauthorized inquiries.
I am requesting that the credit reporting agencies investigate these inquiries and remove them from my credit report as they are not permissible under FCRA and FACTA. Additionally, I would like to request the name of the entity that made the inquiry, the date of the inquiry, and the permissible purpose for the inquiry as required by FACTA section 313.
I urge you to take swift action to enforce the legal requirements set forth in FCRA and FACTA to protect consumers from unauthorized inquiries that can negatively impact their credit standing. Please let me know the outcome of your investigation and the steps taken to resolve this matter.
XXXX XXXX According to all three credit bureaus, I was 120 days late on XX/XX/XXXX, but I have not missed any payments on this account. Furthermore, there are discrepancies in the dates and information listed on my credit report across the three major credit bureaus, which may indicate inaccuracies or inconsistencies that violate sections of the FCRA.
As a result of these inaccuracies, my credit score has been negatively impacted, which has caused significant stress and hardship in my life. I have been denied credit and have been unable to secure a loan to buy a car or a home. This has prevented me from achieving my financial goals and has caused immense emotional distress for me and my family.
I believe that XXXX has provided inaccurate information to the credit bureaus, and that the bureaus have failed to follow reasonable procedures to ensure the accuracy of the information. Therefore, I am requesting that XXXX remove any negative marks on my credit report that were a result of the inaccurate reporting.
XXXX XXXX XXXX, account number XXXX. According to all three credit bureaus, I was reported as 30 days late on XX/XX/XXXX, despite not missing any payments on this account. Moreover, there are discrepancies in the dates and information listed on my credit report across the three major credit bureaus.
This inaccurate reporting has had a significant impact on my life. Due to the negative mark on my credit report, I have been denied credit, faced higher interest rates on loans, and had difficulty securing housing. As someone who has always been financially responsible, this has been devastating for me.
Based on the information provided, there may be potential violations of the Fair Credit Reporting Act ( FCRA ) related to the reporting of inaccurate information by XXXX XXXX XXXX XXXX XXXX credit bureaus. Under FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. Section 611 requires that consumers have the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider ( in this case, XXXX XXXX XXXX XXXX XXXX
Additionally, FCRA section 623 requires that consumer reporting agencies investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years.
According to all three major credit bureaus, I was 30 days late on my XXXX account on XX/XX/XXXX. However, I have never missed any payments on this account. The discrepancies in the dates and information listed on my credit report across the XXXX major credit bureaus have caused a lot of distress in my life.
In particular, the inaccurate information has affected my ability to obtain loans and credit, and has caused me a great deal of emotional stress. I have worked hard to maintain a good credit score, but the false negative mark on my credit report has made it difficult for me to achieve my financial goals.
Based on the potential violations of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide me with the results of your investigation. Specifically, XXXX may have provided inaccurate information to the consumer reporting agencies, and the agencies may have failed to follow reasonable procedures to ensure the accuracy of the information.
Under FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. Section 611 requires that consumers have the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider ( in this case, XXXX ).
In addition, FCRA section 623 requires that consumer reporting agencies investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years.
According to all three major credit bureaus, I was 30 days late on my XXXX account on XX/XX/XXXX. However, I have never missed any payments on this account. The discrepancies in the dates and information listed on my credit report across the three major credit bureaus have caused a lot of distress in my life.
In particular, the inaccurate information has affected my ability to obtain loans and credit, and has caused me a great deal of emotional stress. I have worked hard to maintain a good credit score, but the false negative mark on my credit report has made it difficult for me to achieve my financial goals.
Based on the potential violations of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide me with the results of your investigation. Specifically, XXXX may have provided inaccurate information to the consumer reporting agencies, and the agencies may have failed to follow reasonable procedures to ensure the accuracy of the information.
Under FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. Section 611 requires that consumers have the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider ( in this case, XXXX ).
In addition, FCRA section 623 requires that consumer reporting agencies investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years.
XXXX, XXXX and the consumer reporting agencies, XXXX XXXX Equifax XXXX and XXXX , may have violated sections of the Fair Credit Reporting Act ( FCRA ).
As per FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. However, the information on my credit report regarding the Date of Last Activity, Date Reported, Date Opened, and Last Payment date is inconsistent and inaccurate.
Additionally, as per FCRA section 611, I have the right to dispute any inaccurate or incomplete information with both the consumer reporting agency and the information provider. Therefore, I request that XXXX review their records and verify the accuracy of the information they provided to the consumer reporting agencies.
Furthermore, FCRA section 623 requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation. The discrepancies in the dates reported by XXXX, Equifax, and XXXX may indicate a failure on the part of the consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information.
XXXX XXXX account. I have noticed discrepancies in the information provided by XXXX and Equifax, which has negatively impacted my credit score and affected my ability to secure loans and other financial opportunities.
According to XXXX and Equifax, I was 90 days late on XX/XX/XXXX, but I have not missed any payments on this account. Additionally, there are inconsistencies in the dates reported by XXXX and Equifax regarding the Date of Last Activity, Date Reported, Date Opened, and Last Payment date.
These discrepancies have caused me undue stress and XXXX, as I have been working hard to maintain a good credit score to achieve my financial goals. My family and I have been struggling financially due to the XXXX pandemic, and the inaccuracies in my credit report have made it difficult for us to secure loans and other financial assistance when we needed it the most.
I urge you to enforce the legal requirements under FCRA section 607, which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of information in consumer reports, FCRA section 611, which grants consumers the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider, and FCRA section 623, which requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation.
XXXX XXXX on my credit report. Specifically, I am concerned about the inaccuracies in the Date of Last Activity, Date Reported, and Date Opened that have been reported by XXXX, Equifax, and XXXX.
According to XXXX and Equifax, the Date of Last Activity for my account is XX/XX/XXXX, but XXXX is reporting it as XX/XX/XXXX. Additionally, XXXX and Equifax have reported the Date Reported as XX/XX/XXXX, while Equifax is reporting it as XX/XX/XXXX. Moreover, XXXX and Equifax have reported the Date Opened as XX/XX/XXXX, whereas XXXX is reporting it as XX/XX/XXXX.
These discrepancies in the information being reported have had a significant negative impact on my credit score, making it difficult for me to secure loans or credit cards at reasonable rates. As a result, I have been unable to obtain financing for important purchases and have been forced to rely on high-interest loans, which has caused a great deal of financial strain.
I am writing to request that XXXX remove this unverified account from my credit report, as it is having a detrimental effect on my financial well-being. I also want to emphasize that the inaccuracies in my credit report are in violation of FCRA section 607, which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of information in consumer reports, and FCRA section 623, which requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation.
XXXX XXXX account XXXX. The information being reported by XXXX, XXXX, and Equifax is inconsistent, which suggests that there may be inaccurate information being reported. This could be a violation of the Fair Credit Reporting Act ( FCRA ) sections 607 and 623.
FCRA section 607 requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of information in consumer reports. In this case, the inconsistencies in the dates reported by the consumer reporting agencies for my account with XXXX XXXX suggest that there may be inaccurate information being reported.
FCRA section 623 requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past XXXX years. If there is inaccurate information being reported, the consumer has the right to dispute it with the consumer reporting agency and request that it be corrected or removed from their credit report.
Specifically, the XXXX account XXXX is being reported with inconsistencies in the dates of last verified, date of last activity, date opened, and account status.
These inconsistencies suggest that there may be inaccurate information being reported, which is a violation of FCRA section 607. Additionally, the inconsistent reporting of the account status may also be a violation of this section. I have been negatively impacted by these inaccuracies, as they have affected my creditworthiness and ability to secure loans and credit.
I have attempted to resolve this issue with both XXXX and XXXX, but have not received satisfactory results. As such, I am requesting that you enforce the legal requirements under FCRA section 623 and investigate this dispute. I also request that you require the creditor to remove these unverified accounts from my credit report.
XXXX, account number XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ) section 809, debt collectors are required to provide a written notice to consumers within five days of their initial communication that includes the amount of the debt, the name of the creditor, and a statement informing the consumer that they have 30 days to dispute the debt. However, I never received any such notice from XXXX, and they did not notify me when they sold my account to a collection agency.
This lack of notification has caused me significant stress and XXXX. I have always been diligent about paying my bills on time, and it is devastating to discover that I have a collection account on my credit report that I was never aware of. This has greatly impacted my ability to obtain credit and has caused me to be denied for loans and credit cards.
Furthermore, I have noticed that the account status is being reported as " open '' when it should be reported as " closed '' or " in collections. '' This may be a violation of the Fair Credit Reporting Act ( FCRA ) section 623, which requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years.
I request that XXXX remove this unverified account from my credit report immediately, as it is inaccurate and causing harm to my creditworthiness. I also request that the collection agency be investigated for their failure to provide me with a written notice as required by the FDCPA.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
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10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
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According to the Fair Credit Reporting Act 15 U.S. Code 1681b ( a ) it states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX, XXXX, and Equifax are the reporting agencies, and I am the consumer. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 12 CFR 1022.3 - Definitions it states ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.. I did not give the authority for any of the three ( 3 ) credit reporting agencies written consent to have anything added to my consumer report. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 6801 it states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have the right to make sure my private information isn't shared. This violation applies to Accounts 3 & 12-17 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 1681- Congressional findings and statement of purpose it states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These unfair credit reporting methods undermine my confidence in continued functioning of the banking system. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information it states ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 6802 it states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; None of the three consumer reporting agencies have disclosed in writing or in electronic form permitted under section 6804 of this title, that such information may be disclosed to such third party. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts XXXX in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and. I was not given the opportunity to direct the information to not be disclosed to such third party. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 6802 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given an explanation of how to exercise that option this is a single violation.
In 15 U.S. Code 6802 ( 2 ) with the consent or at the direction of the consumer. I have not given my consent nor was this done at my discretion. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 6803 - Disclosure of institution privacy policy it states ( a ) At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to '' ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 3 ) protecting the nonpublic personal information of consumers. I have not received a disclosure annually from any of the three consumer reporting agencies that provides a clear and conspicuous disclosure in writing or in electronic form with respect to what is stated in ( 1 ) and ( 3 ). This violation applies to each year since establishment of a customer relationship on XX/XX/XXXX as stated in Account 3 in the Revolving Credit Accounts Section ( Page 8 ).
In 15 U.S. Code 1681a - Definitions ; rules of construction it states ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;. I was not given the opportunity, before the time that the information was initially communicated to direct that such information to not be communicated among such persons. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts XXXX in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This violation applies to Revolving Credit Accounts section ( Page 8 ) Accounts 1-6 as these accounts are reporting an Account Balance which reflects utilization, this is reporting transactions and should not be on my consumer report.
In 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports it states ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.. This violation applies
to Account 1 in the Derogatory Information section ( Page 72 ) & to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX as these are not convictions of crimes.
15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
This applies to Account 1 in the Derogatory Information section ( Page 72 ) & to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX This also applies to Accounts 3 & 12-17 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 1681e - Compliance procedures it states ( a ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports the consumer reporting agencies are also violating compliance procedures under this title. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation applies to Accounts 3 & 12-17 in the Installment Credit XXXX XXXX XXXX Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In the Privacy Act of 1974 5 U.S. Code 552a - Records maintained on individuals, the term record is defined as ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ;. In ( b ) it states CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. This further proves that the consumer reporting agencies need prior written instruction of the individual to whom it relates, and I have not given them written consent for such actions. This violation also applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation will apply to Account 40 in the Installment Credit Accounts section ( Page 20 ). This violation applies to Accounts 3 & 12-17 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 31 U.S. Code 3711 - Collection and compromise it states ( e ) ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and. Not only have the XXXX reporting agencies violated the Fair Credit Reporting Act, but they have also violated the Privacy Act of 1974. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation applies to Accounts 3 & 12-17 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 20 U.S. Code 1232g - Family educational and privacy rights it states ( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. This violation applies to Accounts 3 & 12-17 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) & to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX as these accounts do not belong to me.
In 16 CFR 313.4 Initial privacy notice to consumers required it states When you establish a customer relationship ( 1 ) General rule. You establish a customer relationship when you and the consumer enter into a continuing relationship. I never received such notice this is a violation, 15 U.S. Code 6803 - Disclosure of institution privacy policy was violated therefore this was also violated ; this is a single violation.
In 16 CFR 313.5 Annual privacy notice to customers required. ( a ) In general ( 1 ) General rule. Except as provided by paragraph ( e ) of this section, you must provide a clear and conspicuous notice to customers that accurately reflects your privacy policies and practices not less than annually during the continuation of the customer relationship. Annually means at least once in any period of 12 consecutive months during which that relationship exists. You may define the 12-consecutive-month period, but you must apply it to the customer on a consistent basis. 15 U.S. Code 6803 - Disclosure of institution privacy policy was violated therefore this was also violated. This violation applies to each year since establishment of a customer relationship on XX/XX/XXXX as stated in Account 3 in the Revolving Credit Accounts Section ( Page 8 ).
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03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : ( Original Creditor : ) XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : ACCOUNT NUMBER : STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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05/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( XXXX ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
( XXXX ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( XXXX ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( XXXX ) Consideration of consumer information In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information.
( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( XXXX ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( XXXX ) ( A ) by the deletion of the disputed information by not later than XXXX business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( XXXX ) ( A ), then the agency shall not be required to comply with paragraphs ( XXXX ), ( XXXX ), and ( XXXX ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than XXXX business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( XXXX ) Treatment of complaints and report to XXXX ( XXXX ) In general The Commission [ XXXX ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( XXXX ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the XXXX XXXX XXXX XXXX of 2010 shall not be subject to paragraph ( XXXX ).
( XXXX XXXX Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( XXXX ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( XXXX ) Rulemaking authority The XXXX may prescribe regulations, as appropriate to implement this subsection.
( XXXX ) Annual report The XXXX shall submit to the XXXX on XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX of the House XXXX XXXX an annual report regarding information gathered by the XXXX under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( XXXX ) Exemption from general reinvestigation requirement Except as provided in paragraph ( XXXX ), a reseller shall be exempt from the requirements of this section.
( XXXX ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within XXXX business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( XXXX ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( XXXX ) ( A ) the notice by the consumer reporting agency under paragraph ( XXXX ), ( XXXX ), or ( XXXX ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( XXXX ) ( A ).
( XXXX ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
( g ) Dispute process for XXXX XXXX XXXX ( XXXX ) In general With respect to a XXXX XXXX debt, the veteran XXXX submit a notice described in paragraph ( XXXX ), proof of liability of the Department XXXX XXXX XXXX for payment of that debt, or documentation that the Department XXXX XXXX XXXX is in the process of making payment for authorized hospital care, XXXX XXXX, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran.
( XXXX ) Notification to veteran The Department XXXX XXXX XXXX XXXX submit to a veteran a notice that the Department XXXX XXXX XXXX has assumed liability for part or all of a XXXX XXXX debt.
( XXXX ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( XXXX ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
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03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors a
nd have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : CREDIT COLL ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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SLANDER, DEFIMANTION, HARRASSMENT, IDENTIY THEFT & LIBEL Within the past 15 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a new company called the XXXX XXXX XXXX has created a new identity theft account with slander defamation libel harassment. As stated before i, XXXX XXXX XXXX and XXXX XXXX XXXX has no accounts, mortgage, loans, and such the like with said companies rather for the past few weeks this information continues to appear upon my credit report when i have not credit history loans and such the like for this fraudulent mortgage. This mortgage was paid off in full XX/XX/XXXX via XXXX XXXX whom was aquired by XXXX XXXX XXXX d.b.a as XXXX in XX/XX/XXXX. XXXX to cover their behinds sold this fraudulent mortgage servicing thereto XXXX XXXX XXXX XXXX XX/XX/XXXX and thereto after being sued in state and now federal court transferred and or sold this fraud loan thereto a new company called XXXX XXXX XXXX XXXX. This is an attempt to relieve themselves from the lawssuits filed herein this matter and shall continue until it Ceases to exist in the claimants names. On XX/XX/XXXX XXXX XXXX XXXX attempted to file a report to the credit agencies as paid as agreed, thereafter XXXX XXXX XXXX XXXX tried to do the same on XX/XX/XXXX and one week later this new company XXXX XXXX XXXX XXXX. Whereas there is no contracts between claimants and said banks.
Please remove these items therefrom the claimants credit report or face being added thereto this lawsuit. We have no records of a loan with neither of these companies and they where given a QWR to file but did not do so. Such has been presented are forged documents and such the like. The claimants herein have disputed these actions for the past few years and there is no facts in their fraudulent filings with these agencies lenders servicers and such the like.
Somehow XXXX has allowed XXXX XXXX XXXX newly added hereto as well XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/ XXXX/ XXXX and XXXX file fraudulent information on the secured party and creditor Aka the real party in interest i, woman, XXXX XXXX XXXX, and XXXX XXXX XXXX re-presents a complaint against the Defendants herein this day as to Harassment Slander Defamation and libel. They have the wrong address and the wrong persons. The names presented upon debt and or mortgage is XXXX XXXX XXXX and XXXX XXXX XXXX. Banks aka the Defendants have illegally contacted Plaintiffs requesting monies unproven to be owed without show of cause and proper documentation. Also Plaintiffs have notice multiple attempts of XXXX XXXX XXXX XXXX. Mortgage Division has sold or transferred the alleged information that of the Plaintiffs without consent, rights thereto, and proper information. Upon multiple request, Plaintiffs had given the Defendant XXXX XXXX XXXX. and employees Qualified Written Request to be filed and that with accuracy thereto the Plaintiffs private and personal property. Be it known this is not about a attempt to foreclose but the threat of such without proper and legal access thereto the Plaintiffs private property located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ].
In fact Defendant XXXX XXXX mailed emailed and such the like provided documents thereto the Plaintiffs with incorrect information with the names and address of XXXX XXXX XXXX and XXXX XXXX XXXX. Based upon the letters presented approximately on four different occasions, Defendant XXXX XXXX has contacted the Plaintiffs without show cause and proof of a debt. But rather continued to threatened the Plaintiffs and their land and home. Thereafter the Plaintiffs filed a complaint against XXXX XXXX XXXX for identity theft and forgery approximately XX/XX/XXXX and the court hearing was held XX/XX/XXXX. The Defendant was notified but as usual ignored the notice. Soon after the court date and filings of such records with the court XXXX XXXX XXXX. and employees not limited thereto XXXX a subsidiary and or acquired bank whom also alleged rights to the Plaintiffs home property and land falsely. Such employees where contacting the Plaintiffs via USPO mail such as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX all currently employed therewith XXXX XXXX XXXX. whom also where employed with XXXX before XXXX XXXX squired them during the housing market crash and as well the same employees are believed and proven to have worked with XXXX XXXX XXXX d.b.a. XXXX XXXX XXXX whom was forced out of business by the California Corporations Commissioner on or around XX/XX/XXXX, due to fraud, revoking a license they failed to obtain before doing business in the housing and mortgage markets therein XXXX XXXX County or the State Of California. XXXX XXXX XXXX is currently doing business under the name XXXX XXXX XXXX XXXX. Said company has been fined by government agencies for resurfacing under a new name. The law states that a Mortgage and all documents therein must be signed by both parties present. The new law is intended to expand the federal government 's capability to prosecute mortgage fraud, securities and commodities fraud, and other frauds related to federal assistance and relief programs. Prosecuting Mortgage Fraud Cases as Bank Fraud. By amending the definition of financial institution to include a mortgage lending business, as a result, convictions for mortgage fraud can now carry a 30-year maximum prison sentence or a maximum {$1.00} million fine, or both. Even more importantly, mortgage fraud cases will now have a 10-year statute of limitations, as opposed to the 5-year statute of limitations for other frauds, which will give federal prosecutors much more time to develop such cases. IDENTITY THEFT - The Plaintiffs believes that XXXX XXXX XXXX obtained their information from public records via XXXX XXXX County Registrar Office either in XXXX Ca and or within said offices therein the State Of California. This information was illegally sold thereto XXXX whom hired XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, formerly of XXXX XXXX. For XXXX XXXX employees XXXX XXXX XXXX along with a notary by the name of XXXX XXXX filed a illegal Mortgage Document thereon or about XX/XX/XXXX, and again XXXX XXXX XXXX filed a document therein the same government agency on or about XX/XX/XXXX. This was done by appearing therein the County Registrar Office and obtaining private and personal information. Basically the Defendants in tort be it XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX. used these fraudulent documents and created an instrument aka a mortgage loan unbeknownst thereto the Plaintiffs until on or about XX/XX/XXXX. On XX/XX/XXXX, President Obama signed into law the Fraud. The new law is intended to expand the federal governments capability to prosecute mortgage fraud, securities and commodities fraud, and other frauds related to federal assistance and relief programs, such as the Troubled Assets Relief Program. HARASSMENT - After the company XXXX XXXX XXXX now doing business as XXXX XXXX XXXX XXXX, had obtained the Plaintiffs Private and personal information they called the Plaintiffs making fraudulent unbelievable offers to refinance, when the home owners [ Plaintiffs ] said no, and was no longer interested due to the issues presented that was too good to be true, they XXXX XXXX XXXX then forged documents and allegedly sold them to XXXX unbeknownst thereto the Plaintiffs until XX/XX/XXXX. Nothing appeared thereon their credit reports until XX/XX/XXXX, not limited to a unknown lien by way of a credit card from XXXX XXXX XXXX. whom alleged a debt that was XXXX filed in XX/XX/XXXX and agreed upon such in XX/XX/XXXX when the debt was to be XXXX. XXXX XXXX not limited thereto employees filed a lawsuit against XXXX XXXX XXXX Plaintiff in order to place the lien upon the home because the property had no liens no mortgage assignments thereafter PAID IN FULL with XXXX XXXX XXXX XXXX in XX/XX/XXXX, whom was suddenly acquired by XXXX XXXX in XX/XX/XXXX with the Plaintiffs information private and no consent to do any business therewith XXXX XXXX XXXX. More over the only name on the home was that of XXXX XXXX XXXX, not XXXX XXXX XXXX as recorded in the Deeds records and such the like. None the less XXXX XXXX XXXX. not limited to employees added his name to newly created documents. Thereafter XXXX began contacting the Plaintiffs requesting payments late payments and back payments of monies owed that was not proven such a mortgage existed. Thereafter XXXX Produced a Mortgage document with the names that look like the Plaintiffs but was not that of the Plaintiffs. XXXX XXXX XXXX did not appear thereon the documents as well nor did XXXX XXXX XXXX. During the complaint initiation filed with XXXX XXXX XXXX. and later with the CFPB in XX/XX/XXXX the SEC, OCC and such the like agencies that regulated such banks in actions therein. Also contacting neighbors and family members embarrassing the Plaintiffs by stating in writing that they the Plaintiffs do not like to pay the debts. As well reporting it thereto credit agencies and bureaus such as XXXX, Equifax, XXXX and others. Such was ignored and other failed attempts deleted from the credit reports of the Plaintiffs as of XX/XX/XXXX. XXXX XXXX also reported this information thereto XXXX XXXX Trustee and such the like, whom in response to the Plaintiffs by XXXX, whom stated in a letter XX/XX/XXXX, this debt is real and still owed. SLANDER & LIBEL - The Plaintiffs have no record contracts with XXXX XXXX XXXX. Plaintiffs recall having credit cards with XXXX XXXX XXXX. whereas they believe other private old or new information was attained and used to harass Plaintiffs in order to create a mortgage contract by said bank not limited to employees and acquired banks therein. Slander is mentioning someones personal and private business thereto others without proof facts truth and such the like. The action, or crime, of making a false spoken statement damaging to a person 's reputation. Such was done when XXXX XXXX XXXX. made multiple attempts to record this information with the XXXX XXXX County Registrar Office, Courts, and other agencies such as the XXXX XXXX County Tax Accessor and more. Libel is a published false statement that is damaging to a person 's reputation ; a written defamation. Code of Civil Procedure - CCP 170.6. ( 1 ) A judge, court commissioner, or referee of a superior court of the State of California shall not try a civil or criminal action or special proceeding of any kind or character nor hear any matter therein that involves a contested issue of law or fact when it is established as provided in this section that the judge or court commissioner is prejudiced against a party or attorney or the interest of a party or attorney appearing in the action or proceeding. home owners and customers are now APPELLANTS STATEMENTS OF FACTS - The Plaintiffs filed accordingly thereto the laws within these United States thereto serving all Defendants herein mentioned within said complaint and claim [ s ] and all where served on or about XX/XX/XXXX. Judge XXXX XXXX XXXX duty sworn under oath has failed himself by not reading the briefs, complaint claims and recusals not limited thereto disqualifications as to attorneys creating confusion as to who they are and to what they are doing. No answers where filed, no notices of appearances, they the Defendants attorneys just showed up with a notice of removal on XX/XX/XXXX filed alleging that they filed it on XX/XX/XXXX XXXX well after the Plaintiffs filed their Motion for Default Judgement and hearing set on XX/XX/XXXX. ARGUMENT - Plaintiffs have filed this complaint on XX/XX/XXXX. Plaintiffs amended, and released XXXX XXXX XXXX on or about XX/XX/XXXX. All Defendants where served on or about XX/XX/XXXX. All Defendant minus [ XXXX ] XXXX XXXX XXXX XXXX. defaulted on or about XX/XX/XXXX when the Plaintiffs filed their Motion For Default Judgment hearing paid for and set forth on XX/XX/XXXX XXXX. The Defendants failed to file with the courts on or about the 30 days of receiving the summons and complaint and chose to delay by filing only an answer therein District State Court Central Division on or about XX/XX/XXXX and or about XX/XX/XXXX. By doing this at this time means they defaulted. All Defendants listed herein this amended and original complaint are responsible for they too did respond with letters and therein court by removal and such the like of Plaintiffs case, they are not being sued erroneously for their involvement are as follows ; XXXX Trustee Services and such the like claims to be the Trustee, and supported this fact by way of multiple letters. MERS aka Mortgage electronic Registration System claims to be the Nominee and beneficiary without legal rights to land or property but known as a online record keeper of Mortgages. XXXX XXXX claims to be the servicer and owner of said mortgage alleged created out of identity theft and forgery creating the slander defamation and libel case herein. XXXX XXXX XXXX XXXX and such the like claimed to be the new debt ollector as of XX/XX/XXXX and supported this fact with letters sent to the Plaintiffs home. XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX by way of XXXX XXXX alleged to have originated the loan and the documents where recently produced and mailed to the Plaintiffs home property and land on XX/XX/XXXX, by attorney in representation. XXXX XXXX XXXX XXXX alleged to have acquired the fraudulent mortgage from XXXX XXXX XXXX as of XX/XX/XXXX unbeknownst thereto the Plaintiffs until XX/XX/XXXX, whereas four years later XXXX supported this fraud by sending letters stating that a debt or a mortgage was owed due to their acquisition of XXXX in XX/XX/XXXX. This is abiding therein the Statute Of Limitations for the ten year period this has been going on. STATEMENT OF APPEALABILITY This appeal is from the judgment of the XXXX XXXX County Superior Court and is authorized by the Code of Civil Procedure, section 904.1, subdivision ( a ) ( 1 ). ( a ) An appeal, other than in a limited civil case, is to the court of appeal. An appeal, other than in a limited civil case, may be taken from any of the following : ( 1 ) From a judgment, except an interlocutory judgment, other than as provided in paragraphs ( 8 ), ( 9 ), and ( 11 ), or a judgment of contempt that is made final and conclusive by Section 1222. ( 2 ) From an order made after a judgment made appealable by paragraph ( 1 ). ( 3 ) From an order granting a motion to quash service of summons or granting a motion to stay the action on the ground of inconvenient forum, or from a written order of dismissal under Section 581d following an order granting a motion to dismiss the action on the ground of inconvenient forum. ( 4 ) From an order granting a new trial or denying a motion for judgment notwithstanding the verdict. ( 5 ) From an order discharging or refusing to discharge an attachment or granting a right to attach order. ( 6 ) From an order granting or dissolving an injunction, or refusing to grant or dissolve an injunction. ( 7 ) From an order appointing a receiver. ( 8 ) From an interlocutory judgment, order, or decree, made or entered in an action to redeem real or personal property from a mortgage thereof, or a lien thereon, determining the right to redeem and directing an accounting. ( 9 ) From an interlocutory judgment in an action for partition determining the rights and interests of the respective parties and directing partition to be made. ( 10 ) From an order made appealable by the Probate Code or the Family Code. ( 11 ) From an interlocutory judgment directing payment of monetary sanctions by a party or an attorney for a party if the amount exceeds five thousand dollars ( {$5000.00} ). ( 12 ) From an order directing payment of monetary sanctions by a party or an attorney for a party if the amount exceeds five thousand dollars ( {$5000.00} ). ( 13 ) From an order granting or denying a special motion to strike under Section 425.16. ( 14 ) From a final order or judgment in a bifurcated proceeding regarding child custody or visitation rights ( b ) Sanction orders or judgments of five thousand dollars ( {$5000.00} ) or less against a party or an attorney for a party may be reviewed on an appeal by that party after entry of final judgment in the main action, or, at the discretion of the court of appeal, may be reviewed upon petition for an extraordinary writ. As for XXXX XXXX XXXX all the credit agencies know that he have no record of ever having a mortgage and such was the reason for the lower score less than 750 rating. Therefore never having a mortage without proof facts and evidence other than forged identity theft documents only creates such complaints toward the credit agency that of XXXX and others.
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04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : No Name on Report ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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02/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT 1. This Affidavit of Truth is made pursuant to Fair Credit Reporting Act as codified at 15 U.S. Code 1681 which stipulates that a consumer reporting agency must, if requested, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.
a ) appropriate proof of the identity of the consumer ; b ) a copy of an identity theft report ; c ) the identification of such information by the consumer ; and d ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
2. ) I, a consumer in fact, agree with The Congress Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) which concluded that the banking system is dependent upon FAIR and ACCURATE credit reporting. Unfair credit reporting methods undermine the confidence of the public, which is essential to the functioning of our banking system. However, you have acted unfair by reporting unverified and inaccurate information without investigating me about the alleged transactions, and only taking one side of the story. That doesnt sound fair.
3. ) I, a consumer in fact, agree with The Congress that youre nothing but an elaborate mechanism, developed to discriminate against me, based on the evaluation of my credit worthiness, character, and reputation Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ). Congress is letting me know here that you truly are NOBODY.
4. ) Take Notice that Pursuant to 15 U.S. Code 1681 ( a ) ( 3 ), you have only assumed this vital role to evaluate my consumer report, without having any real authority or consent by the consumer to do so ; 5. ) Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), you have failed to exercise your grave responsibilities with fairness, impartiality, and a respect for my consumer right to privacy ; 6. ) Pursuant to 15 U.S. Code 1681 ( b ) consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce. Accuracy is about equity and must be equitable to the consumer. Must be fair on both sides, but you werent acting fair when in your initial investigation, you failed to contact me to ask about the alleged transactions, when I am the only individual with actual first-hand knowledge, but only decided to take one side of the story.
Pursuant to The Fair Debt Collections Practices Act, the following proofs of claim are requested : 1. ) Proof of claim : The Alleged Lenders involved in the alleged loans, did not purchase the promissory note from the consumer, hereinafter the Alleged Borrower. If not rebutted, this statement stands as truth 2. ) Proof of claim : The Alleged Borrowers may repay the alleged loan with the same species of money as may be on the loan per XXXX, ending all interest and liens. If not rebutted, this statement stands as truth.
A. Proof of claim : The Alleged Lender converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower ( which has an economic effect similar to stealing, counterfeiting, and swindling. ) If not rebutted, this statement stands as truth.
B. Proof of claim : The Alleged Lender has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. If not rebutted, this statement stands as truth.
C. Proof of claim : The Alleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value, and they pursued to securitize it! If not rebutted, this statement stands as truth.
Please provide me with the below mentioned items : * The amount you claim the Principal owes you.
* IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge.
* Full accounting ledger.
* All legal documents.
* An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount.
* The identity of the original creditor.
* Confirmation that the account has not crossed the statute of limitation ( SOL ) period.
* Evidence that you are a licensed debt collector.
* Evidence of your license numbers and your registered agent.
FACTS ON THE MATTER : 1. Fact, I so invoke nunc pro tunc, Pursuant to 15 U.S.C. 1681a ( c ) declare that I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in Due course of any and all derivatives thereof for the surname/given name and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will autograph as the agent, attorney in fact, and I furthermore Demand that you correct your reporting.
2. Fact, Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a VIOLATION of my consumer right.
3. It is a Fact that Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.
4. It is a Fact that Pursuant Title 15 USC 1681a ( e ) - The production of an " investigative consumer report '' involves obtaining information about a consumer 's character, reputation, personal characteristics, or lifestyle through personal interviews with their neighbors, friends, associates, or others who may have knowledge of the consumer. This information is used to form a report that provides a comprehensive understanding of the consumer.
5. Fact, I the consumer, original creditor do so extend my open ended credit on file to eliminate any verified debt, all valid debt must be verified and documented on record by wet ink signature, so be it, and ; 6. Fact, that I by this notice and demand declare I have no verified evidence for certified mailings, and again for the record, I have absolutely no knowledge of the alleged debts listed on your website, company records, or any and all derivatives therefore, of, and/or with any affiliates or agencies acting as a real party or a third party interlopers, I again state I have no knowledge of this indirect, unverified, debt, so be it, and ; 7. Fact, I am an eyewitness to the information by allegations against my name being incorrect, and I demand the documented verification of any and all derivatives for an alleged debt for any such debts alleged to be mine the consumer in fact, so be it, and ; 8. I do not know any of the alleged creditors and debt collectors, so be it, and ; 9. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds, so be it, and ; 10. Fact, I know that no valid direct verified contracts exist with me and another party by wet ink signature, I know that any attempt to collect a debt is actually alleged indirect action, please verify and document all verifications, accordingly, so be it, and ; 11. Fact, all allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud, so be it, and Demand that you stop sending me fraudulent bills and ; 12. Fact, my request to block information that is fraudulent, and a result of identity theft was not done in error.
13. Fact, my request to block information was not a material misrepresentation.
14. Fact, I never benefited or obtained goods, services, or money from the alleged transactions.
15. Fact, Pursuant to FCRA 605B & 15 USC 1681 c-2, when a block imposed by a consumer reporting agency is rescinded, any information present in the consumer 's file prior to the block can not be considered as proof of the consumer 's knowledge or expectation of obtaining goods, services, or money due to the block.
16. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; 17. Fact, In order to ensure a thorough investigation is conducted, it is important to gather as much information as possible from a variety of sources. This includes obtaining full names and addresses of all individuals interviewed, as well as a detailed account of what was said during the interviews. Additionally, it is important to confirm the method used to verify the information obtained during the interviews, as this helps to ensure the accuracy and reliability of the information included in the report.
18. Fact, It is also important to note that the Fair Credit Reporting Act ( FCRA ) regulates the production of consumer reports, including investigative consumer reports. The FCRA sets strict guidelines for the information that can be included in a consumer report, as well as the methods used to obtain that information. Under the FCRA, companies producing consumer reports are required to conduct a reasonable investigation and to provide consumers with a copy of the report if requested. They must also provide the consumer with information about the sources of the information included in the report.
19. Fact, the production of an investigative consumer report requires a thorough investigation to ensure the accuracy and reliability of the information included in the report. The FCRA provides the legal framework for the production of consumer reports and helps to ensure that consumers are protected against the dissemination of inaccurate or incomplete information.
20. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any corporate affiliates like XXXX, XXXX or Equifax to ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, or I will be compelled to take legal steps against you for the below mentioned reasons ( Violation of the Fair Credit Reporting Act ( F.C.R.A. ) ; Violation of the F.D.C.P.A. ; Defamation of character ; Use of my copyrighted property ), so be it, and ; 21. Fact, I am not a debtor.
22. Fact, A copy of consumer contract is not sufficient evidence to validate a debt.
( Reference- Pacific Concrete F.C.U. v. Kauanoe 62 Haw. 334 614 P.2d 936 ( 1980 ) ).
23. Fact, natural person defined see 15 U.S.C. 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt., so be it, and ; 24. Fact, natural person defined see 15 U.S.C. 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another, so be it, and ; 25. It is a fact that Credit is defined in 15 USC 1602 ( f ) as The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ; 26. Fact, as an executive of a Private U.S. Estate any fractional notes, certificates of deposit, bills, checks, or drafts for money drawn or authorized by my signature as an authorized officer of the United States IS an obligation of the UNITED STATES to settle ; not mine!
27. Fact, that according to the congressional findings in 15 USC 1692 on Abusive Practices it states that There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy ; I believe that my privacy is being violated by your company, and ; 28. As of XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, Equifax, XXXX, and XXXX, before first contacting the consumer ; 29. Fact, Actual damages are not capped at {$1000.00}. ( Reference- XXXX XXXX XXXX offices of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ) 30. Fact, If this affidavit is not rebutted point for point by a duly qualified representative of Consumer Reporting Agency at any level, in any manner, at any time within ( 5 ) five days upon receipt, these facts are proven and confirmed as true.
I hereby Demand! That you BLOCK AND REMOVE the following accounts from my consumer file. Take further notice that your failure to follow these laws and meet my demands will result in holding your company civilly and criminally liable and invoking specified remedies under Title 15 including but not limited to FCRA violations, TILA violations, FDCPA violations, and I will seek reimbursement for all my damages.
Any man or woman responding to this affidavit will answer in the manner of this affidavit, using your XXXX or family name for signature, and mailing it to the below named notary, address provided, within five ( 5 ) days, or default will be obtained. If more time is needed to respond to this request, it must be requested in writing within five ( 5 ) days of receipt.
MAXIMS OF LAW 1. In Commerce- Truth is sovereign.
2. For a matter to be resolved, it must be expressed.
3. Point of Law : Silence equates to an agreement.
Further Affiant sayeth not.
TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a 1. The term consumer means an individual.
2. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility 3. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer when such information was obtained directly from a creditor of the consumer or from the consumer.
4. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
5. The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
You have 4 business days from the receipt of this notice to block and remove all fraudulent items and remarks from my consumer file or I may seek damages Pursuant to 15 U.S. Code 1681m. Additionally, I DO NOT consent to any automated scan response or e- Oscar verification methods.
CERTIFICATION I certify under penalty of perjury under the laws of the United States of America pursuant to 28 USC 1746 ( 1 ) that the foregoing is true and correct.
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03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX ) ACCOUNT NUMBER:XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER:XXXX COLLECTION AGENCY : CREDIT COLL ( Original Creditor : XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX NORTHLAND ACCOUNT NUMBER : UNKNOWN COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : UNKNOWN COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XX/XX/XXXX/XX/XX/XXXXACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : COLLECTION AGENCY : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Michigan XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute reinvestigation To whom it may concern, I recently disputed the following accounts that were reporting inaccurate misinformation on my consumer file, and you seem to have mistakenly updated. Maybe the source is unreliable, but I need you to perform a reinvestigation into these accounts and delete them immediately : XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) /ACCOUNT # XXXX ( There are several inconsistencies on these dates. 1.Date opened ; XX/XX/XXXX, last active ; XX/XX/XXXX, last report date ; XX/XX/XXXX. XXXX ; {$0.00}. Payment History ; XXXX XXXX. Another Inconsistent Report ; 1. Date opened ; XX/XX/XXXX, last active ; XX/XX/XXXX, last report date ; XX/XX/XXXX, XXXX ; {$420.00}. Payment History ; XXXX XXXX XXXX ).
Please investigate and delete these accounts that are reporting inaccurate misinformation on my credit file immediately and forward any changes to the address above. Thank you.
Regards, XXXX XXXX XXXX In the Fair Credit Reporting Act : 15 U.S. Code 1681b it states : ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C.1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) [ 1 ] of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) of this section ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ) of this section, to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) of this section in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
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12/02/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Customer Relations Department XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.
2. The date you contacted the individual funishers of information.
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.
Please forward an updated credit report to me after you have completed your investigation and corrections.
Your cooperation and prompt attention are required by law.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.
2. The date you contacted the individual funishers of information.
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.
Please forward an updated credit report to me after you have completed your investigation and corrections.
Your cooperation and prompt attention are required by law.
Sincerely, XXXX XXXX
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09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this 23 day of August, 2019. By : XXXX XXXX XXXX erroneous Accounts : 1. XXXX XXXX 2. XXXX XXXX XXXX. 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXXXXXX XXXX Fraudulent Iinquiries : 1. XXXX XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX - XXXX XXXX. XX/XX/XXXX. I haven't applied for any credit for inquiries to be listed on my credit report. The inquiries are fraudulent and i have explained it several times in recent letters and have been denied. I haven't received any wet signatures nor original documents showing any evidence of inquiries or my signature on any documents. By law the inquiries should and needs to be remove immediately following the investigation. I will be following up by thursday to see or hear the status of my investigation. My rights as a consumer is to investigate and make sure that my credit file is secured and not being used by crooks, nor have i given any creditors nor credit bureaus authority to use my name or add any inquires onto my credit without contacting me. I noticed that my name is incorrect on all three credit bureaus Equifax, XXXX, XXXX. The correct spelling of my name is XXXX XXXX not XXXX XXXX my name is associated with XXXX XXXX my name is XXXX XXXX. Also there are several addresses that are listed on my credit file and it is incorrect. Please remove all the fraudulent accounts listed on this investigation and inquires that i haven't inquiried. Remove all the address on my credit report, i am not associated with any of these addresses. MY credit file was breached, used and manipulated.
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12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX To Whom it XXXX Concern.
I, XXXX XXXX a person, non-adverse, non-belligerent, non-combatant party and executer with full life, In accordance with the act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Listed accounts XXXX XXXX XXXX.
Account # - XXXX Date Opened - XX/XX/XXXX.
XXXX XXXX
Account # XXXX Opened XXXX XXXX - Charge Off Closed ( items labeled incorrectly derogatory, Should be marked Paid off ) A more detailed list is provided.. in the attached files.
XXXX XXXX Account # XXXX Opened On - XX/XX/XXXX - Charge Off XXXX XXXXXXXX Account # ( XXXX ) Date Opened- XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX - Charge Off It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the data breach.
I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts AS Follows.. ( of which are all Listed in the attachments ) personal information is incorrect DELETE INVALID INACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX ( Listed in attachments ) ALL inquiries as not authorized ( detailed list included XXXX the attachments ) Please remove it from my credit report. Block and remove it all.. UPDATE TO PAID AND BLOCK The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
The following personal information is incorrect Account Number : EMPLOYER : COMPANY : XXXX XXXX XXXX XXXX
And all other listed accounts..
I also demand Removal of Extended Fraud Alerts from credit profile EQUIFAX, XXXX, XXXX EQUIFAX, XXXX, XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) and breaking several other federal laws. EQUIFAX, XXXX, XXXX is reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. EQUIFAX, XXXX, XXXX is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( XXXX XXXX
This has effected my credit score and utilization rate making it hard for me to obtain credit. I have never received any adverse action letters or statements which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! XXXX XXXX has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for XXXX XXXX XXXX to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! XXXX XXXX willful noncompliance has resulted in identity theft which I demand to Cease and Desist!
I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.
( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
I have been disputing inaccurate payment history with the bureaus for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for over 3 years Along with a few other others. They continue to furnish unfair credit reporting which undermines my confidence as a consumer. In effort to monitor my credit report, I requested copies through annualcreditreport.com and was not able to pull reports due to unknown conditions. The CRAs were contacted in request for full reports, and they continue to fail in providing a full report as requested. I must pay for reports from other service providers to monitor and find adverse information is reporting. Recent report shows two-year history, but the CRAS exceed the history by reporting XXXX years history or more. Previous reports show payment was received, I have provided dispute letters on several attempts, the bureaus have continued in response stating the late payments were verified without providing proof, updated the account with incorrect payment history and failed to provide updated reports following the results. The CRAs deliberately are making every attempt to XXXX my character by portraying me as a financially irresponsible consumer.
They have not responded to all complaints I have sent, and I did not provide written permission to furnish the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and their erroneous reporting is hindering my financial circumstances with reporting unfair and inaccurate payment history on my credit report. This is preventing me from obtaining a mortgage and other financial services as a responsible consumer to ensure housing stability for myself, my family and pursuing business goals. It seems like they are only interested in targeting consumers and destroying lives because they havent even conducted nor provided results in response to my letters in a timely manner for a proper investigation. The CRAS denied me right to a reinvestigation and stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate, last balance is inaccurate. Every time I dispute, I receive retaliation in response from the CRAS with adverse reporting late payments were reported 30 days now reporting 60 days late after filing complaints. Every day they continue to provide false information on my report only affects me as the consumer. They could care less about the consumer just to make a few bucks to furnish accounts whether the information is accurate or not. The CRAs are running a numbers business and not a legitimate business. The CRAs have violated my rights and need to be held accountable for their actions. I sent a letter off to the CRAs on several occasions to remove variations of my name as there should not be any variations my only name used is XXXX XXXX. Included with this and all previous letter were copies of my state ID, SS card, and a utility bill to remove personal information that I dont want on my credit report nor use to establish credit, any other variation is fraudulent. According, to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. No financial institution shall share my information to third parties without written consent. These are clear violations of my federally protected consumer rights. Also, the CRAS took more than 30 days to complete my investigation i am in possession of all of my letters, complaints and certified mail tracking number # XXXX etc. disputing the information above again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the fair Credit Reporting Act the CRAs have violated my rights 15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section ( 604 ) 602 A Section 2 states a consumer reporting agency can not furnish an account without written instruction. 15 U.S. Code 1666 ( a ) ( b ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason FCRA 611 ( a ) ( 1 ) ( a ) ( b ) Reinvestigation is required when the consumer notifies the consumer reporting agency disputing that the information reported is inaccurate and provides documentation proving so it must be update or deleted.
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report.
My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions.
This is not a new complaint. I have been complaining since i can remember on all of the accounts listed. They ( The accounts in? ) have Been reporting to XXXX XXXXXXXX XXXX XXXXXXXX, EQUIFAX XXXX XXXX and XXXX XXXX XXXX XXXX Credit Bureau as an " Adverse Action '', when " no money '' have ever been transacted. They have all been XXXX my XXXX Consumer report with inconsistency dates as if I made a purchased, reporting late payments, closed accounts and reporting " adverse action '', since as early as XXXX for some.. It was noted to be remove off the Consumer Report but never happened... Why IS CFPB ALLOWING THIS.
Ive closed and cashed out this credit card and Im still being harassed and threatened causing me stress through emails.. under title 15 1692k Im eligible for compensation due to there violations upon me as a consumer CFPB PLEASE!! See to it that ALL CRAS ARE TO REMOVE!! ANY AND ALL FRAUD ALERTS, MESSAGES, ALERTS, INDICATORS AND EXTENDED FRAUD ALERTS.
Where is the SSA-89 form stating I gave you permission to share my information ; if I remember correctly, it states its a one time transaction and expires after 90 days.!?
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03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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As per 15usc6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
As stated in 6802, the company XXXX which services my FHA mortgage neve disclosed how they would share information. Furthermore they disclosed information to the data furnishers/credit bureaus using my Social security number/card . the social security card is a nonpublic personal piece of information.
Furthermore, XXXX never informed me with any time notice that they would be disclosing information related to my account and/or gave me proper time to chose to have them share such information.
Furthermore, XXXX shared nonpublic personal information with a non affiliated third party. As the law is written ; XXXX can only share information within companies directly tied to the parent company itself. Data furnishers/ credit bureaus are non affliated third parties due to the fact they are not a direct parent/sibling company of XXXX therefore they're violation the laws and as such has caused me financial/emotional/and irrevocably damaged my life.
XXXX5usc1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; exclusions are transactions ( history of payments ) or experiences ( utilization ) 15usc1681S2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
now that ive disputed this information through my credit reports and nothing changed you're in clear violation that I've disclosed this information should not be on the report.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- aside from XXXX violating 15usc6802. They're also not in comliance with their reporting methods to the data furnishers/credit bureaus and as such has caused me personal, financial, and emotional damages.
XXXX XXXX with XXXX has what appears to be XXXX or more indicators of being NON- COMPLIANTLY omitted although requisite reported, inconsistently reported, misleadingly reported, and or otherwise seems to be potentially with at least one or more reported data field ( s ) with XXXX-deemed jeopardized reporting integrity due to being in deviation from the mandatorily utilized XXXX XXXX format for fair and certifiably compliant reporting ( s ) out of alignment of the very laws that the compliance standard ensures absolute adherence to each any and all requisites in total accordance of the FCBA, FCRA , ECOA , and each any and all applicable state laws and or standards expected, mentioned or not. In cognizance to the item questioned above, Account Type : reported as REAL ESTATE for XXXX, Mortgage account for XXXX XXXX, and as Mortgage for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! In regard to item questioned above, Account Type - Detail : reported as FHA Mortgage for XXXX, Mortgage account for XXXX XXXX, and as Mortgage for Equifax and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more apparently deficient of its exigency of reporting decree ( s )! Now, in regard to this items displayed account number, the mandatorily utilized XXXX XXXX format, the data field known as XXXX Consumer Account Number is reported as XXXX for XXXX, XXXX for XXXX XXXX, and as XXXX for Equifax. As such, even just this aspect of the items reporting proves mathematical improbability the alleging data reporting furnisher can truly prove full compliance to their mandatorily abided by regulations and or standards as proof of below described deviation from the requisite standard ( s ) for the compliant reporting, which requires undeniable proven data reported ONLY. As reported, it is NOT in clarity if the account data field pieces of information as displayed is in fact absolutely and only associated with and only with the reported account number, exactly as displayed. If the account number is four-redacted in its truncation there are at least 10,000 possible numbers mathematically the account could be. Equally as problematic, if not more so, if the redacted characters within the account numbers truncation is greater than four then for each additional redacted value there is, mathematically, a 10-fold greater likelihood of the account number and or the accounts data field pieces of information being not only of association with each other. As such, mathematically there might would be at least a 10-fold increase in possible merging of information and or mixing of information between multiple accounts on my report and or with another persons report, be it a relative of similar name or otherwise unrelated matters not. Further, if the redacted values of an account truncation is lesser than four, mathematically there logically exists at least a 10-fold increase in ease of theft of information leading to possible fraud and or identity theft, be it realized or not. POINT BEING, unless the reported account number and ALL aspects of its reporting including each any and all data points HAS ITS INFORMATION FACTUALLY CONFIRMED and documented to be it and only it, there can be no true certainty of a claims nor claimers absolute satisfying of the minimal requirements of lawful reporting much less that of the mandatorily utilized XXXX XXXX format compliance, therefore the report-ability of any such claims reporter is and should be contested and challenge made for the Sayer to prove indisputable and CERTIFIABLY COMPLIANT each any and all of the claim ( s ) and each any and all aspect ( s ) of said claim ( s )! Reporter 's Claimed account number for XXXX, XXXX, XXXX has LESS THAN THE REQUIRED FOUR ( <4 ) redacted values in its alleged truncated account number. MATHEMATICALLY, EACH LESSER REDACTED VALUE GENERATES 10-FOLD LIKELIHOOD THE REPORTED CLAIM OF THIS ACCOUNT IS POTENTIALLY RELATED TO UNKNOWN AND OR FRAUDULENT EVENTS. THIS IS BECAUSE 4 REDACTED VALUES HAVE A POSSIBILITY OF BEING ONE OF 10,000 POSSIBLE VARIATIONS ( 0000-9999 ). SIMILARLY, THE 3-REDA CTED TRUNCATION HAS POTENTIALLY ONLY 1,000 VARIATIONS ( 000-999 ). EVEN MORE WORRISOME IS FACT THAT A 2-REDACTED TRUNCATION HAS POTENTIALLY ONLY 100 ( 00-99 ) VARIATIONS. SCARILY, IF ONLY 1-REDACTED TRUNCATION THERE IS BUT 10 MATHEMATICAL VARIATIONS POSSIBLE. AND WORSE OF ALL, IF NO REDACTED TRUNCATION OR A 0-REDACTED ACCOUNT NUMBER IS REPORTED AND POTENTIAL IDENTITY THEFT PERPETRATOR AND OR FRAUDSTERS WOULD BE ESSENTIALLY HANDED MY EXACT ACCOUNT INFORMATION LENDING OBVIOUS INJURIOUS ABILITIES TO SAID WRONG DOERS. ANY SUCH TRUNCATION THAT IS DEVIANT FROM THE REQUISITE OF ONLY AND EXACTLY FOUR REDACTED VALUES IN ALL ACCOUNT TRUNCATIONS, CERTAINLY JEOPARDIZES THE INTEGRITY OF THE REPORTING CLAIM ( S ). ***************************************************************************************************** It is noteworthy that as the injured consumer, I am of no obligation to reveal any imperfections nor any flawed reporting as it is your moral imperative to NOT HAVE ANY for which I may be even able to do so. However, at a very minimum, the reported allegations versus me I have marked as reported potentially in dereliction include identified likely SUSPICIOUS claims of how the mandatorily used and required perfectly reported XXXX XXXX formats Base Field 7 ( XXXX ) with redacted truncation indicated above does actually report. Understand please that in mathematical reality, this makes impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true account number, whatever it might be, actually has exactly and only the reported data fields and reported data field information as proclaimed by the alleged accusing data reporting furnisher? Further, I ask, given the redacted values within the alleged charged off claim versus me, how can it possibly be confirmable the impeccable reporting when it's not provable the displayed data fields are in and of only perfect alignment with the exact information from such data field ( s ) related to only the one account number that would be supposed truly and provable mine yet not even exposed at all? It is obvious the unjust significant injurious nature of each any and all of the claim ( s ) as reported to my person, character, emotional well-being, and financial reputation let alone my otherwise fair creditworthiness, ILLEGALLY SO MIGHT I ADD? Your requisite investigation of my complaint and notification of my here now contesting of your otherwise assumed privilege to report MUST BE ethical, lawful, and otherwise perfectly COMPLIANT to all requisites of any entity 's assumed desire to report. It is the claim 's report-ability here contested, and my challenge is for proof undeniable of certifiably compliant reporting practices for which you have assumed is satisfying of minimal criteria for retained reporting privilege. The RIGHT for an owed party to lawfully attempt collection is NOT disputed, that is NOT my argument. It is the apparent deficit of evident Fair Reporting Practices that is of my concern and the genesis of my calling into question the claim ( s ) above identified made versus me. Let it be in clarity that due to my concerns relating to your apparent substantial deviations from the mandatorily perfect, complete, and utilized XXXX XXXX Data- filled field formatted reporting standards that I here and now forward this written challenge. Understand please that my challenge is to any and each related data reporting furnisher ( s ) as well as each and any data receiving repository ( i.e. CRA ) to demonstrate physically ( via required documentation ) the afore and below-mentioned and each and any other required evidence confirming the absolute adherence to each and any of the requisite certifiably compliant reporting process ( es ) to include adequate precision in total undeniable accordance with and to the XXXX 's most recent announced reporting industry standards ( i.e. the near annual XXXX ), each and any of the applicable federal regulations, and each and all applicable state laws and or standards, mentioned or not. Supposed or even legitimate ignorance of the necessary adequate applications of the obligatory measures in relationship to all prospective menacing reported claims lending detriment to my credit worthiness does not alleviate any entity from each and any requisites of reporting mandates. Unless of a circumstance I am unaware, there is no RIGHT TO REPORT, RATHER THERE EXISTS A RIGHT TO COLLECT ( OF WHICH IS NOT CONTESTED HERE ), YET THERE IS BUT A VERY CONDITIONAL PRIVILEGE TO REPORT IF AND ONLY IF THE REPORTING IS SATISFACTORY OF THE VERY SPECIFIC CRITERIA TO REPORT in full compliance ETHICALLY AND LAWFULLY. Is it not true that no entity can report nor accept reporting NON-COMPLIANTLY and continue to do so once alerted to the ailment, be it done willfully or in ignorance? In obviousness, the minimal standard is to report and or to only accept reporting of claim ( s ) made only to a degree of MAXIMUM possible accuracy AND completion within perfect fidelity to the mandated XXXX XXXX format reporting standards as exactly outlined in the XXXX 's most current XXXX. Again, per above noted minimal criterion to report, there can be no deviation from the reporting standards and equally it must be in uniform alignment in the claim ( s ) " reporting accuracy and completion to a degree of no lesser than that of a MAXIMUM POSSIBILITY. I remind you, the data reporting furnisher ( s ) and each and any receiving repository could have and SHOULD HAVE BEEN CERTIFIABLY COMPLIANT IN THE REPORTING PROCESS ( ES ). IN FACT, PER XXXX written XXXX XXXX4, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. MY CONTESTING OF ANY NOTED CLAIM 'S REPORT-ABILITY IS JUSTIFIED, HENCE MY CHALLENGE for accusers TO DEMONSTRATE THE FACTUAL CERTIFIABLY COMPLIANT REPORTING PROCESS INCLUDING ITS MANDATORILY PERFECT AND COMPLETE METRO 2 DATA-FILLED FIELD FORMATTED REPORTING STANDARDS, OF WHICH PER XXXX " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. OBVIOUSLY, DEFICIT OF INTEGRITY THERE CAN BE NO ASSUMPTION REPORTER DID SO TO THE REQUIRED DEGREE OF PRECISION WHICH IS NO LESSER THAN TO A MAXIMUM POSSIBLE ACCURACY AND COMPLETION. The data reporting furnisher AND the accepting data repository could have and legally SHOULD HAVE BEEN COMPLIANT. Now, if this notice is ignored, or fails to deliver your then appropriate reporting actions to modify, remove from reporting, and or elsewise demonstrate in confirmation your satisfying of at least the minimal criterion for retaining the PRIVILEGE to report, I will consider seeking suit versus you and any entity involved for then-obvious WILLFUL NONCOMPLIANCE leading to the significantly injurious marks versus me. As reported, given the above questionable aspects I have noted in the reportings for which I have contested reporters privilege to do so, it appears that each any or all of the deviation ( s ) highlights even more so the likelihood of the claim 's questionable reporting. In clarity, this is an infraction of the ethical and lawful reporting practices compelled of and from each and or either of the alleging data reporting furnisher and any accepting repository, particularly following my written consumer complaint notifying each and any of discovered potentially divergent nonconforming claim ( s ) ' reporting in likely dereliction. Given the palpable precariousness and urgency of above detailed concerns, in rightfulness I demand your immediate cease from reporting this unfounded claim, removing the unfair injury versus me. Do so today, even right here right now so to return to competency for your hopes to retain the privilege to participate in the mandated certifiably compliant reporting that MUST BE without ANY deviation from the standards nor regulations elsewise including no omitting of requisite reported accurate and complete data fields in perfect adherence to the previously discussed XXXX XXXX format and any application of law.
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04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ( Original Creditor : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXXXXXX XXXX XXXX This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION COSUMERPOR Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX
|
05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that yo
u must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX COLLECTION AGENCY : XXXX/XXXX XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me.
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER:XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER:XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX Included in Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX Included in Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX Included in Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX Included in Bankruptcy ACCOUNT NUMBER : XXXX Included in Bankruptcy COLLECTION AGENCY : XXXX XXXX. Included in Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX Included in Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Chapter XXXX Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX AXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : RISE ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
04/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : 09 XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX ) ACCOUNT NUMBER : XXXX Collection COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have notified the credit bureaus & XXXX of misreporting bytheir company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information The following account ( XXXX Account Number : xxxxxxxxxxxx XXXX ) is reporting a balance of ( {$7000.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that it was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is canceled and at least should not reflect the balance that is currently showing of ( {$7000.00} ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation by you the furnisher to continue to report this inaccurate information. Especially with my notice and knowledge confirmation of the errors.This incomplete and inaccurate reporting has had a negative impact on my creditworthiness for too long. To address this matter, I kindly request that you provide me with Form 1099-C, which is required as proof of debt cancellation according to IRS regulations.I have taken the initiative to ensure my financial records are accurate and up-to-date, and I believe that providing Form 1099-C is crucial to establishing the validity of this charge-off. It is my understanding that the absence of this form would render the charge-off entry incomplete and potentially inaccurate. If it is determined that the charge-off entry lacks proper documentation, I request that it be promptly removed from my credit report to ensure the accuracy of my credit profile.
I XXXX XXXX presents evidence of what I believe to be deceptive and potentially unlawful practices by XXXX XXXX XXXX XXXXXXXX XXXX XXXX the creditor in this case. The evidence I provide below is a communication I received from XXXX XXXX XXXX XXXX, a service provider to XXXX XXXX, regarding the handling of an unverifiable debt account : [ Attach a copy of the communication EXHIBIT A ] In this communication, XXXX XXXX XXXX XXXX acknowledges that XXXX placed my account for collection on XX/XX/XXXX, and subsequently recalled it on XX/XX/XXXX. However, I would like to draw the attention to several concerning aspects of this communication : Deceptive Practices : The recall of the account and its subsequent sale to another entity, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX raises concerns about the accuracy and completeness of the information provided to me XXXX XXXX XXXX Deceptive practices, including recalling an account without proper notice or resolution, may be in violation of the FDCPA, which prohibits unfair and deceptive debt collection practices..
Lack of Validation : Despite my explicit request for validation of the debt, XXXX XXXX XXXX XXXX XXXX its service provider XXXX, failed to provide any substantial documentation or verification of the debt. This failure to validate the debt as requested is a violation of my rights under debt collection laws.
I believe that these actions by XXXX XXXXXXXX XXXX may be indicative of deceptive and potentially unlawful practices under the FCRA and FDCPA. By recalling the account and subsequently selling it to XXXX & XXXX XXXX for them to sue me for a debt that can not be validated by themselves : Case NO. XXXX, XXXX XXXX XXXX may have circumvented the protections provided by these laws, thereby compromising my rights. XXXX XXXX XXXX ( XXXX # XXXX ) is the Debt collection attorney suing me for a debt XXXX knownly lied about recalling account they sold just to resell it a few days later to another debt collection company. NO one at XXXX XXXX XXXX XXXX explain to me why a debt collection company is suing me for an unverifiable debt please CFPB help me i do not understand how they can do this.
IT'S NO Comments or Statements Saying This account was sold or purchased by two different entities which is a clear violation that need to be removed for the sake of the banking system and my creditworthiness I am contesting any information on my consumer report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations The account in violation listed above is not related to a transaction authorized by me, the consumer. This item has been FTC & CFPB reported since me consumer XXXX since the notice of the negative item on my consumer report.
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
FTC Report was sent to your company Report Number : XXXX back in XX/XX/XXXX with all the needed information to block and remove these inaccurate and incomplete accounts your company willingly ignored my request as a consumer which is an violation of FCRA laws 15 USC 1681a ( d ) Consumer Report.
( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I THE CONSUMER GAVE NO PERMISSION WRITTEN EITHER ORAL OR SIGNED DISCLOSURE TO GIVE PERMISSION TO FURNISH THIS INFORMATION TO MY CONSUMER REPORT. WHERE & WHEN DID YOUR AGENCY RECEIVE PERMISSION TO FURNISH INFORMATION ON MY CONSUMER THATS NOT RELATED TO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES. VIOLATION OF FCRA ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Your Agency Has failed to do an accurate and fair investigation No interviews with neighbors, friends or associates to determine my general reputation or personal characteristics was conducted which is a clear violation under congress.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
The account listed above i found and proved to be inaccurate and incomplete after multiple disputes and it still reminded on my consumer report which is another violation and clear signs of neglect for consumers in your agency 15 USC 1681 The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
By Your Agency reporting this negative information, they are contributing to the inefficiency of the banking system and public confidence of us, the consumers. Your Agency is violating my right to privacy given to me by congress. This is also a violation of the Fair Credit Reporting Act and defamation of character.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( A ) In general a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I would like to receive a description of the procedures used to determine the accuracy and complete fairness of the information your agency found and used please include business names, addresses of any furnisher connected in connection with the information your agency receives. Your company is in violation for not following FCRA laws No procedure description was ever sent to me after every disputed item. REMOVE IT IMMEDIATELY.
15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Your agency has violated all the above rights under the Fair Credit Reporting Act,15 U.S. Code 1681 Permissible Purpose of my consumer report.
15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
YOUR AGENCY IS VIOLATING MY RIGHTS TO PRIVACY I want to make it clear that this is I, '' XXXX XXXX and not a credit repair company sending out this notice to you. I have attached proper identification to this notice.
In case you didn't know, reporting invalidated information is fraudulent and a violation of both state are federal laws, so if this matter doesn't get resolved within the time allotted I am willing to take legal action to compensate for the damages I've sustained, because you've not only been willfully and continuously neglecting my request but also willingly violating the Fair Credit Reporting Act. Each Violation listed is actual damages sustained by the consumer as a result of your agency negligence to follow laws your agency will have to pay {$1000.00} for each violation. REMOVE ITEM LISTED Immediately or face litigation in federal court for all listed violations for monetary damages and defamation of character and harming my credit worthiness.
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04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the XXXX XXXX XXXX, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX United States ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : ( XXXX United States ) XXXX XXXX XXXX XXXX, CA XXXX Options Equifax , Inc .
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Consumer Services Department XXXX XXXX Removal Option XXXX XXXX XXXX XXXX, PA XXXX Federal Trade Commission Consumer Protection Financial Bureau The Following Account IS in Violation of the Florida Statute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX o www.steelriversystems.com I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. I received a letter stating that in the year XXXX TWENTY SIX YEARS AGO there was an alleged account. THIS IS BEYOND ANY STATUE UNDER DEBT COLLECTION The exact statute : [ 15 USC 1692e ] ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
95.11LIMITATIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS.
( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country.
( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ).
( c ) An action to foreclose a mortgage.
( d ) An action alleging a willful violation of s. 448.110.
WITHIN FOUR YEARS.
( a ) An action founded on negligence.
( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority.
( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest.
( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment.
( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures.
( f ) An action founded on a statutory liability.
( g ) An action for trespass on real property.
( h ) An action for taking, detaining, or injuring personal property.
( i ) An action to recover specific personal property.
( j ) A legal or equitable action founded on fraud.
( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.
( l ) An action to rescind a contract.
( m ) An action for money paid to any governmental authority by mistake or inadvertence.
( n ) An action for a statutory penalty or forfeiture.
( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes.
( q ) An action alleging a violation, other than a willful violation, of s. 448.110.
Please note : On XX/XX/XXXX, the UNITED STATES congress passed House Joint Resolution 192, which served as a declaration of bankruptcy. Congress declared in HJR 192 that demanding payments in Gold ( constitutional money ) or in any particular form would now be against public policy. At the same time, President Roosevelt issued executive order 6102 forbidding the hoarding of gold coins, gold bullion and certificates. With this executive order, Roosevelt ordered that most of the gold in circulation be turned in to Federal Reserve Banks across the nation under the threat of fines and 10 years imprisonment.
What the leaders at the time failed to disclose was, that with the confiscation of all gold ( money ) and property, that made all Americans ( Spelled in Proper case ) CREDITORS to the U.S. bankruptcy. Because of the passage of HJR 192, it was now illegal for Americans to pay for anything. Gold was traded for Federal Reserve notes of indebtedness, which made paying for anything impossible, as notes of debt do not pay for anything but delay the payment until a later date. What the government offered instead of gold was CREDIT, but they offered it to the banks, not the people.
The Passage of HJR 192 JOINT RESOLUTION TO SUSPEND THE GOLD STANDARD AND ABROGATE THE GOLD CLAUSE XX/XX/XXXX XXXX XXXX Cong. 1st Session Joint resolution to assure uniform value to the coins and currencies of the United States.
Whereas the holding of or dealing in gold affect the public interest, and therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount of money of the United States measured thereby, obstruct the power of the Congress to regulate the value of money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in payment of debts.
Now, therefore, be it Resolved by the Senate and House of Representatives of the United States of America in Congress assembled. That ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount of money of the United States measured thereby, is declared to be against public policy ; and no such provision contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law.
( b ) As used in the resolution, the term " obligation '' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term " coin or currency '' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations.
SEC. 2. The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled " An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and for other purposes '', approved XX/XX/XXXX, is amended to read as follows : " All coins and currencies of the United States ( including Federal reserve notes and circulating notes of Federal Reserve banks and national banking associations ) hereunto and hereafter coined or issued, shall be legal tender for all debts, for public and private, public charges, taxes, duties, and dues, except gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight. '' Approved XX/XX/XXXX, XXXXXXXX XXXX.
Additionally The Federal Government took our lawful money out of circulation in XXXX but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar.
1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX, XXXX, 1933 H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~Perry v. U.S. ( 1935 ) 294 U.S. 330-381, 79 LEd 912, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a. When a government goes bankrupt, it loses its sovereignty.
2. Public Law 10 Chapter 48, 48 Stat. 112.
3. Public Law 73-10 40 Stat 411 Act ( TWEA ) OCT 6, 1917 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected. Under HJR 192 June 05, 1933 and validated in Perry above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law BANKS CAN NOT LEND DEPOSITORS MONEY TO BORROWERS WITHOUT THE DEPOSITORS WRITTEN AUTHORIZATION, IN REALITY, BANKS DO NOT LEND THEIR DEPOSITORS MONEY. ~12 U.S.C . 1828.
A national bank has no power to lend its credit to any person or corporation. ~Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S. Ct 1024, 176 US 682, 44 LED 637.
A bank is not the holder in due course upon merely crediting the depositors account. Bankers Trust v. Nagler, 229 NYS 2d 142, 143.
o That, the Federal Reserve Bank in its booklet ; MODERN MONEY MECHANICS page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries.
o That the giving a ( Federal Reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158.
o That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894.
o That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.
o That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See Blachshear Mfg. Co. v Harrell, 2 S.E. 2d 766.
o Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ) o In light of the holding of Fidelity Bank Guarantee vs. Henwood, 307 U.S. 847 ( 1939 ), take notice of ... As of October 27, 1977, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument.
o U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender...
o ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) o That because of failure of a lawful consideration the Note and Mortgage are null and void See First National Bank of Montgomery v Jerome Daly, case # 19144 ( 1968 ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being stopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '.
Your Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in 1933 and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501.
Any dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing EFT 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant Has Claimed, Maintain, And Have At All Times Has Retained Her Constitutionally Secured Rights Especially, But Not Limited To, All Aspects Of This Instant Matter ; Brady V. U.S., 397 U.S. , 742 At 748 . Waivers Of Constitutional Rights Must Not Only Be Done Voluntarily, They Must Be Knowingly Intelligent Acts Done With Sufficient Awareness Of The Relevant Circumstances And Consequences.
Thank you for your prompt handling of my request.
Sincerely, XXXX XXXX
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02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, MI XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : FEDERAL BUREAU OF PR- This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : FED BUREAU OF PRISON - This employer belongs to someone else. Delete it from my report immediately.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX & XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXXXXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX & XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXssistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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0n XX/XX/2022 I contacted Equifax to get them to remove all addresses and names that have no affiliation with me and this company refused to do anything because they said they didnt ' have proof of my id. I have included a copy of the ftc report along with a copy of my drivers license as proof of ID.
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.
( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a XXXX XXXX debt if the date on which the hospital care, XXXX XXXX, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
My Name is ( XXXX XXXX ) MY ADDRESS IS ( XXXX XXXX XXXX, XXXX XXXX XXXX ) I have been at this address almost three years.
My previous address was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I lived there for over 30 years.
Social Security number XXXX. Any other Social Security numbers listed on my credit report must be removed because they do not reflect accurate information.
Please ( DELETE ) any address or names that are appearing on my credit report that do not reflect the name and address given above.
I also want the current information Verified with signatures of all parties involved with signed contracts and the Verifying company information and who verified the information sent to me at the address listed on my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX knowledge of this account XXXX. XXXX XXXX XXXX XXXX - XXXX knowledge of this account XXXX. XXXX XXXX - XXXX - XXXX knowledge of this account XXXX. XXXX XXXX XXXX -No knowledge of this account XXXX. XXXX XXXX XXXX XXXX knowledge of this account XXXX. XXXX XXXX XXXX - This account was paid as agreed and closed.
Any inquires that appear on my credit report other than XXXX XXXX XXXX and XXXX XXXX XXXX must be removed because i did not give anyone permission to pull my credit report other than the companies that i have listed. Any companies that appear on my credit report that are not listed i want the removed.
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.
( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.
( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
I want the following companies and information blocked from appearing on my credit report.
XXXX. XXXX XXXX - This company is showing an open account and this is a charged off debt that they are trying to collect from a act of fraud.
XXXX. XXXX XXXX XXXX- This company is showing an open account and this is a charged off debt that they are trying to collect from a act of fraud.
I want these account 's removed or blocked because they are showing that they are open account 's and these are charged off debts and the law clearly states that charges offs are considered income and no credit reporting agency can report income.
Any information that is not true and correct that dose n't reflect the true nature of my being I want it removed and deleted to not be put back on no later date.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
Clearly Equifax, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX has violated my rights.
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05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the accuracy of the information contained in my credit reports from the three major credit reporting agencies : Equifax, XXXX, and XXXX. Specifically, I am concerned about the inaccurate reporting of my name and address, which has had a significant impact on my life.
My correct name is XXXX XXXX XXXX, but the credit reporting agencies are reporting it as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. This inaccurate reporting of my name has caused confusion and delays in various areas of my life, including obtaining loans, renting an apartment, and even applying for jobs.
Furthermore, the credit reporting agencies are reporting multiple incorrect addresses that I have never lived at, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. These inaccuracies have caused me to miss important mail, including bills and notices, which has resulted in late payments and even collections accounts on my credit report.
As per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a duty to ensure the accuracy of the information contained in consumer reports, and to investigate and correct any inaccuracies upon notification by a consumer. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information contained in consumer reports, particularly with respect to identity theft. The California Consumer Credit Reporting Agencies Act ( CCCRA ) also requires credit reporting agencies to reinvestigate and correct any inaccurate information upon notification by a consumer.
After reviewing my report, I have found multiple inaccuracies and errors that have greatly affected my ability to secure loans and credit.
One of the issues I discovered is an inquiry from XXXX XXXX XXXX on XX/XX/XXXX and another from XXXX on XX/XX/XXXX, which I did not authorize. The FCRA requires that credit reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. I did not grant permission for these inquiries to be made, and therefore their inclusion on my credit report is a violation of the FCRA.
These errors have significantly impacted my ability to obtain credit and have caused me great distress. As someone who has always made timely payments and has been responsible with credit, it is frustrating to see my creditworthiness unfairly tarnished by inaccuracies on my report.
According to XXXX XXXX XXXX my XXXX report, the Date of Last Activity on my XXXX XXXX account is XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX and Equifax still shows it as XX/XX/XXXX. Similarly, XXXX and XXXX report the Date Reported as XX/XX/XXXX, but Equifax reports it as XX/XX/XXXX. Additionally, XXXX and Equifax reported the Date Opened as XX/XX/XXXX, but XXXX reports it as XX/XX/XXXX. Moreover, XXXX and XXXX reported the Last Payment Date as XX/XX/XXXX, while Equifax still shows it as XX/XX/XXXX. Furthermore, XXXX reported the Credit Limit balance as {$600.00}, while XXXX reported it as {$680.00}, but Equifax didn't report any balance.
These inaccuracies have affected my life in significant ways. I have been trying to secure a mortgage for my dream home, but my credit score has been negatively impacted by these inaccuracies. The inaccurate information on my credit report has caused me to be denied the mortgage loan or to receive unfavorable interest rates. This has been devastating for me as I have been working hard to achieve my dream of homeownership, and these inaccuracies are hindering my progress.
I am aware that these inaccuracies violate several provisions of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports, Section 607 ( c ), which requires credit reporting agencies to provide notice to consumers if they have reported any negative information about them, Section 611, which grants consumers the right to dispute inaccurate information on their credit reports with both the credit reporting agency and the entity that provided the information, and Section 623, which requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within a reasonable amount of time after receiving a dispute from the consumer.
In addition, the inaccuracies violate Section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ), which requires that entities that furnish information to credit reporting agencies must have reasonable policies and procedures in place to ensure the accuracy and integrity of the information they furnish.
XXXX XXXX According to the information on my credit report, there are discrepancies in the dates of last activity, high balance, date reported, date opened, and last payment reported by the different credit reporting agencies.
This inaccurate information has had a significant negative impact on my life. Due to these discrepancies, my credit score has been affected, and it has become difficult for me to obtain credit, loans, and even housing. This has caused me great stress and anxiety as I am struggling to maintain a good credit standing and financial stability.
I believe that XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), Section 607 ( c ), Section 611, and Section 623. The credit reporting agencies have also violated Section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ) by not ensuring the accuracy and integrity of the information provided to them by XXXX XXXX
XXXX XXXX for account number XXXX. According to XXXX, the reported XXXX XXXX is {$770.00}, while Equifax reports it as {$300.00}, and XXXX does not report it at all. Furthermore, XXXX reported the Date of Last Activity as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and Equifax reported it as XX/XX/XXXX. These discrepancies in reported information may be a violation of Section 607 ( b ) and Section 312 of the FCRA and FACTA respectively.
Additionally, XXXX and Equifax did not report the Credit Limit balance for this account, while XXXX reported it as {$1200.00}. This discrepancy may be a violation of Section 607 ( b ) of the FCRA.
I am requesting that the credit reporting agencies correct or delete this inaccurate, incomplete, or unverifiable information within a reasonable amount of time, as required by Section 623 of the FCRA. I also request that XXXX XXXX remove this unverified account from my credit report altogether.
XXXX ( account number XXXX ). According to all three credit bureaus, I was reported as 30 days late on XX/XX/XXXX, but I did not miss any payment on this account.
The inaccuracies in the credit report are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 607 ( b ) of the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The report of a missed payment when there was none may be a violation of this section. Additionally, Section 607 ( c ) of the FCRA requires credit reporting agencies to provide notice to consumers if they have reported any negative information about them. Reporting a missed payment when there was none may be considered negative information.
Furthermore, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed information, and if the information is inaccurate, incomplete, or can not be verified, it must be deleted or corrected. Reporting a missed payment when there was none may be considered inaccurate information. Additionally, Section 623 ( a ) ( 5 ) of the FCRA requires credit reporting agencies to delete or correct information that is incomplete or that can not be verified. Reporting a missed payment when there was none may be considered incomplete or unverifiable information.
XXXX XXXX XXXX XXXX, account number XXXX. According to all three credit bureaus, I was reported as being 30 days late on XX/XX/XXXX, despite not missing any payments on this account.
I believe that XXXX XXXX XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting a missed payment when there was none may be a violation of this section. Additionally, Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 5 ) require credit reporting agencies to conduct a reasonable investigation of disputed information and delete or correct information that is inaccurate, incomplete, or can not be verified. Reporting a missed payment when there was none may be considered inaccurate, incomplete, or unverifiable information.
XXXX FIN AM with account number XXXX. According to all three credit bureaus, I was reported as 30 days late on this account, despite not missing any payments.
I would like to bring to your attention the violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX and the credit reporting agencies. Section 607 ( b ) of the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting a missed payment when there was none may be a violation of this section. Moreover, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed information, and if the information is inaccurate, incomplete, or can not be verified, it must be deleted or corrected. Reporting a missed payment when there was none may be considered inaccurate information. Finally, Section 623 ( a ) ( 5 ) of the FCRA requires credit reporting agencies to delete or correct information that is incomplete or that can not be verified. Reporting a missed payment when there was none may be considered incomplete or unverifiable information.
XXXX XXXX with the account number XXXX. According to XXXX, the last verified date is XX/XX/XXXX, but XXXX did not report anything. Furthermore, XXXX and XXXX have reported different dates for the last activity and the date when the account was opened.
Additionally, the account type is marked as " open, '' but it is actually a collection account. I was never notified by the creditor that my account had been sold to a collection agency. This has caused significant emotional distress and has affected my ability to obtain credit.
As a result, I believe that XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ). Section 607 ( a ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting an account type as " open '' instead of " collection '' may be a violation of this section.
Furthermore, Section 607 ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Failing to update the account status after it has been sold to a collection agency and failing to notify the consumer may be a violation of this section.
Moreover, Section 623 ( a ) ( 1 ) ( A ) requires credit reporting agencies to provide accurate information about the date of the last activity on an account. Reporting a different date of last activity on the account between XXXX and XXXX XXXX be a violation of this section.
Lastly, Section 623 ( a ) ( 3 ) requires credit reporting agencies to provide accurate information about the date the account was opened. Reporting different dates of when the account was opened between XXXX and XXXX XXXX be a violation of this section.
XXXX XXXX, account number XXXX According to XXXX, the last verified date for this account is XX/XX/XXXX. However, XXXX did not report anything on this account. Furthermore, the account type is listed as " open, '' when in fact it is a collection account. I never received any paperwork from the creditor informing me that they had sold my account to a collection agency, and therefore, I was not notified of the change in status of the account.
These discrepancies have caused significant stress and anxiety in my life. I have been working hard to improve my credit score and have been making timely payments on my current accounts. However, the inaccurate reporting of this collection account has been a significant obstacle in my efforts to rebuild my credit.
I believe the reporting agencies have violated the Fair Credit Reporting Act ( FCRA ). Section 607 ( a ) of the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting an account type as " open '' instead of " collection '' may be a violation of this section. Additionally, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed information, and if the information is inaccurate, incomplete, or can not be verified, it must be deleted or corrected. Reporting an account type as " open '' instead of " collection '' when it has been sold to a collection agency and failing to notify the consumer may be considered inaccurate or incomplete information.
Convergent Outsourcing. The account number associated with this dispute is XXXX According to XXXX, the Date of Last Activity on this account is reported as XX/XX/XXXX, while Equifax XXXX reporting it as XX/XX/XXXX. This discrepancy is a clear violation of Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to provide accurate information about the date of the last activity on an account.
Additionally, Convergent Outsourcing has failed to report the closed date, last payment date, and account type on this account. This failure to report is a violation of Section 605 ( a ) ( 5 ) of the FCRA, which requires credit reporting agencies to report the date of delinquency on any account placed for collection or charged to profit and loss.
XXXX XXXX ( account number XXXX ). According to my credit report, the account type is listed as " open '' when it is actually a collection account. I have never received any paperwork from the creditor notifying me that my account had been sold to a collection agency, and I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
This inaccuracy has had a significant impact on my life. I have been denied credit opportunities, such as loans and credit cards, due to this negative information on my credit report. I have been struggling to make ends meet and improve my financial situation, but this inaccurate reporting has made it nearly impossible for me to do so.
I am requesting that you conduct a reasonable investigation of the disputed information and remove the inaccurate account type from my credit report. I believe this is a violation of both Section 607 ( a ) and Section 623 ( a ) ( 2 ) of the FCRA. The credit reporting agencies have a responsibility to assure maximum possible accuracy of the information in consumer reports and conduct reasonable investigations of disputed information. I urge you to take immediate action to correct this error and prevent any further damage to my credit score and financial well-being. Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
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06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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TO WHOM IT XXXX CONCERN MY NAME IS XXXX XXXX XXXX AM SENDING THIS LETTER OF INTENT TO SUE IN REGARDS TO SEVERAL VIOLATIONS OF MY CONSUMER RIGHTS ALONG WITH VIOLATING THE LAW AT THE SAME TIME. I REVIEWED MY CONSUMER REPORT AND REALIZED THAT YOU HAVE VIOLATED SEVERAL LAWS ACCORDING TO XXXX. IT IS MY RIGHT AS A CONSUMER TO MAKE YOU AWARE THAT YOU HAVE CRIMINALLY VIOLATED MY RIGHTS AS A CONSUMER AND YOU WILL BE HELD LIABLE FOR ANY DAMAGES COMPENSATIONS CAUSED. ACCORDING TO XXXX XXXX CODE ( XXXX ) Limitation of liability Except as provided in sections XXXX and XXXX of this title, no consumer XXXX bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section XXXX, XXXX, or XXXX of this title, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report [ XXXX ] except as to false information furnished with malice or willful intent to injure such consumer. ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
( XXXX ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( XXXX ), a consumer reporting agency XXXX terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
XXXX XXXX XXXX Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and XXXX XXXX ) identification of any information required to investigate the disputed information, which XXXX consist of a standardized form describing the general nature of such information.
( XXXX ) Consideration of consumer information In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information.
( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph XXXX XXXX XXXX, the information XXXX not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
XXXX ii XXXX Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
XXXX XXXX XXXX Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
XXXX XXXX XXXX XXXX reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency XXXX report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( XXXX XXXX Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; XXXX XXXX ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; XXXX XXXX XXXX a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii XXXX by not later than 15 days after receiving a request from the consumer for that description.
XXXX XXXX ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( XXXX ) ( A ) by the deletion of the disputed information by not later than XXXX business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( XXXX ) ( A ), then the agency shall not be required to comply with paragraphs ( XXXX ), ( XXXX ), and ( XXXX ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( XXXX ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than XXXX business days after making the deletion.
XXXX b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer XXXX file a brief statement setting forth the nature of the dispute. The consumer reporting agency XXXX limit such statements to not more than XXXX XXXX words if it provides the consumer with assistance in writing a clear summary of the dispute.
XXXX c ) Notification of consumer dispute in subsequent consumer reports XXXX a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b XXXX or XXXX c ) to any person specifically designated by the consumer who has within XXXX years prior thereto received a consumer report for employment purposes, or within XXXX months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
XXXX XXXX XXXX XXXX of complaints and report to XXXX XXXX XXXX ) In general XXXX XXXX [ XXXX ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section XXXX ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection XXXX a ) ; and XXXX XXXX XXXX transmit each such complaint to each consumer reporting agency involved.
( XXXX XXXX Exclusion Complaints received or obtained by the XXXX pursuant to its investigative authority under the XXXX XXXX XXXX XXXX of XXXX shall not be subject to paragraph ( XXXX ).
XXXX XXXX ) Agency responsibilities Each consumer reporting agency described in section XXXX ( p ) of this title that receives a complaint transmitted by the XXXX pursuant to paragraph ( XXXX ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the XXXX regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( XXXX ) Rulemaking authority The XXXX XXXX prescribe regulations, as appropriate to implement this subsection.
XXXX XXXX ) Annual report The XXXX shall submit to the XXXX XXXX Banking, Housing, and XXXX XXXX of the XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX House XXXX XXXX an annual report regarding information gathered by the XXXX under this subsection.
( f ) Reinvestigation requirement applicable to resellers XXXX XXXX ) Exemption from general reinvestigation requirement Except as provided in paragraph ( XXXX ), a reseller shall be exempt from the requirements of this section.
( XXXX XXXX XXXX required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within XXXX business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller ; and XXXX XXXX XXXX if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it ; or XXXX ii XXXX if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
XXXX XXXX ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( XXXX ) ( A ) the notice by the consumer reporting agency under paragraph ( XXXX ), ( XXXX ), or ( XXXX ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( XXXX ) ( A ).
( XXXX ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly. XXXX XXXX Code XXXX - Disclosures to consumers XXXX XXXX Code XXXX - Compliance procedures YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER ACCORDING TO XXXX, YOU HAVE PLACED MEDICAL INFORMATION ON MY COSNUMER REPORT WITHOUT MY CONSENT AND YOU HAVE NO RIGHTS TO DO SO AT ALL. YOU CAN NOT PLACE A ANY MEDICAL INFORMATION, ACCOUNT TO A CONSUMERS CREDIT REPORT. REMOVE THE ACCOUNT AND INFORMATION IMMEDIATELY AND PERMANENTLY. XXXX. XXXX FINANCE XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CR XXXX XX/XX/XXXX XXXX. XXXX XXXX CR XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX - Disclosure of investigative consumer reports
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03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The inquiries that are on my credit report, was not ran by me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The inquiries listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have attempted to open these accounts and made the request without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these inquiries were fraudulently opened, and they have known this for several months, but have yet to remove these inquiries from my credit reports. Some of the creditors have been cooperative and have removed the inquiries, but others have refused to remove the fraudulent inquiries. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DPEDXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This complaint is not being filed by a XXXX XXXX XXXX XXXX XXXX and this NOT a duplicate Complaint.
I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act Convergent and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Account Type : Installment Account Type - Detail : Rental agreement XXXX Code : Joint Account Status : Closed Monthly Payment : {$220.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$8100.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Unknown Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$96.00} Credit Limit : {$5000.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Educational Educational Bureau Code : Individual Individual Account Status : Transferred Transferred Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$16000.00} {$16000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold Student loan Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Educational Educational Bureau Code : Individual Individual Account Status : Transferred Transferred Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$23000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold Student loan Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX XXXX Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2400.00} {$0.00} Credit Limit : {$300.00} {$300.00} Past Due : {$2400.00} {$2400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber.
Unpaid balance reported as a loss by the credit grantor.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX # : XXXX Account Type : Installment Account Type - Detail : Rental agreement XXXX Code : Joint Account Status : Closed Monthly Payment : {$220.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$8100.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Unknown Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX Account Type : Open Account Open Account Account Type - Detail : Child support - Bureau Code : Individual Individual Account Status : Closed Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$0.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed Closed or paid account/zero balance Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX Equifax OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Open Account Open Account Account Type - Detail : Unknown - credit extension, review, or collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2400.00} {$2400.00} Credit Limit : {$0.00} {$0.00} Past Due : {$2400.00} {$2400.00} Payment Status : Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber.
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department.
Consumer disputes this account information Collection account Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO Equifax XXXX XXXX OK OK OK OK FST PREMIER XXXX XXXX Equifax Account XXXX : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX XXXX XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2400.00} {$0.00} Credit Limit : {$300.00} {$300.00} Past Due : {$2400.00} {$2400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber.
Unpaid balance reported as a loss by the credit grantor.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX OK OK Equifax XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Charge account XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$96.00} Credit Limit : {$5000.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX Equifax XXXX XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX Account Type : Installment Installment Account Type - Detail : Educational Educational Bureau Code : Individual Individual Account Status : Transferred Transferred Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$16000.00} {$16000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold Student loan Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK XXXX OK OK XXXX Equifax OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Educational Educational Bureau Code : Individual Individual Account Status : Transferred Transferred Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$23000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold Student loan Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK XXXX OK OK XXXX Equifax OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK OK OK OK OK OK XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving XXXX XXXX Account XXXX - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$150.00} {$150.00} {$200.00} XXXX XXXX : {$200.00} {$200.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 60 Days Late 60 Days Late 60 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity.
Closed or paid account/zero balance Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK Equifax OK OK XXXX XXXX OK OK OK OK OK XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code XXXX XXXX XXXX XXXX Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$230.00} {$230.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity.
Closed or paid account/zero balance Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX Experian XXXX Equifax OK XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$2400.00} No. of Months ( terms ) : - High Credit : {$2400.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX AT T ) XXXX XXXX Equifax Account XXXX XXXX XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$230.00} No. of Months ( terms ) : - High Credit : {$230.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Placed for collection Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Original Creditor : XXXX OKLAHOMA XXXX GAS ) XXXX XXXX Equifax Account XXXX XXXX XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$120.00} No. of Months ( terms ) : - High Credit : {$120.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Placed for collection Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
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04/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately.
2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX- This address belongs to someone else. Delete it from my report immediately.
3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, MI XXXX- This address belongs to someone else. Delete it from my report immediately.
4. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately.
5. The following personal information is incorrect Account Number : FED BUREAU OF PRISON - This employer belongs to someone else. Delete it from my report immediately.
6. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
7. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
22. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
23. Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
24. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
25. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
26. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
27. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
28. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
29. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
30. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
37. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
38. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
39. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
40. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
41. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
42. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
43. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
44. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
45. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
46. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
48. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
49. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
50. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
51. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
52. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
53. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
54. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
55. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
56. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
57. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
58. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
59. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
60. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
61. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
62. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
63. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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03/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : No Name ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Unknown ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX.
ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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01/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
EQUIFAX
XXXX XXXX XXXX XXXX, GA XXXX
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX
CFPB Consumer Federal Protection Bureau
EQUIFAX REPORT
Notice it is a fact, that I am a federally protected consumer, pursuant to 15 U.S Code 7006 holder in due course, attorney in fact for any and all derivatives thereof for the surname I have been appointed and accept being the executor for all matters proceeding, and I hereby claim that I will autograph for my given name (XXXX XXXX and as the agent and administrator in fact.
Notice it is a fact, that I am a federally protected consumer, debtor, and holder in due course pursuant UCC 3-306.
Fact, EQUIFAX, is a for-profit company.
Fact, affiant is aware EQUIFAX is a consumer reporting agency pursuant to 15 U.S. Code 1681 a(f) due to their business practices of collecting monetary fees, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
Fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition EQUIFAX has committed identity theft. This is a violation of 15 U.S. Code 1681b(a)(2).
Fact, affiant is aware that pursuant to 15 U.S. Code 1681e(a) maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and affiant is aware, no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15.
Fact affiant is aware pursuant to 15 U.S. Code 1681g I, the consumer have the right to request a full file disclosure about the information within my consumer file which includes the sources of the information was used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person (including the end-users identified under section 1681e(e)(1) of title 15 that procured my consumer report, including their address and telephone numbers of the persons, a record of all inquiries received by the agency during the 1year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. If any of the following accounts do not have the sources of information available, they must be removed. The following accounts and inquiries require verification or they mut be removed:
1)XXXX XXXX XXXX XXXX
Report date: XXXX XXXX XXXX
Date opened
XXXX
Date reported
XXXX
2)XXXX XXXX XXXX XXXX XXXX
Report date: XXXX XXXX XXXX
Date opened
XXXX
Date reported
XXXX
3)XXXX XXXX XXXX Report date: XXXX XXXX XXXX
Date opened
XXXX
Date reported XXXX
4)SXXXX XXXX
Report date: XXXX XXXX XXXX
Date opened
XXXX
Date reported
XXXX
5)XXXX XXXX
Report date: XXXX XXXX XXXX
Date opened
XXXX
Date reported
XXXX
6)XXXX XXXX XXXX XXXX
Report date: JXXXX XXXX XXXX
Date opened
XXXX
Date reported
XXXX
PERSONAL INFORMATION:
Previous address
XXXX XXXX XXXX XXXX, TX XXXX
Previous address
XXXX XXXX XXXX XXXX, TX XXXX
Previous address
XXXX XXXX XXXX XXXX XXXX, CO XXXX
Previous address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Previous address
XXXX XXXX XXXX XXXX XXXX, TX XXXX
Previous address
XXXX XXXX XXXX XXXX XXXX, GA XXXX
INQUIRIES:
EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
EQUIFAXXXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
1XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
1XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry
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You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response and the particular requests to rectify any fault by XXXX XXXX a XXXX XXXX herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully
XXXX
Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it nunc pro tunc. zx
I swear that all information provided herein and do so under penalty of perjury that the information is true, correct and accurate to the best of my ability and knowledge, so be it. XXXX XXXX, consumer/natural person
Mailed copies will be notarized
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04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Somehow XXXX has allowed XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/ XXXX/ XXXX and XXXX file fraudulent information on the secured party and creditor Aka the real party in interest i, woman, XXXX XXXX XXXX, and XXXX XXXX XXXX re-presents a complaint against the Defendants herein this day as to Harassment Slander Defamation and libel. They have the wrong address and the wrong persons. The names presented upon debt and or mortage is XXXX XXXX XXXX and XXXX XXXX XXXX. Banks aka the Defendants have illegally contacted Plaintiffs requesting monies unproven to be owed without show of cause and proper documentation. Also Plaintiffs have notice multiple attempts of XXXX XXXX XXXX XXXX. Mortgage Division has sold or transferred the alleged information that of the Plaintiffs without consent, rights thereto, and proper information. Upon multiple request, Plaintiffs had given the Defendant XXXX XXXX XXXX. and employees Qualified Written Request to be filed and that with accuracy thereto the Plaintiffs private and personal property. Be it known this is not about a attempt to foreclose but the threat of such without proper and legal access thereto the Plaintiffs private property located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ]. In fact Defendant XXXX XXXX mailed emailed and such the like provided documents thereto the Plaintiffs with incorrect information with the names and address of XXXX XXXX XXXX and XXXX XXXX XXXX. Based upon the letters presented approximately on four different occasions, Defendant XXXX XXXX has contacted the Plaintiffs without show cause and proof of a debt. But rather continued to threatened the Plaintiffs and their land and home. Thereafter the Plaintiffs filed a complaint against XXXX XXXX XXXX for identity theft and forgery approximately XX/XX/XXXX and the court hearing was held XX/XX/XXXX. The Defendant was notified but as usual ignored the notice. Soon after the court date and filings of such records with the court XXXX XXXX XXXX. and employees not limited thereto XXXX a subsidiary and or acquired bank whom also alleged rights to the Plaintiffs home property and land falsely. Such employees where contacting the Plaintiffs via USPO mail such as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX all currently employed therewith XXXX XXXX XXXX. whom also where employed with XXXX before XXXX XXXX squired them during the housing market crash and as well the same employees are believed and proven to have worked with XXXX XXXX XXXX d.b.a. XXXX XXXX XXXX whom was forced out of business by the California Corporations Commissioner on or around XX/XX/XXXX, due to fraud, revoking a license they failed to obtain before doing business in the housing and mortgage markets therein XXXX XXXX County or the State Of California. XXXX XXXX XXXX is currently doing business under the name XXXX XXXX XXXX XXXX. Said company has been fined by government agencies for resurfacing under a new name. The law states that a Mortgage and all documents therein must be signed by both parties present. The new law is intended to expand the federal government 's capability to prosecute mortgage fraud, securities and commodities fraud, and other frauds related to federal assistance and relief programs. Prosecuting Mortgage Fraud Cases as Bank Fraud. By amending the definition of financial institution to include a mortgage lending business, as a result, convictions for mortgage fraud can now carry a 30-year maximum prison sentence or a maximum {$1.00} XXXX fine, or both. Even more importantly, mortgage fraud cases will now have a 10-year statute of limitations, as opposed to the 5-year statute of limitations for other frauds, which will give federal prosecutors much more time to develop such cases. IDENTITY THEFT - The Plaintiffs believes that XXXX XXXX XXXX obtained their information from public records via XXXX XXXX County Registrar Office either in XXXX Ca and or within said offices therein the State Of California. This information was illegally sold thereto XXXX whom hired XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, formerly of XXXX XXXX. For XXXX XXXX employees XXXX XXXX XXXX along with a notary by the name of XXXX XXXX filed a illegal Mortgage Document thereon or about XX/XX/XXXX, and again XXXX XXXX XXXX filed a document therein the same government agency on or about XX/XX/XXXX. This was done by appearing therein the County Registrar Office and obtaining private and personal information. Basically the Defendants in tort be it XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX. used these fraudulent documents and created an instrument aka a mortgage loan unbeknownst thereto the Plaintiffs until on or about XX/XX/XXXX. On XX/XX/XXXX, President Obama signed into law the Fraud. The new law is intended to expand the federal governments capability to prosecute mortgage fraud, securities and commodities fraud, and other frauds related to federal assistance and relief programs, such as the Troubled Assets Relief Program. HARASSMENT - After the company XXXX XXXX XXXX now doing business as XXXX XXXX XXXX XXXX, had obtained the Plaintiffs Private and personal information they called the Plaintiffs making fraudulent unbelievable offers to refinance, when the home owners [ Plaintiffs ] said no, and was no longer interested due to the issues presented that was too good to be true, they XXXX XXXX XXXX then forged documents and allegedly sold them to XXXX unbeknownst thereto the Plaintiffs until XX/XX/XXXX. Nothing appeared thereon their credit reports until XX/XX/XXXX, not limited to a unknown lien by way of a credit card from XXXX XXXX XXXX. whom alleged a debt that was XXXX filed in XX/XX/XXXX and agreed upon such in XX/XX/XXXX when the debt was to be XXXX. XXXX XXXX not limited thereto employees filed a lawsuit against XXXX XXXX XXXX Plaintiff in order to place the lien upon the home because the property had no liens no mortgage assignments thereafter PAID IN FULL with XXXX XXXX XXXX XXXX in XX/XX/XXXX, whom was suddenly acquired by XXXX XXXX in XX/XX/XXXX with the Plaintiffs information private and no consent to do any business therewith XXXX XXXX XXXX. More over the only name on the home was that of XXXX XXXX XXXX, not XXXX XXXX XXXX as recorded in the Deeds records and such the like. None the less XXXX XXXX XXXX. not limited to employees added his name to newly created documents. Thereafter XXXX began contacting the Plaintiffs requesting payments late payments and back payments of monies owed that was not proven such a mortgage existed. Thereafter XXXX Produced a Mortgage document with the names that look like the Plaintiffs but was not that of the Plaintiffs. XXXX XXXX XXXX did not appear thereon the documents as well nor did XXXX XXXX XXXX. During the complaint initiation filed with XXXX XXXX XXXX. and later with the CFPB in XX/XX/XXXX the SEC, OCC and such the like agencies that regulated such banks in actions therein. Also contacting neighbors and family members embarrassing the XXXX by stating in writing that they the XXXX do not like to pay the debts. As well reporting it thereto credit agencies and bureaus such as XXXX, Equifax, XXXX and others. Such was ignored and other failed attempts deleted from the credit reports of the Plaintiffs as of XX/XX/XXXX. XXXX XXXX also reported this information thereto XXXX XXXX Trustee and such the like, whom in response to the Plaintiffs by XXXX, whom stated in a letter XX/XX/XXXX, this debt is real and still owed. SLANDER & LIBEL - The Plaintiffs have no record contracts with XXXX XXXX XXXX. Plaintiffs recall having credit cards with XXXX XXXX XXXX. whereas they believe other private old or new information was attained and used to harass Plaintiffs in order to create a mortgage contract by said bank not limited to employees and acquired banks therein. Slander is mentioning someones personal and private business thereto others without proof facts truth and such the like. The action, or crime, of making a false spoken statement damaging to a person 's reputation. Such was done when XXXX XXXX XXXX. made multiple attempts to record this information with the XXXX XXXX County Registrar Office, Courts, and other agencies such as the XXXX XXXX County Tax Accessor and more. Libel is a published false statement that is damaging to a person 's reputation ; a written defamation. Code of Civil Procedure - CCP 170.6. ( 1 ) A judge, court commissioner, or referee of a superior court of the State of California shall not try a civil or criminal action or special proceeding of any kind or character nor hear any matter therein that involves a contested issue of law or fact when it is established as provided in this section that the judge or court commissioner is prejudiced against a party or attorney or the interest of a party or attorney appearing in the action or proceeding. home owners and customers are now APPELLANTS STATEMENTS OF FACTS - The Plaintiffs filed accordingly thereto the laws within these United States thereto serving all Defendants herein mentioned within said complaint and claim [ s ] and all where served on or about XX/XX/XXXX. Judge XXXX XXXX XXXX duty sworn under oath has failed himself by not reading the briefs, complaint claims and recusals not limited thereto disqualifications as to attorneys creating confusion as to who they are and to what they are doing. No answers where filed, no notices of appearances, they the Defendants attorneys just showed up with a notice of removal on XX/XX/XXXX filed alleging that they filed it on XX/XX/XXXX XXXX well after the Plaintiffs filed their Motion for Default Judgement and hearing set on XX/XX/XXXX. ARGUMENT - Plaintiffs have filed this complaint on XX/XX/XXXX. Plaintiffs amended, and released XXXX XXXX XXXX on or about XX/XX/XXXX. All Defendants where served on or about XX/XX/XXXX. All Defendant minus [ XXXX ] XXXX XXXX XXXX XXXX. defaulted on or about XX/XX/XXXX when the Plaintiffs filed their Motion For Default Judgment hearing paid for and set forth on XX/XX/XXXX XXXX. The Defendants failed to file with the courts on or about the 30 days of receiving the summons and complaint and chose to delay by filing only an answer therein District State Court Central Division on or about XX/XX/XXXX and or about XX/XX/XXXX. By doing this at this time means they defaulted. All Defendants listed herein this amended and original complaint are responsible for they too did respond with letters and therein court by removal and such the like of Plaintiffs case, they are not being sued erroneously for their involvement are as follows ; XXXX XXXX XXXX and such the like claims to be the Trustee, and supported this fact by way of multiple letters. XXXX aka XXXX XXXX XXXX XXXX claims to be the Nominee and beneficiary without legal rights to land or property but known as a online record keeper of Mortgages. XXXX XXXX claims to be the servicer and owner of said mortgage alleged created out of identity theft and forgery creating the slander defamation and libel case herein. XXXX XXXX XXXX XXXX and such the like claimed to be the new debt collector as of XX/XX/XXXX and supported this fact with letters sent to the Plaintiffs home. XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX by way of XXXX XXXX alleged to have originated the loan and the documents where recently produced and mailed to the Plaintiffs home property and land on XX/XX/XXXX, by attorney in representation. XXXX XXXX XXXX Bank alleged to have acquired the fraudulent mortgage from XXXX XXXX XXXX as of XX/XX/XXXX unbeknownst thereto the Plaintiffs until XX/XX/XXXX, whereas four years later XXXX supported this fraud by sending letters stating that a debt or a mortgage was owed due to their acquisition of XXXX in XX/XX/XXXX. This is abiding therein the Statute Of Limitations for the ten year period this has been going on. STATEMENT OF APPEALABILITY This appeal is from the judgment of the XXXX XXXX County Superior Court and is authorized by the Code of Civil Procedure, section 904.1, subdivision ( a ) ( 1 ). ( a ) An appeal, other than in a limited civil case, is to the court of appeal. An appeal, other than in a limited civil case, may be taken from any of the following : ( 1 ) From a judgment, except an interlocutory judgment, other than as provided in paragraphs ( 8 ), ( 9 ), and ( 11 ), or a judgment of contempt that is made final and conclusive by Section 1222. ( 2 ) From an order made after a judgment made appealable by paragraph ( 1 ). ( 3 ) From an order granting a motion to quash service of summons or granting a motion to stay the action on the ground of inconvenient forum, or from a written order of dismissal under Section 581d following an order granting a motion to dismiss the action on the ground of inconvenient forum. ( 4 ) From an order granting a new trial or denying a motion for judgment notwithstanding the verdict. ( 5 ) From an order discharging or refusing to discharge an attachment or granting a right to attach order. ( 6 ) From an order granting or dissolving an injunction, or refusing to grant or dissolve an injunction. ( 7 ) From an order appointing a receiver. ( 8 ) From an interlocutory judgment, order, or decree, made or entered in an action to redeem real or personal property from a mortgage thereof, or a lien thereon, determining the right to redeem and directing an accounting. ( 9 ) From an interlocutory judgment in an action for partition determining the rights and interests of the respective parties and directing partition to be made. ( 10 ) From an order made appealable by the Probate Code or the Family Code. ( 11 ) From an interlocutory judgment directing payment of monetary sanctions by a party or an attorney for a party if the amount exceeds XXXX XXXX dollars ( {$5000.00} ). ( 12 ) From an order directing payment of monetary sanctions by a party or an attorney for a party if the amount exceeds XXXX XXXX dollars ( {$5000.00} ). ( 13 ) From an order granting or denying a special motion to strike under Section 425.16. ( 14 ) From a final order or judgment in a bifurcated proceeding regarding child custody or visitation rights ( b ) Sanction orders or judgments of XXXX XXXX dollars ( {$5000.00} ) or less against a party or an attorney for a party may be reviewed on an appeal by that party after entry of final judgment in the main action, or, at the discretion of the court of appeal, may be reviewed upon petition for an extraordinary writ. As for XXXX XXXX XXXX all the credit agencies know that he have no record of ever having a mortgage and such was the reason for the lower score less than XXXX rating. Therefore never having a mortage without proof facts and evidence other than forged identity theft documents only creates such complaints toward the credit agency that of XXXX and others.
XXXX XXXX and XXXX XXXX XXXX XXXX had been given a Cease and Desist, court order of identity theft held on XX/XX/XXXX and other documents from the DOJ concerning this matter and now this is being pursued by Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX in Federal Court, State Court of appeals and other legal arbitration venues. Please do not make us add your agencies thereto this complaint. Also just got off the phone with XXXX from XXXX and learned that this was newly added to the credit report of XXXX XXXX XXXX and XXXX XXXX XXXX as of XX/XX/XXXX whereas that is fraud and identity theft see exhibits. XXXX XXXX does not work for XXXX XXXX XXXX this is fraud XXXX stated this in a letter addressed to you XX/XX/XXXX.
Please remove within the next 15 days.
Notice XXXX and XXXX has the wrong persons names and identity XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX we are not related and do not share the same address. That address of XXXX XXXX XXXX is rental property for XXXX XXXX XXXX only and is only in her name paid in full as of XX/XX/XXXX. All this information and request is undisrupted.
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04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX reached out to XXXXEQUIFAX XXXX XXXX XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXXEQUIFAX XXXX XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all the major ( XXXX ) XXXXEQUIFAX XXXX XXXX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore , until validated you know your information concerning this debt is inaccurate . NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXXEQUIFAX XXXX XXXX XXXX then, you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXXEQUIFAX XXXX XXXX XXXX XXXX in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXXEQUIFAX XXXX XXXX XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ( ACCOUNT NAMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATEOPEN XX/XX/XXXX PRICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIve sent out multiple FTC reports XXXX reports New Jersey consumer protection complaints as well as a New Jersey state , Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATEOPEN XX/XX/XXXX PRICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX XXXX XXXX EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATEOPEN XX/XX/XXXX PRICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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02/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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For Over 6 years XXXX has had false information on my credit report! Lastest report number # XXXX for XX/XX/XXXX. This company has no contract with and XXXX and equifax show on report!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York [ XXXX ] SSN XXXX DOB XX/XX/XXXX XXXX Dispute Department XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Report # XXXX on XXXX New Case : # XXXX First Notice of Certified Mail : XXXX XXXX XXXX XXXX XXXX Second Notice of Certified Mail : XXXX XXXX XXXX XXXX XXXX Third Notice : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed.
( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. See Court Docket Sheet As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report.
Name of Creditor/Agency, Account # Fake Credit First # XXXX The courts in XXXX OH where this company is based out of has ruled in my favor that there is not one shred of evidence that this account is mine An A judgment an award in favor is here attached.
List your reasons for disputing this negative mark here, inaccurate account information, dates wrong, etc.
As already stated, the listed item is inaccurate and incomplete, and is a profoundly serious error in reporting. Please remove the error in XXXX business days based on the ruling of the Courts. See Attachment I, XXXX XXXX XXXX do hereby affirm that all facts and statements stated within the foregoing are truthful and correct to the best of my knowledge and belief, under penalty of perjury.
XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX Chairman of the Federal Trade Commission FTC XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Telephone : ( XXXX ) XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX ] XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX RE : Dispute Letter of false report Dear Credit Bureau XXXX This letter is formal notice that you have failed to respond to my dispute letter of XXXX and XXXX XXXX and XXXX XXXX I sent the initial letter registered mail of the return receipt that you signed on XXXX XXXX.
As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you no doubt are aware, failure to comply with federal regulations by credit reporting agencies is a serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure youll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records.
I request that you update my report like XXXX did me and immediately remove it from my credit report.
Under the new FACTA laws, you are required to furnish me with documentation regarding information you are reporting to the credit bureaus. Since I have disputed the latest with the credit bureaus, and you obviously verified them, I am now allowed to sue you under FCRA 623 ( b ) for violations of the FCRA if you do not comply.
FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The Federal banking agencies, the XXXX XXXX XXXX XXXX, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to reinvestigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.
( B ) Considerations. In prescribing regulations under subparagraph ( A ), the agencies shall weigh -- ( i ) the benefits to consumers with the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity of consumer reports of any such requirements ; ( iii ) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on the credit reporting process if credit repair organizations, as defined in section 403 ( 3 ), including entities that would be a credit repair organization, but for section 403 ( 3 ) ( B ) ( i ), are able to circumvent the prohibition in subparagraph ( G ).
( C ) Applicability. Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ).
( D ) Submitting a notice of dispute- A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that -- ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute.
( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
( F ) Frivolous or Irrelevant Dispute ( i ) In general. This paragraph shall not apply if the person receiving a notice of a dispute from a consumer reasonably determines that the dispute is frivolous or irrelevant, including -- ( I ) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information; or ( II ) the submission by a consumer of a dispute that is substantially the same as a dispute previously submitted by or for the consumer, either directly to the person or through a consumer reporting agency under subsection ( b ), with respect to which the person has already performed the person 's duties under this paragraph or subsection ( b ), as applicable.
( ii ) Notice of determination. Upon making any determination under clause ( i ) that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person.
( iii ) Contents of notice. A notice under clause ( ii ) shall include -- ( I ) the reasons for the determination under clause ( i ) ; and ( II ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
This is Final Notice and demand to remove false information on Credit Report with intend to Sue : reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed.
( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation.
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.
I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed.
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report.
1. XXXX XXXX XXXX FAKE ACCOUNT XXXX
2. XXXX XXXX XXXX XXXX XXXXXXXX has never reported this fake information to the Credit Reporting Agency and must be remove this is wrong!
As already stated, the listed item is inaccurate and incomplete, and is a profoundly serious error in reporting.
It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA could not merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I am sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
I, XXXX XXXX XXXX do hereby affirm that all facts and statements stated within the foregoing are truthful and correct to the best of my knowledge and belief, under penalty of perjury.
XXXX XXXX XXXX XXXX XXXX See This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph.
( A ) ( i ) a statement that the reinvestigation is completed.
( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed.
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. The FCRA requires you to verify the validity of the item within 30 days.
Name of Creditor/Agency, Account I have no account number with this Company called Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX False Information lacking any money loan : If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this.
It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA could not merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I am sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
As already stated, the listed item is inaccurate and incomplete, and is a profoundly serious error in reporting.
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04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My former communications have been exceedingly courteous and kind to XXXX, XXXX and Equifax and they have yet to fix the erroneous information, inaccurate accounts, and fraudulent information. Now, I am writing to set the record straight as I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. These companies are reporting inaccurate and/or incorrect information including but not limited to inaccurate addresses, phone numbers, names and inaccurate and/or fraud accounts on my behalf. This inaccurate information is defaming my character and causing my to suffer damages. I am requesting your assistance in having this inaccurate information removed forthwith.
While reviewing my credit report, I noticed that my name has been mystified with a credit file of someone with a similar name or names. My name is erroneously listed on my credit reports as " XXXX XXXX, I have no middle name, so there should NOT be a XXXX XXXX listed on my credit report. TO POINT OUT, my one and only correct name is XXXX XXXX. In addition, there is an inaccurate address on my credit report that I have never had any affiliation with or lived at. On top of this, there are fraudulent accounts that I did not open or authorize to be opened. This fraud information is defaming my character and causing me to suffer damages including but not limited to denial of employment and denial of residency based on my credit reports. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. PLEASE VERIFY ALL IDENTIFYING INFORMATION.
Please be advised that my information has been leaked in a data breach. As a result, there has been some misuse of my information. To be specific, my information has been used to fraudulently obtain goods, services and open accounts. Therefore, I am writing to request an investigation, removal, and dispute of these unauthorized accounts, inquiries and information promptly. A credit investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, your company did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. Your company did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors.
As previously mentioned, my identity information was leaked in a data breach. Please see the letter attached hereto advising that my information was leaked in a data breach. Moreover, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. Unfortunately, I was one of those people. As can be seen, I am a victim of identity theft, my information has been used to fraudulently obtain service and open accounts.
Pursuant to 15 U.S. Code 1681b, permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer reports, no consent is identity theft. Thus, I am demanding that the following accounts, and information be removed from my credit report instantly.
Somebody fraudulently used my information and drove off a car dealership parking lot with a whole vehicle. The account associated with the fraudulent purchase is Account Name : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX - Account type : Auto Loan Status : Charge-off/Closed Amount : {$19000.00}. I have never obtained any goods or services at this facility/company. I did not open this account and I refuse to pay this debt. XXXX XXXX XXXX XXXX has been annoying me with an unreasonable amount of annoying phone calls. Pursuant to 15 USC 1692 ( d ) ( 5 ), causing a consumers telephone to ring in a manner in which is annoying to the consumer is a violation of the law. XXXX XXXX XXXX XXXX has been threatening to sue me over this fraud debt. Pursuant to 15 USC 1692 ( e ) ( 5 ), threatening to sue a consumer is a violation of the law. Pursuant to 15 USC 1692 ( E ) ( 10 ), using deceptive means to coerce a consumer into paying a debt is a violation of the law. I am not sure what legal authority you have to disclose this information. This account is invalid and/or inaccurate. Under 15 U.S.C. 1681i ( 7 ), method of verification, this account is in violation it was reported without valid evidence. I did not provide any written, oral or informed consent for this account to be opened. This is obviously a systemic issue or fraud. Again, I had no knowledge of this account and it appears to be fraud. I have been getting harassing phone calls in the wee hours of the night with regard to the account with XXXX XXXX XXXX XXXX According to US 1692c, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location. I sent XXXX XXXX XXXX XXXX a cease and desist letter. I did not authorize XXXX XXXX XXXX XXXX or any XXXX party to contact me : therefore, any communication is a violation of US 1692.c. In any event, the reporting requirements do NOT comply with FCRA 611 and/or 15 U.S.C. 1681 and the information must be deleted immediately. Please dispute, suppress, block and remove Account Name XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Date opened : XX/XX/XXXX - Account type : Auto Loan Status : Charge-off/Closed Amount : {$19000.00} from my credit report immediately.
I need the above account and below information removed and deleted forthwith. Pursuant to 15 U.S.C 1681 ( b ), furnishing a consumer report without the consent of the consumer is a violation of the law. Pursuant to 15 U.S. Code 1681b, permissible purposes of consumer reports, I never gave any credit bureau any written consent to report anything on my consumer reports, no consent is identity theft. Thus, I am demanding that the following accounts, and information be removed from my credit report without delay.
Currently, there are countless fraudulent addresses on my credit report that I have no knowledge of, the fraudulent addresses are listed on my credit report as follows : At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX ( APARTMENT UNIT IS MISSING and/or inaccurate ), I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX, CA XXXX, I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX, I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX - ( address is wrong by one number and/or inaccurate ) I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - ( address is wrong by one number and/or inaccurate ), I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX # A XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, NV XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX, CA XXXX At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
Please remove these addresses immediately. I have no knowledge or affiliation with any of these addresses.
I am not employed with XXXX XXXX and I have never been employed with this company so I am confused as to why this information is on my credit report. Please remove forthwith.
I am not employed with XXXX XXXX, and I have never been employed with this company so I am confused as to why this information is on my credit report. Please remove forthwith.
I am not employed with XXXX XXXX XXXX, and I have never been employed with this company so I am confused as to why this information is on my credit report. Please remove forthwith.
There are XXXX wrong phone numbers listed on my credit report as : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please remove these unknown numbers from my credit report.
There are some unauthorized inquiries that I did not perform or authorize to be performed.
XXXX - Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of these inquiry requests occurred without my consent and I did not initiate these inquires. By the same token, I did not provide any written, oral or informed consent for my credit report to be checked by any of these companies. Please investigate remove, dispute, block and delete these unauthorized inquires from my credit report as they are defaming my character. Please remove these unauthorized inquiries immediately.
Over the past several months, I have tried to resolve these issues, but to no avail. Enclosed is documentation regarding my identity theft.
According to US 1692c, without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
According to 15 U.S. Code 1692c ( b ), without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
According to 15 U.S. Code 1692c ( c ), If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Pursuant to the Fair Credit Reporting Act, creditors are required to furnish accurate and complete information to the credit bureaus. As you know, identity thieves are known to use other peoples ID and Social Security numbers and leave victims to handle the situation. To repeat, these transactions occurred WITHOUT my permission.
In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.
Pursuant to the Fair Credit Reporting Act, creditors are required to furnish accurate and complete information to the credit bureaus. As can be seen, these unapproved inquiries are harming my ability to obtain new credit. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.
Again, furnishing a consumer report without the consent of the consumer is a violation of the law pursuant to Pursuant to 15 U.S.C 1681 ( b ). I am requesting removal, suppression, deletion and/or dispute of the below mentioned from my credit report, which are the result of me being a victim of identity theft. Please update me with a full report on your findings within the next 20 days. I look forward to having this situation rectified as soon as possible. Supporting documents are enclosed with this letter. After removal of these unauthorized accounts please send the notices required by the FCRA to all furnishers of the blocked information.
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09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/2019 ( DF793 ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX XXXX ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX XXXX ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX XXXX ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/XXXX. By : XXXX XXXX Incorrect erroneous Accounts : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX Inquires : I haven't applied for any credit for inquiries to be listed on my credit report. The inquiries are fraudulent and i have explained it several times in recent letters and have been denied. I haven't received any wet signatures nor original documents showing any evidence of inquiries or my signature on any documents. By law the inquiries should and needs to be remove immediately following the investigation. I will be following up by thursday to see or hear the status of my investigation. My rights as a consumer is to investigate and make sure that my credit file is secured and not being used by crooks, nor have i given any creditors nor credit bureaus authority to use my name or add any inquires onto my credit without contacting me.
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02/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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I have a credit card with XXXX XXXX as well as other banking accounts. I have always had no sharing of information, as is required under XXXX Law, for many years with XXXX XXXX, I have no selling Opt out with Equifax, as I had identity theft prior. I have NO IDEA WHO THE THIRD PARTY IS..
They will not provide the credit information or not let me access it, as is stated today on my account. Unless I agree to their outrageous terms.
They State the Following We've made enhancements to help you better understand, monitor, and take action on your credit score. You'll need to agree to the updated terms and conditions and reenroll to keep using this service.
Following is what they want me to sign, violates all California allowed requirements. I just want like I have always had my Fico score from their provider XXXX and NOT FORCING me to have information shared for marketing purposes or my Fico score shared with anyone but me and XXXX XXXX. I do not want people being allowed to market to me call me at XXXX in the morning. Should quite simply not be allowed, I do not want my information shared with your affiliates to include MY FiCO score they State.
I have filed a complaint with XXXX XXXX directly about this matter, and that complaint number is XXXX # XXXX.
XXXX XXXX XXXX XXXX XXXX Addendum XXXX the XXXX XXXX XXXX Access Agreement Effective as of XX/XX/2021 This Addendum ( " Addendum '' ) and the XXXX XXXX Online Access Agreement ( " OAA '' ) contain the terms and conditions governing your use of the Credit Close-UpSM service. If we make changes to this Addendum, we will update the Addendum on the website. We will notify you of changes following the procedures specified in the OAA. If there is a conflict between this Addendum and the OAA, this Addendum will control with regard to the Credit Close-UpSM service.
Please read this Addendum carefully. By agreeing to this Addendum, or by accessing or using the Credit Close-UpSM service, you are agreeing to the terms and conditions of this Addendum and the OAA. This Addendum and the OAA include, among other things : your consent to XXXX XXXX accessing and using your consumer report your consent to XXXX XXXX sharing information in your consumer report with its affiliates our obligations to you your obligations as a user of the XXXX XXXX XXXX XXXX agreement to use binding arbitration, and to waive the right to a trial by jury, for most disputes with XXXX, XXXX, and us arising under this Addendum or relating to the Credit Close-UpSM service your waiver of class-action rights limitations on liability to you Your agreement to this Addendum is essential to our agreement to provide the Credit Close-UpSM service to you. If this Addendum is unacceptable to you at any time, you should terminate your enrollment in the Credit Close-UpSM service.
1. Definitions Except as otherwise provided in this Addendum, terms defined in the OAA have the same meaning in this Addendum. In addition, in this Addendum : " CSIdentity '' refers to XXXX XXXX, an XXXX XXXX provider that facilitates our provision of the Credit Close-UpSM service to you.
" XXXX '' refers to XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency.
" FICO Scores '' refers credit scores created by XXXX XXXX XXXX " We, '' " XXXX, '' " Our, '' and " XXXX XXXX '' refer to XXXX XXXX XXXX XXXX.
" You '' and " your '' refer to you as the person entering into this Addendum.
XXXX. Eligibility To enroll in the Credit Close-UpSM service, you must be a XXXX XXXX account holder enrolled in XXXX XXXX XXXX XXXX a resident of the United States ( or a United States territory ), and at least XXXX years old. FICO Scores will be delivered only to the XXXX XXXX account holder and only if a FICO Score is available for the XXXX XXXX account holder. In some circumstances, such as if your account is closed, charged-off, or recently-opened, or if we are unable to verify your identity, you may not be eligible to receive a FICO Score through the XXXX XXXX XXXX.
XXXX. Authorization to obtain consumer report and credit score By enrolling in the XXXX XXXX service and agreeing to this Addendum, you are providing XXXX XXXX and its service providers, including CSIdentity, with " written instructions '' in accordance with the federal Fair Credit Reporting Act and any other applicable laws to access and use consumer report information about you from XXXX or more consumer reporting agencies. You authorize us to access and use this information, including your FICO Score, to present you with an overview of your credit profile, to present you with credit and financial guidance, to offer products and services that may be of interest to you, for internal analytics, and for other purposes related to your relationship with us. In connection with the Credit Close-UpSM service, we may use your Social Security number to access your consumer report and to verify your identity.
Obtaining your FICO Score through the XXXX XXXX service results in a soft credit inquiry on your credit report. This soft credit inquiry does not affect your FICO Score.
XXXX. Consent to affiliate sharing of consumer report and credit score information By enrolling in the XXXX XXXX service and agreeing to this Addendum, you consent to us sharing the consumer report information that we obtain about you in connection with the XXXX XXXX service, including your FICO Score, with our affiliates. As outlined in our Privacy Policy, you may limit our sharing of some information about you with our affiliates. Please note, however, that limiting our sharing of information about you with our affiliates consistent with our Privacy Policy will not terminate your enrollment in the XXXX XXXX service or revoke your consent to share the consumer report information we obtain about you in connection with the XXXX XXXX service with our affiliates. You must terminate your enrollment in the XXXX XXXX service if you want us to stop obtaining new consumer report information about you in connection with the XXXX XXXX service.
XXXX. FICO Credit Score The FICO Score presented to you through the Credit Close-UpSM service is for your educational, non-commercial, and personal benefit and use only. The FICO Score presented to you may not be the credit score we use to make account opening or credit decisions, and we may use other FICO Scores and other information to review an application for a credit or deposit account.
Your FICO Score reflects a general snapshot of your credit profile at a specific point in time, and it can vary from month to month. The credit file used to create your FICO Score is updated continuously, and the FICO Score presented to you through the XXXX XXXX service may not reflect the most current data in your credit file.
XXXX. XXXX agreement and class-action waiver Please read this section carefully as it affects your rights.
The XXXX XXXX service is part of XXXX XXXX XXXX and subject to the OAA, and with regard to XXXX XXXX XXXX XXXX OAA governs XXXX arbitration of any disputes relating in any way to this Addendum or the XXXX XXXX service.
By enrolling in the XXXX XXXX service and agreeing this Addendum, and pursuant to the Federal Arbitration Act, you also agree that any dispute between you and XXXX or its service provider, XXXX, relating in any way to the XXXX XXXX service or this Addendum will, at your election or at the election of XXXX or XXXX, be resolved through binding arbitration and not through litigation in any court of general jurisdiction. ( XXXX and XXXX will not seek to arbitrate any claim filed by you in small claims court so long as the claim is asserted only on an individual basis and pending only in small claims court. ) Binding arbitration of any dispute between you and XXXX or XXXX relating in any way to the XXXX XXXX service or this Addendum will be administered by the XXXX XXXX XXXX XXXX XXXX XXXX '' ) under its rules for consumer arbitrations, and you may contact the XXXX to XXXX arbitration or to obtain more information about arbitration.
You agree that this agreement to arbitrate disputes between you and XXXX or XXXX should be construed broadly, and you agree that any dispute between you and XXXX or XXXX regarding the arbitrability of any claim relating in any way to the XXXX XXXX service or this Addendum will also be decided through binding arbitration. You agree that this agreement to arbitrate disputes between you and XXXX or XXXX encompasses, not only claims by you against XXXX and XXXX, but also claims by you against XXXX 's or XXXX 's affiliates and service-providers relating in any way to the XXXX XXXX service or this Addendum. Any disputes or claims against XXXX or XXXX relating to your credit report or arising out of the federal Fair Credit Reporting Act ( or its state law equivalents ) are not, however, subject to this arbitration agreement.
At your request, XXXX or XXXX will promptly reimburse you for your payment of any arbitration filing fee. If you are unable to pay an arbitration filing fee, XXXX or XXXX will pay the fee directly after receiving a written request from you. XXXX or XXXX will pay all arbitration costs associated with the arbitration of any nonfrivolous dispute between you and XXXX or XXXX relating in any way to the XXXX XXXX service or this Addendum. Moreover, you, XXXX, and XXXX will be entitled to recover attorneys fees from each other in arbitration to the same extent you, XXXX, and XXXX would be able to recover attorneys fees in court.
Arbitration of any dispute between you and XXXX or XXXX relating in any way to the XXXX XXXX service or this Addendum will be governed by the Federal Arbitration Act. The arbitrator of any such dispute will apply all applicable laws, including statutes of limitations, and privileges to the arbitration, but the arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to discovery or evidence. Subject to the limitations on arbitration set forth below, the arbitrator may award any relief available in court, and judgment may be entered on any such arbitration award in any court with appropriate jurisdiction.
You agree that, by enrolling in the XXXX XXXX service, and agreeing to this addendum, you, XXXX, and CSIdentity are each waiving the right to resolve any dispute relating in any way to the XXXX XXXX service or this addendum through a jury trial. You also agree that you, XXXX, and XXXX XXXX assert claims relating in any way to the XXXX XXXX service or this addendum on an individual basis only, and you waive any ability you may have to assert claims relating in any way to the XXXX XXXX service or to this addendum as a plaintiff or class member in any purported class or other representative proceeding.
You agree that, if you, XXXX, or XXXX elect to resolve a dispute relating in any way to the XXXX XXXX service or this Addendum through binding arbitration, the dispute will be arbitrated on an individual basis only. Disputes between you, XXXX, or XXXX relating in any way to the XXXX XXXX service or this Addendum representative capacity on behalf of the general public or other persons similarly-situated. The arbitrators authority is limited to disputes between you, XXXX, and XXXX alone. Claims may not be consolidated or joined in arbitration unless, you, XXXX, and XXXX agree otherwise in writing, and an arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking it and only to the extent necessary to provide relief warranted by the partys individual claim. An arbitration award and any judgment confirming it will apply only to that specific case and can not be used in any other case except to enforce an arbitration award. If any portion of the foregoing limitations on arbitration is invalid or unenforceable, then this agreement to arbitrate disputes between you, XXXX, and XXXX relating to the XXXX XXXX service or this Addendum ( other than this sentence ) will be null and void.
This section of this Addendum will survive termination of your enrollment in the XXXX XXXX service. Except as provided above in relation to limitations on arbitration, a finding that any provision of this section this Addendum is invalid or unenforceable will not affect the validity or enforceability of any other provision of this section of this Addendum.
XXXX. Limitation of liability By enrolling in the XXXX XXXX service and agreeing to this Addendum, you agree that XXXX XXXX XXXX XXXX, and XXXX, are not liable to you for any damages, injuries, or losses arising from or relating to the XXXX XXXX service. You further agree that your use of the XXXX XXXX service is at your sole risk and that the XXXX XXXX XXXX, including all content and information available through the XXXX XXXX XXXX, is provided to you on an " as is '' basis and subject to change at any time without notice to you.
XXXX. No warranties XXXX XXXX, XXXX, and XXXX are not responsible for any delay or failure to obtain a FICO Score for you, and you acknowledge that XXXX XXXX, XXXX, and CSIdentity make no warranty that the Credit Close-UpSM service will be uninterrupted, secure, or error-free. XXXX XXXX, XXXX, and XXXX expressly disclaim all warranties, representations, and conditions of any kind relating in any way to the XXXX XXXX service or to any content or information available through the XXXX XXXX XXXX.
XXXX. Indemnification By enrolling in the XXXX XXXX service and agreeing to this Addendum, you agree to defend, hold harmless, and indemnify, XXXX XXXX XXXX XXXX, and XXXX from and against all claims, damages, expenses, liabilities, and losses ( including attorneys ' fees ) arising out of, relating to, or resulting from your violation of this Addendum or your misuse of the XXXX XXXX XXXX.
XXXX. New features We may, from time to time, introduce new features to the XXXX XXXX XXXX. Similarly, we may modify or discontinue existing features. By accessing or using any new or modified features, you agree to be bound by the terms and conditions governing those features.
XXXX. Termination of enrollment You may terminate your enrollment in the XXXX XXXXXXXX XXXX at any time by selecting the opt-out link within the XXXX XXXX XXXX. You agree that you will opt-out of the XXXX XXXX XXXX if you want us to stop obtaining new consumer report information about you in connection with the XXXX XXXX XXXX or if you no longer want to receive communications about the XXXX XXXX XXXX.
We may restrict, suspend, or terminate your enrollment in the XXXX XXXX XXXX at any time and for any reason without prior notice.
XXXX. XXXX XXXX account information Any XXXX XXXX account information provided to you through the XXXX XXXX XXXX is not the official record of your account or its activity. Your XXXX XXXX account statements, furnished to you in a paper format ( or electronically if you are enrolled in paperless statements service ), are the official record of your account and your account activity.
XXXX Credit repair disclaimer Neither XXXX XXXX XXXX Fair XXXX XXXX XXXX credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Neither XXXX XXXX nor XXXX XXXX XXXX provide " credit repair '' services or advice or assistance regarding " rebuilding '' or " improving '' your credit history, credit rating, or credit record.
XXXX. Trademark information FICO is a registered trademark of XXXX XXXX XXXX in the United States and other countries.
2021 XXXX XXXXXXXX XXXX XXXX. All rights reserved. Some content provided by FICO, which is XXXX XXXXXXXX XXXX XXXX. All rights reserved.
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09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have suffered a breach not to long ago and in the past. I am also a victim of identity theft. I have suffered tremendous pain through my financial health along with my physical health disabling me to live my life. It has cause my XXXX XXXX to shift and i am no longer in a great mental state of mind. Your unprofessionalism and your incriminating actions and violating my rights as a consumer can place you in hot water according to the FCRA, FACTA, MIB, and all other credit rights/violations that who have violated dealing with my credit file. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), some of the accounts were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XXXX, XXXX XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within five ( 5 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX day of XXXX, XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XXXX day of XXXX, XXXX.
inaccurate erroneous fraudulent accounts : 1. XXXX XXXX XXXX {$380.00} 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX {$10.00}, XXXX XXXX. XXXX XXXX XXXX XXXX - {$16.00}, XXXX.
FRADULENT INQUIRIES/INACCURATE/ERRONEOUS : XXXX XXXX XX/XX/XXXX. 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX. XXXX, XXXX. 4. XXXX XXXX XXXX, XXXX XXXX. XXXX XX/XX/XXXX.
I NEVER LIVED AT THE ADDRESS AND ANY ACCOUNTS ASSOCIATED WITH THE ADDRESS SHOULD BE TERMINATED AS I STATED IN THE LETTERS I SENT OUT SOMETIME IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I DON'T SEE THE REASON WHY I DIDN'T RECEIVE ANY DOCUMENTATIONS SHOWING ME THAT I OWE A DEBT, THERE IS NO WAY A DEBT CAN BE VERIFIED IF THE BUREAU DIDN'T PROVIDE ANY DOCUMENTS NOR VALID STEPS AS TO HOW THE PROCEDURE OF OBTAINING THIS INFORMATION ALONG WITH THE ORIGINAL DOCUMENTS IN WET SIGNATURE WASN'T SENT. THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL STAND UP FOR MY RIGHTS.
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02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The Following accounts listed below do not belong to me or are part of my Fraud Case which I have provided documentation several times. Please Delete the following accounts listed below due to it being Inaccurately Reporting on my credit report.
XXXX XXXX XXXX Equifax Account # : -- -- XXXX High Balance : -- -- {$5600.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$5600.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes after resolution Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$5600.00} Account Type : -- -- Collection Payment Frequency : -- -- -- Credit Limit : -- -- -- XXXX XXXX XXXX Equifax Account # XXXX -- -- XXXX High Balance : -- -- {$4100.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$4100.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes after resolution Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$4100.00} Account Type : -- -- Collection Payment Frequency : -- -- -- Credit Limit : -- -- -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$3300.00} {$3300.00} {$3300.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3300.00} {$3300.00} {$3300.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Collection Services Other Collection Agencies Other Collection Agencies Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Account information disputed by consumer , meets FCRA requirements Customer disputed account - reported by subscriber.
Consumer disputes this account information Subject has not satisfied debt.
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : -- -- -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$4100.00} {$4100.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$4100.00} {$4100.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
-- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$5600.00} {$5600.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$5600.00} {$5600.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
-- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX XXXX Equifax Account # : -- -- XXXX High Balance : -- -- {$3400.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$0.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account not disputed Creditor Type : -- -- All Banks Account Status : -- -- Closed Payment Status : -- -- Collection/Chargeoff Creditor Remarks : -- -- Account transferred or sold Charged off account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$0.00} Account Type : -- -- -- Payment Frequency : -- -- -- Credit Limit : -- -- XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX -- -- High Balance : {$3900.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$0.00} -- -- Closed Date : XXXX -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Bank -- -- Account Status : Closed -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Charged off as bad debt Purchased by another lender -- -- Payment Amount : {$0.00} -- -- Last Payment : XX/XX/XXXX -- -- Term Length : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : Credit Card -- -- Payment Frequency : -- -- -- Credit Limit : {$3500.00} -- -- XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$4600.00} {$0.00} {$3400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Purchased by another lender Subscriber reports dispute resolved - consumer disagrees.
Unpaid balance reported as a loss by credit grantor.
-- Consumer disputes after resolution Amount in high credit original charge-off amount Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Flexible spending credit card Credit Card XXXX XXXX Frequency : -- -- -- Credit Limit : {$4600.00} {$4600.00} -- XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX High Balance : {$5600.00} {$0.00} {$4900.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
-- Charged off account Amount in high credit original charge-off amount Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Flexible spending credit card Credit Card XXXX Payment Frequency : -- -- -- Credit Limit : {$5000.00} {$5000.00} -- XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$6200.00} {$0.00} {$5600.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$5600.00} {$5600.00} {$5600.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Amount in high credit original charge-off amount Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$5600.00} {$5600.00} {$5600.00} Account Type : Credit Card Credit Card XXXX Payment Frequency : -- -- -- Credit Limit : {$5000.00} {$5000.00} -- XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$6600.00} {$0.00} {$6600.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$6600.00} {$6600.00} {$6600.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Credit card Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$6600.00} {$6600.00} {$6600.00} Account Type : Credit Card Credit Card Credit Card Payment Frequency : -- -- -- Credit Limit : {$5700.00} {$5700.00} -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX -- -- High Balance : {$0.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$0.00} -- -- Closed Date : XXXX -- -- Account Rating : Closed -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Credit Union XXXX -- Account Status : Closed -- -- Payment Status : Current -- -- Creditor Remarks : Credit card lost or stolen -- -- Payment Amount : {$0.00} -- -- Last Payment : -- -- Term Length : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : Credit Card -- -- Payment Frequency : -- -- -- Credit Limit : {$5000.00} -- -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$4900.00} {$0.00} {$3300.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Credit Union Credit Card XXXX Credit Union National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
Account transferred or sold Charged off account Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$5000.00} {$5000.00} -- XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$11000.00} {$0.00} {$11000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$11000.00} {$11000.00} {$11000.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$11000.00} {$11000.00} {$11000.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$10000.00} {$10000.00} -- XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$7200.00} {$0.00} {$810.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$810.00} {$810.00} {$810.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$810.00} {$810.00} {$810.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$500.00} {$500.00}--
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10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX have lied for years to the credit bureaus, they never had validation of these two medical debts for years, not until XXXX XX/XX/XXXX, two months ago!, did they admit even halfway that they they Just now contacted their client and tried to say what they have now is illegal, and should be barred from reporting to the Credit bureaus. Never has validation been provided and the proof is herein. You all Better fix this quick or youre gon na get sued hard and deep.
I have been victimized by fraud and am still being victimized by XXXX XXXX XXXX XXXX, a collection agency.
XXXX XXXX XXXX, a collection agency located in XXXX, North Carolina has been attempting to collect two medical debts from me stemming back several years.
XXXX XXXX XXXX ( also known as XXXX XXXX ) is contracted by XXXX, XXXX XXXX, a local Physicians staffing company also located here in XXXX, N.C.
XXXX, XXXX XXXX is contracted by XXXX XXXX, a local hospital also located here in XXXX, XXXX.
XXXX XXXX is a local hospital here in XXXX, N.C. that supposedly provided services to me back in XXXX at which time there were supposedly two different visits with one being {$85.00} and another approximately {$1000.00}.
Over a year ago I noticed these two charges on my credit report and began disputing these two charges with Equifax, XXXX, and XXXX through this dispute process XXXX XXXX XXXX was included because they were the furnisher of information being provided to the credit bureaus for many years and claim to own the two accounts now which at one point were supposedly two medical debt collections and now are being called merely collections by XXXX.
I learned throughout this process first that when a collection agency buys or takes control over debts they purchase or contract with, etc., is that they can tag those accounts now as simply collection accounts in most cases so that they deceive anyone reviewing my credit as a regular collection account and not a medical collection account so that it affects my credit score in the worse possible way and does not appear to someone reviewing my credit as a medical debt which is to be and usually is ignored in a credit review because medical collections are not treated or viewed the same with regards to one 's credibility.
And so I began the process of disputing these collections and did not realize what I was getting myself into. Thus far, I have documented evidence, absolute proof of, and will demonstrate if needed to anyone that XXXX XXXX XXXX, in their collaboration with me regarding these two collection accounts have.
Violated North Carolina state laws by sending me collection letters with threatening or coercing content and participated in deceptive behavior by threatening me with laws that do not exist to stop me from disputing these two medical debts.
Violated HIPPA Federal Law by mailing a document that they claim is a statement of service provided to me during those two visits, which they received in XXXX XXXX of XXXX after months, and hours, pleading with them for validation of these two accounts - a statement that illegally included the doctors name that supposedly performed services on me during those visits. The document also included the services section clearly showing service of some sort that had been Xd out ( XXXX XXXX ) over the actual content. This entire document was in direct violation of HIPPA and they either fabricated it years later after multiple disputes or XXXX, XXXX, XXXX Or XXXX XXXX provided it to them. Naturally, they would be the source of the information so they are directly responsible for that data ever being in the hands of the collection agency.
There are specific laws about what can be given to a contract collection agency and those laws were not followed at all as I was embarrassed to have received that from the mail from the collection agency. I was appalled that a collection agency would have my doctor 's name that worked for an entity contracted for XXXX XXXX.
Violated Federal Law 15C by sending me collection letters with threatening or coercing content and participated in deceptive behavior by threatening me with laws that do not exist to stop me from disputing these two medical debts.
Either lied to all credit bureaus over the past few years or months when they responded to each dispute of validation filed with each credit bureau time and time again thus causing the credit bureaus to agree with them and discredit my dispute thus causing : My credit score to be dramatically low for years.
Violating my rights to due process by not allowing me to dispute correctly, completely, accurately, and ly, and by eliminating the possible outcome of an amicable resolution by their false claims of validation when their account just received that information in XXXX, XXXX.
Caused and still are causing severe health and mental problems with me for months dealing with these disputes, the threatening letter, and coercion with fear that Im going to get arrested for disputing what now is proven to be a pattern of deceptive trade practices at the highest levels with this company XXXX XXXX XXXX.
This caused me to lose work, lost employment, XXXX, and XXXX, and not be able to focus on anything but the destruction this company XXXX XXXX XXXX XXXX has done to my credit and my quality of life.
This caused me to lose financing, and embarrassment, even though I have a perfect credit history of credit reports from over 20 creditors and accounts on my credit report and not one single account has ever had a late payment. I have a stellar fico rating with XXXX, the highest achievement possible in credit reporting.
Falsifiedinformationn to the federal government. Providing false and misleading information by responding to complaints via the Consumer Finance Protection Board, a federal entity engaged in monitoring and administering complaints about the Fair Credit Reporting Act and complaints between consumers and the credit bureaus, and complaints between consumers and creditors.
I filed XXXX disputes against XXXX XXXX XXXX XXXX in various efforts to correct inaccurate or not validated information being reported to the credit bureaus and until XX/XX/XXXX, according to themselves, anything before this date would be bogus, deceptive, lies, cheating, criminal, and most of all appalling that Novant Hosptial and XXXX, XXXX XXXX had not supervised a contract HIPPA covered entities like this better to protect my rights and now my mental health with the XXXX they have caused me over the lengthy time dealing with this. Every single complaint and dispute regarding the validation of these XXXX accounts has proven to be valid and this company should have been removed from my credit file years ago.
Possibly all XXXX times, but several times have XXXX XXXX XXXX XXXX knowingly with intent after several disputes, perjure themselves and falsify documentation to the federal government via CFPB web portal.
Failed to, after 30 days of my initial dispute of validation, removed themselves from my credit file but they lied, and knowingly did not possess validation documentation and every encounter with them since has been deceptive and illegal.
Proven a track record of rogue deceptive behavior in their collections with these two accounts.
This caused me to have hours, days, and months involved each day in dealing with, writing, responding to complaints and disputes, reading, and learning federal and state laws regarding collections agencies and the Fair Credit Reporting Act, and HIPPA regulations.
XXXX XXXX XXXX has broken several state and federal laws and have Perjured itself multiple times since it began its efforts to collect these two medical debts from me stemming back several years as discussed above. I have proof of every claim and documentation.
I have filed disputes with : a. CFPB ( Consumer Finance Protection Board ) b. FTC ( Federal Trade Commission ) c. The Attorney General 's office of North Carolina XXXX
d. Equifax, XXXX, and XXXX credit agencies XXXX XXXX XXXX through the respective outlets listed.
I have not received any helpful information from any of these parties but my statement of facts and proof of evidence was not submitted as I was still investigating these reports by XXXX XXXX XXXX XXXX.
This report is being finalized and I will be submitting this to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX for their input as to rectifying this series of events. I possibly will file this with public media outlets that are to be determined. I am going to extend to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and Novant Hosptial the opportunity of rectifying what I have disclosed and if I am not satisfied with their response I will turn this over to a staff of attorneys, that specializes in Federal and State laws, HIPPA, and the Fair Credit Reporting Act that have shown great interest in these events.
I would ask that all credit bureaus remove this bogus company from my credit files immediately.
In recap, I have requested validation of these accounts multiple times from all credit bureaus and XXXX XXXX XXXX and you have all failed.
XXXX, XXXX XXXX has received these complaints about XXXX XXXX XXXX XXXX, who originally owned these two medical debts and passed them on to XXXX XXXX XXXX XXXX, The collection agent for XXXX XXXX, XXXX, and have done nothing about it.
Before receiving a letter ( attached from XXXX XXXX XXXX ) mailed to me and received by me in XXXX of XXXX. Nobody would listen to me.
This letter mailed to me by XXXX shows that and proves that XXXX XXXX XXXX has never properly or honestly validated these medical debts with the credit bureaus after each dispute that I have filed with each credit bureau and shows gross negligence by each credit bureau that accepted XXXX XXXX XXXX validation of these medical debts during a period that no validation documentation existed and for failure to investigate my claims of validation multiple times.
This letter attached shows by their own account, that they never had any validation documentation in their possession for these two accounts they have been reporting against me for years, until XXXX XXXX, AND, XXXX XXXX XXXX XXXX apparently and routinely broke the rules of engagement that they are required to abide by in contract with the credit bureaus ( Equifax, XXXX, and XXXX ), XXXX XXXX XXXX, knowing and maliciously, Failed to have the required validation documents for years and lied about it to the credit bureaus and me only recently in XXXX of XXXX admitted they then contacted their client XXXX XXXX, XXXX, and claimed they were told by XXXX XXXX, XXXX, that these two accounts were valid.
This is hearsay and secondly they then at that point mailed me a statement in their description of a form that violated my HIPPA protection and federal law violations.
Before XX/XX/XXXX, XXXX XXXX XXXX by their admission in that letter, indirectly admitted to just now ( XX/XX/XXXX ) contacted their client XXXX, XXXX XXXX, for their validation apparently, but before that, never maintained records of validation in their place of business, and this further proves that they perjured themselves to the credit bureaus time and time again when disputing my dispute of and in the request of validation.
I have requested through disputes of validation of these two accounts from all three credit bureaus and XXXX through disputes for 1. Honest and reliable validation supporting their even most basic right to collect these accounts against me, and to date have not received a proper response to the validation of these two accounts, and 1b. It has all been lies, deception, and possibly a conspiracy with the collection bureaus in their rebuttal to all of the disputes regarding validation of these two accounts, to me and the credit bureaus unless there is a conspiracy with the credit Bureaus and XXXX to continue to harm me for years even though no validation was ever-present in the first place, with the proof being by their admission in this letter, and 2. I, respectively, asked simply for Proof to these accounts were valid before I would pay them if they were determined to be valid, and 3. My rights have been destroyed by XXXX XXXX XXXX XXXX for never providing me the proper information for years and after pleading with them all to produce this validation requires by law, and 3b. For XXXX in their providing of false and inaccurate data to the credit bureaus and me, directly violating my right to due process by not allowing me to engage in a valid collaboration of dispute with no possibility of an amicable or just resolution to the dispute, and 3c. For XXXX in falsifying their responses to the federal agency, CFPB, on their web platform that logs and administers complaints revolving around the fair credit reporting act, and 3d. And XXXX, XXXX XXXX, and XXXX XXXX should be found at fault for not supervising such events with a company they contract with ultimately allowing XXXX to act as a rogue collection agency that operates with total disregard to federal and state laws, and 4. Knowingly knew about these complaints as they revived complaint copies of each dispute as they were filed, but never responded to, allowed an entirely to operate in affiliation with them, That not only violated many rules/laws under the fair credit reporting act, they 5. Violated HIPPA rules/laws when they gained and furnished to me through the US mail along with that letter in reference ( Attached ), what looks to be a form or what XXXX called in that letter to me, and looks like a third grader prepared it in on their word processor, a document with the doctor 's names that performed services on me, which is illegal, they were only to provide to me the entity name of the original creditor, and 6. The document they sent to me even has the services section in clear view, but it was XXXXd out thank God!, But, 6a. Was A CLEAR AND PRECISE DOCUMENT WITH HIPPA VIOLATION WRITTEN ALL OVER IT!, 7. And so several years later we finally see their failed attempt to produce validation of these accounts because the pressure was getting hot to produce this validation because of my due diligence, and it gets even worse, 8. they made the worse and most careless mistake ever when they sent that letter and the enclosed statement that Violated my health information privacy rights protection. ( HIPPA ), and to make matters even worse, 9. They threatened me by referencing law that was in effect for me disputing their collection attempts and their reporting of me to the credit bureaus, and worse, attempted to coerce me by this referenced law that does not even exist, and 10. I an effort to shut myself up from disputing those two accounts because the big lies were coming to the surface I was and continue to be diligent in my investigations about my credit file being damaged for years by XXXX, and 11 And XXXX were deceptive referencing a nonexisting law in their efforts to thwart me in my investigation endeavors and broke many many Laws, and federal rules, and 12. XXXX has caused me to be sick the entire time.
13. I asked anyone reading this, Why couldn't be honest and do the right thing?
14. To add continued anxiety they continue even today, to engage in this same behavior by still reporting these two accounts against me, with no apologies for their wrongdoing and with no concern to even me or my health but most importantly ; state and federal laws.
Thank you for your time and assistance in this matter. I am Sincerely yours, XXXX XXXX XXXX
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04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
It has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621. The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or autho
rization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have XXXX Bank on my credit report.
The report is inaccurate 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
15 U.S. Code 6805 - Enforcement- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).
( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.
( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.
( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.
( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.
( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.
( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.
( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.
15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
15 U.S. Code 1681i ( 2 ) ( A ) ( ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
I am protected by Privacy Act of 1974, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.
According to the IRS publication charge offs are a certificate of indemnification. This means its income! You can not report income on a credit report!
Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Violation # 9 Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Violation # 10 Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Open ended consumer plan ( an account with more than 4 payments ) accounts late payment notifications is illegal. Companies may not directly or indirectly report accounts to creditors. 15 USC 1602 ( j ) 15 U.S. Code 6805 Enforcement ( a ) In generalSubject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).
( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.
( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.
( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.
( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.
( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.
( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.
( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.
( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.
( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).
( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.
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06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On or about XX/XX/XXXX accepted by XXXX, Equifax and XXXX.
XXXX XXXX XXXXXXXX Tracking No.7020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax Tracking NoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX Tracking NoXXXX XXXX XXXX XXXX XXXX NOTICE OF WILLFUL NONCOMPLIANCE WHEREAS, XXXX, Equifax and XXXX, have not updated all of my personal information, addresses, employment and have not deleted the inaccurate errored items. In addition XXXX, Equifax and XXXX, are willfully, attempting to mislead information and/or intimidate, undermine my ability to operate in commerce, by adding unauthorized transactions, of commercial information, and new items to my consumer report when under investigation, without written consent. I have not received any mailed copy of certification and/or notice. In accordance with 12 U.S. Code 3412 Use of Information, and with the Fair Credit Reporting Act 15 U.S. Code 1681, I have the right to privacy, also in accordance with 15 U.S. Code 6802, No financial institution may not disclose any nonpublic personal information without my written consent to any third party.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 3412. Use of information ( a ) Transfer of financial records to other agencies or departments ; certification Financial records originally obtained pursuant to this chapter shall not be transferred to another agency or department unless the transferring agency or department certifies in writing that there is reason to believe that the records are relevant to a legitimate law enforcement inquiry, or intelligence or counterintelligence activity, investigation or analysis related to international terrorism within the jurisdiction of the receiving agency or department.
( b ) Mailing of copy of certification and notice to customer When financial records subject to this chapter are transferred pursuant to subsection ( a ), the transferring agency or department shall, within fourteen days, send to the customer a copy of the certification made pursuant to subsection ( a ) and the following notice, which shall state the nature of the law enforcement inquiry with reasonable specificity : " Copies of, or information contained in, your financial records lawfully in possession of have been furnished to pursuant to the Right of Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ] for the following purpose :. If you believe that this transfer has not been made to further a legitimate law enforcement inquiry, you may have legal rights under the Financial Privacy Act of 1978 or the Privacy Act of 1974 [ 5 U.S.C. 552a ]. '' ( c ) Court-ordered delays in mailing Notwithstanding subsection ( b ), notice to the customer may be delayed if the transferring agency or department has obtained a court order delaying notice pursuant to section 3409 ( a ) and ( b ) of this title and that order is still in effect, or if the receiving agency or department obtains a court order authorizing a delay in notice pursuant to section 3409 ( a ) and ( b ) of this title. Upon the expiration of any such period of delay, the transferring agency or department shall serve to the customer the notice specified in subsection ( b ) and the agency or department that obtained the court order authorizing a delay in notice pursuant to section 3409 ( a ) and ( b ) of this title shall serve to the customer the notice specified in section 3409 ( b ) of this title.
( d ) Exchanges of examination reports by supervisory agencies ; transfer of financial records to defend customer action ; withholding of information Nothing in this chapter prohibits any supervisory agency from exchanging examination reports or other information with another supervisory agency. Nothing in this chapter prohibits the transfer of a customer 's financial records needed by counsel for a Government authority to defend an action brought by the customer. Nothing in this chapter shall authorize the withholding of information by any officer or employee of a supervisory agency from a duly authorized committee or subcommittee of the Congress.
( e ) Exchange of records, reports, or other information Notwithstanding section 3401 ( 6 ) 1 of this title or any other provision of law, the exchange of financial records, examination reports or other information with respect to a financial institution, holding company, or any subsidiary of a depository institution or holding company, among and between the five member supervisory agencies of the Federal Financial Institutions Examination Council, the Securities and Exchange Commission, the Federal Trade Commission, the Commodity Futures Trading Commission, and the Bureau of Consumer Financial Protection is permitted.
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04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX APARTMENTS ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX - This is not my employer. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX - This is not my employer. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my employer. Delete it immediately from my report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Equifax XXXX XXXX This I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I would like to get is account removed off my credit report As I am not the rightful owner of this account. My identity was stolen in XXXX and several account was opened under my name. And for this account I do not have any Knowledge of tis account. Therefore I will like to get this removed asap. I have contacted this account creditor several times and they are no longer in business due to being in bankruptcy. Before this situation of this creditor XXXX XXXX went out of business I sent them proof of my police report as well as my letter. They investigated this matter and found I was not the rightful owner of this account as I didnt open this account and they have record the property thats was theirs from this matter and they was going to remove this account off my credit as I did not open it nor gave them permission to open. Therefore this account should be removed asap!
XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
XXXX XXXX This account was opened without my permission nor knowledge as someone who had stole my identity opened several accounts in my name fraudulent as this is one of the accounts. I am asking to get this account removed from my report asap! I have obtained a police report and also contact the creditor and they info they as me to verify does my match to my correct info as its not mines. I have also sent them my police report to get this removed.
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX This account was not open with my permission as again my identity was stolen and several accounts was open under my name. I would like to get this account removed off my report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX This credit card account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX {$560.00} This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXXXXXX XXXX XXXX XXXX {$7600.00} balance ACCOUNT # ending in XXXX This account belongs to my XXXXXXXX XXXX XXXXXXXX XXXX who ssn is one number different from mys. This individual ( brother ) ssn ends in XXXX mys ( whom is XXXX XXXX ends in XXXX ) but this report is coming up on my report as XXXX XXXX when it should be under XXXX XXXX XXXX. I have contacted the creditor numerous times to get this fixed but they failed to do so. Im asking this account be removed from my report for mix files as my XXXXXXXX XXXX XXXX XXXX is the XXXX the owner of this account thats reporting I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXXXXXX XXXX XXXXXXXX XXXX is informing the credit bureau of XXXX about my credit report as I have pulled and obtained.
Further investigation I have come across several accounts that does not pertain me to me nor have I have any knowledge of opening as I am a victim of identity theft.
Accounts are as follows XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX This account is not my mines nor have a had or had any dealings with this bank, I have contacted them and they can not confirm any of my correct details upon asking of this debt that on my credit.
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no pro
of of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX {$3000.00} XX/XX/XXXX This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists ( XXXX ) XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
This account was open without my knowledge nor my permission by someone who stole my identity and got service. I have contacted this company and again, they can not confirm my identity of the correct info as they have let whom ever open this account and got service. I have sent in police report and they are suppose to be removing this account off my credit report. I am asking transunion to do their part and remove this account off my credit as it it not mines XXXX XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX This account belongs to my XXXX XXXX XXXXXXXX XXXX who ssn is one number different from mys. This individual ( brother ) ssn ends in XXXX mys ( whom is XXXX XXXX ends in XXXX ) but this report is coming up on my report as XXXX XXXX when it should be under XXXX XXXX XXXX. I have contacted the creditor numerous times to get this fixed but they failed to do so. Im asking this account be removed from my report for mix files as my XXXX XXXX XXXX XXXXXXXX is the one the owner of this account thats reporting I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX This I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I would like to get is account removed off my credit report As I am not the rightful owner of this account. My identity was stolen in XXXX and several account was opened under my name. And for this account I do not have any Knowledge of tis account. Therefore I will like to get this removed asap. I have contacted this account creditor several times and they are no longer in business due to being in bankruptcy. Before this situation of this creditor XXXX XXXX went out of business I sent them proof of my police report as well as my letter. They investigated this matter and found I was not the rightful owner of this account as I didnt open this account and they have record the property thats was theirs from this matter and they was going to remove this account off my credit as I did not open it nor gave them permission to open. Therefore this account should be removed asap!
XXXX XXXX This account is a mixed file, this account belongs to my brother by them of XXXX XXXX who is my XXXX and as we share like names similar ssn number as his ssn is one number different then mines as it is XXXX and my ssn ( XXXX XXXX is XXXX ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
This account was open without my knowledge nor my permission by someone who stole my identity and got service. I have contacted this company and again, they can not confirm my identity of the correct info as they have let whom ever open this account and got service. I have sent in police report and they are suppose to be removing this account off my credit report. I am asking XXXX to do their part and remove this account off my credit as it it not mines XXXX XXXX XXXX XXXX XXXX {$1100.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
This account was open without my knowledge nor my permission by someone who stole my identity and got service. I have contacted this company and again, they can not confirm my identity of the correct info as they have let whom ever open this account and got service. I have sent in police report and they are suppose to be removing this account off my credit report. I am asking XXXX to do their part and remove this account off my credit as it it not mines XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$510.00} This account is not my mines nor have a had or had any dealings with this bank, I have contacted them and they can not confirm any of my correct details upon asking of this debt that on my credit. Someone used my information/ identity thats was stolen back in XXXX my info was used to open this account that I did not give anyone permission to use nor open.
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX {$3000.00} This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
XXXX XXXXXXXX XXXX XXXX XXXX {$290.00} This account was not open with my permission as again my identity was stolen and several accounts was open under my name. I would like to get this account removed off my report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX {$190.00} This account was not open with my permission as again my identity was stolen and several accounts was open under my name. I would like to get this account removed off my report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Also, these notes address below I will like to get them removed from my credit report as they do not pertain to me but to my XXXX XXXX who share the same similar name as me.
XXXX XXXX This I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I would like to get is account removed off my credit report As I am not the rightful owner of this account. My identity was stolen in XXXX and several account was opened under my name. And for this account I do not have any Knowledge of tis account. Therefore I will like to get this removed asap. I have contacted this account creditor several times and they are no longer in business due to being in bankruptcy. Before this situation of this creditor XXXX XXXX went out of business I sent them proof of my police report as well as my letter. They investigated this matter and found I was not the rightful owner of this account as I didnt open this account and they have record the property thats was theirs from this matter and they was going to remove this account off my credit as I did not open it nor gave them permission to open. Therefore this account should be removed asap!
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX XXXX Al XXXX Back in XXXX i lost my wallet and have been experiencing numerous amouts of unknown account on my credit that im not aware of nkr authorized. such as credit inquiries ( XXXX ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, ( EQUIFAX ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fraudulent Accounts opened under my name and SHOULD BE REMOVED! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that dont belong to me thats reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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05/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Equifax Credit Bureau has proven over and over that they help illegally operating debt collectors continue reporting on consumer credit files.
Over the last 80 days, I have filed complaints after complaints against XXXX XXXX violating Federal Law, but they refuse to remove the collection and refuse to comply with the letter of the law.
A complaint was filed with CFBP Case # XXXX THE COMPLAINT READS : This complaint is against XXXX XXXX XXXX for violation of federal law of the Federal Debt Collection Practices Act 111-203, title X, 124 Stat. 2092, provisions : 15 USC 1692f, sub-chapter 807 ; 15 USC 1692g, sub-chapter 808 ; 15 USC 1692h sub-chapter 809 ; 15 USC 1692I sub-chapter 813 In XX/XX/XXXX, I had received services at XXXX XXXX XXXX XXXX for which I had paid my deductible and my insurance covered the balance. In XX/XX/XXXX, I had relocated to the State of XXXX, which is where I lived and worked through XX/XX/XXXX( Tax records verify this ). Although I maintain a XXXX mailing address, located at XXXX XXXX XXXX, XXXX, XXXX XXXX with forwarding of the mail, I had received any communication from the medical facility or from XXXX XXXX XXXX ( aka : XXXX ). However, it wasn't noticed until XXXX that XXXX had placed collection marks on my credit files with XXXX XXXX, Equifax and XXXX Credit Bureaus. But what is more interesting that I noticed that XXXX had more than doubled the original amount by adding interest and debt collection fees, which is illegal.
In XX/XX/XXXX, Disputes with all three credit bureaus were filed. In XX/XX/XXXX, when I called Equifax to find out the status of the dispute, a representative informed me that that had received paperwork from XXXX and that the debt was valid and it would stay on my credit.
My rebuttal towards that was simple : XXXX is violating federal law and the credit bureau is acting as an accomplice to the fact. Being in XXXX presently, but going back to XXXX this summer, I was able to go to my mailbox and saw the letter from XXXX, which is what I am providing to you. And in this letter, you will see the original invoice from the XXXX XXXX and the claim that XXXX had made that they are collecting late fees and collection fees. This company, and it's people, are operating illegally and should have all of their files audited. Criminal subpoenas should be issued and their licenses should be revoked. Furthermore, I would like the credit bureaus to remove the collection account from XXXX and to revoke the company 's right to report until a thorough investigation of this company has been concluded.
LASTLY : The damages XXXX has caused me has effectively harmed my credit and my ability to obtain favorable credit. And therefore, punitive damages should be sought. FEDERAL STATUES : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ) of this section, the court shall consider, among other relevant factors -- ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional ; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector 's noncompliance was intentional. ( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. ( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. ( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.
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06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
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Web |
Older American, Servicemember |
This is a complaint from the living man, XXXX, XXXX, Beneficiary, Attorney-in-Fact, Registered Agent for the Said Legal fiction Account for XXXX XXXX. I am here to report the fraud and exercise my rights and I will take it as far as I need to to expose that fraud, Deceit, identity theft, extortion, trickery, malfeasance in office and Oath, securities, trust, tax, ect., FRAUD. It is ALL fraud. there is NO money it is all on a faith based credit system... NOT MONEY. Money =Income= GOLD and SILVER ; and I do not get paid in G and S, so, with that being said, I have NO INCOME. It is all paper money. The US is bankrupt and we have been in and under the bankruptcy Act since XXXX. That makes me a consumer and I have rights and I am free... Everything is prepaid. WAKE up people. There is a credit card that I was GIVEN by the government and that credit card is unlimited credit, because I furnished and provided it to these companies, I am the only one that can operate the fictitious entity and move through it and work it like a business and know the law and truth.
I pulled my credit and i am getting mail fraud and violation letters in the mail that i will be also going after and billing and invoicing then as it is my duty to report all and any fraud and unfair dealings and practices. Which I will 100 % ... and here I am...
I did not authorize anyone employed by Equifax and all these companies listed page after page of my CR to make any inquiry on my consumer report nor did i give the credit reporting agencies any consent to put forth or provide my personal information to report to any bureau. This is a violation of the CRA section 1681 ( c ) which means and acts as fraudulent activity and is also a serious breach of my privacy rights. I need these companies to verify the debt and provide a wet signature on the contract that they have on file. I also need a copy of the complete history of accounting on the on and off ledger and that is my right to get a copy and to ensure the accuracy of these fraudulent companies using and collecting and trading my personal information on the open market. I need this to be verified in its entirety.
I also demand you, XXXX to produce a contract between you and i, the consumer, bearing my wet signature bearing that i gave you permission to furnish such information on my behalf. I also need the following for all accounts that are included in this notice and I need all these companies to send and deliver to me by mail and in writing the information request the following point by point and do not leave out any requested the following items : 1 ) Provide Validation of the debt, that is, production of account and the general ledger full history statement.
2 ) Verification of your claim against XXXX XXXX, that is, a signed invoice 3 ) A copy of the Contract binding both Company or Alleged Creditor and XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered.
4 ) A statement admitting whether you are the holder in due course or whether you are the servicer.
5 ) A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization.
6 ) The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to.
7 ) The XXXX number in which my loan was securitized to.
8 ) Make available for visual inspection my original wet ink promissory note ( NOT a PHOTOCOPY ).
Please provide the above for each company and creditor for the accounts listed below and if you are unable to provide this proof as I have requested within 30 days from the date you receive this letter, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - Article 3 3-301.
Accounts that need above items and true Validation are as follows : XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX account number XXXX ( Auto Loan ) - XXXX XXXXXXXX XXXX XXXX acct number XXXX ( Leave Open and increase limit and make available for use ).
-XXXX XXXX/ XXXX acct XXXX ( Leave credit line open and make sure it is available for use ) -XXXX XXXX XXXX acct XXXX ( Leave Open and ready to use ) -XXXX XXXX XXXX XXXX acct XXXX ( I have asked the company to send the XXXX Filing to me asap because I need to put this property in my trust ) -XXXX, XXXX Acct XXXX ( I have asked this company for my w9 to be completed and returned and they Failed and rejected my request ) I notified the IRS of this.
XXXX Acct XXXX Credit Card ( Leave this account open and ready for use and maintain correct standing and leave the limits open for me to use ).
XXXX Acct XXXX Credit Card ( Leave this line of Credit open and available for use and keep all and any limits open as I need to use the card on a daily basis ) -XXXX XXXX XXXX Acct XXXX Auto Lease ( Make sure the company updates and send the paid in full voucher to have the seats and any damages done to the vehicle be paid by the company as we have a case with an attorney for this lemon and i need adequate refund and compensation and another replacement vehicle immediately. I need the XXXX XXXX with all the upgrades, options, prepaid additions that i wish, Rims, Tires, Maintenance Paid in advance, any merchandise from the retail XXXX shops, and tinted windows and upgraded sound system and a 3m Wrap ) Since my credit card ( ss Number is unlimited, this should not be a problem. I found many violations in the original retail installment agreement and I have a billable invoice for them, which will need to be paid by them as the whole contract and alleged loan is all FRAUD and deceptive practices. I am a consumer and I know my rights ).
XXXX XXXX acct XXXX mortgage ( i have requested a copy of the XXXX FILING AS I NEED TO PUT THESE PROPERTIES IN MY TRUST ).
XXXXXXXX XXXX XXXX Acct XXXX ( Leave account open and ready to use with its limits increased and updated and paid in full monthly ).
XXXX XXXX XXXX XXXX account XXXX Charge Card ( I never asked then to closed the account and yes it is paid in full but I need this to be open and ready for use as i will be getting more homes and i need to furnish them ).
XXXX/ XXXX XXXX XXXX XXXX acct XXXX ( please leave open and available and ready to use and make sure they keep this line current and paid ).
XXXX XXXX account XXXX ( please leave open and ready for use ) XXXX XXXX XXXX XXXX Credit Card acct XXXX ( please make sure this credit line remains open and available for use with all its benefits ).
XXXX XXXX XXXX XXXX Auto Lease ( Keep showing its paid in full and also I need the refund of over payments that are owed to me immediately. I need another car also, please have the company get me into another car as I know they are trading on my number as I never asked for the account to be closed ). I prefer a XXXX XXXX XXXX XXXX sport and Manual if possible XXXX XXXX / XXXX XXXX, and XXXX XXXX with XXXX XXXX I need this immediately.
XXXX XXXX XXXX acct XXXX Auto Lease ( Please keep this showing as paid in full as I was never late. However I know that I am the original source of the credit so I am in need of a refund for all the balance and credits owed and due to me. Please send check to the address provided without delay.
XXXX XXXX XXXXXXXX Credit Card acct XX/XX/XXXX. Please keep this line open as I never instructed or authorized the company to close it. I need a new card opened and sent to me with the credit limit and ready to use. Please refund any amount owed to me as I am the original source of credit. I need a new open and ready card sent to my home address listed in this letter. i also demand that they update and make sure that each month the account is paid and full and stays current.
-XXXX XXXX / XXXX XXXX XXXX acct XXXX ( Please make sure that this card is open, active, and ready to use as i please. please keep this card updated and current monthly and I need a new card if this account was closed without my consent ) -XXXX acct XXXX Credit Card ( Please keep this card showing paid in full never late and I never asked or gave my consent to close this account ).
XXXX XXXX XXXX Acct XXXX ( please keep the good standing and paid in full and never late updated. I also need a copy of the original Promise to Pay, original instrument to this transaction. The promissory not is the instrument which is like a check and is due to me. Please send the refund check to my home address. I also need the XXXX filing for this loan ) -XXXX XXXX XXXXXXXX XXXX acct XXXX ( Please keep this account in good standing and on the report as Paid in Full and Never late ). I also need a copy of the XXXX filimng for this loan and I also need a copy of the Promissory Note as that is like a check and I am entitled to those funds.
XXXX XXXX XXXX XXXX acct XXXX ( Please keep this showing in good standing and paid in full and never late. I also need a copy of the XXXX filing and the original Promissory not which is a check to me.
XXXX XXXX acct XXXX XX/XX/XXXX Credit card ( I never asked to closed this account nor did I give my consent to close it. Please keep the good standing and Paid in full information. also if this is a credit card, I am requesting that i get the benefits of the credit available and ready to use and if I need another new card, send me one ready to use and loaded with credit. send me a new card to my address listed in this letter ) - XXXX XXXX Mortgage acct : XXXX ( I need a copy of the Promissory original Note and a copy of the XXXX filing. ) Keep this account showing as paid in full, Never late.
XXXX XXXX XXXX account XXXX XXXX XXXX ( Please keep the account showing paid, never late. and i never authorized them to close the account so, if there is a limit available for me to use and keep the line of credit showing current and paid in full since they have my social sec. card which is unlimited credit. Send me a new card ready and available for use.
-Nationstar/ Mr.Cooper account XXXX ( please keep this showing paid, never late. I also need a copy of the XXXX note, the original as that is funds due to me. I also need a copy of the XXXX XXXX ).
-XXXX XXXX XXXXXXXX acct XXXX Mortgage ( please keep showing paid and never late. I also need a copy of the XXXX XXXX and the original copy of the Promissory Note as that is a check and due to me.
XXXXXXXX XXXX XXXXXXXX XXXX XXXX acct XXXX Please send me the XXXX filing and keep the account showing as paid, never late. I also need the original Promissory note as that is the amount that is owed to me.
-XXXX XXXX acct XXXX Mortgage ( Please send me the XXXX Filing, which I have already asked for and I need a copy of the original promissory note as that is a check that is owed to me.
Keep account in good standing and showing paid, never late.
XXXX XXXX acct XXXX ( Please keep the account showing paid, never late ). I never asked and consented to the account being closed. So, keep this file and account ready for use and send me a new card ready for use.
XXXX XXXX XXXX account XXXX. ( Please keep this account showing XXXX, Never XXXX ).
XXXX XXXX XXXX XXXX account XXXX ( please keep this account showing PAID, NEVER LATE ) I never asked or consented to this account to be closed. If there is a credit that is due and owed to me, please send me a ready to use card with the limits and keep them current and updated monthly.
-XXXX/ XXXX XXXX ACCT XXXX CHARGE CARD ( Please keep this account showing paid, never late and if there is a credit usage limit for me, please send me ready to use credit card to my address ) -XXXX- Living Spaces Acct XXXX ( Please leave this account showing PAID, NEVER LATE. And I never consented for the company to close my account. If there is credit for me to use, send me a new credit card as I am going to need it and I really can use it ).
XXXX XXXX XXXX and XXXX Acct XXXX XXXX keep this account showing as NEVER LATE, PAID and i never asked or consented to the company to close my account. If there is credit usage available, send me a new card as I need a whole new appliance package and tv 's for my homes ).
XXXX? XXXX acct XXXX ( Please keep this account showing NEVER LATE and PAID. I never c consented for the account to be closed ). If there is a credit due to me, please send me a new card and loaded and ready to use.
XXXX XXXX XXXX Acct XXXX ( Please keep this account showing paid, never late and I never requested or consented for this account to be closed ). If there is credit available for me to use, please send me a new card bc i do need furniture for my home.
XXXX XXXX XXXX acct XXXX : I do not have a contract with this company and I never signed any contract. This account needs to be removed and updated immediately.
XXXX XXXX XXXX XXXX XXXX This inquiry is fraud and needs to be removed immediately American XXXX XXXX XXXX This inquiry is FRAUD and needs to be removed immediately END OF ACCOUNTS LISTED -- -- -- -- -- -- -- -- -- -- Under US Code TITLE 15 CHAPTER 41, SUBCHAPTER V 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until these matters are resolved. You are hereby given notice. Blatant disregard for this law is subject to fines and are billable by the FTC. You are advised to consult legal counsel on these matters included in this notice in its entirety.
In the event the debt is NOT properly validated by you, as required by the FDCPA, you have a legal obligation and responsibility to terminate the claim and correct any and all negative consumer reporting which may have been made in connection with the alleged debt.
In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries and accounts be immediately updated and corrected and if they need to be deleted, then that needs to be done immediately from the credit file you maintain under my social security number Please note that you have 30 days to produce the requested contract and to complete this investigation as per the FRCA section 611.
My contact information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I request that all communication MOVING FORWARD be done in writing and only writing to maintain its accuracy and chain of events. in the event i need to pursue legal action, i will be able to with concrete and complete accuracy. I am the original source of credit anytime my social security is furnished to these corporations and that makes it a consumer credit transaction. I am powerful and I will exercise my rights to the maximum, if needed. I'm not playing around with these fraudulent companies that are stealing and making a fortune off of me.
Best regards, XXXX : XXXX, [ Agent/ Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved NOTICE TO PRINCIPLE IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPLE. This is my notice and I will be reporting these companies that have my social security number to the IRS. Yes, I will 100 %. I know my rights and I an aware of what is going on. I am a living person that is FULL FAITH AND UNLIMITED CREDIT. I need my benefit.
These companies have been put on notice to get this corrected and adjusted in 30 days.
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09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within fivXXXX business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The XXXX XXXX XXXX XXXX, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section XXXX04 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX XXXX XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER XXXX XXXX ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( XXXX ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX day of XXXX, XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX XXXX schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER XXXX XXXX. Disputing the Debt, Dated this 23 day of XXXX, XXXX. By : XXXX XXXX Incorrect erroneous Accounts : 1. XXXX XXXX - XXXX 2. XXXX XXXX - XXXX. FRAUDULENT INQUIRIES : 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XXXX, XXXX, XXXX 3. XXXX XXXX - XXXX, XXXX, XXXX 4. XXXX XXXX - XXXX XXXX, XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XXXX. XXXX, XXXX 7. XXXX XXXX - XXXX XXXX, XXXX 8. XXXX XXXX - XXXX XXXX, XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX 10, XXXX XXXX - XXXX, XXXX, XXXX
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09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the fair credit reporting act XXXX accounts, 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 9. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 11. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXXXXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 13. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 20. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 21. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 22. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 23. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 24. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 25. I Was Never Late on this account XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
26. I Was Never Late on this account XXXX XXXX Account Number : XXXX violated my rights.
15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX 4. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 9. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 11. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 13. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 20. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 21. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 22. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 23. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 24. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 25. I Was Never Late on this account XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
26. I Was Never Late on this account XXXX XXXX Account Number : XXXX 15 U. S. C 1666b Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not you must delete these alleged lates payment from my credit report.
27. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 28. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 29. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 30. 15 U.S. Code 1681b - Permissible purposes of consumer reports Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 31. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Sincerely yours, XXXX XXXX
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10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern : Please accept this letter as my formal complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX ( XXXX ), and Equifax Information Services, LLC ( Equifax ), consumer reporting agencies, for violating the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 requirements.
I am a consumer and natural person as defined by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( c ).
Upon learning of the inaccuracy information, I promptly notified all three credit bureaus with written dispute letters.I asked each consumer reporting agency : XXXX, XXXX and Equifax, to properly verify and reinvestigate the disputed accounts : XXXX XXXX XXXX XXXX.
On or about XX/XX/XXXX, a formal written dispute was mailed via certified mail ( attached proof of delivery with tracking number ) to Equifax information Services LLC requesting an investigation to the following information : XXXX XXXX XXXX XXXX. My letter was received and sign for by an Equifax employee on XX/XX/XXXX at XXXX XXXX.
On or about XX/XX/XXXX, Equifax Information Services LLC mailed a confirmation of the results of my dispute to my address ( confirmation # XXXX ) On or about XX/XX/XXXX, Equifax Information Services LLC mailed a confirmation of the results of my dispute to my address ( confirmation # XXXX ) On or about XX/XX/XXXX, a formal written dispute was mailed via certified mail ( attached proof of delivery with tracking number ) to XXXX XXXX XXXX requesting an investigation to the following information : XXXX XXXX XXXX XXXX. My letter was received and sign for by an XXXX employee on XX/XX/XXXX at XXXX XXXX.
On or about XX/XX/XXXX, a formal written follow up letter for the initial dispute was mailed via certified mail On XX/XX/XXXX XXXX mailed a letter stating they were currently investigating my dispute, and in receipt of additional information regarding this dispute. Due to the additional information, the time frame for completing the investigation has been extended. XXXX stated my initial correspondence was received on XX/XX/XXXX, and additional information was received on XX/XX/XXXX, which allows them fifteen additional days. Therefore, my investigation would be completed on or before XX/XX/XXXX. ( File number XXXX ) On or about XX/XX/XXXX, a formal written dispute was mailed via certified mail ( attached proof of delivery with tracking number ) to XXXX XXXX XXXX XXXX XXXX requesting an investigation to the following information : XXXX XXXX XXXX XXXX. My letter was received and sign for by an Equifax employee on XX/XX/XXXX at XXXX XXXX.
My letter was received and delivered at a XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX.
XXXX responded with report number XXXX with the results of the reinvestigation of my dispute regarding the account : XXXX XXXX XXXX XXXX XXXX XXXX stated the information you disputed has been verified as accurate, information unrelated to your dispute has been updated. Please review your report for the details.
Before I initiated the dispute with XXXX, the following information was reported : Account Name : XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Status : Repossession Balance : {$23000.00} Original Balance : {$23.00}, XXXX Highest Balance : {$0.00} Terms : XXXX months Payment history : XXXX days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, Repossession as of XX/XX/XXXX, Repossession as of XX/XX/XXXX Under 15 U.S.C 1681e ( b ), a credit reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom a report relates. Federal appellate courts have held that Maximum possible accuracy means that a credit report must not be misleading or incomplete in such a way and to such an extent that it can be expected to have an adverse effect. After failing this requirement, XXXX updated the information I disputed for XXXX XXXX XXXX XXXX as well as information unrelated to the dispute. The following changes were made to the account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Repossession. {$940.00} written off. {$1900.00} past due as of XX/XX/XXXX Balance : {$1900.00} Original Balance : {$23000.00} Highest Balance : {$0.00} Terms : XXXX months Payment history : XXXX days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX, XXXX days past due as of XX/XX/XXXX, Repossession as of XX/XX/XXXX, Charge off as of XX/XX/XXXX, Repossession as of XX/XX/XXXX XXXX willfully continued to report inaccurate information. After updating my credit report following the reinvestigation, my payment history status was updated to reflect Charge off as of XXXX and Repossession as of XX/XX/XXXX. How can the status go from Charge Off to Reposession? Inaccurate and false information was clearly updated on my credit report.
My credit report also contains the following duplicate XXXX XXXX XXXX XXXX account with the same account number. My credit report is misleading and implies that I had two separate auto loans from the same company, opened on different dates. This is absolutely false. There should have only been one account listed from XXXX XXXX XXXX XXXX on my credit report. Please revisit the following duplicate account and I request to have it removed from my credit report immediately.
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$22000.00} Terms : XXXX months Payment history : XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX After the dispute, payment history was updated to : XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX As a result of the reinvestigation of my dispute, XXXX XXXX that the information is accurate and information that was updated was still inaccurate.
XXXX responded to another dispute to reinvestigate the account : XXXX XXXX XXXX XXXX with report number XXXX. The reinvestigation resulted in the item I disputed being updated, remaining on my credit report.
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$940.00} written off. {$1900.00} past due as of XX/XX/XXXX Balance : {$1900.00} Original Balance : {$23000.00} Highest Balance : {$0.00} Terms : XXXX months Payment history : XXXX days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, Repossession as of XX/XX/XXXX, Repossession as of XX/XX/XXXX, Charge off as of XX/XX/XXXX to XX/XX/XXXX The payment history was updated again with inaccurate information. Now the status is Repossession as of XX/XX/XXXX, but it was Charged off as of XX/XX/XXXX before, and now the account was charged off as of XX/XX/XXXX when before it was Repossession as of XX/XX/XXXX. Its obvious there has been an inconsistency of information being reported on my credit report.
The continuous reporting of a balance of {$1900.00} indicates an ongoing financial obligation, when in fact, there should be no balance being reported, being the account was charged off months ago. Here we are, months later after the account has been charged off still reporting a balance, and it continues to increase.
The duplicate account : XXXX XXXX XXXX XXXX still remains on my credit report inaccurately and following the reinvestigation resulted in the account being updated. Before the dispute, the account was listed on my credit report as : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$22000.00} Terms : XXXX months Payment history : XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX Reported being closed in XX/XX/XXXX After the dispute, the account was listed on my credit report as : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$22000.00} Terms : XXXX months Payment history : XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX Reported being closed in XX/XX/XXXX I have attempted multiple attempts to resolve my credit report disputes, directly with the credit reporting agencies without success. The credit reporting agencies continues to violate the law by reporting erroneous and inaccurate information on my credit report after filing disputes for reinvestigation of these accounts. As a result, this false and inaccurate information continues to cause actual damaging harm and is grounds for removal and the credit reporting agencies fail to do that, consciously avoiding that the information is inaccurate. The credit reporting agencies is blandly avoiding FCRA compliance by using templated investigation processes and rote, computer-generated responses that absolutely does not offer a reasonable, thorough or complete resolution of my consumer complaint.
Its evident the credit reporting agencies are not being enforced to abide my the FCRA regulations. XXXX, Equifax and XXXX is regularly, without any regard, violating FCRA requirements by failing to investigate or respond efficiently to my constant dispute requests, even when submitted by third parties. The consumer reporting agencies is proving that they have little care to treat consumers fairly when our credit reports possess errors. This ongoing issue has inflicted serious harm and injury arising from all three credit reporting agencies faulty /deceptive dispute process.
XXXX, Equifax and XXXX negligently failed to comply with the requirements of FCRA by : Failing to maintain reasonable procedures designed to avoid violations of section 15 U.S.C 1681c ( 15 USC 1681 ( e ) ( a ) ) Failing to respond to my credit report dispute request within statutory timeframe Failing to perform a reasonable and thorough investigation to assure maximum possible accuracy of my credit report ( 15 USC 1681e ( b ) ) Failing to conduct a reasonable reinvestigation of my disputes to determine whether the information disputed is inaccurate ( 15 U.S.C Sec. 1681i ( a ) ).
Failing to correct erroneous information contained in my inaccurate credit report after repeated and reasonable requests Failure to make the account in dispute As a direct and proximate cause of XXXX failure to perform its duties under the FCRA, I have suffered, and continue to suffer substantial injury, actual damages including injury to my credit worthiness, emotional distress, lost opportunity to receive credit and increased difficult obtaining credit as a result of the credit reporting agencies violations of the FTC Act and the FCRA, 15 USC 1681 et. seq. This includes higher interest rates, loan rejection, decline in credit limit increase, and difficulty obtaining a car loan and more. In addition, I have suffered embarrassment, XXXX, humiliation and other emotional injuries as a result of errors on my credit report and credit worthiness.
XXXX actions clearly reflect poor response efforts and lack of compliance required by the major credit reporting agencies.
FIRST CLAIM OF RELIEF ( FCRA - 15 U.S.C. 1681n ) I reallage paragraphs 1-10 as if fully set forth herein.
XXXX, XXXX and Equifax committed willful violations of the FCRA under 15 U.S.C. 1681n et. seq. including but not limited to : a ) failing to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports, as required by 15 U.S.C. 1681e ( b ) : b ) failing to comply with the investigation requirements in 15 U.S.C 1681i ; c ) failing to follow reasonable procedures, as required by 15 U.S.C 1681h ( e ) ; d ) failing to provide sufficiently conspicuous notice of my rights to have my corrected credit report pursuant to 15 U.S.C 1681i ( d ) ; e ) maintains no reasonable procedures to verify information as required by 15 U.S.C 1681g ; f ) negligently and willfully violated 15 U.S.C. 1681s-2 by reporting information with actual knowledge of errors As a result of XXXX, XXXX, and Equifaxs violations of the FCRA, I have suffered injuries including my denial of a auto loan recently applied for, continues to suffer, and will suffer future damages, including denial of credit, frustration, emotional distress, humiliation, worry, lost opportunity to receive credit, damage to reputation, and embarrassment, all to my damages in the amount exceeding {$30000.00} ( XXXX USD ), or an amount to may be determined by the court.
I am entitled to punitive damages in an amount to be determined by the court.
I am entitled to actual and statutory damages in an amount to be determined by the court.
I am entitled to attorney fees, pursuant to 15 U.S.C 1681n ( a ).
SECOND CLAIM FOR RELIEF ( FCRA - 15 U.S.C 1681o ) I reallege paragraphs 1-10 as if fully set forth herein.
XXXX, XXXX and Equifax committed negligent violations of the FCRA under 15 U.S.C 1681o et. seq. including but not limited to : a ) failing to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports, as required by 15 U.S.C. 1681E ( B ) : b ) failing to comply with the investigation requirements in 15 U.S.C 1681i ; c ) failing to follow reasonable procedures, as required by 15 U.S.C 1681h ( e ) ; d ) failing to provide sufficiently conspicuous notice of my rights to have my corrected credit report pursuant to 15 U.S.C 1681i ( d ) ; e ) maintains no reasonable procedures to verify information as required by 15 U.S.C 1681g ; f ) negligently and willfully violated 15 U.S.C. 1681s-2 by reporting information with actual knowledge of errors As a result of XXXX, XXXX, and Equifaxs violations of the FCRA, I have suffered actual damages including transportation expenses through XXXX, etc. arising from the denial of an auto loan, credit limit increase denials for existing credit cards, continues to suffer, and will suffer future damages, including denial of credit, frustration, emotional distress, humiliation, worry, lost opportunity to receive credit, damage to reputation, and embarrassment, all to my damages in the amount exceeding {$30000.00} ( XXXX USD ), or an amount to may be determined by the court.
I am entitled to punitive damages in an amount to be determined by the court.
I am entitled to actual and statutory damages in an amount to be determined by the court.
I am entitled to attorney fees, pursuant to 15 U.S.C 1681o ( a ).
To resolve this problem, I am seeking and would appreciate equitable monetary relief, as well as an immediate removal of both these negative and inaccurate XXXX XXXX XXXX XXXX accounts from my credit report from all three credit bureaus. As the act of good faith, and settling this matter, I look forward to receiving monetary compensation, in the amount of {$10000.00} ( XXXX XXXX USD ). Based on pieces of evidence, I offered a reasonable, fair solution to settle this matter.
Please be advised payment must be made in the form of a certified funds, such as money order or cashiers check. Kindly send cash payment by check to my address listed in this document.
Enclosed are copies of my records ( certified electronic receipts, dispute letters, etc. ) I look forward to your immediate action on my claim.
Sincerely, Consumer
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09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act XXXX accounts, 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX 4. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 9. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 11. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 13. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 20. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 21. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 22. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 23. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 24. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 25. I Was Never Late on this account XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 26. I Was Never Late on this account XXXX XXXX Account Number : XXXX violated my rights. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 9. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 11. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 13. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 20. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 21. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXXXXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 22. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX & XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 23. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 24. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 25. I Was Never Late on this account XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 26. I Was Never Late on this account XXXX XXXX Account Number : XXXX 15 U. S. C 1666b Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not you must delete these alleged lates payment from my credit report. 27. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 28. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 29. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXXXXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 30. 15 U.S. Code 1681b - Permissible purposes of consumer reports Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 31. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely yours, XXXX XXXX
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03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The inquires listed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The inquires listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have ran my credit and made transactions on these inquires without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing XXXX business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The XXXX XXXX XXXX XXXX, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX XXXX XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER XXXX XXXX ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( XXXX ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) XXXX times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX day of XXXX, XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX XXXX schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER XXXX XXXX. Disputing the Debt, Dated this 23 day of XXXX, XXXX. By : XXXX XXXX Incorrect erroneous Accounts : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX ACCOUNT 4. XXXX XXXX closed accounts FRAUDULENT INQUIRIES : 1. XXXX XXXX XXXX - XXXX XXXX, XXXX 2. XXXX XXXX XXXX - XXXX. XXXX, XXXX 3. XXXX - XXXX. XXXX, XXXX 4. XXXX - XXXX. XXXX, XXXX 5. XXXX XXXX - XXXX XXXX, XXXX 6. XXXX XXXX - XXXX. XXXX, XXXX 7. XXXX XXXX - XXXX. XXXX
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11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, XXXX, and Equifax continue to inaccurately report my consumer account even after my repeated attempts to correct the situation. The account is listed inaccurately and has several discrepancies.
High Balance : {$200.00} {$15.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed XXXX Creditor Type : Sales Financing All Banks Last Payment : XX/XX/XXXX XX/XX/XXXX Credit Limit : {$170.00} {$0.00} This means this account has not been properly verified and the XXXX can not report the account as a charge off if any balance is over a dollar it is due to the consumer for the sell of my security. XXXX has violated the federal reserve act by not complying with the terms set out for national banks.
12 CFR 1026.11 - Treatment of credit balances ; account termination.
CFR State Regulations prev | next 1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.
CFR prev | next 1016.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 1016.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 1016.4 of this part, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships in the case of financial institutions other than credit unions and covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( d ), you is limited to financial institutions other than credit unions and financial institutions described in 1016.3 ( l ) ( 3 ) of this part.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint checking account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so : ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( e ) Joint relationships in the case of credit unions.
( 1 ) If two or more consumers jointly obtain a financial product or service, other than a loan, from a credit union, the credit union may provide only a single opt out notice. The opt out notice must explain how the credit union will treat an opt out direction by a joint consumer ( as explained in the examples in paragraph ( e ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. A credit union may either : ( i ) Treat an opt out direction by a joint consumer to apply to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If a credit union permits each joint consumer to opt out separately, the credit union must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) A credit union may not require all joint consumers to opt out before the credit union implements any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint share account with a credit union and arrange for the credit union to send statements to XXXX 's address, the credit union may do any of the following, but it must explain in its opt out notice which opt out policy it will follow : ( i ) Send a single opt out notice to XXXX 's address, but it must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If it does so, and XXXX opts out, it may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If it does so, and if XXXX and XXXX both opt out, it must permit one or both of them to notify it in a single response ( such as on a form or through a telephone call ).
( 6 ) Special rule for loans.
( i ) A credit union is required to provide an initial opt out notice to a borrower or guarantor on a loan if it shares his or her nonpublic personal information with nonaffiliated third parties other than for purposes under 1016.13, 1016.14, and 1016.15.
( ii ) A credit union may satisfy its annual opt out notice requirement by providing one notice to those borrowers and guarantors jointly.
( f ) Joint relationships in the case of covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( f ), you is limited to the financial institutions described in 1016.3 ( l ) ( 3 ).
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( f ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so : ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( j ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 1016.9 of this part.
( k ) Model privacy form. Pursuant to 1016.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in the appendix to this part.
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09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts and inaccurate information that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The XXXX XXXX XXXX XXXX, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( XXXX ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX day of XXXX, XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX XXXX schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER XXXX XXXX. Disputing the Debt, Dated this XXXX day of XXXX, XXXX. By : XXXX XXXX.
INACCURATE INVALID INFORMATION ACCOUNTS : 1. U.S. BANKRUPTCY COURT 2. REMOVE THE CLOSED THE ACCOUNTS, THIS IS INFORMATION THAT I NO LONGER HAVE AND IS STILL REPORTING AND I DON'T KNOW WHY. I WANT IT REMOVED IMMEDIATELY. 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 4. XXXX XX/XX/XXXX INCORRECT INFORMATION THAT DOESN'T BELONG TO ME. 5. XXXX XXXX ACCOUNT INFO.
INACCURATE INQUIRIES : XXXX 1. XXXX XXXX 2. XXXX XXXX EQUIFAX : 1. XXXX XXXX.
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04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
It has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within m
y credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX/DOFED ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
This complaint is to advise that Equifax has failed to honor our rights under the FCRA act which gives us the right to obtain a FULL, COMPLETE, PRINTED copy of our credit reports upon request! The option to dispute, delete, suppress and opt out of inaccurate consumer reporting.
On XX/XX/XXXX, my daughter and I submitted an online request at XXXX to receive copies of our credit reports! We were denied access because we failed to answer security questions correctly due to the information not belonging to us. Her report was asking questions about me and my report was asking questions about her. We were also being asked questions that we thought didn't apply to us because neither of us have accounts associated with some of the security questions asked. That same day, we called Equifax and spoke to someone over the phone and requested to receive copies of our credit reports to be mailed to us! The agent was not from the United States so there was a language barrier issue. The agent continued to ask us NONE specific questions like, do you have a car loan, student loan or mortgage that was obtained within the last 2 years and if so, what is the name of the provider, original loan amount and monthly payment due. Every time we gave him our student loan information he would ask if we had anything else. Any other loans. We continued to name each student loan listed on our XXXX XXXX accounts because we didn't have physical copies of the reports and needed them to see the accuracy of everything. We continued to fail verification even though we provided information exactly as presented on the XXXX XXXX app. The agent was confused about how to pronounce the words, when we asked him to spell things, he got mad and eventually hung up on us.
On XX/XX/XXXX we tried calling Equifax again requesting copies of our credit reports. We received another NONE United States agent. This time the questions made a little more since but the agent still was confused about the difference of HAD and HAVE. We asked him if he was saying H.A.D as in old and closed or H.A.V.E as in current and opened. He said either one would be fine. So we gave him our CURRENT account information and failed verification again! We requested a supervisor and he hung up on us instead!
On XX/XX/XXXX we called Equifax to request a copy of our credit reports and spoke to another NONE US Citizen. She was very polite at first and then got upset when we asked her speak a little slower so that we can understand what she was saying. She said that she had other calls that she needed to take and didn't have time to keep talking to us. We asked for her supervisor and she said that there wasn't an available supervisor but she could take our number and have one call us back. We told her that we didn't have a phone so we'd like to just continue waiting on hold. She hung up on us.
On XX/XX/XXXX, we called Equifax and spoke to an agent that was able to assist us properly. He was understanding of our concerns and promised that we'd receive our credit reports within the next 7-10 business days. We never received a copy of the reports.
On XX/XX/XXXX, my daughter and I called CFPB and submitted a complaint # XXXX against Equifax and it read as follows : " My complaint is that the credit report is adding us as aliases of one another so my information is on my daughter credit report and her information is on my credit report. We have send in documentation several time to proof that we are not the same individual, they have refuse to separate us. Even though we have different last name, different social security and different date of birth. They have refuse to send us both copies of our most resent credit report. We requested they put a freeze on both of our credit report and they haven't done so. They have fails to verify the accuracy of the information that they are adding to both of our credit report. This causing us both to be denied credit, apartments and other assistance the information that we giving them is not matching with the information that is been reported to our credit report. We have requested the they separate us and they haven't done so. '' The CFPB agent didn't include exactly what we advised her to say but, it was close enough! So we just waited for a response from Equifax. On XX/XX/XXXX, Equifax responded to the CFPB that they needed more time, they were still working on the complaint, that they would do an investigation and send us copies of our credit reports after the investigation was done. On XX/XX/XXXX, 35 days later, the company closed out the complaint stating that they needed more information from us. Therefore, refusing to send us copies of our credit reports and no information regarding the investigation. So basically, they just stalled out the process only to deny us access to our credit reports again!
On XX/XX/XXXX, we filed another complaint # XXXX with CFPB because Equifax kept reporting incorrect information. The complaint read as follows : " Company reported the incorrect balances in XXXX, XXXX & XX/XX/XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less. '' Equifax responded on XX/XX/XXXX stating that they'd completed the investigation and send us the results after the credit card companies respond to them. We have received no results, no credit reports, no information from the credit bureau at all. Another refusal to give us access to our reports!
On XX/XX/XXXX, I registered and paid for the 3-in-1 report and scores from XXXX because I was not successful with Equifax directly. I reviewed the report and called Equifax to request deletion of all incorrect personal information. I asked that ALL misspelled names, addresses, phone numbers, employers, fraud alert and inquiries are removed, deleted and suppressed effective immediately. I also requested to be permanently removed and opted out of all soliciting, marketing, promotional offers and information sharing or selling. I advised the agent that I did not want anyone to be able to access my credit report without my permission. We added a security freeze! I was not provided with a pin number nor was I able to create my own. I also requested to receive a NEW, FULL, COMPLETED, PRINTED copy of my report AND a separate copy of the investigation. As of today, XX/XX/XXXX, I have received nothing. No credit report or investigation results.
On XX/XX/XXXX, I printed, mailed and faxed a dispute letter to Equifax regarding incorrect information being reported on my credit report. As of today, XX/XX/XXXX, I have not received a response, no investigation results, no new credit report. ( Letter Attached ) On XX/XX/XXXX, my daughter and I called Equifax again! Requested the same information above less the security freeze! We requested a FULL, COMPLETE, PRINTED copy of our credit reports and to be opted out of soliciting, information sharing, marketing and for our files to be suppressed. This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company completely remove all incorrect information listed in the attached letters effective immediately! We are requesting that the company sends each of us SEPARATE copies of our credit reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again. We are requesting that they refund us for the extra time and money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further. This company stated that they have no control over what other company 's submit to them or have no control over what my score is or what my report reflects. This company continues to report the wrong name, spelling of my name, wrong last name, wrong addresses, wrong phone numbers and wrong credit information. This company has failed to send us a physical paper copy of our credit reports. I have called them consistently requesting a paper copy of my report. WE WANT A PHYSICAL COPY OF THE REPORT! WE DO NOT HAVE A PERSONAL COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL REPORT! They have also failed to remove any incorrect information for me including personal information, credit inquires and credit accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR CREDIT REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY! '' They ask for our names, addresses, social security numbers and if we want to add a phone number to the profile. Each time, we tell them that we DO NOT WANT TO ADD A PHONE NUMBER TO THE PROFILE! We need a FULL, COMPLETE, PRINTED COPY TO BE MAILED US so that we can see what's actually in the report BEFORE we dispute it! OUR FULL NAME, SOCIAL SECURITY NUMBER, PHONE NUMBER, CREDIT ACCOUNT INFORMATION, ADDRESSES and EMPLOYERS need to ne CORRECTED IMMEDIATELY! WE NEED TO BE SEPARATED EFFECTIVE IMMEDIATELY!
Equifax wants us to verify INCORRECT, INVALID INFORMATION THAT THEY HAVE LISTED IN THE CREDIT REPORTS! IT IS WRONG! IT IS NOT US! FIX IT!
We don't get to choose what is or isn't reported. This explains why I was a victim of identity theft! They volunteer personal, sensitive, private information to individuals. They sell, market and share your information with anyone! I am requesting that the CFPB assists me with filing a lawsuit against this company effective immediately because my information has been listed on the dark web, emails and phone numbers have been comprised and cloned. I have been a victim of identity theft and could not figure out until now how individuals were able to obtain my information so easily. I have had to pay credit monitoring services, been denied credit, credit scores are at an all time low and I am consistently fighting with the credit bureaus regarding accounts, inquiries and information that doesn't belong me. This letter is to inform, request and advise Equifax that the personal information and accounts being reported by your company on our credit reports are inaccurate, incorrect and do not belong to either my daughter or myself and that I am officially notifying you that I am disputing the information and demanding that it is all deleted, removed and suppressed effective immediately! I recently disputed these accounts and personal information with the credit reporting bureaus that you are currently reporting to and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software such as e-Oscar and that mistakes can and often are made during that process, it is a known fact that the software can have limitations when it comes to completing a proper investigation of records. We are disputing the information directly with you, the furnisher of information and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation and are unable to locate the necessary documents to investigate my disputes, then you are required by the FCRA to remove the negative information from our credit reports which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for these accounts and have identified the information that was being incorrectly reported, you were supposed to furnish me with the proof immediately. But since you failed to supply us or furnish the reports immediately upon our requests and delayed sending us the information, you didn't abide by the FCRA law! We are also requesting that you send us an explanation of the methods used and a description of the records reviewed when you conducted your investigation ; including sending copies of that information to us so that we can conduct our own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail. This letter is an attempt to correct the false or misleading information you are reporting on our consumer credit reports and to correct your records NOW! ALL INCORRECT INFORMATION REMOVED! ALL INCORRECT INFORMATION SUPPRESSED! WE NEED TO BE OPTED OUT OF YOUR MARKETING TACTICS! DO NOT SHARE, SOLICIT OR SELL OUR INFORMATION TO ANYONE ELSE! DO NOT REPORT INFORMATION TO ANY OTHER COMPANIES OR INDIVIDUALS EFFECTIVE IMMEDIATELY!
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06/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/XXXX Hello, Thank you again for your complaint XXXX about EQUIFAX, INC.. We expect companies to respond to every complaint within a reasonable amount of time. We forwarded your complaint to the company, unfortunately, they have not responded in full to your complaint and are now late in getting back to you. This is unacceptable, and we regret that youve had to wait this long for a response.EQUIFAX HAS NOT RESPONDED TO THE COPLAINT SO THEY OWE ME DAMAGES, AS THE COMPLAINT STATED FACTS OF XXXX!!! WOW, WHAT A RESPONSE, REALLY??? I BEEN A VICTIM OF FRAUD?? NO XXXX XXXX, IM THE VICTIM AND EQUIFAX IS THE CRIMINAL!! SO ILL COMPLAIN AGAIN AND AGAIN AND AGAIN AND AGAIN TILL THEY GET THE XXXX OUT OF MY LIFE!!! THEIR RESPONSE IS INVALID AND DOESNT SHOW CLARITY OF THE PROBLEM AT HAND!!! this is NO response, so wheres my XXXX $ $ over 20 complaints and this is all i get for a response? YOU GOT TA BE KIDDIN ME!!! 20 complaints times XXXX =XXXX XXXX $ $ $ plus punative plus attorney fees, now CRIMINAL EQUIFAX CAN EXPLAIN TO ME WHY THEY ARE USING MY PRIVATE AND PERSONAL INFORMATION WITHOUT MY CONSENT AND PUTTING ME AT RISK OF INFORMATION BREACH? GIVE ME A VALID RESPONSE WITH CLARITY YOU XXXX XXXX!!! 05/01/2017 Hello, Thank you for your complaint XXXX about EQUIFAX, INC.. We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. respond rspnd/ verb 1. say something in reply. This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE OF ORDER TO CEASE AND DESIST FROM USING PERSONAL AND PRIVATE INFORMATION FL STATUTE VIOLATION 817.568 Title XLVI CRIMES Chapter 817 FRAUDULENT PRACTICES View Entire Chapter 817.568Criminal use of personal identification information. ( 1 ) As used in this section, the term : ( a ) Access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument. ( b ) Authorization means empowerment, permission, or competence to act. ( c ) Harass means to engage in conduct directed at a specific person that is intended to cause substantial emotional distress to such person and serves no legitimate purpose. Harass does not mean to use personal identification information for accepted commercial purposes. The term does not include constitutionally protected conduct such as organized protests or the use of personal identification information for accepted commercial purposes. ( d ) Individual means a single human being and does not mean a firm, association of individuals, corporation, partnership, joint venture, sole proprietorship, or any other entity. ( e ) Person means a person as defined in s. 1.01 ( 3 ). ( f ) Personal identification information means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social security number, date of birth, mothers maiden name, official state-issued or United States-issued driver license or identification number, alien registration number, government passport number, employer or taxpayer identification number, Medicaid or food assistance account number, bank account number, credit or debit card number, or personal identification number or code assigned to the holder of a debit card by the issuer to permit authorized electronic use of such card ; 2.Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; 3.Unique electronic identification number, address, or routing code ; 4.Medical records ; 5.Telecommunication identifying information or access device ; or 6.Other number or information that can be used to access a persons financial resources. ( g ) Counterfeit or fictitious personal identification information means any counterfeit, fictitious, or fabricated information in the similitude of the data outlined in paragraph ( f ) that, although not truthful or accurate, would in context lead a reasonably prudent person to credit its truthfulness and accuracy. ( 2 ) ( a ) Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning an individual without first obtaining that individuals consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084. ( b ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual without first obtaining that individuals consent commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$5000.00} or more or if the person fraudulently uses the personal identification information of 10 or more individuals, but fewer than 20 individuals, without their consent. Notwithstanding any other provision oflaw, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 3 years imprisonment. ( c ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual without first obtaining that individuals consent commits a felony of the first degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$50000.00} or more or if the person fraudulently uses the personal identification information of 20 or more individuals, but fewer than 30 individuals, without their consent. Notwithstanding any other provision of law, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 5 years imprisonment. If the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$100000.00} or more, or if the person fraudulently uses the personal identification information of 30 or more individuals without their consent, notwithstanding any other provision of law, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 10 years imprisonment. ( 3 ) Neither paragraph ( 2 ) ( b ) nor paragraph ( 2 ) ( c ) prevents a court from imposing a greater sentence of incarceration as authorized by law. If the minimum mandatory terms of imprisonment imposed under paragraph ( 2 ) ( b ) or paragraph ( 2 ) ( c ) exceed the maximum sentences authorized under s. 775.082, s. 775.084, or the Criminal Punishment Code under chapter 921, the mandatory minimum sentence must be imposed. If the mandatory minimum terms of imprisonment under paragraph ( 2 ) ( b ) or paragraph ( 2 ) ( c ) are less than the sentence that could be imposed under s. 775.082, s. 775.084, or the Criminal Punishment Code under chapter 921, the sentence imposed by the court must include the mandatory minimum term of imprisonment as required by paragraph ( 2 ) ( b ) or paragraph ( 2 ) ( c ). ( 4 ) Any person who willfully and without authorization possesses, uses, or attempts to use personal identification information concerning an individual without first obtaining that individuals consent, and who does so for the purpose of harassing that individual, commits the offense of harassment by use of personal identification information, which is a misdemeanor of the first degree, punishable as provided in s. 775.082 or s. 775.083. ( 5 ) If an offense prohibited under this section was facilitated or furthered by the use of a public record, as defined in s. 119.011, the offense is reclassified to the next higher degree as follows : ( a ) A misdemeanor of the first degree is reclassified as a felony of the third degree. ( b ) A felony of the third degree is reclassified as a felony of the second degree. ( c ) A felony of the second degree is reclassified as a felony of the first degree. For purposes of sentencing under chapter 921 and incentive gain-time eligibility under chapter 944, a felony offense that is reclassified under this subsection is ranked one level above the ranking under s.921.0022 of the felony offense committed, and a misdemeanor offense that is reclassified under this subsection is ranked in level 2 of the offense severity ranking chart in s. 921.0022. ( 6 ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual who is younger than 18 years of age or 60 years of age or older without first obtaining the consent of that individual or of his or her legal guardian commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084. ( 7 ) Any person who is in the relationship of parent or legal guardian, or who otherwise exercises custodial authority over an individual who is younger than 18 years of age or 60 years of age or older, who willfully and fraudulently uses personal identification information of that individual commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s.775.084. ( 8 ) ( a ) Any person who willfully and fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning a XXXX individual commits the offense of fraudulent use or possession with intent to use personal identification information of a XXXX individual, a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s.775.084. ( b ) Any person who willfully and fraudulently uses personal identification information concerning a XXXX individual commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of injury or fraud perpetrated is {$5000.00} or more, or if the person fraudulently uses the personal identification information of 10 or more but fewer than 20 XXXX individuals. Notwithstanding any other provision of law, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 3 years imprisonment. ( c ) Any person who willfully and fraudulently uses personal identification information concerning a XXXX individual commits the offense of aggravated fraudulent use of the personal identification information of multiple XXXX individuals, a felony of the first degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of injury or fraud perpetrated is {$50000.00} or more, or if the person fraudulently uses the personal identification information of 20 or more but fewer than 30 XXXX individuals. Notwithstanding any other provision of law, the court shall sentence any person convicted of the offense described in this paragraph to a minimum mandatory sentence of 5 years imprisonment. If the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$100000.00} or more, or if the person fraudulently uses the personal identification information of 30 or more XXXX individuals, notwithstanding any other provision of law, the court shall sentence any person convicted of an offense described in this paragraph to a mandatory minimum sentence of 10 years imprisonment. ( 9 ) Any person who willfully and fraudulently creates or uses, or possesses with intent to fraudulently use, counterfeit or fictitious personal identification information concerning a fictitious individual, or concerning a real individual without first obtaining that real individuals consent, with intent to use such counterfeit or fictitious personal identification information for the purpose of committing or facilitating the commission of a fraud on another person, commits the offense of fraudulent creation or use, or possession with intent to fraudulently use, counterfeit or fictitious personal identification information, a felony of the third degree, punishable as provided in s.775.082, s. 775.083, or s. 775.084. ( 10 ) Any person who commits an offense described in this section and for the purpose of obtaining or using personal identification information misrepresents himself or herself to be a law enforcement officer ; an employee or representative of a bank, credit card company, credit counseling company, or credit reporting agency ; or any person who wrongfully represents that he or she is seeking to assist the victim with a problem with the victims credit history shall have the offense reclassified as follows : ( a ) In the case of a misdemeanor, the offense is reclassified as a felony of the third degree. ( b ) In the case of a felony of the third degree, the offense is reclassified as a felony of the second degree. ( c ) In the case of a felony of the second degree, the offense is reclassified as a felony of the first degree. ( d ) In the case of a felony of the first degree or a felony of the first degree punishable by a term of imprisonment not exceeding life, the offense is reclassified as a life felony. For purposes of sentencing under chapter 921, a felony offense that is reclassified under this subsection is ranked one level above the ranking under s. 921.0022 or s. 921.0023 of the felony offense committed, and a misdemeanor offense that is reclassified under this subsection is ranked in level 2 of the offense severity ranking chart. ( 11 ) A person who willfully and without authorization fraudulently uses personal identification information concerning an individual who is 60 years of age or older ; a disabled adult as defined in s.825.101 ; a public servant as defined in s. 838.014 ; a veteran as defined in s. 1.01 ; a first responder as defined in s. 125.01045 ; an individual who is employed by the State of Florida ; or an individual who is employed by the Federal Government without first obtaining the consent of that individual commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083
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04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX XXXX Ive reached out to XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) XXXX XXXX XXXX Case Number XXXX Court Docket Number XXXX ) XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C- 2 theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt Experian/Transunion/Equifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. XXXX. XXXX Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX '' XXXX '' EQUIFAX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) -of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with XXXX about the accounts.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that my ( SSN ) belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXXEQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXEQUIFAXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFailure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX/EQUIFAX/XXXX XXXX XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXXEQUIFAXXXXXXXXX XXXX/EQUIFAX/Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and equifax have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
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09/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, XXXX Circuit, No. 00-15946, Nelson vs. Chase Manhattan for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( DF793 ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX XXXX ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX XXXX ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX XXXX ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX XXXX ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX day of XXXX, XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim Mertha 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER XXXX XXXX. Disputing the Debt, Dated this XXXX day of XXXX, XXXX. By : XXXX XXXX XXXX. Erroneous Account : XXXX/DEPT Of Ed {$6600.00}, # {$6300.00}, # {$4500.00}, # {$3500.00}.
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12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX {$420.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated,. My personal information was sold to a non affiliate per 16 CFR 313.1 -313.7 XXXX XXXX {$960.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated, My personal information was sold to a non affiliate per 16 CFR 313.1 -313.7 XXXX XXXX {$17000.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated 16 CFR 433.1-433.3, This account is suppose to be updated as paid as agreed with no transactional history being reported 15 U.S. Code 1666b.
XXXX XXXX XXXX XXXX {$500.00} 916.00 Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out, 16 CFR 313.1-313.7 my rights are being violated, This account with credit one is suppose to be updated as paid as agreed with no transactional history being reported. 15 U.S. Code 1666b.
XXXX XXXX XXXX XXXX Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out, 16 CFR 313.1-313.7 my rights are being violated, This account with credit one is suppose to be updated as paid as agreed with no transactional history being reported. 15 U.S. Code 1666b XXXX XXXX - {$0.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated, This account is updated as paid as agreed but should also show no transactional history being reported. 15 U.S. Code 1666b XXXX XXXX XXXX- {$930.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated, This is suppose to be updated as paid as agreed with no transactional history being reported 15 U.S. Code 1666b. they have the account closes and then activity of a late payment after which can not be done.
XXXX XXXX {$890.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated, This account with is suppose to be updated as paid as agreed with no transactional history being reported. 15 U.S. Code 1666b XXXX XXXXXXXX XXXX XXXX- Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated This account is suppose to be updated as paid as agreed with no transactional history being reported. 15 U.S. Code 1666b AS well as the rest of the laws listed here go in to how my rights were violated and take advantage of in suchMoreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT AGENCY are required to remove any items not later than 4 business days after the receipt.
15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
In accordance with the Fair Credit Reporting act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days.
15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make paymentsA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,- they can not report late payments on ypur credit card on for any purpose 31 CFR 29.518 - Reporting delinquent debts to credit bureaus.
e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 5 U.S. Code 552a - Records maintained on individuals ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or n ) Mailing Lists.
An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law.
Civil Remedies.Whenever any agency- makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual 16 CFR 313.3 ( 1 ) Nonaffiliated third party means any person except : ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ).
( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type 16 cfr 313.3 states ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15.
1 ) You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 15 U.S. Code 1601- Congressional findings and declaration of purpose It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
16 CFR 433.1 d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
6 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XXXX XXXX XXXX from requirements of 433.2 ( a ).
433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XXXX XXXX XXXX from requirements of 433.2 ( a ).
( a ) Any seller who has taken or received an open end consumer credit contractbefore XXXX XXXX XXXX,
shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses.
( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1.
( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended.
( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.
15 U.S. Code 1692e - False or misleading representations 15 USC 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
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09/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, XXXX Circuit, No. 00-15946, Nelson vs. Chase Manhattan for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX XXXX ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX XXXX ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX XXXX ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX XXXX ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, XXXX. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX day of XXXX, XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim Mertha 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER XXXX XXXX. Disputing the Debt, Dated this XXXX day of XXXX, XXXX. By : XXXX XXXX XXXX. Erroneous Account : XXXX/DEPT Of Ed {$6600.00}, # {$6300.00}, # {$4500.00}, # {$3500.00}.
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04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
equifax, XXXX XXXX XXXX you have been given more then enough information proving the breached of contract between XXXX XXXX XXXX and my husband and I. We will be sueing each of you in small claims court for the max in Michigan XXXX for the extensive damage you have caused our family as my husband is being denied use of his credit because of the banks fraud!
this is the legal documents being submitted in the court. this has become ridiculous and your threes complete ignorance on laws and basically not giving a XXXX that the banks has not only stollen from us but are reporting on stollen money? you can explain your selves to the judge when im done with the bank.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To date XXXX and XXXX XXXX have made and exorbitant number of attempts to come to a reasonable resolution to the breach contract with XXXX XXXX XXXX, the denial of use of the XXXX XXXX XXXX vehicle service contract. The continued denial of use of the vehicle service contract purchased on XXXX XXXX in the amount of XXXX, carrying a XXXX percent interest rate has caused significant Economic, monetary, and psychological including the denial of social pleasure and enjoyment.
The XXXX XXXX XXXX XXXX in questions was financed through XXXX XXXX XXXX in the amount of XXXX, after a {$5000.00} cash payment was given to the auto dealer. Both the vehicle and service contract were financed through XXXX XXXX XXXX. From the beginning ot the loan agreement arise began to arise. XXXX contacted the bank regarding the charges added to the loan for the service Contract. XXXX XXXX had guaranteed the cost of the Vehicle Service Contract was included in the {$11000.00} price tag of the XXXX XXXX XXXX XXXX. They was no assistance or investigations made, even after we explained that the dealership signed most of our loan documents per the XXXX foot covid rules and most of the transaction took place in the car itself not the building. After being denied an adjustment on the loan account, they then attempted to use the service contract and it was nearly impossible to find a mechanic who would honor the warranty as they were know not to pay.
The vehicle was diagnosed with XXXX XXXX XXXX XXXX in XX/XX/XXXX and has not been driven since. From the month of XX/XX/XXXX to XX/XX/XXXX XXXX and XXXX have made payments to XXXX XXXX XXXX in the amount of XXXX, even though they have been denied the use of the vehicle and vehicle service contract. These payments include XXXX time processing fees in the amount of $ XXXX {$9.00} per transaction.
XXXX owns a XXXX XXXX XXXX XXXX called XXXX in the XXXX XXXX. She Makes XXXX XXXX XXXX XXXX XXXX XXXX from her home and sells them locally. The continued denial of use of her XXXX XXXX XXXX XXXX has forced her to pay excessively higher grocery fees, delivery fees, tips, and inflated prices on nearly all orders she takes. She can not drive her vehicle to the store to purchase items for herself, family, or business. Most items must be ordered and delivered on demand per custom orders or the simple need for milk or diapers for their XXXX XXXX. The loss of revenue for her business has been exorbitant as well as the money taken from the children in order to pay someone else to deliver daily necessities. From XX/XX/XXXX to date XXXX has spent XXXX on delivery services for food, diapers, formula, and other daily necessities as her vehicle remains disassembled at XXXX XXXX XXXX waiting a payment in the amount of XXXX the current balance, as well as XXXX which was only an estimate given and giving the rise in the cost of living it is likely the estimate and rates have changed in XXXX years.
The Following information will outline in detail the repeated attempts the XXXX have made to rectify the situation, as well as additional damages that have incurred and other supporting information pertinent to the complaint.
There have been multiple wrongful and unjust claim denials for covered vehicle service contract repairs made by both XXXX XXXX XXXX and XXXX XXXX XXXX in regard to XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX Truck. which include misrepresentations, lack of industry knowledge, and simply coming up with any excuse to deny the claim even if breaking the law ( Exhibit XXXX ). XXXX XXXX XXXX and XXXX XXXX XXXX have worked together to intentionally and wrongfully deny both XXXX and XXXX XXXX claims. Which in turn has resulted in both a denial of use of their vehicle, as well as the agreed upon service contract, damage to both XXXX and XXXX XXXX XXXX, denial of new loans, and continued financial hardships.
In XXXX of XXXX the XXXX XXXX XXXX XXXX showed signs of electrical failure and it was quickly taken to an auto repair shop for diagnostics. The truck was there for about XXXX week, as most shops are extremely busy, and it was Diagnosed with XXXX XXXX XXXX XXXX and they needed to be replaced. XXXX XXXX of XXXX XXXX, Michigan, where this original diagnostic was performed was unable to that extensive repair work and XXXX and XXXX XXXX and to seek another XXXX shop to repair the engine. This was the first attempt to deny the claim. It was nearly impossible for the plaintiffs to find a repair shop to both honor the claim and have the capability to do the needed repair work. Which has been noted by other consumers ( Exhibit XXXX XXXX ). XXXX and XXXX XXXX both contacted XXXX XXXX care in hope at finding a repair shop and they stated to call the Car dealership for a list. After calling the car dealership for assistance, the car dealership then told the XXXX they could not help them to call the Bank for assistance. After calling the Bank, XXXX XXXX XXXX stated to call the warranty company for a list or assistance and the vicious circle began. It took nearly 6 months for the plaintiff to find a repair shop capable of doing the engine repair work and that would take the XXXX XXXX care XXXX, though these were hesitant.
XX/XX/XXXX the XXXX XXXX was towed to XXXX XXXX XXXX for another diagnostics as they sated they were capable to do the repair work initially diagnosed.
From the month of XXXX through XX/XX/XXXX XXXX, XXXX, and XXXX XXXX XXXX all waited for XXXX XXXX XXXX to show up to ensure the engine in fact needed XXXX XXXX XXXX XXXX the work could be completed. This turned into the second attempt to deny the repair work. They tried to let the warranty run out. XXXX XXXX XXXX simply did not show up to inspect the vehicle after repeated phone calls. XXXX XXXX XXXX stated the timeframe had passed to use the warranty and unfortunately the claim would be denied. The owner of XXXX XXXX himself contacted the warranty company again and stated the truck had been in his shop for 2 months waiting for there service provider to arrive to inspect it.
After getting no resolution through complaints made directly to XXXX XXXX XXXX and XXXX XXXX XXXX both XXXX and XXXX XXXX both started filing complaints with government agencies and regulatory departments including The Consumer Financial Protection Bureau, Department of Insurance and Financial Services, the Federal Trade Commission, and XXXX XXXX XXXX. ( Exhibits XXXX XXXX XXXX XXXX ) The responses help no reasonable resolution to the claim denials and most letters included false statements and misrepresentations of the claim at hand.
In the month of XXXX of XX/XX/XXXX an appointment was finally scheduled, and XXXX XXXX XXXX inspected the trucks engine and the claim was approved. later that very same day, XXXX XXXX XXXX called XXXX XXXX XXXX and changed the approved claim to Denied. After the truck was dismantled and work had began. XXXX XXXX XXXX claim department stated the reason for claim denial is because there were modifications made to the vehicle, specifically a XXXX XXXX XXXX XXXX and they would in fact not cover the claim. There is not a XXXX XXXX XXXX XXXX nor was there ever a XXXX XXXX XXXX XXXX installed on this truck. ( Exhibit XXXX XXXX XXXX ) XXXX XXXX XXXX continued to misrepresent the part only until the part manufacturers themselves wrote a letter to the attorney generals office to help clarify the situation ( exhibit XXXX, XXXX ). A cold air intake system in fact was never installed on this Vehicle. ( Exhibit XXXX XXXX XXXX ) On XX/XX/XXXX XXXX and XXXX XXXX sent XXXX XXXX XXXX and XXXX XXXX XXXX a detailed demand letter in hopes to find a reasonable resolution to the claims denial outside of the united states legal system. There was no response to the complaint.
On XX/XX/XXXX XXXX and XXXX XXXX again sent a demand letter to both XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX in hopes to come to a reasonable resolution to the continued denial of the vehicle and service contract purchased through XXXX XXXX XXXX. There was no response to the complaint.
On XXXX, XXXX XXXX XXXX XXXX legal department responded to requests for assistance with our service contract and stated that we put XXXX miles on the vehicle, and it had been nearly a year so they could be no assistance. ( Exhibit XXXX ) This was the next attempt to deny the claim. Where not only XXXX XXXX XXXX, but XXXX XXXX XXXX also stated the truck had nearly XXXX miles on it and nearly a year had passed. ( Exhibit XXXX XXXX ) The service contract purchased provided coverage for XXXX miles or up to XXXX year which ever came first. ( Exhibit XXXX ) On XX/XX/XXXX XXXX XXXX XXXX wrote a letter stating they could not assist with our claim as the care dealership that sold the vehicle denies making modification to the vehicle. XXXX XXXX XXXX will testify no modifications were made to the truck giving absolutely no reason for the continued claim denial.
On XX/XX/XXXX XXXX XXXX again responded to requested information from the XXXX with a letter including false statements and misrepresentations stating the claim was properly denied and they did a proper investigation. Even after they were given ample documents and information from XXXX, XXXX, and XXXX XXXX XXXX pertaining the claim denial and the part at hand not being a cold air intake system. ( Exhibit XXXX ) On XX/XX/XXXX XXXX XXXX XXXX wrote a letter to the XXXX, while addressing the plaintiffs that They were unable to investigate your concerns regarding your statements, You voluntarily entered into a valid contract ( exhibit XXXX ) even though they eventually refunded said service contract a refund that was not asked for as a full refund for both the truck and service contract were requested from XXXX XXXX XXXX.
XX/XX/XXXX, XXXX XXXX would not address XXXX and XXXX XXXX concerns pertaining to the credit reporting of a service contract they were denied the use of as well as the vehicle that was to be covered. XXXX XXXX did, however, fully addressed their concerns and how the contract states the plaintiffs must put full covered on a vehicle to protect it from loss when it is inoperable and in storage at Mad diesel XXXX. XXXX in the XXXX department stated in letter to the CFPB that XXXX XXXX again were denying a refund and they could be no assistance. ( Exhibit XXXX ) In addition, the XXXX again have been denied a loan payoff or access to the loan balance and these issues have not been addressed to date. Exhibit XXXX ) On XX/XX/XXXX XXXX XXXX XXXX simply disregarded all complaints and statements made and submitted there responses to the XXXX and CFPB. ( Exhibit XXXX ) XX/XX/XXXX, XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX XXXX wrote a letter to the Michigan Attorney Generals office not only naming the plaintiff incorrectly, they again misrepresented an air filter as a XXXX XXXX XXXX XXXX ( exhibits XXXX, XXXX ) they also disregarded all consumers laws the XXXX XXXX XXXX XXXX had addressed in previous letters ( exhibit XXXX ).
XX/XX/XXXX XXXX XXXX again was facing fines from the XXXX and they made a courtesy refund to the loan account held by XXXX XXXX ( XXXX ) and XXXX XXXX in the amount of {$2900.00}. This courtesy refund included a courtesy refund of the XXXX XXXX XXXX in the amount of {$2400.00}, as well as {$480.00} towards denied repair costs. The letter states they refunded the denied repair costs. ( Exhibit XXXX ) Before the account was credited as a courtesy XXXX XXXX responded to the XXXX and stated that was not reasonable rectification the breach of contract, as the truck would not have been purchased without the agreed upon warranty. Plaintiffs have again been denied a loan payoff or access to the loan balance and these issues have not been addressed to date.
XX/XX/XXXX XXXX XXXX XXXX wrote a letter to the attorney generals office again, misrepresenting a part installed on the XXXX truck and used it as the reason the claim had continued to be denied. XXXX XXXX XXXX specifically stated a standard air filter replacement was a cold air intake modification. ( exhibit XXXX, XXXX ) This puts into question if the staff sent to inspect these vehicles and in charge of claims are in fact properly certified to provide these inspections. The Michigan State Attorney Generals office forwarded all correspondence to XXXX and XXXX XXXX VIA USPS and email as XXXX XXXX XXXX and XXXX XXXX XXXX has refused to supply them with any direct information other then the claim was denied for modifications over the telephone.
After XXXX XXXX XXXX XXXX department and XXXX XXXX XXXX XXXX wrote several letter to the attorney generals office, XXXX then stated the part was in fact not a XXXX XXXX XXXX as they had claimed and misrepresented for over 18 months, they now had a new reason to deny the claim. XXXX XXXX XXXX and XXXX XXXX XXXX both stated that a standard Air filter replacement is a part modification. ( Exhibit XXXX, XXXX ) This is the next claim denial used calling a standard air filter replacement a modification a modification, not to mention consumer protection laws require XXXX XXXX XXXX to provide proof that a part installed on the vehicle was the sole reason the vehicle requires repair work and that was not done. In fact, XXXX XXXX XXXX has supplied ample proof as well as listed consumers laws broken by both XXXX XXXX and XXXX XXXX XXXX and there is no justifiable reason for denying the claim.
Dozens of complaints have been filed with government agencies and all recommendations were to seek legal action as XXXX XXXX XXXX has breached the contract with XXXX XXXX and XXXX XXXX denying them the use of their vehicle and service contract while XXXX XXXX XXXX continues to wrongfully and unjustly deny the numerous claims, complaints and attempts at coming to a reasonable resolution.
The last and Final attempt to deny claim, as of today is that the truck over heated and its unlikely the claim would be covered. Letters were submitted by XXXX XXXX XXXX to the Department of insurance and Financial Services, the XXXX then forwarded the letters the XXXX and XXXX as the bank to date will not supply any documents they have requested. ( Exhibit XXXX )
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07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX XXXX IVE reached out to XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXXEQUIFAX IXXXX XXXX XXXX XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( XXXX XXXX XXXXEQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXXEQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX, you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the ( US Justice Department ) about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXXEQUIFAX IXXXX XXXX XXXX XXXX XXXX in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of XXXX. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXXEQUIFAX IXXXX XXXX XXXX XXXX XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ACCOUNT NAMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANKRUPTCY ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( AMOUNTS ) XXXX XXXX XXXX XXXX DATES- XX/XX/XXXX XXXX XXXX (. INQUIRIES ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Ive sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity ( ACCOUNT NAMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( AMOUNTS ) XXXX XXXX XXXX XXXX DATES- XX/XX/XXXX XXXX XXXX (. INQUIRIES ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX ( Fraudulent I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX/EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( ACCOUNT NAMES ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( AMOUNTS ) XXXX XXXX XXXX XXXX DATES- XX/XX/XXXX XXXX XXXX (. INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXXEQUIFAX XXXXXXXX XXXXXXXX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX IXXXX XXXX XXXX XXXX XXXX the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumerreporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXEQUIFAX XXXX XXXX XXXX XXXX SAGESTREAMfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C XXXX. XXXX/EQUIFAX IXXXX XXXX XXXX XXXXXXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX/EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 XXXX XXXX XXXX GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( XXXX XXXX and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. XXXX ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & LastName 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. XXXX demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. ACCOUNT NAMES ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. ( AMOUNTS ) XXXX XXXX XXXX XXXX DATES- XX/XX/XXXX XXXX XXXX (. INQUIRIES ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX/EQUIFAX XXXX XXXX XXXX XXXX XXXX
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09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
Servicemember |
These accounts are invalid, inaccurate, not timely, illegal and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely stating those non-compliant unverifiable accounts on my report.
I have not received any confirmation on how the credit bureaus have verified the alleged accounts and therefore request that you consider this. I am trying to rectify the subterfuge that the credit bureaus are reporting.
I have not received confirmation nor certified testimony that the credit bureaus complied with FCRA and all its mandated rules when it comes to reporting accurately. I asked the credit bureaus to present to me a certificate in testimony that the alleged accounts are in fact compliant and not subterfuge.
I have reached out to the credit bureaus by certified mail. These are the accounts that I am referring to : XXXX XXXX Alleged account # : XXXX XXXX Alleged account # : XXXX XXXX Bank XXXX account # : XXXX XXXX Bank Alleged account # : XXXX XXXX XXXX Alleged account # : XXXX Attached are the letters that were sent certified to each bureau.
Below are the Congressional laws that the credit bureaus are violated : 1640. Civil liability ( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under SECTION 1635 OF THIS TITLE, subsection ( f ) or ( g ) of SECTION 1641 OF THIS TITLE, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; ( 2 ) ( A ) ( i ) in the case of an individual action twice the amount of any finance charge in connection with the transaction, ( ii ) in the case of an individual action relating to a consumer lease under part E of this subchapter, 25 per centum of the total amount of monthly payments under the lease, except that the liability under this subparagraph shall not be less than {$200.00} nor greater than {$2000.00}, ( iii ) in the case of an individual action relating to an open end consumer credit plan that is not secured by real property or a dwelling, twice the amount of any finance charge in connection with the transaction, with a minimum of {$500.00} and a maximum of {$5000.00}, or such higher amount as may be appropriate in the case of an established pattern or practice of such failures ; 1 1So in original. The semicolon probably should be a comma.
or ( iv ) in the case of an individual action relating to a credit transaction not under an open end credit plan that is secured by real property or a dwelling, not less than {$400.00} or greater than {$4000.00} ; or ( B ) in the case of a class action, such amount as the court may allow, except that as to each member of the class no minimum recovery shall be applicable, and the total recovery under this subparagraph in any class action or series of class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; ( 3 ) in the case of any successful action to enforce the foregoing liability or in any action in which a person is determined to have a right of rescission under section 1635 or 1638 ( e ) ( 7 ) of this title, the costs of the action, together with a reasonable attorneys fee as determined by the court ; and ( 4 ) in the case of a failure to comply with any requirement under SECTION 1639 OF THIS TITLE, paragraph ( 1 ) or ( 2 ) of SECTION 1639B ( C ) OF THIS TITLE, or SECTION 1639C ( A ) OF THIS TITLE, an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material.
In determining the amount of award in any class action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. In connection with the disclosures referred to in subsections ( a ) and ( b ) of SECTION 1637 OF THIS TITLE, a creditor shall have a liability determined under paragraph ( 2 ) only for failing to comply with the requirements of SECTION 1635 OF THIS TITLE, 1637 ( a ) 2 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) CONSUMER REPORT. ( XXXX ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include 1681a TITLE 15COMMERCE AND TRADE Page 1350 1So in original. The period probably should be ; and. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) of this section. ( 3 ) RESTRICTION ON SHARING OF MEDICAL INFORMATION.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) MEDICAL INFORMATION.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual.1 ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) DEFINITIONS RELATING TO CHILD SUPPORT OBLIGATIONS. ( 1 ) OVERDUE SUPPORT.The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) STATE OR LOCAL CHILD SUPPORT ENFORCEMENT AGENCY.The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) ADVERSE ACTION. ( 1 ) ACTIONS INCLUDED.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other ad- Page 1351 TITLE 15COMMERCE AND TRADE 1681a verse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.
15 U.S. Code 1681c2 - Block of information resulting from identity theft
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04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Leasing Agent seems to be aiding Identity Theft + Violating Fair Debt Collection Practice.
My Leasing Terms clearly state it is the tenants responsibility to register the Utilities in their name upon taking residency.
Less than XXXX I was contacted by a company called " XXXX XXXX XXXX '' and they were stating that they were the " Utility Concierge Service '' For XXXX XXXX XXXX. They asked for a picture of my drivers license and told me they would have utilities set up for me. Being in the haze of moving, young and inexperienced, I foolishly obliged. I was sent the following emails.
XXXX XXXXXXXX for utilities and services Wed, XX/XX/XXXX XXXXXXXX XXXX XXXX ( via XXXX ) ( XXXX ) To : you Details Thank you for using XXXX XXXX XXXX.
We have included a list of all the services we connected for you.
If a service needed to be completed specifically by you, instructions should be listed below or have been texted to you.
Finally, please check your email for confirmations from the providers we set up, as they sometimes request additional information.
If anything is missing, please don't hesitate to call us back.
If you need to make any changes to your order or have any questions, please feel free to contact us at XXXX or send an email to XXXX.
XXXX XXXX XXXX order application submitted.
Thank you for your Order!
Your order number is XXXX Thanks for choosing XXXX XXXX XXXX! We hope you enjoy the cutting-edge features and benefits included with your new service.
We are currently processing your order. In a few moments you will receive an email at the address provided to confirm your free installation appointment.
Please visit our support site at XXXX where weve compiled a host of videos and quick start guides that walk you through getting the most from your service.
Should you have any questions or need to alter your appointment time, were always available, day or night, at XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need to change your address with the postal service, please click the link below.
XXXX QUESTIONS Schedule an appointment below XXXX or call XXXX XXXX and the following from My leasing agent- they clearly state an affiliation with the company mentioned above. My Identity was stolen very shortly thereafter on XX/XX/XXXX.
___________________________________________________ Wed, XXXX XXXX, XXXX XXXX XXXX General Information ( XXXX ) Good Morning XXXX and XXXX, You may have had some confusion regarding gas utilities recently. We want to apologize for all of the confusion. XXXX XXXX has recently been made aware that the utility concierge that helped you set up your power and gas services when you moved in, had incorrectly set up services with XXXX gas instead of XXXX XXXX XXXXXXXX XXXX.
Because of this, XXXX XXXX XXXX had received the gas bill a few days ago and noticed that your unit was still in our name and had not transferred. We contacted the utility concierge and informed them that there was something wrong and they told us that they would reach out to you and the rest of the residents to try and correct this mistake. We understand that this is probably very confusing, so we wanted to reach out and explain in detail what happened and what needs to be done.
1. Some residents wanted to know what the gas is for. The gas in your unit powers the heat to your HVAC unit.
2. The charge on your ledger for gas ( {$9.00} ) is for the bill that we received a few days ago. We had calculated out the appropriate usage, and only charged your ledger based off of your move in date ( XX/XX/XXXX ) and the days you have lived in the unit. In other words, we did not charge you any gas usage from before you moved in.
3. You will need to contact XXXXXXXX XXXX XXXXXXXX XXXX to set up the services in your name as soon as possible. XXXX XXXX XXXX ( the utility concierge ) has probably already reached out to you again to try and assist you in this and you are more than welcome to use their help if you would like.
XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX. After you have called to set up the gas service in your name, XXXX XXXX XXXX will receive a final bill ( These arrive around the XXXX of each month ) and we will charge that final bill to your ledger. We will not charge any more gas charges after the final bill is posted since the services will be in your name and the bills will be sent directly to you.
Please feel free to contact us if you have any questions or need assistance.
Management Team XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX _______________________________________________XXXX XXXX Office ( XXXX ) To : you Details Good Afternoon, We have noticed that the gas bill for your unit 's HVAC is still in XXXX XXXX XXXXXXXX XXXX name. We have scheduled the disconnection of the gas for Monday XXXX. We recommend calling XXXX XXXX XXXX XXXX ASAP to connect the service in your name to avoid any service interruptions.
You will see a Gas Charge on your ledger for the previous month 's usage and in a few weeks another charge will be added for the final bill once this is received.
XXXXXXXX XXXX XXXX XXXX : XXXX Disconnection Scheduled : Monday XX/XX/XXXX For any questions, please call ( XXXX ) XXXX or email us at XXXX Sincerely, XXXX XXXX MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX _______________________________________________________ Additionally, XXXX claims there was a check issued in XX/XX/XXXX that I am alleged to have written. I have LONG suspected my father ( who is also the co-leasing party on the apartment- I do not qualify alone ) XXXX XXXX XXXX of holding checks to my account, and I was shocked to see my name in the ledger next to the bounced check payment in XX/XX/XXXX. I demanded to be furnished a copy of this check and I was ignored. Yet another instance of aiding identity theft.
I attempted to contact citizens home solutions to no avail.
This is fraud.
___________________________________________ Re : Reminder of Balance Due Dear XXXX, This notification is being sent as a reminder that a balance due remains on your lease. The details of the unpaid charge ( s ) are below : Location Lease Charge Date Description Balance Due XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Fee For Returned Payment {$44.00} In order to avoid late fees and further collection efforts, please take action to make payment immediately. Payment can be made XXXX hours a day on the XXXX Portal. To log in, click the following link : Portal Login Thank you.
_________________________________________ This obviously raised tension between myself and XXXX XXXX and things were already slow boiling prior to this, come XXXX I tried on XXXX separate occasions to update my phone & email to secure communication w/ the office, I was again ignored and continually contacted at the old, invalid email. This is actually another a violation of XXXX own leasing agreement, to keep contact info updated.
I went into the office to see what needed to do to qualify on my own at the apartment, and get a copy of my lease. I needed a copy because I'd been locked out of my tenant portal after the returned payment at XXXX choosing. This left me unable to pay online and unable to contact maintenance.
What followed is the most blatant disregard to XXXX XXXXXXXX I have ever seen, and XXXX should be absolutely ashamed for putting someone at risk of upsetting their XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contemplating pursuing legal recourse for this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
-- -- - Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Wed, XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) Subject : XXXX Eveningside # XXXX Lease XXXX XXXX and XXXX XXXX, we can not remove XXXX XXXX from the lease as you do not qualify on your own to lease the apartment. If you have another guarantor that is willing to be on the lease with you, please let us know. That person will need to complete an application and be approved.
XXXX XXXX, the lease break penalty is {$1500.00} plus a written 30 day notice.
The notice will need to be turned in by XX/XX/XXXX along with XXXX 's rent. You will have until move out day, XX/XX/XXXX to pay the lease break fee of {$1500.00}. Once the key is returned to the office we will complete a walk through for damages and the security deposit will be returned within 30 days of move out minus any damages.
*Warmest Regards, * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX ____________________________________ What is okay about this? It honestly makes my stomach churn.
Above is the email that I was sent after I left the office that day. They CC ; d my XXXX for whatever reason, as NO changes were made to the lease. I repeat, no changes were made.
They merely emailed him as well to advise him of my intent to escape his unpredictable, voliatle, lying, histrionic ***.
Utterly disgusting, ignorant and shameful.
In early XXXX I appplied for XXXX rent relief, by the XXXX of XXXX I hadn't heard anything and I checked in to see if the office had submitted thier XXXX of the application. this is what followed.
______________________________________ XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX PM to me XXXX XXXX, Thank you. I got it and will forward this along. I recommend you follow up XXXX Tuesday to see if someone was able to fill it out.
Sincerely, XXXX XXXX _____________________________ On Wed, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX wrote : XXXX XXXX, We will not be able to process any rent relief paperwork for you. Please remember that you are scheduled to be moved out this weekend and keys need to be returned to the office no later than Sunday night. If no keys have been received, eviction will be started again. Thanks.
Sincerely, XXXX XXXX ___________________________ On Wed, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX wrote : Just so I'm understanding correctly, you're unwilling to initiate an application to apply for past due rental fees and legal fees because you intend to charge a new set of legal fees and back rent assuming I'm not moved out before Friday? Despite there being a federal funding for this very purpose??? If that's your position I just want clarification of that so it can be addressed properly as well as the mishandling of my identification by your " concierge service '' who signed up for utility service using my identification, specifically gas, at the wrong location, resulting in me being without heat as the cold came in, i assume fmp credited my ledger for this after accepting payment for it. you're waiting until the weekend before to advise me of refusal to cooperate, the Wednesday before, despite me submitting an application weeks prior, when I could've used my application to apply elsewhere to avoid being without housing? I paid for gas at a location that I never received service from THROUGH first property management, I never received this service as a result of first property 's negligence supervising the third party company they subcontracted to handle the Identifications of their residents? Thank you for clarifying as soon as possible and I am thankful you advise me of this as before I submit my form XXXX to the irs for what I thought was an unrelated matter but considering I will be liable for any mishandling of my ID to sign up for utility services I didn't need, the late payments & breach of contract with xfinity as a result of noncompliance by XXXX & finally late utility payments as a result of this? I am excited to hear your position on this further & we both better hope my utilities electricity isnt cut off tonight as a result of this extreme position you find yourself taking .....
Just wanted to make sure I'm understanding your very, very clearly in case XXXX XXXX and myself find ourselves in an eviction hearing again soon.____________________________________ My credit score has dropped over XXXX points because of my leasing agent 's unwillingness to opt into XXXX XXXX relief. I lost over XXXX in utility deposits and payments that could have been covered under XXXX rent relief, and due to their XX/XX/XXXX refusal, My gas & electricity were both cut off by XX/XX/XXXX. It was begininning to get very cold.
I had to take out a lien on my vehicle in order to move, which is still not paid.
I lost XXXX worth of furniture that was left in the XXXX XXXX to insufficient space in the new residence. Ive suffered massive anxiety because of this all, the month after I moved in my sister was killed in a hit and run accident that remains unsolved, while dealing with the utility fiasco, bounced check, eviction notices and non compliance. I fully intent to seek recourse if XXXX fails to notify the credit bureaus of the real reason the account is delinquent. It is not because of non-payment. They have refused.
In XXXX I submitted a second applicaton for XXXX XXXXXXXX rent relief, and again advise XXXX.
The clerk advised me that she would " let them know '' Ive heard nothing, and the rental relief application still awaits their participation.
XXXX has civilly sued me for over XXXX.
In XXXX I submitted my XXXX and final application, advised XXXX and attempted to schedule a walk through.
My ( XXXX ) attempts to schedule a walk through prior to moving out were ignored.
I cleaned the apartment thoroughly and aside from the couch and table I was unable to move myself, the apartment was spotless, the walls were repaired if any holes were present. I cleaned the fridge, and even soaked most of the components ( shelves ) as my electricity being cut off in XX/XX/XXXX led me to have over {$200.00} worth of spoiled food inside, which was not pleasant come XX/XX/XXXX. When I was done, the fridge looked new and the apartment was cared for. I have never spoken to anyone abot my rental deposit. I have left numerous voicemails.
I still receive daily emails, they've reported my tenancy to data furnishers and risk-solutions as negative when their noncompliance and complacency led us here.
If first property management does not contact me or my representative by XX/XX/XXXX offering mediation of this, I will be seeking recourse under the fair debt collection act.
If XXXX does not contact by XXXX offering mediation of the expenses lost to utilities, spoiled food, the risk of identity theft, the risk to my safety, I will be seeking recourse.
If XXXX does not contact and issue the rental deposit - any damages they've assumed are my fault I will be seeking recourse.
I am contacting the local XXXX, news station, consumer affairs-Attorney General and Reporter XXXX XXXX XXXX XXXX XXXX XXXX this company poses a massive risk to consumers.
All will be receiving this complaint via certified mail, with relevant emails attached.
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07/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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A victim of both the Equifax and XXXX XXXX breach ; having had to forcibly move due to new ownership/XXXXXXXX conversion of my rental, started to go over my credit report in XX/XX/XXXX and noticed a huge discrepancy/theft-opening of cc accounts I had no knowledge of that eventually were maxed out and some sold/transferred to collections or charged off as delinquent and a long list of hard inquiries I was not aware of. Due to this after I couldnt find a rental due to the theft having a detrimental impact on my score therefore no landlord rented to me because of the theft after an explanation of the theft still A victim of Equifax and XXXX XXXX breach ; having had to forcibly move due to new ownership/XXXX conversion of my rental, started to go over my credit report in XX/XX/XXXX and noticed a huge discrepancy/theft-opening of cc accounts I had no knowledge of that eventually were maxed out and some sold/transferred to collections or charged off as delinquent and a long list of hard inquiries I was not aware of. Due to this after I couldnt find a rental due to the theft having a detrimental impact on my score therefore no landlord rented to me because of the theft after an explanation of the theft still rejected for a home, long story short as I was on a time crunch to leave the home I ended up accepting that I would not find a home with this fraud on my report/landlords assuming I was an irresponsible borrower, etc so I put my belongings into a POD in XXXX, still being stored due to no rental application approved due to this horrific theft and now I am XXXX. That said I got to finally submit my theft affidavit w the FTC and included that w proof of Id and FCRA law and each credit report to each particular credit bureau ( XXXX XXXX, Equifax, XXXX ) circles all incorrect reporting on my report by each of the companies and any documents I had to show my victimization of the two breaches ( both Equifax and XXXX XXXX ) and the confirmation numbers from the two breachs settlements I filed with them as a victim and having been notified of only XXXX XXXX via mail and Equifax thru research of my own. I did all the recovery steps the FTC recommended I do. I have all names and dates and times of day I called each of the 3 bureaus and each of the agencies that report the theft data to these bureaus after only some of the theft was removed by some of the three. As such, all representatives I talked to that are reporting the theft ( furnishers ) are confirming that the accounts are closed but are being reported by the three agencies. I filed my FTC on XX/XX/XXXX, all disputes are finished as far as I can tell. However, even w docs telling me accounts have been deleted the furnishers and reporting agencies are still reporting the theft!!!!!! Its been a very expensive and tedious process to get my identity and my real credit accuracy as per my right. I have been disregarded as frivolous meanwhile I am sitting here XXXX and paying hundreds to keep checking updates of my scores to find out what is still remaining as I have only been notified by calling myself to get info and then that gives me the ridiculous runaround I have no choice but to pay more money for the updates to see where I stand so I can find a place to live. Please have the XXXX, EQUIFAX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ONE/ALL HARD INQUIRIES AND REMAINING COLLECTION ( XXXX out of XXXX have been closed as far as I know? Not able to see disputes from FTC theft packages I sent as per FTC recovery steps so I am not able to know what remains and what doesnt. This is ridiculous and appalling that I am a victim of their negligence and Im called frivolous when I dispute my right to have this monstrosity corrected because, in fact, THEY were so frivolous with my most personal and private information! Im so tired of doing my part and going thru all the hours/days/weeks of getting my docs in order for the bureaus only to have them not complete my requests on ALL THEFT I SO CLEARLY PROVIDED IN MY CREDIT REPORT CIRCLING ALL INCORRECT ACCOUNTS ETC THAT CONTINUE TO THIS DAY AFTER ( certified mailed the packets FTC advised me to do so I am aware the bureaus received my docs between XXXX ) and I still live out of my car with poor credit scores because they cant do their job as required by LAW! So let me do more work and have to now file a complaint w you all because of their laziness and frivolousness with my lifeline so to speak! Im XXXX XXXX XXXX XXXX XXXX and have my mail being sent to a friend, please be advised I am not asking now I am insisting that these agencies do their job and get ALL the negative information on my credit reports from all three bureaus removed, blocked, corrected. This is not only against the law, I have done my part and sent the necessary documents for my case and most have been acknowledged and removed but they cant imagine how important it is as I write this XXXX XXXX XXXX XXXX, that they complete what they started and not do XXXX on what Ive lawfully asked them to do as if it is not important! I am disgusted and I am horrified that as a tax-paying citizen who has been a responsible and hard-working individual all my adult years I am thrown to the wayside when THEY lose my most precious and private information thru a hacker and I have paid the ultimate price to their irresponsible and unethical business. I have lost everything because of this and I have done nothing deserving of the cards that I was handed and as a VICTIM TO BREACHES IN COMPANIES I ENTRUSTED W THESE THINGS I AM DEMANDING ALL THE NEGATIVE STUFF BEING REPORTED ON ALL THREE CREDIT REPORTS to BE BLOCKED AND REMOVED IMMEDIATELY DUE TO HAVING NO KNOWLEDGE OR ANY WRONG-DOING AND A VICTIM OF IDENTITY THEFT!
Thank you kindly for your time in this matter. I apologize if I seem emotional but frankly, I am just so tired of being ignored by these agencies and if I do my part and hand them all they need to show I am a victim and I lawfully ask for them to do their part in now that I have given them all they need and in fact been proven to be victimized, however, they just gave up continuing to correct my reports apparently and now Im left with some removed and many negativity remaining ; therefore I remain XXXX and forking more money to have insight as to how far they are on my blocking request since they send me no information and keep me in the dark and now claiming my investigation is over but they ( all three bureaus ) didnt even finish and as it has been XXXX days they most likely just wanted to meet their timeline and meanwhile I suffer because they have a deadline????? No!!!! Remove the negative accounts and collection ( s ) and all hard inquiries as per I havent applied for credit since I was in my early XXXX let alone max em out and destroy my reputation as a borrower etc!? Its absolutely absurd! I am demanding these negative charge offs and collects and hard inquiries and any other damages the theft has done and now being reported in my name, be completely removed or I will be left no choice but to go to court and have all these furnishers and credit report companies smeared in the public eye for their complete and utter failure to the consumers as I know Im not the only one claiming neglectful and despicable and unethical behavior/actions from these agencies and furnishers alike. Thank you for listening. I am at your disposal if you have any questions or concerns. I have every shred of evidence showing I proved my identity theft and they even removed some of the negative stuff but pls can they finish their job if a deadline is a problem well too bad! You didnt get info on time and so as the law states the negative stuff you never looked into and had run out of time on it whatever it may be the reason for removing some and leaving most is I dont care. Do your job remove it or Ill take them to court. Thats is a promise. And I follow thru and finish what I start as u can see! Help! rejected for a home, long story short as I was on a time crunch to leave the home I ended up accepting that I would not find a home with this fraud on my report/landlords assuming I was an irresponsible borrower, etc so I put my belongings into a POD in XXXX, still being stored due to no rental application approved due to this horrific theft and now I am XXXX. That said I got to finally submit my theft affidavit w the FTC and included that w proof of Id and FCRA law and each credit report to each particular credit bureau ( XXXX XXXX, Equifax, XXXX ) circles all incorrect reporting on my report by each of the companies and any documents I had to show my victimization of the two breaches ( both Equifax and XXXX XXXX ) and the confirmation numbers from the two breachs settlements I filed with them as a victim and having been notified of only XXXX XXXX via mail and Equifax thru research of my own. I did all the recovery steps the FTC recommended I do. I have all names and dates and times of day I called each of the 3 bureaus and each of the agencies that report the theft data to these bureaus after only some of the theft was removed by some of the three. As such, all representatives I talked to that are reporting the theft ( furnishers ) are confirming that the accounts are closed but are being reported by the three agencies. I filed my FTC on XX/XX/XXXX, all disputes are finished as far as I can tell. However, even w docs telling me accounts have been deleted ( because of fraud/theft ) and the furnishers and reporting agencies are still reporting the theft!!!!!! Its been a very expensive and tedious process to get my identity and my real credit accuracy as per my right. I have been disregarded as frivolous meanwhile I am sitting here XXXX and paying hundreds to keep checking updates of my scores to find out what is still remaining as I have only been notified by calling myself to get info and then that gives me the ridiculous runaround I have no choice but to pay more money for the updates to see where I stand so I can find a place to live. Please have the XXXX, EQUIFAX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX/ALL HARD INQUIRIES AND REMAINING COLLECTION ( XXXX out of XXXX have been closed as far as I know? Not able to see disputes from FTC theft packages I sent as per FTC recovery steps so I am not able to know what remains and what doesnt. This is ridiculous and appalling that I am a victim of their negligence and Im called frivolous when I dispute my right to have this monstrosity corrected because, in fact, THEY were so frivolous with my most personal and private information! Im so tired of doing my part and going thru all the hours/days/weeks of getting my docs in order for the bureaus only to have them not complete my requests on ALL THEFT I SO CLEARLY PROVIDED IN MY CREDIT REPORT CIRCLING ALL INCORRECT ACCOUNTS ETC THAT CONTINUE TO THIS DAY AFTER ( certified mailed the packets FTC advised me to do so I am aware the bureaus received my docs between XXXX ) and I still live out of my car with poor credit scores because they cant do their job as required by LAW! So let me do more work and have to now file a complaint w you all because of their laziness and frivolousness with my lifeline so to speak! Im XXXX XXXX XXXX XXXX XXXX and have my mail being sent to friends, please be advised I am not asking now I am insisting that these agencies do their job ; get ALL the negative information on my credit reports from all three bureaus removed, blocked, corrected. This is not only against the law, I have done my part and sent the necessary documents for my case and most have been acknowledged and removed but they cant imagine how important it is as I write this XXXX XXXX XXXX XXXX, that they complete what they started and not do XXXX on what Ive lawfully asked them to do as if it is not important! I am disgusted and I am horrified that as a tax-paying citizen who has been a responsible and hard-working individual all my adult years I am thrown to the wayside when THEY lose my most precious and private information thru a hacker and I have paid the ultimate price to their irresponsible and unethical business. I have lost everything because of this and I have done nothing deserving of the cards that I was handed and as a VICTIM TO BREACHES IN COMPANIES I ENTRUSTED W THESE THINGS I AM DEMANDING ALL THE NEGATIVE STUFF BEING REPORTED ON ALL THREE CREDIT REPORTS to BE BLOCKED AND REMOVED IMMEDIATELY DUE TO HAVING NO KNOWLEDGE OR ANY WRONG-DOING AND A VICTIM OF IDENTITY THEFT!
Thank you kindly for your time in this matter. I apologize if I seem emotional but frankly, I am just so tired of being ignored by these agencies and if I do my part and hand them all they need to show I am a victim and I lawfully ask for them to do their part in now that I have given them all they need and in fact been proven to be victimized, however, they just gave up continuing to correct my reports apparently
and now Im left with some removed and many negativity remaining ; therefore I remain XXXX and forking more money to have insight as to how far they are on my blocking request since they send me no information and keep me in the dark and now claiming my investigation is over but they ( all three bureaus ) didnt even finish and as it has been XXXX days they most likely just wanted to meet their timeline and meanwhile I suffer because they have a deadline????? No!!!! Remove the negative accounts and collection ( s ) and all hard inquiries as per I havent applied for credit since I was in my early XXXX let alone max em out and destroy my reputation as a borrower etc!? Its absolutely absurd! I am demanding these negative charge offs and collects and hard inquiries and any other damages the theft has done and now being reported in my name, be completely removed or I will be left no choice but to go to court and have all these furnishers and credit report companies smeared in the public eye for their complete and utter failure to the consumers as I know Im not the only one claiming neglectful and despicable and unethical behavior/actions from these agencies and furnishers alike. Thank you for listening. I am at your disposal if you have any questions or concerns. I have every shred of evidence showing I proved my identity theft and they even removed some of the negative stuff but pls can they finish their job if a deadline is a problem well too bad! You didnt get info on time and so as the law states the negative stuff you never looked into and had run out of time on it whatever it may be the reason for removing some and leaving most is I dont care. Do your job remove it or Ill take them to court. Thats is a promise. And I follow thru and finish what I start as u can see! Help!
Respectfully, XXXX XXXX XXXX
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06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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ive been looking over my consumer report for quite some time and have been struggling with identity theft with fraudulent vehicle loans with fraudulent credit card accounts someone has been using my consumer reports and not only that, but the national credit reporting agencies have never notified me of any of this and they are in violation of the fair credit reporting act 15 US code 1681b 15, US code 1692c I request all of this information to be blocked under the fair credit reporting act 15 US code 1681C-2 there are numerous violations by the credit reporting agencies I asked for the FTC to look into this. I have filed a XXXX complaint, as well as a California, consumer protection, innovation, complaint, as well as a state attorney generals complaint here in the state of California. These are all fraudulent charges, and I want the criminals to be prosecuted to the fullest extent of the law I asked these accounts to be blocked and removed from my consumer reportXXXX XXXXXXXX XXXXEQUIFAX/XXXX CONTINUE TO VIOLATE STATE AND FEDERAL LAWS They have never shown me how theyve done any investigation, ledgers accounts, original consumer contracts from any of the negative accounts they continue to report and violate the fair credit reporting at the fair debt collection act as well as multiple state laws. I have contacted the the CALIFORNIA, consumer protection, XXXX department spoke with supervisor at XXXX Special handling at fraud department XXXX XXXX at XXXX XXXXXXXX XXXXEQUIFAX/XXXX XXXX And FRAUD SPECIALIST AT EQUIFAX I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent account and fraudulent inquiries would be removed from my consumer reports still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts.VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted XXXXEQUIFAX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) XXXX XXXX XXXX Case Number XXXX Court Docket XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C- 2 theyve received the paperwork from the US Justice Department XXXX the fraudulent accounts. The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt I am aware that my ( SSN ) belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( XXXX XXXX XXXXEQUIFAX/XXXX XXXXXXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXXEQUIFAX/XXXX XXXX XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX/EQUIFAX/XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX/EQUIFAX/XXXX XXXX XXXX XXXX XXXXEQUIFAXXXXX XXXXnto the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXX XXXX XXXX XXXXEQUIFAXXXXX Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments XXXX alleged debt not owed. XXXX XXXX XXXXEQUIFAXXXXX XXXXXXXX including XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX code XXXX Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer XXXXXXXX XXXX XXXXEQUIFAXXXXX
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04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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THIS IS NOT A DUPLICATE COMPLAINT, THIS IS NOT A DUPLICATE COMPLAINT! I am over XXXXXXXX years of age, under no XXXX and fully competent to give this Affidavit. This Affidavit is based on my personal knowledge that the facts set forth herein as duly noted below are true, correct, complete, and presented in good faith regarding the account listed as XXXX XXXX of purported loan/account number/I.D. of : XXXX or any derivative thereof with XXXX XXXXXXXX or any derivative thereof with XXXX hereinafter CREDITOR as defined under 12 CFR 226.2 ( 17 ) ( v ). The undersigned, XXXX XXXX, a natural person pursuant to 15 USC 1602 ( e ), hereinafter XXXX does herewith assert and declare on XXXX unlimited liability that XXXX issues this INFRINGED UPON CONSUMER RIGHTS VIOLATIONS AFFIDAVIT with sincere intent, that XXXX is competent to testify and state the matters set forth herein and is willing to testify with firsthand knowledge, all contents herein are true, correct, and complete in accordance with XXXX knowledge, understanding, and intent. XXXX is of sound mind, and over the age of XXXX XXXX reserves all rights. XXXX being unschooled in law, and who has no bar attorney, without an attorney, and having never been represented by an attorney, and does not waive counsel, knowingly and willingly Declares and duly affirms : Victim Information My full legal name is XXXX XXXX My date of birth is XX/XX/XXXX My social security number is XXXX. My driver 's license or identification card state and number is XXXX My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have utilized this address since XXXX. My daytime telephone number is XXXX My evening telephone number is XXXX. HOW THE INFRINGED UPON CONSUMERS RIGHTS OCCURRED 1. This Affidavit concerns the CREDITOR furnished inaccurate and incomplete information to the credit bureaus. XXXX recently discovered some more of the numerous acts of violations infringing upon a consumer 's right to privacy the CREDITOR committed against me as XXXX and of the body politic and/or public general, including without limitation, the following abridged list of violations committed at the behest of CREDITOR. 2. Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair, and accurate. After taking a look at my consumer report I realized my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companies ' initial investigation that you were going to report this information. This is a violation Pursuant to 15usc 1681 ( a ) ( 1 ) 3. Pursuant to 15usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies ' procedures, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer wasnt my information reported in your companies database. 4. Pursuant to 15usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 5. Pursuant to 15usc 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. Pursuant to 15usc 1681 ( a ) ( 3 ) 6. Pursuant to 15usc 1681 ( a ) ( 4 ) - You did not insure this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy. ( See Exhibit A ) 7. Pursuant to 15usc 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it that a consumer report should NOT include transactions between consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. Pursuant to 15usc 1681a ( d ) ( 2 ) ( A ) ( i ) 8. Pursuant to 15usc 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact is another violation. Pursuant to 15usc 1681a ( d ) ( 2 ) ( A ) ( iii ). 9. Pursuant to 15 usc 1681a ( 8 ) - Any authorization of a specific extension of credit card or similar device should be excluded from my consumer report. This alleged transaction that you company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 usc 1602 ( I ) ( definition attached and highlighted in Exhibit B. ) 10. Pursuant to 15usc 1681 ( a ) ( 4 ) ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking sytem is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assured a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 11. Congress makes it clear that a consumer has the right to privacy. They never define what privacy is because only the CONSUMER can define what privacy is to the CONSUMER I am stating that the account listed on my consumer credit profile is private and should not have been disclosed by 3rd party creditors which are listed in this affidavit as stated above XXXX CREDIT BUREAU. 12. CREDITOR failed to provide permissible purposes of consumer reports this is violation of 15 usc 1681b ( a ) ( 2 ) ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX. XXXX is a victim of INFRINGEMENT UPON A CONSUMERS RIGHTS. XXXXXXXX CREDIT BUREAU did not have permissible purpose nor did they have my written instruction. I did not provide them with written instruction and documentation does not exist allowing permissible purpose, if so you have 4 days from the receipt of this affidavit to provide such documentation. Failure to provide these documents requires immediate deletion of this purported loan/account number/I.D./bankruptcy/repossession/ of XXXX XXXXXXXX or any derivative thereof with XXXX XXXXXXXX or any derivative thereof with XXXX hereinafter CREDITOR as defined under 12 CFR 226.2 ( 17 ) ( v ) Failure to remove each negative item from my consumer report will result in a fine in the excess amount of more than XXXX XXXX for each violation. XXXX. PRIVACY ACT This written communication constitutes XXXX due process notice for being heard absent compliance with all requirements set forth herein CREDITOR, are barred from using any defense of immunity from prosecution for CREDITOR act, actions and omission, including their principal agent assigns, employees and the like. XXXX. By this Notice CREDITOR including their principal agent, assigns, employee shall comply with the provision of the Gramm-Leach-Bliely Act. [ 15 USC section 6802 ] Obligation with respect to disclosure of personal information ( a ) Notice Requirements ( b ) Opt Out for assisting the consumer in keeping inviolate certain constitutional protected privacy rights and guarantees, and from preventing encroachment thereon. XXXX. By this Notice CREDITOR including but not limited to principal agent, assigns, employees, failed to provide XXXX with a copy of any express written authorization and OPT OUT NOTICE pursuant to 15 USC 6802, whereby CREDITOR was authorized for disclosing/divulging/sharing XXXX credit card as defined under 15 USC 1602 ( l ) a/k/a social security number or social security card with any third party in any manner, as well as by means of communication, any information, documentation, data, property, effects and the like re XXXX CREDITOR failure in providing said authorization and OPT OUT NOTICE pursuant to 15 USC 6802 constitute CREDITOR are in violation of including but not limited to Gram-Leach-Biliely XXXX XXXX. CREDITOR possesses neither express, written authorization, OPT OUT NOTICE pursuant to 15 USC 6802, nor consent from XXXX for using revealing/disclosing/ divulging/sharing with any third party any secured information, documentation, data, property effect, and the like of XXXX XXXX. CREDITOR knowingly and intentionally violated the Gramm-Leach-Bliely Act 15 USC 6801, 6802 and is criminally liable for a fine in accordance with title 18 or imprisoned for not more than XXXX XXXX or both pursuant to 15 USC section 6823 and 18 USC section 248. XXXX. XXXX Affidavit is binding upon every principal agent, assignee, employer, employee and the like, re the subject matter set forth herein and herewith, and each and every principal and agents is : ( a ) Barred from providing any Credit Reporting Agency and derogatory credit information regarding the above reference debt ( s ) and inquiry. ( b ) Prohibited from contacting any other third party regarding the above reference alleged debt, have established the existence of a bonafide, lawful verifiable claim in substance and in fact until such alleged debt is verified as indicated herein and herewith. XXXX. Congress has also advised against the request, disclosure, and use of social security numbers as a unique identifier for records or in the issuance of credit for any purpose outside of Public Health and Welfare XXXX XXXX XXXX XXXXXXXX ) disclosure and uses. The Social Security Act in a codified chapter 42 US Code 408. Penalties subsection ( 8 ). In general whoever discloses, uses, or compels the disclosures of the social security number of any person in violation of the United States, shall be fined under title 18 or imprisoned for not more that XXXXXXXX XXXX or both. XXXX. XXXX is a victim as defined under 15 USC 1681g ( 3 ) ( 11 ) which means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of the consumer, with the intent to commit, or to aid or abet, and identity theft or a similar crime. XXXX. XXXX is a victim of identity theft, XXXX never authorized CREDITOR to use or transferred XXXX identification ( Credit Card as defined under 15 USC 1602 ( l ) a/k/a social security number or social security card ) for the purpose of obtaining money and property on credit. CREDITOR lack of authorization means IDENTITY THEFT pursuant to 15 USC 1681a ( a ) ( 3 ). XXXX. Any man or woman having first hand knowledge of all the facts asserted herein and having absolute power and authority to rebut this affidavit must rebut each and every point separately with the rebutting partys own signature and endorsement notarized, under the penalty of perjury and willing to testify, and executed as true, correct, and complete with positive proof attached. Absent positive proof any rebuttal shall be deemed null and void having no force or effect, thereby waiving any of CREDITOR immunities or defenses. XXXX. Any rebuttal shall be mailed to the undersigned and the Notary address within ten ( 10 ) calendar days of CREDITOR receipt of this affidavit. XXXX. When a rebuttal is not received by both the XXXX and the XXXX within 10 days this entire Affidavit and default provisions shall be deemed true and correct. XXXXXXXX XXXX further agrees and consents to this administrative notice and default under this affidavit as clear and convincing evidence and proof of the facts asserted herein : XXXXXXXX XXXX agrees to pursuant to Federal Law XXXX provide XXXX copies of the transaction details and business records in XXXX control, relating to the fraudulent transaction. A copy of the relevant law is enclosed. XXXX. XXXX agrees to information furnished on XXXX, Equifax, XXXX, and XXXX be deleted from credit report. I am absolutely tired of these credit reporting agencies not properly following the law, it is defamation of character. They fail to follow the proper procedures required by law to report information to our consumer reports due to this failure. It has cost me my lively hood, I can not get approved for anything! I can not get approved for a mortgage, I can not get approved for a car loan or even a credit card! These companies think they can just keep bullying consumers around with all the technology they have, well they need to learn to follow the laws! These companies have cost me major XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your company has destroyed my household! I can not even provide for my XXXXXXXX kids as I should be able to! XXXX, EQUIFAX, XXXX are not government entities and are required to follow the laws put in place for them! They should be severely punished for causing so much disaster to many XXXX XXXX, including mine! I have listed every law/code that these terrible companies have violated and I have attached an ftc report XXXX affidavit, an invoice to support my claims. I have attached my i.d, and my utility bill, for my identity verification. I have also attached a copy of my credit report as proof for the violations that these companies seem to do effortlessly. Please delete all requested information from my credit file as requested and fulfill my invoice.
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09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 5 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 3 days from the date of your receipt as an internal dispute, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX day of XXXX, XXXX by, XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XXXX day of XXXX, XXXX. XXXX XXXX XXXX.
XXXX ACCOUNT : EQUIFAX 1. XXXX/DEPT OF EDU
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04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX COLLECTION AGENCY : XXXX XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit reporting agency, are reporting incorrect accounts.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.
1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of ...
1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and A statement by the consumer that the information relating to the transaction by the consumer.
All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, www.cons umerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 16 U.S.C 1681168l y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 16 U.S.C 168ls2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinanoe.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the U.S Code is at the end of this document.
Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( l ) ( A ) and ( a ) ( l ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnish.es information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( l ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under this regulation, s furnishers mu.et complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 62S ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( l ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( l ) ( C ) and ( b ) ( l ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information or block its reporting. Section 623 ( b ) ( l ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRA.s must report this fact when .it provides information to CRA.s for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRA.s may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. H the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished, negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 61500.
The CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.
Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681et seq. : I have provided all of the above-listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
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11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My Only XXXX & Last Name XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX The last XXXX of my SSN # XXXX My Only XX/XX/XXXX Ive sent paper work and complaints from the XXXX XXXX Department ( BBB ) ( CALIFORNIA XXXX ATTORNEY GENERAL COMPLAINT ) CALIFORNIA XXXX XXXX AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO -XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX a ( d\ ( XXXX ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT XXXX XXXX the consumer reports. Yet XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT -XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.XXXX XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXX GF XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$410.00} CHAPTER XXXX bankruptcy discharge XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I [ XXXX XXXX XXXX ], issue this urgent and non-negotiable Affidavit of Truth. I am the original creditor, lender, executor, and XXXX for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as I XXXX XXXX XXXX I also serve as my agent and attorney-in- fact in all relevant matters. XXXX and XXXX XXXX penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and Equifax XXXXXXXX XXXX XXXX XXXXXXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. ( 15 U.S. Code 1681s-2 : ) Failure to correct and update inaccurate information in my consumer reports. The reporting of excluded information pursuant to ( 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of ( Metro2 compliance ). Provide me with the ( Metro2compliance ) -disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, ( collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that thisaccount has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed inCollection/Charge-Off Status ) -WITHOUT mailing me a copy of ( IRS form XXXX C Cancellation XXXX Debt. ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Fraudulent Account ) Account Name Account number Date open Dollar Amount CAPITAL XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXX GF XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$410.00} CHAPTER XXXX bankruptcy discharge XX/XX/XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file -IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved : ( 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. ( 15 U.S. Code 1681s-2 : ) : Failure to correct and update inaccurate information in my consumer reports. : -immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and Equifax are in blatant violation of the following U.S. codes and legislation for theeasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports. 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Only XXXX & Last Name XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX The last XXXX of my SSN # XXXX My Only XXXX delete all otheraddresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections AS OF XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " XXXXransUnion '' consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601 -Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. On the date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX came before me today as XXXX XXXX and blood living being ( non-entity/non debtor ) under oath to the highest of creation only and provided the facts listed herein.XXXX XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$410.00} CHAPTER XXXX bankruptcy discharge XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX Code 1681c2 - Block of information resulting from identity theft * U.S. Code * Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft,
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03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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EQUIFAX CFPB XX/XX/XXXX To Whom it May Concern ; I am writing you about inaccuracies that are being inequitably furnished by Equifax on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, Equifax is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and anxiety every day as a result of this. Available apartments I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX! My safe livelihood is at stake and I am at risk of homelessness because of EQUIFAX not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that Equifax investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15 USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party.
I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary. I did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ;. Block and Delete Update the account as paid/current I was never late on this account. Update the account as paid/current The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. The use of a ( federal reserve ) Note is only a promise to pay. Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.
I can't provide exact dates because I have beeN TRYING FOREVER As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ), I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.
I am comprehending that the credit reporting agencies, EQUIFAX INCXXXX, XXXX AND XXXX delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see. Thank you for your time and effort in this important and urgent matter.
I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud. ALSO According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 The US Congress passed the Emergency Banking Act. IT WAS LATER announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.
Per Cfr 1022.41 and 15 USC 1681 Permissible purposes XXXX XXXX XXXX { {$60.00} } is reporting incorrect across all XXXX credit reporting agencies EQUIFAX, XXXX, XXXX XXXXPer 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Every month EQUIFAX INC. is reporting C/O charge off on my credit report and that is illegal you can't charge off a debt every month it is re-aging the debt making it look newer than what it is and manipulating the the system.
EQUIFAX INC. has violated my privacy numerous of times by selling my information multiples times to 3rd party without my consent. XXXX and XXXX XXXX XXXX are the two companies XXXX XXXX XXXX, AND EQUIFAX has sold my personal information to such as my address, social security number, birthday and name and they are lying about it. EQUIFAX INC. is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. EQUIFAX INC. and XXXXXXXX XXXX XXXX., violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. Here is a list of laws that EQUIFAX INC. is abusing and violating me as well as all 3 credit reporting agencies EQUIFAX INCXXXX, XXXX and XXXX. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
XXXX XXXX
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09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 5 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 3 days from the date of your receipt as an internal dispute, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated thisXX/XX/XXXX. XXXX XXXX XXXX.
FAULEND ACCOUNT : EQUIFAX 1. XXXX/DEPT OF EDU
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04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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my name is XXXX XXXX reached out to XXXX/EQUIFAX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX EQUIFAX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/EQUIFAX then XXXX you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/Equifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act.Gramm-leach-Bliley. THEY HAVE RECEIVED Equifax, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ive sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent address XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733 . ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after thedate of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXXXXXX XXXX XXXX XXXX EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agencyshall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete allother addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer sectionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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04/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : ACCOUNT NUMBER : STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : MLH ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX I am writing to you today to formally dispute several inaccuracies and unauthorized credit pulls that have been impacting my life due to the negligent actions of various creditors. I implore you to enforce the legal rights and protections in place to safeguard consumers like myself from the distressing consequences of these violations. I am reaching out to you, not just as a concerned citizen, but also as someone who has experienced firsthand the severe emotional and financial toll caused by these violations.
As an individual who has always strived to maintain a strong credit history, I was dismayed to discover the numerous errors and unauthorized inquiries on my credit report. The violations committed by the creditors have subjected me to significant hardships that extend beyond just financial constraints. These violations have affected my emotional well-being, causing stress and anxiety that have, in turn, impacted my overall quality of life.
One of the most disheartening aspects of this situation is the fact that these violations have not only damaged my financial reputation but have also affected my personal life. For instance, the inaccurate information provided by [ Creditor Name ] regarding my payment history has led to a tarnished credit score, preventing me from securing loans on favorable terms. As a result, I have been denied opportunities to invest in essential assets such as a new home for my family.
The emotional strain has been further intensified by the unauthorized credit pulls that have been recorded without my consent. These unauthorized inquiries have invaded my privacy and left me feeling violated, as my personal financial information has been accessed without my knowledge or permission.
Furthermore, these violations have generated a sense of helplessness and frustration as I strive to rectify the situation. Despite my efforts to address the inaccuracies and unauthorized inquiries with the concerned creditors, my requests for resolution have been met with limited success. This ordeal has not only impacted my financial future but has also taken a toll on my mental health, causing sleepless nights and anxiety about my family 's future.
Here is a comprehensive list of the violations and associated account information : XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX : Account number : Name, The following personal information is incorrect. This is not my name. Delete it immediately from my report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX CA XXXX XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
In light of the violations mentioned above, I respectfully request the following actions be taken : Thorough Investigation : I kindly ask that the CFPB conduct a thorough investigation into the violations committed by the creditors listed in my formal dispute.
Enforcement of Legal Rights : I urge the CFPB to enforce the legal rights and protections in place to ensure that consumers like myself are safeguarded from such violations.
Immediate Removal of Inaccurate and Unauthorized Information : I request that the concerned creditors promptly remove the inaccurate payment histories and unauthorized credit pulls from my credit report.
Documentation of Removal : Following the removal of the inaccuracies and unauthorized inquiries, I request written documentation confirming that the necessary corrections have been made to my credit report.
In conclusion, I hope my personal account of how these violations have affected my life serves as a poignant reminder of the real and lasting impact of creditor negligence. I believe that through your intervention, justice can be served, and I can reclaim my financial security and emotional well-being.
I genuinely appreciate your attention to this matter and your commitment to upholding consumer rights. Thank you for considering my formal dispute and for your dedication to ensuring a fair and just financial landscape for all.
Sincerely, XXXX XXXX XXXX
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04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Here is a list of accounts that you claimed were verified.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/XXXX Summary of Accounts being challenged in list form XXXX XXXX XXXX Original Creditor : XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Accounts being challenged in list form US XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX I am reaching out XXXX you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into Metro 2 compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road togetherMy credit report is a representation of my financial standing and I take pride in keeping it up-to date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility -- so now I'm going through the process of correcting this oversight permanently!
The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records i reviewed my credit report and noticed several incomplete inaccurate furnished accounts on my report. you company are suppose to properly investigate the accuracy before publishing data. You violated the United States Code Law ( TILA 15 U.S Code 1666 ( b ) billing error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S Code 1666 ( b ) billing error -- - ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. The creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. SEC. 4021. CREDIT PROTECTION DURING COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PAN- DEMIC . ( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommoda- tion includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a con- sumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) COVERED PERIOD.The term covered period means the period beginning on January 31, 2020 and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursu- ant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obliga- tion or account as current. ( iii ) EXCEPTION.
Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off..
Also, see the image above for XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
2 Year Payment History This a notice to your company on the inaccurate furnished account on my credit report. this is a aware notice that You violated the United States XXXXode Law ( TILA 15 U.S Code 1666 ( b ) billing error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S Code 1666 ( b ) billing error -- - ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. The creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. SEC. 4021. CREDIT PROTECTION DURING COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PAN- DEMIC . ( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommoda- tion includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID19 ) pandemic during the covered period. ( II ) COVERED PERIOD.
The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursu- ant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obliga- tion or account as current. ( iii ) EXCEPTION.Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.
Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
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09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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My Only First & Last Name XXXX XXXX XXXX My Only XXXX XXXX, XXXX XXXX XXXX XXXX Ca XXXX The last 4 of mySSN # XXXX My Only DOB XXXX I RENCENTLY LOOKED AT MY CONSUMER REPORTS AND CONTACTED XXXX/EQUIFAX XXXX XXXX XXXX XXXX AND ALL THE DEBT COLLECTORS ABOUT IDENTITY AND FRAUDULENT ACCOUNTS REPORTED ON MY CONSUMER REPORTS dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( XXXX ) XXXX EQUIFAX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore XXXX until validated you know your information concerning this debt is inaccurate.Fraudulent ) [ ACCOUNT NAME XXXX XXXX XXXX BANKRUPTCY XXXX XXXX DEPT OF EDUCATION/ XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER DATE OPEN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply ( 15 USC 1681c-2 - Block of information resulting from identity theft -Fraudulent ) [ ACCOUNT NAME XXXX XXXX XXXX BANKRUPTCY XXXX XXXX DEPT OF EDUCATION/ XXXXXXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Fraudulent ) [ ACCOUNT NAME XXXX XXXX XXXX BANKRUPTCY XXXX XXXX DEPT OF EDUCATION/ XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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03/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX investigated a fraudulent XXXX XXXX acct.XXXX XXXX represent XXXX XXXX and XXXX XXXX XXXX as a subsidiary.I sent a inquiry to The CFPB and XXXX XXXX found the acct fraudulent however, I submitted the findings of the CFPB and XXXX is still stating that the acct is accurate.
On Tuesday, XX/XX/XXXX XXXX XXXX, CFPB wrote : CFPB Header You may have been a victim of fraud.
XX/XX/XXXX Hello, Thank you for your complaint XXXX about XXXX XXXX, XXXX XXXX XXXX, XXXX.
We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud by a person or company pretending to be the company in your complaint.
What do I do?
If you have been the victim of a scam, you are not alone. There are resources available to help you.
The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at XXXX. The XXXX XXXX XXXX XXXX is a partnership between the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX.
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : XXXX XXXX, XXXX XXXX, or personal loan Issue : Struggling to pay your loan What else can I do?
You can also use the following government agency websites to get information on fraud, safety, and identify theft : XXXX XXXX XXXX Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX XXXX XXXX ImportantIf you submitted this complaint on behalf of someone else or you are the co-owner or authorized user on the account and you did not submit the complaint yourself you will need to contact us by calling ( XXXX ) XXXX for questions and status updates. Only the primary owner of the account will receive access to the Consumer Portal.
QUICK LINKS More about our complaint process : consumerfinance.gov/complaint/ or call ( XXXX ) XXXX For legal assistance visit the Legal Services Corporation XXXX XXXX XXXX Additional financial information and resources : XXXX CFPB Footer Im also being threatened and harassed by this company.
On Friday, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX wrote XXXX -- - On Sat, XX/XX/XXXX, XXXX XXXX XXXX wrote : > From : XXXX XXXX XXXX XXXX Subject : Final Notice > To : " XXXX '' XXXX > Date : Saturday, XX/XX/XXXX, XXXX XXXX > > > > > > > > > Find Your Warrant > Copy : XXXX will be going to release on > Wednesday > This is last chance > for > This Legal Proceeding > will be issued on your Docket Number XXXX with one > of XXXX XXXX XXXX Company to let know you that after > making calls to > you on your phone number we were not able to get hold of > you. So the account 's department of XXXX XXXX has > decided to mark this case as a flat refusal and press legal > charges against you.
> CASE NO : > XXXX > Amount Outstanding : > {$600.00} > We have sent you this > warning notification about legal proceedings of XX/XX/XXXX, > XXXX, but you failed to respond on time now its high > time if you failed to > respond in next 4 HOURS we will register this case in > court. Consider this as a final warning. And we will be > Emailing/ Fax this issue to your current employer to make > sure they take strict against you. Your salary wages will we > garnished.
> > Do revert back if you > want to get rid of these legal consequences and make payment > arrangement today or else we would be proceeding legally > against you and > this notification will also send to your current employer.
> The opportunity to take care of this voluntary is quickly > coming to an end. We would hate for you to lose the option > of resolving this before it goes to the next step which is a > Lawsuit against you, XXXX but to do so you must take immediate action.
> > > You can email back to > get the payment mode.
XXXX XXXX XXXX > We will we forced to > go ahead legally against you and once it proceed in the > Court House, The creditor has entire rights to tell your > employer and your references > about this issue and the lawsuit will be the next step > which will be amounting to {$6700.00} and will be totally > levied upon you and that would be excluding your attorney > charges. If you take care of this out of court then we will > release the clearance certificate > from the court and we will make sure that no one will > contact you in the future.
> > Please let us know > what your intention is by today itself so we can hold the > case or else we will send the paperwork to your local county > sheriff department > and you will we served by court summons at your door > step.
> > We informed you and > we have more than 17 kinds of technical proof against you to > prove that you are guilty and committed the following > frauds.
> > > 1. Violation of > Federal Banking Regulation.
> > 2. Collateral Check > Fraud > > 3. Theft by > Deception > > 4. Electronic Fund > Transfer Fraud.
> > > Note : This notice > provided to you for XXXX XXXX XXXX and its parent > company, and their respective family of companies including > XXXX XXXX, its parent > company, XXXX XXXX XXXX , XXXX, and all of their > respective subsidiaries and affiliates, ( after this ... takes > effect collectively called the XXXX XXXX Related > Companies, we, our, or > us ). The XXXX XXXX Related Companies > include, but > are not limited to : XXXX XXXX, XXXX XXXX > XXXX XXXX XXXX, and all of their respective > subsidiaries and affiliates, including those that work under > the trade names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, > XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX > XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX > XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX > Now, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX > XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Check into > XXXX XXXX XXXX XXXX > XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX > XXXX XXXX XXXX, or any company-owned XXXX . XXXX > locations. You or Your means you > as a participant in or as a user of the products and/or > services offered by a XXXX XXXX Related > Company.
> WE MAY REPORT > INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE > PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT > MAY BE REFLECTED IN YOUR > CREDIT REPORT.
> > > TERMS AND > CONDITIONS YOU AGREED.
> > By electronically > signing this Loan Agreement by clicking the I > AGREE button below, you are confirming that you have > agreed to the terms and conditions > of the Consent and that you have downloaded or printed a > copy of this Consent for your records.
> > > Note : To make payment > you would have to contact our email address > XXXX XXXX > We are informing you > that if we will not receive your payment then, > unfortunately, we have to go ahead further with the legal > action against your name > > Note : - If you ignore > this email and failed to take care of this debt than all of > your bank accounts will we seized through XXXX XXXX > XXXX within Seven > Business Days that's why your co-operation will we > appreciate.
> > XXXX XXXX ( Accounts > Dept. ) > XXXX XXXX XXXX > agency XXXX XXXX > XXXX XXXX > XXXX > XXXX XXXX > XXXX > XXXX, GA > XXXX > > > > > -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Thu, XX/XX/XXXX, XXXX wrote XXXX Subject : Final Legal Notice Before Legal Proceedings To : XXXX Date : Thursday, XX/XX/XXXX, XXXX AM Hello, Find Your Warrant Copy : XXXX - XXXX - XXXX will be going to release on Friday. This is last chance for you This Legal Proceeding will be issued on your Docket Number XXXX - XXXX - XXXX with one of XXXX XXXX XXXX Company to let you know that after making calls to you on your phone number we were not able to get hold of you. So the account 's department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXX - XXXX - XXXX Amount Outstanding : {$980.00} We have sent you this warning notification about legal proceedings of XX/XX/XXXX, but you failed to respond on time its high time if you were unable to meet in next 24 HOURS we would register this case in court. Consider this as a final warning. And we will be Email/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will we garnished. Do revert if you want to get rid of these legal consequences and make payment arrangement today or else we would be proceeding legally against you, and this notification will also send to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so, you must take immediate action. You can email us back to get the payment mode.XXXX XXXX XXXX XXXX We will be forced to go ahead legally against you and once it proceeds in the Court House , the creditor has entire rights to tell your employer and your references about this issue and the lawsuit will be the next step which will be amounting to {$8400.00} and will be levied entirely upon you and that would be excluding your attorney charges. If you take care of this out of court, then we will release the clearance certificate from them, and we will make sure that no one will contact you in the future. Please let us know your intention by today itself so we can hold the case or else we will send the paperwork to your XXXX XXXX sheriff department and you will we served by court summons at your doorstep. We informed you, and we have more than 17 kinds of scientific proof against you to prove that you are guilty and committed the following frauds. 1. Violation of Federal Banking Regulation. 2. Collateral Check Fraud 3. Theft by Deception 4. Electronic Fund Transfer Fraud. Note : This notice provided to you for XXXX XXXX XXXX. and its parent company, and their respective family of businesses including XXXX XXXX, its parent company, XXXX XXXX XXXX , XXXX, and all their respective subsidiaries and affiliates, ( after this ...
takes effect collectively called the XXXX XXXX XXXX XXXX, we, our, or us ). The XXXX XXXX Related Companies include, but are not limited to : XXXX XXXX, XXXX XXXX XXXX , XXXX, and all of their respective subsidiaries and affiliates, including those that work under the trade names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, or any company-owned XXXX XXXX XXXX locations. You or You're means you as a participant in or as a user of the products and services offered by a XXXX XXXX Related Company. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY REFLECT ON YOUR CREDIT REPORT. TERMS AND CONDITIONS, YOU AGREED. By electronically signing this Loan Agreement by clicking the I AGREE button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. Note : To make the payment you need to contact our email addressXXXX XXXX XXXX XXXX We are informing you that if we do not receive your payment then, unfortunately, we must go ahead further with the legal action against your name Note : - If you ignored this email and failed to take care of this debt than all your bank accounts will we seized through Major XXXX XXXX XXXX XXXX Business Days that's why your co-operation will we appreciated. XXXX XXXX ( Accounts Dept. ) Bureau of Defaulters agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX powered by XXXX. Free mail merge and email marketing software for Direct Dispute In partnership with Past Disputes XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report.
Dispute Reason Ownership : I have no knowledge of this account.
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you're not satisfied with these results you can go to XXXX 'XXXX site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report.
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX.
Mail : XXXX XXXX XXXX XXXX. Box XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX XXXX Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX I also had a hard time getting speedy cash removed but after I got u all involved it was removed.
XXXX XXXX Reported on XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$540.00} High Balance {$540.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX You already have an open dispute with XXXX, so we can't submit this request to them right now. To file a new dispute request, you can either mail XXXX another dispute request directly, or you can wait until your first dispute wraps up and submit your request through XXXX XXXX.
Add More Items Continue.
This is the message I got its still being investigated but there is an answer.
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07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX reached out to XXXXEQUIFAX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX EQUIFAX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXXEQUIFAX then XXXX you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXXEquifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED Equifax, XXXX, XXXX XXXX, and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaintXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent out multiple FTC reports BBB reports California consumer protection and innovation complaints as well as a California state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733 . ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXXEQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXN/EQUIFAXXXXXXXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXXEQUIFAX XXXXurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX DATA SOLUTIONS EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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04/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX : Account XXXX ( Original ) To whom it may concern, Please note that as of XX/XX/XXXX your claim has not been validated. I have fully documented all attempts to remove these inaccurate items and have also documented your failure to comply with Federal Laws. On XX/XX/XXXX I notified you in writing that I dispute the validity of this debt and asked that you comply with Section 809 of the Fair Debt Collection Practices Act by providing me with the following information : Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Amount of alleged debt Date that alleged debt became payable Date of original charge off/delinquency Whether debt was assigned or purchased by collector Amount paid for purchased debt, if applicable Commission for debt collector if collection efforts are successful Original copies of Notice of deficiency, Reinstatement notice, and Notice of Sale along with the proper tracking information and return receipt Payment History Agreement between XXXX XXXX and XXXX that grants XXXX authority to collect on this debt Signed agreement debtor made with XXXX Complete payment history XXXX XXXX Method of Verification Name and address of bonding agent License and surety bond information that gives XXXX legal authority to collect in the state of Illinois On XX/XX/XXXX XXXX XXXX XXXX provided me with minimal, at best, insufficient and incomplete documentation. Several of the above-mentioned documents were missing most importantly the notices, receipts, complete payment history, licensure and bond information, and any contracts that the alleged debtor had with XXXX XXXX that stated the debtor had any contractual obligation to pay XXXX XXXX. On XX/XX/XXXX I requested, as required by FCRA 611 ( a ) ( 7 ), that you provide me with a complete copy of the information that you used to investigate the matter including the pertinent missing information ( a copy of that letter is included ) and again on XX/XX/XXXX you failed to provide me with that information and to delete the negative items because you were unable to reproduce it.
Please be advised that you are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information belongs to XXXX XXXX and it is to be completely accurate. As the Validation Department I am sure that you are aware, that law states that, Consumer Reporting Agencies, and those utilizing Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and that responsibility must coexist of something more than merely purporting information received from other sources. That third-party creditors are not holders in due course and not acknowledged under Law.
Please verify, under penalties of perjury, that XXXX XXXX has a contract with You and/or XXXX XXXX XXXX, supervisors, heirs, agents and assigns without authorization of original contract. Please provide the contract with signatures wet-ink signed by all parties under the penalties of perjury.
1 ) I, XXXX XXXX, am not in receipt of the document that verifies that XXXX XXXX XXXX, supervisors, heirs, agents and assigns under the penalties of perjury. Please produce that documentation. I demand strict proof.
The following rules apply, pending resolution : a. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ).
b. Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
All statements made by You not wet-ink-signed under the penalties of perjury shall be accompanied by a statement signed under the penalties of perjury that such statements may be made.
In Title 28 of the United States Code ( 28 USC ) we find at section 1746 the following : TITLE 28, PART V, CHAPTER 115 1746. Unsworn declarations under penalty of perjury Release date : XXXX Wherever, under any law of the United States or under any rule, regulation, order, or requirement made pursuant to law, any matter is required or permitted to be supported, evidenced, established, or proved by the sworn declaration, verification, certificate, statement, oath, or affidavit, in writing of the person making the same ( other than a deposition, or an oath of office, or an oath required to be taken before a specified official other than a notary public ), such matter may, with like force and effect, be supported, evidenced, established, or proved by the unsworn declaration, certificate, verification, or statement, in writing of such person which is subscribed by him, as true under penalty of perjury, and dated, in substantially the following form : ( 1 ) If executed without the United States : " I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on ( date ). ( Signature ) ''. Emphasis Added ( 2 ) If executed within the United States, its territories, possessions, or commonwealths : " I declare ( or certify, verify, or state ) under penalty of perjury that the foregoing is true and correct. Executed on ( date ). ( Signature ) ''.
Please answer the following questions which are to be responded to under the penalties of perjury, to each and every question in writing : Factually, are You an attorney?
Yes or no.
Factually, do You have a license to practice law granted to You by the State of Illinois?
Yes or no.
Is that an arbitrary opinion?
Yes or no.
Is that on facts currently within your knowledge?
Yes or no.
Factually, do You have a contract with XXXX XXXX?
Yes or no.
Factually, do You have a right or a privilege to make a legal determination for XXXX XXXX without her permission?
Yes or no.
Is that an arbitrary opinion?
Yes or no.
Is it based on facts currently within your knowledge?
Yes or no.
I direct You to declare the issues and provide the bill of particulars in the alleged debt of XXXX XXXX to You.
I direct You to provide the proceeds, products, accounts, fixtures and services in the alleged debt of XXXX XXXX to Me.
Where is the superior preexisting contract between XXXX XXXX XXXX, supervisors, heirs, agents and assigns and/or XXXX XXXX?
Who is the real party of interest?
Is there damaged property and the verified assessment of its value?
Is that an arbitrary opinion?
Yes or no.
Is this based on facts currently within your knowledge?
Yes or no.
Each party in this case has failed to produce their license to practice law issued by the state of Illinois, and is practicing law without a license, representing Me without My permission. Each of the parties is also incompetent to practice law, as My due process rights have been abrogated in this case. There is also lack of venue of jurisdiction in this matter, as the contract, or lack of contract, is specifically a matter between Me and the plaintiff, with no third-party interveners allowed.
If by chance you are able to provide contractual documentation that XXXX has with the alleged debtor, or original creditor I would like to direct your attention to the second page of the contract, additional agreements of buyer, which states that the assignee is XXXX. There are no signatures otherwise located on this page that provide evidence, or acknowledgement that the alleged debtor has any contractual obligation to the assignee, any of its successors, or XXXX XXXX XXXX, throughout the contract, and/or if the purchaser were to default. Please provide proof that the debt was purchased or assigned to XXXX XXXX XXXX by XXXX on XX/XX/XXXX.
Please note that I am in receipt of the follow up letter, aforementioned on XX/XX/XXXX by XXXX XXXX XXXX, in which the licensure number is provided. However, I am not in receipt, as previously requested, of the surety bond that XXXX XXXX holds that grants them legal authority to collect in the state of Illinois.
Additionally, Illinois has legally sanctioned that the name of the assignee be on the certificate of title or certificate of salvage per the affidavit of repossession. Please provide a copy of the certificate that names XXXX XXXX XXXX as the previous owners of the referenced vehicle after it was repossessed. Please also provide an original copy, as well as return receipt with tracking information that a notice was sent to the consumer, under 625 ILCS 5/3-114 ( f-7 ) ( 1-4 ), to inform consumer that a repossession certificate from Illinois would be obtained. Please provide dated proof that this certificate in question was not transferred from XXXX XXXX. If certificate is dated anytime between XXXX, this debt will be considered invalid, and will be deleted immediately from all CRA reports XXXX and third party reports-+ as this would have been deemed an illegal transfer.
I also noticed that there was no copy of your judgment lien filed with the Secretary of State of Illinois. A Judgment Lien is filed when a Judgment Creditor ( secured party ) has gone to court and has been awarded a monetary judgment against personal property of a debtor. A Notice of Judgment Lien must be submitted and received by the Secretary of State 's Office within ten days of the notice date.
If so much as one jurisdictional failing appears on the face of the judgment roll, the entire matter is void, as phony and XXXX as a three and a half dollar bill, to wit : the so-called judgment is this instant matter was an alleged default judgment ; hover, even in a default judgment, there must be a prove up of the claim by and through the appearance and testimony of at least one competent fact witness, supporting testimony with competent evidence and the party against whom the default judgment is rendered must have notice and opportunity to appear at a forensic examination of the evidence and be able to question the witness ( es ) under oath. Even a default judgment must be proved! See XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ).
Subject matter jurisdiction can not be presumed, never be waived and not be constructed even by mutual consent of the parties. Subject matter jurisdiction is two part : the statutory or common law authority for the court to hear the case and the appearance and testimony of a competent fact witness, in other words, sufficiency of pleadings. If there is a jurisdictional failing appearing on the face of the record, the matter is void, subject to vacation with damages, and can never be time-barred.
I would also like to point out that under Redemption of Collateral : 810 ILCS 5/9-613 and 5/-614, the date of intended sale of vehicle was not clear per certified letter sent on XX/XX/XXXX by XXXX which stated that the vehicle would be sold privately on or after this date. The time, place, and exact date were not provided, and therefore the debtor was not given an opportunity to redeem said vehicle, attend the sale/auction or find potential buyers. Additionally, the alleged debtor was not able to observe that the vehicle being sold was for a fair price being that it was a private auction. This was verified by a CS rep on XX/XX/XXXX that the date the car was sold on, XX/XX/XXXX at XXXX XXXX, and per XXXX XXXX Website that sales on XXXX ( XX/XX/XXXX ), are closed to the public and only open to licensed dealers.
Please provide further proof that there were advertisements for this sale, as required by law. Please provide copies of original advertisements with legible date, place and time. Please note that under 810 ILCS 5/9-625 that both the creditor and collection agency can be sued for an improper sale notice.
As previously requested, please provide the tracking number for the Notice of Deficiency. The return receipt provided has an unverifiable receipt and tacking number. Therefor the Notice of Deficiency has still not been validated.
As previously requested, please provide an answer to whether this debt was assigned or purchased, as well as the amount paid in full if it was purchased. Please also provide whether there is commission, and the amount if collection efforts are successful.
As previously requested please attach all copies of all statements from this account while it was open per section 609 of the FCRA. This has still not been validated.
Pursuant to XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) - alleged collector is to provide, at the very least, a full payment history ( original receipt of funds received by alleged original creditor and original reporting date to CRA by alleged original creditor/collection agency for all payments ) and an explanation of how additional fees were calculated As previously requested please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary Please note that the Notice of Sale ( post marked date and tracking ) was past the legally allotted time frame of 3 business days overflowing to 4. Therefore, the Notice of Sale has not been properly provided by XXXX and its alleged creditor and furthermore is not validated or acknowledged.
I demand the foregoing account be verified or removed immediately. You have run out of the time requested for validation and verification, and therefore this account has not been satisfactorily validated or verified and needs to be removed and deleted from all CRA reports, and all debt collection is to cease and desist immediately. As a courtesy I will extend you 5 days from the postage stamp of this letter to resolve this matter, XX/XX/XXXX.
I sent another letter today, XX/XX/XXXX asking for the same info because the company I wanted to validate the information did not send any of the requested info
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04/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to dispute several inaccuracies and violations made by XXXX XXXX regarding my account number XXXX. After reviewing my credit reports from XXXX, XXXX, and Equifax, I discovered discrepancies in the information reported by the creditors.
As per the Fair Credit Reporting Act ( FCRA ), Section 1681e, creditors have a duty to provide accurate information, but in my case, XXXX XXXX failed to do so. They also violated Section 1681i, which requires them to correct and investigate inaccuracies, and Section 1681s-2, which outlines their duties as furnishers of information to consumer reporting agencies.
Furthermore, XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in false or misleading representations ( Section 807 ) and unfair practices ( Section 808 ). They also failed to validate my debts, which is a violation of Section 809.
Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312 requires the accuracy of consumer report information, and XXXX XXXX failed to comply with this provision. The Truth in Lending Act ( TILA ) Sections 1640 and 1641 were also violated by XXXX XXXX, as they failed to disclose required information and liability of assignees.
The Real Estate Settlement Procedures Act ( RESPA ) Section 2605 was violated by XXXX XXXX 's failure to adequately service my mortgage loans and administration of escrow accounts. Moreover, the Equal Credit Opportunity Act ( ECOA ) Section 1691 was violated by their discrimination against me.
Lastly, the Fair Credit Billing Act ( FCBA ) Section 1666 was violated by their failure to promptly correct billing errors.
XXXX XXXX I have found several violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) that I would like to bring to your attention.
According to my credit report from XXXX, Equifax, and XXXX, XXXX reported inconsistent and inaccurate information. For instance, XXXX and Equifax reported a high credit of {$600.00}, while XXXX reported {$0.00}. Additionally, XXXX and XXXX reported a credit limit of {$300.00}, but Equifax reported {$0.00}. This inconsistency has caused confusion and frustration for me, and I believe it violates Section 1681e of the FCRA, which requires creditors to provide accurate information to credit reporting agencies.
Furthermore, XXXX reported a Last Reported date of XX/XX/XXXX, but Equifax reported XX/XX/XXXX. This discrepancy also violates the FCRA, specifically Section 1681i, which requires creditors to investigate and correct any inaccuracies found in a credit report.
Moreover, XXXX reported that the account was " Charged off as bad debt Dispute resolved ; reported by grantor, '' while XXXX reported the account was " in dispute- now resolved - reported by subscriber. Unpaid balance reported as a loss by credit grantor, '' and Equifax reported " Charged off account Charge. '' These conflicting reports not only violate Section 1681e but also Section 1681g, which outlines the specific information that should be included in a consumer report.
In addition to these FCRA violations, I also found violations of the TILA. For example, XXXX, XXXX, and Equifax all reported different dates for the Last Active date, which is a clear violation of Section 1640. The inconsistency in the Last Active date has made it difficult for me to keep track of my credit history and has caused me undue stress.
XXXX XXXX XXXX XXXXXXXX I have reviewed my credit reports from XXXX XXXX XXXX XXXX and Equifax XXXX and there are several discrepancies that are negatively impacting my creditworthiness and financial wellbeing.
According to XXXX, the high credit reported bXXXX XXXX XXXX XXXX is {$3100.00}, while XXXX reports {$0.00} and Equifax reports {$160.00}. Additionally, XXXX and XXXX both report a credit limit of {$3000.00}, while Equifax reports {$0.00}. The last reported date also differs, with XXXX and XXXX reporting XX/XX/XXXX and Equifax reporting XX/XX/XXXX.
These discrepancies are in violation of several sections of the Fair Credit Reporting Act ( FCRA ), including Section 1681e ( Duty to provide accurate information ), Section 1681g ( Contents of consumer reports ), and Section 1681i ( Duty to correct and investigate inaccuracies ).
The inaccurate information being reported by XXXX XXXX XXXX is having a severe impact on my life. As a result of this negative information, I have been denied credit, including a car loan and a mortgage, which has prevented me from achieving my personal and financial goals. Additionally, the constant stress and anxiety caused by this situation have taken a toll on my mental health, affecting my relationships and ability to work effectively.
XXXX XXXX XXXXXXXX According to XXXX XXXX XXXX, the account type was listed as a loan, but Equifax did not report this information. Additionally, XXXX reported that the date opened was XX/XX/XXXX, while XXXX and Equifax listed it as XX/XX/XXXX. XXXX also reported a high credit of {$880.00}, while XXXX listed it as {$660.00}, and Equifax reported {$870.00}. Furthermore, XXXX listed the last reported date as XX/XX/XXXX, while XXXX and Equifax listed it as XX/XX/XXXX and XX/XX/XXXX, respectively.
According to XXXX, the account was charged off as bad debt, a profit and loss write-off, while the other two bureaus reported it as an unpaid balance reported as a loss by the credit grantor, and a charged-off account amount in high credit original charge-off amount.
These discrepancies have significantly impacted my credit score and have made it difficult for me to secure loans, credit cards, and other financial products. I have suffered great emotional distress as a result of the negative impact on my financial well-being.
The FCRA violations in this case include : -Section 1681b : Permissible purposes of consumer reports -Section 1681c : Requirements relating to information contained in consumer reports -Section 1681e : Duty to provide accurate information -Section 1681g : Contents of consumer reports -Section 1681i : Duty to correct and investigate inaccuracies -Section 1681s-2 : Duties of furnishers of information to consumer reporting agencies Specifically, I have found discrepancies in the reporting XXXX XXXXXXXX of my auto loan account by the three major credit reporting agencies : XXXX, XXXX, and Equifax. XXXX and XXXX report the account as an auto loan, but Equifax does not report it at all. Additionally, there are differences in the dates opened and the amounts past due reported by the different agencies.
These discrepancies have had a significant impact on my credit score, which has made it difficult for me to access credit and obtain favorable interest rates. This has had a direct impact on my ability to purchase a home and provide for my family.
I believe that the creditors have violated several sections of the FCRA, including Sections 1681c, 1681e, 1681g, and 1681s-2. These violations have caused significant harm to my credit profile and have resulted in inaccurate and incomplete reporting to the credit bureaus.
XXXX XXXX I believe that these creditors have violated several laws, including Section 1681c, 1681e, 1681g, 1681i, and 1681s-2 of the Fair Credit Reporting Act ( FCRA ).
Specifically, these creditors have provided inaccurate and inconsistent information to the credit reporting agencies, which has had a significant impact on my credit score and financial well-being. As a result of these inaccuracies, I have been denied credit and have had to pay higher interest rates on loans and credit cards.
For example, XXXX XXXX has reported a past due amount of {$950.00} on my credit report with Equifax, while XXXX reports a past due amount of {$1100.00}. Additionally, XXXX has reported a student loan as a collection account, even though I have made all payments on time and in full. Finally, XXXX has reported inconsistent dates of account opening, last reported date, and date last active across multiple credit reporting agencies, as well as providing inconsistent information about the type of account and the status of the account.
XXXX XXXX and XXXX. I believe that they have violated several sections of the Fair Credit Reporting Act.
According to XXXX and XXXX credit reports, XXXX has reported that I was 120 days late on XX/XX/XXXX. However, I have not missed any payments on this account. Additionally, XXXX has reported a different date opened than XXXX for the same account.
Furthermore, XXXX has reported a high credit balance of {$750.00}, while XXXX has not reported any high credit balance for the same account.
In the case of XXXX, there are discrepancies in the reporting of the opening date, last reported date, and charged-off status of the account across multiple credit reporting agencies.
These inaccuracies have greatly affected my life. As a result of these errors, my credit score has been negatively impacted, making it difficult for me to obtain loans or credit cards. This has caused me significant stress and anxiety, as I have been unable to obtain the financing necessary to pay for important life events, such as a new car or a down payment on a house.
I am requesting that XXXX and XXXX immediately remove these unverified collection accounts from my credit report. I also ask that you enforce the legal requirements of the Fair Credit Reporting Act, including Sections 1681c, 1681e, 1681g, 1681i, and 1681s-2, to ensure that accurate information is reported on my credit report.
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) with the account number XXXX. I have noticed inconsistencies in the dates provided by XXXX and Equifax, which have resulted in inaccurate information being reported on my credit report.
According to XXXX, the Date Opened for this account is XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. Similarly, XXXX is reporting the Last Reported date as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. Additionally, XXXX reports that the Date Last Active is XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX.
These inconsistencies are a violation of Section 1681c and Section 1681g of the Fair Credit Reporting Act ( FCRA ), which require that consumer reports contain accurate and complete information about the dates of account opening, last reported date, and date last active.
XXXX XXXX regarding account # XXXX. According to my credit report from XXXX, the payment status is listed as Collection/Chargeoff. However, I have never received any notification from XXXX XXXX regarding this collection/chargeoff account, and they have never provided me with any documentation or paperwork. Additionally, the other two credit bureaus are not reporting any negative information on my account.
Furthermore, I believe that XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by falsely representing the character, amount, or legal status of the debt. Specifically, they have not provided me with a validation notice as required by Section 1692g ( a ) of the FDCPA within five days of their initial communication with me. This notice should include the amount of the debt, the name of the creditor, and a statement explaining my rights to dispute the debt.
Additionally, XXXX XXXX is violating Section 1681c of the Fair Credit Reporting Act ( FCRA ) by reporting a collection/chargeoff status without providing proper notification or documentation. This is causing significant damage to my credit score and is affecting my ability to obtain credit, which has had a profound impact on my life.
XXXX XXXX, the debt collector for XXXX. I have noticed several inconsistencies in the information reported by XXXX and XXXX regarding the account number XXXX.
Firstly, XXXX reported that the date opened for this account was XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX. Moreover, the date last active for this account was reported as XX/XX/XXXX by XXXX, while XXXX reported it as XX/XX/XXXX. In addition, XXXX reported that the account information was disputed by me, while XXXX reported it as customer disputed account - reported by subscriber. These inconsistencies raise serious concerns about the accuracy of the information reported by these credit bureaus.
Furthermore, I believe that XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by using unfair means to collect or attempt to collect the debt. The inconsistent information on my credit report has caused me significant distress and anxiety, and has negatively affected my ability to secure loans, credit cards, and even employment.
I have reviewed the credit reports from XXXX, Equifax, and XXXX and found multiple errors that violate federal law.
The account in question is with XXXX XXXX, the original creditor being XXXX XXXX, with an account number of XXXX. The date opened on XXXX and Equifax is XX/XX/XXXX and on XXXX, it is XX/XX/XXXX. Additionally, the last reported date on XXXX and Equifax is XX/XX/XXXX, while it is XX/XX/XXXX on XXXX. Furthermore, the last active date on XXXX is XX/XX/XXXX, while it is XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax. These inconsistencies violate Section 1681c and 1681g of the Fair Credit Reporting Act ( FCRA ).
I am deeply affected by these errors as they are affecting my ability to access credit and loans. I have been denied credit due to these errors, and this has caused me significant financial distress. I have been struggling to pay for basic necessities, such as rent and utilities, and it has affected my mental health as well. These errors have caused me undue stress and hardship, and I am requesting immediate action to be taken.
Therefore, I request that XXXX XXXX removes this unverified collection account from my credit report, as it is a violation of the FCRA. I also request that you investigate this matter and enforce the legal requirements under Section 1681c and 1681g of the FCRA. I trust that you will take swift action and resolve this matter as soon as possible.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles.
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.
I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately!
THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX , la XXXX Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
Might it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
ii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
viii ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented
evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise se
quenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
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03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
XXXX XXXX XXXX : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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03/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by
my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. Likewise, these COLLECTION ACCOUNTS a re also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now
reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing in accordance with the Fair Credit Reporting Act. The following information that appears on my Equifax report from XX/XX/XXXX is directly violating my right to privacy. The following information details the infractions incurred : XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Charge account with account XXXX XXXX opened on XXXX and a balance of {$0.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4100.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Credit Card with account # XXXX opened on XXXX and a balance of {$810.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$440.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$890.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX, XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$600.00}.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX account from XXXX XXXX with account # XXXX and a balance of {$400.00}. The original creditor is XXXX XXXX.
By the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the writing more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
I personally signed and sent this letter.
Sincerely, XXXX XXXX
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11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX XXXX Police Department. I, ve also mailed in certified letters to XXXX Certified mail receipt code ( XXXX XXXX XXXX XXXX XXXX XXXX ). I received nothing. I'm also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last XXXX digits of my social security number, at that point I saw that my information was compromised due to XXXX security breach.The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) He notice several instances where XXXX are in non-compliance with the XXXX. Im a victim but yet Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they have to do so under the XXXX.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that XXXX will be reinserting an item on my credit report in writing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX results in {XXXX} fine. As XXXX has violated the XXXX XXXX has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the XXXX section XXXX. I plan of taking full legal action if accounts are not removed by XXXX XXXX days from todays date ). On XX/XX/XXXX *****only correct name on credit report should be spelled as followed ( XXXX XXXX XXXX Any other name or mispelling should be removed immediately.
***** ( FRAUDULENT ACCOUNTS ) ***** XXXX.XXXX XXXX XXXX {XXXX Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {XXXX} Account number XXXX Account status Closed Date opened XX/XX/XXXXXXXX XXXX.XXXX XXXX XXXX} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX {XXXX Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX ***** ( FRAUDULENT INQUIRIES ) ***** XXXX XXXX XXXX Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Agencies Inquiry date : XX/XX/XXXX These individual are all apart of our lawsuit and will be named individually in our case. The XXXX clearly states XXXX days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the XXXX XXXX XXXX XXXX concerning my case.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX well aware of my rights as a consumer. The XXXX XXXX XXXX XXXX requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states According to the XXXX XXXX XXXX XXXX XXXX, Section XXXX ( XXXX ) Block of information resulting from identity theft.
XXXX. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX ( XXXX ) business days after the date of receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the XXXX XXXX XXXX XXXX website, XXXX
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section XXXX of the XXXX XXXXXXXX U.S.C XXXXs-XXXX. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the XXXX is available at the website of the XXXX XXXX XXXX XXXX ( XXXX ) : XXXX. A list of tile sections of tile XXXX cross referenced to the .U.S Code is at the end of this document.Section XXXX imposes the following duties upon furnishers : Accuracy Guidelines. The XXXX requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at XXXX Section XXXX ( XXXX ). General Prohibition on Reporting Inaccurate Information The XXXX prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to XXXX or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within XXXX days ( or XXXX days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section XXXX ( XXXX XXXX XXXX XXXX ). Federal regulations are available atXXXX. Section XXXX XXXX XXXX XXXX XXXX XXXX ) Duties After Notice of Dispute from XXXX XXXX XXXX If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Complete the above steps within XXXX days from the date the CRA receives the dispute ( or XXXX days, if the consumer later provides relevant additional information to the CRA ).
Section XXXXXXXX XXXX XXXX XXXX XXXX XXXX ).
Promptly modify or delete the information, or block its reporting. Section XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to XXXX or more CRAs must report this fact when .it provides information to XXXX for the time period in which the account was closed. Section XXXX XXXX XXXX XXXX ( XXXX ).
Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within XXXX days after reporting the information, provide the CRA XXXX the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section XXXX XXXX XXXX XXXX XXXX XXXX ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section XXXX XXXX XXXX XXXX XXXX XXXX ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the XXXX by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section XXXX ( XXXX XXXX XXXX XXXX ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section XXXX XXXX XXXX XXXX, must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section XXXX ( XXXX XXXX XXXX XXXX ). The XXXX has prescribed model disclosures, XXXX XXXX XXXX XXXX XXXX XXXX
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the XXXX and must notify all CRAs to which it reports of this fact. Section XXXX ( XXXX XXXX ( XXXX ). This notice will enable CRAs to comply with their duties under Section XXXX XXXX XXXX XXXX when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section XXXX ( XXXX XXXX ( XXXX ). When any : furnisher of information is notified pursuant to the procedures set forth in Section XXXXXXXX that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX ). The XXXX website, XXXX has more information about theXXXX, including publications for business and the full text of the XXXXCitations for XXXX sections in the U.S. Code, XXXX XXXX XXXX XXXX XXXX : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within XXXX ( XXXX ) business days. This is clearly an identity theft issue.
I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
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12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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There is a child support account reporting on my credit report.
Account name CHILD SUPPORT ENFORCEM Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. Also I did not authorize this company to access my credit file nor is this account associated with an credit transaction involving myself.
My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
On the Transition website I found information regarding this reporting error and it stated Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
In accordance with the written instructions of the consumer to whom it relates.
To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account.
In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
Conditions for furnishing and using consumer reports for employment purposes.
Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if the person who obtains such report from the agency certifies to the agency that the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable; and information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ].
Disclosure to consumer In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
Conditions on use for adverse actions.
In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- a copy of the report ; and a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
Application by mail, telephone, computer, or other similar means.
If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 615 ( a ), within 3 business days of taking such action, an oral, written or electronic notification -- that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumer 's request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumer 's rights as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
Exception for national security investigations.
In general. In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that -- the consumer report is relevant to a national security investigation of such agency or department ; the investigation is within the jurisdiction of such agency or department ; there is reason to believe that compliance with paragraph ( 3 ) will -- endanger the life or physical safety of any person ; result in flight from prosecution ; result in the destruction of, or tampering with, evidence relevant to the investigation ; result in the intimidation of a potential witness relevant to the investigation ; result in the compromise of classified information ; or otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
Notification of consumer upon conclusion of investigation. Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made -- a copy of such consumer report with any classified information redacted as necessary ; notice of any adverse action which is based, in part, on the consumer report ; and the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
Delegation by head of agency or department. For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
Report to the congress. Not later than January 31 of each year, the head of each agency and department of the United States Government that exercised authority under this paragraph during the preceding year shall submit a report to the Congress on the number of times the department or agency exercised such authority during the year.
Definitions. For purposes of this paragraph, the following definitions shall apply : Classified information. The term `classified information ' means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.
In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if the consumer authorizes the agency to provide such report to such person ; or the transaction consists of a firm offer of credit or insurance ; the consumer reporting agency has complied with subsection ( e ) ; and there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumer 's name and address excluded from lists of names provided by the agency pursuant to this paragraph.
Limits on information received under paragraph ( 1 ) ( B ). A person may receive pursuant to paragraph ( 1 ) ( B ) only the name and address of a consumer ; an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
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02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
Yes on about the beginning of XX/XX/XXXX I noticed the fluctuation and unusual and unauthorized activities on my organization and or personal accounts. Now due to past interactions and gaps over the course of my life between the ages of XXXX to XXXX and due to the fact that my identity was stolen on or about the years XXXX and I reported to the FTC the identity theft I was wrongly accused of submitting my claim in the untimely fashion after I submitted over {$10000.00} in receipts to the master policy for reimbursement during a situation where 4200 apartments wrongfully and unlawfully locked me out of my home put a false eviction on me to facilitate the ejection of me from my home with fraudulent eviction papers that were manufactured falsely using the judge 's signature in order to procure property that was mine legally lawfully and in all liquidy took themto court filed a claim against them with XXXX, they lost, THROUGH fraudulent LISTING METHODS THEY WERE ABLE TO USE WHILE I CALL IT CRIME TO FISH ME OUT OF MY LIVING SITUATION ILLEGALLY ON FALSE PRETENSES ON TOP OF THAT THE FTC SUBMITTED ME PAPERWORK THROUGH TO XXXX XXXX CYBER CRIME MANAGER FOR REVIEW. SO SOMEHOW DESPITE ME BEING THE CONSUMER ME TAKING THE LANDLORD TO COURT XXXX XXXX AND LANDLORD LOSING TRYING TO EVICT ME I NEVER WAS EVICTED I GOT GRANTED TO STAY BY THE JUDGE PENDING FURTHER ACTION FURTHER ACTION NEVER CAME XXXX THE XXXX AND EVERY OTHER FORCE AND ENTITY WERE ABLE TO ILLEGALLY XXXX ME AND PROCURE THE PROPERTY UNBEKNOWNST TO THE JUDGE. AT THAT POINT I LOST FAITH IN THE SYSTEM AND LOST FAITH IN GETTING MY INFORMATION TO ANYONE AND I STAYED OFF OF THE RADAR OF ANY CREDIT SOURCES OR ANY FORMS OF CONSUMER TRUST. FAST FORWARD TO NOW AFTER THIS and my INFORMATION NOW BEING AVAILABLE AND USED BY SAID, FRAUDULENT ACTIVITIES, AND other PEOPLE I BEGAN TO UTILIZE MY CREDIT upon release from prison AGAIN. AFTER I BEGIN TO WORK WITH MY ORGANIZATION CHEF XXXX XXXX XXXX AT XXXX XXXX XXXX. THE SAME ACTIVITIES BEING OCCUR AND I BEGIN TO NOTICE STRANGE THINGS BEGIN TO NOTICE LENDERS WERE RETAINING MY INFORMATION AND USING IT IN INACCURATE FORMS UPON CHECKING MY CREDIT REPORT ONE DAY THROUGH XXXX EQUIFAX XXXX AFTER BEING DECLINED OR DISPUTING A NON CREDIT APPROVAL ON MY ALREADY GROWING GOOD CREDIT THIS UPROOTED POTENTIAL PROBLEMATIC SOURCES WITHIN MY FILE SUCH AS ADDRESSES I'VE NEVER LIVED AT, BILLS THAT I'VE NEVER SEEN WITH CREDITORS, I'VE NEVER DEALTvWITH AND OR FINANCIAL COMPANIES. I THEN PLACED A FREEZE ON MY REPORTS THROUGH THE THREE BUREAUS AND A FRAUD ALERT THE FRAUD ALERT LED TO ME BEING ABLE TO SEE MORE ALERTS WHICH LED TO MULTIPLE SOURCES OF BLACKWEB AND DARK WEB INFORMATION OF MINE MY FAMILY IS MY BUSINESS MY PHONE NUMBERS MY EMAIL ADDRESSES AND MY IDENTITY ALL COMPROMISED IN VARIOUS WAYS OF SOURCES AND THEN TO TOP THAT OFF XXXX XXXX A GLOBAL PLATFORM SENT ME A DOCUMENT STATING THEY ARE SORRY FOR A XXXX BREACH OF ALL MY INFORMATION INCLUDING FINANCIAL BIRTHDAY LICENSE INFORMATION AND ALL OTHER VARIABLE INFORMATION TO IDENTIFY ME TO AN UNKNOWN AMOUNT OF SOURCES AND OFFERED ME CREDIT PROTECTION THERE WAS NO PROTECTION THIS WAS AN INSIDE GAME TO GET FURTHER INTO MY LIFE TO GET FURTHER IN XXXX TO FURTHER SABOTAGE MY CREDIT MY SOCIAL SECURITY NUMBER MY STRAW NAME MY ENTITY MY VALUE AND MOST OF ALL THE FAME AND DEMOTE MY INTELLECTUAL PROPERTY AND USED VARIOUS OTHER FINANCIAL BUREAUS AND SUPPOSED TO SECURE SERVICES AND OR PRIVATE ARRANGEMENTS TO FURTHER INJURE ENDURE OR PROCURE ANY OF MY VIRTUOUS AND PROSPEROUS GROWTH OR ANY OF MY POTENTIAL POSITIVE BENEFIT ON THE PLANET SO INSTEAD OF FIXING MY REPORTS OR HANDLING THE BUSINESS THAT THEY WERE INSTRUCTED TO HANDLE BY THE FTC IN A SITUATION WHERE CONSUMERS LIFE IDENTITY AND WHOLE CREDIT SYSTEM THAT HAS BEEN COMPROMISED ON CERTAIN VARIOUS LEVELS AND THEN BEGIN TO FURTHER SELL MY INFORMATION FURTHER ADVERTISING AND FURTHER ENDURE OR BRUISE MY ALREADY QUESTIONABLE ACCOUNTS DUE TO NO FAULT OF MY OWN SO FAILURE TO ERASE FIX OR REPLACE IMPROPER INFORMATION THEY BEGIN TO ADD THAT ON FURTHER AND FURTHER AND THEN PUT A FRAUD TAG ON ME, instead of fraud alert as a remedy INSTEAD OF FIXING.NOW THAT THE PROBLEM HAS POWERED OUT OF CONTROL AND THE PROOF HAS BEEN SHOWN TO ALL IN ANY RELEVANT ENTITIES THESE COMPANIES ARE STILL NOT ERASING IT, THE INVALUABLE INFORMATION OR THE UNTRUE INFORMATION EVEN AFTER POLICE REPORTS AND EVEN AFTER BEING SHOWN FTC PAPERS THEY ARE STILL INSINUATING FRAUD, AS AN IF THESE ARE NOT REAL DOCUMENTS INSTRUCTING REAL ACTIVITIES SO I'M STILL IN A SITUATION WHERE I BEing MISTREATED AND DEVALUED AND STILL BEING SUBJECTED TO DEFAMATION OF CHARACTER STEREOTYPES AND ALL OTHER UNETHICAL METHODS OF TREATMENT FOR CONSUMER RELATIONS. COMPANIES WERE ASKED TO SUBMIT ME ALL USER INFORMATION ON MY STRONG NAME AND ON MY SOCIAL SECURITY NUMBER IN ORDER TO FIX OR REPLACE DAMAGED INFORMATION THEY ARE STILL REFUSING AND THERE IS A CURRENT CLAIM OUT ON THE MASTER Policy. IVE NEVER BEEN INVOLVED CONVICTED OR ATTACHED TO ANY INSURANCE FRAUD EVER IN MY LIFE, AGAIN AND I AM JUST ATTEMPTING TO GET THESE CREDIT BUREAUS TO REMOVE ALL DEROGATIVE OR ADVERSE INFORMATION FROM MY ACCOUNTS AND SUBMIT IT SO THAT I CAN BE PAID OUT ON MY CLAIMS AND ARRANGE FOR NEW ACCOUNTS TO BE OPEN UNDER A CORRECT PROFILE WITH NO ADVERSE INFORMATION I'M SEEKING THE ASSISTANCE OF THE CONSUMER FINANCE BUREAU TO FACILITATE THESE BUREAUS EXPERION, XXXX, EQUIFAX IN DISPERSING THESE FILES ON ME AND THEN ALL THE ENTIRETY TO MY ORGANIZATION XXXX IN ORDER TO SECURE CREDIT FILES REPORT FROM THIS POINT FORWARD AND MAKE SURE THAT THEY'RE ALWAYS USED IN THE PROPER AND APPROPRIATE METHOD EVEN TO THE EXTENT OF ISSUING A NEW SOCIAL SECURITY NUMBER DUE TO THE LARGE AMOUNT OF ABUSE ATTACHED TO MY SOCIAL SECURITY NUMBER OR ME REVERTING MY TI MY TAX IDENTITY NUMBER OR MY SOCIAL INTO MY EIN TEMPORARILY UNTIL IT'S ALL FIXED AND WE USE MY EIN AS MY VERIFIED SOCIAL OR NUMBER TO IDENTIFY ME THAT WAY WE CAN CONTOUR AND CONTROL AND CURVE MISUSE OF MY ENTITY IN MY NAME AND ALL FORMS LESS ME OR MYSELF BE USING IT. THEY WERE SUPPOSED TO FIX THIS PROBLEM IN XXXX AND GET ME A NEW IDENTITY SUCH AS NEW LICENSE NEW LICENSE NUMBER THAT WAY WE CAN NO LONGER HAVE TO DEAL WITH THE OLD SITUATION CURRENTLY THE PERSON WHO STOLE MY ID WHICH WAS DATED XXXX ISSUE AND EXPIRES IN XXXX I HAVE NOT HAD MY ID LICENSE IN NEVADA ANYTHING SINCE XXXX AND REFUSAL TO MAKE IT FROM ALL DEPARTMENTS EVEN THE DMV EVEN PER FTC REQUIREMENTS WHICH IS WHY ALL THESE YEARS I STILL HAVE NOT HAD A NEW LICENSE/ID/ANYTHING FROM NEVADA SO HOPEFULLY WE CAN GET THIS COMPLETED AND DONE THIS SO THAT FROM THIS POINT ON NO ONE ELSE CAN USE MY IDENTITY WHICH HAS BEEN LOOSE OPEN AND USED FREELY BY THE STOLEN IDENTITY THAT I TOLD THE DMV TO CANCEL 7 YEARS AGO ALMOST, TO PROCURE OR CURVE ANY MORE FURTHER USE. THIS SAME SAID IDENTITY I DO NOT HAVE OR ID I DO NOT POSSESS AND HAVE NOT SEEN, AND REPORTED STOLEN TO ALL VERIFIABLE SOURCES EVEN THE XXXX XXXX XXXX WHO WOULD NOT GIVE ME THE FOOTAGE OF THE PERSON WHO WENT AND DID A PLAYER 'S CARD WITH MY NAME USING MY IDENTITY AND USING THAT TO PROCURE A PLAYERS CLUB ACCOUNT SECURITY REFUSE TO GIVE ME THE FOOTAGE OF WHOEVER CAME IN AND USED MY ID AND WHO MIGHT STILL HAVE MY IDEAS STILL BE USING IT FOR VARIABLE AND VARIOUS THINGS SO THEREFORE THIS IS IT FINAL AND HOPEFULLY BENEFICIAL COMPLAINT IN ORDER IN STOPPING THE USE OF MY OLD STOLEN ID / LICENSE AND ANY OTHER VERIFIABLE INFORMATION OF MINE SO THAT I CAN NOW MOVE ON WITH MY LIFE AND MY SITUATION IN MY BUSINESS AND NOT HAVE TO WORRY ABOUT SOMEONE ELSE BEING IMPERSONATING OR TRYING TO USE ME MY IDENTITY OR MY ACCESS OR VALUES IN A ILLICIT OR UNAUTHORIZED MANNER SO TO EXPLAIN WHY I STILL DO NOT HAVE PROPER NEVADA LICENSE / ID BECAUSE I WAS REFUSED BY ALL SOURCES AND I ONCE AGAIN WHO STILL THE VICTIM 8 YEARS LATER HAVE NOT HAD A " BRAND NEW ID '' they keep saying the old one is valid, NOT IF I REPORTED IT STOLEN ALMOST A DECADE AGO LESS THE PRISON ID I WAS ISSUED WHEN I WAS RELEASED A XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM PRISON I HAVE NOT COMMITTED A FELONY OR A CRIME IN ALMOST 7 YEARS I HAVEN'T BEEN CONVICTED OF A FELONY OR A CRIME IN OVER 10 AND YEARS I SHOULD NOT BECAUSE OF A CONVICTION XXXX TO XXXX YEARS AGO STILL BE SUBJECTED TO ALL THIS MISTREATMENT JUST BECAUSE OF A CHANGING PAST AND THE FACT THAT I'M A EX-FELON WHICH IS IRRELEVANT OR IN NO WAY RELEVANT TO MY CURRENT PATH. SO ALL I'M ASKING IS FOR THESE COMPANIES OR THE THREE BUREAU CREDIT REPORTING AGENCIES AND ALL THEIR AFFILIATES AND THEM IN DERIVATIVES EJECT INFORMATION DEROGATORY FROM MY REPORT AND PROPER AND PERSONAL INFORMATION AND ADDRESSES REPLACE IT WITH THE PROPER INFORMATION AND STIPULATE IN ALL ACCOUNTS CUSTOMER INFORMATION IS SENSITIVE HAS BEEN VICTIMIZED AND VICTIM OF IDENTITY THEFT FOR OVER XXXX TO XXXX YEARS AND PLEASE TREAT HIS FILE WITH THE MOST CARE FOR THE REST OF MY LIVING LIFE I JUST DO NOT LIKE HAVING TO DEAL WITH AND BE SUBJECTED TO UNFAIR UNETHICAL TRADE PRACTICES TREATMENT METHODS DECEPTIVE SALES METHODS AND ANY OTHER METHODS THAT THESE COMPANIES ARE DOING IN ORDER TO IN INJURE AND OR DAMAGE ME MY ENTITY MY CREDIT AND MY FAMILY 'S CREDIT UNDER FALSE PRETENSES OR OUT OF HATE PREJUDGMENT OR ANY OTHER INEFFECTUAL BIAS I'M CURRENTLY NOW TRYING TO FIX ALL THIS WITH ALL COMPANIES AND MAILING OUT THE INFORMATION IN TEMPLATES THAT WAS GIVEN TO ME IN MY MASTER PACKET FOR MY MASTER POLICY CLAIM THERE WILL BE OTHER COMPLAINTS COMING BECAUSE UNFORTUNATELY THIS IS COMING FROM ALL SOURCES AND LIKE YOU SAID YOU'RE HERE TO IDENTIFY WHERE CONSUMERS ARE BEING WRONGED WRONGFULLY TREATED HOW WHEN WHERE WHY AND FOR WHAT PURPOSES SO YOU CAN IDENTIFY AND FIX THESE ISSUES FOR A FUTURE GENERATIONS AND PEOPLE AND UNFORTUNATELY YOU WOULD BE AMAZED BUT IT'S COMING FROM EVERYWHERE FROM EVERYONE NOT ONE PERSON IS ACTING IN ACCORDING TO LAW GUIDELINES FCC REPORTING LINES FCC GUIDELINE LAWS AND ALL OF THEM ARE SELLING TRADE SECRETS TO EACH OTHER AND THEY ARE IN CLOSE CONTACT WITH EACH OTHER ALL PURPOSELY UNITING UP TO SABOTAGE ME IN ORDER FOR ME TO NOT HAVE WHAT'S RIGHTFULLY MINE AS A RIGHTFUL CONSUMER LAWFULLY, LEGALLY, AND RESPECTFULLY. I WILL BE REPORTING OTHER ENTITIES AND THEIR SELECTED CATEGORIES AS I GO THERE'S GOING TO BE MORE THAN ONE COMPLAINT SO PLEASE DO NOT THINK THIS AND THIS IS SOME FORM OF FRAUD OR FAKING OR MISUSE OF YOUR SERVERS AND SEARCH ENGINES THEN IT'S JUST SO MUCH GOING ON THAT I HAVE TO SINGLE-HANDEDLY ISSUE EACH DEPARTMENT OF EACH PEOPLE AND COMPLAINTS SO THAT YOU CAN SINGLE-HANDEDLY AND EFFECTUALLY HANDLE EACH DEPARTMENT BE AWARE THAT THEY'RE GOING TO TRY TO ATTEMPT TO MANEUVER DIVERT XXXX OR SHIFT THE ATTENTION OF YOUR QUESTIONS TO DIVERT HAVING TO SHOW WHERE THEY BLATANTLY MISUSED, MISHANDLED, OR DID NOT FIX WHAT COULD HAVE BEEN FIXED IN MY REPORT OR IN MY SITUATIONS IN A TIMELY MATTER TO AVOID ME SUFFERING FROM FALSE ACCUSATIONS AND STEREOTYPES AND INNUENDOS.
SO ALL IM SAYING IS THAT ALL THREE OF THESE CREDIT BUREAUS XXXX XXXX AND EQUIFAX CEASE AND DESIST WITH THE SELLING OF MY INFORMATION MY CREDIT PROFILES AND IDENTIFYING INFORMATION TO ANYTHING. IDENTIFYING TO MY CONSUMER, USES WITHOUT MY EXCLUSIVE CONSENT, AND GIVING PERMISSIONS ON A CASE-BY-CASE LENDER BY LENDER AND PRODUCT BY PRODUCT ONLY MANNER. AND THAT ANY OF THESE COMPANIES THAT ARE CAUGHT USING OR BEING DECEPTIVE OR USING MY PERSONAL AND CREDIT INFORMATION IN UNAUTHORIZED MANNERS BE SUBJECT TO CRIMINAL ACTIONS. AND THAT ALL INFORMATION COMING FORTH AT THIS POINT FROM THIS POINT YOU USE IN MY NAME AND MY ENTITY BE ACCURATE AND TRUE IN ALL FORM, OR PERSON, OR PLACES OR THINGS OR BUSINESSES SHOWING AND PROMOTING SUCH INFORMATION BE SUBJECT TO PERJURY CHARGES TO THE HIGHEST LEVEL OF THE COURTS and that they reverse report for funds or replace funds for accounts that were closed unlawfully because of false information and for all over charges and late fees in connection with any accounts that were reported falsely by these bureaus in it an event to sell purchase or supplement for facilitate in gaining or benefiting from selling false or inaccurate information on my credit report. Treat my name and my report and all my personal and business files with the highest level of security possible due to the multiple breaches and uses of my information by both businesses and lenders unlawfully in order to benefit our gain through their own vices or methods and that I'll be provided a free agent personal agent from each bureau XXXX XXXX and Equifax to handle all relevant creditors files and financial documents that I will be opening establishing or have already had established and keeping all these services and lines of credit and or business services functioning fundamental and secure so that this doesn't never happen again. And that according to the Fair credit reporting act in federal regulations and guidelines no creditor or company lender or funding services or money lending services or any services be allowed to endure or hold one liable for any credit services that are over 7 years old in debt that are in collection for over 7 years still attempting to receive or attain any form of collection according to the statute of limitations on creditors lenders and the amount of time available to seek collections before closed by mandatory audit and deleted from credit profiles and history and all files. And that all companies doing this be subject to fines and/or civil action from plaintiff or defendant person defending their Identity. And that each credit bureau send out to all financial Bill services involved with me and their past lenders or creditors that my credit report is clean accurate and secure and that it is free to do good business with XXXX XXXX XXXX XXXX formally XXXX XXXX XXXX before my son XXXX XXXX XXXX XXXX was born. And in a timely fashion please because I have been waiting over 7 years for this recovery process to be fully initiated by no fault of my own.
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11/19/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear Equifax, I am writing in response to a failure to validate on multiple accounts, copy is enclosed.
I sent XXXX XXXX and XXXX Account System ( XXXX ) a letter through XXXX explaining that I do not believe I owe what they say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I will attract a copy of the letter to this letter.
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt.
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }.
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA.
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXXXXXX XXXX XXXX XXXX.
Signature here XXXX XXXX I have the response but no validations on the accounts, nothing was sent to me in the mail or email.
XX/XX/XXXX : My request through CFPB : In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.FRONTIER Original creditor ( 2 accounts ... continue to open and close on each credit bureau, as well as the dates are not the same, continue to change, I have disputed this account multiple times. Spoke with XXXX XXXX, Equifax and XXXX. It is still on my account. ) Their responds : The debt ( s ) in question are for the balances owed on a XXXX bill for service provided through XX/XX/XXXX and unreturned equipment. The account was placed for collections on XX/XX/XXXX. XXXX XXXX XXXX has a balance of {$190.00} for service and XXXX XXXX XXXXXXXX {$100.00} for unreturned equipment. An initial collection notice was mailed to you to the address provided. XXXX XXXX XXXXXXXX did send notices to you prior to and after the account had reported to the credit bureau agencies. The original creditor typically sends XXXX bills prior to being placed in collections. We made several attempts to work with you to come up with an amicable agreement/arrangement for repayment. You refused to provide an updated address in XXXX so validation can be sent. The consumers permission to report to the credit bureaus is not required. Validation of debt ( s ) has been mailed today to the address provided in his complaint.
( I received no validation ) Collection : Request and response with nothing sent to me as a validation, XX/XX/XXXX YOUR COMPLAINT In accordance with the Fair Credit Reporting Act : Account Name : XXXX XXXX, Account Number : XXXX has violated my rights ; I, XXXX XXXX, as a consumer, living man, and XXXX of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), the term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to FCRA/15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, I do not give permission for any credit reporting agency nor have given written instruction for XXXX & XXXX and any associated accounts to furnish any alleged debt on my consumer reports, especially XXXX that is hearsay evidence, negative, adverse, and discriminatory, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person XXXX XXXX and all credit reporting agencies must adhere to my consumers right to privacy. Per 15 USC 1681a ( e ), The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All credit reporting agencies are mandated by federal law to verify consumer information by issuing an investigative consumer report that adheres to 15 USC 1681a ( e ). My wife has tried to resolve this but they said they will not send information to a third party which is strange because a " third party '' is trying to collect money from an account that is not mine. Please look in to this. Thank you XXXX. XXXX Acct # XXXX This response is in relation to CFPB Complaint ID XXXX submitted on behalf of XXXX XXXX XXXX We at XXXX XXXX XXXX XXXX ( XXXX ) take our consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions. I personally conducted a full file review and believe the following information will address the issues and concerns set forth in the complaint. The account in question is the result of emergency physicians ' services provided on XX/XX/XXXX at XXXX Florida XXXX XXXX XXXX by the XXXX XXXX XXXX XXXX. Prior to credit reporting, our office sent XXXX XXXX notification of the debt in an electronic communication. The notification was sent on on XX/XX/XXXX. In accordance with Regulation F, the account was monitored for a minimum of XXXX days to allow for notice of deliverability issues with that email. No undeliverability notice was received to indicate an issue. On XX/XX/XXXX, our office received a notice from the credit bureaus the consumer was disputing the debt. In response to the dispute, XXXX XXXX XXXX XXXX conducted a reasonable investigation, obtaining verification of the debt in the process, and confirmed the accuracy of the information being credit reported. The supporting document was forwarded to the consumer on XX/XX/XXXX. The Fair Credit Reporting Act ( FCRA ) provides written instruction by which information can be credit reported. A review of the file found that XXXX XXXX XXXX XXXX acted in compliance with the requirements imposed by Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I hope my response has addressed the issues and concerns as set forth in the complaint. We will continue to note the account as disputed and thank you for the opportunity to respond to Complaint XXXX. Sincerely, XXXX XXXX, XXXX XXXX. **This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter-certified signature requests. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
The FCRA requires you to verify the validity of the item within XXXX days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
Collection : Request and response with nothing sent to me as a validation, XX/XX/XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.FRONTIER Original creditor ( XXXX accounts ... continue to open and close on each credit bureau, as well as the dates are not the same, continue to change, I have disputed this account multiple times. Spoke with XXXX XXXX, Equifax and XXXX. It is still on my account. ) Their response : The debt ( XXXX ) in question are for the balances owed on a XXXX bill for service provided through XX/XX/XXXX and unreturned equipment. The account was placed for collections on XX/XX/XXXX. XXXX XXXX XXXXXXXX has a balance of {$190.00} for service and XXXX XXXX XXXXXXXX {$100.00} for unreturned equipment. An initial collection notice was mailed to you to the address provided. XXXXXXXX XXXX XXXXXXXX did send notices to you prior to and after the account had reported to the credit bureau agencies. The original creditor typically sends three bills prior to being placed in collections. We made several attempts to work with you to come up with an amicable agreement/arrangement for repayment. You refused to provide an updated address in XXXX so validation can be sent. The consumers permission to report to the credit bureaus is not required. Validation of debt ( s ) has been mailed today to the address provided int his complaint.
ADDITIONAL COMMENTS This company stated that my account was adequately investigated but How is that possible? I never received anything in the mail nor any phone calls. I never gave this company any permission to send any of my information to any other company. They have XXXX account charges on my credit report. The account XXXX : The last report is inaccurate, all the bureaus have different comments, the last date is inaccurate, Account Status is inaccurate. On the second account, XXXX doesn't even acknowledge that its an actual account the last date is inaccurate, the last date is inaccurate. So I'm just a little confused right now on what's really going on. I just now these accounts are effecting my life and consumer report... 15 U.S.C. 1681 section 602 A : states That I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : States A consumer report agency can not furnish an account without my permission. I have spoken to the credit bureaus and not XXXX of them furnished me with any statement showing the creditor 's account in my name.
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes ADDITIONAL COMMENTS So I believe this company has violated my rights in multiple ways. Correct??? According to the law 15 U.S.C. 1681 ( A ) ( 1 ) Any actual damages sustained by the consumer as a result of the failure or damages of less than {$100.00} and not more than {$1000.00} I want XXXX XXXX dollars per violation or completely removed from all accounts within a timely manner. Thank you for your time. Have a wonderful day.
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No
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04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENT ( S ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The inquiry was not authorized XXXX XXXX Bank Usa Date of inquiry XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. The inquiry was not authorized XXXX XXXX FINANCE Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
18. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
19. The inquiry was not authorized XXXX XXXX FINANCE Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
22. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
23. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
24. The inquiry was not authorized XXXX XXXX CRE Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
25. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
26. The inquiry was not authorized XXXX XXXX CRE Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
27. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
28. The inquiry was not authorized XXXX XXXX OF Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
29. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX.
Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
30. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
31. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
32. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
33. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
34. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX.
Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
35. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
36. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
37. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
38. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
39. Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System XXXX : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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06/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX and XXXX XXXX appears on my credit report as of XX/XX/XXXX. Whereas i never had done any business with either party concerning my property home and land. I have sent this information thereto all parties multiple times. XXXX has reported me late on three occasions but can not provide verification and validation proof of a contract between myself and them. In fact i have shown that this property was paid in full by way of my infant trust account. Rather credit agencies have ignored this fact. POINTS OF AUTHORITIES - The Plaintiff herein i, woman, XXXX XXXX XXXX had presented XXXX a payment in full as she has done in the beginning of the initial purchase of her property and home on XX/XX/XXXX. Whereas the law states that " The ownership of all property is in the state by virtue of the government " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( XXXX XXXX, XXXX, ch. 6, 16 ( par. ) ,38 Stat. 265 ; XXXX XXXX, XXXX, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; XXXX XXXX, XXXX, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member bank and/or national Association as prescribed by statute ( the act of XX/XX/XXXX ; the act of XX/XX/XXXX ; 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ). When XXXX purchased the home she required proof that the funds would be wired and or a check would need to be signed if she was receiving a loan from a bank. No bank was present during the alleged lending process made up by XXXX. It is stated that United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts. Rather XXXX failed to state this in their letter what type of currency they would be willing to accept, they where just bent and focused upon not receiving the Tender Of Payment from XXXX XXXX XXXX which is discrimination because the law and or act of XXXX states that this currency is accepted for all property. Plaintiff XXXX XXXX XXXX presented the type of payment thereto XXXX rather they declined the payment. Based upon law whereas XXXX claims that there is no case law [ purgingthemselves ] that supports the Tender Of Payment Currency. Please see below the case laws for types of Currency used for paying for property be it judicial or non judicial Mortgage or Deed Of Trust. In the United States, a mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. It's the promissory note that contains the promise to repay the amount borrowed. ( Learn more about promissory notes. ) While a promissory note is basically an IOU that contains the promise to repay the loan, the mortgage or deed of trust is the document that pledges the property as security for the loan. 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. NOTICE : XXXX nor other Defendants never made mention thereto what currency they where speaking of be it fiat Federal Reserve Notes etc, .. They the Defendants only hinted toward types of formats of payments such as Check Money Order but that is non descriptive and misleading in explanation without clarity and definition. Thus being fraud. XXXX failed to provide law [ s ] that exempts them from not receiving the Tender of Payment. Whereas the law says that if the Tender Of Payment is not accepted and a letter declining the payment stating denial this makes that debt discharged by law as presented multiple times to XXXX and XXXX XXXX Please see Defendant ( s ), XXXX, the alleged servicer to and XXXX XXXX unknown participants, whom alleges to have servicing rights from MERS whom have no employees nor an office location physically. As well no known addresses and corporate employees not even a secretary whom have been alleged to be the originator of loan made up fraudulent loan attempt, also the Nominee and beneficiary, XXXX XXXX also known as the alleged Trustee on behalf of MERS unknown in relationship as to Trustee, XXXX XXXX made attempts to send notices via regular mail during the time of XX/XX/XXXX, whereas they threatened to foreclose and sale without verification and or validation and no contract between XXXX XXXX XXXX and said corporations and or banks including MERS. Defendants entered into this matter related to a trust in the capacity that is unsustainable, and thus is perceived as standing in its unadulterated non-immune capacity and is liable for all damages incurred, assessments as well as penalties. On its face it appears that the Respondents intent and purpose, was to take up the election to treat the within reference complaint as a dream, rather than a promise to pay. A complaint is a promise to pay, and a draft is an order to pay, and the person holding the instrument can treat it as either. The court converted the coolant to a draft [ a nom of currency conversion ]. There might be cause for one to raise and/or complaint that they lack understanding, so can the research department contact their legal department and have them respond? Rather the Research Dept makes it oh so confusing as to who is really speaking on the behalf of XXXX and or XXXX XXXX. PROOF OF PAYMENT FROM CREDITED ACCOUNT : - The Plaintiff XXXX XXXX XXXX has presented proof that the funds were drawn from her infant trust account due to her private account number [ Social Security Number ] credited account number was used to purchase the property and PennyMac or the Defendants failed to dispute this fact. When there is no check to provide payment or a wire confirmation of payment according to the Nevada law i.e. GOOD FUNDS : Which was made effective XX/XX/XXXX, whereas the State Of Nevada enacted the Good Funds legislation [ XXXX ] The law states that for escrow to close on the same day of closing the transaction with the Title company funds would be Tendered in office by interbank electronic wire transfer during the same day. Well this contradicts XXXX and their proof of alleged loan because the wire transaction or check was not produced by the end of day business in fact there wasn't any transaction or loan check created by XXXX because they where not present. Nor was XXXX involved in the beginning of the purchase of the Plaintiffs XXXX XXXX XXXX. More over XXXX appeared on XXXX XXXX XXXX credit in XXXX of XXXX not on the day of closing which was XX/XX/XXXX. There was and is no proof of a loan from XXXX XXXX XXXX nor XXXX XXXX XXXX. The only information for wire came from XXXX XXXX XXXX the infant trust. The wire transfer came from a Federal Reserve Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX [ XXXX ] whereas the Plaintiffs account is held. No record of XXXX nor XXXX XXXX involvement during said wire. Please see the Affidavit of Preemptive Letter Without Rebuttal after 30 days [ XXXX XXXX XXXX ] Just as in the case law presented herein there was no money transferred from XXXX bank in this matter to another bank show a loan took place. This is plainly presented thereto XXXX and XXXX XXXX on multiple occasions within three affidavits and one judgment against the Defendants herein. It was stated by XXXX in writing thereto the CFPB and to the Plaintiff by way of letter and USPS mail that XXXX does not recognize your proposed process as legitimate under the terms of the Note and the laws of the State of Nevada or the United States. In fact, your views are not recognized by any court of law or administrative tribunal within the United States. It is XXXX position that any court or other extra-legal proceedings initiated by you and/or your alleged notary/escrow agent in this matter against XXXX, its officers, agents, or vendors, as a result of XXXX complying with its rights, obligations or requirements under the terms of the Note and Deed of Trust, and Federal and/or State law would be frivolous, without merit, and an abuse of process. You are further reminded that your obligations under the terms of this duly executed Note and Deed of Trust are binding, valid and fully enforceable at law. XXXX must respectfully decline the Tender of Payment Offering Government Obligations Remittance Coupon that you have mailed to XXXX with the intent to fully satisfy and discharge this loan. You are again reminded that said document will not fully satisfy your obligation under the terms of the Deed of Trust and Note for the loan, and is not an acceptable form of payment or an allowable transfer of property, as described under the Deed of Trust and the Note for the above referenced loan obligation. XXXX will not accept or honor the Government Obligations Remittance Coupon. In your correspondence your request the removal or discharge of the loan from the credit reporting agencies. XXXX must respectfully decline your request to remove the reporting as the loan is valid, due and payable. XXXX holds the original Note you signed with XXXX XXXX XXXX, a XXXX ( XXXX ). This is Fraud identity theft and perjury! Committed by all the Defendants herein. XXXX and their agents stated that XXXX XXXX XXXX allege that XXXX and XXXX XXXX XXXX XXXX ( XXXX ), have altered, recreated or modified loan documents. Enclosed are copies of the original loan documents you signed with XXXX, which were transferred to XXXX upon the servicing transfer. As evidenced by the documents, no alterations have been made to any of the documents. It is common practice for the loan number to change as the loan transfers between servicers as specified in the Welcome Letter ( copy enclosed ) provided, but all original terms remain the same. Should you wish to make an appointment to come to our office and view the original signed Note, it will be available for a period of 60 days from the date of this letter. You may call and schedule an appointment to come and view the original document by calling me directly or by calling Mr. XXXX XXXX, Supervisor of XXXX Research and Correspondence Department, at ( XXXX ) XXXX extension XXXX. In your correspondence dated XX/XX/XXXX, you state that you have proof that your loan was paid off by way of your Infant Trust Account but do not reference a date in which the full payoff of the loan was made. If you have made a payment in full of this loan, please provide me with a copy of the cashed certified funds check or proof of wire so that I may further research the location of the funds. As of the date of this letter, your loan is due for the XX/XX/XXXX. The unpaid principal balance is {$390000.00}. This is Fraud identity theft and perjury! Committed by all the Defendants herein. Plaintiff had made multiple attempts to resolve the matter XXXX and or the Defendants herein continues to send strange letters without verifying who the letter is from threatening to foreclose on the property owned and paid for by XXXX XXXX XXXX. In fact there is no other routing numbers other than that of my personal and private infant trust account and the routing number of the bank that is tied to my infant trust account located in Texas. There is no check return check signed by me thereto the Defendants and there is no proof of a loan by the defendants at any point in time. XXXX makes excuses on not answering the questions legally posed to them trying not to incriminate the controllers and implicate others such as XXXX and XXXX. According to the FCRA the debt must be disclosed in all facets and any lack of disclosure nullifies any alleged contract. As well there is no lien or credit history from the date of the purchase of said property on XX/XX/XXXX whereas if XXXX was involved which they where not, their time line and statute of limitations for recording this information expired on XX/XX/XXXX. For there is no record of the Defendants until XX/XX/XXXX.
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03/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 1029 Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed
Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
My name is XXXX XXXX XXXX not XXXX XXXX. Attached is a valid drivers license and utility bill for identification.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect Previous Names : XXXX XXXX The following personal information is incorrect Previous Names : XXXX XXXX XXXX To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
This is the second time this account has been removed and re-placed on my account. This company is making up account numbers and false information each time to report on my credit. This is a 10-Year-old purchased debt. Block this company from continuation of damages that are being caused to me with your allowance. This company performs illegal practices.
3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXXXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$580.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Account type : Previously Removed Debt from credit report- Re-aged- Not mine- CARES act violation.
Amount {$1100.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
5.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXXXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$2800.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
6.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXXXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$6000.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
7.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXXXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$580.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
8. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX COAF Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
9.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
10.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX COAF Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
11.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX COAF Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
12.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX PLUS Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
13.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX Flagshipcrdt Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
14.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
15.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
16.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
17.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
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10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AFFIDAVIT OF TRUTH IN THE NATURE OF SUPPLEMENTAL RULES OF THE FAIR CREDIT REPORTING ACT AND BY ALL LIGAL RIGHTA AS THE CONSUMER Consumer enforcement as administrative counterclaim my private right of action notice to all DAY XX/XX/XXXX DATE XX/XX/XXXX credit agencies ATTN : DISPUTE DEPAERTMENT RE : inaccurate information IN COMMERCE, EVERYTHING MUST BE STATED IN TRUTH.
I, being a natural person in fact a national person, a private person, a living soul, a consumer and secure party and not a statutory person residing in the state of New York in the country of America called XXXX XXXX do hereby solemnly declare say and state one secure party is hearing everything stated in this truth affidavit is the truth the whole truth and nothing but the truth and all stated is true correct complete and not missing or misleading. NO THIRD PARTIES ALLOWED.
PLAIN STAEMENTS ABOUT THE FACTS : FACT, the truth in lending act is intended to inform consumers about the cost of credit.
FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
FACT, XXXX is aware and has proof in attachment labeled as exhibit ( A ) THAT THESE ACCOUNTS ARE INFACT inaccurate.
FACT credit agencies are aware that the said accounts list below are inaccurate.
FACT the reporting of inaccurate information has affected my character, my reputation, my livelihood, and ability to obtain credit and a house, you and your company have affected my livelihood.
Notice to agent is notice to principle notice to agent.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate.
Duty : a moral and legal obligation Accurate : correct in all details in exact Prohibition : a law and regulation forbidding something As defined by the IRS, even if you didn't receive a tax form 1099-C you must report cancel debt and gross income.
THE IRS clearly states charge off as income the reporting of this account is inaccurate.
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, WHICH MAKES THIS RPORTING INACCURATE.
By definition the IRS clearly states the charge off is income the reporting of this account as inaccurate under the law.
15 USC 1681-S-2 you are a furnisher of information to the reporting to the credit Bureau agencies a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are prohibited by law from furnishing inaccurate information. I demand that you cease and disease this inaccurate information immediately.
You are hereby put on notice you have been reporting inaccurate information.
The lender must file a 1099-C and you must forward me a copy of the debt if more than {$600.00} and the lender is a federal institution credit union and government agency , please send me my form 1099-C that they should have sent me that they filed as cancelled debt. in conclusion you are hereby put on notice, and I have clearly shown you this inaccurate information this reporting has caused my family a tremendous financial loss as I am not able to process fully with my livelihood you have 10 calendar days to remove this from my credit report.
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX Account name : XXXX XXXX Account number : unknown are in violation of my consumer rights.
therefore, I am telling you in writing, I have never given any written permission to anyone to use my identity or to report any of this information on my credit report or GIVE, SHARE, DONATE, USE OR SELL my personal information OR IDENTITY to anyone, I ask that these accounts be promptly REMOVED/DELETED from my consumer report, no later than 10 business days after the receipt of this affidavit in accordance with FCRA the information is false and inaccurate and it is also hurting my chances at receiving credit from financial institutions, to get loans to buy a house or to buy a car, even to rent an apartment so as a consumer and a victim I XXXX XXXX ask that you delete, immediately these accounts as they do not belong on my consumer report. the laws are clearly in place for the protection of every consumer, myself included, I ask that you do your due diligence in response to this letter and promptly remove/delete all of these accounts without prejudice. all listed above being true and factual that the accounts listed are inaccurate and any inquiries made in association with these accounts should be deleted promptly and expeditiously also listed below is my personal information in truth and in fact as a living being.
Also, I ask that all inquiries associated with these accounts be removed from my consumer report I would also like to ask that you check my name, phone number address place of employment, here I will give you a list of my entire identity as a real living person with my identification at the top of this letter shows with original documentation.
NAME ADDRESS : PHONE : EMPLOYMENT ALL OTHER NAMES, PHONE NUMBER, ADDRESSES, AND PLACE OF EMPLOYMENT SHOULD BE REMOVED WITHIN XXXX BUSINESS DAY OF THE RECIEPT OF THIS LETTER The inquiries associated with each of the accounts listed above should be deleted immediately upon receipt of this affidavit.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ATTN : DISPUTE DEPAERTMENT ATTN : FRAUD DEPARTMENT RE : IDENTITY THEFT XXXX. Prohibiting unfair, deceptive, or abusive acts or practices ( a ) In general The Bureau may take any action authorized under part E to prevent a covered person or service provider from committing or engaging in an unfair, deceptive, or abusive act or practice under Federal law in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service.
( b ) Rulemaking The Bureau may prescribe rules applicable to a covered person or service provider identifying as unlawful unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. Rules under this section may include requirements for the purpose of preventing such acts or practices.
( c ) Unfairness ( 1 ) In general The Bureau shall have no authority under this section to declare an act or practice in connection with a transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service, to be unlawful on the grounds that such act or practice is unfair, unless the Bureau has a reasonable basis to conclude that- ( A ) the act or practice causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers ; and ( B ) such substantial injury is not outweighed by countervailing benefits to consumers or to competition.
( 2 ) Consideration of public policies In determining whether an act or practice is unfair, the Bureau may consider established public policies as evidence to be considered with all other evidence. Such public policy considerations may not serve as a primary basis for such a determination.
( d ) Abusive The Bureau shall have no authority under this section to declare an act or practice abusive in connection with the provision of a consumer financial product or service, unless the act or practice- ( 1 ) materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service; or ( 2 ) takes unreasonable advantage of- ( A ) a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service.
( B ) the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service; or ( C ) the reasonable reliance by the consumer on a covered person to act in the interests of the consumer.
Form 1099-C is to be used only for cancellations of debts for which the debtor actually incurred the underlying debt. 2. An identifiable event has occurred. It does not matter whether the actual cancellation is on or before the date of the identifiable event.
Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. Taxpayers who receive the form must report the amount indicated as other income on their tax return.1 Canceled debt must be reported as taxable income on annual tax returns even if the issuer doesnt send a Form 1099-C because the canceled debt is less than {$600.00} Internal Revenue Service. " Topic No. 431 Canceled Debt Is It Taxable or Not? '' KEY TAKEAWAYS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower.
If you receive a 1099-C, you may have to report the amount shown as taxable income on your income tax return.
Because its considered income, the canceled debt has tax consequences and may lower any tax refund you are due.
There are three copies of the 1099-C. The lender must file Copy A with the IRS, send you Copy B, and retain Copy C.3 If you borrowed money from a commercial lender and at least {$600.00} of that debt was canceled or forgiven, you should receive Form 1099-C from the lender.4 Internal Revenue Service. " Instructions for Form 1099-A and C. '' For example, assume you borrow {$10000.00} and default on the loan after repaying {$4000.00}. If the lender cant collect the remaining debt from you, it may cancel the debt, which means the remaining {$6000.00} is reported on Form 1099-C. This amount is generally considered taxable income.
Common reasons lenders send 1099-C forms include : Foreclosure Repossession I NEVER RECEIVED THIS FORM 1099 FROM THE LENDERS LISTED.
These lenders are committing deceptive tactics. Reporting income as debt on my consumer report I ask that this inaccurate information be removed from my consumer report as it is a federal crime to report income on my consumer report as this is clearly not debt, I never received any 1099C from any of these institutions nor the original creditors of the collections being reported on my consumer report by XXXX XXXX XXXX and XXXX XXXX as these financial institutions know the law and understand the law much better than I do as a regular human being and the sovereign of the United states constitution and Laws so I'm giving you fair notice that these financial institutions listed are committing a huge fraud a huge deceit destroying my credit disrupting my pursuit of happiness and undermining Congress 's laws set forth for the protection of the consumer which I am one you now have 10 days from the receipt of this affidavit to remove all of the accounts listed in this affidavit failure to do so will result in legal action filed against the credit bureaus for knowingly and willfully reporting inaccurate information 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I, on many on many occasions have disputed the accounts listed affidavit which I have all of the paperwork for turn on every occasion the credit bureaus verify the account as accurate every single account listed here came back as a verified account per the data furnisher the credit bureaus have a vital responsibility to insure that maximum accuracy of a credit report is it compliance for per the fair credit reporting act and the FD CPA the credit bureaus and the financial institutions listed are in full violation of my consumer rights it should be held accountable these accounts are not removed within 10 days of the receipt of this letter affidavit I have no choice but to start taking legal proceedings against the credit bureaus and the financial institutions 15 U.S. Code 1681q - Obtaining information under false pretenses.
U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
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03/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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06/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear CFPB In relation to ID XXXX regarding the company response ( Equifax ) XXXX CFPB proposed a question as to what would be a fair resolution to this issue? My response, A fair resolution to this issue would be to request that XXXX and Equifax please " remove '' the negative collection agency ( XXXX XXXX XXXX XXXX XXXX ), from my credit reporting profile so that my FICO score can return to its original state due to XXXX XXXX XXXX XXXX XXXX, being paid in full.
Please note that my reply to this company ( Equifax ), a response regarding the CFPB ID : XXXX, should not be marked nor identified as a duplicate complaint. Per the Fair Debt Collection Practices Act ( FDCPA ) rules in the law, Equifax must act by complying with my full original request for a fair resolution : " remove '' the negative collection agency ( XXXX XXXX XXXX XXXX XXXX ), from my credit reporting profile so that my FICO score can return to its original state. However, Equifax continues to ignore my request, and respond with the following : A summary of the results are listed below : Collection : XXXX XXXX XXXX XXXX XXXX XXXX THIS CREDITOR IS CURRENTLY REPORTING A XXXX BALANCE FOR THIS ACCOUNT.
For Equifax to merely reflect that the collection is now XXXX balance on my credit report profile, is not acceptable. XXXX and XXXX, who are also credit reporting agencies, have complied with my request to remove the collections from my credit profile and returned my FICO credit score back to its original state. The third-party collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX reported an erroneous and fraudulent debt transaction from XXXX ( XXXX ), on my credit report profiles without my knowledge or contact me by mail, email, or telephone, to inform and notify me of the debt, nor allowed me an opportunity to dispute and respond to the debt, prior to placing the debt on my credit report. These actions are VIOLATION of the Fair Debt Collection Practices Act ( FDCPA ) law. At this time, the debt collector, ( XXXX XXXX XXXX XXXX XXXX ), has violated the FDCPA rules in the law ; therefore, my request to Equifax is that the collection is REMOVED from my credit reporting profile and that my FICO credit score RETURN to its original state ; not to merely reflect that the collections show a XXXX balance. The Fair Debt Collection Practices Act ( FDCPA ) allows for legal action against certain collectors that dont comply with the rules of the law. Due to the collection from the third-party collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT complying with the Fair Debt Collection Practices Act ( FDCPA ) rules in the law, Equifax can no longer ignore the law and my full request. Equifax MUST comply with the FDCPA XXXX and REMOVE the negative, erroneous, and fraudulent collection agency XXXX XXXX XXXX XXXX XXXX XXXX ), FROM my credit report profile IMMEDIATELY, and RETURN my credit score back to its ORIGINAL state ; or it will leave me with no other choice but to proceed with an FDCPA lawsuit against Equifax, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. An FDCPA lawsuit can be costly to defend and may result in a judgment against Equifax, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX Therefore, this is my final plea and request to the Consumer Financial Protection Bureau ( CFPB ), to submit my reply requesting Equifax to comply with my original full fair resolution request. In addition, on XX/XX/XXXX, I have submitted the following complaint/letter to the Federal Trade Commission XXXX FTC ) and the Texas Attorney Generals Office : TO WHOM IT MAY CONCERN : Per my most recent recorded telephone conversation held with a member of management ( XXXX XXXX XXXX XXXX XXXX of the third-party collector, XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX NY ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX, Telephone Number : ( XXXX ) XXXX, or ( XXXX ) XXXX, Website : XXXX Tuesday, XX/XX/XXXX, at XXXX p.m. XXXX, XXXX XXXX XXXX XXXX, stated that their office does not have a telephone number or email address on file for me, XXXX XXXX, XXXX, as XXXXhe Debtor ( consumer ). However, per their " company '' ( XXXX XXXX XXXX XXXX ), response on XX/XX/XXXX, to the Debtors filed complaint with Consumer Financial Protection Bureau ( CFPB ), case ID XXXX, XX/XX/XXXX, their Company stated the following : XXXX wrote to and called the consumer to advise him of the account. Prior to our receipt of the within complaint, XXXX had already ceased collection efforts.
I informed the third-party collector, Member of Management ( XXXX XXXX XXXX XXXX on XX/XX/XXXX, during our recorded telephone conversation that I never received a mailed notification from XXXX XXXX XXXX XXXX XXXX nor a phone call per their response to CFPB. In responding to XXXX XXXX XXXX XXXX 's response, I called and spoke to a CFPB representative by the name of XXXX on XX/XX/XXXX, and provided written feedback to the company response, stating the following : Dear Consumer, Financial Protection Bureau, in relation to ID XXXX regarding XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have spoken to a CFPB Representative by the name of XXXX on XX/XX/XXXX, who informed me that the case ID XXXX had been " closed '' after the company response, which did not allow me an opportunity to comment ( reply ) to the " company '' response. Therefore, to confirm that my reply will be reviewed and submitted to the company XXXX XXXX XXXX XXXX XXXX XXXX ), I am submitting another complaint requesting that case ID XXXX be reopened. In order to assist CFPB to better work with consumer complaints together, we can eventually stop dishonest third-party collection agencies such as XXXX XXXX XXXX XXXX XXXX XXXX from automatically placing negative information on a consumers credit profile, without notifying the consumer and allowing the proper amount of time for the consumer to respond, I am providing additional feedback to the companys ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX response to assist in stopping and not continue these malicious acts. XXXX is unable to provide any documentation that, XXXX, wrote to and called, XXXX XXXX, XXXX, ( the consumer ), to advise me of the account reported to them on XX/XX/XXXX, by XXXX XXXX XXXX ) for collection. I, XXXX XXXX, XXXX, ( the consumer ), did not know that XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), had placed the erroneous and negative information on my credit profile until AFTER notification was received from XXXX. The Law protects our rights as consumers regarding Credit Collections and Reporting. The Fair Debt Collection Practices Act ( FDCPA ) allows for legal action against certain collectors, such as XXXX XXXX XXXX XXXX XXXX, that dont comply with the rules in the law. XXXX XXXX XXXX XXXX XXXX, did not comply with the FDCPA rules in the law. Therefore, I am requesting that XXXX XXXX XXXX XXXX XXXX, provide a documentation log of their attempts to contact me, the consumer, in writing and by telephone, advising XXXX XXXX, XXXX, ( the consumer ), of the account, reported to XXXX on XX/XX/XXXX, by XXXX XXXX XXXX XXXX for collection. In addition, I am requesting that XXXX provide transparent clarification of any credit reporting XXXX provided on behalf of the creditor, as being deleted accordingly, and that the deletion has been confirmed with whom? Who has XXXX confirmed the deletion with?
Per my most recent recorded telephone conversation held with a member of management ( XXXX XXXX XXXX XXXX, of the third-party XXXX, XXXX XXXX XXXX XXXX XXXX Tuesday, XX/XX/XXXX, at XXXX p.m. XXXX, XXXX XXXX stated that XXXX could not fulfill Equifax request to submit a Deletion Request so that Equifax could perform the same as XXXX by removing the erroneous XXXX XXXX XXXX XXXX collection from my credit report. XXXX XXXX, management with XXXX XXXX XXXX XXXX, informed that their office received the misrepresentation of the facts file from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and the third-party XXXX, XXXX XXXX XXXXXXXX XXXX XXXX reported it to the credit reporting agencies ( XXXX, XXXX, and Equifax ) XXXX roughly around XX/XX/XXXX. UNACCEPTABLE! XXXX XXXX XXXX XXXX 's communication tactics timeline does not comply with the rules in the law of the Fair Debt Collection Practices Act ( FDCPA ). I asked XXXX XXXX when did their office send me a notification informing me that the debt had been received at their office for collections? XXXX XXXX response was, XX/XX/XXXX ( the same day as their receipt of the account ). I find XXXX XXXX timeline response also hard to believe. I then asked XXXX XXXX what address did they mail the notification to? His response was, to my present residence. I personally knew that the third-party collectors, XXXX XXXX XXXXXXXX XXXX XXXX XXXX not have my present resident address on file until I called their office, on XX/XX/XXXX, and paid off the debt once I was notified by XXXX, on XX/XX/XXXX, that the collection had been placed on my credit report. I then called and provided the XXXX XXXX XXXX XXXX Representative, XXXX XXXX XXXX with my current residential address information so that XXXX XXXX XXXX XXXX could mail me a confirmation that the debt has been paid in full in the amount of {$100.00}. Considering I was informed of inaccurate information from XXXX XXXX, I called back and requested to speak to a XXXX XXXX XXXX XXXX member of management, XXXX XXXX XXXX, who clarified that it could take 30-90 days for the paid in full payment to reflect on the account and for me to communicate with XXXX regarding the removal of the collection from my credit report profile. However, XXXX was able to remove the negative erroneous collection from my credit report profile immediately. I did not find out that the XXXX XXXX XXXX XXXX collection was also reported to the two other credit reporting agencies ( XXXX, and Equifax ), until Wednesday, XX/XX/XXXX, and immediately reached out to the additional credit reporting agencies to start the dispute process to provide proof of payment and requesting that the negative and erroneous collections be removed from my credit report profile ( as XXXX had done ), but to no avail. The actions of the creditor, XXXX XXXX ( XXXX ), and the credit reporting agencies, ( XXXX, and Equifax ), are unlawful and the misrepresentation of facts to the third-party collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX provided by XXXX Communications XXXX XXXX ), is a violation of the FDCPA rules in the law.
XXXX XXXX XXXX XXXX written response to the CFPB is contradicting what their member of Management ( XXXX XXXX XXXX XXXX, provided during our recorded conversation, on XX/XX/XXXX. I was never notified by the third-party collection XXXX XXXX XXXX XXXX informing me that the debt had been turned over to a third-party collection, nor was the proper time provided to give me a chance to pay the debt or dispute the debt, given the timeline provided by the member of management with the third-party collection XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX.
The third-party collection agency XXXX XXXX XXXXXXXX XXXX was unable to provide transparency to the consumer and to the CFPB, with a documentation log of their attempts to contact the consumer regarding the debt and provided the consumer with the required time per the FDCPA rules of law to respond to the notice prior to reporting the erroneous debt to the credit reporting agencies ( XXXX, XXXX, and Equifax ) XXXX Therefore, due to the negligence of the third-party collection agency, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am requesting that XXXX XXXX XXXX XXXX XXXX communicate with the credit reporting agencies ( XXXX and Equifax ) to " remove '' the false statement and negative collection ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX from my credit report profile BEFORE '' a seven ( 7 ) year period, so that my FICO score and credit report can restore to its original positive state.
Your kind assistance to further investigate this matter and to provide additional knowledge and instructions for having XXXX and Equifax remove the negative paid in full third-party collections account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX from my credit report due to it is hurting my FICO credit score and causing emotional distress. I am unable to provide for my family because every business venture and creditor review what is reported to the three major credit bureaus to determine one 's creditability ; therefore, your assistance will be greatly appreciated. In addition, I am contacting my state Attorney General 's office to receive guidance on a possible FDCPA lawsuit and for any possible state law actions against the debt collector ( XXXX XXXX XXXX XXXX ). I would like to confirm with my State Attorney Generals office if they have received complaints from other consumers against the debt collector ( XXXX XXXX XXXX XXXX ), and if it gets enough complaints against this one collector, it might prosecute ( XXXX XXXX XXXX XXXX ), on behalf of the state of Texas.
Collection Agencies must utilize judicious decision-making regarding what is reported to the credit reporting agencies ( XXXX, XXXX, and Equifax ) XXXX to confirm the accuracy and to complete a thorough due diligence process to properly notify the consumer and allow time for the consumer to respond to their notification prior to placing negative erroneous information to ones credit profile. I do hope I have provided enough detailed information to your staff to review this matter. It is important that we take the time and speak out when a wrong has been rendered so that no other consumer will experience such amiss. Thank you in advance for your kind assistance, and I look forward to our continuous communication.
Best regards, XXXX XXXX, XXXX Email : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Enclosure
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03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX I wrote a dispute to all consumer reporting agencies, XXXX, Equifax and XXXX about all the unauthorized hard inquiries that they are reporting. My letters have been ingnored by XXXX and XXXX and Equifax claims that they are valid inquiries with no proof of validation or a method of verification which clearly shows that they did not conduct a proper investigation or an investigation at all most likely. Under the FCRA it clearly states that under permissible purpose what constitutes a valid hard inquiry. 1. A firm offer of credit 2. Insurance 3. A court order 4. Employment I don't know how these all got on my report because I didn't give permission or sign off any kind of authorization to run my credit nearly 50 times. I want them deleted immediately along with the personal information that is also inaccurate or outdated.
1. The following personal information is outdated/invalid and needs to be deleted.
EMPLOYER : XXXX XXXX XXXX 2. The following personal information is outdated/invalid and needs to be deleted.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is outdated/invalid and needs to be deleted.
XXXX XXXXXXXX XXXX XXXX, TX XXXX 4. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 5. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 6. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 7. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 8. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 9. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 10. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 11. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 12. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 13. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 14. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 15. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 16. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 17. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 18. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 19. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 20. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 21. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 22. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 23. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 24. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 25. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 26. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX TX Date of inquiry : XX/XX/XXXX Delete these immediately 27. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 28. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 29. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 30. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 31. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 32. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX CADIL Date of inquiry : XX/XX/XXXX Delete these immediately XXXX. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 34. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 35. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 36. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 37. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 38. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 39. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 40. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 41. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 42. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 43. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 44. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 45. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 46. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 47. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately
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07/17/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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After numerous attempts to have fraudulent information deleted from my credit bureau, I have requested XXXX XXXX XXXX to delete their account from my credit bureau due to inaccuracies they allege are civil. After submitting a complaint a generic response was sent back by XXXX that provided absolutely no factual information nor any valid defense to their decision to remain " unchanged '' as they stated on their decision to falsely report information against me that was the result of credit card fraud and identity theft. XXXX XXXX is engaging in a tactic using generic responses without actually providing proof they have investigated my claim as well as submitting information based on how they " feel '' not what is based on fact or law. They have routinely denied my claim for this account to be removed from my credit even when presented with copies of the police report that document the fact I am the victim of fraud and identity theft and even provided them the name of the person who is the theif. Their response is that they " feel '' the complaint is civil as the person involved is an ex-girlfriend but they fail to examine the actual laws that govern this case and prove this is not civil nor that how they " feel '' can suddenly make the case a civil case simply because they do not wish to actually charge off an account due to this criminal activity and instead have openly and incorrectly demanded I collect the money myself. This is now how the legal system works and XXXX XXXX is not immune to the consequences of violating the Fair Credit Billing Act or the fact that at least 4 state statutes in North Carolina directly define my situation as criminal fraud as well as two Federal Statutes. XXXX XXXX is not investigating in good faith or they would be able to see within minutes that the following statutes cover my case of being the victim of fraud and have no legal standing to push off my case as " civil ''. Lastly, XXXX is making inaccurate statements that they are attributing to me in their investigation that I never made. XXXX is stating I claim this person " handled my finances '' which is not true, XXXX has claimed in the past that I gave this person permission to use my cards, which is also false, and most recently XXXX has made the allegation that this account is a civil matter due to my request to " pay me back '' the stolen funds, which is also untrue. I have never asked her to pay me, I instructed that she payoff the stolen cards, or face criminal charges, which is exactly what has occurred. XXXX has submitted falsified information as part of their " investigation '' in this case which they never gathered from me, but somehow found this information in their report as if I was even spoken to about this complaint. XXXX has not spoken to me regarding this fraudulent activity since the initial filing almost two years ago and has not validated anything they reported on that investigation. They then continue to use this same misinformation and use statements against me that I never made as proof of their results of the investigation, yet refuse to take actual signed affidavit 's of fraud which I offered to them the day I filed the claim. XXXX is falsifying information and relying on fundamentally faulty information which is counter to the law. So, to provide proof once again XXXX is wrong in their claim of this being a " civil '' matter I am attaching all relevant statutes, both state and Federal, which directly contradict statements made by XXXX XXXX. The following State of North Carolina Statutes define the charges made by the ex on my credit card as fraud : 14-113.9. Financial transaction card theft. ( a ) A person is guilty of financial transaction card theft when the person does any of the following : ( 1 ) Takes, obtains or withholds a financial transaction card from the person, possession, custody or control of another without the cardholder 's consent and with the intent to use it ; or who, with knowledge that it has been so taken, obtained or withheld, receives the financial transaction card with intent to use it or to sell it, or to transfer it to a person other than the issuer or the cardholder 14-113.13. Financial transaction card fraud. XXXX a ) A person is guilty of financial transaction card fraud when, with intent to defraud the issuer, a person or organization providing money, goods, services or anything else of value, or any another person, he ( 1 ) Uses for the purpose of obtaining money, goods, services or anything else of value a financial transaction card obtained or retained, or which was received with knowledge that it was obtained or retained, in violation of G.S. 14-113.9 or 14-113.11 or a financial transaction card which he knows is forged, altered, expired, revoked or was obtained as a result of a fraudulent application in violation of G.S. 14-113.13 ( c ) ; or ( 2 ) Obtains money, goods, services, or anything else of value by : a. Representing without the consent of the cardholder that he is the holder of a specified card ; or b. Presenting the financial transaction card without the authorization or permission of the cardholder ; or c. Representing that he is the holder of a card and such card has not in fact been issued ; or d. Using a financial transaction card to knowingly and willfully exceed : 1. The actual balance of a demand deposit account or time deposit account ; or 2. An authorized credit line in an amount which exceeds such authorized credit line in the amount of five hundred dollars ( {$500.00} XXXX, or fifty percent ( 50 % ) of such authorized credit line, whichever is greater ; or ( 3 ) Obtains control over a financial transaction card as security for debt ; or ( 4 ) Deposits into his account or any account, by means of an automated banking device, a false, fictitious, forged, altered or counterfeit check, draft, money order, or any other such document not his lawful or legal property ; or ( 5 ) Receives money, goods, services or anything else of value as a result of a false, fictitious, forged, altered, or counterfeit check, draft, money order or any other such document having been deposited into an account via an automated banking device, knowing at the time of receipt of the money, goods, services, or item of value that the document so deposited was false, fictitious, forged, altered or counterfeit or that the above deposited item was not his lawful or legal property 14-113.11. Forgery of financial transaction card. ( a ) A person is guilty of financial transaction card forgery when : ( 2 ) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely encodes, duplicates or alters existing encoded information on a financial transaction card or utters such a financial transaction card ; 14-113.15. Criminal receipt of goods and services fraudulently obtained. A person is guilty of criminally receiving goods and services fraudulently obtained when he receives money, goods, services or anything else of value obtained in violation of G.S. 14-113.13 ( a ) with the knowledge or belief that the same were obtained in violation of G.S. 14-113.13 ( a ). Conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S. 14-113.17 ( a ) if the value of all the money, goods, services and anything else of value, obtained in violation of this section, does not exceed five hundred dollars ( {$500.00} ) in any six-month period ; conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S . 14-113.17 ( b ) if such value exceeds five hundred dollars ( {$500.00} ) in any six-month period. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1. ) 14-113.17. Punishment and penalties. ( b ) A crime punishable under this Article is punishable as a Class I felony. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1 ; c. 760, s. 5 ; 1993, c. 539, ss. 55, 1183 ; 1994, Ex. Sess., c. 24, s. 14 ( c ). The Federal Statutes which also confirm the actions against me as criminal fraud are as follows : 15 U.S.C. 1644 - U.S. Code - Unannotated Title 15. Commerce and Trade 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( d ) Receipt, concealment, etc., of goods obtained by use of card Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value ( except tickets for interstate or foreign transportation ) which ( 1 ) within any one-year period has a value aggregating {$1000.00} or more, ( 2 ) has moved in or is part of, or which constitutes interstate or foreign commerce, and ( 3 ) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card ; or ( f ) Furnishing of money, etc., through use of card Whoever in a transaction affecting interstate or foreign commerce furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating {$1000.00} or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both Because these charges were made by someone without my knowledge and without my permission and criminal felony charges were taken out, my account is covered under the legal definition of fraudulent activity and must be deleted under the XXXX guarantee of zero fraud guarantee protection. Any attempt to call this civil is a direct violation of my rights under the Federal protection of the Fair Credit Billing Act as well as the North Carolina General Statutes.
I have brought up this same issue directly with the credit agencies Experian and Equifax who have also failed to do their due diligence in verifying the information is valid. I have asked for copies of their investigation of how they arrived at the decision that the information provided was accurate after sending copies of the police report and filing identity theft and credit card theft against the perpetrator. All I ever received is a false promise by telephone through an agent that it would be received within 30 days. This was in XX/XX/XXXX and I have yet to receive any validated documentation on their " investigation '' as there is none to provide. I personally believe that they are simply taking the false information that XXXX XXXX XXXX is providing and simply stating " Ok, that's what we will put on his credit '' and not actually completing any investigation to verify the validity of the information they are reporting. A police report for identity and credit card theft that includes their account should be more than enough evidence that what XXXX XXXX XXXX is sending them is the result of fraud and Identity theft as the police report states. I would welcome the company contacting the police department and speaking to someone in investigations as well and verifying the report is genuine and the result of me being a victim of fraud and credit card theft as well as identity theft. Lastly, I have attached copies of the above referenced statutes that nullify XXXX XXXX XXXX 's claim that I owe money because they " feel '' an ex girlfriend stealing credit cards is civil. XXXX XXXX XXXX is intentionally making false claims that were never made on my behalf. I never provided my credit cards voluntarily to allow the ex girlfriend to use them, I never agreed to allow her access to them, I never provided her with my account information. All of these statements by XXXX XXXX were made by them, they were never made by me. They " assumed '' that is what occurred according to the initial investigator. XXXX XXXX XXXX can not provide ANY documentation or statements from me that say otherwise because it never happened. I was stolen from and my accounts were used fraudulently. This account is the result of that fraud and I have followed all chains of command and provided all requested documentation to provide this proof of fraudulent activity. As stated in the provided North Carolina laws as well as Federal Laws, I am the victim of fraud, the crimes committed against me are felony charges and the proper authorities have been notified and charges have been filed as you can see in the attached police report. There should be no other reasons why this account remains on my credit needlessly damaging my credit report unless it is an intentional act. Refusal to remove this from my credit bureau with fully verifiable information showing the activity is fraud will result in additional action through the court system seeking damages under the fair credit reporting act as well as requesting punitive damages in addition to any court ordered restitution. I have requested this removal of incorrect information more than a dozen times over the past two years and no one has once contacted me through any investigation or made any more of an effort than to simply respond with " verified by account holder ''. That is not an investigation, that is a copy an paste job of incorrect information. This account must be deleted immediately.
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11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/XXXX ) ( report No XXXX ) with ( XXXX ) Police Department. I, ve also mailed in certified letters to Equifax Certified mail receipt code ( XXXX XXXX XXXX XXXX XXXX XXXX ). I received nothing. I'm also sure my information was leaked due to the information breach with Equifax. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to Equifax security breach.The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) He notice several instances where Equifax are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. Equifax continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that Equifax did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Equifax will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Equifax has violated the FCRA.. Equifax has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( 4 days from todays date ). On XX/XX/XXXX *****only correct name on credit report should be spelled as followed ( XXXX XXXX XXXX Any other name or mispelling should be removed immediately.
***** ( FRAUDULENT ACCOUNTS ) ***** XXXXXXXX XXXX XXXX {$0.00} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$16000.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX LA {$0.00} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX {$3400.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX {$500.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX ***** ( FRAUDULENT INQUIRIES ) ***** XXXX Miscellaneous Reptg. Agencies InquirXXXX date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXXXXXX XXXX FINANCIAL Auto Financing Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case.
XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX President, Chief Legal Officer Equifax XXXX XXXX XXXX XXXX XXXX Non-executive XXXX Equifax XXXX XXXX XXXX Equifax XXXX Equifax XXXX XXXX XXXX am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the XXXXredit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross referenced to the .U.S Code is at the end of this document.Section 623 imposes the following duties upon furnishers : Accuracy Guidelines. The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available atwww.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ).
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ).
Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to
keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing XXXX XXXX, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The CFPBs website, www.consumerfinance.gov/learnmore, has more information about theFCRA, including publications for business and the full text of the FCRA.Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue.
I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
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03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit report by the creditor, XXXX, regarding account number XXXX. The creditor has reported inaccurate information that has caused me undue financial hardship and emotional distress.
The creditor has violated multiple laws, including the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and Fair Debt Collection Practices Act ( FDCPA ). Specifically, the creditor may have violated the following sections : FCRA Section 607 ( b ) : This section requires that credit reporting agencies maintain accurate information in consumer reports. The creditor may have violated this section by reporting inaccurate information about my payment history.
FCRA Section 611 : This section gives consumers the right to dispute inaccurate information in their credit reports. I have disputed the inaccurate information, but the creditor has not corrected it, thereby violating this section.
FACTA Section 612 ( a ) : This section requires that credit reporting agencies provide consumers with a free annual credit report upon request. The creditor may be in violation of this section if I have not received my free credit reports.
TILA Section 127 : This section requires that creditors provide accurate and timely disclosures of the terms and conditions of credit. If the creditor provided inaccurate information about my credit limit or the date the account was opened, they may be in violation of this section.
FDCPA Section 807 : This section prohibits debt collectors from collecting any amount that is not expressly authorized by the agreement creating the debt. If the creditor attempted to collect a debt that was not owed, they may be in violation of this section.
The inaccurate information reported by the creditor has had a significant impact on my life. I have been denied credit, including a car loan, due to the negative information reported on my credit report. Additionally, the creditor 's inaccurate reporting has caused me emotional distress and anxiety.
Therefore, I am requesting that the creditor remove the unverified collection account from my credit report and take appropriate action to correct any inaccurate information that has been reported. I also request that the creditor be held accountable for the violations of the aforementioned laws.
XXXX XXXX with account number XXXX. The account is reporting that it was opened on XX/XX/XXXX, by XXXX, and on XX/XX/XXXX, by XXXX, but not by Equifax. The Last Reported Date for XXXX was XX/XX/XXXX, whereas the Last Reported Date for XXXX was XX/XX/XXXX. Equifax omitted to report. XXXX was reported once more. Date XXXX was last active on XX/XX/XXXX, or it was XX/XX/XXXX for Equifax.
I believe that the creditor has violated several sections of the Fair Credit Reporting Act ( FCRA ). Specifically, the creditor may have violated Section 607 ( b ) by failing to report the account to Equifax, and Section 605 by reporting inaccurate or incomplete information to XXXX and XXXX. In addition, if I have disputed the accuracy of the information with the CRA and they have not conducted a reasonable investigation, the creditor may be in violation of Section 623.
The impact of this inaccurate and incomplete information on my credit report has been devastating. It has affected my ability to secure credit and has led to higher interest rates and fees. This has caused me significant financial stress and has made it difficult for me to provide for my family.
Therefore, I ask that you enforce the legal protections provided to me under the FCRA and require the creditor to remove this unverified collection account from my credit report.
XXXX XXXX, with account number XXXX. According to the information provided by the credit reporting agencies, XXXX and XXXX reported the account as opened on XX/XX/XXXX, and XX/XX/XXXX, respectively. However, Equifax did not report the account at all. Additionally, there are discrepancies in the reported high credit score for the account.
I believe that XXXX XXXX has violated Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to report the account to Equifax, and Section 605 of the FCRA by reporting inaccurate and incomplete information to XXXX and XXXX. Furthermore, XXXX XXXX may have violated Section 623 of the FCRA by failing to conduct a reasonable reinvestigation of my dispute.
These inaccuracies have had a significant impact on my life. I have been trying to obtain a loan to start my own business, but the negative information on my credit report has made it difficult for me to secure financing. I have been struggling financially, and the inability to obtain funding has prevented me from pursuing my dreams and providing for my family.
I am requesting that XXXX XXXX be required to remove the unverified collection account from my credit report in order to bring it into compliance with the FCRA.
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : XXXX reports this account as a collection, but XXXX and Equifax do not. Additionally, XXXX recorded the date opened as XX/XX/XXXX, but XXXX and Equifax did not.
These errors are in violation of Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies maintain accurate information in consumer reports. If XXXX is reporting the account as a collection and XXXX and Equifax are not, the creditor may be in violation of this section. Furthermore, Section 623 of the FCRA requires that CRAs conduct reasonable reinvestigations of disputed information. If you have not conducted a reasonable investigation of my dispute, the creditor may be in violation of this section as well.
These mistakes have had a significant impact on my life. As a result of these errors, I have been denied credit, loans, and housing opportunities that I would otherwise qualify for. I have been forced to pay higher interest rates on the credit that I have been able to obtain, resulting in unnecessary financial strain.
I am requesting that you take immediate action to remove these unverified collection accounts from my credit reports. I believe that this is the only appropriate remedy for the harm that has been caused by these errors.
XXXX XXXX XXXX XXXX : This account is reporting credit card information on XXXX and XXXX , but Equifax did not . Furthermore, XXXX and XXXX reported a credit limit of {$3500.00}, while Equifax reported none. The last active dates reported by each bureau also vary significantly, with XXXX showing XX/XX/XXXX, XXXX showing XX/XX/XXXX, and Equifax showing XX/XX/XXXX.
These discrepancies may be in violation of Section 607 ( b ), which requires that credit reporting agencies maintain accurate information in consumer reports. Additionally, Section 605 requires that credit reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. If the information reported by XXXX and XXXX is inaccurate or incomplete, the creditor may be in violation of this section.
XXXX regarding account number XXXX. According to my credit reports from XXXX, XXXX, and Equifax, there are inconsistencies and potential violations of the Fair Credit Reporting Act ( FCRA ).
Section 607 ( b ) of the FCRA requires that credit reporting agencies ( CRAs ) maintain accurate information in consumer reports. If XXXX and XXXX are reporting conflicting information about the account 's payment status and date opened, the creditor may be in violation of this section. Additionally, Section 623 ( a ) ( 8 ) of the FCRA requires that CRAs include a consumer 's statement in their credit report if the consumer disputes the accuracy of any information in their file. If I have disputed the accuracy of the information with the CRA and they have not included my statement, the creditor may be in violation of this section.
This inaccurate information has had a significant impact on my life. Due to the negative information being reported, my credit score has dropped significantly, making it difficult for me to obtain loans or credit cards with reasonable interest rates. I have been denied job opportunities and apartments due to the false information being reported.
I am requesting that XXXX immediately remove the unverified collection account from my credit report. I also request that the CRAs include my statement disputing the accuracy of the information in their reports.
Furthermore, I would like to bring to your attention a potential violation of Section 611 ( a ) ( 1 ) of the FCRA, which requires that CRAs provide a free copy of the consumer 's credit report once every 12 months. If I have not received a free copy of my credit report from any of the CRAs in the past 12 months, they may be in violation of this section.
XXXX XXXX and the CRAs are reporting conflicting information regarding the high credit balance and date last active of my account. XXXX is reporting a high credit balance of {$3900.00}, while XXXX is reporting a balance of {$0.00}. Furthermore, XXXX is reporting a date last active of XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX and XXXX has not reported anything at all. This conflicting information may be a violation of Section 607 ( b ) of the FCRA, which requires that CRAs maintain accurate information in consumer reports.
Secondly, XXXX XXXX and the CRAs are not accurately reporting the date of delinquency on my account. This may be a violation of Section 623 ( a ) ( 2 ) of the FCRA, which requires that CRAs include the date of delinquency on any account that is reported as being delinquent.
Thirdly, the account is inaccurately reported as charged off or in dispute, which may be a violation of Section 623 ( a ) ( 5 ) of the FCRA, which requires that CRAs report the current status of the account accurately.
Lastly, I have not received a free copy of my credit report from any of the CRAs in the past 12 months, which may be a violation of Section 611 ( a ) ( 1 ) of the FCRA, which requires that CRAs provide a free copy of the consumer 's credit report once every 12 months.
XXXX regarding account XXXX. According to my credit report, this account is being reported differently by different credit reporting agencies, with XXXX and XXXX reporting it as a credit card, while Equifax is not reporting the account type at all. This discrepancy is a violation of Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies maintain accurate information in consumer reports.
In addition, I am concerned that there may be inaccuracies in the reporting of the date of delinquency and the current status of the account. According to XXXX and Equifax, I was 30 days late on XX/XX/XXXX, but XXXX shows that I made all payments on time. This discrepancy may be a violation of Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 5 ) of the FCRA, which require that credit reporting agencies report the date of delinquency and the current status of the account accurately.
This situation has had a significant impact on my life. As a result of these inaccuracies, my credit score has been negatively impacted, which has made it difficult for me to obtain credit and loans at reasonable rates. I have been unable to secure a mortgage to purchase a home and have had to put off other important financial decisions. These inaccuracies have caused me undue stress and hardship, which is unfair and unjust.
I am requesting that XXXX remove these unverified collection accounts from my credit report and take the necessary steps to ensure that my credit report accurately reflects my payment history and current account status.
XXXX XXXX and XXXX XXXX XXXX XXXX ( # XXXX ). I have been severely affected by these false reports, as they have made it nearly impossible for me to secure a loan or credit card with favorable terms.
According to my credit report from XXXX, XXXX XXXX has reported my account as being in collections or chargeoff with an unpaid balance. However, neither XXXX nor Equifax has reported anything on this account. Additionally, XXXX XXXX XXXX XXXX, to whom XXXX sold my account, has failed to provide me with any necessary paperwork or a signed agreement. As a result, I am disputing the accuracy of this report.
I believe that XXXX XXXX and/or the credit reporting agencies may be in violation of FCRA Section 607 ( b ) and 623 ( a ) ( 1 ) ( A ) for reporting incomplete and inaccurate information. Furthermore, FCRA Section 623 ( a ) ( 2 ) may have been violated due to the inaccurate reporting of the date of delinquency. Additionally, if XXXX XXXX XXXX XXXX is considered a debt collector, they may be in violation of FDCPA Section 809 ( b ) for failing to send me a written notice within five days of their initial communication, and FDCPA Section 807 ( 2 ) ( A ) for making false or misleading statements.
I want to emphasize how much this has affected my life. Due to these inaccurate reports, I have been denied credit and loans on numerous occasions. I have also had to pay higher interest rates on credit cards and loans that I was able to secure, leading to increased financial strain. This has caused me immense stress and has made it difficult for me to achieve my financial goals.
Therefore, I am requesting that these unverified collection accounts be removed from my credit report. I also urge the CFPB to enforce the laws that have been violated in this case to ensure that consumers are protected from such practices in the future.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
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03/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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05/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX To whom it may concern : On XX/XX/XXXX I called Equifax to request a full copy of my credit report, as well as I wanted to pay for my credit score.
For starters, I feel that my phone number is set up so that every time I call Equifax, I hit road blocks, my calls always go to the XXXX, or XXXX, somewhere out of the United States, every time this happens.
I always ask for them to please transfer me to a United States representative, then I have to wait for long periods of time, I get hung up on after waiting at times, and I have to call again, and again, and again.
I feel that my calls are intentionally being sent global, due to the fact that I have had to make, many, many, many complaints against Equifax to several agencies, for Equifaxs fraudulent, deceptive, malicious handling of my credit file for at least the past 6 years.
As well as I have had to have several attorneys to write them within the past 2 years, regarding their malicious deeds.
On XX/XX/XXXX when I called, my call went to it seems XXXX, I requested a United States representative, then I had to wait, and wait, so I hung up and called back.
Again, my call went to XXXX, but I was able to get this person to transfer my call to the United States.
The United States representative that I spoke to, I explained to her that I was calling to request a copy of my credit report, and I wanted to pay for my credit score.
The Equifax representative asked me all sorts of questions to verified who I was, then she asked me to wait on hold, after the wait, when she came back on the line, she decided that she wanted to charge me for my credit report as well.
At the beginning of my call, I had explained to the representative, that I was denied credit by XXXX XXXX, for their XXXX card recently, and I had been told by XXXX that I could receive a free copy of my credit report.
As well as I have not received my yearly free copy of my credit report from Equifax.
The representative insisted that I needed to pay for my credit report, she was not willing to understand that I was eligible for a full free copy of my report.
I asked the representative to please let me speak to a supervisor, she got a male on the phone, who claimed to be a supervisor, and from the time he got on the phone, with the way he was treating me, I could tell that he wasnt listening to anything that I was saying, he was going right along with the female representative that got him on the phone, as a supposed supervisor, all he did was give me a hard time.
He began by telling me that I had already received 5 copies of my credit report already for the year, which was not at all true, and he said that he was not able to provide me with a copy of my credit report, whether I purchased one or not, I could not get my credit report.
He also put me through this security question quiz, he first asked me for my social security number, I gave it to him, he then asked me to name 3 credit cards that I have, and the balances, I provided the information to him for nothing, because he had already asked me for my social security number, and the rep prior to him had also verified who I was. Basically they had me on the phone just for harassment purposes only, the so called supervisor did not sound at all genuine.
I am noticing, more and more, that every time now, when I call Equifax for my credit report, or score there is always a problem. They lie to me and tell me that I will be receiving the credit report, or the score that I had paid them for in 7 to 10 business days, and they have not been sending me the reports.
Or they claim that due to the fact that I complained on them, I have open disputes, and they cant provide me with a report until the dispute is done.
Even when I dont have open disputes, there is always some reason why I am not getting them to send me my credit reports, or my score, and as stated previously, even if I had paid for the score, they take my money, and dont send me the score in the mail, I have had to contact my card providers on more than one occasion to get my money back.
I have had to call my bank or credit card company on more than one occasion to request a refund for the money that I paid for the credit score, because they charge my cards, but they dont send me my reports or score, as I have requested.
What they are also doing to me when I call to request a credit report or my credit score, is they claim that they have to do a further security check on me, they say that there are a few questions that they need to ask me. They will ask me questions as to items on my credit report, such as did you purchases a vehicle between certain dates, then they name vehicles, and I have to choose the right one, or they ask me to name 3 credit accounts on my credit file, and even when I provide them with the correct answers, they claim that I am wrong, and they refuse to continue speaking to me, and they refuse to give me the report or credit score that I called them for, then they end the call, this has happened over and over to me since last year.
I can understand verifications, and I provide them with everything that they ask from me, but what they are doing to me now, is harassment, no matter how they verify my information, they refuse to provide me with my credit report, or score.
What they have done pretty much for the past few years, especially all of last year, out of spite, is when I have filed some sort of complaint against them, and I have had to file many, because of all of the deceptive, fraudulent things they have been doing with my credit file, is they refuse to send me a full credit report, what they do, is they might send me a one, two, or three page report, depending on where the Item that I had complained about, fell on the report pages, but they will not send me my full credit report, as I have been requesting.
Now I see that they are not trying to provide me with a credit report, at all.
They have also been spiteing me for years now, by doing whatever false fraudulent deception that they can do and get away with, to keep my credit score as low as possible, even though they know that my credit score should be much, much higher than where they have spitefully been keeping it for the past few years.
Ive applied for credit and been denied, due to the fact that Equifax continues to refuse to raise my credit score as high as where it should rightfully be.
For years now, they have been applying ( some of their Equifax rating codes ) that do not apply to me, and my credit file, yet they use their deceptive codes on my file, to keep my score in the toilet, I have complained, and complained, and complained, yet they still continue with their vindictive harassment practices.
Due to the fact of my having to fight Equifax for the past few years, for them insisting on reporting false fraudulent information on my credit file, and them refusing to remove it.
Or the fact of them removing my {$50000.00} plus dollars of paid off school loans off of my credit file, loans that had raised my credit score.
And the representatives at Equifax removed, and erased the paid off loans off of my credit file thereby drastically intentionally lowering my credit score.
They had no valid reason for removing the loans off of my credit file, they were reporting the loans incorrectly, they were reporting the loans as though they were transferred and differed when they werent, they were fully paid off, and I asked disputed and asked them to correct the false information that they were reporting about my loans, and instead, they completely took the loans off of my credit file.
And I have had other false derogatory information on my credit file that was not even mines, such as wrong addresses, where I have never lived, medical collection accounts that werent even mines, or for people that I didnt even know, as well as other collection accounts, and when I fight and get this fraudulent information, my credit score still wasnt raised. When they put false fraudulent information on my credit file, they take big chunks out of my score, even when the false lies that they had placed on my credit files have been removed, my score is still low, always in the toilet.
They have just continued to do so many treacherous things to my credit file, and my score for the past few years.
In XX/XX/XXXX I had contacted your agency, because Equifax was reporting my correct social security number on my credit file, as well as they were also reporting and attaching a fraudulent social security number onto my credit file.
A social security number in which they refused to remove off of my file, the fraudulent number that they were reporting, the only difference in that number and my social security number, was that my social began with a 5, and the fraudulent number began with a 4, but everything else was the same as mine.
And I always had concern that they had, had that fraudulent number on my credit file for not so good purposes.
Equifax reported this fraudulent number on my credit file for over a year, no matter how many times I disputed the fraudulent social security number on my credit file.
No matter who I contacted at Equifax to have it removed, no matter what agency I disputed this information with, Equifax insisted on leaving this fraudulent number on my credit file. Equifax did not remove the fraudulent number off of my credit file, until I contacted your agency in XX/XX/XXXX.
And even though the fraudulent social security number was no longer showing on the reports that I had received since XX/XX/XXXX, I always felt that somehow in their data base, the number was still there linked to my credit file.
Fast forward to last year XX/XX/XXXX, my Equifax credit file was one of the ones that got hacked into, and the representatives at Equifax did not advise me that my credit information had been breached.
The representatives at Equifax knew that my credit information had been breached, and they didnt tell me anything until months later after the breach took place.
Also, Equifax has been placing Alerts onto my credit file without my knowledge, or consent. They block my credit, and then they notify the other bureaus to do the same, without me knowing anything, and they repeatedly do this, even though I ask them not to. And when they do this, they lie to the other bureaus, claiming that I requested the alerts be placed onto my credit files, when in actuality, I did not.
I request at every telephone call that I place to Equifax, that they make sure that there are no phone numbers on my credit file, then I find that they are not honoring my request, even though they tell me that they are, I find that my telephone number that is unlisted, is being placed onto my credit file.
I tell them that I dont want to be blocked from promotions, I want the promotional offers, and then I find out that they have blocked me any way from the promotions.
Last XX/XX/XXXX, I went before a judge and had my name legally changed from my married name, to my maiden name, and I notified, and provided Equifax as well as the other credit bureaus with the legal documentation from the Judge of the court.
Equifax has my full legal name as it is now, and I asked that they record my name on my credit file, not showing my full middle name, only the initial if necessary.
If possible I would prefer my middle name and initial to be removed.
And even though Equifax allowed my credit information to be previously breached last year in XX/XX/XXXX, they have not honored my request regarding my name change.
What they have done instead, is that they have placed my full new legal name including my middle name onto my credit file, even though I asked them not to.
The malicious representatives at Equifax, are opening the door for my personal information to be breached once again.
They know what my former name was, they have all of the information on me, but instead of listing my name as I have requested, they have listed my full new legal name.
And they have refused to remove my former name from my credit, they are using my former name as an AKA, formerly known as ( XXXX ), I ask that they remove my former name from my credit file, and they have refused more than once.
So since XX/XX/XXXX, when I provided them with my new legal name, they have been putting all of my new information out there for all of the world to see, they are damaging my identity even further.
( I have attached a copy of the page showing how they have my name listed on my credit file ).
( And I have also attached a copy of the letter that I provided to Equifax regarding my name change ).
( And I am also attaching a copy of a certified letter, dated XX/XX/XXXX, in which an attorney from the law office of XXXX XXXX XXXX XXXX. wrote to Equifax advising them of how they are harming me by not removing my former name from my credit file.
Equifax should not have placed my former name on my credit file, since I provided them with documented proof of my legal name change in XX/XX/XXXX of this year ).
( XXXX ), my former name is not supposed to appear on my credit file at all, and on XX/XX/XXXX when I spoke to that useless supervisor XXXX, from ( team XXXX ), as he claimed.
XXXX told me that, ( XXXX ), was still listed on my credit file, and he refused to do anything about removing my former last name off of my credit file.
And he also refused to contact whomever had the ability to take my former last name off of my credit file.
Its not his life that is being messed up, so he just didnt care, all he wanted to know was that he was being a road block in my life.
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06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX FI Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, TX XXXX Equifax Information Services LLC, XXXX XXXX XXXX XXXX, GA XXXX.
XX/XX/XXXX Re : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by the companies listed below : 1. XXXX XXXX XXXX XXXX XXXX XXXX Account Number Unknown My Fair Credit Reporting Act Consumer Rights have been violated. The accounts listed above have violated my FEDERAL given CONSUMER RIGHTS to PRIVACY amongst other things.
Both negative items are listed in the file you ( Equifax ) maintain under my social security number.
Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and reportability of these two listings.
XXXX XXXX XXXX has violated FEDERAL LAW - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Equifax has aided this company in this violation of this Federal Law - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Simply put, this consumer law states the following.
A Financial Institution MAY NOT, directly, or indirectly, disclose to a NON-AFFILIATED THIRD PARTY any NONPUBLIC PERSONAL INFORMATION unless such Financial Institution gives the following disclosures.
1 ) First disclosure is the Financial Institution letting a consumer know they will disclose information to the non-affiliated third party.
2 ) Second disclosure is the Financial Institution gives the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party 3 ) Third disclosure is the Financial Institution giving the consumer an explanation so that the consumer can exercise the NONDISCLOSURE OPTION!
I, XXXX XXXX as the consumer was not provided with any disclosures at all from this third party and I have never been in contract or any type of business with this third party, yet Equifax has allowed this third party access to my nonpublic personal information.
I know that I have a right to privacy when it comes to my NON-PUBLIC PERSONAL INFORMATION.
I also have the right to NOT DISCLOSE any of my NON-PUBLIC personal information.
This means that if the Original Lender and/or Debt Collector furnishes my NONPUBLIC PERSONAL INFORMATION to a nonaffiliated third party without my written consent, they are in clear violation of the Financial Privacy Act.
XXXX XXXX XXXX and XXXX DO NOT have any written consent listed on their files for me saying that anyone can disclose my nonpublic information.
XXXX XXXX XXXX nor XXXX can provide you with my LAWFUL WET SIGNATURE proving that they have my written consent to disclose my nonpublic information, yet Equifax has allowed these two FRAUDULENT companies access to my consumer report WITHOUT my written consent!!!!
This fact makes Equifax also in violation of The FCRA is 15 U.S. Code 1681 and all its Chapters and Subchapters.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Breakdown for your understanding : The consumer reporting agencies MAY only report anything to my consumer report if I have given them WRITTEN INSTRUCTIONS.
I am the consumer to whom this FEDERAL LAW relates!
Equifax has aided this company in this violation of this Federal Law listed below also : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; BREAKDOWN for your understanding : This law clearly states that I am entitled to ACTUAL DAMAGES as a result of the failure or {$1000.00}, whichever is greater, if someones obtains my consumer report without PERMISSABLE PURPOSE!
XXXX XXXX XXXX is a third party that I have never done business with. They can not provide you with any evidence of Permissible Purpose to be on my consumer report or have access to my consumer report.
Equifax has aided this company in this violation of this Federal Law listed below also : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Breakdown for your understanding : 1 ) The banks depend on accurate reporting. Inaccurate reporting affecting the banking systems efficiency. Unfair credit reporting affects your confidence in the banking system.
2 ) My credit worthiness, credit standing, credit capacity, character and reputation are dependent on Equifax reporting system.
3 ) The consumer reporting agencies have a major responsibility in reporting accounts to my consumer reports 4 ) I have the right to privacy! And Equifax have the responsibility to respect my privacy with Fairness and Impartiality.
I know thats a lot of information, but I hope that this breakdown helps you understand my consumer rights and how this all ties together.
Equifax has aided this company in this violation of this Federal Law listed below also : 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Breakdown for your understanding : 1. The term consumer report is what most people call a credit report.
2. The person making the report is the company who reported the charge off or collection to my consumer report.
3. I AM the consumer.
4. Transactions are all forms of transactional history! That means on time payments, late payments missed payments, partial payments, delinquent payments, wages, salary, etc are all forms of TRANSACTIONS!
5. Utilization is an EXPERIENCE created by credit card usage. If I dont use a credit card ( s ), I wont create an experience.
However, when I use my credit card ( s ), I, the consumer is creating shopping experiences, reward and/or point experiences etc. Utilization is an Experience due to it being created when I use my credit card ( s ).
6. TRANSACTIONS & EXPERIENCES reporting in my consumer report is ILLEGAL due to it being a violation of this law, which was given to us by Congress.
Keep this in mind, any violation of my consumer rights is a violation of Federal laws, and any violation of Federal laws is ILLEGAL!
Equifax has aided this company in this violation of this Federal Law listed below also : 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Breakdown for your understanding : The consumer reporting agencies must follow certain procedures when reporting anything to my consumer report that will produce Maximum Possible Accuracy!
How are these accounts on my consumer report reporting to maximum accuracy if I did not give them Permissible Purpose?
I want you to understand this.
Permissible Purpose equals Written Instructions. Permissible Purpose grants consent. Without Permissible Purpose, its Identity Theft!
Its identity theft because Equifax has allowed someone to report a collection to my consumer report, using my social security number, on my behalf, without my WRITTEN INSTRUCTIONS to do so.
Equifax has aided this company in this violation of this Federal Law listed below also : 18 USC 1028A- AGGRAVATED IDENTITY THEFT 18 USC 1028A- Aggravated Identity Theft a ) OFFENSES. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
Breakdown for your understanding : Whoever knowingly transfers, possesses, or uses my information unlawfully can be sentenced to 2 years of imprisonment as well as punishment for this felony act.
Equifax has aided this company in this violation of this Federal Law listed below by not blocking access to my personal information being that I have 2 Police Reports on file with your agency for year dated 2008 and 2014.
Equifax was not provided my written consent per FEDERAL LAW for permission for this third party company to access my nonpublic information.
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Anything resulting from Identity Theft must be deleted from my consumer report no later than 4 business days after the date Equifax receives this notice.
I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT!
I do not have faith in the vital role you have in assembling my consumer report due to your willful noncompliance and negligence. You have not exercised your grave responsibility in fairness, impartiality and respecting my PRIVACY!
In Conclusion, you have been put on notice about violating my Congress given FCRA rights by allowing these accounts to report to my consumer report. Delete the accounts referenced from my consumer report IMMEDIATELY. Also, send a copy of my consumer report with the updated information. Thanks in advance.
Please DELETE and BLOCK the following from my consumer report for they are violations of Federal Law : XXXX XXXX XXXX Third Party Collection Account I do not have a contract with this third party. There is no Permissible Permission for this company to be on my report nor have access to my report.
XXXX Identity Theft There is no Permissible Permission for this company to be on my report nor have access to my report.
XXXX XXXX Identity Theft I do not have a contract with this company.
Dept of EducationXXXX This account has no records or contracts on me so should be deleted and blocked.
XXXX XXXX No transaction history should be reporting on my consumer report for this company. This violation needs to be deleted.
Delete all accounts listed above from my consumer report, your agency is in clear violation of 15 USC 1681 and all of its subsections. Failure to respond satisfactorily with the deletion of the above referenced accounts, and send a free copy of my consumer report when these accounts have been deleted will result in legal action being taken against your agency, for which I will seek {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 4. Possible Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 5. Aggravated Identity Theft per 18USC 1028 6. Mental Anguish I hope you understand the severity of the situation.
|
04/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : ACCOUNT NUMBER : US DEPT ED ACCOUNT NUMBER : XXXX US DEPT ED ACCOUNT NUMBER : XXXX US DEPT ED ACCOUNT NUMBER : XXXX USDOE XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( XXXX XXXX ) BANK ACCOUNT XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER:XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accurac
y ... ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g (Sec. 809) that your claim is disputed and validation is requested. I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information: 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.6. Please provide a complete account history, including any charges added for collection activity. You have thirty (30) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report(s) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g (Sec. 809) that your claim is disputed and validation is requested. I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information: 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.6. Please provide a complete account history, including any charges added for collection activity. You have thirty (30) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report(s) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
EQUIFAX XXXX XXXX XX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX/XXXX/XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX/XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX/XXXX XXXX XXXXXXXXXX/XX/XXXX
XXXXXX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXX
XXXX/XXXX XXXX XXXXXX/XX/XXXX
XXXXXX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXX
XXXXXX/XX/XXXX
XX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XX/XX/XXXX
XXXXXX/XX/XXXX
XXXX XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
30 days past due
None Reported
30 days delinquent
Balance
$XXXX
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Account renewed or refinanced
Worst Delinquency
90 days past due
90 days delinquent
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
Payment Status
Account paid satisfactorily
Worst Delinquency
No update received
Balance
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXXn CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
Payment Status
Pays account as agreed
Worst Delinquency
None Reported
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Paid or paying as agreed
Account paid satisfactorily
Worst Delinquency
None Reported
No update received
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX/XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
Payment Status
Account paid satisfactorily
Worst Delinquency
No update received
Balance
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
World Finance Corporatio CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Paid or paying as agreed
Account paid satisfactorily
Worst Delinquency
None Reported
No update received
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
None Reported
None Reported
30 days delinquent
Balance
$XXXX $XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX/XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
Payment Status
Account renewed or refinanced
Worst Delinquency
No update received
Balance
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX, XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Account paid satisfactorily
Worst Delinquency
None Reported
No update received
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Not more than three payments past due
Paid account/was delinquent 60 days past due date
Worst Delinquency
60 days past due
60 days delinquent
Balance
$XXXX
Credit Limit
$XXXX
$XXXX 2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
Payment Status
Paid account/XXXX balance
Worst Delinquency
No update received
Balance
Credit Limit
$XXXX 2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Paid or paying as agreed
This is an account in good standing
Worst Delinquency
None Reported
No update received
Balance
$XXXX
Credit Limit
$XXXX 2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX/XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
Payment Status
Unpaid balance reported as a loss by credit grantor
Worst Delinquency
Charge Off/Other Derog
Balance
Credit Limit
$XXXX 2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Paid or paying as agreed
Paid account/XXXX balance
Worst Delinquency
None Reported
No update received
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
Payment Status
Pays account as agreed
Worst Delinquency
None Reported
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX CLOSED
EQUIFAX XXXX XXXX
Last Updated
XX/XX/XXXX
Payment Status
Account paid satisfactorily
Worst Delinquency
No update received
Balance
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
Payment Status
Pays account as agreed
Worst Delinquency
None Reported
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX XXXX XXXX/
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Not more than two payments past due
30 days past due
Account 30 days past due date
Worst Delinquency
None Reported
None Reported
30 days delinquent
Balance
$XXXX $XXXX $XXXX Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
30 days past due
None Reported
30 days delinquent
Balance
$XXXX $XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Account renewed or refinanced
Worst Delinquency
90 days past due
90 days delinquent
Balance
$0
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX/XXXX EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
30 days past due
Account was delinquent 60 days past due date/now 30 days past due date
Worst Delinquency
60 days past due
60 days past due
60 days delinquent
Balance
$XXXX $XXXX
$XXXX Credit Limit
$XXXX $XXXX $XXXX Credit Utilization
106%
109%
109%
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
Payment Status
Paid or paying as agreed
Worst Delinquency
None Reported
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX XXXX
EQUIFAX XXXX XXXX
Last Updated
XX/XX/XXXX
Payment Status
Unpaid balance reported as a loss by credit grantor
Worst Delinquency
Charge Off/Other Derog
Balance
$XXXX Credit Limit
$XXXX Credit Utilization
105%
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX XXXX
EQUIFAX XXXX XXXX
Last Updated
XX/XX/XXXX
Payment Status
Unpaid balance reported as a loss by credit grantor
Worst Delinquency
Charge Off/Other Derog
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
Payment Status
Current account/was delinquent 90 days past due date
Worst Delinquency
90 days delinquent
Balance
$XXXX Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX - XXXX EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent 90 days past due date
Worst Delinquency
90 days past due
90 days past due
90 days delinquent
Balance
$XXXX $XXXX $XXXX Credit Limit
$XXXX $XXXX
$XXXX 2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX XXXX
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was 30 days past due date
Worst Delinquency
30 days past due
None Reported
30 days delinquent
Balance
$XXXX $XXXX $XXXX Credit Limit
$XXXX $XXXX $XXXX Credit Utilization
83%
83%
83%
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
None Reported
None Reported
30 days delinquent
Balance
$XXXX $XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Not more than three payments past due
Paid account/was delinquent 60 days past due date
Worst Delinquency
60 days past due
60 days delinquent
Balance
$XXXX
Credit Limit
$XXXX
$XXXX 2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX/XXXX CLOSED
EQUIFAX XXXX XXXX Last Updated
XX/XX/XXXX
Payment Status
Unpaid balance reported as a loss by credit grantor
Worst Delinquency
Charge Off/Other Derog
Balance
Credit Limit
$XXXX 2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
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03/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
It has been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE This will be my THIRD attempt to settle this matter. Final opportunity to cure before default judgment.
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' My personal information has been abused and is being reported to multiple agencies without my oral or written consent.
( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. Utilization tracking and marking payments as received late are unlawful according to federal regulations.
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
P.L 90-321 ( 82 Stat. 146 ) which is the law that backs the code and is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I have not provided either of these companies with written instructions nor permission to furnish any items on my consumer report.
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation There are multiple accounts on my consumer report that violate this federal regulation. They are listed as follows : 1. XXXX XXXX XXXX XXXX Acc XXXX XXXX 2. XXXX XXXX Acc # XXXX 3. XXXX XXXX XXXX Acc # XXXX ( ending in XXXX ) 4. XXXX XXXX Acc # XXXX 5. XXXX XXXX XXXX XXXX Acc # XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
This will be my THIRD time disputing this unlawful information being furnished on my consumer report. I have previously made these concerns aware to the furnishers of the information as well as to the creditors but to no avail. I included the proper identification documents and a copy of the FTC Identity theft report filed on XX/XX/XXXXXXXX reference number XXXX. This is the FINAL opportunity to cure before default judgment is rendered and a federal claim is initiated for all parties involved due to violations of federal regulations and securities fraud.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the user certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
I have also included a copy of my consumer report from XXXX with all of the INACCURACIES marked in red ink.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking federal law.
15 U.S. Code 1681o - Civil liability for negligent noncompliance In general ( 1 ) any actual damages sustained by the consumer as a result of the failure 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. This has never happened in my case.
Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and These agencies have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974.
Opt Out Laws PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope.
( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.
12 CFR 1016.4 Initial privacy notice to consumers required.
12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
I have previously provided each creditor with written, notarized statements demanding my right to opt-out of their authorization to divulge my non-public personal information to any outside party. The copies are attached as well. A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S. Code 6805 - Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
I am requesting a thorough investigation into these agencies and their discriminatory practices of furnishing non-public personal information causing harm and duress to millions of Americans.
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09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear XXXX, EQUIFAX, and XXXX The Accounts Below Violates My Rights and the FCRA!!! DELETE IMMEDIATELY, OR I WILL TAKE LEGAL ACTION AND FINE YOU {$1000.00} FOR EACH VIOLATION IN COURT!!!
TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF ASAP.
XXXX/EQUIFAX/XXXX IT IS A FCRA VIOLATION TO REPORT ANY INACCURATE INFORMATION TO MY CREDIT REPORT. YOU HAVE REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AS A PREVIOUS ADDRESS OF MINE, My address is XXXX XXXX XXXX XXXX, fl XXXX Its XXXX my ID and all my identifying documentation. I have never lived at those previous addresses, so, XXXX, EQUIFAX & XXXX can you please remove those other ( XXXX ) addresses from my credit report, or else my lawyer and I will sue you for up to {$1000.00} per FCRA Violation? Also, XXXX, EQUIFAX, AND XXXX, I DEMAND YOU TO REMOVE ANY ACCOUNTS WITH THOSE PREVIOUS ADDRESSES ATTACHED TO THEM. THOSE WERE NEVER MY ADDRESS, AND YOU NEED TO REMOVE THAT XXXX NOW!!! BEFORE THIS XXXX GETS UGLY XXXX, XXXX, AND EQUIFAX I DEMAND ALL THREE CREDIT XXXX ADD THE CORRECT XXXX SPELLING OF MY XXXX NAME TO MY CREDIT REPORT!!! THIS IS SOME XXXX XXXX!!! MY XXXX NAME IS XXXX XXXX!!! THATS HOW I SPELL MY NAME SO TAKE THE REST OF THAT XXXX OFF MY REPORT!!! ALL THREE CREDIT BEAURAS ( XXXX, XXXX, AND EQUIFAX ) ALSO NEED TO ADD THE CORRECT XXXX BIRTHDATE TO MY CREDIT REPORT. MY BIRTHDAY IS XX/XX/1998, THATS IT, AND THATS ALL, SO I DEMAND ALL THREE CORPORATIONS TO UPDATE MY NAME AND BIRTHDATE NOW!!!
XXXX IT IS A FCRA VIOLATION TO REPORT ANY INACCURATE INFORMATION TO MY CREDIT REPORT, AND YOUR CORPORATION DOES NOT REPORT ANYTHING TO MY CREDIT REPORT. NOT MY ACCURATE NAME, WHICH IS XXXX XXXX, NOT MY ACCURATE BIRTHDAY, WHICH IS XX/XX/1998, AND YOU ALSO DO NOT REPORT MY ACCURATE ADDRESS TO MY CREDIT REPORT, WHICH IS XXXX XXXX CT, XXXX, FL XXXX. So, I DEMAND YOUR CORPORATION TO UPDATE MY REPORT IMMEDIATELY TO AVOID A FCRA FINE OF {$1000.00} EACH VIOLATION.
XXXX XXXX XXXX TO REPORT MY PAID OFF LOAN ALSO NEEDS TO REPORT MY FINATION CREDIT LOAN TO MY REPORT. I NEVER SAW THIS ON MY REPORT AS OF YET IT'S BEEN PAID OFF FOR 3 YEARS. THAT ACCOUNT AND MY STUDENT LOAN SHOULD BE MY ONLY REPORTED ACCOUNT, AND I HAVE NEVER MISSED A PAYMENT. Account Name : FINATION CREDIT Account XXXX XXXX I do not live in OHIO. I DEMAND YOU TO UPDATE MY ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX!! I LIVE IN XXXX, FL NOT IN XXXX, OR XXXX OHIO THESE ARE FCRA VIOLATIONS, AND I DEMAND ALL CREDIT BEAURAS TO UPDATE MY INFORMATION IMMEDIATELY TO, OR ELSE I WILL FINE YOU {$1000.00} PER FCRA VIOLATION!!!
The Accounts Below Are 1000 % FCRA Violations and NEEDS TO BE FULLY REMOVED FROM MY XXXX AND XXXX CREDIT REPORT, OR there WILL BE SOME XXXX LEGAL ACTION BEING TAKEN!!!! THESE ACCOUNTS ARE INACCURATE, AND ACCORDING TO THE FCRA, THAT IS XXXX XXXX!!!! SO, REMOVE THE ACCOUNTS LISTED BELOW NOW!!!!!
Account Name : XXXX XXXX Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.ALSO THE DATE LAST ACTIVE ARE COMPLETELY DIFFERENT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX - XXXX THE ABOVE ACCOUNT BY XXXX XXXX XXXX ( Original Creditor : XXXX ) WAS 100 % FRAUDulent, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account XXXX : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX **** - XXXX THE ACCOUNT LISTED ABOVE BY XXXXXXXX XXXXM, XXXX ( Original Creditor : XXXX XXXX ) IS 100 % A FCRA VIOLATION, AND THE FURNISHER TRIED TO CORRECT IT, BUT THEY DID NOT REMOVE IT FROM MY XXXX REPORT. EVERYTHING ABOUT THIS ACCOUNT IS WRONG. THE DATE LAST ACTIVE THE OPENED DATE. AND ALSO, THE FRAUD THAT THE FURNISHER IS NOW PULLING BY TRYING TO KEEP THIS ACCOUNT ON MY XXXX.XXXX CREDIT REPORT.
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX.XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX XXXX Account Number : XXXX - XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX/XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!!
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX XXXX Account Number : XXXX - XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXXCREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! ALSO, THE DATE LAST REPORTED, AND LAST ACTIVE ARE SO XXXX WRONG THE INFORMATION YOU guys ' GIVE IS TERRIBLE!
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX XXXX XXXX Account Number : XXXX - XXXX/XXXX XXXX DEMAND XXXX CORPORATION REMOVE THIS FROM MY XXXX/XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! ALSO THE DATE LAST ACTIVE ARE WRONG WRONG WRONG!!! XXXX XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX Account Number : XXXX **** - XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!!
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX XXXX Account Number : XXXX XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!!
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!!
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX - XXXX THE ABOVE ACCOUNT BY XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) IS 100 % FRAUD. I DID NOT OPEN THAT ACCOUNT AT ALL, AND IT NEEDS TO BE REMOVED FROM MY XXXX CREDIT REPORT IMMEDIATELY. I WILL REACH OUT TO LOCAL AUTHORITIES AND XXXX XXXX XXXX AND XXXX XXXX IF THIS ACCOUNT IS NOT FULLY REMOVED FROM MY XXXX CREDIT REPORT!!!
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXXXXXX THE ACCOUNT LISTED ABOVE BY XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) IS 100 % A FCRA VIOLATION, AND THE FURNISHER TRIED TO CORRECT IT, BUT THEY DID NOT REMOVE IT FROM MY XXXX REPORT. EVERYTHING ABOUT THIS ACCOUNT IS WRONG. THE DATE LAST ACTIVE IS NOT KORRECT AT ALL, THE FRAUD THAT THE FURNISHER IS NOW PULLING BY TRYING TO KEEP THIS ACCOUNT ON MY XXXX CREDIT REPORT.
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXXXXXX XXXX XXXX Account Number XXXX **** - XXXX THE ABOVE ACCOUNT BY XXXX FNBK XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX CARD Account Number XXXX - XXXX/EQUIFAX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX CARD Account Number XXXX - TRANSUNION XXXX ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
THE ABOVE ACCOUNT HAS VIOLATED THE FCRA 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! AND I DID NOT OPEN THIS ACCOUNT. REMOVE IT!!!
WHEN DONE WITH YOUR INVESTIGATION, I WILL NEED A FULL UPDATE SENT BACK TO ME FROM XXXX XXXX AND EQUIFAX!!!
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04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXXXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Equifax is not allowing me to see my full credit report and score. Seeing that my credit is of the utmost importance to me. This is affecting my ability to move forward with important matters that can further my life. This is very frustrating, especially during pandemic times. I am unable to access my full credit report.. Attached in this dispute are my verifying documents. A copy of drivers license and ssn card.
I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/2021 ) ( report XXXX XXXX ) with ( XXXX XXXX Police Department. I, ve also mailed in certified letters to Equifax Certified mail receipt code ( XXXX XXXX XXXX XXXX XXXX XXXX ). I received nothing. I'm also sure my information was leaked due to the information breach with Equifax. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to Equifax security breach.The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) He notice several instances where Equifax are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. Equifax continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that Equifax did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Equifax will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Equifax has violated the FCRA.. Equifax has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XX/XX/2021 ).
*****only correct name on credit report should be spelled as followed ( XXXX XXXX ) Any other name or mispelling should be removed immediately.
***** ( FRAUDULENT ADDRESSES ) ***** XXXX XXXX XXXX XXXX, GA XXXX ***** ( FRAUDULENT ACCOUNTS ) ***** XXXX RECOVERY SYS Original creditor : XXXX EMERGENCY SPECIALISTS {$650.00} Balance updated XX/XX/2021 XXXX Collection opened XXXX XXXX, 2021 ***** ( FRAUDULENT INQUIRIES ) ***** These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case.
XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX President, Chief Legal XXXX Equifax XXXX XXXX XXXX XXXX XXXX Non-executive XXXX Equifax XXXX XXXX XXXX Equifax XXXX Equifax XXXX XXXX XXXX am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross referenced to the .U.S Code is at the end of this document.Section 623 imposes the following duties upon furnishers : Accuracy Guidelines. The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available atwww.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ).
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ).
Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The CFPBs website, www.consumerfinance.gov/learnmore, has more information about theFCRA, including publications for business and the full text of the FCRA.Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue.
I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
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05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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TODAY IS XXXX XXXX XXXX My First & LAST name, are as Follows : XXXX XXXX XXXX XXXX My Street NUMBER & Street NAME are as Follows : XXXX XXXX XXXX XXXX XXXX My City and State are as Follows : XXXX, Georgia ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECI, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any misinformation now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights ( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
RE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physical verifiability of the CONFIRMED manual.
validation of any item upon a consumer complaint such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
To whom it might concern, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogator item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across several mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and never!
Below are the accounts in question : Account Name XXXX Account Number Account Number : XXXX Account name XXXX XXXXXXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name DEPT OF ED/XXXX Account Number : XXXX Account Name DEPT OF ED/XXXX Account Number : XXXX Account Name DEPT OF ED/XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Fresh Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name World Finance Account Number XXXX Account Name OXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or elsewise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks.
Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumer 's credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This letter is regarding my account ( s ) with you, as noted above-> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse accounts ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above-> ( unlawfully so mind you ). It seems to be asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws.
Please note that I am requesting " validation '' ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreements ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance -> the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the account 's payment history as " paid or pays as agreed, NEVER LATE entry ''.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports. Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX+ per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reporting ) as is mandated by my State 's laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA, my State 's credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IN BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the account 's history as being " PAID/PAYS as AGREED -- NEVER LATE ''. Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have without any delays, directed each to eliminate any and all adverse remarks and further to display.
" PAID or PAYS as AGREED, NEVER LATE! " Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. Nevertheless, these accounts have been unlawfully sold to other corporations.
In genuine sincerity, XXXX XXXX
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11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Equifax is not allowing me to see my full credit report and score. Seeing that my credit is of the utmost importance to me. This is affecting my ability to move forward with important matters that can further my life. This is very frustrating, especially during pandemic times. I am unable to access my full credit report.. Attached in this dispute are my verifying documents. A copy of drivers license and ssn card.
I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/2021 ) ( report XXXX XXXX ) with ( XXXX XXXX Police Department. I, ve also mailed in certified letters to Equifax Certified mail receipt code ( XXXX XXXX XXXX XXXX XXXX XXXX ). I received nothing. I'm also sure my information was leaked due to the information breach with Equifax. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to Equifax security breach.The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) He notice several instances where Equifax are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. Equifax continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that Equifax did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Equifax will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Equifax has violated the FCRA.. Equifax has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XX/XX/2021 ).
*****only correct name on credit report should be spelled as followed ( XXXX XXXX ) Any other name or mispelling should be removed immediately.
***** ( FRAUDULENT ADDRESSES ) ***** XXXX XXXX XXXX XXXX, GA XXXX ***** ( FRAUDULENT ACCOUNTS ) ***** XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$650.00} Balance updated XX/XX/2021 XXXX Collection opened XX/XX/2021 ***** ( FRAUDULENT INQUIRIES ) ***** These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case.
XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Corporate Vice President, Chief Legal XXXX Equifax XXXX XXXX XXXX XXXX XXXX Non-executive chairman Equifax inc XXXX XXXX Equifax CEO Equifax XXXX XXXX XXXX am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross referenced to the .U.S Code is at the end of this document.Section 623 imposes the following duties upon furnishers : Accuracy Guidelines. The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available atwww.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ).
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ).
Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The CFPBs website, www.consumerfinance.gov/learnmore, has more information about theFCRA, including publications for business and the full text of the FCRA.Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue.
I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
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11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My name XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX The last 4 of my SSN # XXXX My Only XX/XX/XXXX I have asked for proof of ( metro2compliance ) proof of original sign Consumer contract, proof of identity, proof of signature on any of the alleged debt three times nowIve sent paper work and complaints from the US Justice Department ( XXXX ) CFPB COMPLAINTS ) - ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH - CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO XXXX-EQUIFAX-XXXX XXXX XXXX XXXX XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) -clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports XXXX Yet XXXX EQUIFAX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to ( 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of ( Metro2 compliance ). Provide me with the ( Metro2compliance ) -disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, ( collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed inCollection/Charge-Off Status ) -WITHOUT mailing me a copy of ( IRS form 1099-C Cancellation of Debt. ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX-XXXX-EQUIFAX- XXXXXXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file -IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved I [ XXXX XXXX XXXX XXXX issue this urgent and non- negotiable Affidavit of Truth . I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as I also serve as my agent and attorney-in-fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX XXXX-EQUIFAX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are in blatant violation of the following U.S. codes and legislation for the reasons specified : ( 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. ( 15 U.S. Code 1681s-2 : ) : Failure to correct and update inaccurate information in my consumer reports. : -immediate and complete removal of my personal information from your website, company records, and any affiliated entities.
Failure to comply will result in further legal action.
Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and Equifax are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.
15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.
15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.
15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.
15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.
15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.
H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.
Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.
Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.
Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties.
Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk.
Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization.
2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data.
3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing.
4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations.
5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.
Non-Consent and Settlement : Final Warning and Unambiguous Clarification15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers.
1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Delete all information in the employer section.
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections AS OF XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement.
To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " XXXX '' consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose.
" A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d711 ( S.D. Ind. 2003 ).
15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. On the date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX came before me today as a flesh and blood living being ( non-entity/non debtor ) under oath to the highest of creation only and provided the facts listed herein.
( Fraudulent ) Account name Account number Date Open Dollar Amount XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$900.00} INQUIRIES DATES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( FRAUDULENT ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, CA XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX CA XXXX Resident typeSingle family XXXX XXXX XXXX # XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family15 U.S. Code 1681c2 - Block of information resulting from identity theft * U.S. Code * Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft,
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04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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These accounts, all of these hard, AND soft inquires need to be removed from my Equifax credit report as they are fraudulent. Listed below:
XXXX XXXX XXXX
Reported balance
$0
Actual payment amount
Date of last payment
Past due amount
Account status
Pays account as agreed
Date reported
XX/XX/XXXX
XXXX XXXX XXXX Reported balance
$0
Actual payment amount
Date of last payment
Past due amount
Account status
Pays account as agreed
Date reportedXX/XX/XXXX
XXXX XXXX XXXX XXXX
Account status
Closed
Age of Account
17 days
Late payments
0
CAPITAL XXXX XXXX XXXX XXXX
Account status
Closed
Age of Account
1 month 11 days
Late payments
0
XXXX XXXX XXXX
Account status
Closed
Age of Account
6 days
Late payments
0 XXXX XXXX XXXX Account status
Closed
Age of Account
5 months 6 days
Late payments
0
Inquiries (200)
Hard Inquiries (19)
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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06/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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100 % MEDICAL COVERAGE THESE WERE ALL PAID FOR BY MEDICAL INSURANCE PROVIDER Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$110.00} Amount {$110.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code JOINT_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$21.00} Amount {$21.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$49.00} Amount {$49.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$1.00} Amount {$0.00} Status Date XXXX / XXXX / XXXX Status PAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$31.00} Amount {$31.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$10.00} Amount {$10.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$52.00} Amount {$52.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$1.00} Amount {$0.00} Status Date XXXX / XXXX / XXXX Status PAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$15.00} Amount {$15.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$19.00} Amount {$19.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$31.00} Amount {$31.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$52.00} Amount {$52.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$33.00} Amount {$33.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$21.00} Amount {$21.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$52.00} Amount {$52.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$15.00} Amount {$15.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$110.00} Amount {$110.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$5.00} Amount {$5.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$10.00} Amount {$10.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$11.00} Amount {$11.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$31.00} Amount {$31.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$62.00} Amount {$62.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$100.00} Amount {$100.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$170.00} Amount {$170.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$68.00} Amount {$68.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code JOINT_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX ALL MEDICAL DEBTS HAVE BEEN PAID BY MEDICAL INSURANCE Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$10.00} Amount {$10.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments
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04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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These accounts, all of these hard, AND soft inquires need to be removed from my XXXX credit report as they are fraudulent. Listed below:
XXXX XXXX XXXX
Reported balance
$0
Actual payment amount
Date of last payment
Past due amount
Account status
Pays account as agreed
Date reported
XX/XX/XXXX
XX/XX/XXXX
Reported balance
$0
Actual payment amount
Date of last payment
Past due amount
Account status
Pays account as agreed
Date reported
XX/XX/XXXX
XX/XX/XXXXAccount status
Closed
Age of Account
17 days
Late payments
0
XX/XX/XXXX
Account status
Closed
Age of Account
1 month 11 days
Late payments
0XX/XX/XXXX
Account status
Closed
Age of Account
6 days
Late payments
0
XX/XX/XXXX
Account status
Closed
Age of Account
5 months 6 days
Late payments
0
Inquiries (200)
Hard Inquiries (19)
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX reached out to XXXXEQUIFAX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( XXXX ) XXXX EQUIFAX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXXEQUIFAX then XXXX you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/Equifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED Equifax, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ( ACCOUNT NAME ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIve sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity theftam aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733 . ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/XXXXinto the XXXX FTC XXXX Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXXnto the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX XXXXEQUIFAX ) CONTINUE TO REPORT FRAUDULENT ACCOUNTS ACCOUNT NAME ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.
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12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX2021, XXXX XXXX. XXXX XXXX is reporting my auto loan payments as LATE PAYMENTS. Finance charges was included which is the sum of all payments.There should be no late payments for this account. XXXX is also reporting XXXX, XXXX, and XXXX as 60 days late for each month. A personal can not be 60 days late in a month!!! I ATTACHED XXXX OF MY MOST RESENT CREDIT REPORT FOR PROOF THAT XXXX XXXX IS REPORTING INACCURATELY ON MY CREDIT REPORT. I HAVE DISPUTED THIS INFORMATION ONCE. I RECIEVED A CALL FROM XXXX ABOUT THIS INACCURATE REPORT. BUT MY CREDIT REPORT WAS NOT UPDATED. Refer to LAWS of 15 USC 1605 AND 15 USC 1666 ALLY FINANCIAL IS VIOLATING CONSUMER LAWS 15 USC 1605 ( a ) ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction.
( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.
( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness.
( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.
( 2 ) Fees for preparation of loan-related documents.
( 3 ) Escrows for future payments of taxes and insurance.
( 4 ) Fees for notarizing deeds and other documents.
( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing.
( 6 ) Credit reports.
( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter ; and ( 2 ) shall be treated as being accurate for purposes of section 1635 of this title if ( A ) except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended; or ( B ) in the case of a transaction, other than a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, which ( i ) is a refinancing of the principal balance then due and any accrued and unpaid finance charges of a residential mortgage transaction as defined in section 1602 ( w ) 1 of this title, or is any subsequent refinancing of such a transaction ; and ( ii ) does not provide any new consolidation or new advance ; if the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one percent of the total amount of credit extended.
AND LAW 15 USC 1666 Correction of consumer errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
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05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/XXXX as per my previous CFPB complaints I have mailed multiple documents to XXXX regarding the wrong non deliverable address reporting on my credit report as well as my request to OPT OUT of my Payment/ Transaction History reporting on my credit report. XXXX had disregarded disputes and has failed to send proof of their investigations. They have ignored my request for contracts signed by me to be provided for XXXX XXXX XXXX which I never had a contract with. XXXX has ignored the law and has violated my rights by reporting my trans action history without my consent. XXXX continues to report inaccurate information on student loan accounts that have been proven to be resolved and no longer reports on EQUIFAX AND XXXX. Two accounts showing as US DEPT OF ED/XXXX Shoes as XXXX balnce on XXXX and is completely removed from Equifax. XXXX IS IN VIOLATION OF MY RIGHT AND THE LAW PER : 15 USC-6802 16 CFR 313.7 16 CFR 433.2 THE PRIVACY ACT OF 1974 the Gramm-Leach-Bliley Act ( GLBA ) The laws and violations implemented are explained below per the CFR, FCRA, USC, The privacy Act of 1974. All of which show clearly that XXXX is in violation and will be legally held responsible for their blatant disregard for my rights as a consumer. I DO NOT GIVE XXXX, EQUIFAX AND OR XXXX XXXX PERMISSION TO REPORT MY TRANSACTION HISTORY TO THIRD PARTY NON AFFILIATES, OR THE PUBLIC ON MY CREDIT REPORT. I have made multiple complaints and disputes this year alone and if my request, my rights and the law continues to be ignored then I will have no choice but to seek legal remedy in federal court for their violations per month and damages for slander and invasion of privacy.
My final demands are as follows which are backed by law. CFR enforces these rights and laws that XXXX fails to abide by. ACTION IS REQUIRED OR LEGAL FILING WITH FEDERAL COURT FOLLOWS.
Remove undeliverable addresses : XXXX XXXX XXXX XXXX Ohio ( never lived there ) Remove invalidated accounts that are not verified and a contract with my wet signature has not been provided to me with full disclosure of the claimed agreement.
STOP Reporting my transaction history it is an invasion of my Privacy and has caused me mental distress and defamation.
I DO NOT GIVE XXXX, XXXX OR EQUIFAX PERMISSION TO REPORT MY TRANSACTION HISTORY.
XXXX must stop reporting inaccurate information which is deliberate. They are aware that US DEPT OF ED account show {$0.00} balance on XXXX and is completely removed from Equifax.
All COLLECTION ACCOUNTS MUST BE REMOVED THEY HAVE NOT BEEN VALIDATED AND NO CONTRACT WITH ME AGREEING TO BE IN CONTRACT WITH XXXX XXXX ( XXXX ) OR XXXX XXXX XXXX ( XXXX ) HAS BEEN PROVIDED.
XXXX REMOVED XXXX XXXX AND WITHOUT NOTICE LAST MONTH XXXX PLACED IT BACK ON MY REPORT WITHOUT NOTICE OR PROOF OF ANY SUCH INVESTIGATION.
Payment history and transaction history must be removed and no longer reported for the accounts below.
XXXX XXXX US Dept of ED US Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly Many of these accounts are charged off/written off and are deemed as Income and I should have received a copy of the 1099 from these creditors to file as income.
PRIVACY ACT OF 1974 : The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods : 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples- ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXXXXXX XXXX address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXXXXXX XXXX address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXXXXXX XXXX opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
(
e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. ( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9. ( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part. [ 65 FR 33677, XXXX XXXX XXXX as amended at 74 FR 62966, XXXX XXXX XXXX ] Privacy Fair Credit Reporting Act Section 603 ( d ) Consumer Report and Information Sharing Section 603 ( d ) defines a consumer report to include information about a consumer such as that which bears on a consumers creditworthiness, character, and capacity among other factors. Communication of this information may cause a person, including a financial institution, to become a consumer reporting agency. The statutory definition contains key exemptions to this definition that enable financial institutions to share this type of information under certain circumstances, without becoming consumer reporting agencies. Specifically, the term consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the financial institution making the report. A person, including a financial institution, may share information strictly related to its own transactions or experiences with a consumer ( such as the consumers payment history, or an account with the institution ) with any third party, without regard to affiliation, without becoming a consumer reporting agency. This type of information sharing may, however, be restricted under the Privacy of Consumer Financial Information regulations that implement the Gramm- Leach-Bliley Act ( GLBA ) because it meets the definition of non-public personal information under the Privacy regulations ; therefore sharing it with non-affiliated third parties may be subject to an opt out under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and information such as their credit scores with another financial institution to jointly market or sponsor other financial products or services. This communication may be considered a consumer report under the FCRA and could potentially cause the sharing financial institution to become a consumer reporting agency. 2. Communication of such transaction or experience information among persons, including financial institutions related by common ownership or affiliated by corporate control. 3. Communication of other information ( e.g., other than transaction or experience information ) among persons and financial institutions related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information will be communicated among such entities, and before the information is initially communicated, the consumer is given the opportunity to opt out of the communication. I expect to have all credit reporting agencies to follow the law and respect my rights. This is my last CFPB complaint the next attempted to resolve this will be in court.
XXXX XXXX
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11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC1-308 XXXX XXXX XXXX XXXX XXXX XXXX Re : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Re : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information being reported on my consumer report without disclosure options extended from these companies to me, the consumer, nor does Equifax have my written consent to be reporting the transactional, experiences, or any history, etc. listed by these companies listed below on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Fair Credit Reporting Act and Consumer Rights have been violated.
The 6 accounts listed above have violated my FEDERAL given CONSUMER RIGHTS to PRIVACY amongst other things.
All 6 of these negative items are listed in the file that you ( Equifax ) maintain under my social security number.
Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and reportability of these 6 listings.
All 6 companies listed have violated FEDERAL LAW - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Equifax has aided this company in this violation of this Federal Law - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Simply put, this consumer law states the following : A Financial Institution MAY NOT, directly, or indirectly, disclose to a NON-AFFILIATED THIRD PARTY any NONPUBLIC PERSONAL INFORMATION unless such Financial Institution gives the following disclosures : 1 ) First disclosure is the Financial Institution letting a consumer know they will disclose information to the non-affiliated third party.
2 ) Second disclosure is the Financial Institution gives the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party.
3 ) Third disclosure is the Financial Institution giving the consumer an explanation so that the consumer can exercise the NONDISCLOSURE OPTION!
Equifax is a non-affiliated third party!!! I am sure that your Consumer Reporting Agency does not have any disclosures from me saying that I have given Equifax permission to report any alleged transactional history on my consumer report.
I, XXXX XXXX XXXX, as the consumer, was not provided with any disclosures at all from any of these 6 companies, yet Equifax has allowed these 6 companies access to my consumer report to state what they wish.
I know that I have a right to privacy when it comes to my NON-PUBLIC PERSONAL INFORMATION. I also have the right to NOT DISCLOSE any of my NON-PUBLIC personal information. This means that if the Original Lender and/or Debt Collector furnishes anything on my consumer report to a nonaffiliated third party without my written consent, they are in clear violation of the Financial Privacy Act.
These 6 companies listed DO NOT have any written consent listed on their files for me saying that anyone can send any type of history to a third party. None of these 6 companies can provide you with my LAWFUL WET SIGNATURE proving that they have my written consent to disclose any transactional history or anything else, yet Equifax has allowed these 6 companies access to my consumer report WITHOUT my written consent!!!!
This fact makes Equifax also in violation of The FCRA is 15 U.S. Code 1681 and all its Chapters and Subchapters.
15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Breakdown for your understanding : The consumer reporting agencies MAY only report anything to my consumer report if I have given them WRITTEN INSTRUCTIONS.
I am the consumer to whom this FEDERAL LAW relates! Equifax has aided these companies in this violation of this Federal Law listed below also : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; BREAKDOWN for your understanding : This law clearly states that I am entitled to ACTUAL DAMAGES as a result of the failure or {$1000.00}, whichever is greater, if someones obtains my consumer report without PERMISSABLE PURPOSE!
Equifax has aided this company in this violation of this Federal Law listed below also : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Breakdown for your understanding : XXXX ) The banks depend on accurate reporting. Inaccurate reporting affecting the banking systems efficiency. Unfair credit reporting affects your confidence in the banking system.
XXXX ) My credit worthiness, credit standing, credit capacity, character and reputation are dependent on Equifax reporting system.
3 ) The consumer reporting agencies have a major responsibility in reporting accounts to my consumer reports 4 ) I have the right to privacy! And Equifax has the responsibility to respect my privacy with Fairness and Impartiality.
I know thats a lot of information, but I hope that this breakdown helps you understand my consumer rights and how this ties together.
Equifax has aided this company in this violation of this Federal Law listed below also : 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Breakdown for your understanding : XXXX. The term consumer report is what most people call a credit report.
XXXX. The person making the report is the company who reported the charge off or collection to my consumer report.
XXXX. I AM the consumer.
XXXX. Transactions are all forms of transactional history!
That means on time payments, late payments missed payments, partial payments, delinquent payments, wages, salary, etc. are all forms of TRANSACTIONS!
5. Utilization is an EXPERIENCE created by credit card usage. If I dont use a credit card ( s ), I wont create an experience. However, when I use my credit card ( s ), I, the consumer am creating shopping experiences, reward and/or point experiences etc. Utilization is an Experience due to it being created when I use my credit card ( s ).
TRANSACTIONS & EXPERIENCES reporting on my consumer report is ILLEGAL due to it being a violation of this law, which was given to us by Congress.
Keep this in mind, any violation of my consumer rights is a violation of Federal laws, and any violation of Federal laws is ILLEGAL!
Equifax has aided these companies in this violation of this Federal Law listed below also : 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Breakdown for your understanding : The consumer reporting agencies must follow certain procedures when reporting anything to my consumer report that will produce Maximum Possible Accuracy!
How are these accounts on my consumer report reporting to maximum accuracy if I did not receive any disclosure options, give them Permissible Purpose or give Equifax my written consent to report the transaction, Utilizations, or history?
I want you to understand this. Permissible Purpose equals Written Instructions. Permissible Purpose grants consent. Without Permissible Purpose, its Identity Theft! Its identity theft because Equifax has allowed someone to report a collection/charge off to my consumer report, using my social security number, on my behalf, without my WRITTEN INSTRUCTIONS to do so.
Equifax has aided this company in this violation of this Federal Law listed below also : 18 USC 1028A- AGGRAVATED IDENTITY THEFT 18 USC 1028A- Aggravated Identity Theft a ) OFFENSES.
( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
Breakdown for your understanding : Whoever knowingly transfers, possesses, or uses my information unlawfully can be sentenced to 2 years of imprisonment as well as punishment for this felonious act.
Equifax has aided this company in this violation of this Federal Law listed below by not BLOCKING ACCESS to my personal information or my consumer report without my written consent.
Equifax was not provided my written consent per FEDERAL LAW for permission for these 6 companies to access my consumer report.
I hereby put you on notice : I DID NOT GIVE EQUIFAX WRITTEN INSTRUCTIONS to report THESE XXXX ACCOUNTS MENTIONED TO MY CONSUMER REPORT!
I do not have faith in the vital role you have in assembling my consumer report due to your willful noncompliance and negligence. You have not exercised your grave responsibility in fairness, impartiality and respecting my PRIVACY!
In Conclusion, you have been put on notice about violating my Congress given FCRA rights by allowing these accounts to report to my consumer report WITHOUT MY WRITTEN CONSENT!
Delete the accounts referenced from my consumer report IMMEDIATELY. Also, send a copy of my consumer report with the updated information.
Thank you in advance.
Please DELETE and BLOCK these 6 companies listed on my consumer report because they all are violations of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No transactional history should be reported on my consumer report for these 6 companies. This violation needs to be deleted. Delete these 6 accounts listed above from my consumer report, your agency is in clear violation of 15 USC 1681 and all of its subsections.
Failure to respond satisfactorily with the deletion of the above referenced accounts and failure to send a free copy of my consumer report when these accounts have been deleted will result in legal action being taken against your agency, for which I will seek {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 4. Possible Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 5. Aggravated Identity Theft per 18USC 1028 6. Mental Anguish I hope you understand the severity of the situation.
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08/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have filed several disputes to Equifax via the CFPB as well as directly to Equifax. The dates of those disputes are as allow ; XX/XX/22 via the CFPB, XX/XX/22 via the CFPB, XX/XX/22 via the CFPB, and via letter dated XX/XX/22 mailed on XXXX directly to Equifax via priority mail with tracking ; which was delivered on XX/XX/22 at XXXX. While some inaccuracies have been deleted ; there are others they continue to state it was verified but failed to produce proof of said verification. This is a direct violation of my rights per Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. They have failed to do so on each occasion as they have investigated, reinvestigated, reinvestigated their reinvestigations. All which are a violation of my rights. I am including all the laws which cover my rights that were violated. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ; The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
In each of the complaints filed with the CFPB I have included a statement and have heard nothing from anyone as the CFPB closes the case and moves on. This is a direct violation of my right to ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
Base on the 15 U.S. Code 1681a definition of investigative consumer report the credit agency has failed to conduct a proper investigation ; which is a direct violation of my rights.
15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681l states there should be no adverse information in the consumer report. Each item I have disputed had been noted on my credit report and has raised red flags for those who have ran my credit report and have been told as much.
15 U.S. Code 1681l - Restrictions on investigative consumer reports Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
I am requesting the accounts be deleted and I be compensated for all the damages cause by the inaccurate accounts not being deleted ; as permitted by law.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Should be I forced to seek legal action I am requesting my legal counsel be coved the credit agency.
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
I am also including copies of the credit reports from March through August to show the accounts continue to have inaccuracies even though they claim to been verified with the furnishers. This again is a violation of my rights.
The List of accounts below has violated my federally protected consumer rights to privacy, confidentiality, accurate reporting, proper investigation, and proper notification under 15 USC 1681 as documented by the laws listed above.
Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : Account name is blank on my credit report Account Number : XXXX Account Name : Account name is blank on my credit report Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX
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08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I, ( XXXX XXXX XXXX ) in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I CONDITIONALLY accept this offer upon proof of claim that you can provide the original charging instrument for this account. Pursuant to the Uniform commercial Code you must be the holder of due course of the original charging instrument otherwise you may not make a presentment, if you can provide the original charging instrument, I would gladly pay this balance also, I conditionally accept this offer upon proof of claim you provide the 1099 OID that shows who the recipient of the funds are and who the issuer of the funds are because it is to my knowledge that I am the issuer of said funds.
I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, DEMAND FOR REMOVAL PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i XXXX XXXX XXXX I ask for a debt validation witch they failed to provide.
XXXX XXXX XXXX is reporting incorrect INFORMATION XXXX XXXX XXXX is report a fraudulent information on my credit files CREDIT INQUIRY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; 2. The Congress has stated that you, ( Bureau Name Here ) are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. The Congress has also stated that you ( Bureau Name Here ) are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, ( Bureau Name Here ) are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; 6. Pursuant to 15 U.S. Code 1681a ( d ) the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness ; 7. Take further notice that Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) you ( Bureau Name Here ) are violation of this law as it clearly states that any report containing information solely as to transactions or experiences between the consumer and the person making the report which in this case is you ( Bureau Name Here ) is excluded from the consumers report ; 8. Notice that you ( Bureau Name Here ) are also in violation of 15 U.S. Code 1681a ( 2 ) ( B ) which states any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card. You are reporting multiple accounts on my consumer report in direct violation of this Code ; 9. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; 10. Take further notice that Pursuant to this same mentioned code stated above 15 U.S. Code 1681a ( e ) there shall not be any specific factual information on a consumers credit record obtained directly from a creditor as the term creditor means the same as it does in 15 U.S. Code 1691a ( e ) which states that the term creditor means any person who regularly extends credit which in this case that would be me a consumer ; 11. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates ; TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
The term credit card has the same meaning as in section 1602 of this title.
The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer.
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05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Secured loan Secured loan Bureau Code : Individual Individual Account Status : Closed Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 12 12 High Credit : {$360.00} {$360.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed Closed or paid account/zero balance Secured Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan Secured loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Closed Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 2 2 High Credit : {$50.00} {$50.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$120.00} {$120.00} {$120.00} No. of Months ( terms ) : 0 0 0 High Credit : {$320.00} {$0.00} {$120.00} Credit Limit : {$200.00} {$200.00} {$0.00} Past Due : {$120.00} {$120.00} {$120.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor.
Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO C Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Auto Lease - Bureau Code : Joint Joint Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$7300.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$15000.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$7300.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Early termination ; balance owing - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history t # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$18000.00} {$18000.00} {$18000.00} Months ( terms ) : 73 73 73 High Credit : {$21000.00} {$21000.00} {$17000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$18000.00} {$18000.00} {$18000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor.
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO Equifax OK OK CO CO CO CO CO CO CO OK OK OK CO CO CO CO CO CO CO CO CO CO CO NCA ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Equifax Account XXXX : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$780.00} No. of Months ( terms ) : - High Credit : {$780.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$200.00} {$200.00} {$200.00} No. of Months ( terms ) : - - - High Credit : {$200.00} {$200.00} {$200.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber.
Consumer disputes this account information Affected by natural disaster Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX XXXX Equifax Account XXXX : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$240.00} No. of Months ( terms ) : - High Credit : {$240.00} Credit Limit : - Past Due : - Payment Status : Collection/Charg l Creditor : ) XXXX XXXX Equifax Account XXXX : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$910.00} No. of Months ( terms ) : - High Credit : {$910.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Medical Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX Account Type : Open Account Open Account Account Type - Detail : Unknown - credit extension, review, or collection Collection Bureau Code : Individual Individua XXXX XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Partially secured Partially secured Partially secured Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$160.00} {$160.00} {$160.00} No. of Months ( terms ) : 13 13 13 High Credit : {$1000.00} {$1000.00} {$930.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$63.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor.
Charged off account Partially secured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$240.00} {$240.00} {$240.00} No. of Months ( terms ) : 0 0 0 High Credit : {$240.00} {$0.00} {$240.00} Credit Limit : {$200.00} {$200.00} {$0.00} Past Due : {$240.00} {$240.00} {$240.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO XXXX XXXX XXXX XXXX XXXX OK OK Equifax XXXX XXXX CO CO XXXX XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$97.00} {$97.00} No. of Months ( terms ) : 0 0 High Credit : {$0.00} {$97.00} Credit Limit : {$500.00} {$0.00} Past Due : {$58.00} {$58.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charg Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years.
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Personal Services Other Than XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I Mortgage Companies XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions there is {$1000.00} penalty if you do not remove
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04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Regarding my student loans in the year XXXX up until this day of XX/XX/XXXX. Let 's consider deleting these student loans. The following information is to inform and help this investigation.
They show proof of inaccurate reporting from XXXX XXXX XXXX, holding me responsible for payment and why they should be deleted.
On XX/XX/XXXX, I filled out the FSFA application to enroll in the Pharmacy Technician program at XXXX XXXX.
I was informed of two student loans, Collection Services with the Department of Education, now XXXX XXXX XXXX.
I would qualify for XXXXederal Student Aid, but I had to consolidate these two outstanding debts in the collection with the Department of Education.
( XXXX attachment ) The copy of the ORIGINAL Federal Loan Consolidation Loan Application and Promissory Note that I had signed XX/XX/XXXX, and wrote the amounts of {$1300.00} and {$2000.00} on are the following SUB / Debt Collection Services XXXX XXXX ( the last four digits of my social security number ) / in the amount of {$1300.00} UNSUB/Debt Collections Services XXXX XXXX XXXX XXXX the amount of {$2000.00} The account I have with Federal Student Aid is missing this copy. Instead, they have ( 2. attachment ) The Master Promissory Note Code signed electronically on XX/XX/XXXX - without the amounts of the loans that were consolidated.
On the copy of my ( 3. attachment ) Credit Reports from XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Equifax XXXX XX/XX/XXXX, Debt Collection services in the amounts of {$1300.00} or {$2000.00} are not under collections or negative accounts on my XXXX credit reports. They should be, considering they said its in collections.
( 4. attachment ) In my account with Federal Student Aid, the information on these amounts of {$1300.00} and {$2000.00} are XXXX XXXX XXXX XXXX XXXX XXXX The federal student aid disbursed {$0.00} out of {$1300.00} and disbursed {$1.00} out of {$2000.00}.
They canceled these loans of {$1300.00} and {$2000.00} on XX/XX/XXXX Thats why it wasnt on my credit reports.
Instead, the Department of Ed-Direct Loans reported on my credit reports with ( 5. attachment ) XXXX, Equifax, and XXXX Credit Reports in XXXX The loans listed below are not the original amounts on the consolidation contract. The Department of Education reported the following in XXXX 1. U.S. Dept Of Ed- Direct Loans Date Opened : XX/XX/XXXX Original Amount {$4900.00} Status : Open/Never Late. The deferred payment date is unknown Partial Account # XXXX On XXXX Credit Report in XXXX 2. Dept. of Education - Direct loans Date Opened : XX/XX/XXXX Original Amount {$4500.00} Status : Open/Never Late. The deferred payment date is unknown Partial Account # XXXX XXXX Credit Report in XXXX It totals {$9400.00} inaccurately being reported.
XXXX the United States Government employed me to work at the ( 6. attachment ) XXXX U.S. Census - a copy of my XXXX U.S. CENSUS Certificate of employment signed by the deputy and management, located XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, and you may call to verify my job with Census Human Resource department at XXXX. In XXXX I did not attend XXXX XXXX.
( XXXX. Attachment ) XXXX Equifax Credit Report has payments on loans that dont belong to me, and ( XXXX attachment ) XXXX XXXX XXXX is stilXXXX reporting them.
Open Date of Loan : XX/XX/XXXX Original Amount Of Loan : {$2800.00} Federal Student Aid Disbursed XXXX Federal Student Aid Amount Disbursed : {$2800.00} out of {$2800.00} Federal Student Aid Loan Balance : {$3500.00} reporting I owe this amount Account Number Ending in XXXX Open Date of Loan : XX/XX/XXXX Original Amount Of Loan : {$2000.00} Federal Student Aid Disbursed XXXX Federal Student Aid Amount Disbursed : {$2000.00} out of {$2000.00} Federal Student Aid Loan Balance : {$2100.00} reporting I owe this amount Account number ending in XXXX Open Date of Loan : XX/XX/XXXX Original Amount Of Loan : {$1700.00} Federal Student Aid Disbursed XXXX Federal Student Aid Amount Disbursed : {$0.00} out of {$1700.00} Federal Student Aid Loan Balance : {$2200.00} reporting I owe this amount XXXX XXXX Account Number ending in XXXX Open Date of Loan : XX/XX/XXXX Original Amount Of Loan : {$2000.00} Federal Student Aid Disbursed XXXX Federal Student Aid Amount Disbursed : {$0.00} out of {$2000.00} Federal Student Aid Loan Balance : {$3400.00} reporting I owe this amount Account Number ending in XXXX Open Date of Loan : XX/XX/XXXX Original Amount Of Loan : {$750.00} Federal Student Aid Disbursed XXXX Federal Student Aid Amount Disbursed : {$0.00} out of {$750.00} Federal Student Aid Loan Balance : {$1300.00} reporting I owe this amount XXXX XXXX Account ending in XXXX ( 8. Attachment ) The Ledger from XXXX XXXX in XXXX is fraudulent information about my attendance, payments, and loans.
Pharmacy Technician Program Start Date : XX/XX/XXXX Withdrawal Date : XX/XX/XXXX XX/XX/XXXX {$6800.00} Tuition Pharmacy Technician Program XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX Addl Unsubsidized Loan {$750.00} XX/XX/XXXX Direct Stafford Loan {$1700.00} Direct Unsubsidized Loan {$1900.00} A charge for a program change of {$580.00} LDA XX/XX/XXXX Contract adjustment ( {$1700.00} ) ( XXXX ) XX/XX/XXXX Bad Debt Payment {$100.00} - XX/XX/XXXX Refund XXXX XXXX for {$1300.00} ) Insufficient Debt Payment : This loan from XXXX made a payment in my name. I asked TFC for a copy of my signed contract, and they replied that it couldnt be pulled up. It's in the archives.
I still can not get a contract copy to determine who signed it. I did manage to get a financial statement ( 9. attachment ) showing the amounts that match the ones on the ledger ( Attached ) and an Email ( 10. attachment ) stating that I do not owe XXXX money .
The XXXX XXXX XXXX reported this loan to my XXXX Credit Report from XX/XX/XXXX ( on XXXX. Attachment ) XXXX XXXX XXXX.
Date Opened : XX/XX/XXXX Term : 8 months Payment : {$100.00} Original Amount {$840.00} Recent Balance {$630.00} as of XX/XX/XXXX Recent Payment {$100.00} Address Identification Number : XXXX ( Department of Education ) ( on 8. Attachment ) The XXXX XX/XX/XXXX XXXX from XXXX {$100.00} XX/XX/XXXX Payment from XXXX {$100.00}.
XX/XX/XXXX Payment from XXXX {$100.00} XX/XX/XXXX Payment from XXXX {$100.00} XX/XX/XXXX Payment from XXXX {$100.00} I understand XXXX XXXX has falsified documents sent to the federal student aid in my name in the hopes that I pay it back.
For 12 years, my credit score has been terrible because of this and the other inaccurate student loans.
( 11. Attachment ) Federal Student Aid & Ed Financial Inaccurate Reporting XXXX XXXX XXXX XXXX XXXX loans are inaccurately reported on my credit reports. Due to the fact, I was employed.
Date Opened : XX/XX/XXXX School Name ; XXXX XXXX Original Amount of Loan {$1700.00} Outstanding Balance : {$2200.00} Disbursement Date XX/XX/XXXX Disbursed Amount {$1700.00} Canceled Disbursement date : XX/XX/XXXX in the amount of {$1700.00} Total Amount Disbursed {$0.00} Out Of {$1700.00} Account # ending in XXXX Date Opened : XX/XX/XXXX School Name : XXXX XXXX XXXX XXXX of loan : {$2000.00} Outstanding Balance : {$3400.00} Disbursement Date : XX/XX/XXXX Disbursed Amount : {$2000.00} XX/XX/XXXX Canceled {$2000.00} Total Amount Disbursed : {$0.00} Out Of {$2000.00} Account # ending in XXXX Date Opened : XX/XX/XXXX School Name : XXXX XXXX Original Amount of Loan : {$2800.00} Outstanding Balance : {$3500.00} Disbursement Date : XX/XX/XXXX Disbursed Amount : {$2800.00} Total Amount Disbursed : {$2800.00} Out of {$2800.00} Account # ending in XXXX Date Opened : XX/XX/XXXX School Name : XXXX XXXX Original Amount of Loan : {$750.00} Outstanding Balance : {$1300.00} Disbursement Date : XX/XX/XXXX Disbursement Amount {$0.00} Out of {$750.00} Account # ending in XXXX Date Opened : XX/XX/XXXX School Name : XXXX XXXX XXXX XXXX ; {$2000.00} Outstanding Balance : {$2100.00} Disbursement Date : XX/XX/XXXX Disbursement Amount : {$2000.00} out of {$2000.00} Account # ending in XXXX The ledger from XXXX XXXX charged {$23000.00}. This is not correct.
For One Surgical Technologist Program in XXXX at XXXX XXXX XXXX {$7800.00} The loans in XXXX and XXXX on my account with XXXX XXXX and Federal Student Aid compared to the loan amount on my most recent credit reports XXXX XXXX- I attended The original amount of the loan : {$2200.00} Opened Date : XX/XX/XXXX FSA Disbursed Amount {$2200.00} out of {$2200.00} XXXX XXXX I attended The original amount of the loan was {$3500.00} Opened date : XX/XX/XXXX FSA Disbursed Amount : {$3500.00} out of {$3500.00} XXXX XXXX - INACCURATE & overcharged tuition The original amount of the loan : {$920.00} Opened Date : XX/XX/XXXX FSA Disbursed Amount : {$0.00} out of {$920.00} XXXX XXXX - INACCURATE & overcharged tuition The original amount of the loan : {$2800.00} Opened Date : XX/XX/XXXX FSA Disbursed Amount : {$1600.00} out of {$2800.00} XXXX XXXX - OverCharged Tuition The original amount of the loan : {$3500.00} Opened Date : XX/XX/XXXX FSA Disbursed amount : {$3500.00} out of {$3500.00} Overcharged XXXX Tuition loans total {$5700.00} XXXX Tuition overcharged loan total {$5100.00} Pell Grants ( attachment ) One Pell Grant is granted in a year.
XXXX XXXX has disbursed these amounts every year-my granted XXXX Grants XXXX {$660.00} XXXX {$4100.00} XXXX. {$570.00} ( XXXX attachment ) Total Amount in Pell Grants Disbursed by Federal Student Aid {$5400.00} ( attachment ) In XXXX, I did not graduate because they enrolled 20 students and only had nine internship sites to graduate, and just this year, I found out all this information Im sharing with you.
Please note that I did make some payments, but ever since that day, I requested those credit reports in XX/XX/XXXX. I have been trying to figure out what went wrong and to correct it.
The loans in XXXX and XXXX from XXXX XXXX are not accurate I listed the amounts and dates they were disbursed from Federal Student Aid in XXXX and XXXX The Original Amount of the loan : {$3500.00} Opened Date : XX/XX/XXXX Balance on loan as of XX/XX/XXXX {$4200.00} Disbursed amount : {$1700.00} on XX/XX/XXXX Disbursed amount of {$1700.00} on XX/XX/XXXX The total amount disbursed was {$3500.00} out of {$3500.00} The Original amount of the loan : {$2200.00} Opened Date : XX/XX/XXXX Balance of loan as of XX/XX/XXXX : {$3700.00} Disbursed amount of {$1100.00} on XX/XX/XXXX Disbursed Amount of {$1100.00} on XX/XX/XXXX On XX/XX/XXXX, canceled - {$1.00} The total amount disbursed was {$2200.00} out of {$2200.00} The Original amount of the loan : {$920.00}. INACCURATE Opened Date : XX/XX/XXXX Balance of loan as of XX/XX/XXXX : {$1400.00} Disbursed amount of {$920.00} on XX/XX/XXXX Disbursed Amount canceled XX/XX/XXXX The total amount disbursed was {$0.00} out of {$920.00} The Original amount of the loan : {$3500.00} Overcharged Opened Date : XX/XX/XXXX Balance of loan as of XX/XX/XXXX : {$4000.00} Disbursed the amount of {$3500.00} on XX/XX/XXXX The total amount disbursed was {$3500.00} out of the {$3500.00} OverCharged The Original amount of the loan : {$2800.00}. INACCURATE Opened Date : XX/XX/XXXX Balance of loan as of XX/XX/XXXX : {$4400.00} Disbursed the amount of {$2800.00} on XX/XX/XXXX Disbursement canceled- {$1100.00} The total amount disbursed was {$1600.00} out of {$2800.00}.
Please understand that I want to rehabilitate the student loans I rightfully owe and start making the correct payment once the deferment is lifted. Please take into consideration the following.
Attachment : ( 13. attachment ) Spreadsheet of the loan amounts, disbursed amount, and dates of the actual amounts of loans and pell grants XXXX XXXX got paid for the ONE year I went.
Thank you so much for your time. Have an excellent rest of your day.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX CC : XXXX XXXX : Federal Student Aid : Federal Trade Commission : XXXX : Equifax : XXXX : CFPB Please remove/delete all INACCURATE loans on XXXX Crosbys account XXXX with XXXX XXXX XXXX Please Re-Investigate these accounts in XXXX ( please delete them ) XXXX XXXX XXXX Amount : {$2800.00} Opened Date XX/XX/XXXX Account number ending XXXX XXXX XXXX XXXX Amount : {$2000.00} Opened Date XX/XX/XXXX Account number ending in:9099 XXXX XXXX XXXX Amount : {$1700.00} Opened Date XX/XX/XXXX Account number ending in:9299 XXXX XXXX XXXX Amount : {$750.00} Opened XXXX Account number ending inXXXX XXXX XXXX XXXX Amount : {$2000.00} Opened XXXX Account number ending in:XXXX To : XXXX XXXX My XXXX XXXX XXXX Loans for XXXX XXXX are Overcharges. I enrolled in XXXX and attended Surgical Technologist for that year I didnt enroll in the Surgical Technologist in XXXX ( again ) Please refer to the ledger attachment, and please update the credit bureaus regarding these loans : Date Opened XX/XX/XXXX Original Amount {$3500.00} Account Ending in XXXX Date Opened XX/XX/XXXX Original Amount {$2800.00} Account ending in XXXX Date Opened XX/XX/XXXX Original Amount {$920.00} Account ending in XXXX
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07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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TOTAL ACCOUNTS XXXX XXXX XXXX XXXX OPEN ACCOUNTS XXXX XXXX XXXX XXXX CLOSED ACCOUNTS XXXX XXXX XXXX XXXX DELINQUENT XXXX XXXX XXXX XXXX DEROGATORY XXXX XXXX XXXX XXXX BALANCES : {$71000.00} -- {$41000.00} PAYMENTS : {$2200.00} -- {$1000.00} PUBLIC RECORDS XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to request the removal of a time share from XXXX XXXX XXXX XXXX that is currently appearing on my credit report. I believe this entry is in violation of consumer protection laws and should be removed immediately.
I would like to provide some background information regarding this matter. In XX/XX/XXXX I attended a presentation by XXXX XXXX XXXX XXXX, during which I was persuaded to purchase a time share. However, I later discovered that the sales practices employed were deceptive and misleading, and the terms and conditions of the contract were misrepresented.
As a consumer, I have the right to accurate and truthful information when making a financial decision. The sales practices employed by XXXX XXXX XXXX XXXX violated these rights and are in violation of consumer protection laws, including but not limited to 1. Cooling-Off Period : Many jurisdictions provide consumers with a limited time, typically several days, after signing a timeshare contract to cancel it without any penalty. This is often known as the cooling-off period.
2. Contract Rescission : Some laws may allow consumers to rescind a timeshare contract within a specific timeframe after the purchase, even beyond the cooling-off period. The process and time limits for rescission can differ based on the jurisdiction.
3. Timeshare Exit Companies : Some regions have enacted laws or regulations to address issues related to timeshare exit companies, which are businesses claiming to help owners get out of their timeshare contracts. These laws aim to protect consumers from deceptive practices.
4. Disclosures and Transparency : Consumer protection laws may require timeshare sellers to provide clear and comprehensive information about the terms, costs, and obligations associated with the timeshare before the purchase.
5. Misrepresentation and Fraud : Laws may be in place to protect consumers from fraudulent or deceptive practices by timeshare developers or sales representatives.
Therefore, I kindly request that you initiate an investigation into this matter and remove the entry related to the XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. I believe this action is warranted based on the following grounds : 1. Misrepresentation of contract terms and conditions.
2. Deceptive sales practices employed during the presentation.
3. Violation of consumer protection laws.
I have enclosed copies of any supporting documentation that substantiates my claims, including within a week of signing documents for the timeshare. I realize that I was being completely scammed the points that I was given and had to pay {$250.00} for I was out of those points by the time I booked a vacation the next day. I then reached out to my sales representative and told her that I no longer wanted my contract and nothing was ever done about it. They just kept sending me out bills each month, I even spoke to someone in the customer relations department in regards to canceling the account and they told me that that was not an option but due to consumer loans I was aware that 1. Cooling-Off Period : Many jurisdictions provide consumers with a limited time, typically several days, after signing a timeshare contract to cancel it without any penalty. This is often known as the cooling-off period.
2. Contract Rescission : Some laws may allow consumers to rescind a timeshare contract within a specific timeframe after the purchase, even beyond the cooling-off period. The process and time limits for rescission can differ based on the jurisdiction.
3. Timeshare Exit Companies : Some regions have enacted laws or regulations to address issues related to timeshare exit companies, which are businesses claiming to help owners get out of their timeshare contracts. These laws aim to protect consumers from deceptive practices.
4. Disclosures and Transparency : Consumer protection laws may require timeshare sellers to provide clear and comprehensive information about the terms, costs, and obligations associated with the timeshare before the purchase.
5. Misrepresentation and Fraud : Laws may be in place to protect consumers from fraudulent or deceptive practices by timeshare developers or sales representatives.
I request that you provide written confirmation once the investigation is complete and the time share entry has been removed from my credit report. Please ensure that this information is also forwarded to any third-party entities that have received my credit report recently.
Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and take the necessary steps to rectify this situation. Should you require any additional information, please do not hesitate to contact me at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$0.00} XXXX XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$140.00} XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX High Balance : {$1400.00} XXXX Account Name XXXX XXXX Account # XXXX XXXX High Balance : {$14000.00} XXXX XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$85.00} XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$9400.00} To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX accounts, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete From My CREDIT REPORT there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 CREDITXXXX Account Number : XXXX Please remove it from my credit report.
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXSS Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX F Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX FI Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To : XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
XXXX XXXX XXXX, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact.
PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate!
By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate.
15 USC 1681s-2 states that you, XXXX XXXX XXXX , are a furnisher of information to a consumer reporting agency.
YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS publication.
SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt.
My Address is listed below!
15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS!
I am writing to dispute and seek clarification regarding the sharing of my non-public personal information by your institution, as well as any potential impact on my credit report. I am concerned that these actions may be in violation of both the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ).
Specifically, I have identified two key areas of concern : 1. **GLBA Privacy Notice and Opt-Out** : According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from your institution, nor have I been given the opportunity to opt out of information sharing.
Therefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. Additionally, I would like to be informed if my non-public personal information has been shared with any non-affiliated third parties for marketing purposes, and if so, I am exercising my right to opt out of such sharing.
2. **FCRA Credit Reporting Impact** : As a result of any information sharing or other actions taken by your institution, I am concerned that my credit report may have been affected. Under the FCRA, consumers have the right to accurate and complete credit reporting. I request that you provide me with any information related to changes in my credit report resulting from your institution 's actions.
Additionally, I kindly request that you conduct a thorough investigation into any credit reporting issues that may have arisen due to information sharing or any other actions by your institution. If it is determined that my credit report has been negatively affected without proper cause or notification, I request that you take immediate corrective action and provide me with documentation of any corrections made to my credit report.
I want to emphasize my commitment to ensuring that my rights under both the GLBA and the FCRA are fully protected. I kindly request that your institution promptly investigate these matters and provide me with the necessary documentation and information to address my concerns.
Please respond to this dispute letter within the statutory timeframes specified by both the GLBA and the FCRA. I understand that this investigation may take up to 30 days, and I expect your prompt attention to this matter.
Thank you for your cooperation in resolving this issue promptly. Send written correspondence to address provided above. This is my opt out and cease and desist of all sharing of my personal information. You dont have consent to share my personal information if you do its identity theft. Delete all inaccurate and wrongful shared information asap.
The Gramm-Leach-Bliley Act ( GLBA ), also known as the Financial Services Modernization Act of 1999, is a comprehensive U.S. federal law that governs the protection of consumer financial information held by financial institutions. The GLBA was enacted to promote the privacy and security of individuals ' personal financial data and to establish a framework for the financial industry to handle this information responsibly. Here are the key details and components of the GLBA : Scope of GLBA : The GLBA applies to various types of financial institutions, including banks, credit unions, securities firms, insurance companies, and certain other financial service providers.
It covers both individual consumers and small business customers.
Privacy Provisions : The GLBA establishes strict requirements for how financial institutions collect, use, and disclose personal financial information. It requires institutions to provide clear and concise privacy notices to consumers explaining their information-sharing practices.
Consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties.
Safeguarding Requirements : The GLBA mandates that financial institutions implement comprehensive information security programs to protect the confidentiality and integrity of customer data. These programs must be tailored to the institution 's size and complexity.
Financial institutions must appoint an employee or employees to coordinate and oversee the information security program.
They are required to assess and identify risks to customer information, implement safeguards against these risks, regularly monitor and test the effectiveness of these safeguards, and update them as needed.
Pretexting Protections : The GLBA addresses pretexting, which is the practice of using false pretenses to obtain individuals ' personal financial information. It makes pretexting illegal and imposes penalties on those who engage in this deceptive practice.
Penalties and Enforcement : Violations of the GLBA 's privacy and security provisions can result in civil penalties and enforcement actions by regulatory authorities, such as the Federal Trade Commission ( FTC ).
Individuals and entities that suffer harm due to GLBA violations may also have the right to take legal action against the financial institution.
Exceptions : The GLBA includes certain exceptions, such as exceptions for the sharing of information with affiliates or for specific transactional purposes.
Regulatory Oversight : The GLBA gives regulatory agencies, such as the FTC and federal banking agencies, the authority to enforce its provisions and to examine and supervise financial institutions for compliance.
Annual Privacy Notices : Financial institutions are required to provide annual privacy notices to customers explaining their privacy policies and practices. However, certain exceptions exist for institutions that do not share customer information with non-affiliated third parties.
Consumer Rights : Consumers have the right to access their own personal financial information held by financial institutions and request corrections if they find inaccuracies.
They also have the right to opt out of certain information-sharing practices.
Overall, the GLBA is designed to strike a balance between protecting consumers ' financial privacy and allowing financial institutions to provide necessary financial services. It places significant responsibilities on financial institutions to ensure the security and confidentiality of customer information while promoting transparency and consumer choice regarding the sharing of their data.
Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to provide consumers with three key documents before sharing their non-public personal information with non-affiliated third parties. These documents are : Privacy Notice : Financial institutions must provide consumers with an initial privacy notice when they establish a customer relationship and then annually thereafter. This notice explains the institution 's privacy policies and practices, including : What types of non-public personal information the institution collects about the consumer.
How the institution uses and shares this information.
The consumer 's right to opt out of certain information-sharing practices.
The institution 's safeguards to protect the confidentiality and security of the information.
How the institution treats former customers ' information.
How the consumer can access and correct their personal information.
Importantly, the privacy notice also informs consumers about their right to opt out of having their information shared with non-affiliated third parties for marketing purposes.
Opt-Out Notice : If a financial institution intends to share a consumer 's non-public personal information with non-affiliated third parties for marketing purposes, it must provide an opt-out notice. This notice informs the consumer of their right to opt out of such information sharing. If the consumer chooses to opt out, the institution can not share their information for marketing purposes unless the consumer subsequently opts back in.
Annual Privacy Notice : Financial institutions must provide consumers with an annual privacy notice, even if there have been no changes to the institution 's privacy policies or practices. This notice serves as a reminder to consumers of the institution 's privacy policies and provides them with the opportunity to review and, if necessary, exercise their right to opt out of information sharing.
These documents are designed to inform consumers about how their personal financial information is handled by financial institutions and to give them control over whether their information is shared with non-affiliated third parties for marketing purposes. Financial institutions must ensure that these notices are clear, concise, and easily accessible to consumers.
This is already been deleted from my XXXX for numerous errors, please follow and delete asap this is breaking consumer laws.
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03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the accuracy of information that has been reported to the credit reporting agencies regarding my account XXXX XXXX ( XXXX XXXX ). I believe that your actions have violated the Fair Credit Reporting Act ( FCRA ), specifically sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), as well as the Fair and Accurate Credit Transactions Act ( FACTA ), specifically sections 312 ( b ) and 312 ( c ).
According to my credit reports from Equifax, XXXX XXXX, and XXXX, there are discrepancies in the auto loan information that has been reported by these agencies. The planting and sowing dates and terms that have been reported by each agency differ from each other. This inconsistency in reporting may be a violation of section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date.
Furthermore, I have requested all information in my credit file from each credit reporting agency, as required by section 623 ( a ) ( 2 ) of the FCRA. If the information reported by Equifax does not match that reported by XXXX XXXX and XXXX, then Equifax may have violated this section by failing to disclose all information in my credit file.
FACTA also requires furnishers of information to credit reporting agencies to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information they furnish, as stated in section 312 ( b ). If the creditor failed to provide consistent and accurate information to all three credit bureaus, then it may be a violation of this section. Additionally, section 312 ( c ) requires furnishers of information to credit reporting agencies to promptly notify the agencies of any corrections to inaccurate or incomplete information. If Equifax did not report the auto loan information or the correct planting and sowing dates and terms, and did not notify the other credit bureaus of the corrections, then it may be a violation of this section.
Specifically, I am concerned about the information regarding my account with XXXX XXXX, with account number ( XXXX ) .Upon reviewing my credit report from all three credit bureaus, I noticed discrepancies in the reporting of the planting date and terms of my auto loan. XXXX claims that Equifax 's planting date opened on XX/XX/XXXX, however, the XXXX XXXX date is really XX/XX/XXXX. Furthermore, the number of months ( terms ) reported by XXXX XXXX and XXXX is XXXX, while Equifax did not disclose this information. XXXX XXXX reported on XX/XX/XXXX, with the Date Last Active for XXXX or Equifax being XX/XX/XXXX. Again, there is a discrepancy in the reporting, as XXXX XXXX, XXXX, or Equifax will sow on XX/XX/XXXX, or on XX/XX/XXXX, respectively.
These discrepancies are in violation of several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Section 623 ( a ) ( 1 ) ( A ) of the FCRA requires that credit reporting agencies maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date. The discrepancy in the planting date between Equifax and XXXX XXXX may be a violation of this section. Section 623 ( a ) ( 1 ) ( B ) requires that credit reporting agencies clearly and accurately disclose to consumers all information in their credit files. If Equifax did not disclose the correct planting date for the account, it may be a violation of this section. Section 623 ( a ) ( 2 ) requires that credit reporting agencies disclose all information in a consumer 's credit file upon request. If Equifax did not disclose the correct planting date upon request, it may be a violation of this section. Additionally, Section 623 ( a ) ( 5 ) requires that credit reporting agencies provide a consumer with a list of all inquiries made into their credit file. If any inquiries were made based on the inaccurate information provided by Equifax, it may be a violation of this section.
Furthermore, Section 312 ( b ) of FACTA requires that furnishers of information to credit reporting agencies establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information they furnish. If XXXX XXXX failed to provide consistent and accurate information to all three credit bureaus, then it may be a violation of this section. Additionally, Section 312 ( c ) requires that furnishers of information to credit reporting agencies promptly notify the agencies of any corrections to inaccurate or incomplete information. If XXXX XXXX did not notify the other credit bureaus of the corrected planting date, it may be a violation of this section.
I am writing to dispute the inaccurate and unverified collection accounts that have been reported on my credit report by XXXX XXXX XXXX. The accounts in question are for the original creditor XXXX XXXX XXXX XXXX and the account numbers are XXXX.
According to my credit report, there is a discrepancy in the planting date between XXXX and XXXX XXXX. XXXX states that the Date Opened for the account is XX/XX/XXXX, while XXXX XXXX states it is XX/XX/XXXX. Additionally, XXXXXXXX XXXX date for the last reported on date is XX/XX/XXXX, while Equifax 's is XX/XX/XXXX. XXXXXXXX XXXX date for the planting date is XX/XX/XXXX, while Equifax 's date is XX/XX/XXXX.
These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 623 ( a ) ( 1 ) ( A ) requires that credit reporting agencies maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date. Additionally, Section 623 ( a ) ( 1 ) ( B ) requires that credit reporting agencies clearly and accurately disclose to consumers all information in their credit files. If XXXX or Equifax did not disclose the correct planting date for the account, it may be a violation of this section. Furthermore, Section 623 ( a ) ( 2 ) requires that credit reporting agencies disclose all information in a consumer 's credit file upon request. If XXXX or Equifax did not disclose the correct planting date upon request, it may be a violation of this section. Lastly, Section 623 ( a ) ( 5 ) requires that credit reporting agencies provide a consumer with a list of all inquiries made into their credit file. If any inquiries were made based on the inaccurate information provided by XXXX or Equifax, it may be a violation of this section.
Additionally, the inaccuracies in the credit report may be a violation of the Fair and Accurate Credit Transactions Act ( FACTA ). Specifically, Section 312 ( b ) requires that furnishers of information to credit reporting agencies establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information they furnish. If XXXX XXXXXXXX XXXX failed to provide consistent and accurate information to all three credit bureaus, then it may be a violation of this section. Moreover, Section 312 ( c ) requires that furnishers of information to credit reporting agencies promptly notify the agencies of any corrections to inaccurate or incomplete information. If XXXX XXXX XXXX did not notify the other credit bureaus of the corrected planting date, it may be a violation of this section.
Therefore, I am requesting that XXXX XXXXXXXX XXXX remove these unverified collection accounts from my credit report, as they are in violation of the FCRA and FACTA. I also request that they provide written confirmation of the removal to all three credit bureaus.
I am writing to file a dispute regarding the inaccurate information on my credit report. Specifically, there are unverified collection accounts listed by XXXX XXXX XXXXXXXX, with account numbers XXXX, that have incorrect seeding dates reported by the credit bureaus.
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date credit information, and to clearly and accurately disclose all information in a consumer 's credit file. However, there is a discrepancy in the seeding dates between XXXX and XXXX XXXX, with XXXX reporting a seeding date of XX/XX/XXXX, while XXXX XXXX reports a date of XX/XX/XXXX. This discrepancy may be a violation of Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 1 ) ( B ) of the FCRA.
Furthermore, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to disclose all information in a consumer 's credit file upon request. If the credit bureaus did not disclose the correct seeding date upon my request, it may be a violation of this section. Additionally, if any inquiries were made based on the inaccurate information provided by the credit bureaus, it may be a violation of Section 623 ( a ) ( 5 ) of the FCRA.
Under the Fair and Accurate Credit Transactions Act ( FACTA ), furnishers of information to credit reporting agencies are required to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information they furnish. If XXXX XXXXXXXX XXXX failed to provide consistent and accurate information to all three credit bureaus, it may be a violation of Section 312 ( b ) of FACTA. Additionally, Section 312 ( c ) of FACTA requires furnishers of information to credit reporting agencies to promptly notify the agencies of any corrections to inaccurate or incomplete information. If XXXX XXXXXXXX XXXX did not notify the other credit bureaus of the corrected seeding date, it may be a violation of this section.
Therefore, I am requesting that the unverified collection accounts listed by XXXX XXXXXXXX XXXX with account numbers XXXX be removed from my credit report, as they have not been verified as accurate. Additionally, I urge you to enforce the laws outlined above and hold the credit bureaus and XXXX XXXXXXXX XXXX accountable for any violations.
Specifically, there are unverified collection accounts on my credit report that are negatively impacting my creditworthiness. The accounts in question are associated with XXXX XXXX XXXX XXXX and are listed under account number XXXX. According to XXXX, the date of opening for this account is XX/XX/XXXX, and the account type is listed as Collection. However, the credit limit was not reported.
I believe that XXXX XXXX XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ), including : Section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date. If XXXX XXXX XXXX XXXX reported an incorrect opening date for the account, it may be a violation of this section.
Section 623 ( a ) ( 1 ) ( B ), which requires that credit reporting agencies clearly and accurately disclose to consumers all information in their credit files. If XXXX XXXX XXXX XXXX did not accurately report the account type and credit limit information, it may be a violation of this section.
Section 623 ( a ) ( 2 ), which requires that credit reporting agencies disclose all information in a consumer 's credit file upon request. If XXXX XXXX XXXX XXXX did not disclose accurate information upon request, it may be a violation of this section.
Section 623 ( a ) ( 5 ), which requires that credit reporting agencies provide a consumer with a list of all inquiries made into their credit file. If any inquiries were made based on inaccurate information provided by XXXX XXXX XXXX XXXX, it may be a violation of this section.
Section 1681s-2 ( a ) of the FCRA, which outlines the responsibilities of furnishers of information to credit reporting agencies. Furnishers must provide accurate and complete information to credit reporting agencies, and if a furnisher learns that any information it has provided to a credit reporting agency is not accurate, it must promptly notify the agency of the error and provide corrected information. If XXXX XXXX XXXX XXXX failed to comply with any of these requirements, it may be a violation of this section.
This inaccurate information on my credit report has had a significant negative impact on my life. I have been denied credit, employment, and rental opportunities due to my low credit score, which is in large part due to these unverified collection accounts. As a result, I have been unable to purchase a home, secure stable employment, or provide for my family in the way that I would like.
Therefore, I am requesting that these unverified collection accounts be removed from my credit report in accordance with the FCRA. I also request that any inquiries made based on this inaccurate information be removed from my credit report. I appreciate your attention to this matter and look forward to your prompt resolution.
Sincerely, XXXX XXXX
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11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXXXXXX UT XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
PXXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX IN, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX IN, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX VIA XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX IN XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX IN Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Phone Phone number not available In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX via XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
upstart network XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX bank Phone ( XXXX ) XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX bank XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Requested by : XXXX Requested on : XX/XX/XXXX Credit Inquiries in the Last Year : XXXX Credit Inquiries in the Last 3 Years : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 Years : XXXX In accordance with the Fair Credit Reporting act XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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name is XXXX XXXX XXXX reached out to XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX EQUIFAX XXXX have XXXXontinue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( XXXX ) XXXX EQUIFAX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt XXXX therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXXEQUIFAX then , you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXXEquifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED Equifax, XXXX, XXXX XXXX, and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ive sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state XXXX Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX PL XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX the XXXX FTC XXXX Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX XXXX XXXX EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX P. XXXX XXXX ( XXXX ), XXXX XXXX Hawaii XXXX XXXX v. XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX, ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX ), and Town of XXXX XXXX XXXX Shores XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Conn.l ( XXXX ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ). XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) XXXX XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Fraudulent XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My Only First & Last Name XXXX XXXX XXXX
My Only Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last 4 of my SSN # XXXX My Only DOB XXXX)
Ive sent paper work and complaints from the US Justice Department (XXXX )(CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT)CALIFORNIA CONSUMER PROTECTION AND INNOVATION)( FTC COMPLAINT) ALONG WITH -CEASE AND DESISTS ORDERS -AND (AFFIDAVITS OF TRUTH )-SIGN AND NOTORIZED TO XXXX-XXXX-EQUIFAX-XXXX XXXX XXXX XXXX XXXX (15USC 1681 a(d(2](A)(i) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX-XXXX-EQUIFAX-XXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a(d)(2)(A)(i) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated", let's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX-XXXX-EQUIFAX-XXXX XXXX XXXX XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A:
Information Referral AND IRS form 211:
Application For Award For Original Information
Overview with the Internal Revenue Service against ALL entities involved. I [ XXXX XXXX XXXX], issue this urgent and non-negotiable Affidavit of Truth. I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [XXXX XXXX XXXX I also serve as my agent and attorney-in-fact in all relevant matters.
Oath and Declaration
Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith.
Privacy Rights: Immediate Action Required
My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action.
Legal Violations and Reasons: Cease and Desist
I allege that XXXX, XXXX, and Equifax XXXX XXXX XXXX XXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified:
15 USC 1692c(b): Unauthorized communication with third parties about my debt.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
.. Remedial Actions: Immediate and Non-Negotiable Compliance Required
I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention:
1. Data Removal: Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization.
2. Data Security for Future Interactions: Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data.
3. Transparency: Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing.
4. Notification: Prompt notification to me of all actions taken to secure my information and prevent further violations.
5. Legal Compliance: Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.XXXX-XXXX-EQUIFAX-XXXX XXXX XXXX XXXX XXXXCONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act (FCA) 31 U.S.C 3729-3733. (Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX-XXXX-EQUIFAX-XXXX XXXX XXXX XXXX XXXX/furnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX-EQUIFAX-XXXX XXXX XXXX XXXX XXXXinto the
(FTC) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, Validation requires-presentment of the account and (general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UCC 9-201 ~ Request for accounting XXXX XXXX 1002 15 USC 1681(a)(4) There is a need to insure that consumer reporting
agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer's right to privacy
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03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to dispute inaccurate information that has been reported on my credit report by the creditor XXXX XXXX ( account number XXXX ). I believe that this creditor has violated several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Specifically, the following violations have occurred : Section 607 ( b ) of the FCRA requires that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. In this case, XXXX has reported that my account type with XXXX XXXX was a revolving account, but the monthly payment was {$0.00}, which does not accurately reflect the account.
Section 623 ( a ) ( 2 ) ( A ) of the FCRA requires that credit reporting agencies investigate disputed information and delete or correct any inaccurate or incomplete information within 30 days. I have disputed this inaccurate information with XXXX, but the incorrect reporting by XXXX XXXX has not been corrected.
Section 312 ( a ) ( 1 ) of FACTA requires that furnishers ( creditors ) of information to credit reporting agencies ensure the accuracy of the information they provide. In this case, XXXX XXXX has not reported accurate information to XXXX, which has resulted in an inaccurate credit report.
According to my credit reports from XXXX, Equifax, and XXXX, there are several inconsistencies and errors regarding my account with XXXX XXXX ( XXXX ).
XXXX and Equifax reported that the account type was an installment account, while XXXX reported it as an auto loan. Additionally, XXXX and Equifax reported a monthly payment of {$0.00} and a balance of {$0.00}, while XXXX did not report any monthly payment or balance. Furthermore, XXXX reported a credit limit of {$0.00}, while XXXX and Equifax did not report any credit limit.
These conflicting and inconsistent reports are inaccurate and may negatively impact my credit score and ability to obtain credit. As a consumer, I have the right to accurate and complete information on my credit report.
I believe that XXXX XXXX may have provided inaccurate information to the credit reporting agencies, violating Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. Additionally, XXXX XXXX may have violated Section 623 ( a ) ( 2 ) ( A ) of the FCRA, which requires credit reporting agencies to investigate disputed information and correct any inaccurate or incomplete information within 30 days. Finally, XXXX XXXX may have violated Section 312 ( a ) ( 1 ) of the Fair and Accurate Credit Transactions Act ( FACTA ), which requires furnishers of information to credit reporting agencies to ensure the accuracy of the information they provide.
XXXX XXXX The account number in question is XXXX. According to XXXX and Equifax, the account type was reported as an installment account, while XXXX reported it as a recreational merchandise account. Additionally, XXXX reported a monthly payment and balance of {$0.00}, while XXXX and Equifax did not report this information at all. Furthermore, the last reported date was inconsistent across the credit reporting agencies, with XXXX and XXXX reporting XX/XX/XXXX and Equifax reporting XX/XX/XXXX.
These discrepancies have caused significant harm to my credit score and ability to obtain credit. I have experienced firsthand the negative impact that inaccurate credit reporting can have on one 's life. Due to these errors, I have been denied credit and suffered higher interest rates on loans and credit cards, resulting in additional financial burdens that I can not afford.
I would like to request that you enforce the legal provisions under Section 607 ( b ) and 623 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act to ensure that this inaccurate information is corrected or deleted from my credit report within 30 days. I also request that XXXX XXXX XXXX remove this unverified account from my credit report, as they have failed to provide accurate and complete information to the credit reporting agencies.
XXXX XXXX XXXX XXXX XXXX The credit reporting agencies, specifically XXXX and XXXX, have reported conflicting information regarding the account type and payment details. I believe that XXXX XXXX may have provided inaccurate information, which has affected my credit score and my ability to obtain credit.
According to XXXX, the account type is a revolving account, while XXXX reported it as a charge card. Additionally, XXXX reported a monthly payment of {$0.00}, while XXXX did not report any payment information. The last reported date also varies between the XXXX agencies, with XXXX reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX.
This inconsistent reporting is inaccurate and has had a significant impact on my life. Due to this inaccurate information, I have been denied credit and have had difficulty securing loans for important purchases, such as a car or a home. As a result, I have had to put off important life events and delay my plans for the future.
I believe that XXXX XXXX has violated Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. Additionally, Section 623 ( a ) ( 2 ) ( A ) of the FCRA requires credit reporting agencies to investigate disputed information and delete or correct any inaccurate or incomplete information within 30 days. If the consumer has disputed this inaccurate information with the credit reporting agencies and they have failed to investigate or correct the information within 30 days, they may be in violation of this provision.
XXXX XXXX XXXX XXXX ( XXXX ) Specifically, I am concerned about the inaccuracies in the account type, monthly payment, and payment status being reported by XXXX and XXXX.
According to XXXX, the account type for XXXX XXXX XXXX XXXX is listed as an installment account, while XXXX lists it as a recreational merchandise account. Additionally, XXXX reports a monthly payment of {$0.00}, while XXXX does not report any monthly payment information. This conflicting information is causing confusion and negatively impacting my credit score.
Furthermore, XXXX reports an " Unrated '' payment status for XXXX XXXX XXXX XXXX, while XXXX reports a bankruptcy status. I have not declared bankruptcy, and this inaccurate reporting could have serious consequences for my financial future.
As a consumer, I have the right to accurate information on my credit report. These inaccuracies are not only affecting my ability to obtain credit but are also causing me significant stress and anxiety. I have been working hard to improve my credit score, and these inaccurate reports are undoing my efforts.
Therefore, I am requesting that XXXX XXXX XXXX XXXX and the credit reporting agencies take immediate action to investigate and correct these inaccuracies. Under Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. The conflicting information being reported by XXXX and XXXX is a clear violation of this provision.
XXXX XXXX XXXX ( XXXX ) has reported to the credit reporting agencies regarding my account. The inaccuracies in the reporting have negatively affected my credit score and my ability to obtain credit.
According to XXXX, the account type and detail date were reported as an installment account, while XXXX reported it as an auto loan. Additionally, XXXX reported the monthly payment as {$0.00}, but XXXX did not report any payment information. Furthermore, XXXX reported the balance as {$0.00}, but XXXX did not report the balance at all. There is also a discrepancy in the last reported date, with XXXX reporting XX/XX/XXXX, while XXXX reported XX/XX/XXXX.
These discrepancies are in violation of Section 607 ( b ) of the Fair Credit Reporting Act, which requires that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. The inaccuracies in the reporting can be considered inaccurate and may impact my credit score and ability to obtain credit. XXXX XXXX XXXX may have provided inaccurate information to the credit reporting agencies, and I request that they correct this information immediately.
I am also invoking my rights under Section 623 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act, which requires that credit reporting agencies investigate disputed information and delete or correct any inaccurate or incomplete information within 30 days. If the credit reporting agencies failed to investigate or correct the information within 30 days, they may be in violation of this provision.
Furthermore, I believe that XXXX XXXX XXXX may be in violation of Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, which requires that credit reporting agencies provide notice of a dispute to the furnisher of the disputed information. If the credit reporting agencies failed to provide notice of the dispute to XXXX XXXX XXXX, they may be in violation of this provision.
XXXX, specifically account number XXXX. There are several violations of the Fair Credit Reporting Act ( FCRA ) that I have identified, which I believe are impacting my ability to obtain credit and negatively affecting my life.
According to XXXX, the account type for this account is listed as a revolving account, while XXXX lists it as a charge card. Additionally, XXXX reports a monthly payment of {$0.00}, while XXXX does not report any monthly payment information. Finally, XXXX lists the balance as {$0.00}, while XXXX does not list any balance information. These conflicting and inaccurate pieces of information can be considered as violations of Section 607 ( b ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report.
Furthermore, I have disputed this inaccurate information with the credit reporting agencies and they have failed to investigate or correct the information within 30 days, which is a violation of Section 623 ( a ) ( 2 ) ( A ) of the FCRA. Additionally, the credit reporting agencies may have violated Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires them to provide notice of a dispute to the furnisher of the disputed information.
Finally, there is inconsistency between XXXX and XXXX regarding the payment status of the account. XXXX reports an unrated or bankruptcy payment status, while XXXX reports that the debt was included in or discharged through bankruptcy XXXX XXXX XXXX, or XXXX. This may be a violation of Section 605 ( a ) ( 4 ) of the FCRA, which requires credit reporting agencies to indicate the fact of bankruptcy in the consumer 's credit report.
XXXX XXXX XXXX, account number XXXX.
The inaccurate information is regarding the account type, monthly payment, balance, and last reported date. XXXX is reporting that the account type was a revolving account, while XXXX is reporting that it was a charge card. Additionally, XXXX is reporting a monthly payment of {$0.00} and a balance of {$0.00}, while XXXX did not report this information. Finally, there is a discrepancy in the last reported date, with XXXX reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX.
These inaccuracies can impact my credit score and ability to obtain credit. As such, I would like to request that XXXX XXXX XXXX be required to remove these unverified collection accounts from my credit report.
Furthermore, I believe that these inaccuracies are a violation of Section 607 ( b ) - Accuracy of Information, Section 623 ( a ) ( 2 ) ( A ) - Duty to Correct and Delete Inaccurate Information, and Section 623 ( a ) ( 1 ) ( A ) - Requirement to Provide Notice of Dispute of the Fair Credit Reporting Act.
I have previously disputed this information with the credit reporting agencies, but they have failed to investigate or correct the information within 30 days, which is a violation of Section 623 ( a ) ( 2 ) ( A ).
These inaccuracies have had a significant negative impact on my life. I have been denied credit and loans, and my interest rates have been significantly higher than they should have been. This has caused me a great deal of stress and financial hardship.
Sincerely, XXXX XXXX
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03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have seen repeatedly fraudulent accounts and that have been taken off of my XXXX CONSUMER REPORTS AND NOW AS OF XXXX in my name on my consumer reports from XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Undated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Credit Card XX/XX/XXXX Open Past due 150 days XXXX XXXX 121 % {$4800.00} XX/XX/XXXX {$4000.00} XXXX {$760.00} {$4800.00} ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, XXXX XXXX XXXX Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. I did a XXXX report a FTC identity theft report state attorney general report a Florida consumer complaint Ive spoken with the representatives there multiple times about the fraudulent accounts that are reporting on my consumer report they have been on my report now. Well over the last two or three years Ive reached out to all three of the credit reporting agencies about the fraudulent accounts, and that they should be removed because these are not and never have been my accounts They have multiple addresses on my consumer reports addresses that Ive never lived at my entire life. a lot of the information with the misspellings of my name, and all of the addresses and especially with XXXX XXXX removed. At this point Im at. This is a cease and desist letter and warning to XXXX, about the fraudulent that are on my consumer report these are the accounts, the dates and the times. XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Undated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Credit Card XX/XX/XXXX Open Past due 150 days XXXX XXXX 121 % {$4800.00} XX/XX/XXXX {$4000.00} XXXX {$760.00} {$4800.00} Revolving Individual ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX. XXXX, XXXX XXXX XXXX, never gave ( XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Account Name ( XXXX XXXX XXXX ) Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Undated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Credit Card XX/XX/XXXX Open Past due 150 days XXXX XXXX 121 % {$4800.00} XX/XX/XXXX {$4000.00} XXXX {$760.00} {$4800.00} Revolving Individual XXXX Pursuant to my rights under the state and federal fair debt collection laws, I hereby ( DEMAND ) that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Florida Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( 1 ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, XXXX AND XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX who is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with ( 18 U.S.C 10284 ) This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXAccording to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. ( 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these updated addresses and update the address with the one above.Delete any and all other phone numbers.
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Delete all information in the employer section.
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., company XXXX unlawfully obtaining my " XXXX '' consumer report on XXXXwithout my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose.
" A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d
711 ( XXXX. XXXX. XXXX ).
15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. But XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure ni case of disputed accuracy, 15 U.S. code 1681b- Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. ( Gramm-leach-Bliley Act )
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06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX XXXX reached out to XXXX/EQUIFAX dispute department, XXXX XXXX XXXX, Ive sent papers from XXXX XXXX XXXX Department XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX EQUIFAX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site EXPERIAN/TRANSUNION/EQUIFAX then XXXX you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXXEquifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED Equifax, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state , Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXI am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/XXXXinto the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX XXXX XXXX EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NAME DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the reporting of my credit report that have been caused by XXXX XXXX XXXX XXXXXXXX ( XXXX ). Specifically, XXXX XXXX XXXX XXXXXXXX ( XXXX ) has reported different dates of last activity and sow dates on different credit reports, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).
As per FCRA section 623 ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. However, XXXX XXXX XXXX XXXXXXXX ( XXXX ) has reported different information on different credit reports, which is clearly a violation of this section of the FCRA.
Additionally, FCRA section 611 ( a ) ( 1 ) ( A ) requires CRAs to provide a free credit report to consumers once every 12 months upon request. If the information on these credit reports is inaccurate or incomplete, it could be a violation of this section of the FCRA. XXXX XXXX XXXX XXXX ( XXXX ) 's reporting of inaccurate information on my credit reports clearly violates this section of the law.
Furthermore, FACTA section 312 requires that furnishers of information to CRAs establish reasonable policies and procedures to ensure the accuracy and integrity of the information provided to CRAs. Again, XXXX XXXX XXXX XXXX ( XXXX ) 's reporting of different information on different credit reports is a clear violation of this section of the law.
These violations have had a significant negative impact on my life. For example, I recently applied for a loan to purchase a car, but my application was denied due to the inaccurate information in my credit report. This has left me without a reliable means of transportation, which has made it difficult for me to maintain my employment.
Therefore, I urge the CFPB to take action against XXXX XXXX XXXX XXXX ( XXXX ) and enforce the legal requirements of the FCRA and FACTA. I request that XXXX XXXX XXXX XXXX XXXX XXXX ) remove the unverified collection accounts from my credit report as soon as possible.
For instance, due to the unverified collection account XXXX XXXX XXXXXXXX reported, I have been denied loans, credit cards, and even employment opportunities. The stress and anxiety caused by this situation have affected my mental and emotional well-being.
I have noticed that XXXX # XXXX has violated specific sections of the Fair Credit Reporting Act ( FCRA ) by reporting different dates of last activity and sow dates on different credit reports. This may have violated FCRA section 623 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.
Additionally, XXXX # XXXX 's failure to provide accurate and complete information on all three of my credit reports may have violated FCRA section 611 ( a ) ( 1 ) ( A ), which requires CRAs to provide a free credit report to consumers once every 12 months upon request.
I am kindly requesting that you enforce the legal provisions of the FCRA to ensure that XXXX # XXXX complies with the law. I am also requesting that XXXX # XXXX remove these unverified collection accounts from my credit report as they are inaccurate and incomplete.
FACT ACT related to the reporting of account XXXX XXXX XXXX I am deeply concerned about the impact that these inaccuracies have had on my life. As a hardworking individual who strives to maintain good credit, I have been devastated to see my credit score drop and my financial opportunities limited due to these errors.
To provide some context, I have been a loyal customer of your company for XXXX XXXX XXXX years. I have always made my payments on time and in full, and I have never had any issues with my account until recently. However, despite my efforts to maintain good credit, I have discovered that your company has been reporting inaccurate information about my account to the credit reporting agencies.
Specifically, I have noticed that XXXX and XXXX are reporting different high balances and dates of last activity for the same account. Additionally, XXXX has not reported any information for this account, which may indicate a violation of the FCRA 's requirement to provide complete credit reports.
Based on my research, I believe that these discrepancies are clear violations of the FCRA and FACT ACT. Specifically, your company has violated the following sections of these laws : FCRA Section 607 ( b ) - Requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report.
FCRA Section 611 ( a ) - Requires credit reporting agencies to investigate and correct any inaccurate information upon receiving a dispute from a consumer.
FCRA Section 612 ( a ) - Requires credit reporting agencies to provide free annual credit reports that are accurate and complete.
FACT ACT Section 212 ( a ) - Requires credit reporting agencies to establish and implement reasonable procedures to ensure the maximum possible accuracy of the information they report.
FACT ACT Section 214 ( a ) - Requires credit reporting agencies to promptly investigate and correct any inaccurate information upon receiving a dispute from a consumer.
FACT ACT Section 215 ( a ) - Requires credit reporting agencies to provide free annual credit reports that are accurate and complete.
I understand that your company has a responsibility to report accurate information to the credit reporting agencies, and I am requesting that you take immediate action to correct these errors. Specifically, I am requesting that you remove the unverified collection account from my credit report.
The XXXX XXXX XXXX XXXX ( Account Number : XXXX ). According to my credit report from XXXX, this account has been reported with a high balance of {$3100.00}, while XXXX and Equifax did not report this information. Additionally, the payment status has been reported as a collection/chargeoff, but I have not received any paperwork regarding the debt.
I believe that XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by not reporting accurate information about this account. Specifically, Section 607 ( b ) of the FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. If the payment status is reported as a collection or chargeoff, but I have not received any paperwork regarding the debt, this may be inaccurate information that should be investigated and corrected by the credit reporting agency.
Furthermore, Section 611 ( a ) of the FCRA requires credit reporting agencies to investigate and correct any inaccurate information upon receiving a dispute from a consumer. If I dispute the accuracy of the information being reported for this account, the credit reporting agency is required to investigate the matter and correct any errors found.
This inaccurate information on my credit report has had a significant impact on my life. It has made it difficult for me to secure loans or credit, and has caused me a great deal of stress and anxiety. I urge you to enforce the legal requirements set forth in the FCRA and ensure that XXXX XXXX XXXX XXXX and the credit reporting agencies involved correct the inaccurate information being reported for this account.
I request that the creditor remove this unverified collection account from my credit report. I appreciate your attention to this matter and look forward to hearing back from you soon.
XXXX XXXX XXXX XXXX. Specifically, their reporting of a high balance on account number XXXX is inaccurate and potentially a violation of the Fair Credit Reporting Act ( FCRA ).
According to my credit report, XXXX XXXX XXXX XXXX has reported a high balance on this account, but neither XXXX nor Equifax reported it. Additionally, XXXX did not investigate the matter despite my dispute. The account rating is derogatory, with the status being reported as a collection/chargeoff, and the account has been closed due to inactivity. The creditor remarks indicate an unpaid balance reported as a loss by the credit grantor, but I have not received any paperwork regarding this debt.
This inaccurate information has had a significant impact on my life. As a result of this error, I have been denied credit, housing, and job opportunities. It has caused a great deal of stress and anxiety for me and my family.
I believe that XXXX XXXX XXXX XXXX has violated several sections of the FCRA, including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report, and Section 611 ( a ), which requires credit reporting agencies to investigate and correct any inaccurate information upon receiving a dispute from a consumer. Additionally, Section 623 ( a ) ( 2 ) requires that the creditor must report the date of delinquency to the credit bureau within 90 days after the delinquency, and I am not sure if this has been done accurately or timely.
Therefore, I request that you enforce the legal requirements of the FCRA and ask XXXX XXXX XXXX XXXX to remove these unverified collection accounts from my credit report.
the reporting of a collection account by XXXX XXXX # XXXX on my credit report. While Equifax is showing the account as derogatory, the other two credit bureaus are not reporting anything. This discrepancy raises concerns about the accuracy of the information being reported by Equifax and potential violations of Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report.
Furthermore, XXXX is reporting the account as closed and with a payment status of collection/chargeoff, but I have not received any paperwork or notification from them regarding this status. I have disputed the accuracy of the account status and payment status being reported by XXXX, but they have not investigated or corrected the information. This may be a violation of Section 611 ( a ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccurate information upon receiving a dispute from a consumer.
This incorrect and unverified reporting has had a significant impact on my life. I have been denied credit and have faced higher interest rates due to this collection account being reported on my credit report. It has been a constant source of stress and anxiety for me and has made it difficult to achieve my financial goals.
I ask that you enforce the legal requirements under the FCRA and ensure that Equifax and XXXX take the necessary steps to correct any inaccurate information being reported. Additionally, I request that XXXX XXXX XXXX XXXX* remove this unverified collection account from my report.
being reported on my credit report by XXXX, Equifax, and XXXX regarding my account with XXXX XXXX # XXXX with XXXX.
XXXX and Equifax reported a high balance of {$3400.00} on the account, while XXXX did not report it. Additionally, there are discrepancies in the latest confirmed date, date of last activity, closing date, creditor remarks, and last payment being reported by the three credit reporting agencies.
These discrepancies are not only causing confusion but are also impacting my ability to obtain credit and loans. As a hardworking individual, it is frustrating to see my credit score negatively impacted due to inaccurate reporting by the credit bureaus.
Furthermore, I believe that XXXX and Equifax may have violated Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) by not taking reasonable measures to ensure the accuracy of the information they reported. Additionally, the failure of all three credit reporting agencies to investigate and correct the inaccurate information I disputed may be a violation of Section 611 ( a ) of the FCRA.
I also believe that XXXX and Equifax may have violated Section 623 ( a ) ( 2 ) of the FCRA by reporting a later date of last activity than XXXX. This is a violation of my rights as a consumer and may have serious consequences for my financial future.
These errors have caused significant distress in my life, as I have been denied credit and loans due to inaccurate reporting. I urge you to enforce the laws outlined in the FCRA and ensure that these errors are corrected immediately. I am requesting that the unverified collection account be removed from my credit report.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to dispute the unverified collection account on my credit report that was reported by XXXX XXXX XXXX ( XXXX ) for a debt owed to XXXX with account number ( XXXX ). The account status is reported as " Not satisfying F20_TRADE '' and is seriously past due with assignment to an attorney, collection agency, or credit grantor 's internal collection department. However, I have never received any notification from XXXX regarding this seriously past due account nor have I received any paperwork related to this account. Additionally, the other two major credit bureaus have not reported any negative information about this account.
Furthermore, it appears that XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : FCRA Section 607 - Duties of furnishers of information to consumer reporting agencies FCRA Section 609 - Disclosures to consumers FCRA Section 611 - Procedure in case of disputed accuracy FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies FCRA Section 626 - Disclosures to FBI for counterintelligence purposes FCRA Section 627 - Disclosures to governmental agencies for counterterrorism purposes FCRA Section 628 - Disposal of records FDCPA Section 807 - False or misleading representations FDCPA Section 809 - Validation of debts FDCPA Section 810 - Multiple debts and consumers FDCPA Section 812 - Furnishing certain deceptive forms FDCPA Section 813 - Civil liability FDCPA Section 814 - Administrative enforcement Therefore, I am requesting that the CFPB enforce the applicable laws and require XXXX to remove this unverified collection account from my credit report. I also request that XXXX be held accountable for the violations of the FCRA and FDCPA.
information reported by XXXX XXXX XXXX regarding an account they are reporting on my credit report. The account in question is associated with Original Creditor : XXXX XXXX, and the account number is XXXX XXXX.
According to Equifax, the account type was reported as an Open Account, but the other two credit bureaus did not report it. Additionally, Equifax reported an account status of Not Satisfying F20_TRADE, but XXXX and XXXX did not report any account status. Furthermore, Equifax reported a date opened of XX/XX/XXXX, but the other two bureaus did not report any opening date. Finally, Equifax reported comments on a collection account, but XXXX and XXXX did not report any comments.
I believe that XXXX XXXX XXXX has violated several sections of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Section 607 of the FCRA requires that furnishers of information must provide accurate and complete information to the credit reporting agencies. If XXXX XXXX XXXX provided different information to different credit bureaus, they may have violated this section. Section 623 of the FCRA requires that furnishers of information must investigate and correct disputed information in a timely manner. If XXXX XXXX XXXX failed to investigate and correct disputed information, they may have violated this section.
Furthermore, the FDCPA Section 807 prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. If XXXX XXXX XXXX reported inaccurate information about the account to the credit bureaus, they may have violated this section. Additionally, FDCPA Section 809 requires that debt collectors must provide written validation of a debt upon request from the consumer. If XXXX XXXX XXXX failed to provide me with validation of the debt upon request, they may have violated this section. I believe that XXXX XXXX XXXX has unfairly damaged my credit history.
I am disputing the collection account with account number XXXX-XXXX, which was sold to XXXX XXXX XXXXXXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my credit report, the account type is listed as " Open Account '' on Equifax, but not on XXXX or XXXX, and it is also listed as a " Collection Account '' on Equifax, but not on the other two bureaus.
This reporting is inaccurate and misleading, and it violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Under Section 607 of the FCRA, creditors such as XXXX XXXX XXXX are required to provide accurate and complete information to the credit reporting agencies. By providing different information to different credit bureaus and reporting the account type inaccurately, XXXX XXXX XXXX has violated this section.
Additionally, under Section 623 of the FCRA, creditors are required to investigate and correct disputed information in a timely manner. I have disputed the inaccurate information on my credit report with XXXX XXXX XXXX, but they have failed to investigate and correct it, which is a violation of this section.
Furthermore, under Section 807 of the FDCPA, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. By reporting inaccurate information about the account to the credit bureaus XXXX XXXX XXXX XXXX has violated this section.
Finally, under Section 809 of the FDCPA, debt collectors are required to provide written validation of a debt upon request from the consumer. I have requested validation of the debt from XXXX XXXX XXXX, but they have failed to provide it, which is a violation of this section.
Therefore, I am requesting that the unverified collection account with account number XXXX-XXXX be removed from my credit report. I also request that XXXX XXXX XXXX be held accountable for their violations of the FCRA and the FDCPA.
XXXX XXXX XXXX in regards to the collection account that they have reported on my credit report. The account in question ( Account Number : XXXX-XXXX ) is allegedly an open account, but in fact, it is a collection account. I have never received any notification from the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX, that my account had been sold to a collection agency. Furthermore, XXXX XXXX XXXX failed to provide me with any paperwork or written validation of the debt upon my request.
These actions by XXXX XXXX XXXX are in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 807 and 809. Section 807 prohibits debt collectors from using false or misleading representations in connection with the collection of any debt. By reporting the account as open when it was a collection account, XXXX XXXX XXXX has misrepresented the status of the account. Section 809 requires that debt collectors must provide written validation of a debt upon request from the consumer. As I have not received any notification or validation of the debt from XXXX XXXX XXXX, they may have violated this section as well.
dispute the inaccurate information that has been reported on my credit report by XXXX XXXX ( XXXX ). According to my credit report, there are multiple errors in the reporting of my account, including different account types, inconsistent payment status, and inaccurate balance information.
Section 607 of the Fair Credit Reporting Act ( FCRA ) requires that furnishers of information must provide accurate and complete information to the credit reporting agencies. XXXX XXXX provided different information to different credit bureaus, which violates this section of the law. Additionally, Section 609 of the FCRA requires that credit reporting agencies must disclose the information in your credit report to you upon request. If the information in my credit report was reported inaccurately or not disclosed, the credit reporting agencies may have violated this section.
Furthermore, Section 610 of the FCRA requires that credit reporting agencies must provide the information in a clear and understandable format. If the information in my credit report was not presented in a clear and understandable format, the credit reporting agencies may have violated this section.
In addition to the FCRA violations, there may be violations of the Fair Debt Collection Practices Act ( FDCPA ). Section 807 of the FDCPA prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. If XXXX XXXX reported inaccurate information about the account to the credit bureaus, they may have violated this section of the law.
XXXX XXXX XXXX XXXX ( XXXX ) has reported to the credit bureaus regarding my account with them. I have reviewed my credit report from XXXX and Equifax and have found several inaccuracies in the information that XXXX XXXX XXXX XXXX has provided to these agencies.
According to XXXX, the account type for my loan with XXXX XXXX XXXX XXXX is an " Unsecured Loan, '' but Equifax is reporting it as an " Installment '' account. Additionally, XXXX reports that the number of months for my loan was 60, while Equifax reports that it is a monthly payment due every month. There is also a discrepancy in the high credit balance reported, with XXXX reporting {$10000.00} and Equifax not reporting it at all. Finally, XXXX reports the " Date Last Active '' as XX/XX/XXXX, while Equifax reports XX/XX/XXXX.
These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 607, 609, and 610. Section 607 requires that furnishers of information, such as XXXX XXXX XXXX XXXX, must provide accurate and complete information to the credit reporting agencies. Inaccurate reporting of the account type, number of months, and high credit balance violates this section. Section 609 requires that credit reporting agencies must disclose the information in your credit report to you upon request, and inaccurate reporting violates this section. Finally, Section 610 requires that credit reporting agencies must provide the information in a clear and understandable format, and the discrepancies in reporting violate this section as well.
These inaccuracies have had a significant impact on my credit score and have made it difficult for me to obtain credit and loans at favorable interest rates. It has also caused me significant stress and anxiety, as I am constantly worried about the negative impact on my financial future.
I am requesting that XXXX XXXX XXXX XXXX remove these unverified collection accounts from my credit report, as they are in violation of the FCRA and have caused me undue harm. I would appreciate your prompt attention to this matter, as it is critical to my financial well-being.
XXXX XXXX XXXX ( XXXX ) has provided to the credit reporting agencies regarding my account. It has greatly affected my life and caused me significant emotional distress.
According to XXXX, XXXX XXXX XXXX reported an installment account, but XXXX claimed it was an unsecured loan. Additionally, XXXX mentioned that the account status was closed, but I never received any notification from them regarding this closed account. They also never provided any paperwork with me, while the other two bureaus report an indeterminate status on my account.
Furthermore, XXXX mentioned that the monthly payment balance is {$0.00}, but XXXX and Equifax did not report it. Also, XXXX mentioned the credit limit is {$0.00}, but the other two bureaus did not report any negative information on my account.
These inaccuracies violate several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 607, furnishers of information to credit reporting agencies must provide accurate and complete information. XXXX XXXX XXXX has provided different information to different credit bureaus, reported inaccurate information such as the account status, and failed to provide any paperwork regarding the closed account. This violates the FCRA.
Under Section 609, credit reporting agencies must disclose information in your credit report upon request. However, the information provided to me by the credit reporting agencies was inaccurate or not disclosed at all, which may have violated this section.
Finally, under Section 610, credit reporting agencies must present information in a clear and understandable format. The information presented on my credit report was not clear and understandable, which may have also violated this section.
The inaccuracies in my credit report have caused me significant emotional distress, affecting my ability to obtain loans, credit cards, and other financial services. I request that XXXX XXXX XXXX remove the unverified collection account from my credit report immediately.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I desperately and urgently need help in resolving this or will face catastrophic ramifications, If there is someone I can speak to by phone, I would be so grateful! I apologize that my complaint does not fall into the typical categories and specific issues that you list, I chose the closest one... My problem is one in which I had never heard of, and due to that, I have been unable to obtain help, support or assistance in resolution, from any of the typical options, i.e. Credit Repair companies, Attorney's who specialize in credit reporting issues, etc. The "problem" is that I have a perfect credit report, and all three bureaus have continually dropped my "score' so low that it completely excludes me from getting a mortgage, which I am desperately trying to obtain. The law allows scores to be affected to a certain limit I am told (i.e. 35% for utilization) yet, my score over the last XXXX months has been so volatile, swinging between XXXX points, to XXXX points to XXXX points, up and down, literally every few days.
Most of the "volatility" is reportedly based on my use of my credit cards, having nothing to do with my on time payment of my credit cards, or any failure to do so. The scores assigned by all three bureaus do not factually represent my "credit worthiness" and the "problems" as explained to me by the bureau's, as well as those who have denied my Mortgages, Private loans and HELOC's, are impossible for me to "correct", at least in no time within my remaining life expectancy!
The basis for the Fair Credit and Reporting Act, I believe, or at the least the congressional intent I believe, is that if there is a credit problem, or an issue with someones credit, which renders them unable to obtain credit, or ends up causing them to pay so much greater than any other person for any credit they may be able to obtain, or in this country, prohibits them from having fair access for a chance to a reasonable and fair life in America today, is that the laws as they exist would offer each person know about their credit "issue" and provide a manner in which they can work to improve their credit, and eliminate the problem, which ostensibly their behavior has caused.
However, my problem is not able to be fixed, not any time soon, not in time to preclude catastrophic damage to my life, the loss of my businesses, and causing me to default on obligations I have, and some of the issues cannot be fixed in my lifetime, as I am XXXX years of age. I will soon be too old to work, so the thought that my credit will improve is not accurate, or even reasonable to assume, as my income in a few years will decrease, certainly not increase, as I get closer to retirement age. They have literally destroyed my credit, yet, I have not one thing which is negative on my entire credit report, certainly nothing I can fix! I have been turned down for every mortgage and the bureaus report my terrible credit score today on the issues they claim are causing my terrible score, as follows :
XXXX My oldest credit account is too young (I have had credit given to me, since I am XXXX years old, I have paid with exceptional history, and have paid off all my debts and have few new ones!) Therefore, now that this issue has destroyed my credit, nothing I am capable of doing NOW can add years to a credit account. Had I understood what paying my debt could cause, I would have not paid them over the years! Even though my XXXX years history is being ignored of all that I have paid, and paid timely!
XXXX My use of my (low limit ) credit cards is causing my "utilization of my available credit to be too high" - I use my credit cards to pay some bills, put gas in my car etc and I pay the cards off in full each and every month, on time, sometimes I make a payment to the card as soon as i charge something on it, I carry no balances. I use my cards as a payment vehicle. I had feared using my debit card due to the high incidence of fraud and didn't want anyone to have direct access to my bank funds. I thought this was wise. I do use my cards each month, but I carry no balances, but have now been destroyed because i use the cards (some have a limit as low as $XXXX It doesn't take much to go over 30% which is what the bureaus tell me "the computer wants to see"- had I known this, I would have requested an increase in my limit years ago, but not knowing this info until it has killed me, the limits I had have worked fine for me- however, now that I do know and understand the 30% thing, I can't request increase now, because my score is so low I would be denied anyway, and every inquiry for an extension of credit is another inquiry on my credit report, which lowers my score)
XXXX The final reason they all give me is that I have had too many hard inquiries on my credit. The law states that while shopping mortgage rates, or automobile rates, the credit score can only be penalized for one inquiry, if the applications are within I believe a XXXX day time frame. Due to problems with my XXXX mortgage application, beyond my control, I have had to shop numerous times for mortgage this year, and every inquiry is listed on my credit report. They tell me they must list them all, but are only counting them all as once, yet, every application I make is denied due to the "number of inquiries" I have had. I cannot change this, yes, they will fall off in two years, but where shall I live during that time?
Now, since i sold my original home, and because my mortgage lender backed out of my mortgage approval XXXX hours before closing, due to aa cracked outdoor patio slab, they told me, I used all my available cash, the cash in my companies, etc to be able to close my home purchase contract with cash, so I would not default on my purchase contract, yet now I am being penalized for "not having a first mortgage in place" yet nobody will give me a mortgage now that my score has dropped as low as XXXX- and today is listed at XXXX in my latest denial-
Also, the craziest thing, beyond my control, as my score has dropped so very low, other credit relationships I had in place, like a store credit card, which I hardly ever even used, without ever contacting me, or asking me what was going on with my score, or giving me any opportunity to explain, nor did they even look at my credit report, when my score dropped by XXXX points, they unilaterally closed my account, or dropped my "line of credit to $XXXX or lower, in this crazy chain reaction to my score dropping so low, which further hurt my score! How on earth does all this represent my credit worthiness!
Yet, when I open the account which I pay for, with XXXX Equifax, XXXX, which I pay for, for the purpose which they sell it to me, to "monitor and be aware of my credit score" Yet, every lender reports a score number to me which they are getting upon doing a credit check on my application, and they are informed of a much lower score, when they run my credit score, on the exact same day as I am seeing my score level through my "monitoring service" directly with the Bureaus! I am at my wits end, this horror I have lived for the last XXXX months since my credit score has bounced from a XXXX down to a XXXX, and now seems to hover around the low XXXX, yet the Bureaus tell me they can't give me financial advice when I challenge them to explain how their score keeps with the law, and how it represents my report, and I ask them how can I improve my score, and I explain that I have low debt, my XXXX companies earn XXXX million combined income annually, my personal income is very respectable, my assets are high, yet, all good without anything negative on my report, yet there is absolutely nothing I can do anything to "fix" credit score and resolve this problem.
I have been financially devastated, I am going to lose my companies because I can't recover the cash I took to close on my home, now, that I cannot qualify to get a mortgage, or LOC or HELOC. I will default on a number of obligations I have, yet the only "sin" I have committed financially, was that I sold my home, paid off my mortgage in full, I bought another home and paid in cash, not because I wanted to, but because a mortgage lender walked out on me XXXX hours before my closing, in the same XXXX month period that my car died and I had to trade it in for a new one, thus closing another 'older account"!! This is all incredulous!
This cannot be what the Consumer Financial Protection Bureau, or the Fair Credit Act intended, when they established the laws on Fair Credit Reporting. So, nothing is "factually" incorrect on my credit report, but they are penalizing me that I use, and I honorably pay my credit cards in full, at least once if not more often, every month. Yet, if i fill my car with gas and use my credit card at the pump, by the time I pull out of the station I get a notification that my credit score has gone down, because I charged XXXX on my credit card! Even if I immediately go online, and immediately pay that XXXX from my bank and clear the balance on my card, which i do constantly, my credit sinks again because I "made use of my available credit at a ratio the computers don't like" They tell me to use only 30% of my available credit, but now that i have all my cash trapped in my home, unable to get a mortgage and get my cash back, and now that I can only use 30% on the XXXX low limit credit cards I had before knowing all this, how shall I survive?
I just can't believe that I have done things so responsibly, paid everything I owe and pay on time, and my credit score today is a 603! I literally will lose everything in my life if this continues even another few weeks, and there is not one thing I can do to fix it, and nobody I can go to. Even the bureaus tell me that no human has interaction with the scores, they say they are all computer generated! So, they are accurate, I have no old credit accounts, because I have paid responsibly, I have not asked for high lines of credit on my few little credit cards, because I never needed more credit than those cards gave me when first opened, and I have desperately tried to get a mortgage this year, and I cannot remove those inquiries from my report, just not sure why they are breaking the law by clearly penalizing my credit score for those inquiries, despite what the law dictates on protecting me from that, when shopping for a mortgage. Also, when I went to trade my car in last spring I specifically requested the auto dealer not shop many rates for my loan, explained that I was in the mortgage application process, yet, despite my request, he ran so many, which are all listed on the same date on my credit report, so it does fall into the category of "shopping rates for a large purchase" which is not supposed to be held against my score, legally, yet it is and it has! Please see the attached denials, and the crazy variety of credit scores, all provided on same day, from same bureaus, and see the disparity between the figures they are reporting! If there was a way I could attach the history of my credit score since last spring, and the wild up's and down's based solely on the use of my credit cards, which are all paid timely, it makes no sense. Even if the "computers" do not like the inquiries, and do not like how I have used my credit cards, Iwouldunderstnd If I lost some points of a perfect XXXX score, but to render my credit score down to a XXXX, or a XXXX, for doing nothing late, doing nothing irresponsible, etc. is beyond my comprehension how they get away with this and destroy lives, based on arbitrary computer likes and dislikes? Are we already victims of Artificial Intelligence?
That is the sound of what the Credit Bureau's are doing when they tell me that "they can't even explain what the heck is going on with my credit score and advise me that i should just give it time" , and they tell me that "the computer does crazy things sometimes that nobody understands, but that is the way it is!"
Hard to wrap my head around that when I have worked hard to honor all my commitments in life, have nothing wrong on my report, but can't recover from what they are doing to me! Is there anyone there I can speak to regarding this ongoing unfair horror?
I have a plethora of supporting documents that the system here is not uploading for some reason. Can I please email or get this documentation to someone to send along with this complaint? They are substantial proof of what I have complained about, the mortgage denials, the varying scores distributed on the same day by same bureau depending on who is requesting my score. etc.
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01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
To whom it may concern at the Federal Trade Commission ( FTC ), I have been disputing with Euifax since XX/XX/XXXX trying to remove some accounts that have multiple inaccuracies but Equifax states each and every time that the accounts have been updated but not deleted. Now here is the problem if Equifax updated and verified these accounts but nothing within these accounts have changed, according to the FCRA section 623 ( A ) ( 1 ) ( a ), what was updated? Please examine the XXXX XXXX credit reports from XXXX, XXXX and XX/XX/XXXX, in the attachment named complete XXXX XXXX Reports for months of XX/XX/XXXX through XXXX XXXX, the attachment called account XXXX and the attachment called XXXX XXXX XXXX XXXX XXXX to examine, check and to verify that these fields has not changed nor has any other data has changed at all within the last 3 months, which is a violation of the FCRA section ( A ) ( 1 ) ( a ),. I took the liberty to create a 4th account box that has all the information including the 2 year payment histories of each account and it is found after the XXXX XXXX credit report of this account dated XX/XX/XXXX.
I am attaching the letters I sent to Equifax with the signed and dated return receipts as an attachment called XXXX, for proof of my disputes and the last 6 months of the XXXX XXXX credit reports showing each of these accounts and highlighted text showing these 2 fields that were not changed down below in the attachment called visual proof. I am requesting that you, the CFPB, investigate these accounts and Euifax for blatant and maliciously attacking my credit, my life, my childrens lives and me by refusing to complete an investigation according to the FCRA section 623 8 ( A ) and the FCRA section 611 ( A ), failure to to do an independent investigation when asked by me according to the FCRA section 623 8 ( A ) and the FCRA section 611 ( A ), failure to change/delete an account after being shown numerous times the false and inaccurate data on my reports according to the FCRA section 623 ( A ) ( 1 ) ( a ), failure to provide documentation when I asked specifically for it according to the FCRA 611 ( 6 ) ( B ) ( iii ) and section 611 ( 6 ) ( A ), and failure to notify other investors of my current disputes by not placing the required notice of dispute in the comment section after the 30 day period after they first received my dispute as according to the FCRA section 623 ( A ) ( 3 ) and the FDCPA section 806 ( B ), all of these are hurting me financially, emotionally and physically by raising my stress levels and causing my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The following is a list of accounts that I am requesting you, the CFPB, to investigate with you and also performing an investigation against the credit bureau known as Equifax for multiple violations as listed above. Again to see all the letters with the signed and dated return receipts please view the attachment called letters and to see visual proof from XXXX XXXX showing that there were never any changes made to these accounts, that there was never any independent investigations done within the last 6 months and to view and examine the missing required notice of dispute found on the XX/XX/XXXX investigation report see attachment called visual proof. Also you can see and verify that there was never any changes made to these accounts in the last 6 months except for the addition of the consumer dispute comment therefore how was my accounts updated as Equifax has stated in their investigations reports ( see attachment called investigation reports. Furthermore, I attached 3 credit reports dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, see attachment called credit reports, where you can also see that none of the data has been updated, a violation according to FCRA section 623 ( A ) ( 1 ) ( a ), there is only one account missing the notice of dispute and that is found in the XXXX XXXX XXXX investigation report which is a violation according to FCRA section 623 ( A ) ( 3 ) and the FDCPA section 806 ( B ), there was never any independent re-investigations done as I asked for in many letters proven by that none of the other data within this account has ever been updated or changed, another violation according to the FCRA section 623 8 ( A ) and FCRA section 611 ( A ) and failing to update or delete data that is inaccurate and being shown that this data is inaccurate, a violation of the FCRA section 623 ( A ) ( 1 ) ( a ). Now for the account called XXXX XXXX / XXXX XXXX ACCOUNT NUMBER : XXXX let me show you all the inaccuracies and violations that I have found, by examining my XXXX XXXX credit report dated XX/XX/XXXX, which you can see in the attachment called XXXX XXXX XXXX XXXX XXXX and in the attachment called complete XXXX XXXX Reports for months XX/XX/XXXX through XX/XX/XXXX, pdf.
1. Delete for inaccuracy because XXXX reports this as a credit card and Equifax reports it as -. Delete for missing information.
2. Delete for inaccuracy because there is no high credit value listed. Delete for missing information.
3. Delete for inaccuracy because XXXX reports the credit limit as {$0.00} and Equifax reports the credit limit as {$300.00}. How can 1 creditor report the identical information to 2 bureaus and both bureaus report differently?
4. Delete for inaccuracy because XXXX reports the last reported date of XX/XX/XXXX and Equifax reports the last reported date as XX/XX/XXXX. How can 1 creditor report the same information but then 2 bureaus report different things?
5. Delete for inaccuracy because Equifax is reporting XXXX XXXX is the credit limit and this is also known as a limit trap which is deliberate in nature to harm credit scores.
6. Delete for inaccuracy and violation because the XXXX reports the date last active as XX/XX/XXXX and Euifax reports the date last active as XX/XX/XXXX. This means this account will naturally fall of my credit report on 2 different dates. This cant be true and accurate.
7. Delete for inaccuracy and violation because the date of last payment is different on XXXX and Equifaxs reports. XXXX reports the date of last payment as XX/XX/XXXX and Equifax reports the date of last payment as XX/XX/XXXX. This means that 7.5 years for statutory limitation will end on 2 different dates. This cant be true and accurate.
8. Delete for inaccuracy and violation because the payment history shows XXXX charged off this account in XX/XX/XXXX while Equifax shows I paid on time in XX/XX/XXXX. How can this be accurate or even true? Furthermore Equifax is showing payments for the months of XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX which is very inaccurate and wrong. Show me by mailing me the bank statements from XXXX XXXXXXXX XXXX that I made these payments on time and for these months and I will believe that this account is true and accurate. Furthermore delete this account for showing payment history activity after the charge off date, which none of Equifaxs reports show, so what is the date this account was charged off? According to XXXX this date is XX/XX/XXXX.
9. Delete for inaccuracy because XXXX is changing the charge off date and I need to use this date because Equifax doesnt report this date but XXXX in XX/XX/XXXX reports the charge off date as [ XX/XX/XXXX ] and in XX/XX/XXXX reports it as [ XX/XX/XXXX ] furthermore, Equifax reports no payments in XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX Equifax reports no payments in XXXX and XX/XX/XXXX therefore making this payment history completely inaccurate. Also in XX/XX/XXXX Equifax states that no payments were made in the months of XXXX and XX/XX/XXXX. How can these payments be different each and every month?
10. Delete for inaccuracy because the account name has changed a few times from XXXX in XX/XX/XXXX to XXXX XXXX in XXXX, XXXX and XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX XXXX in XX/XX/XXXX. Is Equifax making blatant attacks on me in trying to confuse me or are they trying to prolong this account by changing the name so I wont continue to try and dispute this account?
Now what I believe is happening here is that Equifaxs E-Oscar system is somehow reporting my other disputes from XXXX XXXX and XXXX as you can see by the attachment called XXXX XXXX XXXX XXXX XXXX XXXXXXXX and according to the FCRA section 623 ( A ) ( 1 ) ( a ) this is a violation. If this is true then all these so called investigations is falsely reporting information therefore making all my results false and inaccurate again going by the FCRA section 623 ( A ) ( 1 ) ( a ) so these accounts that I am disputing must be deleted immediately and I also believe that this account specifically has been confused with another account of mine see attachment called account XXXX in the first section called myfico report dated XX/XX/XXXX.
This clearly shows that accounts are being mixed together as shown by the field named company name where Equifax states XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX states it as XXXX XXXX XXXX delete this account immediately! Delete this whole account for multiple inaccuracies and multiple violations immediately!!
Next lets take a look at all the inaccuracies and violations I have found in my account named XXXX XXXX XXXXXXXX XXXX. ACCOUNT NUMBER : XXXX from examining the credit files directly from Equifaxs website.
1. Delete for inaccuracy and violation because you are reporting this account closed by you are missing the required date of last activity.
2. Delete for inaccuracy because Equifax is not reporting the terms for this account therefore it is missing needed information.
3. Delete for inaccuracy because Equifax refuses to report the high credit value after I asked them to do many times.
4. Delete for inaccuracy because the date of first delinquency equals the date of last payment which equals the delinquency first reported date all of which are XX/XX/XXXX. How can this true and accurate when this is saying on XX/XX/XXXX Equifax received my last payment but then reported me being late or delinquent on that same month?
5. Delete for inaccuracy and violation because the address of this creditor is wrong, inaccurate and non-deliverable, see attachment called account XXXX page number : 6 for irrefutable proof.
6. Delete for inaccuracy because the payment history is showing nothing therefore Equifax failed to provide required information.
7. Delete for inaccuracy because this account is missing information such as the date closed.
8. Delete for inaccuracy because the charge off amount is missing.
9. Now what I believe is happening here is that Equifaxs E-Oscar system is somehow reporting my other disputes from XXXX XXXX and XXXX as you can see by the attachment called proof that E- Oscar is not working.pdf and according to the FCRA section 623 ( A ) ( 1 ) ( a ) this is a violation. If this is true then all these so called investigations is falsely reporting information therefore making all my results false and inaccurate again going by the FCRA section 623 ( A ) ( 1 ) ( a ) so these accounts that I am disputing must be deleted immediately and I also believe that this account specifically has been confused with another account of mine see attachent called account XXXX in the first section called myfico report dated XX/XX/XXXX. This clearly shows that accounts are being mixed together as shown by the field named company name where Equifax states XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX states it as XXXX XXXX XXXX delete this account immediately! Delete this whole account for multiple inaccuracies and multiple violations immediately!!
Furthermore, in regards to Equifax not completing any investigations or re-investigations when I asked for them, I like to bring up XXXX XXXX XXXX XXXX of XXXX where it was said by the courts that it is the grave responsibility and duty of the CRAs to complete a reasonable and complete independent investigation into consumers accounts when feasible. I believe after 6 months this request has became feasible and required since Equifax decided that they did not have to do any investigations into my accounts. The courts also said that E-Oscar isnt an acceptable means of doing a complete and thorough investigation.
Without further ado here is the list of accounts that I want deleted and for you, the CFPB, to investigate and then investigate Equifax for multiple violations and failure to do their job.
Here are the list of accounts that need to be deleted immediately.
XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX.
Thank you greatly for any and all help you can provide, XXXX XXXX XXXX XXXX.
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03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XXXX Social Security XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XX/XX/XXXX 2nd Letter to Remove Inaccurate Credit Information To Whom It May Concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original credit application on file. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your re-investigation. Also, tell me why didnt you send me copies of the verification like I asked you to?
As I am sure that you are well aware, current case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have NOT provided me a copy of ANY original documentation that you have on file that is required under Section 609 & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
.
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : the following addresses are reporting incorrectly and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following spouse is reporting incorrectly and needs to be removed immediately XXXX XXXX The following aliases are reporting incorrectly and need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Explanation- pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : DEPARTMENT OF EDUCATION/XXXX Account Number : XXXX, XXXX, XXXX, XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX Account XXXX : XXXX XXXX : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX, XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX
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09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX CREDIT CARD has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all XXXX credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights by reporting fraudulent information across all XXXX credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all XXXX credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all XXXX credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all XXXX credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX has violated my rights by reporting fraudulent information across all XXXX credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all XXXX credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all XXXX credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have contacted all of the debt collectors that are here in this complaint, including XXXX, XXXX XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent over XXXX complaints FTC complaints, affidavit of truth, California state, Attorney General complaint, as well as the California, consumer protection and innovation complaint these accounts that are on my consumer report are result of identity theft I repeat identity theft. I have struggled so many times I have legal documentation and in which way Ive had to go to the DMV to change my drivers license number multiple times because of this. Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) XXXX XXXX XXXX Case Number XXXX Court Docket Number XXXX ) XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under ( 15 US code 1692e- ( 15, US code 1692G ) 15 US code 1681B and ( 15 US code 1681C- 2 ) theyve received the paperwork from the US Justice Department about the fraudulent accounts . The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt XXXXEquifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft 15 US CODE 1681 C-2 ( XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX/EQUIFAX/XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) -of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. in accordance with ( 18 U.S.C 8 ) and being that you ( XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX/EQUIFAX/XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/ 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and equifax have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
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02/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
The listed information being provided below is inaccurate I am requesting that the following listed below be immediately removed and or deleted.
XXXX - XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$960.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$960.00} {$960.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Account information disputed by consumer, meets XXXX requirements Customer disputed account - reported by subscriber.
Unpaid balance reported as a loss by credit grantor.
Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$960.00} {$960.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$700.00} {$700.00} -- FST PREMIER XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$540.00} {$0.00} {$540.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$540.00} {$540.00} {$540.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Bank Bank Credit Cards National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Account information disputed by consumer, meets XXXX requirements Customer disputed account - reported by subscriber.
Unpaid balance reported as a loss by credit grantor.
Consumer disputes this account information Charged off account Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$540.00} {$540.00} {$540.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$300.00} {$300.00} -- XXXX OF MO XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$460.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank All Banks -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
-- -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$300.00} {$300.00} -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$630.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : XXXX XXXX XXXXXXXX XXXX XXXX Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Unpaid balance reported as a loss by credit grantor.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$300.00} {$300.00} -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$1500.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1500.00} {$1500.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank All Banks -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved; reported by XXXX XXXX was in dispute - now resolved - reported by subscriber.
Unpaid balance reported as a loss by the credit grantor.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$1500.00} {$1500.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$1100.00} {$1100.00} -- TX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$22000.00} {$22000.00} {$22000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Closed Paid Open Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Credit Union Credit Unions Credit Unions Account Status : Closed Closed Open Payment Status : Current Late 120 Days Current Creditor Remarks : Closed -- Consumer disputes- reinvestigation in progress Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX Term Length : XXXXMonth ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan -- XXXX XXXX XXXX Monthly ( every month ) -- -- Credit Limit : -- -- -- Two-Year payment history XXXX XXXX Equifax Days Late - XXXX Year History XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX Balance : {$2200.00} {$2200.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1600.00} {$1600.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Home/Office Furnishings Miscellaneous Finance -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$1600.00} {$1600.00} -- Account Type : Secured loan Secured loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX High Balance : {$10000.00} {$10000.00} {$3100.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2400.00} {$2400.00} {$2400.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank All Banks All Banks Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX balance reported as a loss by the XXXX XXXX.
Charged off account Amount in high credit original charge-off amount Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : XXXX ( XXXX ) XXXXMonth ( XXXX ) -- Past Due Amount : {$2400.00} {$2400.00} {$2400.00} Account Type : Auto Loan Auto Loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX -- -- High Balance : {$1400.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$1300.00} -- -- Closed Date : XXXX -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Finance/Personal -- -- Account Status : Closed -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Charged off as bad debt Profit and loss write-off -- -- Payment Amount : {$140.00} -- -- Last Payment : XX/XX/XXXX -- -- Term Length : XXXXMonth ( XXXX ) -- -- Past Due Amount : {$1300.00} -- -- Account Type : Note loan -- -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$2500.00} {$2500.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$2000.00} {$2000.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Credit Union Credit Unions -- Account Status : Closed Closed -- Payment Status : XXXX XXXX XXXX XXXX Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$2000.00} {$2000.00} -- Account Type : Unsecured loan Unsecured loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- Collection Accounts : Accounts seriously past due PORTFOLIO XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX -- High Balance : {$280.00} {$280.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$280.00} {$280.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
-- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX -- -- High Balance : {$420.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$420.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Account information disputed by consumer, meets XXXX requirements -- -- Original Creditor : XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -- -- --
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08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I have disputed these with Equifax credit bureau numerous times as these inquiries AND accounts are all fraudulent. I would like them removed from my Equifax credit report immediately. They are listed below. Open Accounts (4) Revolving (4) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXX XXXX XXXX XXXX and Equifax on any of my consumer report to provide and exchange any information to each other.
Equifax is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - DELETED INDEFINITELY AND IMMEDIATELY.
A year ago I sent Equifax a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
This account is not with XXXX XXXX XXXX XXXX exchanged my personal information WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, XXXX XXXX, Equifax with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, Equifax is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX XXXX XXXXXXXX XXXX or Equifax, the permission. I RESCINED any permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge a year ago Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXX XXXX XXXXXXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. Equifax is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. Equifax IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXX XXXX XXXX XXXX or Equifax to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX XXXX BANK by XXXX is suppose to send me a XXXX so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. Equifax and XXXX XXXX XXXXXXXX XXXX is in violation of my privacy rights Per the Privacy Act of XXXX Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice Equifax and XXXX XXXX XXXXXXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that Equifax and XXXX XXXX XXXX XXXX XXXXs abusing and violating.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
In Mission lanes XXXX XXXX XXXX My application and account is made into a asset back security due to them filing with the sec a asset back securitizer XXXX XXXX XXXX is taking my Principal amount and securities interest is being deposited in to their trust. My application and account was already sold and transferred according to their ABS XXXX REPORT.
Rule XXXX under XXXX XXXX Act ( XXXX XXXX XXXX ) for the reporting period XXXX XXXX checked this box which on the XXXX XXXX XXXX is currently making money off my account transferring the securities form XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX From the secuirties exchange of 1934 SEC. 15G. ( 78o11 ) CREDIT RISK RETENTION. ) the term securitizer means ( A ) an issuer of an asset-backed security ; or ( B ) a person who organizes and initiates an asset- backed securities transaction by selling or transferring as- sets, either directly or indirectly, including through an af- filiate, to the issuer ; and ( XXXX ) the term originator means a person who ( A ) through the extension of credit or otherwise, cre- ates a financial asset that collateralizes an asset-backed security ; and ( B ) sells an asset directly or indirectly to a securitizer. XXXX XXXX is keeping the securities intrest and principal that is suppsose to be deposited into my account. According to the sec of XXXX Not later than 270 days after the date of enactment of this section, the XXXXederal banking agencies and the Commission shall jointly prescribe regulations to require any securitizer to retain an economic interest in a portion of the credit risk for any asset that the securitizer, through the issuance of an asset-backed security, transfers, sells, or con- veys to a third party.
I was never given the opportunity to make residual income off of my securities. Yet XXXX XXXX is saying I owe them and has charged off my account which they have made money off of by selling and transferring my securities. This account MUST be deleted now. Along with the rest of the consumer laws that XXXX XXXX has broken. Which is listed further down in my letter.
The Sarbanes-Oxley Act of XXXX section XXXX XXXX XXXX is saying they are abiding by this rules and practice of this act to. Protect its Every issuer which has a class of securities registered pur- suant to section 12 of this title and every issuer which is required to file reports pursuant to section 15 ( d ) of this title shall ( A ) make and keep books, records, and accounts, which, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the issuer ; ( B ) devise and maintain a system of internal accounting controls sufficient to provide reasonable assurances that ( i ) transactions are executed in accordance with man- agements general or specific authorization ; ( ii ) transactions are recorded as necessary ( I ) to permit preparation of financial statements in conformity with gen- erally accepted accounting principles or any other criteria applicable to such statements, and ( II ) to maintain ac- countability for assets ; ( iii ) access to assets is permitted only in accordance with managements general or specific authorization ; and ( iv ) the recorded accountability for assets is compared with the existing assets at reasonable intervals and appro- priate action is taken with respect to any differences ; and ( C ) notwithstanding any other provision of law, pay the al- locable share of such issuer of a reasonable annual accounting support fee or fees, determined in accordance with section 109 of the Sarbanes-Oxley Act of XXXX.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off and late for false and misleading reporting Respectfully, XXXX XXXX XXXX, XXXX XXXX
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09/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
These inquiries are on my credit report and I did n't authorize. I have disputed with XXXX and equifax more than 3 times.
XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Bus Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Fina Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Financi Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX.
XXXX Inquiry from XXXX XXXX, XXXX + XXXX.
XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Chev Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Bank Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Bank Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Da Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX.
XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX.
XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX.
XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX.
EQUIFAX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXXs XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Financial Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX.
XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX, Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX, Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX.
XXXX - XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX, XXXX
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12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To Whom This May Concern, I am writing this complaint with regard to a host of fraud, identity theft personally experienced by me with all of my XXXX XXXX XXXX Bank Accounts ( Savings/Checking both personal and business ). I have banked with XXXX for over 20 years. My Branch is located at XXXX XXXX XXXX XXXX in XXXX, NY XXXX. This complaint is regarding an outstanding issue remaining with my XXXX XXXX Card Account XXXX as well as with XXXX XXXX and XXXX who have both reported to the credit bureaus my payment delinquencies resulting from this identity theft and fraud on all my XXXX Accounts transpired XX/XX/XXXX Police Report # XXXX XXXX Precinct # XXXX XXXX, NY. My payment delinquencies contain two very important issues, the first is that I had no idea that XXXX had reversed payments made prior to my identity theft on XX/XX/XXXX and secondly, I had been in contact with all my creditors every two weeks to explain my identity theft and inability to pay my debts temporarily since I had no access to any monies. ALL THE TRUTH. This continued until XX/XX/XXXX when I received a lump check from XXXX for all the accounts that had been frauded and stolen without any explanation as to how the sum was calculated.
This complaint is not directed to my branch but rather to XXXX XXXX XXXX response to a horrible situation all having everything to do with the security of XXXX XXXX XXXX as a banking institution. XXXX XXXX XXXX response to this Identity Theft/Fraud was so unsatisfactory and without any consequence while this incident almost ruined my personal credit that is undeserved. XXXX took their time, referred me to their executive team, had me call 127 times without one return call ( see attached for compliant numbers given and telephone numbers called ). As a consumer I was left with no financial resources for almost 4 months. Due to this one incident of identity theft and fraud, I have now suffered a reduction of over 150 points on my credit score and a relentless amount of letters and phone calls to advocate on my behalf, all left without any attention as if I personally am not important enough to matter and a too Bad attitude by all three credit bureaus, XXXX ( for my XXXX XXXX XXXX ) and XXXX XXXX all institutions were given all the facts and I remain punished for a situation that had nothing to do with me. XXXX unsatisfactory security caused this incident not me PERSONALLY.
If it were not for the excellent work and efforts of one of the branch employees, XXXX, I would have not been able to resolve any of this. I remain in adversity over one remaining XXXX Charge Card with XXXX that after one year, the account closed and XXXX returned all my monies I had been paying to avoid additional credit score injury this was finally resolved in XXXX. On XX/XX/XXXX, I received the same XXXX Statement with billed charges all over again that I had been disputing for 11 months AGAIN. These charges I have never seen before- Attached. These charges total {$1300.00} all of which are not mine. This credit card was cut up XX/XX/XXXX when all my other debit cards and XXXX XXXX were closed as a result of Identity Theft and XXXX XX/XX/XXXX. This XXXX account is the only remaining problem. Resolve this incident has taken me almost a full year and I find I am still arguing to dispute with XXXX items that are not mine.
The XXXX Statement attached outlines charges that are at XXXX ( I have never in the history of having this XXXX XXXX ever shopped at XXXX and there has never been a charge from XXXX on this account or any of my XXXX XXXX cards ), all the other charges XXXX and XXXX XXXX are not my charges either. This Credit Card was not ever used by me since before XX/XX/XXXX. For 12 months I have not received a statement with any charges on it, only a balance without ever having success in resolving or knowing what it was I owed on this account. I have called the XXXX Customer Service, Fraud team, Dispute team from XXXX until today over 28 times, never being able to find out what charges I was billed for and never receiving any resolution, but I continued to pay monthly and went to my branch in XX/XX/XXXX for help. XXXX at the branch advocated for me, resolved the account and XXXX refunded me electronically in XX/XX/XXXX over {$690.00} dollars. In XXXX the entire mess started over again and XXXX was told there was nothing she could do. Fortunately XXXX was able to figure out who to escalate this again and here I am again.
Here was the entire scenario of Identity Theft and Fraud I endured as follows : On XX/XX/XXXX sometime early in the morning all XXXX of my bank accounts were hacked from my Bank at XXXX XXXX XXXX. All of my checking and savings including my direct deposited pay check from XX/XX/XXXX were transferred to some account I was never appraised of. From XX/XX/XXXX through the end of XX/XX/XXXX I had no money for gas, food or any of my bills. XXXX opened new accounts with temporary credits in XXXX ( around XX/XX/XXXX ) only to close them without notifying me at all on XX/XX/XXXX with no reason for closing my accounts and again I was not able to pay bills or have any money until I received a check for all my bank accounts on XX/XX/XXXX. The Check was a lump sum with absolutely no detail as to where the amount came from. I was never able to check to see what was stolen from all my accounts was reimbursed to me. The reason I was not able to confirm anything is that I had no online access to any of my accounts. I was also unaware that the payments I made automatically to my creditors from my checking accounts had been reversed.
On the morning of XX/XX/XXXX I went to the branch worked with Assistant Manager XXXX who showed me on the bank screen that my bills had been paid and taken out of my accounts on XX/XX/XXXX before the fraud/identity theft took place on the morning of XX/XX/XXXX. The payment to XXXX XXXX was posted as paid as well as to XXXX ( for my XXXX XXXX XXXX XXXX ). I had returned to the branch on XXXX, XXXX, XXXX and XXXX to make sure again these automatic bills had in fact been paid, I was assured again by XXXX at the branch they were. Months later ( in XX/XX/XXXX when I received my funds from XXXX in a check and I was able to open a new bank account with XXXX XXXX and at that time I was able to finally correct all my credit accounts and bills I had owed to be correct ). As a direct result of this incident my credit score decreased XXXX points and continues to decrease due to this Fraud and Identity Theft incident that was of no fault of my own.
The branch issued several escalations on my behalf, I was told by the branch to escalate this to the XXXX XXXX XXXX Escalation team. The Branch Staff is truly at a loss to assist as they called many many numbers for help and transfer and never are able to get the help they need to. Executive Office of XXXX was recommended by my branch to escalate this for me XXXX XXXX XXXX, Claims was originally called XX/XX/XXXX from the branch XXXX, I set up the claim XX/XX/XXXX was assigned XXXX who never returned my twice sometime three times a day calls to that number and I would get the receptionist XXXX on the phone who was also nice enough to help, but I was never contacted or spoken to at any time from XXXX through XX/XX/XXXX. XXXX had explained from the Executive Office that someone will call me back. After calling into the first week of XX/XX/XXXX I spoke to a XXXX XXXX Fax phone XXXX XXXX who told me to fax in this situation in writing which I did that day Referring to Case XXXX. I followed up at that same number every day through XX/XX/XXXX no return call, no written acknowledgment in the mail and during this entire period of time, no access by phone to discuss my accounts and no online access to anything along with no statements received by me in the mail from XX/XX/XXXX for any of bank accounts or charge cards, only XXXX statements with totals starting in XX/XX/XXXX without an explanation as to what the charges of the total were for and I was no allowed to find out what the total referred to by phone either. I returned to the branch who explained then that I was to reach out to call another number XXXX Option # XXXX to my case manager on the executive team XXXX, I called XX/XX/XXXX at XXXX, XX/XX/XXXX held for 2 hours without anyone getting on the phone and XX/XX/XXXX holding XXXX mins at XXXX when I as finally about to reach a Supervisor XXXX who assured me I would be contacted and my monies resolved and returned to me sometime by the next week. Again disappointed and it never happened.
I am at a loss for how to resolve this, but this is not my charges and it is no right that XXXX XXXX XXXX is getting away with this and continuing to cause so much heartache to me personally and my family.
My branch told me they escalated this and I had received a call about the XXXX rebilled account I wrote out all the details as requested and Faxed it to my representative Wednesday XX/XX/XXXX because I was told I could only fax no mailing and the group that was now handling this can not be emailed.
I am now calling to pay the monthly minimum which I was told last night is now {$90.00}. I paid spoke to XXXX XXXX at XXXX XXXX as no one at the branch or the escalation team were able to tell me how to pay and if I needed to pay so I called was not able to get any information only pay and miss XXXX you are responsible for all these charges I dont know what to tell you but XXXX said XXXX XXXX tomorrow, I did they were not able to speak to me, help in any way and did not have access to this account to dispute or note anything. I called my branch, XXXX, did not have the person, phone number or fax number for the escalation team she was able to reach out for on my behalf prior to XX/XX/XXXX and therefore I am again starting over like it is XX/XX/XXXX AGAIN.
I need to resolve this, I also would like to make the Attorney General Aware that there is no report of any XXXX financial history for me on my Equifax, XXXX or XXXX Account when I had these accounts for 20 years no it is all erased, why is that allowed? I had a XXXX XXXX Card I paid for years never late as well as this XXXX XXXX XXXX XXXX and all of their history and the accounts themselves completely removed from all my credit reports this month.
XXXX XXXX Account XXXX reports that my payment was late, I wrote all of this to XXXX XXXX without any result other than they have to report delinquencies. It was not delinquent, it was paid then rescinded by XXXX and I had no idea. XXXX never notified me, on the phone they were not able to discuss my account and XXXX XXXX did not notify me either so I had no idea this even happened and XXXX XXXX is relentless explaining they do not care. Also should be illegal to do that without considering the fraud and identity left and the reversal I was n ever notified by my bank even happened.
Same situation with XXXX for my XXXX XXXX card, I called them every two weeks to update and was soon as I had funds finally returned in XXXX from XXXX I paid them in full, they were written to all outlined and they did not care either.
Seems highly unfair and unjust to have a consumer who was criminally taken advantage of be punished for a situation that was not in that individuals control and further disgusting that the credit bureaus work this way as well as XXXX XXXX, XXXX XXXX and XXXX. Once I am finished with XXXX XXXX I will never use them again for any reason and same with XXXX.
Kindly provide any assistance possible. I have truly had it with this and it is so unfair I remain in this tenuous position because these banking institutions could care less. I might add this all happened during a pandemic when it is the time to help consumers not beat them up. It is just gross. I want this XXXX Account expunged finally and never want to see it again, I would like XXXX XXXX to correct their comments that are based on Fraud and Identity theft as well as XXXX I would like them to do the same thing so that my credit is restored. Crime is not something I should be punished for or have to fight for a year like this with all these awful institutions that dont care about their consumes.
Warmest Regards, Consumer XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX account under XXXX for XXXX XXXX Account ( Have had account 26 years never late ) Acount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
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08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CERTIFIED MAIL RETURN RECEIPT REQUESTED [ Tracking No. ] Equifax Information Services, XXXX XXXX XXXX XXXX XXXX Credit Report Disputes XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ..promptly DELETE all information which can not be verified. '' | request that you do this immediately.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Name of Account : Account Number : Provide Physical Proof of Verification Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're currently using 163 % of your account 's limit.
Balance {$860.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Youve made 70 % of payments for this account on time.
Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$610.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Consumer disputes after resolution Charged off account Times XX/XX/XXXX days late XXXX Closed No Info You could dispute an error with Equifax SEE AN ERROR?
We've sent your dispute request to XXXX, and we'll let you know when it's complete.
GO TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX You're currently using 105 % of your account 's limit.
Balance {$780.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs ) Payment History Youve made 83 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$780.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Consumer disputes this account information Charged off account Account closed by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed No Info You could dispute an error with Equifax SEE AN ERROR?
We've sent your dispute request to XXXX, and we'll let you know when it's complete.
GO TO EQUIFAX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're currently using 106 % of your account 's limit.
Balance {$4700.00} Credit limit $ XXXX Monthly payment {$140.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Youve made 100 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Amount past due {$190.00} Worst Payment Status 30-59 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Account closed by credit grantor Account previously in dispute - Now resolved by data furnisher XXXX XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX You could dispute an error with Equifax SEE AN ERROR?
If there's an error on your report, you can submit a dispute.
GO TO EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're currently using 107 % of your account 's limit.
Balance {$4200.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Youve made 70 % of payments for this account on time.
Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$4200.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Consumer disputes after resolution Charged off account Account closed by credit grantor Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX You could dispute an error with Equifax SEE AN ERROR?
We've sent your dispute request to XXXX, and we'll let you know when it's complete.
GO TO EQUIFAX Creditor Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're currently using 144 % of your account 's limit.
Balance {$860.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 86 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$860.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Consumer disputes this account information Charged off account Account closed by credit grantor Times XX/XX/XXXX days late XXXX Closed No Info You could dispute an error with Equifax SEE AN ERROR?
We've sent your dispute request to XXXX, and we'll let you know when it's complete.
GO TO EQUIFAX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You're currently using 133 % of your account 's limit.
Balance {$2800.00} Credit limit XXXX XXXX Monthly payment No Info Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 78 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$1000.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Consumer disputes after resolution Charged off account Times XX/XX/XXXX days late XXXX Closed No Info You could dispute an error with Equifax SEE AN ERROR?
We've sent your dispute request to XXXX, and we'll let you know when it's complete.
GO TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX You're currently using 92 % of your account 's limit.
Balance {$910.00} Credit limit XXXX XXXX Monthly payment {$45.00} XXXX XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 77 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status 120+ Days Late Amount past due {$910.00} Worst Payment Status 120+ Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks 120 Days past due Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX You could dispute an error with Equifax SEE AN ERROR?
If there's an error on your report, you can submit a dispute.
GO TO EQUIFAX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX You're currently using 149 % of your account 's limit.
Balance {$590.00} Credit limit $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 80 % of payments for this account on time.
Payment history table, broken down by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$590.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Charged off account Times XX/XX/XXXX days late XXXX Closed No Info You could dispute an error with Equifax SEE AN ERROR?
If there's an error on your report, you can submit a dispute.
GO TO EQUIFAX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou 're currently using 44 % of your account 's limit.
XXXX {$350.00} Credit limit XXXX XXXX Monthly payment {$6.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 97 % of payments for this account on time.
Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Closed Type Secured Credit Card Responsibility Individual Account.
Remarks Variable/adjustable Rate Times 30/60/90 days late XXXX XXXX XXXX. XXXX, XXXX You could dispute an error with Equifax SEE AN ERROR?
If there's an error on your report, you can submit a dispute.
GO TO EQUIFAX Creditor Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX ) XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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05/06/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To the Bureau : The need for reporting this to you as a consumer to the consumer financial protection Bureau is You maintain and regulate records of event that is affecting consumer like me that somehow we need to address this for in order to irregular deceiving practice are capture. So my purpose is to let you know about any unacceptable and unequal and illegalities this company in getting away in regards to my right. I seek of you for guide and assistance I trust you will help me to correct what I am about to share with you. I will do all my best to be as clear of this has taken in place for you to have an understanding the implication and the series of violation I have discover on reviews this car loan. During my discovery I have said to myself how can this all be done and how they can get away. At one point I say maybe is it me that I am not understanding of how things works, and to better understand this. I have educate myself as much as I could in order to put in writing whether the finding are not on what I am supporting can only be discover if this get to be investigate, and this is way I am reporting this I have put of hours loss of sleep as I was mistreat disrespected, victimized during this complain Not doing anything about it was not an answer If I did not do anything about it would have been was irresponsible of me. Hope that this will help many other as I am convince that this is not the only case but less assume it is for our sake. I wish it was, but I doubt is not. It will be up to your organization to seek this further. I also like to share with you that I was one that did not review my credit profile often I as should, and now that I am have had several problems with other account each of them very unique issues to address but all come to be the same when in regard to violation of customer right. Also my personal information have been stolen 3 times in the last 15 years which is making even further to clean discrepancies is an easier way, but is has not. I am so glad that we have in place an organization like this. I so thank you very much for the time and effort that you will put on this, thank you can never be enough but is a start! XXXX XXXX On or around XX/XX/XXXX I was in the process of reviewing my credit report profile. I discover that XXXX my car loans that was open with XXXX XXXX and it was closed in XX/XX/XXXX . There was a negative remark reported on that account, because of been age 4 more plus years. I did not impacted my credit badly is is normally at first when having reported in credit file XXXX 30 days late. I then research my records as I suspected I was not late in any of the payments on this loan. So they reported that on XX/XX/XXXX I was 30 days late. I like to say prior this car loan I have had XXXX more loan with XXXX XXXX and my current loan is with XXXX I have never been late in any of this loans putting it all together I have been a loyal costumer, but this time something was not right so I initiated a dispute with Equifax about the one time 30 late. Note : that the account has been closed since XX/XX/XXXX . And to some degree if was still have adown effect on my score. So having an error on their part it would have been not a problem to get it remove, but it has not been the case. They responded to credit reporting borrow as verified. Here were problem got complicate, so call then directly and ask that I would like to dispute this 30days late report so they over the phone yes that was the case, I told them and ask if they any document to support that? I was told dont have to show me anything because the account has been closed and it did not matter. I say that there must be an error, they responded is impossible they say the error was not mine because I did not paid in time. Well things were getting ugly hangin up the phone talking in a abusive manner. I could believe or not get the person understand that if they dont have any record of it how was it reported back on XX/XX/XXXX or XX/XX/XXXX Note : I am not sure when it was reported but base on credit file account was last update when it closed which make cense. What was more disturbing is that they new I think that I was a long time costumer that never had any problem you think that may have help not at all. I would hate to think if you just new costumer what will be like. Net thing I did I call again and ask for all the records for the account I was specific what I needed they responded not be able to receive any of documents because simple they dont have it. They next thing I did was putting my request on writing with need a respond back from them. On the letter send to them I was very specific what I was disputing, why should be delete So the question was : Was there a late 30 day pass due payment received by you from me? yes or no if no to please delete the record, if it was indeed late to prove it to me as I told then that my bank statement prove otherwise they say they could not use my record I was not longer able to make any demands Wow! I also have say that any other issues arise from this dispute was not what I was disputing they only thing was this negative information Note : the account was closed and paid so that say practically there should not be any update on the account unless like in this case I discover a negative item that I was not aware place on credit file. I am going to summarized what took place the following day of me sending document. I got an alert from muy credit file saying that something change on my credit file. So what came in mind was oh good that must be the file that I have requested to be delete. To my surprise that was not the case, so what happen and what they did was far much worse before disputi ng by two factor one the y delete and then use XX/XX/XXXX as the new date or corrected they should have input then, but here is the deal I was not ever late on any month period have proof that they dont want to see or deal with XXXX and they would not give me any proof neither. So here is where it stand they would remove anything on the account that what they are reporting is accurate. I give up! Now as you have read this complain they are in violation in several aspect as I have received few documents from then that shown nothing more than a bunch of numbers on an exel file with not any document to back it up. So on reviewing that discover many more issues. Here few when requested for payoff amount what was ask what I send there was a big descripancy they should have return about {$990.00} dollars back to me. When I ask what is going on they have an answer for whatever it was so for them to say that there is not error. I will please beg for you advice and to the assistance to who can help to resolve thi sand to properly have an investigation on them, but must importantly they need to be told that infact they have to be delete that wrong reporting now they also damage my credit score by almost XXXX points because they have reaging the account delete all the payment history as not reported is as bad as saying they receive any payment. I have not included record with this report but I like to confirm that I have all the records to support why should not have been place plus there is an amount of money that I demand to give it back to me as they should have! Please help in needed. Thank you! XXXX XXXX department staff did not following protocol as a result they have violated my Rights Under the Fair Credit Reporting act for the following Please note : In the way I am writing this complain is : by explaining my side of the story with fact center with my case, and by inserting what the law mandate and is required from the creditor and lending companies need to abide. They are in violation by not requesting for permission when conducting an independent internal review if account that was not part of a request of a dispute. I this case I was very specific when making the dispute what I need it for them to clarified. Communication was also done in writing which I have proof to support this that a review of account was conducted under different criteria, they could have done what it call soft inquiry without having to have any effect on my credit profile which I know in this case they dont have to ask for permitting to only perform account reviews without changing any information, on this instant was irrelevant. Before You Get a Consumer Report the law says : You must : If credit report is required to follow up when customer request and investigation you are get written permission from the customer This can be part of the document you use to notify the person that you will get a consumer report. If you want the authorization to allow you to get consumer reports, make sure you say so clearly and conspicuously. I have writing in a letter send to them and give then authorization to review the account to the specific item in dispute and nothing else, in the event they find that item in dispute is valid to delete if other finding to please notified me of such with documents to support their finding Note the authorities or agencies reviewing what I am disclosing I have proof documents to support this statement Certify compliance to the company from which you are getting the applicant or employee 's information. You must certify that you : o notified the applicant or employee and got their permission to get a consumer report ; o complied with all of the FCRA requirements ; and o will not discriminate against the applicant or employee or otherwise misuse the information, as provided by any applicable federal or state equal opportunity laws or regulations. XXXX XXXX Department is in violation by not informing me or I have been informed instead they have respond with confusing letters by misleading information to customer which is like not informing correctly is like not reporting at all. They are violation by not communicating to me before any action taken, they have after placing adverse action on my account without any documented records to show the validity to support the action taken. I have giving them plenty of opportunity to do so. I was not succefull in obtaining such records There forth they are violation Before You Take an Adverse Action Before you reject a job application, reassign or terminate an employee, deny a promotion, or take any other adverse employment action based on information in a consumer report, you must give the applicant or employee : Giving the person the notice in advance gives the person the opportunity to review the report and tell you if it is correct. They are violation by sending and communicating misleading information that is not or was not in relation to alleged dispute that was requested. I have documents proof to support my affirmative facts of event that have taken place from the beginning of initial dispute request After Take an Adverse Action If you take an adverse action based on information in a consumer report, you must give the applicant or employee a notice of that fact orally, in writing, or electronically. An adverse action notice tells people about their rights to see information being reported about them and to correct inaccurate information. The notice must include : the name, address, and phone number of the consumer reporting company that supplied the report ; a statement that the company that supplied the report did not make the decision to take the unfavorable action and ca n't give specific reasons for it ; and a notice of the person 's right to dispute the accuracy or completeness of any information the consumer reporting company furnished, and to get an additional free report from the company if the person asks for it within 60 days. Please Note : In addition the the Credit reporting bureau is in violation for not reporting to me the adverse action that took place on my account XXXX XXXX violate my rights under The Fair Credit Billing Act Charter Billing and Credit In Violation under Secti on 161 Corr ection of billing errors By not clarifying dispute in relation to account when request for documentation when costumer asking on alleged account in dispute. In violation under Secti on 162 Regulation of credit reports In violation under Section 164 In violation under Section 166
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07/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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ALL FTC VIOLATIONS XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX NOT MY ADDRESSES Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 38 Months Monthly Payment -- Responsibility Individual Account.
Balance {$3400.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3400.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 48 Months Monthly Payment -- Responsibility Individual Account.
Balance {$4600.00} Highest Balance XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1900.00} Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$1600.00} Highest Balance XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed DateXX/XX/2020 Limit -- Term 24 Months Monthly Payment -- Responsibility Joint Account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Open Opened DateXX/XX/2019Closed Date -- Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account.
Balance {$2500.00} Highest Balance {$2400.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Fixed rate Payment History Latest Status : Current XXXX OK OK OK OK XXXX OK OK OK OK OK OK OK OK U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U Unknown Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$2300.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account.
Balance {$2300.00} Highest Balance {$2300.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Fixed rate Payment History Latest Status : Current XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U Unknown Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$18000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 300 Months Monthly Payment -- Responsibility Individual Account.
Balance {$18000.00} Highest Balance {$15000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX 90 120 OK OK XXXX OK OK U U U OK OK OK OK OK OK OK XXXX OK OK U OK U OK OK U U OK OK OK XXXX U OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late 120 120-149 Days Late U Unknown Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$33000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 77 Months Monthly Payment {$880.00} Responsibility Joint Account Balance {$33000.00} Highest Balance {$34000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times 30/60/90 Days Late 5/6/0 Remarks Affected by natural disaster Payment History Latest Status : Current XXXX OK OK 30 30 XXXX OK OK OK 30 60 30 60 60 30 60 60 60 XXXX OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late 60 60-89 Days Late Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX {$35000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment {$690.00} Responsibility Individual Account.
Balance {$35000.00} Highest Balance {$46000.00} Payment Status 30-59 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$690.00} Times 30/60/90 Days Late 3/4/0 Remarks Affected by natural disaster Fixed rate Payment History Latest Status : 30-59 Days Late XXXX OK OK OK OK XXXX OK OK OK OK OK 30 60 30 60 30 60 60 XXXX OK OK OK OK OK J F M A M J J A S O N D 30 30-59 Days Late 60 60-89 Days Late Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, IN {$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX, XXXX Account Type Note Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 15 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$1400.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/1/2 Remarks -- Payment History Latest Status : Current XXXX 90 120 OK OK OK XXXX U OK OK OK OK OK OK OK OK OK 30 60 XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late 120 120-149 Days Late U Unknown 30 30-59 Days Late 60 60-89 Days Late Creditor Contact Details XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX XXXX XXXX {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 26 Months Monthly Payment -- Responsibility Individual Account.
Balance {$1700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1700.00} Times 30/60/90 Days Late 3/1/2 Remarks Charged off account Payment History Latest Status : Collection/Charge-Off XXXX 120 XXXX OK OK 30 30 OK OK OK OK OK 30 60 90 2018 OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 120-149 Days Late 30 30-59 Days Late 60 60-89 Days Late 90 90-119 Days Late Creditor Contact Details XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$0.00} Highest Balance {$1000.00} Payment Status 30-59 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks Variable/adjustable Last Reported XX/XX/XXXX Creditor Name US DEPT. OF EDUCATIO Account Type Education Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$14000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/8 Remarks -- XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XXXX XXXX Inquiry Type : Credit Unions XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Automobile Dealers, XXXX XXXX XXXX, XXXX Creditor Contact Details XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX XXXX Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Automobile Dealers, XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX - XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : All Banks XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX No contact information has been reported by this creditor.
Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX No contact information has been reported by this creditor.
Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX ALL THE INQUIRY COLLECTION : FTC XXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : 11 XXXX XXXX XXXX XXXX
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11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles.
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.
2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.
4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights.
6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights.
Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.
I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately!
THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
Might it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.
ii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.
iv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
viii ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable alle-gation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLI-ANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal infor-mation. 1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate. 3. Note the in-formation as disputed BY the CONSUMER on my credit report.
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02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX To XXXX best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX CARD Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to XXXXXXXXr or any means of automated verification.
Failure to respond satisfactorily within XXXX days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to dispute the information reported by XXXX XXXX XXXX on my credit report. Specifically, the information reported by this creditor regarding my account number XXXX is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ).
According to XXXX, my payment status is 60 days late, while XXXX shows no late payments. Additionally, XXXX reports a monthly payment balance of {$180.00}, whereas XXXX shows it was {$240.00}. There is also a discrepancy in the reported account balance, with XXXX reporting a balance of {$5500.00} and XXXX reporting {$5500.00}. Furthermore, XXXX reported a last reported date of XX/XX/XXXX, while XXXX reported XX/XX/XXXX.
XXXX XXXX XXXX XXXX reporting of inaccurate and inconsistent information violates several provisions of the FCRA. Section 607 ( b ) requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of consumer credit reports, while Section 607 ( c ) requires that credit reporting agencies include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness. Section 611 ( a ) requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months, upon request, and Section 623 ( a ) ( 2 ) requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers.
XXXX XXXX XXXX XXXX XXXX on my credit report. According to XXXX, the monthly payment balance for my account is {$0.00}, but XXXX and Equifax did not report the same information. Additionally, XXXX reported a charge off status for my account, which I never received any notification about, and the other two bureaus did not report any negative information on my account.
These discrepancies have had a significant impact on my life. As a result of the inaccurate reporting, I have been denied credit and loans that I desperately needed. I have also been forced to pay higher interest rates and fees on the credit and loans that I have been able to obtain.
It is my understanding that XXXX XXXX XXXX XXXX may have violated several provisions of the FCRA, including Section 607 ( b ), Section 607 ( c ), and Section 623 ( a ) ( 2 ), by reporting inaccurate and incomplete information to the credit reporting agencies and failing to investigate and correct inaccuracies brought to their attention by consumers.
XXXX XXXX for inaccurate reporting on my credit report. According to XXXX and Equifax, I was 120 days late on my account XXXX on XX/XX/XXXX, but I did not miss any payments on this account. Additionally, XXXX and Equifax are reporting a charge off status, but I never received any notification or paperwork regarding this status.
Furthermore, the reported Date Last Active date on XXXX is XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX. This discrepancy raises questions about the accuracy of XXXX XXXX 's reporting.
I believe XXXX XXXX may have violated Section 607 ( b ) and 607 ( c ) of the FCRA by reporting inaccurate information to XXXX and Equifax, which could negatively impact my creditworthiness. I also believe they may have violated Section 623 ( a ) ( 2 ) of the FCRA by not providing any notification or paperwork regarding the reported charge off status.
XXXX XXXX XXXX XXXX provided to XXXX and XXXX credit reporting agencies. According to the report, I was 30 days late on my account with account number XXXX on XX/XX/XXXX. However, I did not miss any payment on this account. The Last Reported date is also different on the reports from XXXX and XXXX compared to Equifax.
I believe that XXXX XXXX XXXX may have violated Section 607 ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit reports. By reporting inaccurate information to XXXX and XXXX, XXXX XXXX XXXX may have negatively impacted my creditworthiness.
Furthermore, XXXX XXXX XXXX may have also violated Section 623 ( a ) ( 2 ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers. XXXX XXXX XXXX did not provide any notification or paperwork to me regarding the reported 30 days late payment status, which could result in me being unaware of the negative impact on my credit report.
XXXX XXXX XXXX The account number associated with the errors is XXXX. According to XXXX and Equifax, the balance on the account is {$0.00}, but XXXX has not reported the same. Additionally, XXXX and Equifax have reported a high credit balance of {$1200.00}, but XXXX has not. All three credit bureaus have reported the payment status as a charge off, but I have never received any notification or paperwork regarding this charge off account.
I believe that XXXX XXXX XXXX may have violated several sections of the FCRA, including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit reports. In this case, XXXX XXXXXXXX XXXX may have reported inaccurate information to XXXX, failing to report a balance of {$0.00}, and reporting a high credit balance of {$1200.00} to XXXX and Equifax, which could negatively impact my creditworthiness.
Furthermore, Section 607 ( c ) of the FCRA requires credit reporting agencies to include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness. XXXX XXXX XXXX may have violated this section by not reporting accurate information to XXXX and reporting a high credit balance of {$1200.00} to XXXX and Equifax.
Finally, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers. XXXX XXXX XXXX may have violated this section by reporting inaccurate information to all three credit bureaus and not providing me with any notification or paperwork regarding the reported charge off status, which has negatively impacted my credit report and my ability to access credit.
XXXX XXXX XXXX XXXX Specifically, I am concerned about the reporting of a due status of 150 days to XXXX without any notification or paperwork provided to me.
As a result of this inaccurate reporting, my credit score has been negatively impacted, making it difficult for me to obtain credit and loans at reasonable rates. This has been particularly devastating for me as I have been trying to secure a loan to pay for my child 's college tuition.
I believe XXXX XXXX may have violated Section 623 ( a ) ( 2 ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers. Additionally, there may be a potential violation of Section 607 ( c ) of the FCRA, which requires credit reporting agencies to include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness.
dispute the presence of US Dist Ct XXXX on my credit report. To the best of my knowledge, this account does not belong to me and I am requesting that it be immediately removed from my credit file.
This error has had a significant impact on my life. I have been trying to obtain a loan for a home for the past several months, but my applications have been denied due to the presence of this account on my credit report. I have also been turned down for credit cards and other types of financing, which has made it difficult for me to manage my finances and meet my daily expenses.
I believe that there may be a potential violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, as US Dist Ct XXXX may have been reported inaccurately to the credit bureaus without any reasonable investigation being conducted. This has resulted in the inclusion of erroneous information on my credit report, which has had a negative impact on my creditworthiness.
Additionally, there may be a potential violation of Section 607 ( c ) of the FCRA if US Dist Ct XXXX did not accurately report information to all three credit bureaus. This section requires credit reporting agencies to include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness.
The account in question is with US Dist Ct XXXX, and I am dumbfounded by how it was verified by your agency when the other bureaus could not. I am requesting that you remove this inaccurate information immediately from my credit report.
I believe that there may be a potential violation of Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation of any dispute of the completeness or accuracy of any information contained in a consumer 's credit report. If the credit reporting agency determines that the disputed information is inaccurate or incomplete, it must promptly correct or delete the information.
It is possible that your agency verified the account with US Dist Ct XXXX without conducting a reasonable investigation, which could be a violation of this section of the FCRA.
U.S. Bankruptcy Court XXXX account that is listed as belonging to me. To the best of my knowledge, this account does not belong to me, and I request that it be removed from my credit file immediately.
I believe that this information may have been reported to the credit bureaus without proper verification, which may be a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA. As a result of this inaccurate information, my credit score has been negatively impacted, which has made it difficult for me to obtain credit and has caused significant stress and financial hardship in my life.
I am a single mother who has worked hard to maintain a good credit score, and this error has had a significant impact on my ability to provide for my family. I have been denied credit, including a loan to purchase a car that I desperately need to commute to work and take my children to school and appointments.
U.S. Bankruptcy Court XXXX. The reporting of this account is inaccurate, and it needs to be removed immediately from my credit report. I have already contacted other credit bureaus, and they have removed it. However, U.S. Bankruptcy Court XXXX continues to report this information on my credit report.
The inaccuracies on my credit report have had a significant impact on my life. I have been denied credit, insurance, and even employment opportunities because of these inaccurate reports. It has caused me emotional distress and anxiety, and I have suffered financial losses as a result.
I believe that U.S. Bankruptcy Court XXXX has violated the Fair Credit Reporting Act ( FCRA ). According to Section 607 ( b ) of the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report. If the reported information is inaccurate, incomplete, or not verifiable, it may be a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to conduct a reasonable investigation of any dispute of the completeness or accuracy of any information contained in a consumer 's credit report. If the credit reporting agency determines that the disputed information is inaccurate or incomplete, it must promptly correct or delete the information.
It is possible that U.S. Bankruptcy Court XXXX failed to verify the accuracy and completeness of the information they reported on my credit report, which could be a violation of the FCRA. I request that you investigate this matter thoroughly and enforce the legal regulations that U.S. Bankruptcy Court XXXX is required to comply with.
Therefore, I request that U.S. Bankruptcy Court XXXX remove this unverified account from my credit report as soon as possible.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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03/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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|
Web |
Older American, Servicemember |
I am filing a three Credit Reporting Agency complaint the big-3. The subject is the same for each bankruptcy reported on my credit reports. I believe they have not followed the law on reporting, and request the information be deleted. My original disputes with each of them was submitted in writing by certified US Mail, asking only what the FCRA provides consumers can reasonably ask ; ( 1 ) authentication and ( 2 ) verification.
To their credit, they all three responded within the allowed 30-day time frame. However, note the extent and effort put forth in their responses : *************************************************************************************************** XXXX : ( 1 ) Response was ; the company that reported the information has certified to XXXX that the information is accurate. Additional comment, no change.
( 2 ) Thats what I requested in writing, and expected in response ; certification, documentation, and proof to have the information verified directly to me, the consumer. This did not happen.
( 3 ) The FCRA, our nations credit reporting law, established back in XXXX states [ FCRA ] consumers have the right to obtain this information ( 4 ) I was told the company that got the information certified it to XXXX.
( 5 ) I made a lawful demand for certification. The consumer ( myself and any others making the same request ) do not care that an unnamed company says to them, its certified. Were trusting all the CRAs to [ FCRA ] assume a vital role in assembling and evaluating consumer credit and other information on consumers. ss602. ( a ) ( 3 ) a. Their response totally misses the point of the FCRA, ss602. ( a ) ( 2 ) & ( 4 ). As far as Im concerned, XXXX is reporting very negative information on my credit report that they had no part in collecting directly from a source. This in and of itself falls short of the intents of Section 602, Findings and Purpose. All CRAs must work within FCRAs guidelines of [ FCRA ] assure accuracy, preserve the general reputation of consumers, and demonstrate the respect for consumers right to privacy.
( 6 ) Who got the information? What company? Is there proof that anybody verified this negative information BEFORE it was used? Perhaps the answer is, it has never been validated.
( 7 ) Then, no change, meaning, theyve made no changes in the stated information. Hopefully when a responsible consumer writes one of the big-3 with such concerns, they realize theres a real-live family going on at the other end of the letter. Shouldnt XXXX have a better response than the company that reported it says.? To me its the same as if I never submitted a dispute.
( 8 ) Clearly, the CRA failed to obtain documentation to meet the requirements and requests of the consumer. Unacceptable. They deal with this kind of situation all the time.
( 9 ) XXXX has shown its position which equate to several examples of non-compliance of the FCRA. A consequence should be awarded the consumer in this case deletion.
( 10 ) Referring directly to the Fair Credit Reporting Act, ss611. ( a ) : a. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
b. Emphasis added : any item, inaccurate, delete such information.
************************************************************************************* XXXX : ( 1 ) Response was ; Information Updated, then they printed the information which looks exactly like the first version of the disputed information saying this is what it looks like now. This is not in keeping with the Title VI, SS602, Findings and Purpose.
a. [ FCRA ] There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.
i. XXXX response of information updated is unclear. I had to read the information several times before I saw one item different the name of the alleged court. They changed from the first version to a new version. No mention of verification, no explanation of any investigation, no follow-up, and no supporting documentation as requested.
ii. The information remains unverified, and as such is incorrect.
1. This information is a violation of SS611 ( a ) : ( a ) If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
( b ) Emphasis added : inaccurate, delete such information.
( 2 ) Procedure in case of disputed accuracy a. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status. Ss611. ( a ) i. XXXX was obligated to conduct a thorough, validating re-investigation. Obligated to prove what theyd written in my credit report. Why? Because the consumer followed the law challenging the information, challenging its validity, depending on them to do their jobs and meet certain mandates.
ii. This amounts to nothing more than XXXX following their normal standard operating procedures following the laws of the FCRA, its their business.
iii. They did not do this. They simply replied a change was made.
iv. Obviously, a change was made, a name. However, XXXX failed in a major way by short-shirting its responsibilities and not living up to the expectations of the federal law.
v. A remedy should favor support by the CFPB of deletion.
1. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Fair Credit Reporting Act, ss611. ( a ) ************************************************************************************* EQUIFAX : ( 1 ) Response was ; This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX, This bankruptcy is currently reporting as discharged. If you have additional questions about this item please contact ( the court ), a. IF Equifax has public record items obtained from court as claimed, upon receipt of my dispute and requests in writing, they were obligated to comply and provide these records.
b. Equifax failed to satisfy the request of validation of the information ; ss609. ( a ) ( 1 ) ( 2 ) : i. [ FCRP ] Disclosures to Consumers Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer the nature and substance of all information in its files on the consumer at the time of the request and the sources of the information.
( 2 ) [ FCRA ] : An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. [ ss602. ( a ) ( 2 ) ] a. If Equifax ( and possibly XXXX and XXXX ) relies on a third-party vendor ; a. How does the information get to the consumer when the CRA does not verify?
b. How can even a third-party-vendor be allowed to go around the FCRA and not verify with accountability to the consumer?
c. Am I supposed to be satisfied with the possibility a disgruntled employee could mix up paperwork, documents, forget some detail, mishandle something that could be vital in my information?
d. IF information isnt actually obtained by Equifax or other CRAs, whose held accountable when called to task by ss602. ( a ) ( 1 ) ( 2 ) ( 3 ) & ( 4 )?
( 3 ) The idea that Equifax does Americas credit rating by accepting unverified documentation and having no intent to produce such evidence to consumers when requested is unhealthy business ethics which brings harm to all CRAs. At the same time, they bring non-positive feelings to public confidence against those charged with managing our credit scores, credit standings, credit capacities, character and general consumer reputations. This is exactly what Congress meant in ss602. ( Findings and Purpose ) when it said [ FCRA ] there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. [ ss602. ( a ) ( 4 ) ] a. I feel Equifax certainly has failed to live up to those standards in my dispute of the information.
b. A remedy should favor support by the CFPB of deletion.
************************************************************************************* THE COURT : Equifax suggested I seek additional information from the court.
Anticipating such a response, I contacted the United States Bankruptcy Court, District of New Hampshire, Clerk of the Court XXXX XXXX XXXX.
XXXX XXXX letter is attached to this file, however here is her basic response : The Clerks Office does not supply information to credit reporting agencies.
From this information one would ask how does the CRAs get the alleged information?
They dont get it directly from the court as Equifax claimed.
o Not keeping with SS602. ( b ) Someone else is saying they obtained the information from a court.
o Not keeping with SS602. ( b ) Sometimes were not told who that someone else is Experian.
o Not keeping with SS602. ( b ) Then when they claim theyve obtained information from another source, is that meeting the standards of the Fair Credit Reporting Act?
o Not keeping with SS602. ( b ) ************************************************************************************* XXXX : ( 1 ) My wife and I have been notified in 6 or 7 credit breaches since XX/XX/2015.
a. Documentation submitted.
( 2 ) To mention the better known of these ; Equifax, XXXX, XXXX, XXXX, and others. Weve also been the victims of at least one Credit Card Fraud just a month ago ( XXXX XXXX ). Were ever watchful of additional activities on our credit reports fearing identity theft from that recent fraud event.
( 3 ) Subsequently, Ive placed a Security Alert on all three major CRAs.
a. Ive also placed a Freeze and Opted-Out on XXXX information suppression program. Copies of confirmations are attached.
b. I feel especially vulnerable knowing the big-3 rely on 3rd Party vendors and fail to provide validations of highly important and sensitive information before putting it on a public record.
AS A CONSUMER and after really reading the Fair Credit Reporting Act, the following opening remarks, I believe, set the tone of the laws intent : The ( United States ) Congress makes the following findings : the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. [ ss602 ] I ask your support in recognizing when the big guys dont follow the law consumers lose.
When consumers lose the economy loses.
When the economy loses the country struggles.
That struggle, includes continued successes of big business the circle completes.
Based on in-actions, non-compliance, and a lack of respect for consumers right to privacy, supporting delete the information is the right remedy in this case.
XXXX XXXX, NH
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01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. XXXX XXXX Bankruptcy XXXX XXXX : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
2. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
37. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX, NM XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Thomas Ward Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm Cravath , Swaine & Moore LLP CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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08/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX This letter is a formal complaint that you are reporting inaccurate credit information on my report. By reporting this information, you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.
CREDITORS AND ACCOUNTS TO BE REMOVED : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 3. The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 4. The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 9. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 10. The following personal information is incorrect Employers : XXXX XXXX 11. XXXX XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
12. XXXX XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
13. XXXX/XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
14. XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
15. XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
16. DEPT OF EDUCATION/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
17. DEPT OF EDUCATION/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
18. DEPT OF EDUCATION/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
19. DEPT OF EDUCATION/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
20. DEPT OF EDUCATION/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
21. XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
22. XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
23. XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
24. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
25. XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
26. XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
27. XXXX XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
28. XXXX XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
29. XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS XXXX XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
Please remove this account from my credit report immediately. It has caused quite bit of damage and forward me an updated credit report after you have completed your Investigation and corrections.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX
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12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Statement of claim - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I ( we ) have made every attempt to settle these matters and now are filing claims in federal state court ( s ).
1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of XXXX XXXX of XXXX XXXX, State of CALIFORNIA.
Defendant ( s ), XXXX XXXX Bank Servicer, alleged to acquire certain assets from XXXX XXXX Bank XXXX and XXXX XXXX, XXXX XXXX XXXX alleged to have acquired servicing rights from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX alleged originator of Refinanced loan attempt, also the Nominee and beneficiary, XXXX XXXX XXXX XXXX and or XXXX XXXX, the alleged Trustee, XXXX XXXX XXXX XXXX XXXX also known as the alleged Trustee on behalf of XXXX Bank unknown in relationship as to Trustee, 2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka the Republic of California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the XXXX of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX alleged to service mortgage loan as well alleged to acquire loan from XXXX mortgage, and certain assets from XXXX XXXX Bank, XXXX XXXX XXXX XXXX or hidden under XXXX XXXX XXXX, XXXX XXXX XXXX as the Trustee, XXXX XXXX XXXX also Trustee, on the behalf of XXXX Bank unknown, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX the alleged Investor Nominee and Beneficiary of the alleged mortgage loan. All banks and employees alleged to be conducting banking and real-estate business within the state of California county of XXXX XXXX, publishing deeds recordings and notary documents unverified.
Defendant used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words " your, '' " loan, '' mortgage, '' or " account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property.
lf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number.
This is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, ..
Definition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1. ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up.
In short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ), unbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in XXXX. ( Note : In the bankruptcy of XXXX the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract.
Consequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed.
Of note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of XXXX and the Natural Law ( derived from XXXX Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since XXXX, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound XXXX, but this is how the financial and legal system was set up following the XXXX bankruptcy of the U.S., along with the amended extensions of national emergency of XXXX and XXXX. When you go to court, you go to a legislative-statutory court in essence, a XXXX court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S.
Real Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 8 ) years and therefore does not possess that of the Real Party ( s ) In Interest property and home.
XXXX XXXX XXXX has and will and has attempted to report this alleged mortgage loan created out of identity theft which is fraud, creating an extension of the identity theft. Therefore nothing presented by XXXX XXXX Bank XXXX XXXX XXXX whom is out of business, or inactive and not reachable, not limited to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, employees such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and all other known and unknown banks involved and their employees. Any attempts of reporting such a debt that must and has by XXXX XXXX records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.
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10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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( DISPUTE CODE - XXXX ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate accounts I have listed. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX violated my rights by reporting fraudulent information across all 3 of my consumer credit bureaus. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX and Equifax consumer credit bureaus. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Accounts # XXXX, # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX and XXXX consumer credit bureaus. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my Equifax consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Accounts # XXXX, # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX and XXXX consumer credit bureaus. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX violated my rights by reporting fraudulent information across my Equifax consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am putting in this second complaint because my first complaint was completely erased and customer service informed me that when you add companies sometimes it glitches and does that. All the companies I've mentioned in my report i wish to add.
I have learned that there are strict regulations to protect Consumers such as myself and our personal information, and that every company dealing with a Consumer has agreed that they would follow these regulations. In a gross violation of Numerous of my rights, they have chosen not to and have repeatedly violated the Fair Credit Reporting Act, Title VI of the Consumer Credit Protection Act, and The Privacy Act of 1974!
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
- No adverse item besides the conviction of crimes should be on my report, any item that is a derogatory mark is not allowed into consumer reports this is another violation.- 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
-By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports, they are also violating compliance procedures under this title.- Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
-Again they need prior written instruction of the individual to whom it relates.- Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information -Once again, they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 ! - PART 1016 - PRIVACY OF CONSUMER FINANCIALINFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX.
-Every company owes me a privacy notice before they furnish any information to my consumer report, another violation! - 12 CFR 1016.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
-Once again they must give me an opt out notice for anything that is to be added to my consumer report.- 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; -Reporting my transaction history is illegal! Repeated Violations every month reported! - 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authorization - F.T.C. Violation, I have filed a report! - *Any collections means it has been Charged Off and is now a Certificate Of Indebtness and is considered Income and income can not be reported to my credit report according to I.R.S. Publication Laws, they must be removed.
*All Inquiries violate 15 U.S.C. Permissable Purposes, Promotional Inquiries, 3rd parties were allowed to " peek '' at my credit and violate my privacy, clear violation of numerous rights laws and acts. Each one is its own violation with a separate penalty and must be removed!
These severe violations have been the actions of XXXX, XXXX, Equifax ( who Ive learned I was a victim of their data breach as well, which is irrefutable proof of claim of identity theft along with XXXX and its own data breach ) XXXX XXXX XXXX who received my personal account information from XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX and numerous other companies on and off my report!
I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.
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02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Older American, Servicemember |
This complaint was originally submitted mid XX/XX/XXXX ; I have re-entered the complaint after calling your office ( XX/XX/XXXX ) and being told original complaint could not be found in your database??
To date, instead of trying to honestly respond ; I believe that Equifax, in its infinite arrogance, continues to only given frivolous and useless responses and resists improving a now known and proven flawed methodology for handling replaced credit cards that make good sound financial sense while penalizing the consumer by having them pay higher rates based on erroneous drops in credit scores reported after updates.
I am asking CFPB to pursue a resolution and barring that ; CFPB should take actions ( including opening a class action suit ) against Equifax and the 2 other Big Credit Reporting Bureaus for failing to respond to consumer complaints other than sending back meaningless, boiler-plate and useless responses that basically says to everyone complaining, that regardless of what they do neither individuals nor government agencies can make the big XXXX credit bureaus fix their problems.
Currently the CFPB appears to only be able to write reports ; but has no apparent interest or intent of pursuing any additional legal actions. If you can publish this and do find a legal firm willing to pursue class action- I will join.
-- -- -- -- -- -- -- -- -- -ACTUAL COMPLETE EMAILS -- -- -- -- -- -- -- -- ATTACHED AS PDF PLEASE DO NOT PUBLISH WITHOUT REMOVING MY NAME & EMAIL from pdf file -- -- -- -- -- -- -- -- -- -- -- -- -- HISTORY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Thu, XX/XX/XXXX at XXXX PM I sent the following message to CEO of Equifax XXXX XXXX ) with Subject : A comment from a fellow orange ( class of XXXX ) -- -- Am I missing something??
In the email I basically asked XXXX, as a fellow graduate of XXXX University, to please pass this on to his XXXX or whomever he believed could look into what appears to be a " flaw or error '' in the Equifax methodology used to upgrade the FICO scores provided after new information is inputted ( e.g. recalculated FICO score if credit card ( s ) are open, closed & /or replaced ) Attached are excerpts from the email ( CFPB was cc on original email ) " Hi XXXX... .I send you this note... ..over the fact that good credit practices get you bad / lower FICO scores '' and I suggested based on my experience that ( he ) ... " look into the sanity, validity and accuracy of ( his ) Equifax secret/ proprietary algorithm for FICO scores. The algorithm seems to sometimes work in reverse? '' I apologized for the amount of information ; but hopefully it was worthwhile to person assigned the task of evaluating my concern. I included my educational & work experience.
I reiterated that I only ' .... took advantage of s recent XXXX XXXX XXXX XXXXXXXX credit card offer ( 2 % cash back on everything ). Since I pay all my credit cards .... off in total each month ( I pay zero interest to CC companies ) ; So I cancelled our 2 ( XXXX 1 % cash back ) credit cards and replaced them with a new 2 % cardas far I was concerned this was a No Brainer right?
Well it seems that my FICO score ( based on your Equifax data ) dropped??
When I checked into it, I found out that the Key factors affecting my score changes were : A LACK OF RECENT INSTALLMENT LOAN INFORMATION o Seems your FICO Score considers recent non-mortgage installment loan ( such as auto or student loans ) information on a persons credit report.
o AND my score was impacted because my credit report shows NO recent non-mortgage installment loans or insufficient recent information about your loans.
o THIS IS because I HAVE NO LOANS! No Mortgage, No student loans ( did put 2 daughters : a RN / nurse and a HR Manager for major casino chain in NJ through parochial & private schools Plus 2 very nice XXXX weddings ) also THE TIME SINCE THE MOST RECENT ACCOUNT IS TOO SHORT.
o Seems your FICO Score considers how recently a person opened a new credit account as shown on their credit report.
o AND my score was impacted because of the time since I opened the new account.
o Seems your FICO score doesnt consider that it was also notated by the issuer ( Key Bank ) that This NEW CARD is a REPLACEMENT for 2 Lower Limit & Lower Reward credit cards.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Response from Equifax XXXX -- -- -- -- -- -- -- -- -- -- -- Between Thu, XX/XX/XXXX at XXXX XXXX and Fri, XX/XX/XXXX XXXX am I received what I considered to be a meaningless, " boiler-plate '' and useless response .... it stated : " Please be advised that there are several different scoring models a company may use. The credit score that Equifax provides, called the Equifax Risk Score, may vary from other scores you obtain from other companies or sources. Many companies may use and provide a FICO score. " ( does not address complaint ) " Your Equifax Risk score is calculated by a mathematical formula that evaluates the content of all account data on your credit report. If the account data contained on your credit report is correct, then the credit score is correct. ( Useless since my concern was that someone at either XXXXXXXX XXXX or XXXX XXXX or Equifax failed to CLEARLY INPUTTED & IDENTIFIED, as they agreed to do, THAT THIS WAS NOT A CANCEL & NEW CARD ISSUE BUT A FINANCIAL INSTITUTION OFFER TO REPLACE A LOWER PAYING 1 % CASH BACK CARD WITH A 2X HIGHER PAYBACK CARD ).
I was also told " Please be advised that your credit score can not be updated or changed by anyone. This is an automated calculation based upon the credit report.
If you have obtained your score, you may wish to review the reason codes provided along with the score. The reason codes will give you an indication of the key factors that may be impacting your overall credit score. ) This was addressed in original complaint & never responded to ) If you have reason to believe information reporting on your Equifax credit report is incorrect, you may dispute the information by contacting us using one of the three methods listed below. That included phone, online, mail.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- WHAT HAS HAPPENED -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have tried multiple times to call ( XXXX ) to BOTH open a dispute ; and also try to get my Equifax credit report.
It appears that each time Equifax, as a last check list item, asks you to answer 4 questions about your account dealing with loans you have. If your answer is NONE OF THE ABOVE for all 4 questions, you are told we can not help you ( at this time ) ... try again on line or by mail.
I ordered my CREDIT REPORT FROM annualcreditreport.com and it will arrive in 30 days ....
I responded to CEO & Equifax on XX/XX/XXXX to XXXX XXXX, ( CEO Equifax and to CFPB Ombudsman ) Since receiving the Equifax Customer Care ( ECC ) response ( the group apparently selected by XXXX XXXX or his representative to address my concern ) ; I have tried contacting/calling Equifax, at the number given, on several occasions. The last two calls, before today, were earlier ( XX/XX/XXXX )..
I originally sent my concern to the CEO of Equifax, as an friend & alumni from our college, but apparently whomever he selected to respond to me was not aware of the recent XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) report ( a copy CFPB report was also attached ). Maybe it should be required reading for Equifax ECC...
I continue to express concerns that this damages the most vulnerable people including the poor, senior citizens, minorities and immigrants ) ; these individuals have less time, resources and therefore the ability to get meaningful responses and results from the oligopoly ( the CFPB used description for Big 3 Credit Reporting Companies ) that Equifax is part of.
If Equifax can not seriously address our concerns and respond to the fact that the algorithm or methodology that they deliberately choose ( and continue to chose and use ), can be meaningfully improved ; then I suggest that CFPB consider as a next step, a formal complaint & /or some additional disciplinary/remedial actions including initiating a class action suit.
Based on the increasing numbers of recent new complaints and the corresponding lack of Equifax 's ( and other credit bureau 's ) meaningful responses ; it seems just a matter of time before other, harsher, actions, ( including governmental & /or private class actions ), need to be pursued.
I believe that making " good '', " sensible '', " logical '' and " prudent '' financial decisions should be rewarded and not penalized. These are well established and accepted industry wide accepted best practices.
If this is not a flawed systemic methodology or algorithm then it is a failure in execution ; and again it is Equifax 's ( as the user ) responsibility to correct.
Either way, instead of Equifax ( in their formal response ) explaining how the making of these good, sensible, logical and prudent financial decisions were penalized ; they apparently and openly admit that that ( and I quote from the attached response ) " Your Equifax Risk score is calculated by a mathematical formula that evaluates the content of all account data on your credit report. If the account data on your credit report is correct then the credit score is correct '' " Please be advised that your credit score can not be updated or changed by anyone. This is an automated calculation based upon the credit report.
THEN, we can only assume, it MUST be PERFECT & FLAWLESS, ( just the way Equifax protected there data last class action law suit ) ; so it will NEVER need improvements NO MATTER HOW POORLY IT FAILS to FUNCTION & /or TRACK with good financially accepted practices ; even after someone tells them about it .... ) Apparently neither XXXX XXXX nor his designated responders bothered to offer any response as to why my credit score was reduced? Something changed right?
I believe I did address, in my original email, the key factors that were mentioned as the reason for my lower Equifax score. ( see original email below ) and still no meaningful response To XXXX XXXX ( and CFPB ), I simply ask : Was it your mathematical formula? or " was it XXXX XXXX XXXX failure to correctly input the reason for replacing the credit cards? or was it Equifax 's overall system that failed to allow or execute the handling of replacement credit cards? or Some or all of the above?
Instead in Equifax 's infinite arrogance, I was given a frivolous and useless response.
Would you ( as CEO ) accept this as an answer, if you asked the question? ( A question a lawyer might ask you ) When I asked XXXX XXXX, Sir- Please advise, if and what I ( and CFPB ) should expect - if anything? and when to expect it? Your response for the last XXXX weeks is NOTHING MEANINGFUL The reason I ask is because Equifax has often promised to open investigations and send the results to the consumers at later dates, but it has failed to provide the CFPB with the outcomes of the investigations ; and I fear this may again happen.
I reminded Equifax that this most recent Equifax faux pas has dropped my score from Exceptional to Very Good ; and thereby raising, in part, the cost of my recent auto & home insurance renewal policies ( both acknowledge they use Equifax FICO scores to calculate their premiums ). I also would consider absorbing this if Equifax can satisfactorily resolve this concern quickly ...... Still nothing I no longer trust Equifax and have a " freeze '', with all 3 credit reporting entities ; especially after Equifax 's inability to protect their data. ( Reference - XX/XX/XXXX, Equifax finally admitted to being hacked, after six weeks ; and loosing data ( for ultimately almost 150 Million individuals ). Additionally, having a multi-state investigation found that Equifax failed to implement an adequate security system, despite knowing about a critical vulnerability in its software. ) Sound familiar someone finds a problem, Equifax is told. Does Nothing, Gets Sued Remember XXXX XXXX XXXX Blowing up? Is this a matter of paying a penalty because it is cheaper and nothing gets fixed Only time will tell
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12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Over the past couple months I have been researching my consumer reports. EQUIFAX XXXX XXXX has been reporting my consumer report with inaccuracies. Which has caused non extensions of credit to me the consumer. Revised XXXX The Fair Credit Reporting Act 15 USC 1681 section 602 A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX EQUIFAX XXXX XXXX are considered consumer reporting agencies. Per that same act in the definition terms Iam considered the consumer. As the consumer I have the right to make sure my private information is not being shared. Backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institutions and the consumer reporting agencies XXXX EQUIFAX & XXXX do not have my consent to furnish this information and they surely do not have my written consent. Therefore they have chosen to do so on there own. Any consent ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked by me [ XXXX XXXX ]. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX EQUIFAX AND XXXX are not maintaining reasonable procedures. THEY HAVE CAUSED ME GRAVE STRESS FINANCIAL HARDHSIPS DUE TO THE INACCURACIES OF THE REPORTS. BELOW ARE A MIXTURE OF SOME EXAMPLES FROM PAST CFPB COMPLAINTS ( FOUND ON THE CFPB WEBSITE ) AGAINST XXXX EQUIFAX AND XXXX. ALSO, LAWS THAT WERE VIOLATED PROTECTS THE CONSUMER FROM UNFAIR PRACTICES.
CFPB COMPLAINT : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1 Should be read as ( o ) or ( y ) because section 603 ( x ) was re-designated as 603 ( y ) in 2010 by the CFPA. 603 - 15 U.S.C. 1681a 3 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports THEY HAVE ALSO MADE IT VERY DIFFICULT FOR ME TO UPDATE MY PERSONAL INFORMATION AND PUT SECURITY FREEZES ON MY ACCOUNTS. LASTLY BECAUSE OF THIS INACCURATE REPORTING I HAVE BEEN DENIED EXTENSIONS OF CREDIT AND THE INQUIRIES LOWERED MY SCORES AS WELL.
XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX DENIED ME AN EXTENSION OF CREDIT.
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09/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved.
After reasonable inquiry I have concluded that XXXX XXXX XXXX XXXX.
is in breach of the alleged agreement. The following facts support my position in this matter : 1. XXXX XXXX XXXX XXXX. failed to disclose to the alleged consumer XXXX XXXX, XXXX. Collateral ( hereinafter consumer ) that XXXX XXXX, XXXX. Collateral used consumers note, capital, funds, money or money equivalent to fund a note, check or similar instrument that was used to fund the charges on the alleged account, whereby XXXX XXXX, XXXX. Collateral did not perform under the agreement and risked nothing of value.
2. XXXX XXXX XXXX XXXX. has not used any of their own capital, funds, money or money equivalents to pay for any charges on the alleged account.
3. XXXX XXXX XXXX XXXX. received something-for-nothing by using the consumers note ( s ) to fund charges to the credit card account while retaining payments from consumer.
4. So, a breach occurred due to the fact that XXXX XXXX XXXX XXXX. failed to disclose the above information in their credit card agreement prior to soliciting applicant to become bound by it.
5. Due to the breach, and lack of disclosure, XXXX XXXX XXXX XXXX. has, directly or indirectly, used false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, which constitutes fraud.
6. Due to the securitization of the initial outstanding balances of the alleged account, XXXX XXXX XXXX XXXX. is not a holder in due course, and therefore can not have incurred a loss or make a valid claim.
7. When accounts are 90 days or more overdue, XXXX XXXX XXXX XXXX. receives a payoff of the amount due from insurance, whose premiums were unknowingly funded by the so-called borrower.
I want to receive absolute assurance from XXXX XXXX XXXX XXXX. that they did not breach the agreement. In order to settle this matter, please sign or have an authorized officer sign the enclosed affidavit, confirming that you have read the agreement, that you understand GAAP, the bookkeeping entries, accounts receivables and deposits, the banking laws, and the Federal Reserve banks policies and procedures.
In addition please furnish me with the following information : 1. A complete statement of Damages, including each and every loss that XXXX XXXX XXXX XXXX. incurred under the alleged agreement.
2. A copy of any insurance claim having been made by XXXX XXXX XXXX XXXX. regarding this account.
3. A front and back, true and correct copy of the alleged signed agreement bearing my signature ( full & complete disclosure ), and a detailed copy of the alleged account.
4. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website.
5. The name, address and telephone number of XXXX XXXX XXXX XXXX CPA auditor.
6. Verification if this debt has been assigned or sold to a debt collector.
7. If this debt has been assigned to a debt collector, please provide the commission amount if collection efforts are successful.
8. If this debt has been sold to a debt collector, please provide the price for which it was sold.
If you can not verify and validate this debt by the above listed means, then what right do you have, under the Fair Debt Collection Practices Act 15 USC 1692, to even send me a letter? Are you committing mail fraud?
It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.
The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.
You are required by federal law to furnish the credit bureaus with the required disclosure by placing a notice of dispute on my account within ( 30 ) days after receiving this dispute letter. I am maintaining a careful record of dates as well as time-stamped copies of my credit reports, which will show that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) [ 15 USC 1681s-2 ] if you do not place the disclosure within the required ( 30 ) day period.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX ), this action might constitute fraud under both federal and state laws and directly violate the Fair Credit Reporting Act. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Bank Fraud, Aggravated Identity Theft and Conspiracy.
I am sure your legal staff will agree that non-compliance with this request could violate Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ], putting your company in serious legal trouble with the FTC and other state or federal agencies.
All communications and omissions will be made part of and incorporated into any litigation arising from this matter. Failure to verify and validate the debt within thirty ( 30 ) days by signing the enclosed affidavit confirms that no further action will be taken and an absolute waiver of any right to collect the alleged debt. Furthermore all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
You must contact me in writing and request an extension in the event that you need more than thirty ( 30 ) days to verify and validate the debt. Failure to do so confirms that the time limit is reasonable.
This notice also constitutes a Notice to Cease Telephonic Communications. Non-compliance with this request will violate the Telephone Consumer Protection Act 47 USC 227.
NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
Notice to the Principal is Notice to the Agent, and Notice to the Agent is Notice to the Principal.
Please be advised that the alleged debt that has been reported to you is uncollectable for the following reasons : Creditor is in breach of any alleged agreement that it claims I am bound by.
Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.
Due to the breach and lack of full disclosure, you are reporting a collection of an alleged debt from me, under false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.
Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account. This transaction is a securitization.
Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are reporting.
Law in support of the above : THE TRANSACTION In a credit card securitization transaction only the receivables are sold, not the accounts that generate the receivables. The financial institution retains legal ownership of the credit card accounts and can continue to change the terms on the accounts. Accounts corresponding to securitized loans are typically referred to as thedesignated accounts ( or sometimes trust accounts ). The initial outstanding balances on the designated accounts are sold to the trust as are the rights to any new charges on the designated accounts. Subsequently, as cardholder purchase activity generates more receivables on the designated accounts, these new receivables are purchased by the trust from the originating institution/seller/transferor. The trust uses the monthly principal payments received from the cardholders to acquire these new charges or receivables. When the securitization is initially set up, the originating institution/seller adds sufficient receivables to support the principal balance of the certificates plus an additional amount ( seller 's interest ) that serves to absorb fluctuations in the outstanding balance of the receivables. The originating institution/seller will make subsequentadditionsto the trust in order to keep the seller 's interest at the required level. ( Emphasis added ) See : https : XXXX SECURITIZATIONS 74. An originator of a typical securitization XXXX the transferor ) transfers a portfolio of financial assets to an SPE, commonly a trust. In " pass-through '' and " pay-through '' securitizations, receivables are transferred to the SPE at the inception of the securitization, and no further transfers are made ; all cash collections are paid to the holders of beneficial interests in the SPE. In " revolving-period '' securitizations, receivables are transferred at the inception and also periodically ( daily or monthly ) thereafter for a defined period ( commonly three to eight years ), referred to as the revolving period. During the revolving period, the SPE uses most of the cash collections to purchase additional receivables from the transferor on prearranged terms.
75. Beneficial interests in the SPE are sold to investors and the proceeds are used to pay the transferor for the assets transferred. Those beneficial interests may comprise either a single class having equity characteristics or multiple classes of interests, some having debt characteristics and others having equity characteristics. The cash collected from the portfolio is distributed to the investors and others as specified by the legal documents that established the SPE.
See Statement of Financial Accounting Standards No. 140, Financial Accounting Standards Board, XXXX XXXX ( FASB FAS140 ) This is probably the most legitimate dispute of the validity of the " loan '' you have ever seen. Therefore, you are courteously requested to enter this account as being suspended while in absolutely justified dispute. I trust that you and your management staff operate honorably and that I will never have to sue you for blemishing my credit for illegally allowing the pretender lenders erroneous and robotically unconscious computer-generated reports of default, if they occur, to lower my credit score. Wish me well in getting this resolved with the " lender '' itself, and I appreciate your protecting my credit score in the meantime. Thank you for your cooperation and I wish the best of success and happiness to you.
I declare under penalty of perjury without the United States that the above statements are the truth, the whole truth and nothing but the truth.
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07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern, YOU BROKE THE LAW!!!
Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.
Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.
Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.
Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.
( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.
Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.
Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL ITEMS FROM MY CONSUMER RFEPORT ACCORDING TO EXHIBIT A EXHIBIT A XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5800.00} {$5800.00} {$5800.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$5800.00} {$0.00} {$5800.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5800.00} {$5800.00} {$5800.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4100.00} {$4100.00} {$4100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$4100.00} {$0.00} {$4100.00} Credit Limit : {$3500.00} {$3500.00} {$0.00} Past Due : {$4100.00} {$4100.00} {$4100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$15000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account transferred or sold Student loan Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$1400.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account transferred or sold Student loan Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$8600.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account transferred or sold Student loan Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX SLMA XXXX XXXX Equifax Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$8500.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account transferred or sold Student loan Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$720.00} No. of Months ( terms ) : - High Credit : {$720.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment :- XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$3200.00} No. of Months ( terms ) : - High Credit : {$3200.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$360.00} {$360.00} No. of Months ( terms ) : - - High Credit : {$240.00} {$240.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Medical Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$120.00} {$120.00} No. of Months ( terms ) : - - High Credit : {$93.00} {$93.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Medical Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1700.00} {$1700.00} No. of Months ( terms ) : - - High Credit : {$1700.00} {$1700.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber.
Consumer disputes this account information Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$70.00} {$70.00} No. of Months ( terms ) : - - High Credit : {$70.00} {$70.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Medical Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XXXX Equifax Account # : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$780.00} No. of Months ( terms ) : - High Credit : {$780.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Consumer disputes this account information Medical Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX ( Original Creditor : ) XXXX XXXX Equifax Account # : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$75.00} No. of Months ( terms ) : - High Credit : {$49.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Medical Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX Date of Last Payment : - XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Open Account Open Account Account Type - Detail : Unknown - credit extension, review, or collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$720.00} {$720.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$720.00} {$720.00} XXXX XXXX : {$0.00} {$0.00} Past Due : {$720.00} {$720.00} Payment Status : Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber.
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department.
Consumer disputes this account information Collection account Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX
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10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles.
XXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.
2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.
4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights.
6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights.
Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX CDIA Metro 2 COMPLIANT reporting.
I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately!
THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
Might it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.
ii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.
iv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
viii ) Your reporting is unproven to be of CRSA enacted XXXX METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable alle-gation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character XXXX state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLI-ANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal infor-mation.
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11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Pursuant to Title 15 USC 1681b the transaction history regarding the XXXX XXXX account is not consistent, should be removed and constitutes a {$2000.00} fine per FCRA and FDCP violations plus as a Equifax willfully and/or negligently violated 15 U.S.C. 1681e ( b ) by failing adhere to the guidelines prescribed by Congress that the rights of this federally protected consumer.
It is a fact that pursuant to 18 USC 3663 ( 2 ) EQUIFAX has caused COMPLAINANT to become a VICTIM of IDENTITY THEFT pursuant to 15 USC 1681 a ( q ) ( 3 ) by AGENTS of EQUIFAX using the private identifying information of the COMPLAINANT for commercial purposes without the expressed written permission of the COMPLAINANT.
COMPLAINANT is aware and knows that the COMPLAINANT as the Secured Party is HOLDER IN DUE COURSE of the PREFERRED STOCK ( UNITED STATES XX/XX/XXXX ; XXXX XXXX I. XXXX ) : and holds a prior, superior, security interest and claim on the EQUIFAX XXXX as a DEBTOR and DEBTORs property which does not exclude ALL FILES containing the name and private information relating to XXXX XXXX XXXX SS # XXXX.
My address is XXXX XXXX XXXX XXXX XXXX, Il XXXX. All six other address being listed on Equifaxs credit report are non-mailable addresses and must be removed.
It is a fact that EQUIFAX theft of your affiant/victims identifying information is a destruction of your affiant/victims right to privacy pursuant to 15 USC 1692 a.
It is a fact that in violation of 15 USC 1681b, AGENTS of EQUIFAX created FILES with the trademarked and copyrighted private property of your affiant without permission or written instructions from your affiant.
It is a fact that pursuant to 15 USC 1681M there was a willful non-compliance to compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.
It is a fact that in violation of 15 USC 1681N, EQUIFAX neglected to follow compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.
If the COMPLAINANT is wrong in making any stated claim, ADDRESSEES as TRUSTEES are ordered to correct the record point-for-point using facts of law or waive the right to defense against any error, omission, flaw or defect regarding said claim as ADDRESSEES silence will be noted as acquiescence to said statements.
COMPLAINANT is aware and knows that in the event of any opposition to this NOTICE OF INTENT TO SUE, the opposition must be done by rebutting each and every point, point by point and making said rebuttal public record.
COMPLAINANT is aware and knows that all complaints of mail fraud can be handled through the XXXX.
COMPLAINANT is aware and knows that the terms and conditions of said treaty must be followed by all who choose to use the UNITED STATES XXXX XXXX for all mailings.
EQUIFAX caused commercial harm, damage and injury under pretense and colors to this COMPLAINANT and are in breach of numerous legal duties imposed upon the peoples Public Offices, and by Law are barred, estopped and precluded under the " CLEAN HANDS DOCTRINE, '' and PUBLIC POLICY '' from making any claim or right, title, or interest thereon. ( See : 18 U.S.C. 1001 ). Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law.
It is a fact, that in violation of 15 USC 1681b ( a ) ( 2 ), no written instructions were given validating EQUIFAX use of your affiants private information for commercial use.
It is a fact that EQUIFAX theft of your affiant/victims identifying information is a destruction of your affiant/victims right to privacy pursuant to 15 USC 1692 a. Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law.
It is a fact that in violation of 15 USC 1681b, AGENTS of EQUIFAX created FILES with the trademarked and copyrighted private property of your affiant without permission or written instructions from your affiant. Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law.
It is a fact that pursuant to 15 USC 1681M there was a willful non-compliance to compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.
It is a fact that in violation of 15 USC 1681N, EQUIFAX neglected to follow compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.
COMPLAINANT, is a XXXX XXXX XXXX XXXX and beneficiary to the XXXX Treaty of XXXX and XXXX between the XXXX XXXX and the UNITED STATES, said treaty being regarded as the supreme law of the land pursuant to ARTICLE SIX of the CONSTITUTION, whose claim may be referenced by LIBRARY OF CONGRESS CATALOGUE # TxU 2-22-088.
It is a fact, that EQUIFAX is a DEBT COLLECTOR as defined by 15 USC 1692a ( 1 ).
It is a fact that pursuant to 18 USC 3663 ( 2 ) EQUIFAX has caused affiant to become a VICTIM of IDENTITY THEFT pursuant to 15 USC 1681 a ( q ) ( 3 ) by AGENTS of XXXX using the private identifying information of your affiant/victim for commercial purposes without the expressed written permission of your affiant/victim.
It is a fact, that in violation of 15 USC 1681b ( a ) ( 2 ), no written instructions were given validating EQUIFAX use of your affiants private information for commercial use.
It is a fact that after stealing the private identifying information of your affiant, in violation of 15 USC 1681d ( 2 ) B, although CONGRESS has instructed that authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card is to be excluded from what may be referenced as a consumer report, EQUIFAX did damage to your affiant by refusing to exclude the reporting of the fraud based XXXX XXXX as further destruction of your affiants right to privacy.
In violation of 15 USC 1681 ( e ) EQUIFAX willfully and negligently failed to provide proof of investigative consumer reports done as defined in the statute by CONGRESS via any natural person serving as a senior AGENT OF EQUIFAX and recorded in writing under penalty of perjury attesting to the evident fact that this affiant was in possession of goods, services, or money regarding the disputed transaction involving said It is a fact that EQUIFAX AGENTS willful noncompliance to 15 USC 1681 ( e ) whereby EQUIFAX AGENTS have refused to provide proof of investigative consumer reports being done as defined by CONGRESS is a violation by EQUIFAX AGENTS of 15 USC 1692 ( e ) 10 as your affiant has been damaged by EQUIFAXS use of false representation and deceptive means to facilitate debt collection.
It is a fact, that in violation of 15 USC 1681 ( e ) EQUIFAX did create investigative consumer reports based on alleged specific factual information damaging to your affiant on several accounts.
It is a fact that EQUIFAX AGENTS violation of 18 USC 3663 ( 2 ) is evidence of EQUIFAX AGENTS violation of 18 USC 1346 by EQUIFAX AGENTS involving affiant in a scheme designed to deprive your affiant of honest services.
It is a fact that in violation of 15 USC 1681 a ( q ) ( 3 ), EQUIFAX causing affiant to become a VICTIM of IDENTITY THEFT pursuant to 18 U.S. CODE 3663 ( 2 ) is evidence of EQUIFAX AGENTS violation of 18 USC 1346 by EQUIFAX AGENTS involving affiant in a scheme designed to deprive your affiant of honest services.
It is a fact that COMPLAINANT, spouse and XXXX children have all become aggrieved party/victims as a result of abusive, deceptive and unfair debt collection practices of EQUIFAX as defined by XXXX USC 1692a after a theft of affiants private identifying information.
COMPLAINANT suffered damage from emotional stress from the personal bankruptcy stemming from EQUIFAX unfair and abusive practices and invasions of privacy as mentioned in 15 USC 1692a.
COMPLAINANT suffered damage from emotional stress due to the marital instability stemming from EQUIFAX unfair and abusive practices and invasions of this affiants privacy as mentioned in 15 USC 1692a.
COMPLAINANT has suffered emotional stress from personal bankruptcy as the result of the libel and character XXXX made possible because of EQUIFAX AGENTs theft of affiant/victims private information and EQUIFAX use of unfair practices in order to collect debts as mentioned in 15 USC 1692a .
After two years of gathering information and documentation COMPLAINANT has deduced that Equifax ( a rogue employee ) was directly involved with COMPLAINANT identity theft. This is based on e-mails COMPLAINANT obtained from the identity thief XXXX e-mail account ( which was fraudulently opened under COMPLAINANT name ) and numerous inconsistencies that are found only in COMPLAINANT Equifax credit reports. herefore, in XX/XX/XXXX EQUIFAX willfully and intentionally violated 15 U.S.C. 1611 by failing to act as prescribed by federal statute after receiving notice of a dispute from a consumer.
Equifax has violated the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Privacy Act of XXXX and caused me mental and emotional suffering along with humiliation and commercial damage per the following violations, In violation of Title 15 USC 6802 and the Bank Secrecy Act by XXXX XXXX disclosing my nonpublic personal information to a nonaffiliated third party Equifax has used my private information and reported my bank transaction history and per 15 usc 6805, I opt out of said transaction history being reported.
Equifax willfully and/or negligently violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a reasonable reinvestigation to determine whether the disputed information was inaccurate or incomplete.
Equifax willfully and/or negligently violated 15 U. S.C, 1681 i ( a ) ( 4 ) by failing to review and consider all relevant information submitted by COMPLAINANT with respect to disputed information.
Equifax willfully and/or negligently violated 15 U.S.C. 16811 ( a ) ( 6 ) ( A ) by failing to provide written notice to COMPLAINANT of the results of the reinvestigation that allegedly occurred on XX/XX/XXXX.
Equifax willfully and/or negligently violated I5 U.S.C. 1681i ( a ) ( 7 ) by failing to provide to COMPLAINANT a description of the procedure used by Equifax on XX/XX/XXXX, to determine the accuracy and completeness of information, including the business name and address of any furnisher of information contacted in connection with such information.
Equifax willfully and/or negligently violated 15 U.S.C. 1681g ( a ) ( 3 ) ( A ) by failing to clearly and accurately disclose to COMPLAINANT the identification of each person that had procured Plaintiff s consumer report.
COMPLAINANT as beneficiary to said treaty XXXX XXXX the right to the common law jurisdictions of the original XXXX constitution whereby CONGRESS is responsible for any debt pursuant to ARTICLE ONE SECTION EIGHT OF THE CONSTITUTION as all DEBT OBLIGATIONS are the OBLIGATIONS of the UNITED STATES per TITLE 18 USC 8.
COMPLAINANT as a free inhabitant is not to be compelled to accept COMPLAINANT 'S XXXX to be registered as a SECURED COMMODITY subject to Laws of XXXX XXXX.
COMPLAINANT is domiciled in the Illinois XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX established by the articles of XXXX and later perfected by the addition of the Constitution of the United States from WITHOUT THE UNITED STATES as incorporated under the organic act OF XXXX.
ADDRESSEES may be HELD HARMLESS FOR CONSPIRACY TO COMMIT FRAUDS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SECURITIES FRAUD, XXXX, XXXX XXXX XXXXXXXX, IDENTITY THEFT and all applicable TITLE 15 and TITLE 18 VIOLATIONS of the UNITED STATES CODE in VIOLATION of the XXXX ACT, if all CREDIT FILES reported for XXXX XXXX XXXX by EQUIFAX agents are permanently deleted and a one time payment via UNITED STATES XXXX MONEY ORDER of {$75000.00} USD is issued as a religious contribution to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX.
Failure of the ADDRESSEES to acquiesce to the terms and conditions of this contract will result in XXXX XXXX XXXX charges that will be enforced with great diligence, holding all addressees personally liable, until ALL parties involved are brought to XXXX.
Sincerely, XXXX ; XXXX
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12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act XXXX accounts, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX1 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. 15 U.SXXXX Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 7. 15 U.S. Code 1605 - Determination of finance charge XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 9. 15 U.S. Code 1605 - Determination of finance charge XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 11. I Was Never Late on this account XXXX XXXX Account Number : XXXX 15 U. S. C 1666b Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not delete these alleged lates payment from my credit report.
XXXX. I Was Never Late on this account XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose 13. I Was Never Late on this account XXXX Account Number : XXXX 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be verified or removed immediately : XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports CREDIT XXXX BANK NA Date of inquiry : XX/XX/XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX Code XXXX - Determination of finance charge XXXX XXXX Account Number XXXX XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX Code XXXX - Determination of finance charge XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXXXXXX XXXX Account Number : XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. I Was Never Late on this account XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not, you delete these alleged lates payment from my credit report.
XXXX. I Was Never Late on this account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C XXXX : A Creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose XXXX. I Was Never Late on this account XXXX Account Number : XXXX XXXX U.S.C XXXX : A Creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose XXXX. I Was Never Late on this account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not, you must delete these alleged late payments from my credit report.
In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Thank you,
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09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX MI XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IOWA XXXX CERTIFIED MAIL RETURN RECEIPT NUMBER : XXXX XX/XX/XXXX Dear XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) THIS IS MY SECOND REQUEST FOR VALIDATION WHICH YOU HAVE NOT PROVIDED. PLEASE KNOW THAT IF THIS MATTER IS NOT CORRECTED I WILL BE FORCED TO SEEK LEGAL REPRESENTATION.
*** This is notice that your claim is disputed and denied.I refuse to pay you any monies, please return this account to the original creditor. Please note that current address is listed at the header and footer of this letter and I would only like to be contacted by United States Postal mail at my address. Cease and desist ALL collection activities. This is my formal refusal to pay until this account had been properly validated. If you are not able to validate please permanently delete immediately. *** IN REFERENCE TO ACCOUNT NUMBER : XXXX ACCOUNT TYPE, ACCOUNT STATUS, PAYMENT HISTORY SHOULD BE BLANK FILLED, NO NUMERICAL DATA SHOULD BE LEFT BLANK FILLED IT SHOULD BE XXXX FILLED. COMPANY FAILED TO REPORT BALANCE AND DATE OF LAST PAYMENT. PLEASE DELETE The Consumer Financial Protection Bureau, Fair Credit Reporting Act, Fair Debt Collection Practices Act, among other various state laws there is certain information you must present to me in order to validate, not verify, the account in question. Please provide me with the following...
1. Legal name and mailing address of debt collector.
2. Name and address of original creditor to whom the alleged debt if owed to.
3. Complete account number as it is in your file. No abbreviations of any kind.
4. Itemization of current amount of debt. Interests, fees, payments, and credits from particular date or verify with records. Please note that itemized amounts can not be left blank, even if no additional amounts have been assessed or applied during the relevant time period. An itemization date and the amount of the debt as of the itemization date and the current amount if the debt. Please note that itemization date can only be the last creditor statement, the charge-off date, the last payment date, transaction date, or judgement date.
5. Current amount of debt as of when the validation notice is provided.
6. Information about my consumer debt collection rights including how to dispute the debt.
7. Proof that I am indeed the correct consumer that this account belongs to.
8. Proof that you are legally able to collect debt in my state.
9. Documentation from the alleged creditor authorizing you to contact me and pursue collection of this alleged debt.
10. Complete accounting records for alleged debt. -Your Purchase Agreement.
Please provide the name and address of the bonding agent for { creditor_name } in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. You have 30 days to complete my request after you have received it. I have sent this correspondence certified so that I am able to keep track of response time.
Please be aware that is there are any negative remarks found on my credit report from your company or any company that you represent, this will result in my filing an immediate lawsuit against you and your client for violation of the FCRA and FDCPA, as well as defamation of character and Negligent Enablement of Identity Fraud.
You are instructed to take no action that could be detrimental to any of my credit reports.
Thank you for your prompt attention to this matter.THIS IS MY THIRD AND FINAL REQUEST BEFORE SEEKING LEGAL ASSISTANCE.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX References 1. CFPB - Consumer Financial Protection Bureau. XX/XX/XXXX, XXXX.What is a debt collection validation notice? Retrieved from www.consumerfinance.govXXXX
2. Fair Debt Collection Practices Act 3. Fair Credit Reporting Act 4. XXXX Credit Reporting Resource Guide. Consumer Data Industry Association XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CERTIFIED MAIL RETURN RECEIPT NUMBER : XXXX XX/XX/XXXX Dear XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) THIS IS MY SECOND REQUEST FOR VALIDATION WHICH YOU HAVE NOT PROVIDED.
*** This is notice that your claim is disputed and denied. Please note that current address is listed at the header and footer of this letter and I would only like to be contacted by United States Postal mail at my address. Cease and desist ALL collection activities. This is my formal refusal to pay until this account had been properly validated. If you are not able to validate please permanently delete immediately. *** IN REFERENCE TO ACCOUNT NUMBER : XXXX Please reinvestigate this account. This account seems to be reporting with several errors and discrepancies with your company as well as among the other bureaus. Please permanently delete this account from my credit report as it is reporting with the following errors : XXXX XXXX Equifax Account # XXXX XXXX XXXX Account Type Open Installment Open Type Detail XXXXAccount XXXXAccount XXXX Account Status Open Closed Open The Consumer Financial Protection Bureau, Fair Credit Reporting Act, Fair Debt Collection Practices Act, among other various state laws there is certain information you must present to me in order to validate, not verify, the account in question. Please provide me with the following...
1. Legal name and mailing address of debt collector.
2. Name and address of original creditor to whom the alleged debt if owed to.
3. Complete account number as it is in your file. No abbreviations of any kind.
4. Itemization of current amount of debt. Interests, fees, payments, and credits from particular date or verify with records. Please note that itemized amounts can not be left blank, even if no additional amounts have been assessed or applied during the relevant time period. An itemization date and the amount of the debt as of the itemization date and the current amount if the debt. Please note that itemization date can only be the last creditor statement, the charge-off date, the last payment date, transaction date, or judgement date.
5. Current amount of debt as of when the validation notice is provided.
6. Information about my consumer debt collection rights including how to dispute the debt.
7. Proof that I am indeed the correct consumer that this account belongs to.
8. Proof that you are legally able to collect debt in my state.
9. Documentation from the alleged creditor authorizing you to contact me and pursue collection of this alleged debt.
10. Complete accounting records for alleged debt. -Your Purchase Agreement.
Please provide the name and address of the bonding agent for { creditor_name } in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. You have 30 days to complete my request after you have received it. I have sent this correspondence certified so that I am able to keep track of response time.
Please be aware that is there are any negative remarks found on my credit report from your company or any company that you represent, this will result in my filing an immediate lawsuit against you and your client for violation of the FCRA and FDCPA, as well as defamation of character and Negligent Enablement of Identity Fraud.
You are instructed to take no action that could be detrimental to any of my credit reports.
Thank you for your prompt attention to this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX References 1. CFPB XXXX Consumer Financial Protection Bureau. XX/XX/XXXX, XXXX.What is a debt collection validation notice? Retrieved from www.consumerfinance.govXXXX
2. Fair Debt Collection Practices Act 3. Fair Credit Reporting Act 4. XXXX Credit Reporting Resource Guide. Consumer Data Industry Association XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CERTIFIED MAIL RETURN RECEIPT NUMBER : XXXX XX/XX/XXXX Dear XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) *** This is notice that your claim is disputed and denied. Please note that current address is listed at the header and footer of this letter and I would only like to be contacted by United States Postal mail at my address. Cease and desist ALL collection activities. This is my formal refusal to pay until this account had been properly validated. If you are not able to validate please permanently delete immediately. *** IN REFERENCE TO ACCOUNT NUMBER : XXXX Please reinvestigate this account. This account seems to be reporting with several errors and discrepancies with your company as well as among the other bureaus. Please permanently delete this account from my credit report as it is reporting with the following errors : ACCOUNT TYPE, ACCOUNT STATUS, PAST DUE, PAYMENT HISTORY The Consumer Financial Protection Bureau, Fair Credit Reporting Act, Fair Debt Collection Practices Act, among other various state laws there is certain information you must present to me in order to validate, not verify, the account in question. Please provide me with the following...
1. Legal name and mailing address of debt collector.
2. Name and address of original creditor to whom the alleged debt if owed to.
3. Complete account number as it is in your file. No abbreviations of any kind.
4. Itemization of current amount of debt. Interests, fees, payments, and credits from particular date or verify with records. Please note that itemized amounts can not be left blank, even if no additional amounts have been assessed or applied during the relevant time period. An itemization date and the amount of the debt as of the itemization date and the current amount if the debt. Please note that itemization date can only be the last creditor statement, the charge-off date, the last payment date, transaction date, or judgement date.
5. Current amount of debt as of when the validation notice is provided.
6. Information about my consumer debt collection rights including how to dispute the debt.
7. Proof that I am indeed the correct consumer that this account belongs to.
8. Proof that you are legally able to collect debt in my state.
9. Documentation from the alleged creditor authorizing you to contact me and pursue collection of this alleged debt.
10. Complete accounting records for alleged debt. -Your Purchase Agreement.
Please provide the name and address of the bonding agent in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. You have 30 days to complete my request after you have received it. I have sent this correspondence certified so that I am able to keep track of response time.
Please be aware that is there are any negative remarks found on my credit report from your company or any company that you represent, this will result in my filing an immediate lawsuit against you and your client for violation of the FCRA and FDCPA, as well as defamation of character and Negligent Enablement of Identity Fraud.
You are instructed to take no action that could be detrimental to any of my credit reports.
Thank you for your prompt attention to this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX References 1. CFPB XXXX Consumer Financial Protection Bureau. XX/XX/XXXX, XXXXWhat is a debt collection validation notice? Retrieved from www.consumerfinance.govXXXX
2. Fair Debt Collection Practices Act 3. Fair Credit Reporting Act 4. XXXX Credit Reporting Resource Guide. Consumer Data Industry Association
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10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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On XX/XX/XXXX and XX/XX/XXXX through the CFPB, I disputed acct XXXX. Both times the account came back verified. XXXX was not taken into this matter as it has yet to be resolved in a manner that is fair and equitable to me, the consumer, per the FCRA regulations. I explained the violations your agency is committed under the FCRA.
Accuracy and incomplete information.
*Equifax is reporting XX/XX/XXXX for date of last activity while XXXX is reporting XX/XX/XXXX. *Equifax is reporting XX/XX/XXXX for date reported while XXXX is reporting XX/XX/XXXX.
*Equifax is reporting XX/XX/XXXX for last payment while XXXX is reporting XX/XX/XXXX *Equifax has incomplete information reporting for term length while XXXX is reporting 24 months.
I also informed your agency that the XXXX privacy policy violates federal law in which it blocks consumers from opting out of having their non public personal information reported to a non affiliated third party.
This leads to the way of identity theft, violating the block of information resulting from the identity theft section, which leads to a violation of the civil liability section of the FCRA. Your agency has clearly refused to follow the law and to honor my previous request so I am requesting a reinvestigation and demanding your agency explain your method of verification in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in case of disputed accuracy section. 15 USC 1681i ( 7 ) which states : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
The law clearly states : Shall is an imperative command, usually indicating that certain action are mandatory, and not permissive. This contrast the word may, which is usually used to indicate a permissive provision, ordinarily implying some degree of discretion.
This means that the term shall is a term that states something is mandatory and I am demanding an adequate answer no later than 15 days or these items must be deleted.
I have suffered emotional distress as a result of this matter and I have been depressed and suicidal as a result so I demand that this matter be resolved in a fair and equitable manner, which still hasnt been done.
A consumer report is defined as the following under the FCRA ( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Its important the items above have not mentioned the use of FICO which is literally the scoring system used by your agency to judge me as a consumer. FICO is not included in the consumer report and is a factor your agency has taken upon themselves in the role your agency has assumed, per the Fair Credit Reporting Acts congressional findings section which states the following : ( a ) Accuracy and fairness of credit reporting Congress make the following findings.
3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Because consumer reporting agencies like your agency have ASSUMED the vital role, Congress explained how it important to respect the right to privacy as stated in the following : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Furthermore, its important to be aware if the Fair Credit Reporting Acts exclusion section in my explanation on HOW and WHY these items should be deleted. The exclusion section says the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The FCRA explains clearly that both transactions and experiences between the consumer and person making the report are to be excluded or not included on a consumer report. I am the consumer and a person is defined as the following under the FCRA : person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
The term person includes both your agency and any entity thats reported as the furnisher of the information that appears on my consumer report. Essentially, all the items I am disputing fall under this category of what is to be excluded from my consumer report.
When I review the XXXX privacy notice by law Im suppose to get 3 disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Equifax and XXXX are non affiliated third partys and this privacy notice states that the consumer can not limit ( opt out ) their information for being shared to a credit bureau. This is breaks federal law and is fraudulent activity.
For our everyday business purposes- such as to process your transactions, maintain your account ( s ), respond to court orders and legal investigations, or report to credit bureaus Does the Credit Union share? Yes Can you limit this sharing? No This privacy notice does not allow the consumer to fully exercise disclosure B under the law making this fraud and without proper consent the FTC states that is identity theft.
18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information Again the items I am disputing are as follows : XXXX account XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section or the FCRAs definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identify theft ( as defined by the Federal Trade Commission ), and the account shall be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instruction to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. I demand you delete this item from my consumer report.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
In addition, your agency has violated my consumer rights and violated federal law under the permissible purpose section ; theres proof in 15 usc 1681b ( 2 ) of the FCRA which is listed below ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.
I clearly did not given your agency written permission or written instruction to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained detention of my character, just to name a couple of damages should this matter escalate to court.
I am distressed that you have included information below into my consumer file and that you have failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports you publish, which is a violation of the FCRAs compliance procedures section, 15 usc 1681e ( b ).
I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are fraud that I did not authorize.
The FCRAs block of information section ; 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Again, I have provided all 4 pieces of information and I expect these listed accounts above to be blocked and deleted within 4 business days of your receipt of this notice, otherwise you are in violation of my rights under the FCRA once again.
If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receipt of this notice per 15 usc 1681c-2 and inform me of your method of verification per 15 usc 1681i ( 7 ), as my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter end up in court.
I have suffered emotional distress and as a result of this matter and I have felt suicidal as a result. Therefore, I am compelled to escalate this matter and request a fair and equitable resolution through arbitration, per Equifax arbitration agreement.
Despite my previous communication efforts regarding this topic, this matter has not been adequately and fairly resolved as the FCRAs congressional findings section honors.
I am aware that under XXXX arbitration agreement that Equifax is responsible for paying filing fees if the consumer in writing ask Equifax to do so which Im requesting. However, considering the substantial cost associated with the arbitration process, I am providing Equifax with an opportunity to avoid these expenses altogether.
Delete these items and issue me a new, updated consumer report Thanks, XXXX XXXX. XXXX
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05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
Elder financial Abuse My name is XXXX XXXX XXXX, a XXXX Veteran XXXX on XXXX XXXX. Tax ID XXXX. I received an Itemized statement from XXXX XXXX. XXXX XXXX XXXX XXXX was the alleged XXXX Loan involved with me that originated by XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX to have acquired the XXXX loan from XXXX XXXX in XX/XX/XXXX. The originated Home Equity Line of Credit was with XXXX in XX/XX/XXXX. XXXX was closed in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is alleged to be involved with the Old XXXX loan from XXXX. XXXX XXXX is the alleged Senior lender. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the Alleged junior lender. Alleged to have acquired the XXXX Home Equity line of Credit in XXXX. On the statement date of XX/XX/XXXX states XXXX XXXX from XXXX, and sold the loan by XXXX XXXX. Then on XX/XX/XXXX charge XXXX XXXX Charge Number XXXX XXXX XXXX XXXX filed foreclosure. On XX/XX/XXXX XXXX XXXX alleges that the loan was paid off. On XX/XX/XXXX XXXX XXXX suddenly dismisses the lawsuit which is the second foreclosure lawsuit XXXX XXXX has dismissed on the home since XXXX. On XX/XX/XXXX A payoff statement was ordered from alleged to be XXXX XXXXXXXX XXXX. XXXX XXXX sends a letter to me in XX/XX/XXXX stating congratulations the loan was paid off with a release of mortgage. XXXX XXXX has never disclosed how the loan was paid off or why the Foreclosure was dismissed. I had an attorney at the time who I was paying a monthly bill to help me save my home. I thought all the loans on the home were paid off after my wife passed away on XX/XX/XXXX through the probate of a wrongful death. However, a XXXX Home Equity line of Credit was taken out in XX/XX/XXXX. My Last payment was in XXXX with the real mortgage company XXXX before they closed in XXXX. Out of nowhere a XXXX XXXX XXXX XXXX XXXX alleges to have received assignment from XXXX on XX/XX/XXXX which is about 6 years after my last payment. XXXX XXXX XXXX was calling me asking me to send documents regarding a previous loan with XXXX which I did not understand why. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX filed a foreclosure on the home without my knowledge or being served in any lawsuit. XXXX XXXX filed a foreclosure XX/XX/XXXX. When I found about it the foreclosure with XXXX XXXX XXXX XXXX XXXX it was XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX stated to have no record of the home or involvement with XXXX XXXX XXXX. It appears that XXXX XXXX XXXX using the name XXXX XXXX XXXX XXXX XXXXXXXX as a decoy to hide XXXX XXXX XXXXXXXX from any involvement or liability with the foreclosure lawsuit. In the XXXX XXXX XXXX XXXX XXXXXXXX, I also discovered that documents were forged in my name as if I made appearances in court when I was working at the XXXX at the time. Then I hired an attorney on XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to XXXX XXXX XXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. XXXX XXXXXXXX XXXX is alleging that it paid off the loan from XXXX XXXX. When it was alleged to already been sold off. XXXX XXXX XXXXXXXX instead alleged to have consolidated the loan to avoid XXXX XXXX foreclosure on the home that would have wiped any second liens on the title. I dont believe any loan was actually paid off to XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX is refusing to produce any payment information or wire transfer as to who, when, why or where this alleged payment was made. Now XXXX XXXXXXXX XXXX is claiming that it alleged to have paid off the loan, and added XXXX XXXX loan to the old XXXX loan. I never knew anything about this at all. I have never signed anything or applied for any, new loans, refinance, loan modifications, Deed, in lieu, forbearance or reverse mortgage, confirming consolidating anything with XXXX XXXX XXXX. Nor have I applied for loans above with any other lenders regarding the home. XXXX XXXXXXXX XXXX claims to have been paying extra home insurance on the home, Taxes, XXXX XXXX transferred loan adding taxes to this amount. The amount Im alleged to owe with Bank XXXX XXXX is over XXXX on a home that is under water and worth less than XXXX. This is fraud, because I did not do any of this. Im being harassed by XXXX XXXX XXXX for money that I do not rightfully owe. I also recently discovered that XXXX XXXX in XX/XX/XXXX to XX/XX/XXXX removed my name on the loan documents, and placed my former attorneys name to receive my loan billing statements. In the end my attorney claims to not know anything. Then later my former Attorney stated that he thinks XXXX XXXX XXXX XXXX XXXX paid it off. I was never informed by my former attorneys that anything was paid off for me to have to pay it later with another lender, or servicer. XXXX XXXX had me sign a loan Modification that originated by XXXX XXXX Bank XXXX loan that I had on the home in XXXX. The loan was alleged to be acquired by XXXX XXXX in XXXX. However, this can not be confirmed. Because Investors Saving Bank Received Government Assistance Failed on XX/XX/XXXX. The loan was created in XX/XX/XXXX with XXXX XXXX Bank XXXX. VA secured loan. In XXXX XXXX XXXX pressured me to sign a loan Modification changing those terms of the original loan from a XXXX loan to a regular Mortgage without informing me of that. XXXX, XXXX also did not get any approval from the XXXX to change the terms of the loan which was higher well above my income amount. Which now have me in the situation Im in today. Then soon after the loan Modification was completed a Bank called XXXX XXXX XXXX XXXX XXXXXXXX filed a foreclosure less than 30 days later after alleged to have signed a subordination agreement with XXXX XXXX. Now Im in a process to be evicted from my home by alleged to be XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXX is using the name XXXX XXXX XXXX XXXX XXXX to Evict me from my home. XXXX XXXX XXXX also allege that I owe over XXXX to them that I know nothing about as well. I feel I have been a victim of Elder financial abuse, consumer fraud and fair debt collections act practices and mortgage foreclosure scam by hired law firm. It does appear that XXXX XXXXXXXX XXXX and XXXX XXXX were working together as this is connected with the National Mortgage Settlement ( XXXX ). XXXX XXXX filed the first foreclosure on XX/XX/XXXX XXXX XXXX Illinois XXXX XXXX. I was also informed that the alleged judgment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is invalid. The XXXX case on the home is XXXX. However, the eviction case was dismissed in XX/XX/XXXX. Whomever is working with alleged XXXX XXXX XXXX XXXX XXXX is still trying to pursue the Eviction case despite being dismissed for want to prosecute on XX/XX/XXXX. The XXXX case was not refiled within XXXX year or vacated. XXXX XXXXXXXX XXXX is Threatened to sue me for debt not owed. I also have reason to believe that additional lawsuits have been filed against me By XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX that Im not aware of. Nor was I served by anyone regarding any new lawsuits. Seeking assistance with this matter. XXXX XXXX filed a foreclosure XX/XX/XXXX. I hired an attorney in XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to XXXX XXXX XXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. This XXXX XXXX XXXX statement says that I made payments when I have not made any of these payments to XXXX XXXX XXXX. I feel that someone took out a loan in my name and identity with XXXX XXXXXXXX XXXX for me to pay it back later which is fraud. Im also a victim of identity theft as well since XXXX. XXXX XXXX XXXX - This a document that was Submitted to the XXXX with false claims that the home was vacant. When the home was not Vacant to have me restricted from accessing the home and my property removed from the home. Despite a wrongfully filed Eviction case against the home during the Illinois Eviction moratorium in the name of XXXX XXXX XXXX XXXX XXXX. Who is really XXXX XXXXXXXX XXXX? XXXX XXXX has been harassing us at the home and her husband for years. I have proof that she has been disparaging us with random people while claiming to be the realtor of the bank. Then she seems to not be sure what bank she is alleged to be working with. But have uploaded old outdated documents from XXXX XXXXXXXX XXXX. The XXXX document has XXXX XXXXXXXX XXXX on it as well. This is wire transfer fraud scam that wired money to my former attorney for a settlement that I did not receive any money from. This is not about the false statements by XXXX XXXX claiming the loan was paid off. The loan was forgiven for wrongdoing by XXXX XXXX. XXXX XXXX is working with XXXX XXXX XXXX as well. The amount that was alleged to be paid to XXXX XXXX from XXXX XXXXXXXX XXXX are totally different payment amounts. XXXX XXXXXXXX XXXX has XXXX amount and XXXX XXXX has another amount which is clearly fraud. Any payoff amount has to contain the exact same amount paid out and received. However, XXXX XXXX XXXX wants me to pay them back money that was never paid to XXXX XXXX loan. Nor did I confirm anything for XXXX XXXX XXXXXXXX to pay off any XXXX XXXX loan. Please look at the loan documents with my XXXX attorney 's mailing address on my statement for him to receive my pay statement only that I had no prior knowledge of. Nor did I authorize this with XXXX XXXX or my former Attorney. A lawsuit was filed in Illinois against XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX XXXX deed came from alleged XXXX XXXX from XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX name was involved as part of a robo-signing mill transferring loans fraudulently. The XXXX records show that XXXX XXXX was acquired by XXXX not XXXX XXXX. I have the proof and documents of all allegations. XXXX XXXX dismissed both foreclosure actions were due to wrong doing not the loan being paid off. Now in XX/XX/XXXX the stories change that XXXX XXXXXXXX XXXX paid off the loan to XXXX XXXX which is false. Now XXXX XXXX XXXX wants me to pay back a loan alleged to have been paid off to XXXX XXXX. I did not authorize any payoff or loans or anything with XXXX XXXXXXXX XXXX which is fraud. Please review document attachments. I'm consulting with attorneys regarding fraudulent activity... XXXX XXXX continues to not answer or supply accurate information to my complaints filed. Please submit all responses to the lawsuit upload documents for review to the Consumer Financial Protection Bureau to conceal fraud /Elder abuse. XXXX XXXX also forged my name on documents as well. The make home Affordable document from XXXX XXXX is forged and not my signature. Please review the Making Home Affordable document page XXXX that the Monthly gross wages are scratched out, and the income expenses are incorrect. Not my hand writing. This is a fraudulent created document. I never signed any court affidavit or any affidavit with XXXX XXXX or any bank, confirming anyone third party or Attoney to be given access to any loan accounts documents. XXXX XXXX never confirmed anything to me to release any account documents to anyone, any attorneys and so forth. I never signed any notarized affidavit with any attorneys as well. XXXX XXXX refuses to take any accountability for there actions which was fraud against me plain and simple. Wire Transfer statement I received from XXXX XXXX XXXX review the Wire payoff details that was sent by XXXX XXXX appears fraudulent. This was alleged to be paid by XXXX XXXX XXXXXXXX. XXXX. There is no bank name on the alleged wire transfer XXXX. The loan amount is incorrect that was alleged to be owed to XXXX XXXX. XXXX. The file name, Load, Bank ID, Sequence and Wire Description the numbers look uneven or altered on the form. XXXX. No XXXX notes XXXX. No PO information XXXX. No case numbers XXXX. XXXX XXXX is a debit card that is from XXXX The bottom line is that the alleged wire transfer form is fraudulent.
Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/XXXX XXXX
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07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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my name is XXXX XXXX XXXX I have reached out to XXXX/EQUIFAX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX EQUIFAX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/EQUIFAX then , you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/Equifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED Equifax, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint CALIFORNIA STATE ATTORNEY GENERAL COMPLAINTS AND CALIFORNIA CONSUMER PROTECTION AND XXXX COMPLAINTS about ( FRAUDULENT ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733 . ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXEQUIFAX/XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumerreporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & LastName 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.
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12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is the information which is fraudulently being reported by all three of the major credit reporting agencies I have filed to FTC reports to XXXX reports a state attorney general report containing all of the fraudulent things that are on my consumer report as you will see here Ive detailed the misspellings of my name multiple times with XXXX, Equifax and XXXX XXXX. You will also see inside of this report as well as all of the fraudulent addresses that are on my consumer report. I have reached out to them multiple times asking them to clarify I had to look into and validate and verify all of the things that are on my consumer report but continuously, they violate my rights they use my Social Security number they report things without permissible purpose they violate my privacy. Here is all of the things in which has been reported on my consumer report by XXXX first, you will see then XXXX XXXX, then Equifax, all of the fraudulent accounts that are negative that were wrapped up by criminals and theyre reporting to my Consumer Reports. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt in response to your recent claim that the items listed in this report contains COLLECTIONS /CHARGEOFFS/LOANS. And all UNAUTHORIZED INQUIRIES Yet again, you have failed to provide me with a copy of any viable evidence from these banks and the fraudulent use of my identity in connection with these items that you are reporting that you are reporting are a direct violation of FCRA Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at ( Name of Bank ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( Name of Bank ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting.
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of California Attorney General 's office, should you continue in your non-compliance? I further remind you that, as in Wenger v.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.
( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ).
Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( Debt Collector Name ) into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud.
If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
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08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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my name is XXXX XXXX XXXX reached out to XXXXdispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX EQUIFAX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15 , US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site EQUIFAX XXXX/then, you must immediately inform them this ALLEGED debt is in dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED Equifax,, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX Equifax ) CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXEQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by EQUIFAXXXXXinto the XXXX FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data byEQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT Failure to remove FRAUDULENT INQUIRIES in 15 days from my consumer report as requested will result in -legal matters being taken and me turning you ( EQUIFAX XXXX ) into the ( FTC ) Federal Trade Commission for ( aggravaled identity theft ) and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to TRANUNION/EQIUIFAX and this letter may be tendered as evidence of failure to comply ) ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT CONTINUE TO REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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10/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I disputed XXXX account XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX account XXXX XXXXXXXX on XX/XX/XXXX, XX/XX/XXXX through the CFPB. Care was not taken into this matter as it has yet to be resolved in a manner that is fair and equitable to me, the consumer, per the FCRA regulations. I explained the violations your agency is committed under the FCRA.
Inaccurate and incomplete information.
*The account status is closed but XXXXXXXX is not reporting a closed date. Incomplete information.
XXXX is reporting no payment activity for XXXX XXXX, XXXX XXXX, XXXX XXXX but showing payment activity before and after these dates. FCRA violation.
XXXX XXXX is still reporting XX/XX/XXXX for date of last activity while XXXX was reporting XX/XX/XXXX. FCRA violation.
XXXX XXXX is reporting nothing for closed date for the account. The account is closed according to a statement I have directly from XXXX XXXX. This is incomplete information.
I explained the violations your agency is committed under the FCRA, while informing your agency these items were reported without my expressed written consent violating the permissible purpose section of the FCRA. This leads to the way of identity theft, violating the block of information resulting from the identity theft section, which leads to a violation of the civil liability section of the FCRA. Your agency has clearly refused to follow the law and to honor my previous request so I am requesting a reinvestigation and demanding your agency explain your method of verification in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in case of disputed accuracy section. 15 USC 1681i ( 7 ) which states : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
The law clearly states : Shall is an imperative command, usually indicating that certain action are mandatory, and not permissive. This contrast the word may, which is usually used to indicate a permissive provision, ordinarily implying some degree of discretion.
This means that the term shall is a term that states something is mandatory and I am demanding an adequate answer no later than 15 days or these items must be deleted.
I have suffered emotional distress as a result of this matter and I have been XXXX and XXXX as a result so I demand that this matter be resolved in a fair and equitable manner, which still hasnt been done.
A consumer report is defined as the following under the FCRA ( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Its important the items above have not mentioned the use of FICO which is literally the scoring system used by your agency to judge me as a consumer. FICO is not included in the consumer report and is a factor your agency has taken upon themselves in the role your agency has assumed, per the Fair Credit Reporting Acts congressional findings section which states the following : ( a ) Accuracy and fairness of credit reporting Congress make the following findings.
3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Because consumer reporting agencies like your agency have ASSUMED the vital role, Congress explained how it important to respect the right to privacy as stated in the following : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Furthermore, its important to be aware if the Fair Credit Reporting Acts exclusion section in my explanation on HOW and WHY these items should be deleted. The exclusion section says the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The FCRA explains clearly that both transactions and experiences between the consumer and person making the report are to be excluded or not included on a consumer report. I am the consumer and a person is defined as the following under the FCRA : person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
The term person includes both your agency and any entity thats reported as the furnisher of the information that appears on my consumer report. Essentially, all the items I am disputing fall under this category of what is to be excluded from my consumer report.
Im suppose to get 3 disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Equifax and XXXX are non affiliated third partys and this privacy notice states that the consumer can not limit ( opt out ) their information for being shared to a credit bureau. This is breaks federal law and is fraudulent activity.
XXXX and XXXX XXXX privacy notices do not allow the consumer to fully exercise disclosure B under the law making this fraud and without proper consent the FTC states that is identity theft.
18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information Again the items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : These accounts are related to a transaction and experiences that falls under the EXCLUSION section or the FCRAs definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identify theft ( as defined by the Federal Trade Commission ), and the account shall be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instruction to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. I demand you delete this item from my consumer report.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
In addition, your agency has violated my consumer rights and violated federal law under the permissible purpose section ; theres proof in 15 usc 1681b ( 2 ) of the FCRA which is listed below ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.
I clearly did not give your agency written permission or written instruction to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained detention of my character, just to name a couple of damages should this matter escalate to court.
I am distressed that you have included information below into my consumer file and that you have failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports you publish, which is a violation of the FCRAs compliance procedures section, 15 usc 1681e ( b ).
I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are fraud that I did not authorize.
The FCRAs block of information section ; 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Again, I have provided all 4 pieces of information and I expect these listed accounts above to be blocked and deleted within 4 business days of your receipt of this notice, otherwise you are in violation of my rights under the FCRA once again.
If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receipt of this notice per 15 usc 1681c-2 and inform me of your method of verification per 15 usc 1681i ( 7 ), as my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter end up in court.
I have suffered emotional distress and as a result of this matter and I have felt XXXX as a result. Therefore, I am compelled to escalate this matter and request a fair and equitable resolution through arbitration, per Equifax arbitration agreement.
Despite my previous communication efforts regarding this topic, this matter has not been adequately and fairly resolved as the FCRAs congressional findings section honors.
I am aware that under Equifax arbitration agreement that Equifax is responsible for paying the filing fees. However, considering the substantial cost associated with the arbitration process, I am providing XXXX with an opportunity to avoid these expenses altogether.
Delete this item and issue me a new, updated consumer report Thanks, XXXX XXXX. XXXX
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01/15/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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DEAR EQUIFAX YOU SAID YOU VERIFIED THESE ACCOUNT 'S SHOW ME PROOF OR REMOVE. PLEASE REMOVE THESE ACCOUNT BECAUSE THEY COME FROM IDENITY THIEF PLUS EVERY YEAR IRS REQUIRE FOR TAXES PURPOSES EVERY COMPANY HAS TO FILE A IRS TAXES AND WHEN THEY DO THEY PUT GAINS AND LOSES AND HAS TO FILE A 1099-C WHEN CREDITOR 'S DON'T PAY AND WHEN THAT HAPPEN THE LAW SAY 'S XXXX debt was canceled or forgiven AND canceled debt counts as income. IT ALSO SHOW THAT THIS AMOUNT WAS STILL ADDING CHARGES WHILE THE ACCOUNT IS CLOSED THAT IS AGAINST THE LAW.A ) IN GENERAL. -- If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
802. Congressional findings and declaration of purpose ( a ) Abusive practices. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( XXXX ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.The term consumer means an individual. ( XXXX ) Exclusions.the term consumer report ( does not include ) ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request.What Is Form 1099-C : Cancellation of Debt? Form 1099-C ( entitled Cancellation of Debt ) is one of a series of " 1099 '' forms used by the Internal Revenue Service ( IRS ) to report various payments and transactions, excluding employee wages. Lenders and creditors must send a 1099-C to the IRS and to borrowers if $ debt was canceled or forgiven AND canceled debt counts as income. If you receive Form 1099-C, you must report the amount on your income tax return on the " Other income '' line of your Form 1040 or 1040-SR. Note that you must include the canceled debt in your income even if its less than {$600.00} and you dont receive Form 1099-C.2 UNDER 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) by law.
UNDER 15 USC 1692J 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
AND ALSO UNDER USC 1692K 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector.
809. Validation of debts ( a ) Notice of debt ; contents. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of thedebt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such 15 USC 1692g 12 809 15 USC 1692g verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a fradulent account.I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. I Demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$670.00}, - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX CA XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Page 12 of 14 XXXX XXXX XXXX On Next Page ) XXXX Company Information Inquiry Date ( XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX XX/XX/XXXX. The information I disputed has been verified as accurate ; >Please remove all non-account holding inquiries over 30 days old.
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03/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Please note references attachments, and evidence of support for each point are cited in letters and in { } Even though this is a very complex situation I will try to explain it in the best way that I can. Equifax has 3 public records and several accounts on my credit file that are displaying incorrect information. { a } Equifax claims that these records have been verified by their 3rd party vendor XXXX XXXX. { b } FCRA 611 ( 2 ) ( A ) ( B ) States Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer.
( B ) Provision of other information from consumer. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). Is XXXX XXXX the original furnisher of information? Was the court listed ever contacted? If so at what address? What was their response?
A 3rd party can not legally verify information as they are not the original furnishers of information. In fact the article published by the Consumer Financial Protection Bureau XXXX XXXX and Processes in the US Credit System { c } ( XX/XX/XXXX ) state in section 7.4 states that XXXX XXXX ( XXXX ) does not verify the content of the underlying public record as accurate or determine if an XXXX appropriately linked the record to a consumer. In the case of public records, the NCRAs retain responsibility for determining whether a public record should or should or not be attached to a consumers file. { d } However my dispute results state verified and even give a date. Verified by whom might I ask? information from 3rd parties is bound to possibly contain errors and incorrect information and could very easily end up reporting incorrectly when the original source is not being used for verification. As in this case each address for the 2 courthouses listed are inaccurate. I conducted a quick search on UScourts.gov to verify that the addresses they were using for the courthouses were actually the wrong ones. { d, e } I have initiated over 25 disputes to Equifax over the past 365 days. { f } My credit report is still not reporting with maximum accuracy. Equifax has known for quite some time that the public records contain incorrect information however they just keep updating it as verified and pushing the blame on XXXX. I ordered a report from XXXX and the report they sent me varies greatly from the information that Equifax claims was verified to them by XXXX. I am unaware as to how Equifax is verifying these public records through XXXX when my file there has been on a { g } security freeze since XX/XX/XXXX and I chose to { h } opt out and suppress my files on XX/XX/XXXX due to identity theft issues. How was Equifax able to even obtain this information from XXXX? XXXX XXXX does not verify information and and when contacted for information they respond in 3 ways 1 status changed 2 status unchanged 3 unable to verify but never do they verify information. Equifax needs to provide to me the information and documents used to substantiate their records. So to break down each inaccuracy 1. Bankruptcy XXXX - case number is incorrect, liabilities, asset amount, and exempt amount are unlisted and represented by a dash ( - ) making the listing incomplete. Court name which defers on the mailed copy vs the electronic copy of Equifax file are both are incorrect or incomplete electronic report names court as ( XXXX XXXX BK CT ) and mailed report names it as ( US Bankruptcy Court- XXXX XXXX ) and neither mention the district of the court. XXXX XXXX has a different address on their records making it difficult to believe they verified the information as accurate. In fact the address they have listed is also incorrect and is a post office box. Courthouse address listed as XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX on Equifax credit report is incorrect. XXXX XXXX states on their reports that the address is ( XXXX. XXXX XXXX XXXX XXXX, IA XXXX ) which is also incorrect. The true and correct address is actually XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX. Equifax asserts they verified this information with XXXX XXXX on XX/XX/XXXX. The courts state it has never verified this to anyone including XXXX XXXX or Equifax. Equifax needs to provide proof of this claim and provide what information they received from XXXX XXXX as verification { d, i, j, } 2. Bankruptcy XXXX case number is incorrect, liabilities, asset amount, and exempt amount are unlisted and represented by a dash ( - ) making the listing incomplete. Court name which defers on the mailed copy vs the electronic copy of Equifax file are both are incorrect or incomplete electronic report names court as ( XXXX XXXX BK CT ) and mailed report names it as ( US Bankruptcy Court- XXXXXXXX XXXX ) and neither mention the district of the court. XXXX XXXX has a different address on their records making it difficult to believe they verified the information as accurate. In fact the address they have listed is also incorrect and is a post office box. Courthouse address listed as XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX on Equifax credit report is incorrect. XXXX XXXX states on their reports that the address is ( XXXX. XXXX XXXX XXXX XXXX, IA XXXX ) which is also incorrect. The true and correct address is actually XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX. The courts state it has never verified this information to anyone including XXXX XXXX or Equifax. Equifax in their own words states they have never verified this even though its been disputed several times. Date verified says N/A. { a, d, i, j, k, } 3. Bankruptcy XXXX case number is incorrect, liabilities, asset amount, and exempt amount are unlisted and represented by a dash ( - ) making the listing incomplete. Court name is incorrect and defers from electronic report vs mailed report. ( US Bankruptcy Court- XXXX ) mailed copy ( XXXX XXXX BK CT-XXXX ) electronic copy. There is no Federal court that exists located in XXXX, XXXX . Courthouse address is incorrect and no bankruptcy court is located here ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) and neither mention the district of the court. Phone number listed on Equifax records XXXX is incorrect. The number when called is actually disconnected. XXXX XXXX is listing the correct phone number and address of the court which is XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX So once again how was this verified to Equifax when their records clearly state something different. Equifax claims they verified this with XXXX XXXX on XX/XX/XXXX. The courts state they never verified this to anyone including XXXX XXXX or Equifax. Equifax needs to provide proof of this claim and provide what information they received from XXXX XXXX as verification. Also Equifax has stoped me from disputing this item any further by keeping it in a dispute status since at least XX/XX/XXXX. As of the date of this complaint it is still being listed as under investigation from previous dispute. { a, e, L, m, w } Since these public records have already been disputed and still list inaccurate and incomplete data I am requesting they be removed from my credit file immediately pursuant to FCRA Section 611 ( 5 ) ( A ) ( i ) ( ii ) which states states If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Also note the original furnisher of information was never contacted for verification neither were they notified of any modifications. { n } Disputed Accounts Listed accounts have been previously disputed and still list inaccurate and/or incomplete data 1. XXXX XXXX XXXX balance, actual payment amount, Date of Last payment, past due amount, scheduled payment amount, date of last activity, term duration, date closed, loan type, creditor classification, account type, credit limit, high credit, amount past due, months reviewed, activity designator, charge off amount and term frequency are all unlisted and instead represented by a dash ( - ) instead of a dollar amount or correct wording/terms making the listing incomplete and inaccurate.Account owner states individual not the actual owner of this account. Creditor address is incorrect. Equifax lists XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX address is XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX XXXX XXXX official website ). Letter from XXXX dated XXXX says they verified the correct information to Equifax and it is still reporting incorrectly. { o, o2, p, s } 2. Macys- balance, actual payment amount, Date of Last payment, past due amount, scheduled payment amount, date of last activity, term duration, date closed, loan type, creditor classification, account type, credit limit, high credit, amount past due, and charge off amount are all unlisted and instead represented by a dash ( - ) instead of a dollar amount or correct wording/terms making the listing incomplete. Months reviewed is inaccurate ( 46 ), date of first delinquency is inaccurate, creditor phone number is inaccurate ( routed to a chat line on XX/XX/XXXX ) { q, r, r2 } 3. XXXX XXXX XXXX creditor name inaccurate balance, actual payment amount, past due amount, scheduled payment amount, date of last activity, date of last payment, date closed, loan type, creditor classification, account type, credit limit, high credit, amount past due, activity designator, charge off amount, term duration, and term frequency are all unlisted and instead represented by a dash ( - ) instead of a dollar amount or correct wording/terms making the listing incomplete and inaccurate. Months reviewed is inaccurate ( 46 months ) which would mean the account began to be reviewed in XX/XX/XXXX. Date of XXXX delinquency XX/XX/XXXX is greater then date of major delinquency XX/XX/XXXX. No phone number is listed for creditor. { t, u, u2 } 4. XXXX XXXX balance, actual payment amount, past due amount, scheduled payment amount, date of last activity, date of last payment, date closed, loan type, creditor classification, account type, credit limit, high credit, amount past due, activity designator, charge off amount, term duration, and term frequency are all unlisted and instead represented by a dash ( - ) instead of a dollar amount or correct wording/terms making the listing incomplete and inaccurate. Months reviewed is inaccurate, Date of first and major delinquency is inaccurate. { v, v2 } Since these accounts have been previously disputed and still display inaccurate and or incomplete credit information I request they be removed in their entirety immediately from my credit file pursuant to FCRA Section 611 ( 5 ) ( A ) ( i ) ( ii ).
Negligent and willful noncompliance by a Credit Reporting Agency carries hefty fines and penalties.
XXXX ( XXXX ) does not verify the content of the underlying public record as accurate or determine if an XXXX appropriately linked the record to a consumer. In the case of public records, the CRAs retain responsibility for determining whether a public record should or should or not be attached to a consumers file.
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11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX ( XXXX ) XXXX phone XXXX XXXX XXXX XXXX XXXX CA XXXX All three credit bureaus violated my federal rights that are federally protected by law under the Fair Credit Reporting act that states that I have a right to privacy, right to accurate and truthful reporting of my data, under the preference that what is reported will and has affect my life. Inaccurate or wrong information reported has and will Cause my life to be negatively affected and in accordance to the law I am protected from such acts. These bureaus are and will be held to higher standards when dealing with the public, keeping in mind the possible implications this could have in a person 's life. The fact that errors wether intentional or not have a very unique effect on some ones life makes upholding these laws a matter of protecting ones constitutional rights, the rights to be an XXXX. The bureaus violated these rights and laws put in to place by XXXX when they, reported false or inaccurate information on behalf of XXXX XXXX XXXX negatively impacting not just a credit score but the life style of an American citizen and such an act should not be taken lightly. A second chance to correct error that misrepresented and still misrepresents underlined citizen and the damages done and can not be taken back. What should be done is immediate action to have the bureaus correct there Inaccurates and hope that XXXX XXXX XXXX will be able to over look what damage has been done and be willing to accept the apologies of both the bureaus and the government entity that is in charge of over looking these bureaus to prevent such a thing from happening. The fact that it happened and was only noticed by the client XXXX XXXX XXXX and not by any of the againts in place with there safety procedures until now is a fact that change to the procedures of the bureaus and there governing bodies is not a matter of choice but a matter of urgency to protect the public from mishappens from according again. Resolving this matter will be a step in the right direction for all party 's involved with this matter. XXXX XXXX has the right to privacy and the right to be represented with accurate information and contesting these rights would be an act of treason against the XXXX People. I know this organization has the power to correct the underlined error. Unfortunately they are not able to award financial relief for the damage that this has caused XXXX and his family. We have included a list of law pertaining to this case. Also underlined will be the list of accounts that have been misrepresented in XXXX way or another for XXXX or more of the listed reason. 1 ) client does not have a actual real account with company, 2 ) client did not open account, 3 ) fraudulent account, 4 ) incorrect information on account inclding, A ) posted date B ) opened account date C ) debt owed D ) debt repaid E ) balance still remaining 5 ) Account number 6 ) deity name or address 7 ) date of transfer to new collection agency 8 ) inaccurate information A ) name of client B ) and of collecting agency 9 ) incorrect address or not listed address of collecting agency 9 ) B ) or of client 10 ) incorrect payment information including payments and amounts date time and amounts 11 ) incorrect or not listed names on account inclding collecting agency. 12 ) incorrect or missing address of collecting agency also included clients address missing or incorrect 13 ) no communication with client 14 ) collecting agency missing contact address and number or incorrect 15 ) false account and or error on amount owed or paid 16 ) rejection of documents supporting information to be reported on report 17 ) misleading or missing information on client 18 ) violating F.C.R and laws protecting the public 19 ) missing supporting documents 20 ) missing proof of debt 21 ) none or lack of supporting documents that debt exists 22 ) violation of privacy laws by not doing there do diligence when handling clients underlined case The public has the the right to have these credit bureaus to abide by these laws and procedures. If not proper measure 's should be taken immediately. List of laws that were violated listed below.
15 U.S. Code 1681 - Congressional findings and statement of purpose The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Section 1681subsection 602 ,604, c85 1681 S2, S2 1681 S2, C85 15 U.S.C. 1681-1681x 603 - 15 U.S.C. 1681a 1 601. Short title This title may be cited as the Fair Credit Reporting Act.
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures. It is the purpose of this title to require that con- sumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal character- istics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consum- er report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the op- portunity, before the time that the information is initially communicated, to direct that such information not be com- municated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indi- rectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 1 Should be read as ( o ) or ( y ) because section 603 ( x ) was re-designated as 603 ( y ) in 2010 by the CFPA.
NOTICE TO USERS OF CONSUMER REPORTS : OBLIGATIONS OF USERS UNDER THE FCRA The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal obligations. State law may impose additional requirements. The text of the FCRA is set forth in full at the Consumer Financial Protection Bureaus ( CFPB ) website at www.consumerfinance.gov/learnmore. At the end of this document is a list of United States Code citations for the FCRA. Other information about user duties is also available at the CFPBs website. Users must consult the relevant provisions of the FCRA for details about their obligations under the FCRA.
The first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations. If you are a furnisher of information to a consumer reporting agency ( CRA ), you have additional obligations and will receive a separate notice from the CRA describing your duties as a furnisher.
I. OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS A. Users Must Have a XXXX XXXX XXXX has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 of the FCRA contains a list of the permissible purposes under the law VIII. LIABILITY FOR VIOLATIONS OF THE FCRA Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619.
The Fair Credit Reporting Act is in full support of the American People and will not be broken or bent for corporates to steal the rights away from the people of this great country Accounts that are compromised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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11/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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A Debt validation letter was sent to the company and they provided insufficient information to validate the debt. A dispute was made to the the company via certified mail as well as with the credit reporting agencies. The company in question made a response that they would provide me with further information and are changing information on my credit report as to buy more time as the debt being validated. They can not produce the information in the timely manner as reflected in the FDCPA. Also changing incorrect information with to reflect how they want things reported on my credit report as validated can be considered a violation of the FDCPA & FCRA. Also this company has violated XXXX XXXX reporting acts as well as UCC. They are past their time bared period and this blatant defamation could result in fines and damages per each violation of the FDCPA. They have also contacted my family members of this debt in the past not to acquire a location, but to discuss the debt in question and a record has been kept by XXXX XXXX, XXXX XXXX and others they have reached out to this is a violation of the FDCPA 804. Acquisition of location information ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
After numerous attempts to rectify what is is inaccurate reporting they continue to report unvalidated erroneous information on my credit report as validated. A certified letter has been sent to inform me as to how they validate my debt and no response has been given. They have numerous occasions either changed/corrected their errors on my credit report instead of removing the erroneous information that has been reported. Pursuant to the FDCPA 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
15 USC 1692h These items MUST be removed from the credit reporting agency since the initial 30days time limit has expired and this company should not correct the information to further report erroneous information. If it was false at the time of the initial validation the the item should be removed not corrected. This would be a conflict of interest between lenders, consumers and credit reporting agencies and steps should be taken to allow consumers to have faith and fairness in credit reporting agencies and lenders.
I have attached all copies of what has been sent to the XXXX XXXX XXXX XXXX XXXX of XXXX an my complaint is also a timestamp as to the 15 days that you have to provide me with all the information request to validated my debt appropriately.
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06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Creditors failed to disclose vital information from me, and this is a violation. Per 16 CFR 433.2 Preservation of consumers claim and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ 40 FR 53506, XXXX. XXXX, XXXX ; 40 FR 58131, XXXX. XXXX, XXXX ] The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e XXXX Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
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09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Part A : Provide a brief description of the complaint including dates and the names of those you dealt with.
( Do not include any personal information such as account number or social security numbers. ) On XX/XX/2020, I had filed a formal compliant with the Consumer Financial Protection Bureau ( CFPB ) and, I was assigned by the CFPB complaint number as, XXXX. After, I had discovered onto my Equifax Information Services LLC ( Equifax ) Credit File Account in the Soft Inquires category or section with an ascribed abbreviation word as, XXXX doing business as, XXXX XXXX XXXX XXXX ( XXXX XXXX ) had unlawfully accessed my frozen Equifax Credit File Account dated on XX/XX/2020 without my legal authorizations, consents, acknowledgements, or knowingly and willfully participations into a said fictitious notarized instruments in order for XXXX XXXX to unlawfully distribute to any consumers a XXXX XXXX VISA debit cards using my Personal Identifiable Information ( PII ). In which, I had not applied for any XXXX XXXX VISA products applications online using their web application ( XXXX ). See Exhibit A.
On XX/XX/2020, I had received a letter from XXXX XXXX XXXX. ( NMLS # XXXX ) by way of the United States Postal Service ( USPS ) mailed delivery letter placed into my residential mailbox, XXXX, in response to my CFPB complaint associated with my CFPB assigned number ( XXXX ) from XXXX XXXX who is a Certified Regulatory Compliance Manager ( CRCM ) and, a Certified Anti-Money Laundering Specialist ( CAMS ) from a working job title as, Compliance Officer. And, Ms. XXXX contextualized content of her letter including her telephone communication with me at approximately from XXXX XXXX to XXXX XXXX was not well-defined in explaining XXXX XXXX XXXX. formal legal relations to the second ( XXXX ) enclosed letter from XXXX XXXX is as follows : XXXX XXXX is in receipt of your complaint. Please see the attached response. See Exhibit B.
And, the second ( 2nd ) enclosed letter from XXXX XXXX had stated : XXXX XXXX XXXX XXXX. ( XXXX XXXX ) has no record of Ms. XXXX in our system of record. Further, XXXX XXXX does not perform soft or hard inquiries of credit as part of its business operations. It is XXXX XXXX belief that the XXXX that appears on Ms. XXXX credit report is a company that was acquired by XXXX, the credit reporting agency. When contacted directly by Ms. XXXX on XX/XX/2020, we informed Ms. XXXX of this confusion and suggested that she contact XXXX to resolve the matter ; written by XXXX XXXX who is the Vice President, General Counsel and Chief Compliance Officer ( CCO ) of XXXX XXXX. See Exhibit C.
In the XXXX XXXX letter written by Ms. XXXX had under mindedly and intentionally applied with an extraordinary cruel and unusual conspiratorial objectives in using the wrong Credit Reporting Agency legal name as, XXXX Inc ( XXXX ) instead of Equifax legal name when I had officially documented onto my original complaint to the CFPB who had addressed my complaint to XXXX XXXX in regards to Equifax who had ran XXXX, short abbreviation as a soft inquiry onto my [ frozen ] Equifax Credit File Account unlawfully dated on XX/XX/2020 is a sign of fraudulent activities concealment and identity thefts coverup between XXXX XXXX and XXXX XXXX XXXX. who [ m ] had used my PII, or XXXX XXXX and XXXX XXXX XXXX. had allowed an assailant [ s ] to subscribed by a fictitious names and forge [ d ] my signature [ s ] onto a notarized instrument [ s ] by ways of a [ n ] Power of Attorneys and [ or ] Affidavits. And, the [ se ] assailant [ s ] had executed the [ se ] instrument [ s ] without my authorizations, consents, acknowledgments, or knowingly and willfully participations into a said Equifax access [ es ] to my [ frozen ] Equifax Credit File Account using my PII and [ or ] forged and fraudulent notarized instruments.
Furthermore, on or about the same time of reference dated on XX/XX/2020, I had difficulty logging into my XXXX Credit File Account at approximately XXXX XXXX and, I had contacted XXXX telephone representative at XXXX in regards to why I could not log into my online XXXX Credit File Account. After, I had explained to the XXXX telephone representative then I was suddenly connected from our call then I had call XXXX telephone representative, again. This time, I was connected to the XXXX telephone representative name, XXXX at approximately XXXX am dated on XX/XX/2020 and, I had explained to XXXX ( the XXXX telephone representative ) in regard to my login XXXX Credit File Account problem. And, our communication lasted approximately twenty-three ( 23 ) minutes and, on this day, XX/XX/2020 when XXXX XXXX had unlawfully run my Credit File Account. However, I am not exactly sure, which Credit Reporting Agencies had compromised or breached my Credit File Accounts either Equifax or XXXX, or both who [ m ] had unlawfully ran the XXXX short abbreviation onto my Credit File Account dated on XX/XX/2020. Whether XXXX unlawfully unlocked and ran my [ frozen ] XXXX Credit File Account then XXXX short abbreviation had shown up onto my Equifax Credit File Account, as a soft inquiry, or Equifax unlawfully unlocked and ran my [ frozen ] Equifax Credit File Account then XXXX short abbreviation had shown up onto my Equifax Credit File Account, as a soft inquiry.
In addition, another strange incident or event had occurred in the month of XXXX and, in the year of 2020, after, I had applied for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card online application from their XXXX website. And, I had been denied a XXXX XXXX XXXX credit card from the XXXX XXXX for : No undisputed tradelines exist with a status date or a balance within the last 6 months, dated on XX/XX/2020. So, I had decided to apply for an XXXX XXXX XXXX XXXX XXXX credit card, again, in XXXX of 2020 because I had been told by the XXXX XXXX XXXX representative. After, I had been denied on XX/XX/2020 that XXXX XXXX process consumer online application using two ( 2 ) out of the three ( 3 ) Credit Reporting Agencies in order to determine consumers credit worthiness. So, in XXXX of 2020, I had applied online for an XXXX XXXX XXXX XXXX XXXX credit card, again and, I had unlocked only my two ( 2 ) out of the three ( 3 ) Credit Reporting Accounts, as I was told from my communication with an XXXX XXXX XXXX Representative dated on XXXX XXXX. As, I am applying for the XXXX XXXX XXXX XXXX XXXX credit card online, I had contacted the XXXX XXXX XXXX representative to ensured my XXXX XXXX XXXX XXXX XXXX credit card online application goes smoothly during the XXXX XXXX online process. Well, I had been told by the XXXX XXXX XXXX representative in which, I needed to unlock my third ( 3rd ) Credit Reporting File Account in order to be approved for the XXXX XXXX XXXX XXXX XXXX credit card. However, I do believe it was XXXX XXXX File Account, I had unlocked but I am not too sure, which of the three ( 3 ) Credit Reporting File Accounts, I had unlocked last because someone had unlawfully trespassed against my apartment unit ( XXXX ) and, stolen all my XXXX XXXX online application supported printouts, mailed documentation from the XXXX XXXX sent by way of the USPS and deleted all of my XXXX XXXX PDF files saved onto my USB associated with my online XXXX XXXX Application for no apparent reasons. Please keep in mind, I am an XXXX XXXX ( XXXX ) and, I had experienced onto my XXXX Credit File Account from my first ( 1st ) XXXX XXXX online application was only process once dated on XX/XX/2020, onto the inquires alert notification section of my XXXX Credit File Account but someone possibly a XXXX employee [ s ] and [ or ] affiliate [ s ] had recently changed, manipulated or altered my actual online XXXX Credit File Data from the server-side web application. In order to hard code onto my second ( 2nd ) XXXX XXXX online application processed on XXXX of 2020, masked or overwritten, as XX/XX/2020 date, as if, my XXXX XXXX online application had been processed on a multiple attempts ( four ( 4 ) times ) from XXXX of 2020 date to XX/XX/2020 date manipulations when I had applied for an XXXX XXXX XXXX XXXX XXXX credit card applications for a second ( 2nd ) time and, I had been denied an XXXX XXXX XXXX XXXX XXXX credit card in XXXX of 2020.
Now, I am extremely suspicious that there may be an XXXX XXXX XXXX XXXX XXXX credit card [ s ] or any other XXXX XXXX products distributed unlawfully as a [ n ] public domain and [ or ] open source credit/debit cards issued to the [ se ] assailant [ s ] using my PII without my authorizations, consents, acknowledgments, or knowingly and willfully participations into a said XXXX XXXX conspiracies against my Equifax and [ or ] XXXX Credit File Accounts. In a non-compliance disclosure violation in accordance with the Fair Credit Reporting Act ( FCRA ) onto my Credit File Accounts. In order to conceal identity theft acts and activities similar to XXXX XXXX assailant [ s ] who [ m ] had subscribed by a fictitious names and forge [ d ] my signature [ s ] onto a notarized instrument [ s ] by ways of a [ n ] Power of Attorneys and [ or ] Affidavits for a XXXX XXXX VISA prepaid debit card [ s ] applied against my Credit File Accounts details used for assailant [ s ], as an approval process. When, I am the authentic person who had [ have ] suffered extreme serial harassments and privacy rights problems on a continuous violations doctrine from a scientific law application in those analyzes and interpretations of the law have shown I have experienced a XXXX of justice. After, some Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] with a malice aforethought in premeditated criminal intents because I do not conform to XXXX XXXX appearances, XXXX XXXX, or stereotypes against my traditional gender norms should look or behave. And, I had been denied using my authentic online application [ s ] because he or she knowingly and willfully knew the [ se ] assailant [ s ] were not the original persons by allowing me to be denied any credit card [ s ] and [ or ] mortgage approval opportunities inconspicuously because the [ se ] assailant [ s ] held those credit/debit card [ s ] using my legal name and PII. In order to allowed assailant [ s ] to received credit/debit card [ s ] and [ or ] mortgage approval opportunities had unlawfully used my Credit File Accounts details. After, I had been denied, as being the original person then some of the [ se ] Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] had changed, manipulated or altered my Credit File Accounts details in order to conceal any credit/debit card [ s ] and [ or ] mortgage approval inquiries from a forged and fraudulent activities that should have been shown onto my Credit File Accounts details. In a non-compliance disclosure violations than I am credit worthy oppressed, disenfranchised and disproportionately affected from credit opportunities due to some of the [ se ] Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] had intentionally allowed an assailant [ s ] to commit identity thefts, aiders and abettors, false impersonations, or inconspicuously let the [ se ] assailant [ s ] to take over my Credit File Accounts by ways of credit/debit card [ s ] forged and fraudulent activities concealments not documented onto my Credit File Accounts details on the basis of what a person thinks of me and, some of the [ se ] Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] had deleted or hidden those credit/debit card [ s ] and [ or ] mortgage approval applications from my Credit File Accounts details. In order to conceal foul play and identity thefts against my Credit File Accounts details in a hidden agenda to be use as a [ n ] public domain and [ or ] open source for the [ se ] assailant [ s ].
|
06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Creditors failed to disclose vital information from me, and this is a violation. Per 16 CFR 433.2 Preservation of consumers claim and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such loan contains the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ 40 FR 53506, Nov. 18, 1975 ; 40 FR 58131, Dec. 15, 1975 ] The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
|
06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Creditors failed to disclose vital information from me, and this is a violation. Per 16 CFR 433.2 Preservation of consumers claim and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ 40 FR 53506, Nov. 18, 1975 ; 40 FR 58131, Dec. 15, 1975 ] 15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
|
06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
1
5 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Creditors failed to disclose vital information from me, and this is a violation. Per 16 CFR 433.2 Preservation of consumers claim and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ 40 FR 53506, Nov. 18, 1975 ; 40 FR 58131, Dec. 15, 1975 ] The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
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03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and consumer reporting agency Equifax below has violated my federally protected consumer rights to privacy and confidentiality under the Privacy Act of 1974. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act and Privacy Act of 1974. I acquired my recent credit report and I asked the credit bureaus to make sure everything was complete and accurate according to 12 CFR 1022.41 and 16 CFR 313.7 Form of opt out notice to consumers. 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. According to the FCRA 1.4.3 Cancellation of Debt and Taxes and 26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities In some cases, consumers may be able to negotiate to reduce or eliminate an outstanding debt. Creditors and debt buyers that cancel or forgive a debt ( or portion of a debt ) must file an information Form 1099-C with the Internal Revenue Service by March 31 of the following year, and must also send a copy to the consumer. The principal of a cancelled or forgiven debt is generally considered taxable income to the consumer., although there are several important exceptions, including when the consumer disputes the debt Per 15 USC 1666a Regulation of credit reports, 15 USC 1666b- Timing of payments, 31 CFR 29.518 - Reporting delinquent debts to credit bureaus, 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. Per the FCRA CHAPTER 8 PRIVACY SAYS and 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report The term consumer report does not include : Any report containing information solely about transactions or experiences between the consumer and the institution making the report. Equifax are not reporting the correct and accurate information to my credit file correctly and there are serious discrepancies with which my account is being reported. I waited 30 days or more since then and received my investigation and noticed everything was still the same the consumer reporting agencies. Equifax did not modify or remove anything. I have the right to privacy per the privacy act of 1974. The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals from the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. I Have the right to opt-out of any and all reporting to my report. I was never given a opt-out notice that was clear and conspicuous from Equifax under 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 16 CFR 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; Equifax have this opt-out option in their available. It also states that they will not share my information with nonaffiliates or affiliates in their contracts. This is my information that they are sharing without my being given the opportunity to opt-out which is with in my right as a consumer. Equifax as well is taking advantage of me in the same way. Since This charge off is adversely affecting my credit by being reported under the VIOLATION of my rights. reporting incorrect across all XXXX credit reporting agencies XXXX, XXXX, Equifax, XXXX XXXX, and XXXX XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The date open is not correct, the date last active is not correct, date of last payment is not correct on all 3 reports. 15 U.S. Code 1681e - Compliance procedures- to have maximum accuracy when reporting to a consumers report. All the reporting agencies are reporting inaccurate dates and amounts on my consumer reports. Some reports have more transactions reporting than others. That wrong as well as the reporting agencies are reporting CO charge off every month which is inaccurate that is re-aging the debt making it seem newer than it is. All late payments must be updates to paid. You can not charge off a debt every month or report late payments by this law that is very inaccurate and this is re-aging the debt to make it seem as if it happened this month when the certificate of indebtedness, which now means it is income and can no longer report on my credit report without the account status being updated to paid as agreed and all payments and balances be updated to zero under the law. DELETE THIS ACCOUNT IMMDEIATELY AND INDEFINITELY It is not reporting correctly as the law says in maximum accuracy per 15 USC 1681c-2 subsection ( b ) Accuracy of report-Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Which is a violation. This is impacting me from buying a house for my family. I am a single mother being Violated and disregarded and the laws are being disregarded as well. Someone needs to be held accountable for this. This is very frustrating for me XXXX is not doing their job according to the law. The law clearly states that it is illegal under 15 U.S. Code 1681 to report transactions every month ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeunder subsection A section 1681s-3 of this title says the Equifax can not report containing information solely as to transactions or experiences between the consumer and the person making the report ; Which mean Equifax is not allowed to report my transactions from any financial institution without my permission. It is not to be reported on. Transactional history is not to be reported. The C/O that is being reported every month is illegal because you can only charge off an account within the first 6 months according to the FCRA AND 26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities because it is a certificate of indebtedness. Once it is charged off or close out is now A certificate if indebtedness which is income. Once the debt becomes Income can NOT be reported to my credit report which XXXX has failed to make sure that this account is reporting correctly. All the months need to be updated to paid as agreed and all balances updated to XXXX. ALL LATE payments AND C/O REPORTINGS FOR HISTORICAL TRENDED DATA, TRANSACTIONAL HISTORY, MINIMUM BALANCES, HIGH BALANCE AND BLANCES UPDATED TO XXXX IMMEDIATELY AND HISTORICAL TRENDED DATA, TRANSACTIONAL DATA TO POSTIVE ON TIME PAYMENTS AND ACCOUNT STATUS UPDATED TO PAID IN FULL THE AMMOUNT UPDATED TO XXXX. DELETE THIS ACCOUNT IMMDEIATELY AND INDEFINITELY I attached my previous credit report to show how Equifax violated my rights. And I attached all terms and condition, privacy notices that says my information will not be shared with any non-affiliates or affiliates I am a customer/consumer whose non personal information is being shared. Equifax has violated me and abused the law by sharing and receiving my personal information without my consent. Per the law 15 USC 6801-6805. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards THIS IS DEFINITLEY IDENTITY THEFT WHEN A FINANCIAL INSTITUTION, Equifax TAKES YOUR PEROSNAL INFORMATION AND SHARES IT WITH OUT YOUR KNOWLEDGE AND FOLLOWING THE LAW TO TAKE THE PROPER STEPS TO MAKE SURE THAT CONSUMERS INFORMATION IS NOT BEING RELEASE UNDER DISHONEST AND UNDERHANDED PRACTICES 15 U.S. Code 1681c2 - Block of information resulting from identity theft due to the nature of this company violation my privacy rights they have 4 days to update this information with all reporting agencies involved with my consumer report being reported inaccurately indefinitely ( a ) Block Except as otherwise provided in this section, a agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ( b ) Accuracy of report-Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. UNDER THIS LAW IM AM DUE COMPENSATION FOR THE DAMAGES, EMBARESSMENT AND NEGLECTFULNESS THAT HAS BEEN DONE TO MY CREDIT FILE. THE CREDIT REPORTING AGENCIES ARE NOT DOING THEIR DUE DILLIGENCE IN EFFFECTIVLEY PREVENTING THESE ACCOUNT FROM REPORTING INNACURATLY AND BREAKING THEIR OWN PRIVACY NOTICES AND TERMS AND CONDITONS POLICIES THEY HAVE PROMISED TO COMSUMERS 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or XXXX XXXX XXXX - update this account Immediately to paid as agreed and all late payments and charge offs every month delete it and update it to paid on time. All balances are updated to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - update all historical data and balances to XXXX and paid on time and account statuses to paid as agreed XXXX XXXX XXXX XXXX XXXX XXXXXXXX delete immediately XXXXXXXX XXXX XXXX XXXXXXXX XXXX delete immediately XXXX XXXX XXXX XXXXXXXX XXXXdelete immediately XXXXXXXX XXXX XXXX XXXXXXXX delete immediately I DEMAND TO DELETE THIS ACCOUNT IMMDEIATELY AND INDEFINITELY HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS
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01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX
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09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I requested that I was shown proof that they are allowed to report late payments on my open end consumer credit plan and I have not received or the removal of the late payment. I also requested proof that I authorized the reporting of the late payment and received nothing. Additionally, there is a reporting error, Equifax is showing a different account number that needs to be corrected.
12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Equifax, XXXX, and XXXX continue to report my alleged student loan debt even after notice I have opted out of this information being reported. The reporting agencies assumed a vital role in the reporting of consumer information and they must provide each consumer with a XXXX day opt out notice to give the consumer the right to opt out of that information being reported. I have not received any notice from the reporting agencies. I as a federal protected consumer I am now opting out of this consumer account listed as DPT EDXXXX being reported. Each reporting agency needs my written consent to report information onto my consumer report.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.
( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.
( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.
( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.
( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.
( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than XXXX days after XX/XX/XXXX.
( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.
( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).
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12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX identity theft : Statement of claim - i XXXX XXXX XXXX did not give permission for XXXX XXXX or any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I have made every attempt to settle these matters and now are filing claims in federal state court ( s ).
1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of the County of XXXX XXXX, State of CALIFORNIA.
Defendant ( s ), XXXX XXXX XXXX XXXX and all other subsidiaries involved.
2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka XXXX XXXX XXXX California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the County of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX not The Department Of Education, has alleged to to acquire and service a loan from The Department Of Education, XXXX XXXX, and such the like as of XXXX XXXX. All the documents produced by XXXX XXXX are unverified, without validation from an XXXX or agent of status within the banking agency or servicing collection dept.
The Defendant XXXX XXXX, used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words " your, '' " loan, '' debt, '' or " account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to the property.
This information of creation of debt is false. All my private and personal information has been used to create this loan as in identity theft. It is believed and proven that XXXX XXXX are aquatinted with other agencies such as banks and are attempting to extort due to my investments and money wealth status. There connections are obvious as to the previous banks that has attempted to create a mortgage loan by identity theft and forgery. XXXX XXXX stated that they had my wet signature but such is impossible because i never signed any documents with a pen in ink for a contract of such, and they have failed to produce such alleged accounts.
They used such wording to deceive such as lf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number. This is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, ..
Definition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1. ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up. In short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ),
unbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in 1933. ( Note : In the bankruptcy of 1933 the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract.
Consequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed.
Of note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of XXXX and the Natural Law ( derived from XXXX Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since 1933, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound INSANE, but this is how the financial and legal system was set up following the 1933 bankruptcy of the U.S., along with the amended extensions of national emergency of 1917 and 1933. When you go to court, you go to a legislative-statutory court in essence, a Maritime-Admiralty court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S.
i XXXX XXXX XXXX the Real Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 2 ) years and therefore does not possess that of the Real Party ( s ) In Interest assets therein.
Any and all attempts of Records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.
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09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This agency has no right under federal law nor my expressed written consent to report any late payments on any account on ANY given month. Yet they have done so. I've respectfully asked them to remove those late payments on the accounts attached in the dispute letter and they have denied it which violates the following federal laws ; 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the accuracy of my credit report with regards to the reporting of inaccurate address information by the credit bureau. Specifically, the credit bureau has listed multiple addresses on my credit report that I have never resided at, including XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, CA XXXX, among others.
I believe that the credit bureau has violated several provisions of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure accuracy of the information they report. Additionally, Section 607 ( c ) requires credit reporting agencies to disclose the sources of the information they report, and if they are reporting addresses without disclosing the source of the information, this section may have been violated. Furthermore, Section 611 requires credit reporting agencies to investigate and correct any inaccuracies within 30 days of receiving a dispute. I have notified the credit bureau of the inaccurate address information, but they have failed to correct it within the given time frame, thus violating this section.
Additionally, I believe that the credit bureau has violated the Fair Debt Collection Practices Act ( FDCPA ) Section 806, which prohibits debt collectors from engaging in any conduct that is misleading or deceptive in connection with the collection of any debt. If a debt collector is using inaccurate address information to contact me or is failing to correct the information when notified, this section may have been violated.
I also believe that the credit bureau has violated the Fair Credit Billing Act ( FCBA ) Section 1666c, which requires creditors to send billing statements to the consumer 's last known address. If a creditor is using inaccurate address information to send billing statements or is failing to correct the information when notified, this section may have been violated.
I would like to share a personal story about how these inaccuracies have affected my life. As a result of these inaccurate addresses appearing on my credit report, I have been denied credit, including a mortgage for my family home. This has caused significant financial and emotional distress for myself and my family. Furthermore, the inaccurate address information has caused me to miss important bills and other financial statements, which has resulted in late payments and increased fees.
Therefore, I am requesting that the credit bureau investigate and correct the inaccurate address information on my credit report, in accordance with the FCRA Section 611. I also request that any creditor that has reported inaccurate address information be notified of the error and be required to remove it from my credit report, in accordance with FCBA Section 1666c.
One of the major issues is that XXXX is reporting a 30-day late payment on XX/XX/XXXX, for my XXXX account, when in fact I did not miss any payments. This is a serious error that is negatively affecting my credit score and ability to obtain credit.
Additionally, there are discrepancies in the reported dates of last activity, date reported, and date opened among XXXX, XXXX, and Equifax, which may be in violation of Section 607 ( a ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, XXXX may have violated Section 807 ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ) by reporting false credit information to XXXX.
These inaccuracies and violations have greatly affected my life and financial standing. As a hard-working individual, I have always made timely payments on my accounts and have never missed a payment on my XXXX account. The errors on my credit report are not only frustrating but are also preventing me from obtaining credit that I need for important purchases, such as a new car or a home.
Therefore, I request that you investigate these issues and enforce the legal provisions that protect consumers ' rights, including Section 607 ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure accuracy of the information they report.
XXXX and XXXX. According to XXXX, I was reported as being 30 days late on my XXXX account, despite the fact that I have not missed any payments. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report.
The impact of this error on my credit report has been devastating. It has caused me to be denied credit opportunities and to be offered higher interest rates and unfavorable terms when I do get approved. I have been struggling to make ends meet, and the inaccuracies on my credit report have only made things more difficult for me.
I have tried to dispute this error with XXXX and XXXX, but to no avail. It is frustrating and unfair that I am being punished for something that I did not do. I am asking for your help in enforcing the legal rights that I am entitled to under the FCRA.
XXXX XXXX XXXX Account XXXX and XXXX are reporting a high balance of {$12000.00} on my XXXX XXXX account, while Equifax is reporting {$0.00}. This violates FCRA Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure accuracy of the information they report.
There are also discrepancies in the reported dates of last activity, date reported, and date opened among XXXX, XXXX, and Equifax. XXXX is reporting the date of last activity as XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. XXXX is reporting the date reported as XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. XXXX is reporting the date opened as XX/XX/XXXX, while XXXX and Equifax are reporting XX/XX/XXXX. This violates FCRA Section 607 ( a ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information they report.
Furthermore, XXXX and Equifax are reporting a balance owed of {$11000.00} on my XXXX XXXX account, while XXXX is reporting {$85000.00}. This also violates FCRA Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure accuracy of the information they report.
Violation : Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) Explanation : XXXX is reporting a 30-day late payment on my XXXX XXXX XXXX XXXX XXXX account, when in fact I did not miss any payments.
Violation : Fair Debt Collection Practices Act ( FDCPA ), Section 806 ( 5 ) Explanation : The debt collector threatened to take legal action against me for a debt that is beyond the statute of limitations.
These violations have significantly affected my life. The inaccurate reporting on my credit report has caused me great distress and has made it difficult for me to secure loans or obtain credit. This has had a domino effect on my ability to provide for myself and my family.
XXXX XXXX XXXX account. Specifically, I believe that the creditor has violated several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Firstly, under FCRA Section XXXX ( a ), credit reporting agencies are required to disclose the sources of the information they report. However, XXXX is reporting a last verified date on my XXXX XXXX account, which XXXX did not report. This may be a violation of FCRA Section 611 ( a ).
Additionally, under FCRA Section 623 ( a ) ( 5 ), credit reporting agencies are required to provide accurate information in credit reports. Yet, there are discrepancies in the reported dates of last activity and status of my XXXX XXXX account between XXXX and XXXX. This XXXX be a violation of FCRA Section 623 ( a ) ( 5 ).
Furthermore, under FDCPA Section 809 ( a ), debt collectors are required to send a written notice to consumers within five days of their initial communication, informing them that they have the right to dispute the debt. However, the creditor did not notify me in writing when they sold my account to a collection agency, which may be a violation of FDCPA Section 809 ( a ).
Lastly, under FDCPA Section 807 ( 2 ) ( A ), debt collectors are prohibited from falsely representing the legal status of a debt. Yet, the creditor is reporting the status of my account as open when it has actually been sold to a collection agency, which may be a violation of FDCPA Section 807 ( 2 ) ( A ).
XXXX XXXX XXXX XXXX account. According to XXXX, the last verified date on my account is XX/XX/XXXX, but XXXX and Equifax did not report any such information. Furthermore, XXXX reported the date of last activity as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and Equifax as XX/XX/XXXX. Additionally, XXXX reported the date reported as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and Equifax as XX/XX/XXXX. The account status is also reported as open, even though it is a collection account, and the creditor never sent me any paperwork notifying me that my account had been sold to a collection agency.
These discrepancies and violations have caused me significant harm, and I would like to share a personal story of how they have affected my life. Due to these inaccurate and unverified reports, I have been denied credit multiple times, which has made it difficult for me to purchase a new car and secure a decent place to live. These false reports have caused me immense stress and anxiety, affecting my health and quality of life.
I am asking you to enforce the legal requirements of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), which requires credit reporting agencies to disclose the sources of the information they report. Additionally, I believe that Section 623 ( a ) ( 5 ) of the FCRA has been violated, as it requires credit reporting agencies to provide accurate information in credit reports. I also believe that the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( a ) has been violated, as the creditor did not notify me in writing when they sold my account to a collection agency. Finally, I believe that FDCPA, Section 807 ( 2 ) ( A ) has been violated, as the creditor is reporting the status of my account as open when it has actually been sold to a collection agency.
I am requesting that you remove this unverified account from my credit report, and take action against the creditor for these violations. Thank you for your attention to this matter.
I am writing to dispute the inclusion of three inquiries on my credit report from XXXX XXXX, XXXX XXXX XXXX, and XXXX. These inquiries are inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( b ) ( 1 ) and Section 611 ( a ).
Section 604 ( b ) ( 1 ) requires that a consumer reporting agency follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. In t
his case, it appears that the three inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXX may not be accurate or complete, as they appear to be duplicates of the same inquiry. This may be a violation of Section 604 ( b ) ( 1 ) of the FCRA.
Furthermore, Section 611 ( a ) of the FCRA requires credit reporting agencies to disclose the sources of the information they report. If there are discrepancies in how the three XXXX XXXX inquiries are reported by different credit bureaus, this section may have been violated.
Sincerely, XXXX XXXX XXXX
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03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
To Whom it may Concern, This is regarding disputing multiple accounts on my XXXX Report. The first letters were delivered via XXXX. Below you will find disputed accounts and dates of dispute as well as agency response.
XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX XXXX NA Opened XX/XX/XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX, Removed from XXXX, Equifax ) XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX, Removed From XXXX, Equifax ) XXXX XXXX Opened XX/XX/XXXX ( XXXX, XXXX, Equifax ) XXXX Opened XX/XX/XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX, Removed from XXXX XXXX, Equifax ) XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( XXXX, XXXX, Equifax ) XXXX OPENED XX/XX/XXXX ( XXXX, Equifax ) XXXX XXXX XXXX, XXXX OPENED XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX ( Removed From XXXX ) XX/XX/XXXX, I sent a letter to all three credit agencies regarding the validity of the above accounts. All the letters were sent certified and were notarized with my identification attached.
According to the Fair Credit Reporting Act, Section 60g ( a ) ( l ) { A }, you are required by federal law to verify - through the physical verification of the original consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 1st Request for Verification In XX/XX/XXXX I received a credit report update from ( XXXX, XXXX, Equifax ) stating that all the above accounts were verified as accurate.
XX/XX/XXXX, I responded with the 2nd written request ( Complete Letters attached ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items Listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. ln the results of your first investigation, you stated in writing that you " verified ', that these items are being " reported correctly ',? Who verified these accounts? Letter Requested Verification In XX/XX/XXXX I received a credit report update from ( XXXX, XX/XX/XXXX, Equifax ) stating that all the above accounts were verified as accurate. Nothing of what was requested in the 2nd letter was provided.
XX/XX/XXXX, I responded with the 3rd written request.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately. COPY OF LETTER TEXT In XX/XX/XXXX I received a credit report update from ( XXXX, XXXX, Equifax ) stating that all the above accounts were verified as accurate. XXXX removed 3 accounts above XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Nothing of what was requested in letter was provided for the other accounts.
I started the process again this year XXXX I focused on my healing and wanted to get back to disputing as soon as I could. I STARTED DISPUTING THE SAME ACCOUNTS ONLINE WITH XXXX XX/XX/XXXX. All accounts came back as accurate and the request for documentation and proof of accounts were completely ignored.
On XX/XX/XXXX another request to validate reported items was made by me via XXXX ( confirmation of dispute attached below ). On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX/XXXX XXXX disputes were Opened.
XX/XX/XXXX XXXX responded as follows for XXXX XXXX XXXX XXXX reported account : We have an update about your Account Dispute The dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. We will notify you when all your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. '' XX/XX/XXXX XXXX responded as follows for XXXX XXXX XXXX ( REMOVED FROM XXXX ) reported account : " We have an update about your Account Dispute The dispute for the account with XXXX XXXX XXXX XXXXXXXX XXXX that starts with XXXX has been updated. We will notify you when all your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. '' XX/XX/XXXX XXXX responded as follows for XXXX XXXX XXXX XXXX XXXX reported account : We have an update about your Account Dispute The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. We will notify you when all your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate.
XX/XX/XXXX XXXX responded as follows for XXXX XXXX XXXX reported account : XX/XX/XXXX XXXX responded as follows for XXXX/XXXX XXXX reported account : XX/XX/XXXX XXXX responded as follows for XXXX/XXXX XXXX reported account : XX/XX/XXXX XXXX responded as follows for XXXX XXXX 2ND DISPUTE XXXX reported account : XX/XX/XXXX XXXX responded as follows for XXXX XXXX XXXX reported account : On XX/XX/XXXX I XXXX XXXX drafted and Mailed via regular mail the 2nd request for validation with instructions. My response requested to know who verified these accounts? I explained in the letter to XXXX ( attached below ) that they are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
I then proceeded to inform them that they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
In this letter I requested verification of their process used to verify the accounts disputed as well as information proving the accounts listed above as valid. I demanded the accounts be deleted of verified immediately.
Information requested from XXXX : A. The name of the courthouse/The name of creditor B. The name of the individual/person who they verified the dispute with C. The address D. The phone numbers E. The documentation used to verify the dispute ( Mailed lettered attached ) This information was received and responded to by XXXX on XX/XX/XXXX ( postcard received in mail attached ) XXXX provided only their process to verify accounts on reports. All other request has been ignored. One of the lines stated that when they contact the furnisher or vendor, they ask that they verify all the information regarding the items disputed and report back in 30 days.
they then will review all relevant documents submitted with the dispute and will forward them to the furnisher if they are unable to resolve the issue.
In the next step they review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. if after processing, they find that the dispute information is inaccurate, incomplete or can not be verified, they delete or modify that information, as appropriate. if they do not receive a response from the furnisher or the vendor within the required period, they update the item as I have requested or delete the information and send results.
Lastly, they openly reviled that they also in some instances can determine whether the disputed information should be changed or deleted without contact with the furnisher or vendor.
This is truly alarming to read! XXXX has already stated that it has verified the accounts above as being valid. They have not provided any documentation from the furnishers proving such validation to be true. They also admitted in the post card that they not only verify by contacting the furnisher they also verify using third party vendors or in some instances they make the determination without contacting the furnisher or third-party vendor.
This is a clear violation of my rights in writing in their words!
THE FCRA STATES THAT THE REPORTING AGENCY MUST GO BACK TO THE ORIGINAL FURNISHER OF THE DEBT TO VERIFY THE DEBT IT SELF.
XXXX has failed to provide any proof of the accounts listed above but continue to post to my credit report. Also, there has been no contracts with my signature provided no documentation whatsoever by any of the three credit reporting agencies.
Letters Sent to Equifax and XXXX mailed via regular mail XX/XX/XXXX ( Attached ) I have been disputing these accounts since XX/XX/XXXX. I was very ill at the time and never pursued legal remedy during the time of XXXX. I am healthy now and have disputed these accounts for the last time. The credit reporting agencies negligence has cased damages to me personally. They have completely fabricated verification of each account. After multiple request have been made for proof and/or name, address and phone number of verifying entity I see no other way of resolving this issue but litigation. This has gone on long enough and these items must be deleted asap.
All three credit agencies have had over a year to resolve this issue and they have failed to do so. This has cause me to no get certain jobs, kept me from renting properties, multiple denials and has ruined my reputation. I would like to file this complaint on the bases of the negligence from the agencies over the last year. The active disputes keep happening and they continue to ignore my request.
Best, XXXX XXXX XX/XX/XXXX
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09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I can not be late on an open end consumer credit plan and I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I can not be late on an open end consumer credit plan and I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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EQUIFAX- XXXX- XXXX 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q , 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 XX/XX/XXXX To Whom It May Concern : My name is XXXX XXXX and this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports At this time I will also inform vou that if your offices have or continue to report invalidated information this includes XXXX XXXX, and EQUIFAX this action might constitute fraud under both federal and state laws. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n - Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. Please be advised XXXX XXXX,, and EQUIFAX. You need to remove all fraudulent inquiries from my consumer report. I've given the dates and the times of every inquiry that is on my consumer report. You shall remove the inquiries that are fraudulent on my consumer reports your credit reporting agency, and you shall do due diligence in the investigation of such fraudulent activities. The violations here I require compensation, for this has caused me grave harm purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX XXXX, AND EQUIFAX is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. XXXX XXXX, AND EQUIFAX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX XXXX, XXXX XXXX XXXX AND EQUIFAX or furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities.
This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. To Whom It May Concern : In accordance with the fair credit act XXXX- has violated my rights. The late payment reporting date XXXX - Account # XXXX Date Open XX/XX/XXXX 1 is inaccurate.I never made late payments. During covid a lot of peoples info was mixed up .It needs to be deleted.also has violated my rights. During Covid the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { {$5000.00} } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { {$1000.00} } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B My life is being ruined for unjust enrichment. I have reasonable cause to believe XXXX, XXXX, and EQUIFAX are guilty of engaging in a pattern of racketeering activity and receiving the proceeds of extortion to fund their illegal criminal enterprise. As a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis, I am aware that my consent is required to disclose nonpublic personal information to nonaffiliated third parties. The consumer reporting agencies have aided and abetted the financial institutions involved in unlawful extortionate means to collect on extensions of credit and punish me for the nonrepayment thereof During XXXX the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I do not consent. to XXXX XXXX XXXX .. XXXX XXXX
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11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Dear Credit Reporting Agency : : I do not agree to E-Oscar verification. My credit report shows numerous inaccuracies on several accounts. Under the FCRA I am entitled to a fair and accurate credit report. The inaccuracies are as follows.
XXXX XXXX : Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on Equifax is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as XXXX on Equifax, Times 30/60/90 days late is listed as XXXX on XXXX. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on Equifax, months reviewed is listed as 84 months on XXXX. XXXX has a high balance of {$7400.00} listed and Equifax and XXXX high balance is blank. The payment history listed on XXXX is listed as no history available. The payment history on Equifax indicates youve made 0 % of payments for this account on time. The XXXX payment history indicates youve made 39 % of payments for this account on time.
XXXX XXXX : Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on Equifax is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Remarks listed on XXXX state Account closed by credit grantor. Remarks listed on Equifax state Charged off account. Remarks on XXXX state Unpaid Balance reported as a loss by credit grantor, Account closed at credit grantors request. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as XXXX on Equifax, Times 30/60/90 days late is listed as XXXX on XXXX. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on Equifax, months reviewed is listed as 84 months on XXXX. XXXX has a high balance of {$5300.00} listed, Equifax has a high balance of {$5200.00}, and XXXX has a high balance that is blank. The payment history listed on XXXX is listed as no history available. The payment history on Equifax indicates youve made 0 % of payments for this account on time. The XXXX payment history indicates youve made 38 % of payments for this account on time.
XXXX XXXX XXXX : The partial account number listed on XXXX, Equifax, and XXXX are all different. Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on Equifax is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Remarks listed on XXXX state Account information disputed by consumer. There are no remarks listed on Equifax. Remarks on XXXX state Unpaid Balance reported as a loss by credit grantor. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as XXXX on Equifax, and Times 30/60/90 days late is listed as XXXX on XXXX. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on Equifax, months reviewed is listed as 84 months on XXXX. XXXX has a high balance of {$6600.00} listed, Equifax has a blank high balance, and XXXX has a high balance that is blank. The payment history listed on XXXX is listed as no history available. The payment history on Equifax indicates youve made 0 % of payments for this account on time. The XXXX payment history indicates youve made 37 % of payments for this account on time.
XXXX XXXX XXXX : The partial account number listed on XXXX, Equifax, and XXXX are all different. Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on Equifax is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Remarks listed on XXXX state Account information disputed by consumer. There are no remarks listed on Equifax. Remarks on XXXX state Unpaid Balance reported as a loss by credit grantor. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as XXXX on Equifax, and Times 30/60/90 days late is listed as XXXX on XXXX. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on Equifax, months reviewed is listed as 79 months on XXXX. XXXX has a high balance of {$3000.00} listed, Equifax has a blank high balance, and XXXX has a high balance that is blank. The payment history listed on XXXX is listed as no history available. The payment history on Equifax indicates youve made 0 % of payments for this account on time. The XXXX payment history indicates youve made 34 % of payments for this account on time.
XXXX XXXX XXXX XXXX : All the account information is missing from the XXXX report. There is no Last Activity Date listed on XXXX, Last Activity Date on Equifax is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. There are no months reviewed listed on XXXX, months reviewed is listed as 0 months on Equifax, months reviewed is listed as 47 months on XXXX. XXXX does not have a high balance listed, Equifax has a high balance of {$10000.00}, and XXXX has a high balance of {$10000.00}. XXXX does not have a current payment status listed, Equifax list the current payment status as 90 days late, and XXXX list the current payment status as as agreed.
XXXX XXXX XXXX XXXX : Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on Equifax is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. XXXX list the account type as Real Estate Mortgage, Equifax list the account type as Conventional real estate mortgage, and XXXX list the account type as Real Estate Mortgage. Remarks listed on XXXX state settled less than full balance. Remarks listed on Equifax state Amount paid for less than the full balance. Remarks on XXXX state account legally paid in full for less than the full balance. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on Equifax, months reviewed is listed as 25 months on XXXX. XXXX term count is listed as 0, Equifax term count is listed as 0, and XXXX term count is listed as 360. XXXX has a current payment history status of as agreed. Equifax has a current payment status of as agreed. XXXX has a current payment status of collection/charge-off. The payment history listed on XXXX indicates youve made 71 % of payments for this account on time. The payment history on Equifax indicates youve made 85 % of payments for this account on time. The XXXX payment history indicates youve made 68 % of payments for this account on time.
XXXX XXXX : The Overview on XXXX indicates you have 0 % left to pay on this loan. The overview on Equifax states you have 0 % left to pay on this loan. The overview on XXXX states you have 94 % left to pay on this loan. The balance on XXXX listed is {$9000.00} and the highest balance listed is {$10000.00}. The balance on Equifax listed is {$9000.00} and the highest balance listed is blank. The balance on XXXX listed is {$9000.00} and the highest balance listed is {$10000.00}. Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on Equifax is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Remarks listed on XXXX state profit and loss write off. Remarks listed on Equifax state charged off account. Remarks on XXXX state unpaid balance reported as a loss by credit grantor. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as 1/1/1 on Equifax, and Times 30/60/90 days late is listed as 1/1/1 on XXXX. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on Equifax, months reviewed is listed as 69 months on Experian.Transunion term count is listed as 0, Equifax term count is listed as 0, and XXXX term count is listed as 96. Term source type is blank on XXXX. Term source type is blank on Equifax. Term list type is listed as provided on XXXX. The high credit is listed as {$0.00} on XXXX and the high credit is blank on Equifax and XXXX. The payment history listed on XXXX indicates no history available. The payment history on Equifax indicates youve made 4 % of payments for this account on time. The XXXX payment history indicates youve made 30 % of payments for this account on time.
Achieve Personal Loans : The account is not listed on XXXX The date listed on Equifax is XX/XX/XXXX. The date listed on XXXX is XX/XX/XXXX. The previous balance listed on XXXX was listed as {$0.00} and the highest balance listed is $ XXXXThe balance on Equifax listed is {$0.00} and the highest balance listed is blank. The balance on XXXX listed is {$0.00} and the highest balance listed is {$17000.00}. Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on Equifax is XX/XX/XXXX. Last Activity Date on XXXX is XX/XX/XXXX. Remarks listed on XXXX state purchased by another lender. Remarks listed on Equifax state charged off account. Remarks on XXXX state unpaid balance reported as a loss by credit grantor, transferred to another lender. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as 0/0/0 on Equifax, and Times 30/60/90 days late is listed as 1/1/1 on XXXX. XXXX. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on Equifax, months reviewed is listed as 17 months on XXXX.XXXX term count is listed as 0, Equifax term count is listed as 0, and XXXX term count is listed as 48. Term source type is blank on XXXX. Term source type is blank on Equifax. Term list type is listed as provided on XXXX. The high credit is listed as {$0.00} on XXXX and the high credit is blank on Equifax and XXXX. The payment history listed on XXXX indicates no history available. The payment history on Equifax indicates youve made 100 % of payments for this account on time. The XXXX payment history indicates youve made 53 % of payments for this account on time.The creditor information listed differs across XXXX, Equifax, and XXXX. The creditor name differs on XXXX, Equifax, and XXXX. The credit on XXXX does not have an address or phone number listed. The creditor on Equifax list # 40 and a different phone number than XXXX. The creditor on XXXX list XXXX XXXX and a different phone number than Equifax.
XXXX XXXX : There is no account information listed on XXXX and Equifax. There are account details listed on XXXX.
XXXX XXXX : The date listed on the XXXX is XX/XX/XXXX. The date listed on Equifax is XX/XX/XXXX. The account is not listed on XXXX. The account type listed on transunion is listed as an open account and the account type listed on Equifax indicates open. Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on Equifax is XX/XX/XXXX. There is no status listed on XXXX and the status listed on Equifax indicates paid. Most recent adverse on XXXX indicates Collection/charge off and the most recent adverse on Equifax indicates No data. Comments on XXXX indicate paid collection and the comments on Equifax are blank. The information for the collection agency only list a name for a collection company on XXXX. The information for a collection company list a name, address, and phone number on Equifax.
According to 15 USC 6802 none of these institutions listed can disclose nonpublic personal information to third parties unless the financial institutions have clearly and conspicuously disclosed to the consumer in writing or electronic form that the information can be disclosed, the consumer is given the opportunity to opt out before the information is initially disclosed, and the consumer is given an explanation of how the consumer can exercise the nondisclosure option. None of these creditors listed met all three requirements that are needed for the disclosure of this information. Therefore, I am asking for the removal of all these accounts from my consumer report. Furthermore, the accounts have numerous inconsistencies and the veracity of the information can not be verified.
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08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AFFADAVIT OF TRUTH 1. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due course, for any and all derivatives thereof for the surname/given name XXXX XXXX, CONSUMER and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a CONSUMER, XXXX XXXX, and autograph as the agent, attorney in fact, so be it ; CONSUMER, XXXX XXXX, is a natural person residing in County of XXXX, State of Michigan and is a CONSUMER as that term of defined by 15 USC 1681 ( a ) ( c ) ; Pursuant to 28 USC 1391 ( b ).
Whereas I of age, of majority give, this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 2. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 3. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this here in unrebutted Affidavit of Truth being service to you today and therefore, standing as truth and commerce, so be it, and ; CONSUMER, XXXX XXXX, incorporates all of the above complaints as trough fully stated herein. The forgoing acts and omissions constitute numerous and multiple willful, reckless and/or negligent violations of the FCRA, including but not limited to each and every one of the above cited provisions of the FCRA, 15 USC 1681.
CONSUMER, XXXX XXXX, has a right under 15 USC 1681 a right to fair and accurate reporting to promote efficiency in the banking system and protect CONSUMER privacy with fairness, impartiality and respect. for my right to privacy and that the FCRA impose its duties upon As a result of each and every willful violation of the FCRA, CONSUMER, XXXX XXXX, is entitled to actual damages as CFPB may allow Pursuant to 15 USC 1681n ( a ) ( 1 ) ; statutory damaged Pursuant to 15 USC 1681n ( a ) ( 1 ) ; punitive damages Pursuant to 15 USC 1681n ( a ) ( 2 ) and reasonable attorney feed and cost Pursuant to 15 USC 1681n ( a ) ( 3 ).
Fact, please show good faith in this manner by expediting the security of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish and losses due to me being a victim of identity theft, so be it, and ; On XX/XX/XXXX CONSUMER, XXXX XXXX, sent a letter to EQUIFAX, XXXX & XXXX regarding that I am that I am the Original Creditor Pursuant to 15 USC 1681 ( 2 ) ( b ), 15 USC 1681 ( i ) and 15 USC 1681 ( e ). ( SEE EXHIBITS A-C ).
On XX/XX/XXXX, CONSUMER, XXXX XXXX, opted out of XXXX Opt Out Process. ( SEE EXHIBIT D ).
EQUIFAX, XXXX XXXX XXXX as they are the FURNISHERS, with regard to erroneously reporting DEROGRATORY credit information on failing to properly investigate CONSUMER, XXXX XXXX disputes dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( See Exhibit E ) EQUIFAX, XXXX & XXXX is a furnisher of information as contemplated by 15 USC 1681 ( 2 ) ( b ) that regularly and in the ordinary course of business furnishes information to a Consumer Reporting Agency.
EQUIFAX, XXXX & XXXX is a furnisher of information as contemplated by 15 USC 1681 ( 2 ) ( b ) that regularly and in the ordinary course of business furnishes information to a Consumer Credit reporting Agency. Let it also be known that EQUIFAX, XXXX & XXXX is a furnisher of information as contemplated by 15 USC 1681s ( 2 ) ( b ).
Dispute Date Confirmation # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX?
XX/XX/XXXX Letter stating CONSUMER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DATA BREACH Settlement EQUIFAX, XXXX & XXXX regularly assemble and/or evaluated consumer credit information for the purposes of furnishing consumer reports to third parties and uses interstate commerce to prepare and/or furnish the reports. Unless otherwise indicated all named in this Complaint includes all agents, employees, officers, members, directors, heirs, successors, assigns, principals, trustees, sureties, subrogees, representatives and insures of Consumer Credit Reporting Agencies.
In addition, inaccurate reporting did not comply with the Consumer Data Industry Association 's Metro 2 reporting standards, which provides guidance for credit reporting and FCRA compliance called " Metro 2 Format ''. To this end, the adverse reporting from the said Consumer Credit Reporting Agencies standard and was therefore inaccurate under the XXXX 's standard as well.
CONSUMER, XXXX XXXX is informed and believes, therein alleged, that acquired CONSUMER, XXXX XXXX, information through an authorized inquiry of CONSUMER, XXXX XXXX 'Consumer Report ' as that term is defined by 15 USC 1681 ( d ) ( 1 ). However, 15 USC 1681 ( b ) delineates the only permissible uses of, or access to, consumer reports. Other violations include 28 USC 1331 ; Smith v Community Lending Inc ; 773 F. Sup 2d 941, 946 ( D. Nev. 2011 ) Obtaining a Consumer Report without permissible purposes constitutes an invasion of a legally protected interest in the confidentiality of the CONSUMER, XXXX XXXX sensitive personal information. This harm may be tangible but is very real and concrete.
The prohibition on impermissible credit 'pulls ' is also a substantive provision, not procedural, in that it is a direct protection for the privacy of CONSUMER, XXXX XXXX XXXX In fact, accessing a Consumer Report without permissible purpose would be similar to several common law torts that fall under the umbrella of invasion of privacy, such as public discloser of private facts or intrusion upon seclusion of financial information. The Consumer Reporting Agencies NEVER notified CONSUMER, XXXX XXXX, of the illegal and impermissible access and obtained CONSUMER, XXXX XXXX, credit report and/or credit information under false pretenses by falsely representing that the purpose of such access was for collection or account review notwithstanding that the account no longer existed and willfully and negligently violated the Fair Credit Reporting Act through its above conduct, specifically violated 15 USC 1681 ( b ) by using CONSUMER, XXXX XXXX report for impermissible use that falls outside the scope of 15 USC 1681 ( b ).
EQUIFAX, XXXX & XXXX is a CONSUMER REPORTING AGENCIES as that term is defined by 15 USC 1681 ( a ) ( f ).
Fact, affiant is aware has proofs that Consumer Reporting Agencies is in violation of 15 USC 1681 ( b ) Fact, affiant is aware has proofs that Consumer Reporting Agencies is in violation of 15 USC 1681 ( n ) Fact, affiant is aware has proofs that Consumer Reporting Agencies is in violation of 15 USC 1681 ( a ) ( 4 ).
Fact, affiant was injured due to many Data Breach on many computer systems b
y acquiring additional highly sensitive information and saving information onto into computer systems. Data Breaches are common and Consumer Reporting Agencies are frequent targets of cybercriminals.
Fact, affiant is aware has proofs that Consumer Reporting Agencies is in violation of 15 USC 1681 ( n ) and 15 USC 1681 ( o ). Entitled to the remedies available. Consumer respectfully request CFPB grant the following relief : Fact, affiant is aware has proofs that Consumer Reporting Agencies is in violation of Cushman v Transunion, Stevenson v TRW Inc and Richardson v Fleet Bank of Mass, Equifax, XXXX XXXX and XXXX XXXX.
First Cause of Action for Violation of the Fair Credit Reporting Act is USC 1681 -an award of actual damages Pursuant to 15 USC 1681n ( a ) ( 1 ) -award of statutory damaged Pursuant to 15 USC 1681n ( a ) ( 1 ) -an award of punitive damages if no resolution Pursuant to 15 USC 1681n ( a ) ( 2 ) -an award and cost of litigation, reasonable attorney feed if no resolution Pursuant to 15 USC 1681n ( a ) ( 3 ), and 15 USC 1681 ( o ) ( a ) ( 1 ) against Defendants for each incident of negligent noncompliance of the FCRA and -any other relief the Court if no resolution may deem just and proper.
Thank you, XXXX XXXX I swear to all information provided herein I do so under the penalty of perjury that the information I saw a firm to be true or correct accurate to the best of my ability and knowledge so be it.
I do not accept this offer to contract I do not consent to these proceedings I do require subrogation of the bond to settle the charge Credit reporting Agency.
Let it also be known that EQUIFAX, XXXX & XXXX is a furnisher of information as contemplated by 15 USC 1681s ( 2 ) ( b ). EQUIFAX, XXXX & XXXX regularly assemble and/or evaluated consumer credit information for the purposes of furnishing consumer reports to third parties and uses interstate commerce to prepare and/or furnish the reports. Unless otherwise indicated all named in this Complaint includes all agents, employees, officers, members, directors, heirs, successors, assigns, principals, trustees, sureties, subrogees, representatives and insures of Consumer Credit Reporting Agencies.
In addition, inaccurate reporting did not comply with the Consumer Data Industry Association 's Metro 2 reporting standards, which provides guidance for credit reporting and FCRA compliance called " Metro 2 Format ''. To this end, the adverse reporting from the said Consumer Credit Reporting Agencies standard and was therefore inaccurate under the XXXX XXXX standard as well.
CONSUMER, XXXX XXXX is informed and believes, therein alleges, that acquired CONSUMER, XXXX XXXX, information through an authorized inquiry of CONSUMER, XXXX XXXX 'Consumer Report ' as that term is defined by 15 USC 1681 ( d ) ( 1 ). However, 15 USC 1681 ( b ) delineates the only permissible uses of, or access to, consumer reports.
Obtaining a Consumer Report without permissible purposes constitutes an invasion of a legally protected interest in the confidentiality of the CONSUMER, XXXX XXXX sensitive personal information. This harm may be tangible but is very real and concrete.
The prohibition on impermissible credit 'pulls ' is also a substantive provision, not procedural, in that it is a direct protection for the privacy of CONSUMER, XXXX XXXX XXXX In fact, accessing a Consumer Report without permissible purpose would be similar to several common law torts that fall under the umbrella of invasion of privacy, such as public discloser of private facts or intrusion upon seclusion of financial information. The Consumer Reporting Agencies NEVER notified CONSUMER, XXXX XXXX, of the illegal and impermissible access and obtained CONSUMER, XXXX XXXX, credit report and/or credit information under false pretenses by falsely representing that the purpose of such access was for collection or account review notwithstanding that the account no longer existed and willfully and negligently violated the Fair Credit Reporting Act through its above conduct, specifically violated 15 USC 1681 ( b ) by using CONSUMER, XXXX XXXX report for impermissible use that falls outside the scope of 15 USC 1681 ( b ).
A letter from Equifax dated XX/XX/XXXX, that XXXX XXXX was in FACT, a CONSUMER. ( See Exhibit F ) A letter from Equifax dated XX/XX/XXXX, that XXXX XXXX was not in FACT CONSUMER ( See Exhibit G ) THANK YOU, CONSUMER, XXXX XXXX
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09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) XXXX report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( XXXX ) XXXX not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( XXXX ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I DENY your credit reporting agency is accurately reporting my information correctly. This is false and misleading information on my credit report and you are subject to a defamation and slander lawsuit as well as violations of the FCRA and united states constitution.
5. I DENY I have any obligations or contracts with these companies. You have a statutory obligation to verify independently the accuracy the completeness of information on my credit report and your agency did not comply with the FCRA.
6. I wrote previous request demanding you get it right but your investigators failed to do so. You are in violation of your own act by refusing to delete unverified information from my consumer profile. The companies that pay you for profit are without authorization and are intentionally invading my private matters. This has caused me mental anguish and suffering impairing my unalienable freedoms to life, liberty and pursuit of happiness by your negative reporting giving me a bad name which goes against my religious beliefs.
7. I have a right to privacy in all financial matters You are allowing third parties to report monthly negative information on my credit report after several notices to your company asking to validate the debt and none has validated the debt according to the law. I have given notice to remove the debts and update late payments and complete a rapid rescore without cost but you have failed to do so.
8. TAKE NOTICE that every company in dispute are only making claims but they havent proved that they loaned me any money. Bookkeeping entries that were allegedly made is an attempt to establish an alleged obligation or debt, and in which case, the entire matter would constitute fraud so you must remove the debt and I dont need to complete a police affidavit for you to remove it. It's simply inaccurate an unvalidated debt. Pursuant to KJV Matthew 5:37 Buy let your communication be, Yea, yea; Nay, nay : for whatsoever is more than these cometh of evil.
9. WHEREFORE Petitioner gives notice of the following FCRA violations [ pursuant to ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. ] Also in violation of my right to dispute incomplete or inaccurate information, In violation of my right to remove old negative information in violation of not restricting who can access my report. Which has intern invaded my privacy.
FINDINGS OF FACT II.
RESPONDENT VIOLATED PETITIONERS UNALIENABLE RIGHTS PURSUANT TO THE FOLLOWING : Pursuant to 1781 United States Constitution 10. THE U.S Bill of Rights 1787 United States Constitution AMENDMENT I. Has Been Violated in the past.
11. 1787 United States Constitution AMENDMENT IV. Has Been Violated in the past.
12. 1787 United States Constitution AMENDMENT V. Has Been Violated in the past.
13. 1787 United States Constitution AMENDMENT VI. Has Been Violated in the past.
14. 1787 United States Constitution AMENDMENT VII. Has Been Violated in the past.
15. 1787 United States Constitution ARTICLE I. SECTION 8 Has Been Violated in the past.
16. 1787 United States Constitution ARTICLE I. SECTION 9. SUBSECTION 3. Has Been Violated in the past.
17. 1787 United States Constitution ARTICLE I. SECTION 10. Has Been Violated in the past.
18. 1787 United States Constitution ARTICLE IV. SECTION 1. Has Been Violated in the past.
19. 1787 United States Constitution Art VI Classe I : Has Been Violated in the past.
III. AFFIDAVIT OF THE PETITIONER 20. I cook, Josephine being of sound mind, good moral character, having firsthand knowledge of the foregoing facts hereby, without any mental reservation or purpose of evasion, bare witness, state and declare that ; 21. Respondents Agree that they violated petitioners rights for failure show cause why they are entitled to violate the FCRA ( Title VI of the Consumer Credit Protection Act ) which protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. and 22. Respondent agree they have intentionally reported negative information on petitioners credit report without her consent and admit to the following violations of the 1787 United States Constitution Bill of Rights Amendment IV which protects my property ( I.e my credit ) from search and seizer which the debt collectors or alleged creditors has done, which is a violation of Bill of Rights ; and 23. Respondents agree and consent that they have failed to establish and follow reasonable procedures, as required by existing law, to establish the maximum level of accuracy of information contained on my consumer report and are out of compliance with their existing obligations.
24. The Respondents agree and consent by allowing the presence of inaccurate or incomplete information to remain on my credit report has resulted in substantial financial and emotional harm. Which has lead me to loss of new employment opportunities in my industry which is Travel and Real estate and has prohibited me from being able to access credit on favorable terms. This has also prevented me from obtaining investment properties and triggering mental distress in my old age and living on a fixed income.
25. Respondents agree that current industry practices impose an unfair burden of proof on me as a consumer with the effort I have made trying to fix errors on my credit report and you wont follow your existing law.
26. Respondents agree that this inaccurate or incomplete information has also undermined the ability of creditors and lenders to effectively and accurately underwrite and price the credit I rightfully qualify for.
27. Respondents agree that the inaccurate credit reporting has affected my life and as a result of the error on my consumer credit report this has been catastrophic for me to bear.
Respondents agree they have participated in the improper use of my credit report, making it difficult to obtain a credit report and a credit score, credit monitoring and identity protection during my dispute process.
28. Respondents agree that the debt collectors or alleged creditors never investigated the disputes and the investigation lacked detail and the investigation was not accompanied by attachments with relevant information.
29. Respondents agree that you have burdened me by calling my disputes frivolous or failed to identify one self, or even worst that I am didnt write the dispute letters based on your educated guess.
30. Respondents agree that they use quota systems to force employees to process disputes hastily and without the opportunity for conducting meaningful investigations. and punished those who didnt meet production numbers with probation. Therefore they agree that they are in this for unjust enrichment by conducting improper and inaccurate investigations affecting consumers like me. and they agree that they will continue to skirt their obligations under the law.
31.Respondent agree that they did not follow the FCRA when performing a reasonable investigation and did not conduct a substantive search inquiry when I disputed the items on my consumer report. and 32. Respondents agree you did not conduct the proper independent review about the accuracy of any disputed item. You agree you only relied on a furnishers rubber stamp verification of the integrity of the information that was provided to you. and 33. Therefore you agree that you failed to adequately fulfill your dispute handling obligations, including by not forwarding to furnishers all relevant information found in letters and supporting documents supplied by me when I submitted my dispute.
34. Respondents agree that the time it has taken me to consistently report my concerns to your credit reporting agency without success it has become frustrating, burdensome and a time-consuming process therefore Im within my right to sue you for the violations and 35. Respondents agree that they allowed third parties access my credit profile and reported negative information on my credit report without proper validation and you agree you have taken my property without due process of law pursuant to 1787 United States Constitution Article V. The credit bureaus can not take my property without due process of law or take it for public use without just compensation which Equifax XXXX XXXX and XXXX have done in the past going against the Bill of Rights ; and 36. The Respondents agree they have violated 1787 U.S. Const Amendment VI. in the past when they never informed me of the nature and cause of the accusation ; to be confronted with the witnesses against me ; to have compulsory process for obtaining witnesses in my favor, before they took my credit reports and reported negative on my credit report, which is against the Bill of Rights, ( I.e slavery ) and 37.Respondent ( s ) consent and agree that they shocked, substantially burdened, controlled, and interfered with the religious conscience of the Petitioner, and prevented him from worshiping her God pursuant to the KJV Bible, Proverbs 22:1 which states : A good name is to be chosen rather than great riches, loving favor rather than silver and gold. and violated petitioners unalienable rights pursuant to 1787 U.S. Constitution Amendment 1 ; and 38. Respondents agree that the presence of inaccurate or incomplete information on my consumer credit report has resulted in substantial financial and emotional harm.. and 39. Respondent ( s ) agree that any previous negative items reporting on the credit report are void as they go against The 1787 Constitution of The United States 10 No State shall pass any bill of attainder, ex post facto law, or law impairing the obligation of contracts, or grant any title of nobility. and 40. Respondent ( s ) agree that as a non-government agency ( Equifax, XXXX XXXX ) you agree that pursuant to The Constitution Of The United States ARTICLE 4. You allowed the alleged creditors to violate my right to privacy against unreasonable searches and seizures without my consent. and 41. Respondents agree I shouldnt have to incur a cost to keep my private information protected. ; and 42. Respondents agree that Any act of Congress repugnant to the Constitution can not become the law of the land. [ Maybury v Madison ] ; and 43. Respondent ( s ) agree not to accept mere journal entries as proof of validation with a matching address without having in your system the actually contract with a wet blue ink signature on it. Mere copies are not acceptable.
44. Respondents agree I reserve the right to sue pursuant to Public Law 90-284 [ 18 U.S.C. 241, and 242 ], Public Law 103-141 [ 42 U.S.C. 2000bb, Religious Freedom Restoration Act of 1993 ], Public Law 39-26 [ 42 U.S.C. 1981, 1866 Civil Rights Act ] for deprivation of rights : and 45. Respondent ( s ) agree that failure to correct the credit reports to reflect my good name and good credit score within fourteen ( 14 ) days will be certified in a Default Judgment by the Notary to be issued and filed with the clerk of court ; 45. Respondent ( s ) agree and consent to XXXX XXXX without cost and agree to update late payments and remove collections judgments and charge offs and never place negative items on my credit report without my consent.
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10/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable .Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
1. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX 2. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX 3. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXXXXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
11. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account.
XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
12. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
13. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
14. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
15. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXXXXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number XXXX XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
17. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist ASAP.
XXXX XXXX XXXX Account Number XXXX XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
18. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report.
XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
19. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
20. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
21. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
22. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
23. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
24. Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/XXXX todays date : XXXX ssn XXXX RE : Investigation Request to Delete Credit unauthorized credit accounts on credit report if debt can not be validated.
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Pursuant 12 CFR 1006.34 - Notice for validation of debts section c states : Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
34 CFR 685.215 - Discharge for false certification of student eligibility or unauthorized payment. ( 5 ) Identity theft. In the case of an individual whose eligibility to borrow was falsely certified because he or she was a victim of the crime of identity theft and is requesting a discharge, the individual must ( i ) Certify that the individual did not sign the promissory note, or that any other means of identification used to obtain the loan was used without the authorization of the individual claiming relief ; ( ii ) Certify that the individual did not receive or benefit from the proceeds of the loan with knowledge that the loan had been made without the authorization of the individual; and ( iii ) Provide a statement of facts and supporting evidence that demonstrate, to the satisfaction of the Secretary, that eligibility for the loan in question was falsely certified as a result of identity theft committed against that individual. Supporting evidence may include ( A ) A judicial determination of identity theft relating to the individual ; ( B ) A Federal Trade Commission identity theft affidavit ; ( C ) A police report alleging identity theft relating to the individual ; ( D ) Documentation of a dispute of the validity of the loan due to identity theft filed with at least XXXX major consumer reporting agencies ; and ( E ) Other evidence acceptable to the Secretary.
( 6 ) Definition of identity theft.
( i ) For purposes of this section, identity theft is defined as the unauthorized use of the identifying information of another individual that is punishable under 18 U.S.C. 1028, 1028A, 1029, or 1030, or substantially comparable State or local law.
( ii ) Identifying information includes, but is not limited to ( A ) Name, Social Security number, date of birth, official State or government issued driver 's license or identification number, alien registration number, government passport number, and employer or taxpayer identification number ; ( B ) Unique biometric data, such as fingerprints, voiceprint, retina or iris image, or unique physical representation ; ( C ) Unique electronic identification number, address, or routing code ; or ( D ) Telecommunication identifying information or access device ( as defined in 18 U.S.C. 1029 ( e ) ).
( 7 ) Claim to third party. The borrower must state whether the borrower ( or student ) has made a claim with respect to the school 's false certification or unauthorized payment with any third party, such as the holder of a performance bond or a tuition recovery program, and, if so, the amount of any payment received by the borrower ( or student ) or credited to the borrower 's loan obligation.
( 8 ) Cooperation with Secretary. The borrower must state that the borrower ( or student ) ( i ) Agrees to provide to the Secretary upon request other documentation reasonably available to the borrower that demonstrates that the borrower meets the qualifications for discharge under this section; and ( ii ) Agrees to cooperate with the Secretary in enforcement actions as described in 685.214 ( d ) and to transfer any right to recovery against a third party to the Secretary as described in 685.214 ( e ).
( 9 ) Discharge without an application. The Secretary discharges all or part of a loan as appropriate under this section without an application from the borrower if the Secretary determines, based on information in the Secretary 's possession, that the borrower qualifies for a discharge. Such information includes, but is not limited to, evidence that the school has falsified the Satisfactory Academic Progress of its students, as described in 668.34.
( 10 ) Application for group discharge. A State Attorney General or nonprofit legal services representative may submit to the Secretary an application for a group discharge under this section.
( d ) Discharge procedures.
( 1 ) If the Secretary determines that a borrower 's Direct Loan may be eligible for a discharge under this section, the Secretary provides the borrower an application and an explanation of the qualifications and procedures for obtaining a discharge. The Secretary also promptly suspends any efforts to collect from the borrower on any affected loan. The Secretary may continue to receive borrower payments.
( 2 ) If the borrower fails to submit the application for discharge and supporting information described in paragraph ( c ) of this section within 60 days of the Secretary 's providing the application, the Secretary resumes collection and grants forbearance of principal and interest for the period in which collection activity was suspended.
( 3 ) If the borrower submits an application for discharge that the Secretary determines is incomplete, the Secretary notifies the borrower of that determination and allows the borrower an additional 30-days to amend their application and provide supplemental information. If the borrower does not amend their application within 30 days of receiving the notification from the Secretary, the borrower 's application is closed as incomplete and the Secretary resumes collection of the loan and grants forbearance of principal and interest for the period in which collection activity was suspended.
( 4 ) If the borrower submits a completed application described in paragraph ( c ) of this section, the Secretary determines whether the available evidence supports the claim for discharge. Available evidence includes evidence provided by the borrower and any other relevant information from the Secretary 's records and gathered by the Secretary from other sources, including guaranty agencies, other Federal agencies, State authorities, test publishers, independent test administrators, school records, and cognizant accrediting associations. The Secretary issues a decision that explains the reasons for any adverse determination on the application, describes the evidence on which the decision was made, and provides the borrower, upon request, copies of the evidence. The Secretary considers any response from the borrower and any additional information from the borrower and notifies the borrower whether the determination is changed.
( 5 ) If the Secretary determines that the borrower meets the applicable requirements for a discharge under paragraph ( c ) of this section, the Secretary notifies the borrower in writing of that determination.
( 6 ) If the Secretary determines that the borrower does not qualify for a discharge, the Secretary notifies the borrower in writing of that determination and the reasons for the determination.
( 7 ) A borrower is not precluded from re-applying for a discharge under paragraph ( c ) of this section if the discharge request is closed as incomplete, or if the Secretary determines that the borrower does not qualify for a discharge if the borrower provides additional supporting evidence.
INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$1900.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$3800.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$7400.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$3700.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$5600.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$7600.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$3300.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$3800.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$1100.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$1700.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$2500.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$1800.00} ) ( alleged account open date : XX/XX/XXXX ) I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
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09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have asked for proof that they are allowed to mark me late on my open end consumer credit plan per the following federal laws ; 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
On XX/XX/2023| filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX and Equifax have done nothing but give me difficult time on the telephone and correspondence generated by " XXXX XXXX '. ( " see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.
U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in XXXX XX/XX/2023 | filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by " XXXX XXXX '. ( " see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in this On XX/XX/2023 | filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by " XXXX XXXX '. ( " see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes XXXX I next ( a ) Block Except as otherwise provided in this XXXX XXXX O MO 5G al 9 % N LT PDF Save as PDF Copies : XXXX Paper size : PRODUCT Credit reporting, credit repair services, or other personal consumer reports PDF ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we wil typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT On XX/XX/2023| filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by " XXXX XXXX '. ( " see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in this /5 section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reportin g agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was r requested by the consumer in error ; ( B ) the information was blocked, ora block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1 681i ( a ) ( 5X ( B ) of this title. ( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency- ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding i dentity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained py the consumer reporting agency from any subsequent use, if- ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer pf the decision to block the file. Such notice shall contain the name, address, and telephone humber of each consumer reporting agency from which the consumer information was obtained for resale, ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check servicescompany, acting as such, which issues authorizations for theby any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding i dentity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained py the consumer reporting agency from any subsequent use, if- ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer pf the decision to block the file. Such notice shall contain the name, address, and telephone humber of each consumer reporting agency from which the consumer information was obtained for resale, ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
XXXX and Equifax thinks this law does not apply to them.
These are the issues with my credit reports : ( XXXX ) The addresses XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX are outdated and have been linked to fraud and identity theft by interrupting the forwarding of mail. ( see enclosed case numbers from the USPS ) THESE ADDRESSES NEED TO BE REMOVED EMPLOYMENT : My business name XXXX XXXX XXXX has been changed to XXXX XXXX XXXX ( see enclosed Certificate of Existance ) US Department of the Navy ( XXXX ) is my former employment ( XXXX ) The following inquiries are were not authorized or initiated by me : ( The first one I have been disputing for over a year ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRIES NEED TO BE REMOVED.
If the credit bureaus would actually contact the company listed as the inquirer, they would learn that they are instructing us incorrectly when telling us to contact the furnisher. They listen, check their systems for accounts but ultimately tell you to contact the bureaus.
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08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy I, XXXX XXXX, am verifying this is XXXX XXXX and there is no need to ask for validation. For reference, Ive attached my Drivers License and Social Security Card bearing my name and only valid address.
You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & ACCOUNTS, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 - Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to { {$1000.00} } per violation.
You shared my information with numerous creditors without getting my consent first. This is aggravated identity theft. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 - furnishing deceptive forms. You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. There is no law that says I have to pay a bill. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization. ( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed. Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms - I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts. They are inaccurate, please block and remove them.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX already requested and attached an official police report from my County police department ( report XXXX XXXX XXXX ). My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information. RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to a data breach/ identity theft by your company. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
This complaint is being sent after 3 separate letters to the credit bureau was sent on the following dates earlier this year : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response to my letters, I received stall letters asking me for additional identity verification - ID and proof of Citizenship ( which was provided in all of my letters ) ; or I received a stall letter stating I had a 3rd party create my letters sent to the credit bureau asking that the inaccuracies were addressed and therefore, the request was invalid ( because using a 3rd party was not allowed, which it is not AND I CREATED THE LETTERS MYSELF ). All of my efforts with the credit bureau to have these items removed were met to no avail.
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12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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EQUIFAX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPT OF ED/XXXX has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau XXXX I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau XXXX I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX U S DEPT OF EDXXXX ( XXXX Creditor : DIRECT LOANS ) has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau XXXX I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DPT EDXXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DPT EDXXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT ED has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXXt Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX U S DEPT OF EDXXXX ( Original Creditor : DIRECT LOANS ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions
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03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report.
2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report.
3. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX XXXX is not my employer. Delete it immediately from my report.
4. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
5. XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
6. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
7. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
8. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
9. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
10. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
11. Validate Account XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
12. Validate Account XXXX XXXX XXXX
Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
13. XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
14. Validate Account XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
15. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX XXXXThis is not my employer. Delete it immediately from my report.
16. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, -This is not my employer. Delete it immediately from my report.
17. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
18. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report.
19. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report.
20. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXXThis is not my employer. Delete it immediately from my report.
21. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX XXXXThis is not my employer. Delete it immediately from my report.
22. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
23. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
24. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX : SS # : XXXXXXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have never been late and I am demanding to see proof that I was pursuant to the following federal laws ; 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This company has yet to show me proof that I was ever late pursuant to the following laws : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) XXXX report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( XXXX ) XXXX not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( XXXX ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( XXXX ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy I, XXXX XXXX, am verifying this is XXXX XXXX and there is no need to ask for validation. For reference, Ive attached my Drivers License and Social Security Card bearing my name and only valid address.
You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & ACCOUNTS, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 - Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to { {$1000.00} } per violation.
You shared my information with numerous creditors without getting my consent first. This is aggravated identity theft. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 - furnishing deceptive forms. You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. There is no law that says I have to pay a bill. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization. ( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad condition that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed. Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms - I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts. They are inaccurate, please block and remove them.
Account Number Open Date XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I already requested and attached an official police report from my County police department ( report # : XXXX ). My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information. RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to a data breach/ identity theft by your company. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter. Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
This complaint is being sent after 3 separate letters to the credit bureau was sent on the following dates earlier this year : XX/XX/2023, XX/XX/2023 and XX/XX/2023. In response to my letters, I received stall letters asking me for additional identity verification - ID and proof of Citizenship ( which was provided in all of my letters ) ; or I received a stall letter stating I had a 3rd party create my letters sent to the credit bureau asking that the inaccuracies were addressed and therefore, the request was invalid ( because using a 3rd party was not allowed, which it is not AND I CREATED THE LETTERS MYSELF ). All of my efforts with the credit bureau to have these items removed were met to no avail.
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11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, XXXX, and Equifax continue to report this account XXXX XXXX account even after I have opted out of this information reporting to my consumer account. Any financial institution has to provide the consumer with an opt out notice every 30 days giving them the option to opt out of said information. I have received no notice from each reporting agency. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.
( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.
( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.
( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, the Trust Territory of the Pacific Islands, the Virgin Islands, or the Northern Mariana Islands.
( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.
( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.
( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after October 13, 2006.
( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.
( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).
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09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I requested proof that I was ever late pursuant to the following laws : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) XXXX report an account or amount as delinquent because the amount due under paragraph ( g ) ( XXXX ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) XXXX not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
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08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding multiple unauthorized credit inquiries that have been made on my credit report. I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ), specifically the sections detailed below. I kindly request your assistance in enforcing my legal rights and ensuring the accuracy of my credit report.
Unauthorized Inquiries : XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXXXXX | XXXXPlease remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX, XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXXXXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXXXXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXXXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Laws Violated : The unauthorized credit inquiries listed above potentially violate the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 604 : Permissible purposes for obtaining a consumer report.
Section 607 : Responsibilities of consumer reporting agencies to ensure the accuracy of consumer information.
Section 609 : Consumer 's right to request and dispute information in their credit report.
Section 611 : Procedures for disputing inaccuracies on credit reports.
Section 623 : Responsibilities of furnishers of credit information to investigate disputed information.
Personal Impact : These unauthorized credit inquiries have caused significant disruption in my life, extending beyond the financial realm. The uncertainty surrounding these inquiries has resulted in sleepless nights, persistent stress, and anxiety. I have always upheld responsible financial practices and have taken great pride in maintaining a positive credit history. The discovery of these unauthorized inquiries shattered my sense of security and exposed vulnerabilities I had never experienced before.
The emotional toll has been profound. I have been forced to allocate valuable time and energy towards rectifying a situation that I did not initiate. The fear of identity theft and the distress of navigating the complexities of unauthorized credit inquiries have been overwhelming, affecting not only my financial stability but also my mental and emotional well-being.
Request for Action : I respectfully request the following actions to be taken : Conduct a comprehensive investigation into the unauthorized credit inquiries mentioned above.
Notify the relevant creditors of the violations and demand the immediate removal of these unverified accounts from my credit report.
Ensure that my credit report accurately reflects my financial history by expunging all unauthorized inquiries.
In conclusion, I appreciate your attention to this matter and the opportunity to address these violations. The impact on my life has been deeply distressing, and I look to your expertise to facilitate a resolution that restores my peace of mind. I eagerly await your response and the subsequent steps towards rectifying this situation.
Thank you for your commitment to consumer protection.
Sincerely, XXXX XXXX
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10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have filed a police report because I have multiple errors on my credit report that I have tried to fix with Equifax directly so here I am reaching out to law-enforcement. There are versions of my name that are incorrect, addresses I do not recognize along with accounts that are Unverifiable and accurate Here is a copy of the letter I have already sent to Equifax.
Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SSN : XXXX XXXX : XX/XX/1984 To whom it may concern : These items must have been misplaced or inaccurate. I'm disputing these claims and demanding that any info about me being less than perfect just disappear from now on! The allegations that this information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these allegations.Your report contains several deviations from mandatory reporting standards. As such, the data in your documents can not be accurate and complete! I hereby challenge you to provide proof that it is right for you make these allegations about me.Document that you have complied with the reporting requirements, and report without any deviations. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesIt is crucial to remember that any mistakes in reporting can make the information less accurate. This has significant implications for both federally regulated reports and Metro 2 compliance standards, as XXXX states Any deviations from these standards jeopardize data integrityWith that said, I found some mistakes and inaccuracies in your report. This is why you need to investigate the validity of these inaccurate items so they can be replaced with more accurate ones or delete them altogether.You have a duty to ensure that my rights are being protected, and if you continue reporting claims which are not perfect then it shows carelessness. I don't think it's fair for you to report on me in a way that is unethical and doesnt meet the standards of certified reporting.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please make sure you remove any name in your system which does not match the first and last names listed on this letter.
CURRENT ADDRESS : My only address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Your system must remove any address that does not match the one listed on this letter.
XXXX XXXX - XXXX 7 Year History - Account Description : Equifax XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Individual Open XXXX Revolving Equifax XXXX Account # XXXX XXXX XXXX Account Status : Account Type : Account Rating : XXXX CollectionOrChargeOff -- COLLECTION ACCOUNT XXXX XXXX {$3000.00} XXXX -- CollectionOrChargeOff ChargeAccount XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SSN : XXXX XXXX XXXX XX/XX/1984 Balance Owed : XXXX {$2900.00} Credit Limit : XXXX XXXX Creditor Type : - DepartmentAndMailOrder Date Reported : XXXX XXXX Dispute Status : XXXX XXXX Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX Last Payment : XXXX -- XXXX : XXXX Loan Type : The information in this report was never confirmed to be in compliance with the required reporting standards. The information is also deficient in that it has not been verified as accurate, complete, timely, or validated. I demand that this information be deleted immediately, as it does not meet the required standards.
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
Viewing Credit Limit ( XXXX ) demonstrating XXXX. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation?
Lets examine Account Status ( XXXX ) showing Open. That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of XXXX reporting requirements or remove my information from this account immediately!
Upon inspecting Account Rating ( XXXX ) exhibiting CollectionOrChargeOff. I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the XXXX, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % Inquiries XXXX ) XXXX XXXX XXXX XXXX Equifax Since I noticed unauthorized inquiries on my personal credit report, I contacted the creditors who placed them and asked them to remove them and to cease their illegal activities. To date, they have failed to respond or honor my request, so I am reaching out to you for help. According to the Fair Credit Reporting Act, I request that you immediately initiate an investigation into this inquiry on my credit report to determine who authorized it. If, after your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you find the inquiry to be valid, I request that you send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
XXXX ) XXXX XXXX XXXX Equifax I didn't know that there were companies out there looking for my information. The company on my credit report was not familiar to me, but it looks like they put an inquiry on my credit report without getting my permission first. This is not possible unless they have something that has been approved by me under U.S Code & 1681 es seq section 604, which states that all users of consumer reports must have a permissible purpose. Please remove this or send me documentation proving how we can use these types of inquiries accordingly.
XXXX ) XXXX XXXX XXXX XXXX Equifax I received a copy of my credit report and was shocked to find an alleged hard inquiry on it. As you know, this is not something that should have been reported and if so then why did they let it happen? The Fair Credit Reporting Act states no one may access your information without permission from YOU first! Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax This is an inquiry on my credit file without me knowing. I think it's wrong and should be removed or proof provided that you have permission to pursue this course of action under 15 USC 1681 et seq., section 604 I am asking for documentation ( physical documents ) showing compliance with FCRA guidelines so please reply as soon as possible!
XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Equifax I was shocked to think that someone might make an unauthorized inquiry on my credit report. I can't believe that anyone would be able to see my credit information without my permission. The Fair Credit Reporting Act makes it clear that only people with the proper paperwork can see my credit information, so please provide these documents immediately or delete any potential inquiries related with this company.
XXXX XXXX XXXX XXXX XXXXXXXX Equifax I found some credit inquiries on my credit report that I didn't authorize. I didn't authorize anyone from these companies to view my credit report, which is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights, so please verify and validate this information with these companies and provide me with copies of any documentation with my signature on it. I formally request that these fraudulent inquiries be immediately deleted from my credit file. You have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.
XXXX ) XXXX XXXX XXXX Equifax! I was very disturbed to think that someone might be looking at my credit report without my permission. I can't believe that anyone would be able to see this information without my prior consent. The Fair Credit Reporting Act states that only those with a legitimate purpose can access credit report information, so please provide me with the documents that justify this inquiry immediately or delete any potential inquiries related with this company as soon as possible!
Yours Truly You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
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03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to file a dispute regarding the following creditors and their account numbers : XXXX XXXX. These creditors have violated multiple sections of federal laws that are in place to protect consumers such as myself.
Specifically, I believe that the creditors have violated the following provisions of the laws : FCRA Section 623 ( a ) ( 2 ) : The creditor may have violated this section by reporting inaccurate information to the credit reporting agencies.
FCRA Section 611 ( a ) : The creditor may have violated this section by failing to verify information with the credit reporting agencies.
FCRA Section 605 ( a ) ( 3 ) : The creditor may have violated this section by failing to disclose the date of last activity on the account.
FACTA Section 312 ( a ) : The creditor may have violated this section by failing to provide accurate and complete information to the credit reporting agencies.
FACTA Section 312 ( b ) ( 1 ) : The creditor may have violated this section by failing to disclose the date of last activity on the account.
ECOA Section 703 ( a ) ( 1 ) : The creditor may have violated this section by discriminating against the account holder, for example, by not providing a credit limit or reporting the same information accurately to all three credit bureaus.
FCBA Section 166 ( b ) ( 3 ) ( A ) : The creditor may have violated this section by failing to promptly investigate and correct billing errors reported by the account holder, specifically regarding the high balance reported to the credit bureaus.
As a result of the violations mentioned above, my credit report has been negatively impacted. The creditors in question have reported inaccurate information, failed to verify information, and discriminated against me as a consumer. This has had a significant impact on my life as I have been denied credit opportunities, housing, and employment opportunities due to the negative information on my credit report.
I want to urge you to take action to enforce these legal provisions and protect consumers like myself from these unfair practices. I request that the creditors remove the unverified collection account from my credit report immediately.
XXXX regarding my account number XXXX. The information being reported by the creditor has had a significant and negative impact on my creditworthiness, making it difficult for me to secure credit or loans, and I believe that there are several violations of federal law that have occurred in the way this account has been reported.
Firstly, I believe that XXXX has violated Section 623 ( a ) ( 2 ) of the FCRA by reporting inaccurate information to the credit bureaus. Specifically, the creditor has reported a high balance of {$4200.00} on XXXX and Equifax, but a balance of XXXX on XXXX. This discrepancy in reporting has resulted in inaccurate information being reported to the credit bureaus, which has unfairly impacted my credit score and creditworthiness.
Secondly, I believe that XXXX has violated Section 611 ( a ) of the FCRA by failing to verify information with the credit bureaus. XXXX is showing a Last Verified date of XX/XX/XXXX, but neither XXXX nor Equifax have reported any verification of this account. This lack of verification indicates that the creditor has not taken appropriate steps to ensure that the information being reported is accurate.
Thirdly, I believe that XXXX has violated Section 605 ( a ) ( 3 ) of the FCRA by failing to disclose the date of last activity on the account. This information is important in determining the accuracy of the information being reported and is required by law to be disclosed to the credit bureaus.
Furthermore, I believe that XXXX has violated Section 312 ( a ) of FACTA by failing to provide accurate and complete information to the credit bureaus. The creditor has failed to report the credit limit balance of {$3500.00} to XXXX, XXXX, or Equifax, which has resulted in incomplete and inaccurate information being reported.
In addition, I believe that XXXX has violated Section 312 ( b ) ( 1 ) of FACTA by failing to disclose the date of last activity on the account. The creditor has failed to provide this information to XXXX, XXXX, or Equifax, which has resulted in incomplete and inaccurate information being reported.
Furthermore, I believe that XXXX has violated Section 703 ( a ) ( 1 ) of ECOA by discriminating against me, the account holder. The creditor has not provided a credit limit or reported the same information accurately to all three credit bureaus, which has resulted in unfair and discriminatory treatment.
Finally, I believe that XXXX has violated Section 166 ( b ) ( 3 ) ( A ) of the FCBA by failing to promptly investigate and correct billing errors reported by me, the account holder. Specifically, I reported a billing error regarding the high balance reported to the credit bureaus, but the creditor did not investigate or correct this error in a timely manner.
These violations of federal law have had a significant impact on my life. The inaccurate information being reported by the creditor has made it difficult for me to secure credit or loans, and has resulted in higher interest rates and fees when I do qualify for credit. This has caused significant financial strain and stress for me and my family.
Therefore, I am requesting that XXXX remove these unverified collection accounts from my credit report immediately, in accordance with the requirements of federal law. I am also requesting that the creditor take appropriate steps to ensure that the information being reported is accurate and complete, and that all violations of federal law are corrected.
XXXX XXXXXXXX This account is reporting a high balance of {$3000.00} on XXXX, but XXXX and Equifax are both reporting a balance of {$0.00}. The Last Verified date, according to XXXX, was XX/XX/XXXX, although XXXX and Equifax did not report. Furthermore, the Date of Last Activity for Equifax is XX/XX/XXXX, and for XXXX it is XX/XX/XXXX.
I believe that the creditor has violated the following sections of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) : Section 623 ( a ) ( 2 ) : The creditor may have violated this section by reporting inaccurate information to the credit reporting agencies.
Section 611 ( a ) : The creditor may have violated this section by failing to verify information with the credit reporting agencies.
Section 605 ( a ) ( 3 ) : The creditor may have violated this section by failing to disclose the date of last activity on the account.
Section 312 ( a ) : The creditor may have violated this section by failing to provide accurate and complete information to the credit reporting agencies.
Section 312 ( b ) ( 1 ) : The creditor may have violated this section by failing to disclose the date of last activity on the account.
I am extremely frustrated with the impact that these inaccuracies have had on my life. Due to these errors, I have been denied credit, and I have been unable to secure financing for important purchases. As a result, I have had to pay higher interest rates and have been unable to make some purchases altogether.
It is imperative that these unverified collection accounts be removed from my credit report. I respectfully request that you take the necessary steps to enforce legal compliance and protect consumers like myself from these types of violations in the future.
XXXX XXXX XXXX has reported on my credit report. According to my credit report, XXXX XXXX has reported a high balance of {$5500.00} for both Equifax and XXXX. However, XXXX and Equifax did not report this information. Additionally, the Last Verified date according to XXXX was XX/XX/XXXX, but XXXX and Equifax did not report any verification.
XXXX XXXX has also failed to disclose the date of last activity on the account, violating Section 605 ( a ) ( 3 ) of the FCRA. Furthermore, XXXX XXXX may have violated Section 623 ( a ) ( 2 ) of the FCRA by reporting inaccurate information to the credit reporting agencies and violating Section 611 ( a ) by failing to verify information with the credit reporting agencies.
Under XXXX, XXXX XXXX may have violated Section 312 ( a ) by failing to provide accurate and complete information to the credit reporting agencies, and Section 312 ( b ) ( 1 ) by failing to disclose the date of last activity on the account. Additionally, XXXX XXXX may have violated Section 312 ( b ) ( 4 ) by failing to report the credit limit of the account.
These inaccuracies and violations have had a significant impact on my life. As a result of these errors, I have been denied credit and have had difficulty obtaining loans. This has caused undue stress and has made it challenging to provide for my family.
Therefore, I am requesting that XXXX XXXX remove these unverified collection accounts from my credit report immediately. I also request that XXXX XXXX take steps to ensure that accurate and complete information is reported to the credit reporting agencies in the future.
XXXX XXXXXXXX XXXX on my credit report. I believe that the creditor has violated several laws, including the FCRA and FACTA, in reporting this information.
According to my credit report, the account with XXXX XXXXXXXX XXXX has a high balance of {$6500.00}, whereas XXXX reports a balance of {$0.00} and Equifax reports a balance of {$5100.00}. Additionally, the credit limit for this account was not reported by Equifax, even though XXXX and XXXX recorded a credit limit of {$5100.00}.
Furthermore, there are discrepancies in the last verified dates and planting dates reported by the three credit bureaus. XXXX reports a last verified date of XX/XX/XXXX, while XXXX and Equifax report later dates. Additionally, Equifax 's planting date is listed as XX/XX/XXXX, which is earlier than the planting dates reported by the other two bureaus.
I believe that these discrepancies are a violation of several sections of the FCRA and FACTA. Specifically, the creditor may have violated : Section 623 ( a ) ( 2 ) : by reporting inaccurate information to the credit reporting agencies.
Section 611 ( a ) : by failing to verify information with the credit reporting agencies.
Section 605 ( a ) ( 3 ) : by failing to disclose the date of last activity on the account.
Section 312 ( a ) : by failing to provide accurate and complete information to the credit reporting agencies.
Section 312 ( b ) ( 1 ) : by failing to disclose the date of last activity on the account.
Section 312 ( b ) ( 4 ) : by failing to report the credit limit of the account.
This inaccurate information has had a significant negative impact on my life. As a result of these errors, my credit score has been negatively affected, making it difficult for me to obtain loans or credit. This has made it challenging for me to achieve my financial goals, such as buying a home or starting a business. It has also caused me significant stress and anxiety.
I request that the creditor remove these unverified collection accounts from my credit report, as they are inaccurate and a violation of the FCRA and FACTA. I also request that the CFPB enforce the legal provisions outlined above to ensure that creditors are held accountable for reporting accurate and complete information to the credit reporting agencies.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXXXXXX XXXX Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) TransUnion Account # : XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account # : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account # : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Creditor Name Type of Business Date of inquiry Credit Bureau XXXXXXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Below is an overview of your public records and can include details of bankruptcy filings, court records , tax liens and other monetary judgments. Public records typically remain on your Credit Report for 7 - 10 years.
Bankruptcy XXXX XXXX Equifax Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX Asset Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court XXXXXXXX XXXX XXXX XXXX XXXX Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - Bankruptcy XXXX XXXX Equifax Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXXXXXX Bankruptcy Status : Dismissed Dismissed Dismissed Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - Asset XXXX : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court XXXXXXXX XXXX XXXX XXXX XXXX Federal Liability XXXX {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : - - - Creditor Contacts Information about how to contact people and/or organizations that appear on this credit report is listed below.
Creditor Name Address Phone Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : XXXX XXXX XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX
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09/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Equifax sent me several letters stating that the accounts that I previously disputed were not on my credit report however upon checking my credit report on XX/XX/XXXX it shows that XXXX is still on my credit report and that it is a closed collection account. they stated that the accounts I disputed were not on my report, so why am I still seeing XXXX on my Equifax consumer report? I have not given them nor the creditor permission to furnish this account on my credit report also this shows that this is a collection account how can this be a debt that I owe if this debt was already paid for upon my signature and my social security number. I have blindly been paying that debt twice, I will let XXXX know that I am aware of their fraudulent and bad business practices. I now demand Equifax to, immediately upon notice of this billing error, delete the account from my consumer Equifax credit report. This account has been deleted by XXXX XXXX and XXXX because theyre investigation determined that it was never supposed to be on my consumer report to begin with. So why didnt Equifax delete the account along with the other two bureaus??? When one bureau delete something they communicate or are supposed to communicate their investigation results with the other bureaus so that the other bureaus can go ahead and delete the accounts as well. Their investigation determined that the account should not have been on my report so why am I seeing this on my Equifax consumer report still? When in fact they told me that it had been deleted and that it was not on there anymore see attachments below.
To whom it may concern ( CEO/Person of highest authorities ), I, XXXX XXXX XXXX The consumer and obligor has noticed a billing error. The creditor has failed to give me proper notice of this billing error several times. I have noticed every account statement is in invoice of indebtedness, also having a coupon/check attached to it. On this invoice the creditor is attempting to collect a debt that has already been paid. They claim that this is a debt that I owe. How is that possible if the amount that they're asking for isn't a negative balance? And how is it possible that this debt is still owed when my signature on my application is payment of the debt? I, XXXX XXXX ( the obligor and consumer ) I am giving proper notice of this billing error. This is my final attempt to clear and dismiss of any debt that the creditor claims that I owe. According to 15 USC 1666b " timing of payments '' states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' The creditor has failed several times to provide me ( the consumer/obligor ) with each periodic statement and information required by section 1637 ( b ) of title 15 USC 1666b . The creditor has not gave me proper notice within 21 days of the payment due date as required by 15 USC 1666b. What is a late payment? And how can that payment be late or past due if it is not a negative balance? How can a late, missed, or past due balance exist if my signature on my application for credit is payment of the debt? According to 15 USC 1666d " Treatment of credit balances '' States " Whenever a credit balance in excess of {$1.00} ( see attachments for full quote ) Every account statement has failed to demonstrate indebtedness. For example if I borrow {$20000.00} shouldn't my account statement show a negative $ XXXX? And every time I make a payment it would reduce that amount bringing the negative balance closer to {$0.00}? None of the account statements show a negative balance, only a positive balance. According to the law a positive balance means that there is a surplus. This " debt '' that the creditor claims I owe does not belong to me. According to 18 USC section 8 " Obligation or other security of the United States defined '' States " The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceledUnited States stamps. '' All debts public and private are an obligation of the united states. The creditor claims that I owe/owed this debt but what exactly am I paying for if the debt has already been paid for with my signature? The obligation has already been paid for. So why are they claiming that I owe/owed this debt? This billing error notice is also a notice of request for refund by I, XXXX XXXX ( the consumer/obligor ). According to 15 USC 1666d section A, section B, section C, States " A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. '' I am now requesting a refund of ALL payment paid AND dismissal and discharge of this debt. I XXXX XXXX ( the consumer/obligor ) I am also requesting that the accounts be ceased and desist IMMEDIATELY. I have blindly paid this debt twice. The creditor XXXX has fraudulently and illegally double dipped on payment of this debt. The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ( s ) ) creating a false belief that I owe this debt. According to 15 USC 1692J Furnishing certain deceptive forms '' States " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector The creditor has been racketeering and extorting money out of I, XXXX XXXX ( the consumer/obligor ) several times. This is totally illegal and they could go to jail for this. According to 18 USC 1961 " Definitions '' States 1 ) " racketeering activity '' means ( A ) any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, extortion, dealing in obscene matter, or dealing in a controlled substance or listed chemical ( as defined in section 102 of the Controlled Substances Act ), which is chargeable under State law and punishable by imprisonment for more than one year ; ( B ) any act which is indictable under any of the following provisions of title 18, United States Code : Section 201 ( relating to bribery ), section 224 ( relating to sports bribery ), sections 471, 472, and 473 ( relating to counterfeiting ), section 659 ( relating to theft from interstate shipment ) if the act indictable under section 659 is felonious, section 664 ( relating to embezzlement from pension and welfare funds ), sections 891-894 ( relating to extortionate credit transactions ), section 932 ( relating to straw purchasing ), section 933 ( relating to trafficking in firearms ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ), section 1084 ( relating to the transmission of gambling information ), section 1341 ( relating to mail fraud ), section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ), section 1351 ( relating to fraud in foreign labor contracting ) '' However, I am willing to overlook this matter AS LONG AS ALL of my request are resolved AND completed within 5 days of receiving this notice.
According to 15 USC 1666a " regulations of credit reports '' States, " ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title ( see attachments for full quote ) If my request is not resolved AND completed within the given time frame above, I will take this to higher authorities. The creditor now has 5 days within receiving this notice to refund me, clear/dismiss the debt, and cease and desist of the account. XXXX ( the creditor ) has also illegally stole my identity and sold it to several third parties. ( All attachments are considered " Attachment A '' ) These attachments show SEVERAL BAD BUSINESS PRACTICES/VIOLATIONS. There are about a total of 10-12 violations. I have been more than patient and nice trying to solve this with XXXX. They have failed to comply several times. Now is not the time for investigation for EITHER XXXX & Equifax!!!!!!!!!!!!!!!!!!!!!!!!!!!
Now is the time to PAY ME!! According to the laws. Iate, past due, or due payments do not exist. It is illegal for a credit to make you pay debt twice especially on your own extension of credit from your XXXX XXXX XXXX i currently have a lawsuit undergoing against XXXX and all three credit bureaus. They have also illegally sold this debt to several different debt collectors which is CLEARLY ILLEGAL AND FRAUD!!!! They have sold my identity several times!! ( see attachments below!
Now is time they settle with my request before this could get really bad for them! I am not being nice anymore.
Equifax also deleted accounts that i never gave them permission to delete!!! These were POSITIVE ACCOUNTS helping my credit score. I never disputed these accounts but they deleted them anyways. Equifax need to do any and everything in their power to get these accounts back on my credit report immediately ( see image below ) XXXX XXXX, XXXX XXXX XXXX
Ive locked and placed a security freeze on all accounts with all snitches so how is it that every time the bureaus complete an investigation they determined that things were accurate Ive asked them where and how do they verify the information they proceeded to tell me XXXX XXXX or clarity systems how is it possible that they are verifying information through XXXX XXXX and clarity systems if when in fact Ive placed a security freeze on all of the sources. There is clearly some fraudulent activities going on with the bureaus and this is illegal accommodate all of my request and I will leave them alone but if they dont they will pay!!
I AM NOT MY STRAWMAN I AM NOT MY SOE!!!!!!!!!!
Kind Regards, Natural person and consumer XXXX : XXXX UCC 1 308.4 Without prejudice/recourse
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03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am writing this dispute to report the following violations of the FCRA, FACTA, and TILA by the creditors whose names and account numbers are listed below : XXXX XXXX XXXX According to XXXX and Equifax, the account type was reported as a revolving account, while XXXX reported it as a credit card. Additionally, there was a discrepancy in the dates last active between XXXX and XXXXEquifax. These inconsistencies are in direct violation of Section 607 ( b ) - Accuracy of Information, Section 607 ( c ) - Reinvestigations of Disputed Information, and Section 623 ( a ) ( 2 ) ( A ) - Duty to Provide Notice of Dispute to Furnisher of the FCRA.
Moreover, the creditors have also violated Section 312 - Free Annual Disclosure of Consumer Reports, Section 312 ( a ) ( 1 ) - Conditions for Annual Disclosure, and Section 312 ( a ) ( 2 ) - Time and Manner of Requesting Disclosure of the FACTA, as they have failed to provide me with a free annual credit report despite my requests.
I have carefully reviewed each report and found significant inconsistencies regarding the account information provided by XXXX XXXX XXXX XXXX account number XXXX.
According to XXXX and Equifax, the account type was reported as a revolving account, but XXXX reported it as a credit card. Additionally, XXXX and Equifax reported that the account status was closed, while XXXX reported it as open. The reported balance was also inconsistent, with XXXX reporting {$300.00} and XXXX and Equifax reporting {$270.00}. The last reported date also varied, with XXXX reporting XX/XX/2023, XXXX reporting XX/XX/2023, and Equifax reporting XX/XX/2023. Finally, the dates last active were also reported differently, with XXXX reporting XX/XX/2023, XXXX reporting XX/XX/2023, and Equifax reporting XX/XX/2023.
These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ) which requires accuracy of information, Section 607 ( c ) which outlines procedures for conducting proper reinvestigations of disputed information, and Section 623 ( a ) ( 2 ) ( A ) which mandates the duty to provide notice of the dispute to the furnisher. Additionally, the inaccuracies violate the Fair and Accurate Credit Transactions Act ( FACTA ), specifically, Section 312 which requires free annual disclosure of consumer reports, Section 312 ( a ) ( 1 ) which sets conditions for annual disclosure, and Section 312 ( a ) ( 2 ) which outlines the time and manner of requesting disclosure. The Truth in Lending Act ( TILA ) was also violated by failing to provide accurate and complete disclosure of the terms and conditions of the account, violating Section 164 which outlines additional disclosure requirements and Section 164 ( a ) which sets general disclosure requirements.
Specifically, the account with XXXX, account number XXXX, is being reported differently by the XXXX credit reporting agencies. XXXX and XXXX are reporting the account as a revolving account, while Equifax is reporting it as a charge card. Additionally, XXXX and XXXX are reporting a monthly payment balance of {$38.00}, while Equifax is reporting {$44.00}. The last reported date and date last active are also different between the three agencies.
These discrepancies are violations of Section 607 ( b ), Section 607 ( c ), and Section 623 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Section 607 ( b ) requires that CRAs maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumers ' credit reports. Section 607 ( c ) outlines the procedures that CRAs must follow when a consumer disputes the accuracy of information in their credit report. Section 623 ( a ) ( 2 ) ( A ) requires that CRAs notify furnishers of information when a consumer disputes the accuracy of information in their credit report.
XXXX XXXX # XXXX XXXX reports that the account is a revolving account with a payment status of " paid or paying as agreed, '' while XXXX reports that it is a secured credit card with a current status but with three past due payments of 30 days. Furthermore, XXXX did not report the number of months on the account, while XXXX did not report the terms of the revolving account. These discrepancies are violations of Section 607 ( b ) of the FCRA, which requires that credit reporting agencies maintain accurate and up-to-date information on consumers ' credit reports.
Additionally, the reporting of different last reported dates and different date last active dates by XXXX and XXXX XXXX be a violation of Section 607 ( c ) of the FCRA, which outlines the procedures that CRAs must follow when a consumer disputes the accuracy of information in their credit report. If I previously disputed these items and the CRAs did not properly investigate and correct them, it would be a further violation of this section.
Furthermore, the failure of both XXXX and XXXX to provide notice of the dispute to XXXX XXXX # XXXX is a violation of Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires CRAs to notify furnishers of information when a consumer disputes the accuracy of information in their credit report.
XXXX XXXX is reporting different information to each of the three CRAs. XXXX shows the account as a revolving account, while XXXX reports it as a secured credit card. Additionally, the reported monthly payment amounts differ between XXXXXXXX/Equifax and XXXX, and the last reported dates are different across all three CRAs. These discrepancies may be a violation of Section 607 ( b ) of the FCRA.
Furthermore, the payment status and past due status reported by the three CRAs are also different, which may be a violation of Section 607 ( c ) of the FCRA if these items were previously disputed and not properly investigated and corrected.
Additionally, it appears that the CRAs failed to provide notice of my dispute to the furnisher ( s ) of the information, which may be a violation of Section 623 ( a ) ( 2 ) ( A ) of the FCRA.
XXXX ( Account Number : XXXX ). According to all three credit bureaus ( XXXX, Equifax, and XXXX ), I was 30 days late on XX/XX/XXXX, but I did not miss any payments on this account. This inaccurate reporting has severely impacted my credit score and has made it difficult for me to obtain loans or credit cards at reasonable interest rates.
I believe that the reporting of this late payment is a violation of Section 623 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) notify furnishers of information when a consumer disputes the accuracy of information in their credit report. If I previously disputed the late payment and the CRAs did not properly notify the creditor of my dispute, this may be a violation of Section 623 ( a ) ( 2 ) ( A ).
Additionally, there may be a violation of Section 611 ( a ) of the FCRA, which requires that CRAs investigate disputed information and either verify, correct, or delete it within a reasonable amount of time. If I disputed the late payment and the CRAs did not conduct a proper investigation or did not correct or remove the inaccurate information, this may be a violation of Section 611 ( a ).
Finally, there may be a violation of Section 607 ( b ) of the FCRA, which requires that CRAs maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumers ' credit reports. If the reported late payment is inaccurate and the CRAs did not take steps to ensure the accuracy of the information, this may be a violation of Section 607 ( b ).
XXXX XXXX ( account number XXXX ). I believe that this account has been reported inaccurately, and I request that the necessary steps be taken to correct this error.
According to my credit report from XXXX, the account status is listed as a collection account, with a payment status of seriously past due, assigned to a collection agency, attorney, or credit grantor 's internal collection department. However, I have never received any notification from XXXX XXXX regarding this collection account. I believe that XXXX XXXX has violated Section 623 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) notify furnishers of information when a consumer disputes the accuracy of information in their credit report.
Additionally, I have disputed this collection account with the CRAs, and they have not conducted a proper investigation or corrected or removed the inaccurate information. I believe this is a violation of Section 611 ( a ) of the FCRA, which requires that CRAs investigate disputed information and either verify, correct, or delete it within a reasonable amount of time.
Furthermore, the reported credit limit balance is listed as {$0.00} on XXXX, and Equifax did not report it at all. The date last active was reported as XX/XX/2023 on XXXX and XX/XX/2023 on XXXX, which is contradictory. I believe this is a violation of Section 607 ( b ) of the FCRA, which requires that CRAs maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumers ' credit reports.
Finally, I was not notified by the CRAs that this collection account was added to my credit report, which I believe is a violation of Section 605B of the FCRA.
According to XXXX, XXXX XXXX # XXXX reported a late payment on XX/XX/XXXX, but I have never missed a payment on this account.
I believe that XXXX XXXX and XXXX have violated several sections of the Fair Credit Reporting Act ( FCRA ), including : Section 623 ( a ) ( 2 ) ( A ), which requires that credit reporting agencies notify furnishers of information when a consumer disputes the accuracy of information in their credit report. If XXXX did not properly notify XXXX XXXX of my dispute, this may be a violation of Section 623 ( a ) ( 2 ) ( A ).
Section 611 ( a ), which requires that credit reporting agencies investigate disputed information and either verify, correct, or delete it within a reasonable amount of time. If XXXX did not conduct a proper investigation or did not correct or remove the inaccurate information, this may be a violation of Section 611 ( a ).
Section 605 ( a ), which requires that credit reporting agencies report accurate and complete information. If the reported late payment is inaccurate, this may be a violation of Section 605 ( a ).
Section 623 ( b ), which requires that furnishers of information conduct a reasonable investigation of disputed information and report the results of the investigation to the credit reporting agencies. If XXXX XXXX did not conduct a reasonable investigation of my dispute or did not report the results of the investigation to XXXX, this may be a violation of Section 623 ( b ).
These inaccuracies have had a significant impact on my life. I have been denied credit and financing, and I have had to pay higher interest rates and fees because of these false reports. As a result, I have had to delay important life events such as buying a home or starting a business.
I am requesting that XXXX XXXX and XXXX remove the unverified late payment from my credit report and take appropriate actions to ensure that this type of error does not happen again in the future.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 1 : XXXX XXXX XXXX XXXX XXXX Credit account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 2 : XXXX XXXX XXXX XX/XX/XXXX Credit account # 3 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 3 : XXXX XXXX XXXX XX/XX/XXXX Credit account # 4 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 4 : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Credit account # 5 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 5 : XXXX XXXX XXXX XX/XX/XXXX Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCEas related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA, my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
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08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX and Equifax continue to report a charged off account. Under federal law any consumer account that incurs a finance charge should be reimbursed to me the consumer withing 7 days upon the written request of the consumer. I have request XXXX XXXX to send my payment and I have not received it.
XXXX XXXX is not allowed to collect on a discharged debt. Per the IRS once a debt is discharged it is considered a certificate of indebtedness which is income and income can not be reported to the reporting agencies.
In XXXX XXXX terms and conditions they agreed not to share my information with non affiliates unless it was the credit bureaus, The only credit bureau recognized by the government is the CFPB and they do not furnish credit report.
Equifax, XXXX, and XXXX are independent companies with no affiliation to XXXX XXXX thus XXXX XXXX is breaking privacy laws by releasing my non public information.
1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
1026.13 Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
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01/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX XXXX my account was placed int oa forbearance status due to COVID-19. As of XXXX XXXX XXXX XXXX lists one sub-account as being paid on-time for XX/XX/XXXX. The second sub account lists a XXXX payment as late by thirty ( 30 ) days and Both sub accounts are due on the same day of each month. I have received zero bills since forbearance was initiated. I have confirmation of being placed in forbearance as of XXXX XX/XX/XXXX. The notion that I may somehow be able to retrieve an electronic bill even if I do not receive a bill in the mail presupposes that I have access to the internet at all times. It takes no note that I may not have internet access due to service interruptions caused by late payments due to loss or delay of financial deposits on account of the pandemic. Furthermore, CFPB statutes and enforcement require that a bill be mailed to me each month as a part of right of notice under due process. No notice can be received if the bill never reaches me. Further, a bill that is " generated '' but never mailed by XXXX XXXX. does not suffice as notice. Finally a bill that is generated outside of the established billing period, per the first bill, is not allowed under CFPB statutes and enforcement. Now, this mismanagement of account information by XXXX XXXX is not new. On XXXX XX/XX/XXXX, Mr. XXXX XXXX responded to XXXX XXXX complaints XXXX, XXXX, XXXX and XXXX. To date XXXX XXXX has offered me no relief for improper billing practices, nor relief for improper credit reporting. In fact, XXXX XXXX contends that XXXX XXXX is provided accurate information both to myself and the CRAs. XXXX XXXX concurs with my assertion regarding the timing of my first bill, " Your first payment for loan account XXXX XXXX and XXXX was XX/XX/XXXX. On XX/XX/XXXX, a monthly billing statement was mailed to your attention, which stated your payment due date would be XX/XX/XXXX. '' However, he switches tactics when addressing all subsequent statement generation dates and instead refers to the date a payment is due, " On XX/XX/XXXX, your monthly billing statement was mailed showing your payment due date of XX/XX/XXXX. On XX/XX/XXXX, your billing statement was mailed showing the payment due date of XX/XX/XXXX. On XX/XX/XXXX, you billing statement was mailed showing the payment due date of XX/XX/XXXX. On XX/XX/XXXX, your billing statement was mailed showing the payment due date of XX/XX/XXXX. I have enclosed copies for your review. '' He then excoriates me stating, " our statement was mailed on XX/XX/XXXX, allowing you more than a 20-day notice before your first payment due date, as we provide our customers coming out of a loan forbearance additional time to make payment arrangements for their loan accounts. '' To further his point he writes regarding my MPN signed with a now defunct banking institution, " 'I am not relieved of my responsibly and obligation to make such payments if I do not receive billing statements, and any other written payment notices from you. ' XXXX XXXX is tacitly attempting to provide an explanation as to why it is acceptable for XXXX XXXX to be non-compliant with Consent Order 2016-CFPB-0013 and violate the CFPB interpretation of 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, effectively claiming that while XXXX XXXX did not generate and provide me statements per Federal Law, their failure has no bearing on my payment history, status of my account, etc, because I am supposed to blindly make payments without consistent generation of statements. Effectively asserting, flaunting of federal law has caused no harm to me as a consumer even if their billing practices are illegal under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction. Now, under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, while there is a permissible variance to account for weekends, holidays, and differences in the number of days in months, billing cycles MUST BE EQUAL. In this context equal requires that the actual date of EACH statement not vary by more than four ( 4 ) days from a fixed day or date. The interval between the statement with date XXXX XX/XX/XXXX and the next subsequent statement generated on XXXX XX/XX/XXXX clearly falls outside the statutory definition of equal as applied to billing cycles for my student loans. XXXX XXXX XXXX asserts that I have not been harmed. XXXX XXXX then goes on to assert that my payment history is accurate and provides dates from his computing system sowing when payments were made. In fact he is so confident with the screen XXXX from the system which he uses for such data that he closed out complaint XXXX. Contrary to XXXX XXXX 's claim of reported payment history only furnished to the CRAs for XX/XX/XXXX, XXXX XXXX is currently reporting history thru XX/XX/XXXX, which as stated in XXXX is causally impossible given XXXX XXXX 's acknowledgment of the due date of the XXXX ( XXXX ) of each month. That is XXXX XXXX is reporting history thru XXXX XX/XX/XXXX, when the date of this complaint is XXXX XX/XX/XXXX. So, contrary to XXXX XXXX 's claim regarding no harm to me as a consumer for their illegal billing practices, I have been harmed. The inconsistency in their statement generation as established by the first ( 1st ) billing statement generation on XXXX XX/XX/XXXX, and their second statement generation date on XXXX XX/XX/XXXX falls outside of the established date of XXXX day of each month and the harm caused by such is reflected in their system reporting causally impossible payment history to the CRAs. For example, XXXX XXXX is supplying information to at least one ( 1 ) of the major three ( 3 ) CRAs in which my payment history goes from being reported to on-time for XX/XX/XXXX and XX/XX/XXXX, to suddenly being reported sixty ( 60 ) days past-due. Mr. XXXX XXXX 's statement to the CRA on XXXX XX/XX/XXXX are clear in that my first payment was not due until XXXX XX/XX/XXXX. So it is logically impossible that my payments would be suddenly past-due sixty ( 60 ) days for the period of XX/XX/XXXX. Nevertheless, XXXX XXXX is reporting the inaccurate history to XXXX and Equifax. This is in obvious contradiction to what Ms. XXXX XXXX claims XXXX is reporting to the CRAs. Moreover, XXXX is supplying payment history claiming that I am thirty ( 30 ) or more days late for the month of XXXX when the date for neither the payment due XXXX XX/XX/XXXX, nor the payment due XXXX XXXX would be thirty ( 30 ) days past-due -- today is XXXX XX/XX/XXXX. If this was a simple reporting error caused by the system of a single CRA, it would be one thing. Clearly this is inaccurate and unverifiable information that is being reported to at least all three ( 3 ) major CRAs. The somewhat seriousness, but hilarity in all of this is that there is a specific portion of XXXX XXXX 's response that acknowledges consent order violations, " We appreciate your concern about the Consumer Financial Protection Bureau ( CFPB ) announcement ; we are taking all appropriate steps to remedy the concerns. Your feedback is very important to us. We hope to have a future opportunity to meet and exceed your service expectations.We are deeply committed to serving you and your financial needs. It is important for you to know that making things right and restoring the faith you have in us is the very top priority for our entire XXXX XXXX leadership team. Nothing is more important than for you to experience the very best from us moving forward. '' So XXXX XXXX acknowledges that XXXX XXXX is in violation of 2016-CFPB-0013 and that XXXX XXXX is taking steps to remedy the non-compliance I pointed out. However, despite the illegal billing practices in violation of 2016-CFPB-0013, and outside what is permissible under statute, XXXX XXXX will do nothing to ameliorate the harm they have already caused me due to inaccurate reporting of payment history. These practices are not new, as the CFPB has issued consent orders in the past for this same behavior from XXXX XXXX, specifically citing the following violations : ( 1 ) unfair and deceptive practices related to payment allocation in violation of Sections 1031 and 1036 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536 ; ( 2 ) unfair practices related to payment aggregation in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 ; ( 3 ) unlawful practices related to payment aggregation in violation of Section 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), and Section 1022.42 of Regulation V, 12 C.F.R. 1022.42 ( a ) ; and ( 4 ) unfair practices related to the assessment of late fees in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. Per CFPB consent order 2016-CFPB-0013, the negative account information that XXXX XXXX is submitting to the CRAs is incorrect and must be immediately removed. At the end of the day, XXXX XXXX is doing a dance. On one hand they admit they are outside of what is statutorily permissible. However, they insist that no harm has been done because " I still have to make payments on my student loans. '' They fail to understand that the mysterious change in statement generation date between the first two ( 2 ) consecutive statements of XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, presents itself causally impossible payment history thru XXXX XX/XX/XXXX that is supplied thru eOSCAR to the CRAs. Each time I attempt to dispute this fact with XXXX, Exquifax, and XXXX, XXXX XXXX 's computing system supplies the same erroneous information. The bottom line is that errors in XXXX XXXX 's own systems has caused consistent damage to my credit files since XX/XX/XXXX. Any reasonable company would take efforts to correct the situation to make me whole. XXXX XXXX appears not to want to do such. To date XXXX has not stated they will fix the problem regarding the supply of causally impossible payment history to the CRAs for my student loans. So it would seem that XXXX will continue to cause harm to me as a consumer, and perhaps other consumers, with full knowledge that they are doing such, while providing no relief to me. On one hand, XXXX XXXX is will to partially acknowledge the errors, but then on the other hand claim that they are reporting factually accurate payment history, and seeking to deflect away from their own behavior by quoting a clause within my loan origination documents that they acquired from a now defunct banking institution. While the clause in the loan origination document is amorphous at best in that I may still owe the alleged amount on a loan, Mr. XXXX XXXX 's claim that the clause excuses XXXX compliance with federal statute is absurd. The CFPB 's interpretation of 12 CFR Part 1026 ( Regulation Z ) 1026 is clear. XXXX XXXX is not absolved of compliance to consent orders/ consent decrees, nor shields XXXX XXXX XXXX the CFPB 's enforcement of applicable statute. XXXX XXXX is exhibiting behavior that is non-compliant with 2016-CFPB-013 and is admitting they are in violation of 12 CFR Part 1026 ( Regulation Z ) 1026. XXXX XXXX appears content not to correct the problems with the information they are supplying to the CRAs and thus are indifferent to the harm they have caused and will continue to cause to me as a consumer.
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07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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AFFIDAVIT OF FACT
UNITED STATES OF AMERICA
ATTENTION: EQUIFAX
REXXXX XXXX XXXX XXXX - SSN # XXXX
Email: XXXX
To whom it may concern,
YOU BROKE THE LAW!
Pursuant to 15 USC 1681 (a)(1) - The banking system is dependent upon my consumer report being fair and accurate. After looking at my consumer report I realized that my report is inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished. Also, I was never notified during your companys initial investigation that you were going to report this information. This grave error has undermined my confidence in you companys procedures, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information in your companys database.
Pursuant to 15 USC 1681 (a)(2) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness.
Pursuant to 15 USC 1681 (a)(3) You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You were assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.
Pursuant to 15 USC 1681 (a)(4) You did not ensure that this information was accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if these transactions even took place. As a result of this my privacy was breached, and this violated my right to privacy. (See Exhibit A)
Pursuant to 15 USC 1681 (a)(d)(2)(a)(i) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether it took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be in my consumer report and in fact is a violation of my consumer rights.
Pursuant to 15 USC 1681 (a)(d)(2)(a)(iii) In your initial investigation, I was never given the opportunity to deny this information being communicated on my consumer report.
Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.
DEMAND FOR REMOVAL PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i
ALL NAMES, WITH THE EXCEPTION OF: XXXX XXXX XXXX
ALL ADDRESSES, WITH THE EXCEPTION OF:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
ALL PHONE NUMBERS, WITH THE EXCEPTION OF: XXXX
ALL EMPLOYERS, DUE TO THE FACT THAT I AM XXXX XXXX
COLLECTIONS:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
INQUIRIES:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
SOFT INQUIRIES:
XXXX XXXX XXXX EQUIFAX Soft Inquiry XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX
If all the accounts listed above arent removed in 10 days as stated in 15 U.S. Code 1681i(1)(A) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a(e) which I quoted above; I the consumer will seek remedy under 15 U.S. Code 1681n(a)(1)(A)(B)(2)(3) Civil liability for willful noncompliance.
TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for
(A) credit or insurance to be used primarily for personal, family, or household purposes. Except as provided in paragraph (3), the term consumer report does not include
(A) subject to section 1681s3 of this title, any
(i)report containing information solely as to transactions or experiences between the consumer and the person making the report.
(b) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
Pursuant to 28 USC 1746 (1) I declare (or certify, verify, or state) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XXXX XXXX XXXX
XXXX XXXX
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04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the accuracy of the credit report provided by XXXXXXXX XXXX XXXX ( XXXX ), as it contains numerous errors that have negatively affected my life. I am requesting that you take immediate action to enforce the legal requirements under the FCRA and FACTA.
First, I would like to highlight the specific violations of the law that have been committed by XXXX XXXX XXXX. According to the details you have provided : XXXX XXXX XXXX violated Section 607 ( b ) of the FCRA by failing to maintain reasonable procedures to ensure maximum possible accuracy of credit reports.
XXXX XXXX XXXX violated Section 611 ( a ) ( 1 ) ( A ) of the FCRA by failing to conduct a reasonable investigation into disputed information and report the results to the consumer reporting agency.
XXXX XXXX XXXX violated Section 623 ( a ) ( 2 ) of the FCRA by failing to promptly modify or delete inaccurate information in response to a dispute.
XXXX XXXX XXXX violated Section 312 ( a ) of the FACTA by furnishing inaccurate information to consumer reporting agencies.
XXXX XXXX XXXX violated Section 312 ( b ) of the FACTA by failing to establish and implement reasonable procedures to ensure the accuracy and integrity of information furnished to consumer reporting agencies.
XXXX XXXX XXXX violated Section 318 of the FACTA by failing to provide notice of negative information to consumers, including the date of delinquency.
XXXX XXXX XXXX violated Section 319 of the FACTA by failing to correct inaccurate information within 30 days of notice.
The inaccurate information reported by XXXX XXXX XXXX has had a devastating impact on my life. For example, the false reporting of two 30-day late payments has caused my credit score to plummet, which has made it difficult for me to secure loans, obtain affordable insurance premiums, and even rent an apartment. Additionally, the inaccurate account opening date, number of months, and last reported date have created confusion and further damaged my creditworthiness.
XXXX XXXX XXXX, has reported inaccurate information, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).
According to my credit reports from XXXX, XXXX, and Equifax, there are inconsistencies regarding the status of the account, the date opened, the number of months, the last reported date, and the comments. Specifically, XXXX reported the account as closed, while XXXX reported it as open, and Equifax reported it as paid. In addition, the dates opened and the number of months reported by XXXX and XXXX differed from those reported by Equifax. Furthermore, the last reported date by XXXX differed from those reported by XXXX and Equifax, and there were discrepancies in the comments reported by each agency.
These inconsistencies are clear violations of the following FCRA sections : Section 607 ( b ) The requirement to maintain reasonable procedures to ensure maximum possible accuracy of credit reports.
Section 611 ( a ) ( 1 ) ( A ) The requirement to conduct a reasonable investigation into disputed information and report the results to the consumer reporting agency.
Section 623 ( a ) ( 2 ) The requirement to promptly modify or delete inaccurate information in response to a dispute.
Furthermore, XXXX XXXX violated the following FACTA sections : Section 312 ( a ) The requirement to furnish accurate information to consumer reporting agencies.
Section 312 ( b ) The requirement to establish and implement reasonable procedures to ensure the accuracy and integrity of information furnished to consumer reporting agencies.
Section 318 The requirement to provide notice of negative information to consumers, including the date of delinquency.
Section 319 The requirement to correct inaccurate information within 30 days of notice.
This inaccurate information has had a significant negative impact on my credit score and my ability to obtain credit. For example, I have been denied loans and credit cards with favorable terms, and I have been charged higher interest rates due to the inaccuracies on my credit report.
XXXX XXXX XXXX Specifically, I am concerned about the incorrect information that they have reported on my credit report, which has affected my ability to obtain credit and loans.
I would like to bring to your attention the following violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) : FCRA Section 607 ( b ) - 15 U.S.C. 1681e ( b ) : The requirement to maintain reasonable procedures to ensure maximum possible accuracy of credit reports.
FCRA Section 611 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The requirement to conduct a reasonable investigation into disputed information and report the results to the consumer reporting agency.
FCRA Section 623 ( a ) ( 2 ) - 15 U.S.C. 1681s-2 ( a ) ( 2 ) : The requirement to promptly modify or delete inaccurate information in response to a dispute.
FACTA Section 312 ( a ) - 15 U.S.C. 1681j ( a ) : The requirement to furnish accurate information to consumer reporting agencies.
FACTA Section 318 - 15 U.S.C. 1681c-2 : The requirement to provide notice of negative information to consumers, including the date of delinquency.
FACTA Section 623 ( a ) ( 5 ) - 15 U.S.C. 1681s-2 ( a ) ( 5 ) : The requirement to notify the consumer of any action taken by the furnisher of information resulting from an investigation of a dispute.
The information provided by XXXX XXXX on my credit report is inaccurate and incomplete. For instance, the opening date of the account and the high credit balance differ between the XXXX and XXXX credit reports. Additionally, the payment status of the account is listed as a charge-off, which is incorrect since I never received any notice from XXXX XXXX regarding this charge off account. Furthermore, they never provided me with any paperwork related to this account, and the other credit bureaus did not report any negative information on my account.
XXXX XXXX XXXX and Credit Bureau Associates , and they are in violation of several laws, including the FCRA and FACTA.
First, XXXX has reported an inaccurate payment status as charge off without proper notification or paperwork, which is a violation of FCRA Section 607 ( b ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, XXXX has failed to maintain maximum possible accuracy of my credit reports, which is another violation of FCRA Section 607 ( b ). They also reported an inaccurate high credit balance, which is a violation of the same section of the law.
Secondly, Credit Bureau Associates has violated FACTA Section 312 ( a ) by failing to furnish accurate information to consumer reporting agencies. They have also failed to provide notice of negative information to consumers, including the date of delinquency, which is a violation of FACTA Section 318. In addition, they have violated FACTA Section 623 ( a ) ( 5 ) by failing to notify me of any action taken by the furnisher of information resulting from an investigation of a dispute.
XXXX XXXX XXXX regarding my account. The credit reporting agencies have reported different information regarding my account, including the Account Type Detail, Date Opened, high credit balance, credit limit, Last Reported date, and Comments.
I would like to bring to your attention that XXXX XXXX has violated several sections of the FCRA and FACTA. Specifically, XXXXXXXX XXXX has violated Section 607 ( b ) of the FCRA by failing to maintain reasonable procedures to ensure the maximum possible accuracy of my credit report. Moreover, XXXX XXXX has violated Section 611 ( a ) ( 1 ) ( A ) of the FCRA by failing to conduct a reasonable investigation into the disputed information and report the results to the consumer reporting agency. Furthermore, XXXXXXXX XXXX has violated Section 623 ( a ) ( 2 ) of the FCRA by failing to promptly modify or delete inaccurate information in response to my dispute. Additionally, XXXX XXXX has violated Section 623 ( a ) ( 5 ) of the FCRA by failing to notify me of any action taken by the furnisher of information resulting from an investigation of my dispute.
XXXX XXXX has also violated Section 312 ( a ) of FACTA by failing to furnish accurate information to the consumer reporting agencies. Moreover, XXXXXXXX XXXX has violated Section 318 of FACTA by failing to provide me notice of negative information, including the date of delinquency.
XXXX XXXX account with account number XXXX. According to the credit report, Equifax has reported the payment status as a charge-off, but I have never received any notification regarding this charge-off account from them. Additionally, they have never provided any paperwork to me, and the other two credit bureaus did not report any negative information on my account.
I believe that Equifax has violated the Fair and Accurate Credit Transactions Act ( FACTA ) Section 318, which requires creditors to provide notice to consumers when negative information is added to their credit report, including the date of delinquency. By reporting the payment status as a charge-off without providing any notice or paperwork to me, Equifax has failed to comply with this section of the law.
dispute the accuracy of the credit report provided by XXXX and Equifax. After reviewing my credit report, I noticed discrepancies in the reporting of information between the two credit bureaus, specifically with regards to the account number XXXX, which is being reported by XXXX XXXX XXXX as an unverified collection account.
According to XXXX, the last reported date for this account is XX/XX/XXXX, while Equifax is reporting the last reported date as XX/XX/XXXX. Additionally, XXXX is showing the last active date as XX/XX/XXXX, while Equifax is reporting the last active date as XX/XX/XXXX. These discrepancies raise concerns about the accuracy and reliability of the information being reported by the creditor.
As per the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and up-to-date information to the credit bureaus. If there are discrepancies in the reporting of information between different credit bureaus, it could be a violation of the FCRA. Additionally, if the creditor is reporting incorrect information such as the date of last activity or last reported date, this could also be a violation of the FCRA.
This inaccurate information on my credit report is having a significant negative impact on my life. I have been denied credit multiple times due to this inaccurate information, making it difficult for me to secure loans, obtain a mortgage, or even get a credit card. It has also caused me significant emotional distress, as I have been constantly worried about my financial future and how this will affect my ability to support myself and my family.
I urge you to investigate this matter and enforce the legal provisions of the FCRA to ensure that the credit bureaus and the creditors are providing accurate and reliable information. I also request that XXXX XXXX XXXX remove this unverified collection account from my credit report until they can provide evidence that it is valid and accurate.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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12/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .RE AGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... .. So DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me FCRA 623 ( a ) ( 7 ) negative information ( A ) Notice to consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency reporting credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
( II ) Notice effective for subsequent submissions. After proving such notice, the Financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of notice ( I ) In general, the notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
( II ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in lending act.
As I stated before, this is my final Request for you to do as you are governed by FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
I demand that you correct my account to show to paid as agreed-never late and remove the inaccurate data, or I will seek legal action and remedy, as I found out my right if you are victimize me by reporting false information about me to/on the credit bureaus.
XXXX Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties.
Acts XXXX, No. 1031, 1.
civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof where accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there 3 Years ... do whats right and delete these accounts as you are reporting false documents!!!
The following accounts listed on my Equifax as follows XXXX XXXX XXXX- over 3 years old, XXXX purchased anything from XXXX XXXX, not my debt and has been deleted and back on my credit as a new age debt with Equifax , never had contract XXXX XXXX XXXX- over 3 years old reporting as open even though its charged off. Equifax has it closed now open. Never had contract XXXX XXXX - 3 years old, reporting as bad debt when i closed account. Still reporting and never investigated properly with Equifax, never had contract.
XXXX XXXX- 3 years old and a XXXX balance. Still reporting with Equifax. Never had contract XXXX XXXX XXXX- 3 year remedy, sold debt but reporting open still cant report twice. Equifax Never had contract XXXX XXXX - reporting as open but has XXXX XXXX collecting debt, Double the trouble right!!! 3 years Close account and delete- Equifax . Never had contract XXXX XXXX. Debt is from XXXX XXXX who is reporting account as open which is charge off, two creditors collecting same debt, No contract XXXX XXXX- no contract.
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Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies.
( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion.
With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
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09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
RE : This is a complaint against Equifax INC. Credit Reporting for unfair credit reporting of XXXX XXXX Account XXXX, unfair credit reporting practices, inaccurate reporting, a negligent dispute investigation and erroneous investigation results.
On XX/XX/XXXX, I disputed the accuracy of the reporting of XXXX XXXX Account XXXX on my Equifax Credit Report. I explained that because I didnt receive the legal disclosure as required by 12 CFR 1026.23 ( b ) ( 1 ) Right of rescission that I was within the 3-year rescission period and didnt owe any payments. In fact, any payments made during the recission period were owed back to me. Therefore, there were no late payments on the account on the grounds of : 15 USC CHAPTER 41, SUBCHAPTER I : CONSUMER CREDIT COST DISCLOSURE : 1601 : It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Truth in Lending Act 12 CFR 1026.23 Right of Rescission : The Truth in Lending Act ( TILA ) was signed into law in XXXX to protect consumers from unfair and predatory lending practices. XXXX XXXX is required to abide by Federal Truth in Lending Act Laws. The auto loan from XXXX XXXX Account XXXX, falls within the parameters of the TILA.
I Had The Right To Rescind From XXXX XXXX XXXX Account XXXX : XXXX Right of rescission. ( a ) Consumer 's right to rescind. ( 1 ) In a credit transaction in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction except for transactions described in paragraph ( f ) of this section. XXXX Account XXXX had a security interest on it in the form of a title lien, and therefore fall within the requirements of 12 CFR 1026.23.
I Was Within The 3-Year Rescission Period Because I Never Received the Notice Required By 12 CFR 1026.23 Paragraph ( B ) : The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all the consumer 's interest in the property, or upon sale of the property, whichever occurs first. The notice required by paragraph ( b ) of 12 CFR 1026.23 is as follows : o ( 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. ( ii ) The consumer 's right to rescind the transaction. ( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. ( iv ) The effects of rescission, as described in paragraph ( d ) of this section. ( v ) The date the rescission period expires.
o ( 2 ) Proper form of notice. To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice.
During The Rescission Period, No Payments Were Due : 12 CFR Part 1026.23 ( c ) Delay of creditor 's performance. Unless a consumer waives the right of rescission under paragraph ( e ) of this section, no money shall be disbursed other than in escrow, no services shall be performed, and no materials delivered until the rescission period has expired and the creditor is reasonably satisfied that the consumer has not rescinded.
Since No Payments Were Due There Were No Late Payments : According to Equifax a late payment is a payment made after the due date and is generally reported after a 30-day period. According to 12 CFR Part 1026.23 ( c ) no payments were legally due, therefore, no payments were late. I made payments because I was unaware of my rights. Regardless, no payments were legally due or late.
I disputed the accuracy of the late payments reported on my Equifax Credit Report regarding XXXX XXXX loan Account XXXX on XX/XX/XXXX, through the Consumer Finance Protection Bureau system ( complaint XXXX ). I explained that I didnt make any late payments because legally no payments were due during the 3-year rescission period. Equifax responded by saying : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file.
Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : TRADE : XXXX XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY.
I argue that Equifax didn't investigate the complaint properly, fairly, or impartially, regarding the accuracy of the reporting, which is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( b ). An accurate and fair investigation wouldve been to find out if a copy of the notice of the right to rescind was sent to me with a copy of that notice provided by the furnisher of information ( XXXX XXXX ), or if I signed a waiver recusing my right to rescind and a copy of that waiver. Equifax didnt seek that notice. Equifax stated that they verified that the furnisher of the information, XXXX XXXX, was reporting the account accurately. I find that legally impossible because I know I didnt receive a notice of the right to rescind, and I didnt sign a waiver. A co-conspirator is a person who is part of a conspiracy, which is an agreement between two or more people to commit an illegal act. Equifax didnt properly investigate my complaint and sided with the furnisher of information. Therefore, Equifax is a co-conspirator in unfair credit reporting practices that are causing damage to my credit history, defaming my character, defaming my reputation, damaging my finances, causing harm to my well-being, impairing the efficiency of the banking system, undermining public confidence, and more. Equifax violated the following Fair Credit Reporting Act Laws undermining the purpose and requirements of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C.
1681 : Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By not accurately investigating my complaint Equifax didnt ensure maximum possible accuracy of information concerning my credit report regarding the XXXX XXXX account XXXX.
Equifax violated the FCRA by continuing to report inaccurate information ( late payments ) to my credit report regarding XXXX XXXX account XXXX.
The continued inaccurate reporting by Equifax caused undue hardship to me in the form of credit card denials, loan denials, rental property denials and caused an unfair and inaccurate depiction of me as a consumer.
The continued inaccurate reporting by Equifax caused me emotional distress beca
use Im being forced to file lawsuits against multiple companies simultaneously to repair the damages regarding unfair credit reporting practices and unfair debt collection practices. Equifax is statutorily required to have trained personnel. Trained personnel : Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to him pursuant to section 609 [ 1681g ] of this title. Therefore, the personnel handling the investigation of my complaint shouldve been trained to accurately investigate my dispute. Reinvestigations of Disputed Information : ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. o Equifax took over 45 days to investigate. A reasonable reinvestigation to determine whether the disputed information is inaccurate would have been to seek the disclosure notice required by paragraph ( b ) of 12 CFR 1026.23 and when it wasnt supplied the account shouldve been deleted completely or updated to reflect no late payments. o Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). There was no relevant information provided to me, verifying the accuracy of the late payments as it pertains to legally denying my right to rescind 12 CFR 1026.23 or regarding the 3-year rescission period during which no payments were due. There was no relevant information provided to me because there was no Right to Rescind Disclosure Notice to supply to the credit bureaus because Chase didnt follow the law 12 CFR 1026.23 and it wasnt provided to me. Without that information, the accuracy of the debt couldnt be verified. o ( 5 ) Treatment of Inaccurate or Unverifiable Information. ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX didnt verify the accuracy of the late payments by showing proof that I didnt have the right to rescind the loan or wasnt within my 3-year rescission period. Therefore, the information was not verified as accurate and shouldve been promptly deleted.
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07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Ive reached out to XXXXEQUIFAX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX EQUIFAX XXXX have XXXX XXXX XXXX multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX EQUIFAX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/EQUIFAX then XXXX you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt Experian/Transunion/Equifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of XXXX. Section XXXX26 of USA PATRIOT Act. Gramm-leach-Bliley .Ive reached out multiple times to all three of the consumer reporting agencies about fraudulent inquiries and fraudulent accounts. One is with Account name XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX as of XXXX XXXX for the amount of {$4800.00}. The other bank is XXXX for XX/XX/XXXX for the amount of {$1100.00}, I am aware that my Social Security number belongs to the Social Security administration . I never did a XXXX form giving consent for anyone to use my Social Security number. I have did a FTC report I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts.VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agency XXXX Account number XXXX Date opened XX/XX/XXXX Balance $ XXXX accordance with 18 U.S.C 8 and being that you ( XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXXNNOVICE DATA SOLUTIONS EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORTFRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is ( XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.
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07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party.
I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXX XXXX XXXX with Account # XXXX for a debt owed of {$590.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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04/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is notice to XXXX, XXXX and Equifax, that XXXX XXXX XXXX XXXX, are attempting to report a loan modification as of XX/XX/XXXX. Which is out of the California statute of limitations. California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are falsely and illegally stating that a loan modification had been attempted by the homeowners listed herein. There is no credit history of such and therefore is fraud and must be blocked. The home owners have dealt with this in the past and all three credit bureaus have deleted this information over and over. XXXX. has lied and stated that In your inquiries, you stated that the account has been paid in full and you included a document titled Tender of Payment Offering as proof of that payment. However, this document is not legal tender and is insufficient. It appears your intent for sending this document was to secure a release of your lien. To that extent, XXXX considers the document to have no legal validity, and believes presentation of this document constitutes an improper attempt to satisfy the obligation under the loan documents. As we have rejected DENIED this document for payment purposes, a satisfaction of the lien will not be recorded. XXXX requires funds in legal U.S. tender ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. They stated that this is not a legal currency when in fact it is US Currency and lawful money or legal tender. This is to inform XXXX XXXX XXXX XXXX that this is US Legal Tender as stated " The ownership of all property is in the state by virtue of the government " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) Thus the agency must fine XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for this false statement which is perjury! XXXX XXXX XXXX XXXX, has presented on behalf of XXXX XXXX XXXX XXXX XXXX a fraudulent document. The Document alleges that we the home owners signed a loan modification XX/XX/XXXX to a home loan as of XX/XX/XXXX. The documents are newly created and have upset the homeowners to an extent of new lawsuits taking place and being filed. The document presented as a loan modification has never been seen before this day and time XX/XX/XXXX XXXX. In fact if the agencies receiving this document look and see the signatures don't match the ones forged on the home loan alleged to be done and signed on XX/XX/XXXX we will attached a signature analysis to prove that point. As well when the home owners requested that the Banks involved including XXXX whom does not legally exist as a mortgage company was asked to present these documents over ten years ago.
XX/XX/XXXX by a XXXX XXXX a customer assistance specialist, whom stated in a letter that we were in default and that they could offer a loan modification on that date so where did the XXXX XXXX document come from? Please advise! This letter from XXXX XXXX a customer assistance specialist days after a request for loan documents verification and variation was requested by the home owners on XX/XX/XXXX stating by the manager XXXX XXXX. Validation - Does not qualify by way of a letter in the mail dated XX/XX/XXXX when a foreclosure sale date is set for XX/XX/XXXX. The laws or home owners bill of rights state ; Restriction on dual track foreclosure : Mortgage servicer are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. But the loan modification presented was forged and fraud. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. This never happened! Also the home owners learned of the sale from their neighbors and the website XXXX.XXXX Not from a letter alleged by XXXX
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification.
Verification of documents : Lenders that record and file multiple unverified documents will be subject to a civil penalty of up to {$7500.00} per loan in an action brought by a civil prosecutor. Lenders who are in violation are also subject to enforcement by licensing agencies, including the Department of Business Oversight, the Bureau of Real Estate. Also the notice of foreclosure and sale must happened 120 days before and there are no signatures of confirmation for such information thereto the home owners at that location. Nor on record with the county of XXXX XXXX Registrar of Deeds.
Enforceability : Borrowers will have authority to seek redress of material violations of the new foreclosure process protections. Injunctive relief will be available prior to a foreclosure sale and recovery of damages will be available following a sale. ( AB 278, SB 900 ) Tenant rights : Purchasers of foreclosed homes are required to give tenants at least 90 days before starting eviction proceedings. If the tenant has a fixed-term lease entered into before transfer of title at the foreclosure sale, the owner must honor the lease unless the owner can prove that exceptions intended to prevent fraudulent leases apply. ( AB 2610 ) Tools to prosecute mortgage fraud : The statute of limitations to prosecute mortgage-related crimes is extended from one to three years, allowing the Attorney Generals office to investigate and prosecute complex mortgage fraud crimes. In addition, the Attorney Generals office can use a statewide grand jury to investigate and indict the perpetrators of financial crimes involving victims in multiple counties.
Tools to curb blight : Local governments and receivers have additional tools to fight blight caused by multiple vacant homes in their neighborhoods, from more time to allow homeowners to remedy code violations to a means to compel the owners of foreclosed property to pay for upkeep. ( AB 2314 ) The California Homeowner Bill of Rights marked the third step in Attorney General XXXX response to the states foreclosure and mortgage crisis. The Mortgage Fraud Strike Force was created in May 2011 to investigate and prosecute misconduct at all stages of the mortgage process. In XX/XX/XXXX, Attorney General XXXX secured a commitment from the nations five largest banks for up to {$18.00} billion for California borrowers.
Also the XXXX XXXX County Registrar of Deeds the seller and or alleged buyer must settle the Mechanics lien in the amount of {$2.00}, Its important to know that there is a statute of limitations for filing a lien in California. Californias mechanics lien foreclosure deadline ( the date when a lawsuit must be filed to enforce the lien ) is one of the quickest in the country. Liens must be foreclosed within 90 days from the date the lien was filed.Therefore, its a good idea to immediately take steps toward collecting on the lien. If you remain unpaid, it may be time to make arrangements to foreclose the lien.
California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.
Handwriting expert shows the signatures does not match the home owners, No credit history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, No such loans are listed on Homeowners credit history past or present.
The homeowners submitted a tender of payment as directed by XXXX XXXX XXXX XXXX employees whom spoke with the home owner on or about XX/XX/XXXX, she stated that the payments hadn't been received due to being mailed to the wrong address, so she suggested the address of XXXX XXXX XXXX XXXX. Attention. Remittance Over Night Ad XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. They said that the payment could be in a money order coupon or check. The payment was received and XXXX XXXX XX/XX/XXXX XXXX XXXX or XXXX XXXX XXXX are a FHA lender and are a National Associated Bank, whom can received the Tender Of Payment. The Federal Emergency Relief Act of 1933 states that The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) The ownership of all property is in the state by virtue of the government " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) I also feel that they have stated falsely that i have somehow committed a crime by making this payment of this type.
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12/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Dear CFPB : I am hoping that you can help me get some relief. I have been inaccurate and unverified information that is continuing to being reported by Equifax, XXXX and XXXX on my credit reports. I have also disputed these inaccurate/unverified items directly with the creditors. While some inaccuracies were corrected, some still remain. I have been trying to prepare to purchase my first home, and these inaccuracies are KILLING my credit scores, are holding me back from home ownership. I have even called EACH of the bureaus on NUMEROUS occasionsno easy task! I have spent a great deal of time and money ( another hard task as a single mom, solely supporting her children, and working very long hours! ) trying to get these bureaus to follow the laws dictated in the FCRA/FDCPA that protect consumers like me from this, and I ABSOLUTELY CAN NOT BELIEVE how easily the bureaus blatantly disregard them! I believe I have done my job as a consumer, and am being ignored over and over. Therefore, I am hoping you can help meI really can not afford the time or money for an attorney, but if you recommend that route, I guess I will have to. I have tried to include as much evidence as possible, but if there is ANYTHING else I can get to you, please let me know!
Here is the situation : I started disputing with Equifax, XXXX AND XXXX after seeing several inaccurate, incomplete unverified, and erroneous accounts they are reporting on my credit report. I requested that they correct the accounts to report ACCURATELY, verify the information they are reporting, provide proof of their results, and correct each violation or delete it off my credit report.
The bureaud did NOT protect my rights as a consumer by complying with the reporting requirements SPELLED OUT FOR THEM in the FCRA/FDCPA. Their negligent non-compliance is causing me unnecessary harm and damage. Below you will find the specific accounts, with specific details of all of the violations and inaccuracies : Equifax : 1. Portfolio Recovery Assoc/Acct # CAPIT- # XXXX I have disputed this inaccurate information with Equifax XXXX on XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number : XXXX XXXX- see attachment 1 ) and I also disputed directly with the company, too- for the following inaccuracies and violations : The type of account being reported is INACCURATE ( see comments ) ; there is no current status ; no reported date of last activity ; and no reference to original creditor, nor address for me to dispute directly with original creditor ; the date of first delinquency is inaccurate as well, and there is no past due amount owed. ( See attachment 2 and 7 ) As remedy, I would like this account removed and blocked from reporting on my credit report since they are continuing to report false information 2. Portfolio Recovery Assoc/Acct XXXX In the same dispute letters on XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number : XXXX XXXX- see attached, attachment 1 ) and I also disputed directly with the company for this account, too ) I disputed another account for similar inaccuracies and violations : The type of account is WRONG ( see comments ) ; there is no current status ; no reported date of last activity ; and no reference to original creditor, nor address for me to dispute directly with original creditor ; the date of first delinquency is ALSO inaccurate as well, and there is no past due amount owed. ( See attachment 3 and 9 ) I would ALSO like this account removed entirely for the numerous inaccuracies and violations of both the bureau, and the creditor/collector.
TransUnion : I then reviewed my TransUnion report, found more inaccuracies and violations, disputed on similar dates : XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number : XXXX-see attachment 4 ) and they too have supposedly investigated and verified the inaccurate information on the following accounts : 3. XXXX # XXXX I repeatedly disputed the inaccuracies reporting in the payment history, which XXXX allegedly verified as accurate.. How can I go from paying on time to 60 days late the next monthit doesnt make sense! And how does the account have a payment status of current The account was closed and transferred in XXXXdoesnt it have to be marked as transferred?!? ). How is the payment status even current? Also, the date updated never changed, PROVING they never even investigated this! ( see attachments 5 and 6 ) Another VIOLATION!
I would like all the late payments removed from this account, or the entire account removed completely.
XXXX. XXXX # XXXX I encountered a similar situation with this account, also disputed on : XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number XXXX XXXX-see attachment 4 ) TransUnion is continuing to reporting inaccurate late payments that they supposed verified as accurate, an inaccurate date of last activity, and an erroneous current account status, yet the date updated never even changed, PROVING they failed to even investigate!! ( see attachments 5 and 6 ) I would like all the late payments removed from this account, or the entire account removed completely.
In those same disputes, dated XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number : XXXX-see attachment 5 ) I disputed MORE inaccurate information which XXXX continues to verify and report as accurate 5. PORTFOLIO RECOVERY/ # XXXX The balance is inaccurate, and so is the date of last activity! ( see attachments 7 and 8 ) TransUnion is reporting a date of last activity of XX/XX/XXXX, Experian is reporting a date of last activity of XX/XX/XXXX, and Equifax is reporting one of XX/XX/XXXX. ( See attachment 9 ) Obviously, they are trying re-age this account! I have also disputed the past due amount ( how is there a past due amount on a collection to begin with?!? ) I am asking to have this account removed for the numerous inaccuracies and violations, mainly for continuing to willfully and recklessly report false information when notified of the errors, and their failure to correct it!
6. PORTFOLIO RECOVERY/ # XXXX In those same dispute letters dated XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number : XXXX-see attachment 4 ), I disputed this account for an inaccurate different date of last activity, inaccurate balance, a past due amount and inaccurate payment status, yet they CONTINUE to verify it as accurate! ( see attachment 8 and 9 ) I would also like this account removed ENTIRELY for continuing to willfully and recklessly report false information when notified, and their failure to correct it!
I also disputed the following collection accounts with XXXX ( sent certified mail, receipt number : XXXX-see attachment 4 ) 7. XXXX XXXX XXXX XXXX # XXXX 8. XXXX XXXX XXXX XXXX # XXXX 9. XXXX XXXX XXXX XXXX # XXXX I definitely do not EVER RECALL having accounts with the reported original creditor. ( see attachment 11 ) After XXXX verified these accounts as accurate, I asked for the method of verification they used to determine the accuracy of their reporting, ( which was on XXXX XXXX, XXXX ) and sent another letter to them disputing the fact that a past due amount is even reporting on a collection account. I STILL have not received a single document, verifying the accuracy of these accounts, yet they CONTINUE to report these! In XXXX response to my request, stated they verified each account, and continue to report the numerous violations causing me more harm and damage. In addition, although I presented a written request for XXXX to provide and deliver any proof and documentation they collected during their investigation, yet they refused to provide even a single document collected, or any information whatsoever.
So I went and I disputed these accounts directly with the collection agency reporting them ( sent certified mail # XXXX-see attachment 10 ) requesting validation that these accounts even belong to me, and if so, how these amounts were determined?!? I have NEVER received anything even proving these accounts are mine, yet they continue to report them on my credit report. I then contacted the original creditor who claim they have no knowledge of the accounts in question. I really can not afford to pay them, if they do not belong to me. I have no idea what to do now, and it is really frustrating me!
I would like these unverified accounts removed, and blocked from ever damaging me again.
Experian : I then reviewed my Experian report -- and Experian did not fail to correct as many errors as the other 2 bureausthey still failed to correct some inaccuracies I found, and continue to report them after being notified of the errors disputed numerous times, sent on XX/XX/XXXX, XX/XX/XXXX ; via XX/XX/XXXX ( sent certified mail, receipt number : XXXX -see attachment 12 ) I notified Experian of the multiple inaccuracies on the following account : 10. Portfolio Recovery Assoc/Acct # XXXX This is a collection account that I disputed with them for reporting an inaccurate date of last activity, re-aging my account ( see attachment 13 ), along with an inaccurate current status ( see attachment 9. ) ( I also disputed directly with the original creditor, to no avail. ) Yet, 3 times Experian supposedly verified the accuracyIMPOSSIBLE. The status date NEVER changed, proving they did not even bother to investigatea blatant VIOLATION of the FCRA!
I would like this account removed for these inaccuracies and violations!
I then disputed the following account with them, for similar reason : 11. Portfolio Recovery Assoc/Acct # XXXX I disputed this collection account with them for multiple inaccuracies/violations, too : mainly reporting an inaccurate date of last activity, which is re-aging my account ( see attachment 14 ), along with an inaccurate current status ( see attachment 7. ) Yet, 3 times Experian supposedly verified the accuracy of this account, tooIMPOSSIBLE again. Also, yet AGAIN, the status date NEVER changed, proving they did not even bother to investigateanother VIOLATION!
I would also like this account removed for these inaccuracies and violations!
Finally, Experian continues to report the following account inaccurately, too : 12. Citizens XXXX # XXXX Like XXXX XXXX disputed both AES/Citizens accounts, and while Experian fixed one account to reflect accurately, this other account is still reporting a late payment history ( See attachment 15 ) They are ALSO reporting a CURRENT payment status of 180 DAYS late! ( See attachments 6 and 16. ) The account has been transferred, so how can they report a current status?!? On top of that, the status updated date never changed either, after claiming they investigated and verified these inaccuracies. It still says XX/XX/XXXX, even those it was last month! How on earth is this legal???
Please help me address the non-compliance of Equifax, XXXX and XXXX and force them to ensure their reporting is ACCURATE, COMPLETE, and VERIFIABLE, so that consumerlike meare not harmed the bureaus failures to follow very clear laws. I appreciate any help/guidance you can offer, as I dont know where to go from here..
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07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Also Known As : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX XXXX
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06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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I truly can't believe the after the what must be hundreds of hours on the phone, writing letters, checking reports, faxing, email snail mailing, certified mailing.. that in the end, after two years of being an identity theft victim I find myself ready to finally just throw my hands up and say " forget it. '' over a hundred dollars a month in reporting fees to stay on top of the never ending on slot of fraud that hits my reports regularly. I pay for XXXX XXXX report, Equifax 's Premium, XXXX Premium, XXXX 's XXXX and XXXX Premium. And no.. its not because I am crazy or obsessive or love having my credit score be the sole fixation of my life.
It's because the credit bureaus are actively fighting back on a daily basis against my legitimate paperwork, the facts they can not deny and the knowledge I have developed about how each on of them play their games to block you from being able to recover fully from anything so that you have to keep paying them to ensure you havent let anything slip by.
In the two years of fighting fraudulent applications, nonstop inquiries, fraudulent loans that are somehow taken out on a social security number I have been told numerous times by people in the industry " has been deleted from public record '' I just don't know what else to do. Persistence has literally aged me at least a decade.. my feet swell from sitting in a chair so long at work and then the rest of the night writing statements like this one, my wife and XXXX have to constantly endure a life absent of me while I mount a never ending battle against those that determined to see us destitute . And even if I were to use every word I know to convey this to a credit bureau agent, whether is be by phone, certified letter, fax or upload- and believe me I do all four.. they seem so desensitized by the day to day attempts at thwarting the system that they are failing an active participating family hard.
My daughter and I almost died due to a XXXX XXXX just before XXXX last year- we immediately served our landlord with a fix or quit letter who immediately served us with a lawsuit. That seems to be the running theme of the world lately, total, disgusting, unconscionable, completely devoid of morals or empathy and a complete lack for the well-being of anyone but themselves and theirs.
Well it just so happens that this apartment complex was also ground zero for my wife and I 's major credit issues. We moved into, at the time what we believed to be a " neat '' thing '' Smart Apartment. It came with a router preinstalled for the smart features and a big perk was cable and internet being ready to go upon move in. One " perk '' we were unaware of was the hacker that had taken over that router- whether previous tenant or one of the many short term business stays they took in.. This hacked for 6 months we came to find out, had our computers completely taken over and logged, our phones, our wallets ... even our credit reports I am pretty sure as XXXX still has never bothered to investigate how inquiries were allowed to penetrate one of their freezes.
So with that being said- and believe me if that is 300 words- that is 290 more words than the credit bureaus agents let me get out before hanging up on me or cold transfering me to an unmonitored voicemail box. I get the feeling when I am speaking with these agents that they do not believe a word of what I am saying as I am always met with such anger, callousness, straight hatred when I even mention the acronym FCRA or the world Block. They always cut me off and file 90 day disputes no matter what I say or the fact that I have 4 police reports, 4 FTC reports and mountains of supporting documents that I have sent them. And yes it is ridiculous to have 4 police reports.. It should be clear that if I have one FTC report and one Police report for " Identity Theft '' that clearly there is going to be more identity theft than what is mentioned at the time of the police report.
I have had to obtain 4 or 5 of each when it has come to 6 months to a year of battling fraudulent data that I just can't get them to follow the law on. They actively screen my calls- whatever they see when they open my report instantly changes the tone of their voice and I have received 1 or 2 letters that pretty imply I am lying. That a sane person would definitely apply for the same XXXX XXXX credit card 13 times in a row in a two week period.
And you know what I can deal with all of that- they want to treat my familys future like a game.. then FINE i'll play the game even though its rigged. But I dont know how to play if I can't see the board. And that is what it has come to. It started with XXXX in XXXX of 2019. My report stopped updating, I stopped receiving the notifications that I paid a fortune for. I spent countless hours on the phone with the " Special Handling Fraud '' team and their online team as they sent ticket after ticket " up '' which never came back with any answer as to why it access to my report was slowly fading away.
I soon after learned that due to something totally unrelated and equally insane.. that my wife and I had been " deleted from public record '' due to XXXX XXXX XXXX entering our information into what one of their employees called " their master brain computer '' incorrectly. They entered me and my wife in as " Cust1 '' and " Cust2 '' when we went into to change providers, devices and phone numbers due to the hacker that was harvesting our data on our old ones. So now.. to this day.. I can no longer be verified FOR ANYTHING. My family has been stuck living in a hotel room since last XXXX through a Pandemic because of identity theft, the credit bureaus and of all entities.. XXXX XXXX XXXX .
SO I legitimately believed that this was causing an issue with my XXXX report and I spent months trying to convince them of this.. I eventually and still do think I have a split file.. In fact their online team insists that I do while the only team I am allowed to discuss my report with- also the team that is in office the least and the least accessible, the " specialized fraud team '' states that I do not. Well now it has gotten so bad that XXXX XXXX, XXXX, XXXX themselves, etc.. I can not view my report on any of the sites normal people can. All sites either say error or that I do not have a file or do not have enough history to have a file.. I am XXXX I definitely do.
Well its gotten to the point where my own bank can't even identify me, XXXX by my social and when attempting to open a personal account, even though I had four business accounts with them- they couldnt do it without a credit check and me coming in to a bank. In doing so- I was stalled for days because there was no way to remove the free that had been put on my report. I log into my paid profile and there is no info there and it just says " Freeze Status Unknown.. '' I call the number put in my pin it says there is an issue an hangs up. I talk to a rep and they cant help me because only the specialized handling team can and they arent in until Monday.
I could go on for days about how bad this has actually gotten for me but I literally have to move on to another credit issue after this one and I still haven't even gotten a chance to sleep yet tonight and its XXXX.
So I finally after no joke 3 hours of trying, 4 hang ups, 2 we do not have a direct line to the United States, 4 long and serious identity checks of which all are passed.. I finally get to this team today. The guy couldn't care less and doesn't understand why I am not just satisfied with fixing whatever problem of the day is wrong with my report. He then goes on to tell me that MY REPORT HAS BEEN BLOCKED THE ENTIRE TIME ON PURPOSE BY XXXX. The infuriates me.. They have no idea how much time, money, effort and my whole freaking life for the last 2 years I have put in to getting my family out ahead of this.
And not only did they perpetrate this false issue with my report for over 6 months and drive me absolutely mad, put strain on my marriage, my childs life, my health.. But they charged me {$24.00} a month to do it. This agent remained short and when I asked questions that made perfect logical sense just stuck to his script. " My credit report was blocked online for my own protection due to fraud '' and " no there is no one that can unblock it. '' According to him my only was of obtaining my report is to spend three hours attempting to get ahold of that exact department any time I sense fraud because they aren't even allowed to tell me whether or not there is anything derogatory on it or not.
I am AN IDENTITY THEFT VICTIM I am the one that needs to see it regularly. Blocking me from it while still allowing others to dictate it and use it against me and my family should be and I am pretty sure IS AGAINST THE LAW.
His only response was to ask me if I would like him to mail me out one- to which I attempted to explain to him that besides the fact that what he is saying is insane and clearly just a method for XXXX to not have to deal with identity theft victims because their whole deal is selling PERSONAL information.. but as we are unable to rent or buy a home due to creditworthiness I DONT HAVE A PERMANENT ADDRESS AND THEREFORE NEVER RECEIVE THE REPORTS WHEN THEY SEND THEM. In fact our address has been officially changed so many times now by someone other than us that my wife and I, despite having a PO BOX do not receive ANY MAIL AT ALL. NONE. So them sending my reports out to whatever address they have put on my file this week is not helping.
Whats worse is now all three reports have started to do it. The ONE ONE I can still even see ( because I pay A LOT for it ) is XXXX ) and they wont let me dispute anything, upload documents, or do anything outside of look at the fraud hitting my report daily anymore. Now their agents act like every inquiry that is fraudulent and or every inaccurate detail needs its own FTC and Police Report attached or they out right refuse to do anything.
This last round of Police and FTC reports to address accounts that have been left to sully my reports for months have all been faxed and certified mailed in and I have confirmed been received.. and despite them removing transunion claiming ( because I can not see it ) to remove all of the fraudulent information- 2 collections and 1 fraudulently opened and delinquent account, XXXX who manages to grab a snapshot every couple months or so.. just reported that they did in fact remove all of that.. which should mean my report is 100 % derogatory free.. great credit mix, great payment history, decent debt to income ration ( 48 % ) considering.. yes I still only have a XXXX credit score. How is this?
Equifax and XXXX.. yea they just completely ignored all of the documents and all I can do is keep sending them until someone with a soul responds. This needs to be fixed immediately my family deserves a home of our own. It has eaten away at every bit of our savings and I fear what we are heading to with wrecked ( or non existent/hidden ) credit scores, no savings and no access to credit. I really do.
Please Help- this is XXXX me.
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03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In accordance with the Fair Credit Reporting Act, the listed account below has violated my federally protected consumer rights to privacy, confidentiality and accuracy under 15 U.S.C. 1681.
XXXX account number : XXXX XXXX of 2020, XXXX reported an inaccurate 30 days late payment notice to XXXX, Equifax, and XXXX consumer credit bureaus. This late payment was disputed by the borrower and XXXX deemed this late pay to be inaccurate, and removed this report from all three credit consumer bureaus. They did not remove this late payment report from the co-borrower consumer credit report which was also reported to XXXX, Equifax, and XXXX consumer credit bureaus. XXXX disputed this report directly to XXXX and was verbally promised the error would be corrected. When it was not removed from XXXX, XXXX, or Equifax consumer credit bureaus, consumer opened disputes with each consumer credit bureau through their procedural channels. XXXX confirmed the late pay and a note of consumer disagreement was added to the consumer credit report of each consumer credit bureau, and was removed as promised by XXXX, and as had been removed for XXXX.
Therefore, XXXX has violated the federally protected consumer rights as stated in : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 58 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) In general. Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably deter- mines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
59 611 - 15 U.S.C. 1681i 611 - 15 U.S.C. 1681i ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice. A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standard- ized form describing the general nature of such informa- tion.
( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the 60 person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer. If any information that has been de- leted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of Results of Reinvestigation 61 611 - 15 U.S.C. 1681i 611 - 15 U.S.C. 1681i ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the comple- tion of the reinvestigation, by mail or, if authorized by the con- sumer for that purpose, by other means available to the agency.
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or complete- ness of the information; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; 62 ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
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01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am receiving a complaint against XXXX and Equifax. I submitted a complaint on XX/XX/2022 regarding the same issue. The complaint number is XXXX.
I am outraged that this is XXXX and the complaint is still open and I get an email from the company to elaborate on my complaint this morning.I don't know how much clearer I can get by showing a pictureof the duplicated account that they can't even close and say paid as agreed never late or delete it.I have also called XXXX and told them about this too and yet the representative says they see it but it's still remains on my credit report!!
I am protected under The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner. Banks and other lenders use this information to make lending decisions. Right now your inaccuracy is harming my credit worthiness!
I am also protected under the UCCC The Uniform Consumer Credit Code, also known as UCCC, is a guide to state law that governs how lenders treat consumers.
Its purpose is to protect consumers from predatory lending and minimize misinformation among other regulations. The Uniform Consumer Credit Code is a code of conduct designed to protect consumers from misinformation or fraud that could be caused by creditors or lenders.
16 CFR 313.4 ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1666 - Correction of billing errors a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
YOU ARE SUPPOSE TO CORRECT THIS AND NOT BILL ME!
According to 47 U.S. Code 222 requires telecommunications carriers to provide confidentiality for customer information as proprietary information of another common carrier. Carriers are prohibited from disclosing customer information except as required by law or with the customer 's permission.
16 CFR 1026.13 & D1-3 15 47 USC In accordance with 1026.11 ( 1 ) ( 2 ) Each time a payment is received, your account is deemed to be credited immediately. This is an infraction. Each time a balance is greater than {$1.00} ( the dividend check ), the corporation is supposed to forward the funds to my account.
( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. Paragraph 11 ( a ) ( 3 ).
Your company is also in violation with the following rules : Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) You are not abiding by these laws Equifax & XXXX! You are putting my credit, and way of life in jeopardy!!
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01/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 1 : XXXX XXXX XXXX in the amount of {$560.00} Credit account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 2 : XXXX XXXX XXXX in the amount of {$470.00} Credit account # 3 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 3 : XXXX XXXX in the amount of {$840.00} Credit account # 4 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 4 : XXXX XXXX XXXX in the amount of {$490.00} Credit account # 5 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 5 : XXXX XXXX XXXX in the amount of {$720.00} Please accept this as my Official Writ Composition Notification in lawful declaration of your DE-FICIENT of compliant reporting and demands for you to become suitably and substantially com-pliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the XXXX XXXX data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your alle-gations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence ade-quately validated claims.
This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate XXXX XXXX COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am request-ing validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Report-ing Act, along with my corresponding local state laws. Please note that I am requesting valida-tion ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which addi-tionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit re-ports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete re-porting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allega-tion of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your sub-mission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE en-try.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a chal-lenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ 1,000+ per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have on-ly true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibil-ity to this account of MINE, however if you are unable or unwilling to present the mandated prova-ble documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative as-pects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate re-porting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subter-fuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law.
I've previously sent a of residence, driver license, and social security card to the bureaus, so please avoid requesting such information- it will not be tolerated. Yes, I give full permission and authorization to the bureaus to open up a dispute on my behalf.
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10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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I have been attempting to have my name and address changed with Equifax since XXXX.
After extensive amounts of time on the phone with their XXXX XXXX XXXX Department, I was given this exact information to file a dispute.
Fax # XXXX I was to fax a copy of the court order for my name change, a copy of my updated Social Security Card, and a copy of my updated drivers license.
I faxed this information, along with a detailed cover letter that included my old and new names, my current address that is noted on my current drivers license and my email address and phone number. I also stated in the cover letter, if you have any further questions, please contact me.
All of this was faxed on XX/XX/XXXX at XXXX EST, at a cost of {$9.00} and I received a confirmation print out that the fax went through successfully.
After not getting any communication regarding my dispute request by mail, email or phone, I called back on XX/XX/XXXX - the appropriate 30 days to have this change completed. It should be noted that somewhere during this 30 days I began receiving sales emails from Equifax. When I called I was sent to the Equifax Customer Care Team at XXXX. I spoke to XXXX. After a lot of digging he told me that my credit dispute information was updated with my new name and gave me the confirmation # XXXX referencing this call. It was already concerning me that it took him so long to find my updated information that should have been readily available under my social security number.
On XX/XX/XXXX I pulled a copy of my credit report with Equifax. My new name is on a credit report with only 6 months of history. I am XXXX years old and have at least XXXX years of credit history under my old name. Additionally, under Personal Information on the credit report, it has nothing noted in their Formerly Known As section. Meaning my previous legal name is not listed in the file and my previous credit history is not attached to my new name.
I called Equifax again on XX/XX/XXXX and spoke to an agent, XXXX, Agent ID XXXX. After a long time searching and digging she said she found my original credit history, with my old name, under the address that I last lived at 4.5 years ago. She said she also found the paperwork that I faxed on XX/XX/XXXX, but none of my dispute was updated. She said at this time they could not use the documentation I had sent in XXXX and could not/would not say why. She said I would need to resend the documents. I questioned why we needed to resend the documents ( again at my cost ) if they already had the documents. She didnt know, she guessed that maybe it was the size of the drivers license. Which you should note, was already blown up to 1/3 of the size of the page. She could not or would not explain why 1. They did not contact us as per the cover letter to question or inform us of the issue, or 2. Why they would have all the other information and not enter it into the system. I then verified the fax number I had sent to previously, and she said it was correct. Then, I read to her the entire cover letter that was sent with my documentation. She said the letter was perfect and included everything needed to have the dispute completed. I then asked for a direct phone number of who I could contact to verify that my paperwork was received after faxing it again. I was given the number XXXX. I was told it would not go to a direct person, they didnt have direct numbers, but whoever answered that number could verify the receipt of my paperwork ( again ). At this point XXXX volunteered the timeframe stating that my name change and address would be added to my social security number and my long-standing credit history within 24 hours of receipt of the fax. I specifically said, so I can call back after 24 hours and it would be completed. She said yes. I repeated this information back to her and questioned her three times for each element to verify that what I was sending and where I was sending it was correct, and that my information would be received and updated within 24 hours. And she again agreed and said yes, I could call back and get confirmation 24 hours after sending my fax.
Following the phone call, my wife and I pulled together all of the previous information required, including increasing the size of the drivers license and social security card to at least half the size of an 8 by 10 page each. I then faxed an updated cover letter dated XX/XX/XXXX and noted XXXX name and agent ID number in the letter. I faxed all of the required information at XXXX EST. Again, at a cost of {$9.00}.
Please note, at this point, based on what we can see and what we are being told - records associated with my social security number include record 1. Attributed to my previous legal name, the address listed from 4.5 years ago and my full credit history. At the same time, we have seen record 2, whereby my current legal name is somehow attached to the same social security number with a 6 month credit history, but not combined.
How is this legally possible? How has two separate people with the same SSN not raised flags? And what are they doing with the records being sent to them as per their required process, where 1. someone was able to begin adjusting the account, 2. XXXX told us she found the paperwork, but apologized that no one completed the process, but 3. as you are about to read, resulted in 2 people now no longer able to locate the first nor second set of dispute paperwork sent per their process.
On XX/XX/XXXX at XXXX EST I called back the number given by XXXX XXXX XXXX. The person who answered said they could not answer my dispute questions at that number and transferred me XXXX at XXXX. We explained that the 800 number was given to us by XXXX and that anyone answering at this number would be able to help and find our faxed disputed information. He did literally did not care and transferred me. We next spoke to XXXX. I once again provided background on the entire situation to this point, including the guy who just transferred me. XXXX said she was going to look for my documentation and put me on hold. XXXX came back and said she could not find any of my paperwork- not from XX/XX/XXXX or from XX/XX/XXXX. At this point I asked to speak to her manager. I was on hold, she checked in with me after 15 mins, and told me her manager was wrapping up a call and would be with me soon. I spent a total of more than 45 mins waiting for him to pick up my call when XXXX finally answered at XXXX EST on XX/XX/XXXX. By this point I was furious.
I proceeded to explain this entire situation from beginning to his 45 min wait ; even indicating to him that it was a wait time long enough for us to begin filing this complaint. At this point he went to look for the paper, and once again informed us that they could not find either the paperwork from XXXX, which only two days ago XXXX was able to find. Nor, could he find the paperwork sent on XX/XX/XXXX. During the ensuing conversation, XXXX informed us 1. He does not even know where the fax machines are located nor who is responsible for the data entry, 2. That all they can do is look for the files in my records rather than any hard copies, 3. That despite the fact that XXXX found the paperwork on XX/XX/XXXX, that he and his underling XXXX were incapable of finding the same files, 4. Began to suggest again that we send the paperwork a third time, at my expense. At which point I wanted to speak to HIS manager. At this point he offered to let me speak to someone in another department. Neither my wife or I caught the name of the department. It sounded something like consumer protection. He then suddenly backtracked, and started questioning the timeline of events. At this point, we again repeated the events, having already given him the timeline of events, that we spoke with XXXX two days ago. On Wednesday, at which time she volunteered and we confirmed multiple times, that from receipt of the fax it would take 24 hours to be entered into the system, and I could call after the 24 hour period to confirm. We sent the fax that evening on Wednesday, XX/XX/XXXX at XXXX EST, therefore we gave it until Friday afternoon to follow up.
Now XXXX suddenly says, we actually have to wait 3-5 days *please note he never said business days*, just 3-5 days, which, at this point angered us even more. As XXXX had not only volunteered the 24 hour time frame, we confirmed it multiple times. Now somebody else, having already been told the 24 hour timeframe, is now changing that to 3-5 days.
This is by no means the first, and we fear not the last, time in this process that employees of Equifax ( as well as XXXX and XXXX ) have told us and provided different and or conflicting information.
At this point we 1. Indicated that we would be filing this complaint, 2. We said we would wait 5 more days ( a week ) to follow up again, and concluded the conversation.
Our plan, as of this writing will be to 1. Wait until Thursday, XX/XX/XXXX or Friday, XX/XX/XXXX, which places us at ( business ) days 6 and 7. 2. If this problem continues, we will re-file this complaint. 3. We will be contacting our state representative to request that she investigate all three credit bureaus policy and procedures around name changes. 4. And pursuing with our rep and other interested parties a requirement and oversight that all credit reporting agencies are to update and provide a central company-based name change form, including allowing digital records, to streamline and create a better and more efficient and modern day process. It is irresponsible and as this experience has shown us, a waste of time, money and effort, that these companies require fax or US Postal Service delivery of such sensitive materials throughout the name change process. During COVID it was one thing, out of necessity, to send such documents through the mail, which at other times are provided in person. But when arguably trillions of dollars in commerce is conducted online via secure websites, worldwide, daily ; these three reporting agencies require individuals to send sensitive, life altering documents via the mail, or to an unknown, unmanned fax machine that personal experience now demonstrates, easily loses said documents. Its time they begin to invest in secure digital transmission for the protection of individuals and expediency in the process.
Not only should these companies be updated by the social security administration, but if they are going to require citizens to do this on their own, they should be required to provide a simple, straightforward and confirmable process by which to make these changes. What my wife and I have discovered throughout this process, is that it is apparently easier for someone to steal another persons identity than it is for an individual to maintain and oversee their own identity. I have no idea why these three companies were deemed the gatekeepers of citizens financial identity ( personhood ) but if this is to continue, they MUST be held to a higher standard than they are providing the American public. This can not be allowed to continue.
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04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the inaccuracies on my credit report and request that you enforce the legal provisions that protect my rights as a consumer.
My name is XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX, CA XXXX. However, my credit report contains several incorrect addresses that do not belong to me, such as XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, NC XXXX, and XXXX XXXX XXXX XXXX, CA XXXX XXXX This incorrect information has caused confusion and potential harm to my credit profile.
According to my credit report, there are multiple unverified accounts and incorrect information, including wrong personal information and addresses that do not belong to me. The information on my report is inaccurate, incomplete, and unverifiable. I have contacted the credit reporting agencies several times to dispute this information, but no action has been taken to correct the errors.
These inaccuracies have had a significant negative impact on my life. As a result of the incorrect information on my credit report, I have been denied credit, employment, and housing opportunities. I have also been subjected to harassing phone calls and letters from debt collectors, even though I do not owe the debts they are attempting to collect.
These violations have caused me undue stress, financial loss, and emotional distress. I am a responsible individual who has always paid my bills on time and maintained good credit. However, because of the inaccuracies on my credit report, I am being unfairly penalized.
I request that you enforce the following laws to correct the inaccuracies on my credit report : FCRA Violations : Section 1681e ( b ) of the FCRA requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports. Section 1681i ( a ) of the FCRA requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within a specified period and correct or delete any inaccurate, incomplete, or unverifiable information.
FACTA Violations : Sec
tion 609 ( g ) of the FACTA requires credit reporting agencies to block the reporting of any information that a consumer identifies as resulting from identity theft. ECOA Violations : Section 202 of the ECOA prohibits di
scrimination against applicants based on race, color, religion, national origin, sex, marital status, or age. Regulation B of the ECOA prohibits discrimination against applicants based on other factors, such as address or zip code.
FCBA Violations : Section 1666 of the FCBA requires credit card issuers to promptly investigate and correct billing errors reported by consumers.
I demand that the creditor remove all unverified accounts and incorrect information from my credit report and take appropriate steps to ensure that my credit report is accurate and complete. I also request that you provide me with a copy of my corrected credit report and inform me of any actions taken to correct the inaccuracies.
dispute several inaccuracies and violations on my credit report, specifically related to the account with XXXX and account number XXXX.
According to my credit report from XXXX and XXXX, the account status is listed as closed, but Equifax still shows it as open. Additionally, all three credit bureaus report that I was 30 days late on XX/XX/XXXX, despite the fact that I did not miss any payments on this account. Furthermore, XXXX and XXXX report that the last payment date was XX/XX/XXXX, but Equifax reports it as XX/XX/XXXX. The date opened is also inconsistent, as XXXX and Equifax report it as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. Lastly, XXXX and XXXX report that the date reported was XX/XX/XXXX, but Equifax reports it as XX/XX/XXXX.
These inconsistencies have had a significant impact on my life. As a result of these inaccurate reports, I have been denied credit and have had to pay higher interest rates on loans. This has made it difficult for me to secure financing for important purchases, such as a new car and home.
I believe that these inconsistencies violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Real Estate Settlement Procedures Act ( RESPA ).
Specifically, the credit reporting agencies have violated Section 1681c of the FCRA by failing to follow reasonable procedures to ensure the maximum possible accuracy of credit reports. Section 1681e of the FCRA has also been violated by the agencies for failing to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports. Moreover, Section 1681i of the FCRA has been violated as the agencies have failed to conduct a reasonable reinvestigation of the disputed information and correct or delete any inaccurate, incomplete, or unverifiable information. Additionally, Section 1681g of the FCRA has been violated as the credit reporting agencies have failed to disclose the dates on which accounts were opened and closed, as well as the date of last payment.
Furthermore, the debt collector for this account has violated Section 807 of the FDCPA by using false, deceptive, or misleading representations in connection with the collection of this debt.
In addition, Section 1641 of the TILA has been violated as the creditor failed to provide certain disclosures to me, including the identity of the person to whom the debt has been assigned.
Finally, Section 2605 of RESPA has been violated as the loan servicer failed to respond to my inquiries and complaints about the mortgage loan in a timely manner.
My credit report lists several creditors with account numbers and details that are incorrect and damaging to my credit score. I have contacted the credit reporting agencies to correct these errors but have not received satisfactory responses. As a result, I am turning to your organization to help enforce the legal requirements of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Real Estate Settlement Procedures Act ( RESPA ).
One of the creditors on my report is XXXX with the account number XXXX. According to all three bureaus, I was 30 days late on XX/XX/XXXX, but I did not miss any payments on this account. XXXX and Equifax are showing the payment status as current, but XXXX is showing it was late 30 days. XXXX is showing the date of last activity as XX/XX/XXXX, but XXXX is showing XX/XX/XXXX, and Equifax did not report anything. XXXX and XXXX are showing the date reported as XX/XX/XXXX, but Equifax is showing XX/XX/XXXX. XXXX and Equifax are showing the date opened as XX/XX/XXXX, but Equifax reported XX/XX/XXXX.
These discrepancies have greatly impacted my life. As a result of this incorrect information, I have been denied credit, lost job opportunities, and been subject to higher interest rates and fees. I have been working hard to improve my credit and these inaccurate reports are hindering my progress. The information provided by XXXX is clearly inaccurate and misleading, violating several provisions of the FCRA including sections 1681c, 1681e, 1681i, and 1681g. Additionally, XXXX is violating section 807 of the FDCPA, section 1641 of the TILA, and section 2605 of RESPA.
my legal rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).
As you are aware, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of credit reports under Section 1681c of the FCRA. However, the following creditors have reported inaccurate information on my credit report : XXXX XXXX XXXX XXXX ( Account number XXXX ) According to Equifax XXXX I was 120 days late on XX/XX/XXXX, but I did not miss any payments on this account. The account type is showing as a collection account, but it is not a collection account. The creditor never sent me any paperwork notifying me that my account had been sold to a collection agency. Additionally, XXXX is reporting that the account status is closed, while Equifax is reporting it as open. XXXX reported the date as XX/XX/XXXX, while Equifax reported XX/XX/XXXX. Furthermore, XXXX reported a payment amount balance of {$0.00}, while Equifax reported {$100.00}. Finally, XXXX reported the last payment date as XX/XX/XXXX, while Equifax reported XX/XX/XXXX.
Based on this information, I believe that the creditors violated Section 1681c, 1681e, 1681i, and 1681g of the FCRA. Additionally, I believe that XXXX XXXXXXXX XXXX XXXXXXXX violated Section 807 of the FDCPA by misrepresenting the status of my account as a collection account.
I am writing to dispute inaccurate information that has been reported on my credit report by XXXX XXXX, with account number XXXX. According to XXXX, the last verified date is XX/XX/XXXX, while XXXX and Equifax have not reported anything. Furthermore, XXXX is reporting a date of last activity of XX/XX/XXXX, while XXXX and Equifax have reported XX/XX/XXXX and XX/XX/XXXX, respectively. Also, XXXX and XXXX are showing a date reported of XX/XX/XXXX, but Equifax is reporting XX/XX/XXXX. XXXX is showing a date opened of XX/XX/XXXX, while XXXX and Equifax are reporting XX/XX/XXXX. Lastly, XXXX is showing a payment status of late 120 days, while XXXX and Equifax have reported late 90 days.
These inaccuracies are not only frustrating, but they have also had a significant impact on my life. Due to these inaccurate reports, my credit score has been negatively affected, making it difficult for me to obtain loans, credit cards, or other financial assistance that I need. It has even affected my ability to find a job, as many employers require credit checks as part of their hiring process.
I believe that XXXX XXXX has violated several provisions of the FCRA, including Section 1681c, which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of credit reports, Section 1681e, which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose the dates on which accounts were opened and closed, as well as the date of last payment. The creditor may also have violated the FCRA 's requirement to conduct a reasonable investigation of disputed information under Section 1681i. Additionally, the inconsistent reporting of the payment status could be a violation of the FCRA 's requirement for accurate reporting under Section 1681e ( b ).
Therefore, I am requesting that XXXX XXXX remove these unverified accounts from my credit report as soon as possible, and I urge the Consumer Financial Protection Bureau to enforce the legal requirements of the FCRA to ensure that creditors and credit reporting agencies are held accountable for accurate and fair reporting.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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09/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Notice to all I am, a Federally Protected Consumer in fact a Natural Person, Original Creditor, Lender, Executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accepted being the executor both in public and private for all matters, proceeding, and I hereby claim that I will b/d/a XXXX, XXXX and all autograph as the agent, attorney, so be it.
The Fair Credit Reporting Act ( FCRA ) is intended to secure and protect my rights as a consumer. As well as to prevent and address unfair credit reporting practices by credit reporting agencies. The FCRA is intended to ensure consumer reporting agencies exercise their grave responsibility to fairness, accuracy, impartiality, and a respect for my rights as a consumer to privacy.
On XX/XX/XXXX, XX/XX/XXXX XXXX I notified Equifax that there was data housed on my consumer report that I did not recongize in the form of unthorized inquiries. I advised that the Consumer reporting agency that I did not consent to authorize nor benefit from any of the below inquires or incorrect information, and I would like the infomration blocked and removed from my consumer report at once.
Todate Equifax has still failed to correct this monumental issue. Due to their unwillingsness to correct this problem I have suffered a substantical amount of injuries/ Damages due to this lack of upholding the grave responsability by Equifax in their assumed role as a Consumer reporting agency. Per 15 USC 1681 ( b ) as the Consumer Reporting agency it is Equifax 's responsablity to insure that I as a Federally Protected Consumer are being treated in a manner that is fair and equitable ; with regard to the confidentiality, accuracy, relevancy, and proper utilization of my information in accordance with the requirements set out by the FCRA.
I am sure the removal of this erroneous and unverified information from the furnished Consumer report of Equifax, company records, or any and all derivatives therefore, of m and /or with any affiliates will ensure my privacy rights wont be violated again ; due to my lack of consent and this herein unrebutted statement of truth being serviced to you today and therefore standing as truth in commerce so be it and : Fact : Per 15 USC 1602 ( p ) Unauthorized Use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Fact : Per USC 1681c-2 ( a ) a consumer re
porting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Please note the following information is in direct violation of my Federally Protected Consumer Rights as we as the FCRA ( Fair Credit Reporting Act ) : I did not consent to authorize nor benefit from any of the below inquires or incorrect information : 1. The following personal information is incorrect and a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ) Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Remedy : Remove this information from my Consumer Report immediately. This is a violation of my Federally Protected Consumer Rights.
2. The following personal information is incorrect and a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX Tx, XXXX Remedy : Remove this information from my Consumer Report immediately. This is a violation of my Federally Protected Consumer Rights.
3. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX/XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 4. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 5. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 6. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 7. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 8. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 9. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 10. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 11. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately.
12. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 13. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 14. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 15. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 16. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 17. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 18. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 19. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately.
20. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 21. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 22. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 23. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 24. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately.
25. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately.
Theses remedies will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted statement of truth being serviced to you today and therefore standing as truth in commerce. I would also like to be compensated for the many violations/ injuries to my Consumer Report as well as my reputation.
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10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Previous Investigation CFPB -- XXXX XXXX XXXX XXXX XXXX am verifying that this is, XXXX XXXX XXXX and there is no need to ask for validation. RE : EQUIFAX You have violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR this account, when in reality it wasn't me, it was a scammer. Since I seen this fruad account on my credit report, I have made A XXXX complaint as well as FTC report for this case of IDENTITY THEFT that is attached to this document here, Equifax has been working on this investigation since XX/XX/2023, it is now XX/XX/2023 .I attached equifax original reply to this unverified XXXX XXXX XXXX XXXX ACCOUNT in a screenshot. Reporting false things is very misleading. Equifax You are in violation because you did not witness me sign for this account, so you can't actually verify that this XXXX XXXX XXXX XXXX XXXX is accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to { {$1000.00} } per violation. 18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of even after doing property steps to insure my rights are not being violated. FDCPA 8012 -furnishing deceptive forms You furnished this inaccurate account as if it were accurate when it was never validated according to GAAP , so you don't even know if this account is accurate, but yet you still took it upon yourself to report this inaccurate information on my credit report. Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. There is no law that says I have to pay a bill. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.. 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization. ( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2 this agency ( Equifax ) is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad credit score, that i have lost money in application fees, travels and denials for renting a home. You are liable for all damages that I suffered because of your illegal activities. FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditor and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. I attached my certified sent mail to this document as well. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused, and less of a man This mysterious " debt ' which was not validated by the original creditor, which makes me feel very abused. Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. These creditor illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft. 15 U.S. Code 1692b ( 2 ). XXXX of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet this debt collector contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally. And when i investigated it I Seen a address that was not ever mine. This was more than enough evidence to convince me to file a FTC report which I did. 15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Please remember, it is your job to only report accurate Information. Equifax You are breaking FCRA LAWS. 15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. 15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached is my consumer report as an exhibit. 15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that they I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate this XXXX XXXX XXXX XXXX debt or accounts linked to it. You also tried to trick me into thinking you are the original creditor when in reality, ONLY ( I ) XXXX XXXX CAN EXTEND CREDIT so therefore I am the original creditor. This debt don't exist, and must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you ( equifax ) any written consent to report anything on my consumer report, No Consent is Identity Theft. I XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following account. This XXXX XXXX XXXX account is inaccurate, please block and remove it. I already filled out a FTC report # XXXX, Which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, this credit reporting agency reported this false misleading information on my credit, which goes against the FRA laws., Its my understanding that under 15 U.S. Code 1681c-2 you must complete this re investigation AND BLOCK OR UPDATE ALL information. RESULTING FROM identity theft within 4 days of receipt of this letter. I have uploaded proof of your first investigation which was XX/XX/2023. You can not keep saying that you investigated would that this item is verified. If you leave this item on my credit report, then, THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts including and related to this unverified XXXX XXXX XXXX XXXX, as I have no knowledge of of this account. Due to the Equifax and XXXX data breach/ identity theft, Both are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THIS ACCOUNT HAS BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
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06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I, XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau to assure that the rights granted to me under the Fair Credit Reporting Act ( FCRA ) 15 U.S. code 16811681f are fully enforced. I assert that the creditor ( XXXX ( XXXX, XXXX XXXX ) ) and reporting agencies ( XXXX, EQUIFAX ) have directly violated the provisions of the FCRA by the specifics of each instance of violation are outlined below, along with specific citations of Title 15 of USC Code, 1681 and 6802, as well as 12 CFR where I believe my rights have been violated. I will also provide a PDF file of this text, in the supporting documents section, for greater clarity and clearer formatting.
As a consumer, I have suffered from the negative, deleterious effects of these infractions and I hence request punitive damages and reparations be provided to me to remunerate my losses, which I will summarize in an attached PDF file, titled CFPB Consumer Finance Protection Bureau-XXXX XXXX ( This Document ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ According to the Fair Credit Reporting Act 15 U.S. Code 1681 - XXXX XXXX XXXX XXXX XXXX 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
My assertion is that they have violated this by the detailed issues/violations set forth in the following : ISSUE VIOLATION ( 1 ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) Reasonable procedures states : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
My assertion is that their process has in no way been fair and equitable to me, the consumer, specifically with regard to the confidentiality, for these items are now a matter of public record, without my prior knowledge or agreement.
15 U.S. Code 1681 : This represents 1 violation per each of the 3 reporting agencies Equifax, XXXX, and XXXX ( 3 total ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 2 ) Equifax, XXXX, and XXXX XXXX are consumer reporting agencies and I am the Consumer. I assert that I have the right to have assurance that my private information is not shared- which is backed by : 15 USC 6801 ( a ) Privacy obligation policy which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
It is also backed by Privacy Act of 1974 ( 5 U.S. Code 552a ) Records maintained on individuals which states ( t ) ( 1 ) Effect of Other Laws.-No agency shall rely on any exemption contained in section 552 of this title to withhold from an individual any record which is otherwise accessible to such individual under the provisions of this section.
( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; XXXX ( XXXX, XXXX XXXX ) is a financial institution by definition under Title 15 USC 6801 ( a ).
My assertion is that they have violated privacy obligation policy by making these reports, which are now publicly available, and have not protected my security and confidentiality.
This represents ( 4 ) violations : 1 with XXXX XX/XX/XXXX, and 3 with Equifax, XXXX, and XXXX XXXX of XXXX ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 3 ) Further, under 15 USC 6802 Obligations with respect to disclosures of personal information ( a ) Notice requirements states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
My assertion is that XXXX ( XXXX, XXXX XXXX ) has reported to XXXX XXXX of XXXX and to Equifax, XXXX, and XXXX on XXXX of XXXX and have done so without my written consent.
This represents ( 4 ) violations by XXXX ( XXXX, XXXX XXXX ).
ISSUE VIOLATION ( 4 ) 15 USC 1681 section 604 ( a ) section 2 states that : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
XXXX ( XXXX, XXXX XXXX ) the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX the Reporting Agencies do not have my consent to furnish this information and they surely do not have my written consent.
XXXX ( XXXX, XXXX XXXX ) has reported to XXXX : XXXX of XXXX and to Equifax, XXXX, and XXXX : XXXX of XXXX This represents ( 4 ) violations by XXXX ( XXXX, XXXX XXXX ) Any and all consent to Equifax, XXXX, and XXXX by XXXX ( XXXX, XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. ( See attached Opt-out supporting documents ) Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time.
I am opting out of reporting services from the 3 Credit Reporting Bureaus. See supporting documentation in the attachments.
___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 5 ) Further, 15 USC 6802 ( b ) ( 1 ) states that : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
XXXX ( XXXX, XXXX XXXX ) never informed me of my right to exercise my nondisclosure option under any of these 3 preceding options.
This represents ( 1 ) violations by XXXX ( XXXX, XXXX XXXX ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 6 ) Not only that, but also 15 USC 1681C ( a ) Information excluded from consumer reports ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
This reporting is an adverse item they are reporting again without my permission which is against the law.
XXXX ( XXXX, XXXX XXXX ) has reported these adverse items to XXXX : XXXX of XXXX and to Equifax, XXXX, and XXXX : XXXX of XXXX This represents ( 4 ) violations by XXXX ( XXXX, XXXX XXXX ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 7A ) 15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( l ) Prohibition ( A ) Reporting information with actual knowledge of errors states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I have reason to believe this information is innacurate, and XXXX ( XXXX, XXXX XXXX ) has not provided me the chance to rebut their assertions that the information is accurate.
XXXX ( XXXX, XXXX XXXX ) has reported these adverse items to XXXX : XXXX of XXXX and to Equifax, XXXX, and XXXX : XXXX of XXXX This represents ( 4 ) violations by XXXX ( XXXX, XXXX XXXX ) ISSUE VIOLATION ( 7B ) XXXX ( XXXX, XXXX XXXX ) has clearly not done their diligence in communicating with me in writing to confirm the accuracy of their information.
This represents ( 1 ) violations by XXXX ( XXXX, XXXX XXXX ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 8 ) 5 U.S. Code 1681e ( a ) Identity and purposes of credit users states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
I assert that Equifax, XXXX, and XXXX are in fact not maintaining reasonable procedures.
This represents 1 violations each ( 3 total ) by each of these 3 reporting agencies.
___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 9 ) 15 U.S. Code 1681 ( b ) states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
The consumer reporting agencies of Equifax, XXXX, and XXXX have never provided me with such written instructions. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
This represents 1 violations each ( 3 total ) by each of these 3 reporting agencies.
___ ___ ___ ___ ___ ___ ___ ___ ___ ___ On the CFPB complaint next screen What would be a fair resolution to this issue?
Immediate deletion of all account negative reporting and XXXX USD $ per violation of the FCRA and 15 U.S. Code 1681n - Civil liability for willful noncompliance My accounting of the totals follows in an attached PDF file called XXXX, XXXX XXXX ( XXXX, XXXX XXXX ) XXXX
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06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX has the wrong social security number listed on the file for me and because of this they are not able to provide me with my credit report. I spoke to a XXXX Supervisor on XXXX & I was told to send them a copy of my social security card with a written statement giving them permission to correct their error. I started to think & conclude that since they have the wrong social security number on file & have known it is the wrong social security number on file & have not tried to contact me to resolve this issue but instead XXXX let this issue carry on for only XXXX knows how long. Then that credit bureau has been reporting incorrect or no information which affects my XXXX credit score & overall FICO score. XXXX has robbed me of loans, credit cards, renting a home, purchasing of a home, getting furniture on credit, job opportunities, startup of a business & anything else that I would need to use my XXXX credit score & FICO score. What XXXX has done is a violation of the Fair Credit Reporting Act ( FCRA ) & in violation of the Consumer Financial Protection Bureau ( CFPB ) of which I should be momentarily compensated. This has been very disturbing to me. I have not been able to sleep well at night, Im up for hours worrying instead of getting a full nights rest so I can function well the next morning for work. I have also been very XXXX & XXXX. This whole ordeal has taken a XXXX & physical toll on me.
The timeline of events in chronological order explaining what occurred, beginning when I first discovered the issue started on XX/XX/XXXX. When I tried to pull my XXXX Credit report on the XXXX website. I forgot my login information so when I tried to retrieve my Username & Password. The website kept directing me to create an account so when I tried to create an account, I received an error message ( TransUnion Error Message XXXX PDF ) stating that my account already exists. This kept happening a couple of times until I received another error message ( TransUnion Error Message 2 PDF ) stating that the Identity Verification Failed & shortly after I received another error message ( TransUnion Error Message 3 PDF ) stating that the Identity Authentication was Unsuccessful. I then started to get frustrated because I provided all the information that was asked for from me. I honestly can't remember exactly what that information was but it was my personal information & that information was correct so that was when I decided to contact XXXX XXXX Customer Service using the phone number provided in the XXXX error message ( XXXX ). I spoke with a Customer Service Representative who transferred me to someone else after I explained my problem. Then that Customer Service transferred me to another Customer Service Representative who then transferred me to a supervisor. I was then told by the supervisor that the reason why my account can't be verified is because they have another social security number on file for me. He then proceeded to tell me to fix this I would need to email him a copy of my social security card & a written statement giving XXXX the permission to correct the error in their system. I did not feel comfortable with giving my information to the XXXX XXXX so I told him that I would need to contact my attorney to get advice on how I should proceed. Then I ended the call.
The next time of event was XX/XX/XXXX. I went on the XXXX website again & tried to log on, but I received the same error message, so I called XXXX again to speak with Customer Service. This time I was not transferred to a supervisor. The Customer Service Representative told me that my account is locked so they need to verify my identity & to do so I would need to email them a copy of my driver 's license. I asked why I still need to verify my identity when I used their authenticator to be verified? I was told that they must verify everyone. If XXXX didn't have a copy of your credit report. They would need to verify the customer by getting a copy of their driver 's license or I could wait XXXX hours to see if they received a copy of my credit report & if they received it. They will then be able to verify me using my credit report. She then told me that the latest date that my credit report has been updated was unknown because she didn't have access to review or see that date. I then told her that when I talked to a supervisor on XX/XX/XXXX. I was told that the reason why I needed to verify my identity is because XXXX had a different social security number on file for me than what I was providing them. I then told her that the supervisor told me that I needed to email XXXX a copy of my social security card & a written statement giving XXXX permission to correct the mistake in their system. I then asked her what are the social security numbers that are on file? She told me that there is XXXX social security number beginning with XXXX & the other beginning with XXXX so there's XXXX number off in the social security number. She then told me that the other dates I called XXXX were on XX/XX/XXXX & XX/XX/XXXX. I told her that I remember the conversation on XX/XX/XXXX but I don't remember calling them on XX/XX/XXXX. Later that day I remembered a text conversation on XX/XX/XXXX & I still have that text conversation if CFPB needs that information as well. The XXXX Customer Service Representative continued to tell me that the social security number beginning with XXXX is currently on file. The social security number beginning with XXXX has a note that was made on XX/XX/XXXX & the reason why I called XXXX on XX/XX/XXXX was because I couldnt create an account online & I wanted to dispute it. She continued to tell me that each dispute has a number. I then asked the customer service representative what the dispute number is, but she did not have that answer. I also asked her how long they have had the social security number starting with XXXX & XXXX on file, but she did not have that information either. I also asked the customer service representative when the last time my credit report was updated. She did not have that information either but to verify my identity I can email my driver 's license to : XXXX.
On XX/XX/XXXX, I went on the XXXX website & was able to get a copy of my XXXX Credit Report. XXXX gave me an error message " Unable to XXXX XXXX XXXX. '' That is an attachment as well. Equifax did not display a credit report. There was just a blank screen. Also, on XX/XX/XXXX, when I visited XXXX my Equifax credit report is listed as XXXX & the Credit Score XXXX has XXXX listed in the XXXX, 6 month & 1 year timeframe. I believe there was a problem with Equifax as well.
The next time of event was on XX/XX/XXXX. I went on XXXX & there I'm able to pull my full credit report for XXXX. This credit report has the same information as XXXX & that information from XXXX is correct. The only difference is that XXXX has my credit score as XXXX & XXXX has my credit score as XXXX. Also, XXXX has my name spelt incorrectly twice. The XXXX misspellings are listed as : XXXX, XXXX, XXXX & XXXX XXXX. When I tried to get the Equifax credit report on XX/XX/XXXX, using the XXXX website. I received an error message stating that I already received a free report. The website states that " During this period of economic uncertainty, managing your financial health is important. That's why Equifax, XXXX and XXXX are continuing to offer free weekly online credit reports. '' I then logged onto the Equifax website & retrieved my credit report. Everything looks correct except for the spelling of my name. Equifax has my name spelt XXXX XXXX. On XX/XX/XXXX I tried to get my Equifax credit report off the Annual Credit Report website again, but I received the attached error message, stating to Please give them a call.
I called XXXX again on XX/XX/XXXX because I finally emailed them a copy of my drivers license ( front & back ), social security card ( front & back ) as well as a copy of my XXXX XXXX XXXX ( utility bill ). I spoke to another Customer Service Representative who told me that my information should take XXXX business days to be verified so I waited until XX/XX/XXXX when I had to speak to another XXXX XXXX. She verified that there were XXXX credit reports on file. XXXX with the social security number starting with XXXX that had information on it & the other credit report starting with XXXX which was a blank credit report. She said that my name was also spelt wrong & to fix this I would need to speak to the XXXX XXXX XXXX. However, that department was closed at the time, so I called back the next day and spoke to a XXXX from the XXXX XXXX Department. However, he had to transfer me to XXXX of his supervisors because he was.
having computer problems. I was then transferred to XXXX XXXX with the XXXX XXXX # XXXX. I explained to XXXX XXXX about everything that has transpired and that it has been well over 5 days since I submitted my information to verify my identity, but nothing has been resolved. XXXX XXXX then asked me some questions & proceeded to correct my social security number, address, phone number and spelling of my name & I believed my employer while I was on the phone with him. He said that I would receive a copy of my XXXX credit report in the mail within 7 days. Also, I would have online access to my credit report within XXXX to XXXX hours. As on today, XX/XX/XXXX. I still dont have online access with XXXX. I have not received a copy of my XXXX Credit Report in the mail, but I am finally able to pull my XXXX credit report off XXXX. As of today, I can also view my credit report on the Equifax website. The only thing I see that is incorrect with Equifax is my XXXX XXXX. Equifax has my name is XXXX XXXX XXXX, but it should be spelt XXXX XXXX.
I believe that my XXXX Rights have been violated so I appreciate any and everything that you are able to do for me. I have been suffering mentally & physically during this ordeal. I barely sleep at night. I don't have much of an appetite. I try to eat but normally end up throwing the food away because I feel sick to my stomach from all the stress and worrying, I've been doing. I'm even starting to feel suicidal because I started a new company called XXXX XXXX, XXXX. but I can't get my new company up and running since I don't believe that my credit report has been correctly reported so my credit score & history is lower than it should be & has errors that should not be on my credit report. This causes me not to be able to apply for personal or business credit or loans because my credit score is too low. I've also been denied purchasing furniture on credit. Since I can't get personal or business credit or loans, I've applied for better paying jobs of which I believe I robbed from having a better opportunity because of the falsified credit reporting. All of this has caused a mental & physical tool on my mind, body & spirit. I believe that I'm at my wits end, but I do appreciate your time, patience & any help that you are able to provide. Thank you & XXXX bless.
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07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
16. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
17. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
18. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
19. XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
20. XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
21. XXXX - XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
22. XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
23. XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
24. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
25. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
26. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
27. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
28. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
29. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
30. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
31. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
32. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
33. XXXXXXXX XXXX XXXXXXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauCC : Attorney Generals Office XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System XXXXXXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. XXXX XXXXXXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 90 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
16. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
17. Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
18. Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
19. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
20. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
21. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
22. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
23. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
24XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
25. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
26. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
27. XXXX XXXX XXXX A Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
28XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
29. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
30. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
31. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
32. XXXX XXXX XXXX CO Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
33. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
34. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
35. XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
36. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer is not correct. Delete it immediately from my report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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10/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
I have attached an affidavit XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX {$730.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$730.00} {$730.00} Payment Info Original loan amount {$730.00} Balance {$730.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX XXXX Original creditor : XXXX {$480.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$480.00} {$480.00} Payment Info Original loan amount {$480.00} Balance {$480.00} Status date XXXX XXXXXXXX Contact XXXX XXXX XXXX XXXX XXXX, WAXXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX {$1000.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 3 % Balance on XX/XX/XXXX Loan Amount {$1000.00} {$1100.00} Payment Info Original loan amount {$1100.00} Balance {$1000.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX {$650.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$650.00} {$500.00} Payment Info Original loan amount {$500.00} Balance {$650.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX {$320.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$320.00} {$320.00} Payment Info Original loan amount {$320.00} Balance {$320.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$290.00} Balance updated XX/XX/XXXX XXXX XXXX {$68.00} Closed 12 charge-offs Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cellular Phone Balance on XX/XX/XXXX Loan Amount {$68.00} - Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$68.00} Original loan amount - Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N N N N XXXX N N N N N N Negative Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$430.00} Closed 14 charge-offs XXXX XXXX XXXX {$0.00} Closed 13 charge-offs Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Highest balance - Monthly payment - Late payments XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N N N N N N N N XXXX 30 60 90 120 120 120 120 N N XXXX On Time 120+ Days Late 30 Days Late 60 Days Late N Negative 90 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold Invalid date Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX {$0.00} Closed 2 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$0.00} {$150.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Highest balance - Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 120 120 120 N N 120+ Days Late N Negative 90 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Transferred to another lender Purchased by another lender Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX/XXXX {$0.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$0.00} {$150.00} Payment Info Status Credit line closed Status date XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX {$0.00} Closed 2 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$0.00} {$250.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Highest balance - Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 120 120 120 N N 120+ Days Late N Negative Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Transferred to another lender Purchased by another lender Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX XXXX {$500.00} Closed 29 charge-offs XXXX XXXX XXXX {$380.00} Balance updated XX/XX/XXXX XXXX late payment Inquiries XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Leasing and Rental Reseller Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
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01/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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State of Connecticut Superior Court XX/XX/XXXX FTC ID # XXXX COMPLAINT PLAINTIFF DEMANDS TRIAL BY JURY Plaintiff XXXX XXXX XXXX XXXX XXXX Plaintiff, appearing PRO SE, hereby complains of the defendant ( s ) and alleges upon information and belief as follows : Jurisdiction 1 : These claims arise under Civil Rules of Procedure of Connecticut, including but not limited to USC Title XV-Consumer Protection Act, Sections 1681 seq-The Fair Credit Reporting Act ( FCRA or Act ), USC Title XV Sections, Connecticut Banking Law, CGS 36a-695, and Connecticut General Statute.
Parties 2. Plaintiff Resides at XXXX XXXX XXXX XXXX Ct XXXX XXXX. Defendant ( s ) is a domestic corporation having its principal place of business at XXXX XXXX XXXX XXXX, XXXX, GA XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALLEGATIONS 4. Plaintiff is a consumer within the meaning and purview of the act.
5. Defendant ( s ) is ( are ) a utility company, data furnisher, and consumer reporting agency within the meaning and purview of the Act.
6. Prior to date XX/XX/XXXX of defendants actions from which these allegations arise, plaintiff had a fair credit score had a good payment history was starting a new business 7. Defendants, alone or in concert, joint venture, partnership and/or some other contractual arrangement, violated the Act as pled herein as to be discovered, thus causing plaintiff special general damages, injury and harm.
8. Defendants, alone or in concert, joint venture, partnership and/or some other contractual arrangement, then illegally produced and disseminated incorrect information to XXXX on or about XX/XX/XXXX, thus causing special, general and punitive damages.
9. Defendants, alone or in concert, joint venture, partnership and or/some other contractual or non-contractual arrangement rendered, obtained, and or published credit information by -re-reporting XXXX XXXX /XXXX loans on EQUIFAX databases systems. Performed its reporting obligations in a willfully and criminally reckless, negligent and or/illegal fashion in violation of the Act and the laws of this state and of these United States, in inter alia, failing to use and/ or maintain reasonable procedures to avoid violations of section 605, 1681 I and 1692j of the Fair Credit Reporting Act and/or other laws : providing material inaccurate and misleading account status to credit agencies, failing to evaluate and re-evaluate any and all information ; failing to authenticate account information, disseminating false information ; re-selling credit information to third parties, providing false statements, violating consumers privacy, communicating account information to unauthorized persons, address inaccuracies, intentionally deceiving plaintiff who justifiably relied upon defendants promises to plaintiff detriment and damage, acting with malice, acting with presumed malice ; acting with intent ; acting with implied intent ; asserting, maintaining, publishing and otherwise communicating certain false information about plaintiff ; willfully failing to verify and authenticate account information before publishing it, warranting, guarantying, representing, publishing and otherwise communicating certain false information about plaintiff was true ; breaching their contract and trust with plaintiff, making untrue written and/or oral statements defaming, maligning and/or in other ways misrepresenting account status, and account closing dates, failing to honor billing discrepancies, comingling accounts, defendants continued to furnish and report additional account and credit related inaccuracies, formulated additional billing errors after account was paid and closed, and further communicated to Equifax such incorrect and defamatory statements to third parties, including but not limited to as discovery will show ; failing to check the veracity and accuracy of the information before publishing it, wantonly, willfully, reckless and intentionally failing to follow reasonable care over the course of its business, violating inter-alia the Fair Credit Reporting Act, Title 6 Section 607 ( b ) ; in so operating its business as to cause damage by will-full non-compliance doing so in order to maintain a delinquency report on plaintiff s utility account.
10. Defendants knew, or should have known, that the information rendered and/or obtained was false, inaccurate and/or in some way inappropriate and potentially damaging to plaintiff doing so even after XXXX was notified of possible unauthorized access or result of data breach, identity theft or fraud, on plaintiffs utility account.
11. Notwithstanding this known falsity, defendants nonetheless continued to render, disseminated, provided, made available or in some other way published such false information to XXXX, and EQUIFAX to plaintiffs detriment.
13. Defendants knew or should have known that their acts and/or omissions could have been damaging to the plaintiff. Notwithstanding this knowledge, defendants continued to act or failed to act in accordance with the dispute resolution and reinvestigation procedures of the Act in violation of the Act to plaintiff detriment and damage.
14. As a result of the acts of defendants, plaintiff caused to incur general and special damages and or statutory damages.
15. Defendants acts were so reckless, wanton quasi-criminal and performed with such disregard for the rights of plaintiff that plaintiff demands PUNITIVE DAMAGES.
AS AND FOR A FIRST CLAIM FOR RELIEF UNDER THE ACT 16. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein 17. Defendants violated the Act as complained herein and in other ways as discovery will show.
18. Such violation ( s ) caused plaintiff damages.
AS AND FOR A SECOND CLAIM FOR RELIEF IN LIBEL UNDER THE ACT 19. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
20. As a result of defendants actions, plaintiff has been libeled and sustained damages thereby.
AS AND FOR THE THIRD CLAIM FOR RELIEF IN LIBEL PER SE 21. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
AS AND FOR THE FOURTH CLAIM OF RELIEF IN SLANDER 22. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
23. As a result of defendants acts, plaintiff has been slandered and sustained damages thereby.
AS AND FOR A FIFTH CLAIM FOR RELIF IN SLANDER PER SE 24. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
25. As a result of defendants acts plaintiff has been slandered and sustained per se and punitive damages thereby.
As AND FOR A SIXTH CLAIM FOR RELIEF IN DEFAMATION 26. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
27. As a result of defendants action, plaintiff has been defamed and sustained damages thereby.
AS AND FOR A SEVENTH CLAIM FOR RELIEF IN FRAUD.
28. Defendants represented to plaintiff that they would accurately compile, maintain and or/disseminate information.
29. Such representations were false.
32. Defendants made such representations recklessly and without regard to their truth ; knew them to be false ; and/or had no knowledge of the truth.
33. Plaintiff relied upon there representations.
34. Plaintiff acted with ordinary prudence in relying upon such representations.
35. Such false representations injured plaintiff.
AS AND FOR AN EIGHTH CLAIM FOR RELIF IN INJUROUS FALSEHOOD 36. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
37. As a result of defendants acts, plaintiff has been harmed as a result of defendants communicating injurious falsehoods.
AS AND FOR A NINTH CLAIM FOR RELIF IN INTENTIIONAL INFLICTION OF EMOTIONAL DISTRESS 38. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more full at length herein.
39. As a result of defendants intentional acts, plaintiff has suffered and continues to suffer emotional distress and diminishment of quality of life, professional life, and business prospects.
AS AND FOR A TENTH CLAIM FOR RELIF IN NEGLIGENT INFLICTION OF EMOTIONAL DISTRESS 40. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth at length herein.
41. As a result of defendants negligent acts, Plaintiff has suffered and continued to suffer frustration, stress, time lost making calls and writing letters, loss of concentration, delay of personal and business plans, and overall happiness.
AS AND FOR THE ELEVENTH CLAIM FOR RELIF FOR BREACH OF CONTRACT 42. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth ore fully at length herein.
43. As a result of defendants acts amounting to breach of contract and trust including service agreement, unresolved billing disputes, credit score damages, and failing to correct and block information including adding a consumer statement of dispute per CGA 36a-699c, and 36a-699f and the Fair Credit Billing Act.
AS AND FOR THE TWELVE CLAIM OF RELIEF FOR BREACH OF PRIVACY 44. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth ore fully at length herein.
WHEREOFORE, Plaintiff demands judgement against the defendants in a sum in excess of {$50000.00} ( FIFTY THOUSAND DOLLARS ) in the first claim for relief, a sum in excess of {$50000.00} ( FIFTY THOUSAND DOLLARS ) in the second claim for relief, in a sum in excess of {$50000.00} ( FIFTY THOUSAND DOLLARS ) in the third claim for relief in excess of {$50000.00} ( FIFTY THOUSAND DOLLARS ). In the fourth claim of relief in excess of {$50000.00} ( FIFTY THOUSAND DOLLARS ). In the fifth claim of relief in excess of {$50000.00} ( FIFTY THOUSAND DOLLARS ). In the sixth claim of relief in excess of {$50000.00} ( FIFTY THOUSAND DOLLARS ). In the seventh claim of relief in excess of {$50000.00} ( FIFTY THOUSAND DOLLARS ). In the eighth claim of relief in excess of {$50000.00} ( FIFTY THOUSAND DOLLARS ). In the ninth claim of relief in excess of {$50000.00} ( FIFTY THOUSADN DOLLARS ). In the tenth claim of relief in excess of {$50000.00} ( FFITY THOUSAND DOLLARS ). In the eleventh claim of relief ; PUNITIVE DAMAGES FOR ALL CLAIMS AS SET BY THE JURY OR THE COURT, together with attorney fees, the cost and disbursements of this action and such other relief this court may deem just and proper.
_________________________ Signed _____________________________ Notary
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06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 1 : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 2 : XXXXXXXX XXXX XXXX account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 3 : XXXX XXXX XXXX XXXX XXXX Credit account # 3 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiable confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ 1,000+ per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA , my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
In genuine sincerity, XXXX XXXX.
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05/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Please see the following message I sent to the company, XXXX XXXX . For 2 years I had autopay set up, but that was somehow turned off due to an error on their website they do n't claim responsibility for. There was no reason I would use autopay for 24 p ayments in a row, then disable it. Once I was made aware of the late payment, I checked my account which was still showing everything was fine and payment should have been extracted. Letter sent to XXXX XXXX : To Whom It May Concern : Thank you for taking the time out of your day to read this letter. This afternoon I had my credit report pulled and discovered that a late payment was reported in XXXX XXXX for my account with XXXX XXXX XXXX XXXX I want to first start off by saying that in over 2 years of holding my mortgage with you, I was never late on a single payment. In fact, I was pre-paying the principal down {$150.00} per month and making extra payments on the account. Here are my payment details : XXXX XXXX XXXX , payment is pulled out on XXXX of every month XXXX XXXX XXXX , payment is pulled out on XXXX of every month XXXX XXXX XXXX , payment is pulled out on XXXX of every month including multiple double payments as my loan kept showing that my schedule payments were not being processed even though autopay was there, it kept showing balances owed and I was in fear of my account payment being late. There was clearly an error with something in the system that was out of my control but I was logging on and trying to supplement it the best that I could. I felt paying extra would secure me from any late payments. At some point in XXXX , something happened on my account but no one can tell me why the auto draft was turned off. I had setup auto draft during the entire stint of my loan, but in XXXX of XXXX it was turned off. I am unsure if this was an error on my part or an error on the XXXX website. What we concluded was that on XXXX XXXX , XXXX my mortgage payment was charged {$1400.00}. On XXXX XXXX , XXXX , a new figure was added and a charge of {$1400.00} was assessed. I am assuming the error came in that this was supposed to be the new auto-draft payment, but was entered in as a one-time payment. I never knowingly, or would never intentionally, turn off my auto-draft and elect to pay monthly by logging into the account. I believe it was either made in error, or, there was an error on the XXXX website. The website is thoroughly outdated and not very simple in electing payment options. It very well could be that this was my mistake, but no one has been able to tell me that I logged on my computer and decided to cancel it. Its highly likely I replaced my auto-pay with a one-time payment, but I was never called or warned about that move. I feel that after 2 years of doing auto-pay, it should have been noted as out of the ordinary that such an event would take place. This is where I feel that any human that is looking at my account must understand there was miscommunication on the website with payment instructions and something odd was going on. Around that same time, I was in the midst of traveling to Virginia to be with my father, XXXX XXXX , who passed away on XXXX XXXX , XXXX from his second battle of XXXX XXXX . In that time period, you can certainly understand that checking the mortgage payment auto-draft was the least of my worries. In the coming months, we prepared his funeral, had to sell his home, and take care of his final wishes and expenses. The other issue I had was that during this whole ordeal, I was also refinancing my home to save on a lower interest rate. In XXXX XXXX , XXXX XXXX , and XXXX XXXX a total of XXXX payoff requests were sent to finalize my loan. There were struggles there which pushed back the loan process and ultimately led to my loan carrying on months longer than it should have. There is no one to blame, but in all of those moves, not one mention was made that my account had not been making its monthly mortgage payments. In this mix-up, I feel it was possible there was miscommunication on both ends. I wasnt receiving notices, I was checking my account and seeing that a balance wasnt owed every, so I had thought my account stood in good order. Everything appeared fine. I believe this was even the case XXXX came along, because I do not recall any representative calling or any notice to say that I was on the edge of missing my payment. In fact, I had a conversation with XXXX and Equifax on XXXX XXXX , XXXX and I was told my account was in perfect order. I was told at the time that no payment was due and I had a month where payment was submitted late. It breaks my heart to know that if someone took the time to work with me as a client, maybe this could have been avoided. It wasnt until after the payment was already late that in XXXX I received noticed. I thought right away this must be a mistake and called XXXX to see what the issue was. I was told that at some point, my auto-pay was cut off and that I was 6 days late on my payment but no one could tell me how or why it was cut off ; the assumption just was that it was my fault. I went right away and while still on the phone, I paid my bill. In talking to the representative still, he understood it was nothing more than a technological error and he told me there would be no penalty to my credit and he was happy to waive the fee that was going to be assessed. He said since it was caught so soon and taken care of right away, he could tell by my fair intentions and that there was money in escrow - on top of the fact that I submitted payment right then and there on the phone - there wouldnt be a hit on my credit score and everything would be fine. The representative assured me of that. I didnt document this anywhere because I took his word for it, and now it hurts me to see that in the end that he failed to own up to his end of the bargain. I do have one other problem in that it seems there was an error with my payment and escrow amounts being much higher than normal. I received an escrow refund of almost {$3000.00} after my tax bill was paid and this money couldve easily been taken from my escrow to pay the balance owed. This error wasnt because of financial difficulties in meeting my obligations but 100 % based on a lot of things going on in my life and the errors made on my part with the payment structure of the XXXX XXXX system. I realize I made a mistake in failing to be completely thorough but I do feel I was let down by technology of the payment website and the overcomplicated system. My payment history should speak for itself as I worked exclusively with auto-pay and made additional principal with you had been spotless. Mistakes do happen but when the company truly cares for you, that should be taken care of as part of the cost of doing business with XXXX over another firm. In fact, there was an error with my refinanced mortgage. I had incorrectly input the account number for my draft, and when the new mortgage company tried to draft it, they could not. My first mortgage payment was going to be late! Right away I was on the phone with them and they took care of it. They wrote me back saying that they understood it was a mistake, I was brand new to the account, and they could see that the money is in my account ( XXXX XXXX XXXX XXXX XXXX ) and it was nothing more than a mistake. I feel thats the meaning of customer service and I would hope as a leader in mortgages, XXXX would be willing to treat me with that same respect. I 'm not only embarrassed by this black m ark on my record, but it 's now hurting my ability to buy a new home for me and my XXXX , XXXX . In completing loan paperwork today, I was crushed to find out my credit score was dropped to under XXXX ; XXXX to be exact. That is a very harsh penalty for missing a payment by 6 days, especially when it was nothing more than a mistake at most and highly possible it was an error in technology. This was the first time in over 2 years in working with XXXX that I had any such issue, and I would hope that the relationship we had and you wanting to serve your customers best that you would have it in your heart to reverse the credit reporting late payment on my mortgage account. I would be extremely grateful if you could honor this request to remove the late payment entry from my credit report. It would help me immensely in securing my loan and allowing us to buy a home we have been dreaming about. I started my relationship with XXXX as you were recommended to me by the builder of my condo. Without his referral, this would be a relationship that was never started. No one ever knows what the future may hold and there could be possible business for us together down the line. Completely shutting out a customer and leaving such a mark, especially for something so little, has equally tough implications on XXXX just with the thought of potential business lost in the future. If rates were competitive and some of the great features of XXXX were still available, Id even be happy in seeking a loan with you again on my upcoming purchase. The sad, harsh truth is that without this being removed from my credit score, I will be unable to close on the house in time and we will miss out on an amazing opportunity we are so happy about. I truly am begging you to see this as a human being who can understand the situation I was in, the extreme difficulty of losing my father at an age way too young, and the simple technological mishaps that led to the late payment. If I simply didnt have the money or was unable to pay, I would understand and deserve the penalty. I am in a sound financial decision and have spent many years working to have great credit. Its a shame and honestly unfair that a 6 day late payment, which again only happened in some sort of error, could taint my record and take away something so precious to me. I am closing on a home on XXXX XXXX , XXXX and I am requesting this be looked into and handled immediately. I will explore all necessary avenues to ensure that is the case. I will work diligently to get this taken care of and will continue to work every day on this to get it rectified as I truly believe in my heart, this is the right thing to do. If I were at fault 100 % or didnt have the funds, I wouldnt be asking for your help. I am asking out of the kindness of your heart and as a client for over 2 years, please help me out as a courtesy and remove this late payment from my credit score. It doesnt match the total body of work that I have put together over many, many years and with it being so reason on my credit score, its completely demolishing my credit score. Please contact me immediately if we can discuss this matter together. My number is ( XXXX ) XXXX .
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12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, a dereliction of duty, and the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Reporting Agency and its members as Data Furnishers : To my knowledge, as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy as beneficiary, a man ; I provide this written request and instruction to remove the late payments in the following adversely reported items and the listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XX/XX/2022 Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report. The National Credit Reporting Agencies as fiduciaries, have a duty to loyalty, duty to disclosure, duty to prudence, and duty to good faith with regard to the beneficiary.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud or unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumers Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, producing an effect that prevents access to my estates extensions of credit as the beneficiary, denied rights of action, chose-in-action, a conflict of interest against equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Title 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right to opt-out, my beneficiary interest rights, and my financial privacy rights, NOW so mote it be ; I am opting out of your reporting services regarding ANY adverse reporting of choses-in-action in a conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Regarding estates and trusts equity case law has provided : In cases of trust, where the trustee has violated his trust by an illegal conversion of the trust property, the cestui que trust has a right to follow the property into whosesoever hands he may find it, not being a bona fide purchaser for a valuable consideration, without notice. Where a trustee has, in violation of his trust, invested the trust property or its proceeds in any other property, the cestui que trust has his option either to hold the substituted property liable to the original trust, or to hold the trustee himself personally liable for the breach of the trust. The option, however, belongs to the cestui que trust alone and is for his benefit, and not for the benefit of the trustee. If the trustee, after such an unlawful conversion of the trust property, should repurchase it, the cestui que trust may, at his option, either hold the original property subject to the trust or take the substituted property in which it has been invested, in lieu thereof. And the trustee, in such a case, has no right to insist that the trust shall, upon the repurchase, attach exclusively to the original trust property. Where the trust property has been unlawfully invested, with other funds of the trustee, in other property, the latter, in the hands of the trustee, is chargeable pro tanto to the amount or value of the original trust property.
What constitutes notice of a trust? An agent, employed by a trustee in the management of the trust property, and who thereby acquires a knowledge of the trust, is, if he afterwards becomes possessed of the trust property, bound by the trust, in the same manner as the trustee. Where, upon the face of the title papers, the purchaser has full means of acquiring complete knowledge of the title from the references therein made to the origin and consideration thereof, he will be deemed to have constructive notice thereof. A co-proprietor of real property, derived under the same title as the other proprietors, is presumed to have full knowledge of the objects and purposes and trusts attached to the original purchase, and for which it is then held for their common benefit.
Oliver v. Piatt, 44 U.S. 333 ( 1845 ) When a trustee abuses his trust -- converting trust property into new forms -- the cestui que trust has the option to take the original or the substituted property, and if either has passed into the hands of a bona fide purchaser without notice, then its value in money. If the trust property comes back into the hands of the trustee, that fact does not affect the right of the cestui que trust. The principle is that the wrongdoer shall derive no benefit from his wrong, and that profits which he makes belong to the cestui que trust. Equity will accordingly so mould and apply the remedy as to give them to him, giving, however, the party thus charged proper credits for money which he has paid, but which, if things had all been regularly transacted, the cestui que trust should have paid, making proper allowances for rent, interest & c., and putting things on such a footing as under the circumstances does the most complete justice.
May v. Le Claire, 78 U.S. 217 ( 1870 ) Where property held upon any trust to keep, or use, or invest it in a particular way is misapplied by the trustee and converted into different property, or is sold and the proceeds are thus invested, the property may be followed wherever it can be traced through its transformations, and will be subject, when found in its new form, to the rights of the original owner or cestui que trust. It does not alter the case that the newly acquired property, instead of being purchased with the proceeds of the original property, is obtained by a direct exchange for it. Cook v. Tullis, 85 U.S. 18 Wall. 332 332 ( 1873 ) Where a trust fund has been perverted, the cestui que trust can follow it at law as far as it can be traced. - United States v. State Bank, 96 U.S. 30 ( 1877 ) I declare under penalty and perjury under the laws of the United States
of America that the foregoing is true and correct. Title 28 U.S. Code 1746.
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01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 90 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
16. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
17. Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
18. Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
19. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
20. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
21. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
22. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
23. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
24. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
25. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
26. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
27. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
28. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
29. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
30. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
31. XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
32. XXXXXXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
33. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
34. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
35. XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
36. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer is not correct. Delete it immediately from my report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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01/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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State of Connecticut XXXX XXXX XXXX XXXX XXXX FTC ID # XXXX COMPLAINT PLAINTIFF DEMANDS TRIAL BY JURY Plaintiff XXXX XXXX XXXX XXXX XXXX Plaintiff, appearing PRO SE, hereby complains of the defendant ( s ) and alleges upon information and belief as follows : Jurisdiction 1 : These claims arise under Civil Rules of Procedure of Connecticut, including but not limited to XXXX XXXX XXXX XXXX XXXX, Sections XXXX XXXX-The Fair Credit Reporting Act ( FCRA or XXXX ), XXXX XXXX XXXX XXXX, Connecticut Banking Law, XXXX XXXX, and Connecticut General Statute.
Parties 2. Plaintiff Resides at XXXX XXXX XXXX XXXX Ct XXXX 3. Defendant ( s ) is a domestic corporation having its principal place of business at XXXX XXXX XXXX XXXX, XXXX, GA XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALLEGATIONS 4. Plaintiff is a consumer within the meaning and purview of the act.
5. Defendant ( s ) is ( are ) a utility company, data furnisher, and consumer reporting agency within the meaning and purview of the Act.
6. Prior to date XXXX XXXX XXXX of defendants actions from which these allegations arise, plaintiff had a fair credit score had a good payment history was starting a new business 7. Defendants, alone or in concert, joint venture, partnership and/or some other contractual arrangement, violated the Act as pled herein as to be discovered, thus causing plaintiff special general damages, injury and harm.
8. Defendants, alone or in concert, joint venture, partnership and/or some other contractual arrangement, then illegally produced and disseminated incorrect information to XXXX on or about XXXX XXXX XXXX, thus causing special, general and punitive damages.
9. Defendants, alone or in concert, joint venture, partnership and or/some other contractual or non-contractual arrangement rendered, obtained, and or published credit information by -re-reporting XXXX XXXX /XXXX loans on EQUIFAX databases systems. Performed its reporting obligations in a willfully and criminally reckless, negligent and or/illegal fashion in violation of the Act and the laws of this state and of these United States, in XXXX XXXX, failing to use and/ or maintain reasonable procedures to avoid violations of section 605, 1681 I and 1692j of the Fair Credit Reporting Act and/or other laws : providing material inaccurate and misleading account status to credit agencies, failing to evaluate and re-evaluate any and all information ; failing to authenticate account information, disseminating false information ; re-selling credit information to third parties, providing false statements, violating consumers privacy, communicating account information to unauthorized persons, address inaccuracies, intentionally deceiving plaintiff who justifiably relied upon defendants promises to plaintiff detriment and damage, acting with malice, acting with presumed malice ; acting with intent ; acting with implied intent ; asserting, maintaining, publishing and otherwise communicating certain false information about plaintiff ; willfully failing to verify and authenticate account information before publishing it, warranting, guarantying, representing, publishing and otherwise communicating certain false information about plaintiff was true ; breaching their contract and trust with plaintiff, making untrue written and/or oral statements defaming, maligning and/or in other ways misrepresenting account status, and account closing dates, failing to honor billing discrepancies, comingling accounts, defendants continued to furnish and report additional account and credit related inaccuracies, formulated additional billing errors after account was paid and closed, and further communicated to XXXX such incorrect and defamatory statements to third parties, including but not limited to as discovery will show ; failing to check the veracity and accuracy of the information before publishing it, wantonly, willfully, reckless and intentionally failing to follow reasonable care over the course of its business, violating inter-alia the Fair Credit Reporting Act, Title 6 Section 607 ( b ) ; in so operating its business as to cause damage by will-full non-compliance doing so in order to maintain a delinquency report on plaintiff s utility account.
10. Defendants knew, or should have known, that the information rendered and/or obtained was false, inaccurate and/or in some way inappropriate and potentially damaging to plaintiff doing so even after XXXX was notified of possible unauthorized access or result of data breach, identity theft or fraud, on plaintiffs utility account.
11. Notwithstanding this known falsity, defendants nonetheless continued to render, disseminated, provided, made available or in some other way published such false information to XXXX, and EQUIFAX to plaintiffs detriment.
13. Defendants knew or should have known that their acts and/or omissions could have been damaging to the plaintiff. Notwithstanding this knowledge, defendants continued to act or failed to act in accordance with the dispute resolution and reinvestigation procedures of the Act in violation of the Act to plaintiff detriment and damage.
14. As a result of the acts of defendants, plaintiff caused to incur general and special damages and or statutory damages.
15. Defendants acts were so reckless, wanton quasi-criminal and performed with such disregard for the rights of plaintiff that plaintiff demands PUNITIVE DAMAGES.
AS AND FOR A FIRST CLAIM FOR RELIEF UNDER THE ACT 16. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein 17. Defendants violated the Act as complained herein and in other ways as discovery will show.
18. Such violation ( s ) caused plaintiff damages.
AS AND FOR A SECOND CLAIM FOR RELIEF IN LIBEL UNDER THE ACT 19. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
20. As a result of defendants actions, plaintiff has been libeled and sustained damages thereby.
AS AND FOR THE THIRD CLAIM FOR RELIEF IN LIBEL PER SE 21. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
AS AND FOR THE FOURTH CLAIM OF RELIEF IN SLANDER 22. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
23. As a result of defendants acts, plaintiff has been slandered and sustained damages thereby.
AS AND FOR A FIFTH CLAIM FOR RELIF IN SLANDER PER SE 24. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
25. As a result of defendants acts plaintiff has been slandered and sustained per se and punitive damages thereby.
As AND FOR A SIXTH CLAIM FOR RELIEF IN DEFAMATION 26. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
27. As a result of defendants action, plaintiff has been defamed and sustained damages thereby.
AS AND FOR A SEVENTH CLAIM FOR RELIEF IN FRAUD.
28. Defendants represented to plaintiff that they would accurately compile, maintain and or/disseminate information.
29. Such representations were false.
32. Defendants made such representations recklessly and without regard to their truth ; knew them to be false ; and/or had no knowledge of the truth.
33. Plaintiff relied upon there representations.
34. Plaintiff acted with ordinary prudence in relying upon such representations.
35. Such false representations injured plaintiff.
AS AND FOR AN EIGHTH CLAIM FOR RELIF IN INJUROUS FALSEHOOD 36. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more fully at length herein.
37. As a result of defendants acts, plaintiff has been harmed as a result of defendants communicating injurious falsehoods.
AS AND FOR A NINTH CLAIM FOR RELIF IN INTENTIIONAL INFLICTION OF EMOTIONAL DISTRESS 38. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth more full at length herein.
39. As a result of defendants intentional acts, plaintiff has suffered and continues to suffer emotional distress and diminishment of quality of life, professional life, and business prospects.
AS AND FOR A TENTH CLAIM FOR RELIF IN NEGLIGENT INFLICTION OF EMOTIONAL DISTRESS 40. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth at length herein.
41. As a result of defendants negligent acts, Plaintiff has suffered and continued to suffer frustration, stress, time lost making calls and writing letters, loss of concentration, delay of personal and business plans, and overall happiness.
AS AND FOR THE ELEVENTH CLAIM FOR RELIF FOR BREACH OF CONTRACT 42. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth ore fully at length herein.
43. As a result of defendants acts amounting to breach of contract and trust including service agreement, unresolved billing disputes, credit score damages, and failing to correct and block information including adding a consumer statement of dispute per CGA 36a-699c, and 36a-699f and the Fair Credit Billing Act.
AS AND FOR THE TWELVE CLAIM OF RELIEF FOR BREACH OF PRIVACY 44. Plaintiff repeats and realleges all previous paragraphs with the same force and effect as if the same were set forth ore fully at length herein.
WHEREOFORE, Plaintiff demands judgement against the defendants in a sum in excess of {$50000.00} ( XXXX XXXX DOLLARS ) in the first claim for relief, a sum in excess of {$50000.00} ( XXXX XXXX DOLLARS ) in the second claim for relief, in a sum in excess of {$50000.00} ( XXXX XXXX DOLLARS ) in the third claim for relief in excess of {$50000.00} ( XXXX XXXX DOLLARS ). In the fourth claim of relief in excess of {$50000.00} ( XXXX XXXX DOLLARS ). In the fifth claim of relief in excess of {$50000.00} ( XXXX XXXX DOLLARS ). In the sixth claim of relief in excess of {$50000.00} ( XXXX XXXX DOLLARS ). In the seventh claim of relief in excess of {$50000.00} ( XXXX XXXX DOLLARS ). In the eighth claim of relief in excess of {$50000.00} ( XXXX XXXX DOLLARS ). In the ninth claim of relief in excess of {$50000.00} ( XXXX XXXX DOLLARS ). In the tenth claim of relief in excess of {$50000.00} ( FFITY XXXX DOLLARS ). In the eleventh claim of relief ; PUNITIVE DAMAGES FOR ALL CLAIMS AS SET BY THE JURY OR THE COURT, together with attorney fees, the cost and disbursements of this action and such other relief this court may deem just and proper.
_________________________ Signed _____________________________ Notary
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04/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to file a dispute regarding XXXX XXXX XXXX ( XXXX ) inaccurate reporting of my payment history. According to XXXX, XXXX XXXX reported that I was 30 days late on a payment on XX/XX/XXXX, but I did not miss any payments on this account. This inaccurate reporting has had a significant impact on my credit score and my ability to obtain credit in the future.
The inaccurate reporting by XXXX XXXX is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ) which requires that furnishers of credit information report accurate information to credit reporting agencies. The inaccurate reporting has negatively impacted my credit score and has caused me to be denied credit opportunities that I would have otherwise been eligible for.
XXXX ( XXXX ) According to XXXX and XXXX, I was 30 days late on my account in XX/XX/XXXX, but I have never missed a payment on this account. Furthermore, there are discrepancies in the dates reported by the two credit bureaus for when the account was opened and last active.
XXXX has violated several laws, including the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit reporting agencies and not ensuring that information provided to credit reporting agencies is complete and accurate. They have also failed to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report.
Additionally, XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by falsely representing the character, amount, or legal status of the debt and threatening to take actions that can not be legally taken.
Furthermore, XXXX has violated the Truth in Lending Act ( TILA ) by not providing accurate and timely disclosures of the terms of my loan. They have also violated the Fair and Accurate Credit Transactions Act ( FACTA ) by not implementing reasonable procedures to ensure the accuracy of the information provided to credit reporting agencies.
Finally, XXXX has violated the Real Estate Settlement Procedures Act ( RESPA ) by not responding to my Qualified Written Request within the required time period. They have also violated the Electronic Fund Transfer Act ( EFTA ) by not providing notice of an error or unauthorized transfer within the required time period.
XXXX ( XXXX ) XXXX. On my credit report provided by XXXX, XXXX XXXX has reported that my account status is derogatory and that the account was charged off, which is not accurate.
According to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX is required to report accurate and complete information to credit reporting agencies, and this includes reporting derogatory status and charge off status only if it is justified. XXXX XXXX has not provided any justification for reporting this inaccurate information, and it has negatively affected my credit score and my ability to obtain credit in the future.
I have attempted to contact XXXX XXXX regarding this issue, but have not received any satisfactory response. Therefore, I am turning to the CFPB to enforce the legal requirements of the FCRA.
XXXX XXXX ( XXXX ) According to XXXX, my account status is derogatory and I was 90 days late on XX/XX/XXXX, but I did not miss any payment on this account. The false reporting of a derogatory status or a late payment without justification can negatively impact my credit score and my ability to obtain credit in the future.
This inaccurate information has affected my life in many ways. Due to the derogatory status on my credit report, I have been denied credit and loans, which has made it difficult for me to pay for necessary expenses like medical bills and home repairs. I have been forced to rely on high-interest loans, which have only added to my financial burden. I have also been denied employment opportunities and housing options due to the negative information on my credit report.
I believe that XXXX XXXX violated Section 623 ( a ) ( 2 ) and Section 605 ( a ) of the FCRA by reporting inaccurate information to XXXX. Furthermore, I believe that XXXX violated Section 623 ( b ) of the FCRA by failing to conduct a reasonable investigation when I disputed the inaccurate information.
XXXX XXXX ( account number XXXX ) and the credit reporting agencies XXXX and XXXX. According to XXXX, the date opened on this account was XX/XX/XXXX, while XXXX reported the date as XX/XX/XXXX. Furthermore, XXXX reported a high credit balance of {$5200.00}, but XXXX reported a balance of {$0.00}. Additionally, XXXX reported the comment " Charged off as bad debt Canceled by credit grantor, '' while XXXX reported " Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. '' Lastly, XXXX reported the last active date on this account as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX.
These discrepancies violate several sections of the Fair Credit Reporting Act ( FCRA ), including Section 623 ( a ) ( 1 ) ( A ), which requires furnishers of credit information to report complete and accurate information to credit reporting agencies. Reporting different dates and balances to different credit reporting agencies can be seen as incomplete or inaccurate information. Section 623 ( a ) ( 1 ) ( C ) requires that furnishers of credit information report the date of the delinquency that led to the negative information being reported. If XXXX XXXX reported different dates of delinquency to different credit reporting agencies, they may have violated this section of the FCRA. Section 623 ( a ) ( 2 ) requires that furnishers of credit information report accurate information to credit reporting agencies. Reporting a balance or a comment that is inaccurate can negatively impact my credit score and my ability to obtain credit in the future. Finally, Section 623 ( b ) requires credit reporting agencies to conduct a reasonable investigation when I dispute information on my credit report. If the credit reporting agency finds that the information is inaccurate, they are required to correct or delete it.
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ). According to my credit reports from XXXX and XXXX, there are discrepancies in the dates reported for the account number XXXX.
XXXX reported that the account was opened on XX/XX/XXXX and the date last active was on XX/XX/XXXX. However, XXXX reported that the account was opened on XX/XX/XXXX and the date last active was on XX/XX/XXXX.
These discrepancies in reporting violate the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( A ) which requires that furnishers of credit information report complete and accurate information to credit reporting agencies. Reporting different dates to different credit reporting agencies can be seen as incomplete or inaccurate information. Additionally, Section 623 ( a ) ( 2 ) requires that furnishers of credit information report accurate information to credit reporting agencies. Reporting a date that is inaccurate can negatively impact my credit score and my ability to obtain credit in the future.
XXXX XXXX, regarding the account number XXXX. According to XXXX, the date opened for this account was XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX. In addition, XXXX reported the date last active as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX.
I believe that XXXX XXXX violated several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 623 ( a ) ( 1 ) ( A ), which requires furnishers of credit information to report complete and accurate information to credit reporting agencies. Reporting different dates to different credit reporting agencies can be seen as incomplete or inaccurate information.
Section 623 ( a ) ( 2 ), which requires furnishers of credit information to report accurate information to credit reporting agencies. Reporting an inaccurate date can negatively impact my credit score and my ability to obtain credit in the future.
Section 623 ( b ), which requires credit reporting agencies to conduct a reasonable investigation when information on a credit report is disputed. If the information is found to be inaccurate, the credit reporting agency is required to correct or delete it.
XXXX XXXX has reported on my credit report. I recently noticed that XXXX XXXX has reported a debt as a collection/chargeoff without ever notifying me or providing any paperwork to support the claim. This false or misleading representation is a violation of Section 1692e ( 11 ) of the Fair Debt Collection Practices Act ( FDCPA ).
Furthermore, XXXX has reported the payment status of the account as a Collection/Chargeoff, which has negatively affected my credit score and my ability to obtain credit in the future. This inaccurate reporting is a violation of Section 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ).
This false and misleading representation and inaccurate reporting have greatly affected my life. As a result of this negative reporting, I have been denied credit opportunities that I would otherwise have been approved for. This has caused me to miss out on important life events, such as purchasing a home and starting a business.
I have attempted to contact XXXX XXXX to request documentation to support the claim of a collection/chargeoff, but they have not provided me with any information. This failure to provide documentation is a violation of Section 623 ( b ) of the FCRA.
XXXX XXXX XXXX, account number XXXX, which was originally held by XXXX XXXX XXXX XXXX XXXX According to my credit reports, there are discrepancies between the information reported by XXXX and XXXX.
XXXX shows the Date Opened as XX/XX/XXXX, while XXXX shows it as XX/XX/XXXX. Additionally, XXXX shows the Date Last Active as XX/XX/XXXX, while XXXX shows it as XX/XX/XXXX.
These discrepancies are not only confusing but can also negatively impact my credit score and ability to obtain credit in the future. As per Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), furnishers of credit information are required to report complete, accurate, and up-to-date information to credit reporting agencies.
I am personally affected by these discrepancies as they are preventing me from accessing credit at reasonable rates. The current state of my credit report has led to denied credit applications, increased interest rates, and, ultimately, financial stress.
Therefore, I request XXXX XXXX XXXX to provide accurate and complete information to all credit reporting agencies they report to, and to remove this unverified collection account from my credit report. I also request XXXX and XXXX to investigate this matter and update their records accordingly.
Thank you for your attention to this matter. Please provide me with a written confirmation of the resolution of this dispute.
Sincerely, XXXX XXXX
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05/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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EQUIFAX, XXXX, XXXX REALLY NEEDS SOMEONE TO OVER SEE HOW THEY'RE RUNNING THESE BUSINESSES. I HAVE 2 COLLECTIONS ACCOUNTS THAT I HAVE NO KNOWLEDGE OF I HAVE SENT BOTH COLLECTIONS AGENCIES A DEBT VALIDATION LETTER BECAUSE I HAVE NO CLUE OF THE DEBT BECAUSE I NEVER HAD A ACCOUNT WITH THE ORIGINAL CREDITOR CERTIFIED MAIL 6 TIMES I RECEIVED NO REPLY I SENT ALL 3 BUREAUS LETTERS TOO. THEY DIDN'T INVESTIGATE THE ACCOUNTS PROPERLY BECAUSE IF THEY HAD THEY WOULD'VE DISCOVERED THE ACCOUNTS ARE NOT MINE. THE 3 BUREAUS OR IN VIOLATION OF MY CONSUMER RIGHTS FOR THE COLLECTIONS ACCOUNT WITH COMPANIES -XXXX XXXX AND XXXX XXXX by NOT providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified .The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. AND THE COLLECTION AGENCIES ARE ALSO VIOLATING MY RIGHTS .THEY THINK E CONSUMERS ARE XXXX AND THEY CAN JUST XXXX US OVER WHILE RUINING OUR LIVES. I SENT THE BUREAUS A LETTER EXPLAINING I WAS not happy with the way your company is handling my disputes. THEY sent me SEVERAL LETTERS stating that the accounts were verified but said nothing on how the account was verified.sent me no documents or information that THEIR company relied on to verify the accounts XXXX XXXX & XXXX The accounts are problematic and the need to be re investigated.Its THEIR duty mandated by law, to re investigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. THEY ARE NOT MY ACCOUNTS THE COLLECTIONS AGENCY IGNORED MY REQUEST TO VALIDATE, I ASKED THE COLLECTIONS AGENCIES In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions : Condition # 1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your firm now claims is owed.
Condition # 2. Provide me with a sworn and notarized Affidavit, signed under Penalty of Perjury as follows : a. That your client is the bona fide party in interest and Holder in Due Course of the aforementioned Contract, and that they can and will further produce said ORIGINAL WET INK SIGNED CONTRACT in Condition # 1 above.
b. The names, addresses, dates and durations of time during which any and all persons, Corporations, associations, legal firms or any other parties and/or entities who may have had or presently now have any interest in the collection or legal proceedings regarding this alleged obligation.
c. That as a claimed debt collector, you have not purchased evidence of this alleged debt and are proceeding solely in the name of the original contracting party or parties.
d. That you know, understand and agree that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause.
e. That both you and your firm have taken reasonable and prudent due diligence to verify that the amount claimed as owed is, in fact, a legitimate and bona fide debt, prior to instigating this action and making said claim, and that all relevant correspondence, challenges, denials and counter claims by me have been fully and thoroughly reviewed by and adequately answered by your firm both prior to and since initiating this claim.
f. That since initiating this claim, your firm, or associates under your employ, did not contact me at my residence more than three times in any given week or at any other unreasonable time or in any unreasonable manner.
g. That you, your firm or associates under your employ, did not fail to identify themselves as a debt collector in any manner or at any time pertaining to this alleged claim.
Condition # 3. Provide written verification in the form of a signed, sworn and Notarized Affidavit from the stated creditor that you are authorized to act on their behalf in this alleged debt collection action.
Condition # 4. Provide the total account and general ledger statement showing the full and complete Accounting of the alleged obligation you are attempting to collect from me, signed and sworn to by the authorized person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and are able and willing to testify to same under oath to that effect.
Condition # 5.Provide Certified and Notarized copies of documents showing that you are or represent a bona fide creditor in a collection process to include : a. A notarized copy of certified documents evidencing that you are allowed to conduct business in the State of LOUISIANA as a collection agency.
b. A notarized copy of the Bond on file with the State of LOUISIANA allowing your firm to operate as a collection agency.
c. A notarized copy of the assignment letter including production of the signatures and status showing your firm as holders in due course of the alleged claim.
Condition # 6.Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt.
Condition # 7.Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt.
Condition # 8.Provide proof that your Notice of Debt Collection, is authorized by such Statutes and enforcing Regulations.
Condition # 9.Provide proof of all relevant signatures and your status as Holders in Due Course of this alleged claim.
Condition # 10. Provide the name ( s ), address ( es ) and telephone number ( s ) of the bona fide creditor ( s ) pertaining to this alleged debt.
Condition # 11. If you are acting as an Agent, provide certified copies of the registered claim upon which you are collecting, showing the name ( s ) of any and all debtors and the respective bona fide creditor ( s ) as the secured party ( s ).
Condition # 12. Provide the national and regional credit and debit card network Rules and Regulations governing electronic payments and ATM transactions ; specifically the production of all versions of the manual in each case for each service/ buyer/ successor/ transferee regarding this alleged claim.
Condition # 13. Provide a sworn and Notarized Affidavit, signed under Penalty of Perjury, that all the Rules and Regulations of the National and Regional credit and debit card network Rules and Regulations were never, at any time, violated or circumvented to the detriment of the Affiant pertaining to this alleged claim.
Condition # 14. Provide verifiable proof that any actual money was ever created or loaned to me by the named creditor ( s ) whom you claim to represent, and not mere bookkeeping entries that were made by them in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on their part, as well as now yours.
NOTICE : Contacting me again without first properly documenting that I have any obligation to you or your claimant pertaining to the above referenced account number, after Verifiable Receipt of this Notice of Conditional Acceptance, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidations, deceptions and/or enticements to coerce me to commit some act creating a legal obligation and/or disability where none exists, previously or presently, as well as constituting that you and/or your firm knew or should have known that by such communication, what you have heretofore attempted to do was, and is, false and therefore unlawful. Moreover, until or unless you have fully satisfied all of my demands and claims as stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this alleged claim, which the courts and/or others who rely upon such written communication may well judge such acts by you as deliberately intended to impair or damage my credit rating, my reputation, my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and assure you that you do so at your own peril and risk.You have twenty one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain.Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, or in the alternative, sending me written withdrawal of your claim, ( summary judgment ), will constitute your stipulation that I have noduty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection.Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance in considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by you or your Firm to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to ME as compensating damages.Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207.
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
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07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party.
I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Regards XXXX XXXX Accounts Requiring Immediate Removal : Portfolio with Account # XXXX for a debt owed of {$1600.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX XXXX Account Number : XXXX I was looking over my credit report and noticed this account I do not recognize. I request for you to send verification and validations of this account if you can not. I demand you remove this account.
2. XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
3. XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
4. XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
5. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
6. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
7. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
8. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
9. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
10. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
11. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
12. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 33441- This address belongs to someone else. Delete it from my report immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : SS # : XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party.
I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXX with Account # XXXX for a debt owed of {$1600.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Since my complaint on XX/XX/XXXX below so many things have taken place. The things that changed are listed below : 1. XXXX XXXX and XXXX XXXX continue deceptive marketing of XXXX XXXX Credit card financing by saying that the financing be it 6 months, 12 months, 18 months or 24 months is NO INTEREST AND NO PAYMENT. I confirmed this as late as this month and when I probed the sales representative he told me that you are only required to pay a minimal amount. 2. The charge on the closed XXXX XXXX Card was actually for my Kitchen project but I was told that THE FINANCING WAS FOR 6 MONTHS NO INTEREST AND NO PAYMENT. 3. UNFORTUNATELY FOR ME, THIS PROJECT WAS COMPLETED IN XXXX OF XXXX, AND THIS MONTH WAS THE TIME, MY ONLY SISTER AND FAMILY MEMBER LIVING WITH ME WAS DIAGNOSED WITH XXXX XXXX XXXX XXXX. WITH THE DECEPTIVE INFORMATION PROVIDED BY XXXX XXXX, ( PROGRAMMING MYSELF TO PAY THE CHARGE OFF BY SIX MONTHS ), AND RUNNING AROUND TO SAVE MY SISTER 'S, XXXX XXXX CONTINUED TO PILE DELINQUENT CHARGES ON THAT CARD. MY SISTER FINALLY LOST THE FIGHT FOR HER LIVE IN XXXX OF XXXX. 4. THE SAME THING THAT HAPPENED IN XXXX WITH MY XXXX XXXX XXXX XXXX XXXX ( DECEPTIVE 18 MONTHS NO INTEREST AND NO PAYMENT PROMOTIONAL FINANCING ) HAPPENED AGAIN IN XXXX OF XXXX AND XXXX OF XXXX WITH MY XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX CREDIT CARDS. THE DIFFERENCE THIS TIME WAS THAT I WAS NOT CAUGHT UP IN TRYING TO SAVE MY SISTER 'S LIVE AND SECONDLY I FILLED FOR A BUSINESS LINE OF CREDIT, WHICH BROUGHT OUGHT THE DELINQUENT REPORTINGS IN MY CREDIT REPPORT. I HAVE SINCE PAID OFF ALL THE BALANCE IN THE XXXX XXXX XXXX XXXX CARD AND SET UP A RECURRING MONTHLY PAYMENTS TO THE XXXX XXXX XXXX XXXX CARD. 5. NON OF THESE DELINQUENT CHARGES WOULD HAVE NOT OCCURED IF XXXX XXXX XXXX XXXX SALES REPRESENTATIVE DID NOT USE DECEPTIVE MARKETING OF " NO INTEREST AND NO PAYMENT FINANCING '' TO LURE ME TO CHARGE THAT AMOUNT ON THE CARD. 6. I ALSO REALIZED THAT THOSE DELIQUENT REPORTING WERE IN MY ; XXXX, EQUIFAX ANG XXXX CREDIT REPORTS. I HEREBY SOUGHT YOUR ASSISTANCE THROUGH THE ABOVE CREDIT REPORTING AGENCIES TO PURGE ALL DELINQUENT REPORTING ON DATES LISTED IN MY XX/XX/XXXX COMPLAINT FROM MY CREDIT REPORT XXXX, EQUIFAX AND XXXX ). I WILL ALSO URGE CFPB, TO CENSURE XXXX XXXX AND XXXX XXXX AGAINST FUTURE DECEPTIVE PROMOTIONAL FINANCINGComplaint Filled on XXXXis listed below : Good afternoon, My name is XXXX XXXX and I reside in XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Email address and telephone number are : XXXX and XXXX respectively. My complaints are with XXXX XXXX Credit Card ( Through XXXX XXXX ) and another XXXX XXXX Credit Card ( Through XXXX XXXX ). XXXX XXXX Credit Card ( Through XXXX XXXX ) AC # : XXXX ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX wrongly placed late payments on my credit reports. I was never away that such information was on my credit report because they were wrong. I happened to apply for line of credit and I was informed of the late payments that was reported in my credit report. They told me that I can obtain a free copy of my credit report. When I did, I discovered that the reporting was through XXXX XXXX who recently closed that account without notifying me. All the projects I had had with XXXX XXXX in the past was always 24 months, NO INTEREST and NO PAYMENTS and usually I set up a recurring payments from my bank to take care of all the payments before the 24 months due date. I contacted XXXX XXXX credit card who identified themselves as XXXX XXXX. I immediately informed them of the incorrect reporting by them on my credit report, they offered to send me copies of the invoices because prior to that those invoices were never sent to me. At the time of that request XXXX XXXX was operation two cards with XXXX XXXX under my name but shortly after the call, they now refer to that account as closed but no reason was provided to me as to why it was closed and when that took place because as of XX/XX/XXXX, I made purchases at XXXX XXXX with the card. When I finally got the invoices, I contacted XXXX XXXX to let them know that the information they have on my credit report was wrong and that they should remove those from my report but they said I should contact the credit bureau to have them remove that. I again contacted them today, after noticing the same pattern with a recent transaction with my XXXX XXXX, XXXX XXXX credit card. This time they told me the account is closed that they will not adjust their reporting. Please this looks like fraud by XXXX XXXX because the same thing is happening with my XXXX XXXX credit card managed by XXXX XXXX. On both occasions I was offered 24 months and 18 Months No Interest and No payments. On both occasions my invoices were never mailed and both occasions involved closing my old accounts without notification and sending me new credits cards. Below is what happened with my XXXX XXXX credit card. XXXX XXXX Credit Card ( Through XXXX XXXX ) Ac # : XXXX : In XXXX of XXXX, I purchased a television from XXXX XXXX and I was told that I was getting 18 months No Interest and No Payment for the purchase. Shortly after that, I received a credit card from XXXX XXXX and since I had a credit card from XXXX XXXX like XXXX XXXX, I did not activate the card. Meanwhile in I set up a recurring payment to take care of the purchase cost before the 18 months. Suddenly, I started receiving voice mail to go online and review my XXXX XXXX - XXXX XXXX credit card. That sounded strange because the message never mentioned payment due and as long as I know the purchase was No Interest and No payments and more over I have not received any invoice from XXXX XXXX or XXXX XXXX regarding my purchase. It wasn't until I realized what XXXX XXXX did to my credit report that I decided to contact them, To my surprise when I contacted them they said my account was overdue and was under collection. At this point I have sent {$200.00} to my XXXX XXXX account which I thought was still current. I told them that they do not know what they are talking about, first I reminded them that my purchase was 18 months No Interest and No Payment and the account can not be overdue. Secondly, I reminded them that I sent {$200.00} to them and another payment of {$200.00} was scheduled to be made by my bank of XX/XX/XXXX. They said they did not receive anything and was trying to get me to make a payment of {$100.00}. At that time I thought I was speaking with fraudsters so I hung up. I then went back to the new card XXXX XXXX sent me which was not activated and called the customer service number listed on that card. When the representative came I narrated everything that has taken place and she said that the purchase was set up for No Interest but monthly payments were required. Then I asked her why they have not sent me any invoice since that purchase, but she could not answer that question. When I enquired about the {$200.00} I sent, she said that they have not received anything from me. At that time I had the information where the {$200.00} was sent in front of me, and that was how I found out that the account like XXXX XXXX credit card was also closed and that the card that was sent to me was my new account. I asked her whether she has access to the old account and she put me on hold and when she came back she said that the {$200.00} was in that old account. It was then that I realized that XXXX XXXX had accessed two late payment of thirty something dollars the new account. The only thing they told me was that they are sorry that they will wave one of the late payments now and asked me to call them back in XXXX to wave the other one, the reason I was meant to wait to wave the late charge due to their error beats me. As we speak I have not received a single invoice on my XXXX XXXX XXXX XXXX credit card. THIS CLEARLY LOOKS LIKE FRAUD BY XXXX XXXX. 1. They first offered No Interest and No Payment before purchase, then they turn around and start charging people late charges and putting ridiculous comments on peoples credit reports and if you are lucky you will detect it on time and sometimes pay additional money to clear your records. PLEASE I NEED YOUR HELP TO ADDRESS THESE FRAUDULENT ACTIVITIES.
Attached is the letter I received from XXXX on XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX spoke with XXXX XXXX, on XX/XX/XXXX spoke with XXXX XXXX and XXXX XXXX but none of were able to answer conflicting information on their letter : 1. Why did XXXX XXXX give me a NO INTEREST, and NO PAYMENT promotion knowing that XXXX offers only NO INTEREST?
2. Why did XXXX XXXX continue to accept charge on my credit card in XXXX of XXXX, when the account was allegedly closed by XXXX in XX/XX/XXXX?
3. When an account is allegedly closed for non payment as stated on the attached XX/XX/XXXX letter. All balance on the closed account will be immediately due : Why did the attached invoice from dated XX/XX/XXXX allegedly after the account was closed not reflect that the account is closed and ALL PAYMENTS ARE DUE IMMEDIATELY.
4. Why did XXXX XX/XX/XXXX letter state that a closed account was brought current for XX/XX/XXXX billing cycle for an account that was closed.
5. Why was the total amount of {$1800.00} ( {$1700.00} and {$100.00} ) that was paid on XX/XX/XXXX per XXXX letter which is different from {$230000.00} listed on the XX/XX/XXXX brought the account current and no other payments mentioned after that, meaning that that payment brought the account to XXXX balance?
6. Why did XXXX representative XXXX XXXX claim that I continued to make payment on the account but that was never mentioned in the letter?
7. When I asked XXXX XXXX why XXXX did not notify me that the account is closed and continue to accept charges on the account, he said XXXX that have to inform me of the closure of my account.
8. Why did XXXX revise the interest charge on my XXXX XXXX credit card revised in XXXX of XXXX?
9. Why did XXXX close my previous XXXX XXXX credit? Representative XXXX XXXX was not able to answer that?
IF ACTUALLY ADDITIONAL PAYMENTS WERE MADE TO MY XXXX XXXX ACCOUNT AFTER THE XX/XX/XXXX PAYMENT, THAT IS AN AMOUNT THAT SHOULD BE REFUNDED TO ME. GIVING THAT MY SISTER WAS SERIOUSLY ILL AND PASSED AWAY DURING THAT PERIOD, IT IS POSSIBLE THAT XXXX FRAUDULENTLY COLLECTED MORE MONEY THAN I OWED THEM, JUST AS THEY WERE GOING TO COLLECT, THE {$200.00} DOLLARS I PAID TO MY XXXX XXXX ACCOUNT AND TURNED AROUND TRYING TO COLLECT {$100.00} FROM ME. THERE IS SERIOUS FRAUD GOING ON HERE AND CITY DOES NOT WANT TO ACCEPT WHAT THEY DID BECAUSE THAT WILL MEAN, REFUNDING EXCESS MONEY COLLECTED FROM. ME> XXXX REPRESENTATIVE OFFERED TO SEND A CAUTION TO XXXX XXXX AND XXXX XXXX WHERE I MADE PURCHASES BUT REFUSED TO REMOVE THE COMMENTS ON MY CREDIT REPORT AND LOOK INTO REFUNDING THE EXCESS MONEY I MIGHT HAVE PAID THEM.
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10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have not received any confirmation on how XXXX, EQUIFAX AND XXXX verified these inaccurate alleged accounts on my credit report therefore I request that you consider this a final notice to XXXX, EQUIFAX AND XXXX Registered Agents XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Past This Point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if needed as evidence of my trying to rectify the subterfuge that XXXX, EQUIFAX AND XXXX are reporting.
XXXX EQUIFAX AND XXXX are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Please accept this as my official writ Composition Notification in lawful declaration of XXXX, EQUIFAX AND XXXX DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to XXXX, EQUIFAX AND XXXX requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of XXXX, EQUIFAX AND XXXX and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLIANT that XXXX, EQUIFAX AND XXXX allegations ARE NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
XXXX ACCOUNTS : XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX ACCOUNTS : REGARDING FILE NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is regarding my account ( s ) with XXXX, EQUIFAX AND XXXX as noted above that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulation, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that XXXX, EQUIFAX AND XXXX somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regard to these noted challenged items listed above ( unlawfully so mind you ). It seems to be, asininely XXXX, EQUIFAX AND XXXX claimed that my account ( s ) has been late on payments. This is a formal notice that XXXX, EQUIFAX AND XXXX claim is being challenged as to its MANDATED compliant reporting and if unproven than your notification that it is irrefutably being disputed. In the very least. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that i am requesting " validation ; that is competent evidence of any and all calculation, accounting audits, dates, and balances as related to only to account agreement ( s ) I hold with XXXX, EQUIFAX AND XXXX of which there exists a consumer - credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakable in the bearing of my execution of lawful signature indisputably showing that i am knowledgeable of any and all conditions of such that might have created any derogatory or known-positive reflection upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that i am or have ( or ever had ) been late.Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that they represent, is a violation of the FCRA and or the FDCPA ; therefore if and when XXXX, EQUIFAX AND XXXX can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance the laws are in clarity to the facts that XXXX, EQUIFAX AND XXXX absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED NEVER LATE! Please forward to me as well display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as paid or pays as agreed, NEVER LATE entry.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that XXXX, EQUIFAX AND XXXX submit, XXXX, EQUIFAX AND XXXX are further instructed to take no action that could be detrimental to any of my credit reports. XXXX, EQUIFAX AND XXXX failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against XXXX, EQUIFAX AND XXXX at my local venue. Without hesitancy, I would be seeking a minimum of {$1000.00} + per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA, my States credit reporting codes or else wise to include the requisites to have only true, correct, and incomplete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via ful deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that i am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREEDNEVER LATE. Any other notation is possibly refutable or even unlawful chichanary- led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of nay reporting ethics and standard of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
According to 18 USC 894 whoever knowingly participates in any way or conspires to do so, in the use of any extortionate means to collect or attempt to collect any extension of credit or punish someone for not paying any debts that includes negative credit reporting shall be fined pursuant to this title or imprisoned not more than 20 years, or both.
According to 5 USC 7311 XXXX, EQUIFAX AND XXXX can not strike against federal law and XXXX, EQUIFAX AND XXXX have done this numerous times! This is another violation pursuant to this title I have called, I sent numerous dispute letters and emails pertaining the inaccurate information reporting on my credit report.
According to 15 USC 1681i ( 5 ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Let me remind you that XXXX, EQUIFAX AND XXXX are not government agencies or entities, they are not political subdivisions, and they are all against the constitution These agencies were NEVER given the role to furnish credit reports, they ASSUMED the role.
This is exactly why CONGRESS implemented the FAIR CREDIT REPORTING ACT I am not afraid and will not fall victim to the inaccurate reporting on my credit reporting.
According to 18 USC 893 Whoever willfully advances money or property, whether as a gift, as a loan, as an investment, pursuant to a partnership or profit-sharing agreement, or otherwise, to any person, with reasonable grounds to believe that it is the intention of that person to use the money or property so advanced directly or indirectly for the purpose of making extortionate extensions of credit, shall be fined under this title or an amount not exceeding twice the value of the money or property so advanced, whichever is greater, or shall be imprisoned not more than 20 years, or both.
PLEASE ACT ON THIS MATTER!
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07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXX XXXX with Account # XXXXfor a debt owed of {$1800.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. XXXX h XXXX The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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RE : Alleged Original Account # : XXXX Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX XXXX has the right to demand validation of the debt you say I owe you. I XXXX XXXX XXXX demands proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me DEPARTMENT OF REVENUE CHILD SUPPORT PROGRAM, this alleged {$36000.00} debit.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I, Lionell Tillman, demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO Aljawaun M. Golden, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment. American courts invalidated, or denied recognition to, judgments that violated this common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING Aljawaun M. Golden TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : //codes.findlaw.com/ca/code-of-civil-procedure/ccp-sect-1250-150.html # sthash.edZyWein.dpuf ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : XXXX. XXXX of Evidence XXXX of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
XXXX. XXXX of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
XXXX. XXXX of Evidence Discovery of the Money Judgment recorded and entered XXXX XXXX Clerk in accordance with California Code of Civil Procedure Section XXXX.
XXXX. XXXX of Evidence Discovery of a true copy of a Writ of Execution and Writ of Garnishment issued by court of competent jurisdiction and recorded and entered with XXXX XXXX Clerk in accordance with California Code of Civil Procedure Section XXXX.
XXXX. XXXX of Evidence The undersigned demands XXXX of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
XXXX. XXXX of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
XXXX. XXXX of Evidence XXXX of name and address of original alleged creditor.
XXXX. XXXX of Evidence XXXX of Any Judgments obtained by any creditor regarding this account.
XXXX. XXXX of Evidence XXXX of name on file of alleged debtor.
XXXX. XXXX of Evidence XXXX of address on file for alleged debtor.
XXXX. XXXX of Evidence XXXX of alleged account number.
XXXX. XXXX of Evidence XXXX of amount of alleged debt.
XXXX. XXXX of Evidence XXXX of date this alleged debt became payable.
XXXX. XXXX of Evidence XXXX of date of original charge off or delinquency.
XXXX. XXXX of Evidence XXXX of Any insurance claims been made by any creditor regarding this account.
XXXX. XXXX of Evidence XXXX of XXXX that this debt was assigned or sold to collector.
XXXX. XXXX of Evidence XXXX of complete accounting of alleged debt.
XXXX. XXXX of Evidence XXXX of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
XXXX. XXXX of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section XXXX.
XXXX. XXXX of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
XXXX. XXXX of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA XXXX XXXX section XXXX and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act XXXX XXXX XXXX Sec. XXXX ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time, I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortion under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by CHILD SUPPORT ENFORCEMENT or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, and all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
XXXX Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
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06/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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I will attempt to make a very long story short. To begin, it is important to know that I am in the process of qualifying for a loan. My loan officer was able to successfully pull my credit information from XXXX and XXXX ( no problems at all ), but was unable to get this information from Equifax. They advised me to call and provide them with my information so they can verify my identity or, at the very least, get additional information as to why my information can not be accessed by my loan officer. I call in around late XXXX and the woman I spoke to states that they can not find a profile with the information I have provided. Very odd, as I know that I have provided her with all my correct information ( Full Name, Social Security Number, Address, etc. ). She advised that I send in a cover letter that includes my full name, address, phone number, and essentially an explanation/summary as to why I was sending this information in. She also advised I send in a copy of my ID and of my Social Security Card to Equifax at XXXX XXXX XXXX XXXX GA XXXX or fax it to XXXX. My loan application was put on hold and a few months went by. On XX/XX/2019, I faxed in and mailed the aforementioned information to resolve this issue. I then called XXXX about a week later and the woman on the line asked for all of my information and confirmed she can not find a file with my information. I told her that this was exactly why I was calling and was hoping to confirm that the information I submitted via fax and mail was received. She stated they did not have these documents on file as of yet, could not give me additional information, and to wait until I receive a confirmation letter in the mail. She stated this letter could take up to a month to reach me. I was not happy about the time frame she gave me but understood that there was a process they need to follow ( hopefully to protect my information ). I waited. And waited. Nothing came in the mail. On XX/XX/2019, I called in to Equifax again to check on the status of my " dispute. '' I was essentially told by XXXX that they they have still not received my information ( as it has not been uploaded to my account ) and to send it in again. I asked if it typically takes this long to process the fax/mail and to upload it to my account. He stated that faxes are typically processes in 3-5 business days and mailed in information may take up to 30 days to be processed and uploaded. This made me think that they never received my information or lost it since it had been a month since I sent this information in. XXXX then stated that I should contact my bank to confirm that they have my information correctly. Essentially, he said that my bank may not be reporting my credit information to Equifax. I told him this is unlikely because the other two credit bureaus have their information on file, but told him I would call to make sure and send in my information again. I confirmed that I need to send it in to XXXX XXXX XXXX XXXX GA XXXX and fax it to XXXX ; he stated that was correct.
On XX/XX/2019, I called my local bank, spoke with XXXX ( who was very kind and helpful ), and she confirmed that they report credit cards to all three bureaus. She suggested I call the number on my credit card in order to confirm that my bank has my information correctly listed. I did so, explained the situation to a woman named XXXX, and was transferred to my bank 's credit bureau team. It was here that I spoke to XXXX ( also very helpful ), who also confirmed that they report credit information to all 3 bureaus on a monthly basis. XXXX also verified my name, address, date of birth, and social security number ; I confirmed that all of this information is correct on their end. XXXX offered to send my information to her maintenance team, who will reach out to Equifax on my behalf and hopefully get additional information from them/resolve the issue.
On XX/XX/2019, XXXX called me and left a voicemail requesting I call her back as soon as possible. When I did so, I was connected with XXXX who stated XXXX was on another call but had made detailed notes on my account regarding Equifax. Essentially, XXXX told me that Equifax has a different name associated with my social security number. I asked if it could be a variant of my name, but XXXX stated that variants are typically resolved quickly so this may be a completely different name ; they told her to have me send in my social security information and ID once again. Okay, so now I'm thinking that Equifax has a completely different person associated with my Social Security number. Obviously that is very concerning.
After this call from my bank, I fax and mail an updated cover letter, my social security card, my passport, and the receipt of my previous fax on XXXX to Equifax.
I called Equifax again on this date to let them know that I had done so and to let them know what my bank had told me. I spoke with XXXX, who told me to wait 30 days to receive confirmation response in mail. I told her that I had also sent this information on XXXX and asked her to see if that was ever received. She stated it was not uploaded to my account so was never received. I let her know that this does not make me feel confident they will receive my information this time, as it was sent to the same fax and address. XXXX told me to call back in 3-5 business days as this is typically how long it takes to process a fax. I told her I will do that.
I called back on XX/XX/2019. The person I spoke to stated they did not receive any documents and nothing has been uploaded to my account. I asked to speak to a supervisor and XXXX picked up my call. XXXX stated that it takes 5-7 business days to process a fax ; I let him know that his team members have not given me that time frame, and are therefore giving out incorrect information. He stated there is nothing he can do until they receive my information and suggested I send it in a third time. At this point, I am flustered because I have been given conflicting information and they never received my fax or mail the first time I sent it in.
I call again on XX/XX/XXXX, and the woman I spoke t stated they have received my information via fax and I should receive a written confirmation in the mail regarding this dispute in a few days. I check my mail and see that I have two " confirmation '' letter from Equifax. One is dated XX/XX/XXXX and does not have my complete name listed ; this one is six pages long and states that the " information you disputed has been updated as well as other information on this item. '' Very vague. It then goes on to state that the " information you disputed has been verified as accurate, however, information unrelated to your dispute has been undated. '' What exactly does that mean?
The second confirmation letter is dated for XX/XX/2019. This letter also states the " information you disputed has been updated as well as other information on this item, '' but goes on to state that my name has been updated. Initially I thought this was great news because they have updated my name in the system to match the information I provided, not some other person 's random information. Unfortunately, I take a closer look at the name they have updated my information to, and realize my last name is misspelled. I have no idea why they have updated my last name to this incorrect spelling, especially since they have my Social Security card and ID with the correct spelling of my name.
I called Equifax on XX/XX/2019 to ask for clarification and ask them why they updated my name to this random spelling. I never asked for them to update my name ; I had sent in my information so they can confirm my identity and find my credit profile ( to see what information they had incorrectly in their system ). I initially spoke with XXXX, who told me that they are having a system update and to call back in an hour.
When I did, I spoke with XXXX and told him my name has been updated to an incorrect spelling and I have the confirmation number if he needs it. XXXX did not ask for this confirmation number, asked for my information, and then stated he can not proceed with this claim because they do not have enough information to verify my identity. I asked dhow this was possible as I have sent in my information twice and was told it was received, and received not one but two confirmation letters. XXXX stated there is nothing he can do, there are not documents associated with my account, and I need to send it in again. I am very frustrated now and disconnect the call.
Later, I call in again. There must be some mistake. I am connected with XXXX and immediately ask for a supervisor. She refused so I give her the entire story. I am put on hold and XXXX states the same thing that XXXX did ; they do not have information on file for me and I need to send it in again. I refuse and ask her to look for it again as it has been confirmed as received in the past. I am place on hold and XXXX now states she has found the documents I have been referring to, has me confirm the spelling of my name and does spell back my name incorrectly. This confirms they have updated my name incorrectly. I was placed on hold a third time and XXXX tells me I should wait for the confirmation letter. One again, I reiterate to her that I have received these confirmation letters and they do not make sense ; my name has been updated incorrectly. I ask if there is any other way we can resolve this issue because I am not willing to send in my information again, as I have done so and for some reason they decided to update my name incorrectly. Again, I am put on hold and XXXX states she can't verify my identity by asking verification questions because there is no credit information associated with my profile. I say of course there is not because that profile has an incorrect spelling of my name, and who knew who was associated with my social previously/how it was spelled before. I ask for the supervisor again and am transferred to XXXX again. After giving him the spiel once again, XXXX stated he will place me on hold and try to get a hold of their Office of Consumer Affairs. Once back on the line, he states that office is not open but I simply need to send m information again to get this resolved ; XXXX states I don't need to call in to get this resolved. I let XXXX know that, with all due respect, I do no have confidence it is that simple considering all that has happened. I asked him if he will call them again when they are open on my behalf to get this resolved. He stated he will not. I told him, in that case, I definitely need to keep calling and will call Equifax again tomorrow when that office is open and they can call them on my behalf while I am on the line if they will not do so otherwise to resolve this issue. Then we can talk about sending my information a third time.
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12/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On or around XXXX XX/XX/XXXX I received the results of a dispute I'd filed around XXXX XX/XX/XXXX. The results of the dispute stated the data furnisher, XXXX XXXX XXXX XXXX, had verified the information they supplied to Equifax for a student loan were accurate.
Included in the results was a payment history for the last two ( 2 ) years. For the months of XX/XX/XXXX and XX/XX/XXXX, the data supplied to Equifax lists expected payment amounts of seventy-two ( XXXX ) dollars and records that no payments were received for either month. The dataset shows that no payments were due for the months of XX/XX/XXXX thru XX/XX/XXXX and that a payment was due for the months thereafter.
Now, the date for which the first payment was allegedly due AFTER XX/XX/XXXX corresponds to the end of an in-school forbearance. The month for which student loan reapayments began is listed as XX/XX/XXXX. However, a letter from XXXX XXXX dated XXXX XX/XX/XXXX states the student loans were in forbearance until XXXX XX/XX/XXXX. A letter from early in that XXXX XX/XX/XXXX lists the end-date for the in-school forbearance as XXXX XX/XX/XXXX. A first statement is then generated on or around XXXX XX/XX/XXXX with a current due date of XXXX XX/XX/XXXX.
For each subsequent statement, CFPB interpretation of Regulation Z requires the statement date to be the same date each month with no more than a four ( 4 ) variation from the date established per the first bill. Moreover, the minimum duration between the statement date is to be no less than twenty-one ( XXXX ) days under 12 CFR 1026.2 " Definitions and Rules. '' XXXX XXXX acknowledges this in some facet in a letter from research and remediation associate XXXX XXXX : " Please note that our office is only required to provide you at least a XXXX grace period between the statement notice and the due date of your monthly payment installments. '' The date of this letter is XXXX XX/XX/XXXX. In direct contrast to this knowledge, the duration of statement dates from time of repayment transfer to new loan servicer and/or charge-off was consistently less than XXXX ( XXXX ) days. Thus, XXXX XXXX consistently violated its own " policies '' and was habitually non-compliant with 12 CFR 1026.2. Moreover, XXXX XXXX has repeatedly made dubious claims of payment being required during priods for which a statement was NOT generated. This directly contradicts the terms of the MPN which requires staements to be provided even during periods of forbearance and/or deferment, which encompasses in-school forbearances, in-school deferments, disaster forbearances, etc.
Any month in which XXXX XXXX furnished payment history data that is/was non-compliant with 12 CFR 1026.2, is non-reportable by a CRA and can not be included in a consumer file because it compels the CRA to report consumer history that violates my protections under 12 CFR Part 1026. As consequence the CRA would then be reporting data that is patently inaccurate resulting in CRA violations of the FCRA as amended and enforced under 12 CFR 1022, at minimum. Yet, Equifax continues to include this patently inaccurate data in my credit file, even when portions of that dataset for the same account/tradeline contradict other portions of the dataset for the same account/tradeline. Contradictory information is patently inaccurate and non-reportable by a CRA. Moreover, if supplied in whole ( or part ) as contradictory from a data-furnisher, it is patently unverifiable -- the data is patently false, thus violating 12 CFR Part 1022.
Any payment history that results from inaccurate data is to be removed because that data is inaccurate and/or unverifiable. Documentation supplied by the consumer in a consumer complaint that demonstrates the data is inaccuarate, becuase it contradicts other pieces of data on which a data-furnisher 's assertion is made, necessitates removal without the consent of the data furnisher because it is patently inaccurate and continues to harm a consumer during a CRA " investigation ''. The threshold for such instances is supplying the CRAs with information generated by the data-furnisher, that directly contradicts the information the CRA has on-file per the account/tradeline of the data-furnisher. Typically data that refutes the data within a consumer file is provided as a statement on the data-furnisher 's letterhead.
In examining the payment history data table supplied by Equifax itself there are a serious number of inaccuracies for which Equifax can not reasonably construe as " accurate '' given the documentation that I have supplied, documentation supplied, on the data-furnisher 's letterhead, that directly refutes other pieces of data within the data-set for the XXXX accounts/tradelines for the same periods. Additionally Equifax knows the data supplied by XXXX is inaccurate and unverifiable because they removed some of the offending data between reports generated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Evidence of the rroneous data still propagating past XXXX XX/XX/XXXX include months showing payment history charge-off status codes, such as ( L ) or ( CO ), that can not possibly exist becuase Equifax has clearly registered " no data available '' in the corresponding history table. Alleged CO status periods are boxed by CO monthsfor which the CO status has corresponding " no data available ''. Conseuquentially the CO status indicators for months in-between ( and inclusive of ) XX/XX/XXXX XX/XX/XXXX are unverifiable because they have no identified action in the dataset that would warrant a CO action. Months for which accounts were in an in-school forbearance, acknowledged by XXXX XXXX as such in multiple letters, are recorded as having scheduled payment amounts while other months encompassing the same forbearance/deferment period show no scheduled payment amounts. One such case is the months of XX/XX/XXXX thru XX/XX/XXXX, for which it has already been stated and corroborated by XXXX XXXX that the account was in an in-school forbearance status, but reflect in the Equifax dataset as a payment scheduled and owing, while periods XX/XX/XXXX thru XX/XX/XXXX show none. Other examples include dates for which Equifax records show payments were made, most of which were in excess of the scheduled payment, but show zero ( 0 ) decrease or increase in balance : the balance for a subsequent month remains identical to that of the previous month. Finally newer months in the Equifax history have corresponding last payment dates that are older than that of prior months. For example the month of XX/XX/XXXX indicates a last payment date of XXXX XX/XX/XXXX, while the month of XX/XX/XXXX indicates a ldate of last payment of XXXX XX/XX/XXXX. Both of these stand in stark contast to XX/XX/XXXX that shows a last payment date of XXXX XX/XX/XXXX.
At best the dataset housed by the CRAs for the XXXX accounts is incohate. Be it due to nascency or flat-out incoherence, the data can not possibly meet the reprting requirements under the FCRA as implemented in 12 CFR Part 1022.
I have filed nearly one-hundred ( 100 ) complaints with the CFPB regarding these issues, many of which have been transmitted to both the CRAs AND XXXX XXXX, thus satisfying my responsibilities to ensure factual accuracy of my credit files as permitted under the FCRA. Because many of these CFPB complaints have also been transmitted ( in writing ) to the data furnisher, I have also submitted FCRA 623 ( c ) disputes directly to XXXX XXXX. Now XXXX XXXX has received the documentation I've supplied to both FCRA 623 ( c ) disputes, AND disputes from the CRA, yet has furnished the same erroneous data to the CRAs, and mailed me the evidence that contradicts their assertions to the data furnished to CRAs in response to my disputes, They have subsequently, or even simultaneously, submitted responses to the CFPB that contradict, and in some cases directly refute, the information supplied in the datasets to the CRA. Therefore, XXXX XXXX knows, OR SHOULD KNOW there is a serious problem with their records and likely have refused to admit the failures for fear of consequences akin to those outlined in prior XXXX XXXX consent agreements they've previously enterd into with the CFPB for poor lending practics, poor billing practices, and non-compliance as a data furnisher when reporting consumer account statuses to the CRAs. Thus, despite receiving numerous 623 disputes, and FCRA disputes, XXXX XXXX has chosen not to fulfill its responsibilities as a data-furnisher under 12 CFR 1022.20 - 1022.43 " Duties of Furnishers of Information ''.
Likewise, the CRAs have received my complaints and the obviously erroneous/inaccurate/unverifiable data is perpetuated due to the CRA reliance upon the data furnisher instead of independent review of consumer dipsute narrative and accompanying documentation. Thus, it would the CRAs continue to perpetuate patently inaccurate data within my credit file that harms me as a consumer with current and potential lenders for products ranging from education financing, automobile financing, housing, etc. The fact is, data generated by a data furnisher that is non-compliant with 12 CFR 1026 in general is not reportable as a part of a consumer file. Yet, the CRAs, in this case Equifax, continues to use the blanketed statement " the information was being reported as accurate '' becuase the data furnisher, XXXX XXXX, had verified its accuarcy. This clearly indicates Equifax has repeatedly failed in its responsibilities under FCRA to conuduct an investigation and repeatedly abridged my rights of due process under the FCRA by simply processing disputes, translating them into an eOSCAR code ( not necessarily reflecting the correct reason for the dispute ). The CRAs, here Equifax, has then submitted the dispute to the data-furnisher, to leave it to the data-furnisher ( or its computer system ) to verify the accuracy of the data. The woeful ignorance of the XXXX in even refusing to conduct a cursory examination of the documentation, or to take steps when the data-furnisher 's own statements contradict the information supplied by the data-furnisher, indicates the CRAs, in this case Equifax, knows OR SHOULD KNOW there is inaccurate information, and has thus knowingly and of their own volition chosen to abdicate their responsibilities as outlined in 12 CFR Part 1022 pursuant to the FCRA as amended.
Precedent at the Federal level indicates that I have cause to file legitimate claims within Federal courts to obtain relief, for which I am allowed to seek damages from XXXX AND the CRAs for their roles, in what coloquially would be referred to as a s-show, in what constitues a willful abdication of responsibility, integrity, and adherence to law. I am therefore demanding the CRAs, here Equifax, remove the accounts/tradelines for both XXXX student loan accounts.
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04/27/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$130.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. XXXX XXXX. account with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX. account with account # XXXX opened on XX/XX/XXXX and a balance of {$280.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 30 Delinq is incorrect because the balance due on this account is {$0.00}. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.XXXX account with account # XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$550.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter.
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX/XXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$130.00}. This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are XXXX late payments being reported. XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 Delinq is incorrect because the balance due on this account is $ XXXX XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$550.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. XXXX XXXX Rental agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$770.00}. This account is incorrectly reporting that I have 4 late payments. On my Equifax report there are 1 late payments being reported. XXXX account from XXXX with account # XXXX and a balance of {$410.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter.
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$360.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$130.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.XXXX XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of XXXX XXXX is incorrect because the balance due on this account is {$0.00}. XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$770.00}. This account is incorrectly reporting that I have 3 late payments. On my Equifax report there are 1 late payments being reported. Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$410.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Collection account from XXXX with account # XXXX and a balance of {$550.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter.
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09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
To Whom It May Concern, In the course of recently screening my personal Equifax credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. PLEASE VERIFY LATE PAYMENT HISTORY OF THIS ACCOUNT.
XXXX XXXX XXXX XXXX Account Number : XXXX This account that is being reported late on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards. Therefore please remove all late payments being reporting on this account or I will be forced to file a complaint with the proper authorities for reporting inaccurate information.
2. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
3. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
4. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
5. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
6. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX-XXXX**** This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
7. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
8. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
9. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
To Whom It May Concern, In the course of recently screening my personal Equifax credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. PLEASE VERIFY LATE PAYMENT HISTORY OF THIS ACCOUNT.
XXXX XXXX XXXX XXXX Account Number : XXXX This account that is being reported late on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards. Therefore please remove all late payments being reporting on this account or I will be forced to file a complaint with the proper authorities for reporting inaccurate information.
2. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX Card Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
3. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
4. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
5. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX Card Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
6. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
7. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
8. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
9. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding to me This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : XXXX # XXXX ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and XXXX FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by CORPORATION/COMPANY NAME or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX cc Federal Trade Commission
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06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you.I demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to this alleged debit.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : XXXX # XXXX ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by CORPORATION/COMPANY NAME or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
CREDIT BUREAU NAME Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX cc Federal Trade Commission
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08/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax and XXXX and XXXX Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.
The date you contacted the individual funishers of information.
The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.
Please forward an updated credit report to me after you have completed your investigation and corrections.
Your cooperation and prompt attention are required by law.
Sincerely, XXXX XXXX
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11/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
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XXXX XXXX XXXX XXXX Inquiry XXXX Phone Number XXXX XXXX All Banks - non specific XXXX Inquiry Type : XXXX XXXX - non specific XXXX XXXX XXXX Inquiry DateXXXX XXXX XXXX XXXX XXXX - non specific XXXX. XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Companies XXXX XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Inquiry Type XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these are all fraudulent inquiries that are from XXXX. I have called multiple times to speak with him about the inquiries that are on my consumer report. I was told that I couldnt file a dispute for these inquiries that are on my consumer report. These are the inquiries from XXXX I was told by XXXX that I couldnt file a dispute.XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Finance, personal XXXX Dispute XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Finance, personal XXXX XXXX Inquiry Date XXXX XXXX Finance, personal XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Finance, personal XXXX XXXX XXXX Inquiry Date XXXX XXXX Automotive XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Department, variety, local, regional, and national chains XXXX Dispute Inquiry Type : Banks and XXXX & XXXX XXXX XXXX Inquiry Date XXXX XXXX Banks and XXXX & XXXX XXXX and these are the inquiries from equifax as well. I called him, contacted him and try to have these inquiries removed, which were fraudulent and I over and over went over it with him about how theyre fraudulent. XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX All Banks No Phone Provided Dispute Inquiry Type : XXXX XXXX XXXX XXXX Inquiry Date Phone Number XXXX XXXX Credit Unions Inquiry Type : XXXX XXXX XXXXXXXX XXXXXXXX Inquiry Date XXXX XXXX. Equifax, and XXXX.and XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. To Whom It May Concern : Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports at this time I will also inform you that if your offices have or continue to report invalidated information this includes ( Equifax, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXX XXXX ) ( VIOLATION UNDER FCRA {$1000.00} ). 15 US C 1681 section 602 A. States I have the right to privacy. ( VIOLATION UNDER FCRA {$1000.00} ) 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written {$1000.00} ) 15 U.S.C 1692c ( VIOLATION UNDER FCRA {$1000.00} ). Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. ALSO, FAILURES TO BLOCK ALL INFORMATION OBTAINED FROM IDENTY THEFT 15 USC 1681c-2 ( VIOLATION UNDER FCRA S1000 ) am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( Debt collector name ) is attempting to collect a debt from I. the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( Debt Collector name ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constilutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( Debtcollector name ) for the account opened ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( Debt Collector Name ) into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
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02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I have XXXX collection account on Equifax for a medical bill for an ambulance ride after a car accident in XXXX XXXX. It's for {$290.00}. Equifax is the only credit bureau who refuses to fix this error on my report. I've been on XXXX since birth. I've had XXXX and XXXX my entire life. They pay % XXXX of my hospital bills and Dr bills and % 100 of my perscriptions. I have had a {$0.00} copay my entire life. I've been in an ambulance more than once in my life, every other ambulance bill has been paid for in full by my insurance. I have submitted dispute after dispute to Equifax to fix this situation on my credit report with no success. XXXX does not show this account as a collection on my report. I have zero accounts in collections with XXXX. I also have zero accounts in collections XXXX. Equifax is the only credit bureau that refuses to remove this incorrect collection account off my report. Is the one thing that I believe has been holding me back from being able to access any sort of relief loans or any line of credit going all the way back for the past 7 years. I have had zero credit cards and zero loan offers for years and years in a row now and when I try to apply Time After Time again the fact that I have had no credit cards or loans on my credit history ends up being a negative and ends up being one of the reasons why I continuously and being denied every single application again and again. The only thing that is showing on any of my accounts is this one collection account and it is only on Equifax. Every other category on all three credit bureau credit reports has had a big fat zero listed for years and years in a row because I can't seem to qualify for anything even when I was making more money than I am now I never qualified for anything and I believe it's because of this incorrect collection account information for this one medical bill that only Equifax can't seem to figure out and fix. I have been in need of relief assistance due to income loss because of covid-19 for the past 2 years. My XXXX assistance had been cut off due to the normal XXXX reinstatement process that happens every so many years. I had the Social Security office help with my reinstatement application over the phone by a phone call appointment in XXXX of XXXX and I have been under claim status since then. They are backlogged they told me because of covid-19 and that is why I haven't received my payments for over half a year now! It would have been really really nice if Equifax would have gotten this error fixed a long long time ago so that I would be able to qualify for some sort of relief assistance. I live on my own and it has been very hard for me. I believe that Equifax has not done everything they can for me like they should be doing. I have submitted a dispute just about every XXXX months straight for the past two plus years going back for how many years now in a row. And nothing ever has been taken care of. Sometimes I haven't even been able to access my dispute results even though it says completed and that I have a confirmation dispute number and everything when I click on dispute results for certain past disputes for this collection account the link doesn't even work and I have never been able to see the results for a few of the times I have disputed this same collection account! Every other time the result comes back that my dispute has been denied and they continue to list this medical bill under collections in my name. Even though I have made it known to them multiple times that they are the only credit bureau who lists this collection account on my credit report, and even though it's listed as a medical bill from XXXX and I have continuously put in my dispute that I had medical insurance coverage at this time and it should have been billed properly and that this billing error was not my fault, Equifax continues to list this collections in my name. A few years ago I even called XXXX and spoke with a woman who told me to put a statement on my credit report listing that I dispute this information as inaccurate and that it was a medical bill that needed to have a billing error fixed. She actually told me how to word it and everything so that it would most accurately describe my situation and so that it would be worded the most proper way on my report under my comments section for this specific collection account. She told me how to go about reporting it to try to take care of it but it never worked out for me and I have been trying to deal with it ever since. It is very very frustrating and it is not fair that it is on one credit report but not the others but yet it's still holds me back from being able to do anything. I can't even rebuild my credit which remains extremely low no matter what I do despite of the fact that I have zero listed under every other category on all three reports and zero listed under all categories under XXXX and XXXX. Equifax has been unfairly holding me back and refusing to fix this issue. They have been holding me back from being able to receive any covid-19 relief assistance by negatively impacting credit card and loan applications so that I received denials on everything year after year after year. They also incorrectly list my current address as a former address and my former address as my current address and when I try to dispute this information to update my correct address it's not even one of the options under this type of dispute. But it says in their information on the Equifax site that incorrect addresses past or current can and should be disputed in order to be fixed. Well then why is it not an option for me to say that they have my current address listed as my former address and my former address incorrectly listed as my current address? The only options they actually do have don't fit my situation. They have the option to dispute it if it is an address that belongs to someone else, or if I never lived there in the first place, they have a few other options but nothing accurately describes the fact that they have my former and my current addresses switched around but that they both are addresses that have been in my name and are in my name currently! It is very very frustrating to get the run around over and over and over again and to get nowhere with something that is extremely obvious and extremely unfair. Equifax has unfairly been holding me back from accessing any sort of credit or loan assistance relief when I need it the most! I do not understand why they are the only credit bureau who refuses to correct the inaccurate information on my report. I just don't know what else to do. This is extremely overwhelming and exhausting. I need help trying to get my credit information updated and accurately reported. I want this fixed and I want it to be over and done with. It has taken up too much of my time and has been extremely exhausting. This inaccuracy has caused excess financial stress and has caused my mental health to suffer drastically because of additional unnecessary anxieties and added stressors which has increased my mental health chemical imbalances directly causing my physical health to suffer due to increased activity with muscle spasms and uncontrollable muscle movements causing an extreme amount of unnecessary increase in my pain and my nerve activity flaring up my XXXX and my other chemical imbalance issues. This has caused me to increase my XXXX visits to help cope as well as adding new doctors and twice weekly physical therapy appointments to help with the increase in my physical health and the level of pain that has been increased because of all of the financial stressors and roadblocks that have been caused because Equifax has refused to correct these inaccuracies which has resulted in preventing qualification for me to access every single loan assistance or credit card application that I've attempted to apply for to try to get some sort of financial relief because of covid 19 and my current financial situation. I am extremely frustrated at this point and I am not sure what else to do. I need help figuring this out. I'm at my Witt 's end with this and I've about lost all hope to ever getting my credit report with Equifax updated to include all accurate information on my behalf. This is extremely unfair of Equifax to continue to put me in this predicament. Especially when they're the only credit bureau that lists this incorrect information in the first place! Someone please help me since I can't seem to get anyone at Equifax to do anything about this for me on my own! I have a current dispute in progress for this incorrect collections account but I do not believe I am going to get any different result than I have every other single dispute I have submitted about this very same incorrect collections account. I just don't understand. I'm about fed up with Equifax and their unfair treatment of my credit information. Their refusal to accurately update my information goes against what they claim they do as a company for us as consumers. I don't understand how any of this is legal for them to keep this up for this many years in a row. They should be held accountable for this and made to correct my credit report. They should not be allowed to unfairly hold me back from accessing every single type of credit and loan that could be useful in offering me any sort of financial relief. It seems like instead of working for me they have been working against me this entire time. I'm extremely upset about this unfair treatment and I want something done about it!!! I need help figuring this out since I seem to have failed for the past how many years trying to figure out how to get this resolved on my own. I just don't know what to do. Nothing I have done seems to produce any sort of results leading to correcting and accurately updating my information on my credit report with Equifax. It is totally unfair that they are the only credit bureau that refuses to resolve this inaccuracy. It should be illegal for them to do this to me and hold me back from accessing and qualifying from everything just because they simply refuse to remove this incorrect negative information on my credit report! This has been extremely unfair to me and I'm exhausted and overwhelmed over the increase in financial stress this has caused me. I'm very angry about this unfair treatment I've been receiving from Equifax this entire time. This has been extremely stressful. I'm very upset about it. I want this resolved now! What can I do to make that happen? I want my credit report fixed to show all accurate and updated information for all of my personal info and every single one of my accounts. I want this taken care of! And I want this unfair treatment stopped.
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02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have 1 collection account on Equifax for a medical bill for an ambulance ride after a car accident in XXXX XXXX. It's for {$290.00}. Equifax is the only credit bureau who refuses to fix this error on my report. I've been on XXXX since birth. I've had medicaid and medicare my entire life. They pay % XXXX of my hospital bills and Dr bills and % XXXX of my perscriptions. I have had a {$0.00} copay my entire life. I've been in an ambulance more than once in my life, every other ambulance bill has been paid for in full by my insurance. I have submitted dispute after dispute to Equifax to fix this situation on my credit report with no success. XXXX does not show this account as a collection on my report. I have zero accounts in collections with XXXX. I also have zero accounts in collections XXXX. Equifax is the only credit bureau that refuses to remove this incorrect collection account off my report. Is the one thing that I believe has been holding me back from being able to access any sort of relief loans or any line of credit going all the way back for the past 7 years. I have had zero credit cards and zero loan offers for years and years in a row now and when I try to apply Time After Time again the fact that I have had no credit cards or loans on my credit history ends up being a negative and ends up being one of the reasons why I continuously and being denied every single application again and again. The only thing that is showing on any of my accounts is this one collection account and it is only on Equifax. Every other category on all three credit bureau credit reports has had a big fat zero listed for years and years in a row because I can't seem to qualify for anything even when I was making more money than I am now I never qualified for anything and I believe it's because of this incorrect collection account information for this one medical bill that only Equifax can't seem to figure out and fix. I have been in need of relief assistance due to income loss because of XXXX for the past 2 years. My XXXX assistance had been cut off due to the normal XXXX reinstatement process that happens every so many years. I had the Social Security office help with my reinstatement application over the phone by a phone call appointment in XXXX of XXXX and I have been under claim status since then. They are backlogged they told me because of XXXX and that is why I haven't received my payments for over half a year now! It would have been really really nice if Equifax would have gotten this error fixed a long long time ago so that I would be able to qualify for some sort of relief assistance. I live on my own and it has been very hard for me. I believe that Equifax has not done everything they can for me like they should be doing. I have submitted a dispute just about every 3 months straight for the past two plus years going back for how many years now in a row. And nothing ever has been taken care of. Sometimes I haven't even been able to access my dispute results even though it says completed and that I have a confirmation dispute number and everything when I click on dispute results for certain past disputes for this collection account the link doesn't even work and I have never been able to see the results for a few of the times I have disputed this same collection account! Every other time the result comes back that my dispute has been denied and they continue to list this medical bill under collections in my name. Even though I have made it known to them multiple times that they are the only credit bureau who lists this collection account on my credit report, and even though it's listed as a medical bill from XXXX and I have continuously put in my dispute that I had medical insurance coverage at this time and it should have been billed properly and that this billing error was not my fault, Equifax continues to list this collections in my name. A few years ago I even called Medicare and spoke with a woman who told me to put a statement on my credit report listing that I dispute this information as inaccurate and that it was a medical bill that needed to have a billing error fixed. She actually told me how to word it and everything so that it would most accurately describe my situation and so that it would be worded the most proper way on my report under my comments section for this specific collection account. She told me how to go about reporting it to try to take care of it but it never worked out for me and I have been trying to deal with it ever since. It is very very frustrating and it is not fair that it is on one credit report but not the others but yet it's still holds me back from being able to do anything. I can't even rebuild my credit which remains extremely low no matter what I do despite of the fact that I have zero listed under every other category on all three reports and zero listed under all categories under XXXX and XXXX. Equifax has been unfairly holding me back and refusing to fix this issue. They have been holding me back from being able to receive any XXXX relief assistance by negatively impacting credit card and loan applications so that I received denials on everything year after year after year. They also incorrectly list my current address as a former address and my former address as my current address and when I try to dispute this information to update my correct address it's not even one of the options under this type of dispute. But it says in their information on the Equifax site that incorrect addresses past or current can and should be disputed in order to be fixed. Well then why is it not an option for me to say that they have my current address listed as my former address and my former address incorrectly listed as my current address? The only options they actually do have don't fit my situation. They have the option to dispute it if it is an address that belongs to someone else, or if I never lived there in the first place, they have a few other options but nothing accurately describes the fact that they have my former and my current addresses switched around but that they both are addresses that have been in my name and are in my name currently! It is very very frustrating to get the run around over and over and over again and to get nowhere with something that is extremely obvious and extremely unfair. Equifax has unfairly been holding me back from accessing any sort of credit or loan assistance relief when I need it the most! I do not understand why they are the only credit bureau who refuses to correct the inaccurate information on my report. I just don't know what else to do. This is extremely overwhelming and exhausting. I need help trying to get my credit information updated and accurately reported. I want this fixed and I want it to be over and done with. It has taken up too much of my time and has been extremely exhausting. This inaccuracy has caused excess financial stress and has caused my mental health to suffer drastically because of additional unnecessary anxieties and added stressors which has increased my mental health chemical imbalances directly causing my physical health to suffer due to increased activity with muscle spasms and uncontrollable muscle movements causing an extreme amount of unnecessary increase in my pain and my nerve activity flaring up my XXXX and my other chemical imbalance issues. This has caused me to increase my XXXX XXXXisits to help cope as well as adding new doctors and twice weekly XXXX XXXX appointments to help with the increase in my physical health and the level of pain that has been increased because of all of the financial stressors and roadblocks that have been caused because Equifax has refused to correct these inaccuracies which has resulted in preventing qualification for me to access every single loan assistance or credit card application that I've attempted to apply for to try to get some sort of financial relief because of XXXX XXXX and my current financial situation. I am extremely frustrated at this point and I am not sure what else to do. I need help figuring this out. I'm at my XXXX 's end with this and I've about lost all hope to ever getting my credit report with Equifax updated to include all accurate information on my behalf. This is extremely unfair of Equifax to continue to put me in this predicament. Especially when they're the only credit bureau that lists this incorrect information in the first place! Someone please help me since I can't seem to get anyone at Equifax to do anything about this for me on my own! I have a current dispute in progress for this incorrect collections account but I do not believe I am going to get any different result than I have every other single dispute I have submitted about this very same incorrect collections account. I just don't understand. I'm about fed up with Equifax and their unfair treatment of my credit information. Their refusal to accurately update my information goes against what they claim they do as a company for us as consumers. I don't understand how any of this is legal for them to keep this up for this many years in a row. They should be held accountable for this and made to correct my credit report. They should not be allowed to unfairly hold me back from accessing every single type of credit and loan that could be useful in offering me any sort of financial relief. It seems like instead of working for me they have been working against me this entire time. I'm extremely upset about this unfair treatment and I want something done about it!!! I need help figuring this out since I seem to have failed for the past how many years trying to figure out how to get this resolved on my own. I just don't know what to do. Nothing I have done seems to produce any sort of results leading to correcting and accurately updating my information on my credit report with Equifax. It is totally unfair that they are the only credit bureau that refuses to resolve this inaccuracy. It should be illegal for them to do this to me and hold me back from accessing and qualifying from everything just because they simply refuse to remove this incorrect negative information on my credit report! This has been extremely unfair to me and I'm exhausted and overwhelmed over the increase in financial stress this has caused me. I'm very angry about this unfair treatment I've been receiving from Equifax this entire time. This has been extremely stressful. I'm very upset about it. I want this resolved now! What can I do to make that happen? I want my credit report fixed to show all accurate and updated information for all of my personal info and every single one of my accounts. I want this taken care of! And I want this unfair treatment stopped.
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10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Now you are willfully causing financial harm All of the inquiries need to be deleted regardless of your policies. Below is a description of why XXXX XXXX, XXXX Date XXXX XXXX, XXXX Company XXXX XXXX Address XXXX XXXX, XXXX XXXX XXXX, XXXX, CT XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Date XX/XX/XXXX Company XXXX Address XXXX XXXX XXXX XXXX, XXXX, OH XXXX Date XX/XX/XXXX Company XXXX XXXX Address XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Date XX/XX/XXXX Company XXXX Address XXXX, XXXX XXXX XXXX, XXXX, MD XXXX Date XX/XX/XXXX Company XXXX Address XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XX/XX/XXXX Company XXXX Address XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX DateXXXX XXXX, XXXX XXXX XXXX Address XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Request XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AddressXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Also The following account Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX, with a balance of {$18000.00} out of {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX All three reporting agencies are reporting that without my written consent as well.
I would like that to be deleted or updated to perfect payment history and XXXX Balance just as the XXXX XXXX Account Was.
Below is a full description of why that is required.
Pursuant 15 USC 1681a 2B- 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX has already stated that these items should not be included on my consumer report. Furthermore, XXXX 15 USC 1602 ( l ) defines that a credit card is : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The law stated above clearly depicts that my social security card and drivers license are credit cards. These ACCOUNTS AND INQUIRIES were opened by my credit card and any items opened by my credit card need to be removed immediately from my consumer reports ( pursuant 15 USC 1681a 2B stated above ) You are ALSO in severe violation of 15 U.S.C. 1692g, 15 U.S.C. 1695, FCRA, FDCPA, along with the GrammLeachBliley Act along with other laws outlined in this letter. The Natural person cant owe anything! Under the FCRA, for an account to be validated, myself, friends or my associates were to be interviewed. NONE OF THAT NEVER HAPPENED FOR ANY OF THESE INQUIRIES SO THEY NEED TO BE DELETED. According to the 15 U.S.C. 1692g ( B ), for a debt to be valid the original contract with my wet ink signature must be supplied to me showing proof of my original signature. This has not been done in any form within the allotted time According to the Gramm-Leach-Bliley Act, I have the right to deny any items from being reported on my credit reports. I know my rights and the fact that consumer reporting is completely optional. I never gave any agency my consent that ANY DEBT belonged to me. Pursuant to 12 USC 1431, banks are borrowers and legally cant give loans, so none of this debt belongs to me. You have violated United States Code Law 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave you written consent to report anything on my consumer report. Since I never gave consent to have these items reporting, these items are false and misleading. 15 U.S.C 1681a ( b ) Any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device, anything authorized from my credit card should be excluded from my consumer report. I want everything listed below deleted from my credit report. According to 15 USC 1605 ( a ), any transaction that requires my social does in fact involve a finance charge, which is illegal because selling credit is against the LAW. You have violated my right to rescission by not disclosing that information to me pursuant 15 USC 1635 ( a ), 15 USC 1635 ( b ).
After XXXX, the government agreed to assume all liabilities that arise under credit card transactions pursuant 18 USC 8, therefore all DEBT BELONGS TO THEM. The definition of a credit card as seen in 15 U.S.C 1602- Any CARD, PLATE, COUPON BOOK or other device existing for obtaining money, property, labor or services on credit. My social security card and license are credit cards under this definition. ANOTHER VIOLATION OF MY RIGHTS! Agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate any debt. I DO NOT VALIDATE ANY OF THESE DEBTS! Pursuant 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I receive no benefits from any of the debts alleged belonging to me so therefore my credit card has unauthorized use by all of these companies! I DID NOT GIVE THEM ANY PERMISSION TO DO SO. According to 15 U.S.C 1692j and the fact that Im the original creditor, these items are furnished in a deceptive form. Therefore, if the following accounts arent removed you are CRIMINALLY AND CIVIALLY LIABLE ( 15 USC 1611, 15 USC 1640 )!
Also deletion is admittance of guilt. You've deleted all of the prior disputes because you were in violation of the law.
Under 15 U.S. Code 1692k - Civil liability I DEMAND {$1000.00} USD for each violation, as you have caused severe damage to my character. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Below is your response, depicting accounts that you've recently deleted due to violations that you've committed.
" Company responded XXXX Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : YOUR EQUIFAX CREDIT FILE IS CURRENTLY BLOCKED FOR PROMOTIONAL PURPOSES. INQUIRIES ARE A FACTUAL RECORD OF ALL COMPANIES THAT HAVE ACCESSED YOUR CREDIT FILE. IF YOU BELIEVE THE INQUIRIES WERE UNAUTHORIZED, PLEASE CONTACT THE COMPANIES DIRECTLY. PROMOTIONAL, ACCOUNT REVIEWED AND ACCOUNT MONITORED INQUIRIES REMAIN ON THE CREDIT FILE FOR 12 MONTHS AND ARE NOT SHARED WITH POTENTIAL CREDIT GRANTORS. PAID AS AGREED ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED XXXX YEARS FROM THE REPORTED DATE. PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. THE ADDITIONAL DISPUTED ITEMS ARE NOT CURRENTLY REPORTING ON THE CREDIT FILE. ID : Current Name EQUIFAX, XXXX XXXX XXXX, XXXX, UPDATE, XXXXXXXX XXXX XXXX XXXX INQUIRIES ARE NOT PROVIDED TO PROSPECTIVE CREDIT Trade : XXXX XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX THE BALANCE OF THIS ITEM HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ADDITIONAL INFORMATION NON REPORTING DISPUTES Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : NA THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : NA THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR XXXX YEARS FOR EMPLOYMENT PURPOSES AND XXXX YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR XXXX YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX '' If my demands are not met this time I will move forward with my litigation.
XXXX XXXX SHALL be included due to the willful negligence among other violations.
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08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is the 3rd time of me complaining about accounts that are listed on my report that are in direct violation of my Consumer Rights. After this, if nothing is done I will seek legal counsel and press charges.
XX/XX/XXXX XX/XX/XXXX The following are direct violations of my CONSUMER Rights in pursuant of : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.
15 USC 1692g Not one single 3rd Party Collection agency has the 1099-C for Charge off showing this debt is valid and I owe their company.
15 USC 1692c Neither have I given prior written consent for any debt collector to contact me.
AFFIANT AFFIDAVIT of FACTS by AFFIANT XXXX XXXX XXXX on the XXXX day of the month of XXXX To the Addressee name and physical address as being : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX This OFFICIAL DOCUMENT is forwarded to you via CERTIFIED MAIL with TRACKING : Certified Mail Tracking number is : _____________________________________________________________________ OFFICIAL COMPOSED AFFIANT JURAT in TESTIMONIAL STATEMENT OF FACTS _____________________________________________________________________ SUMMARY OF TESTIMONIAL FACTS Lawfully brought forward for consideration : THE AGREED STATEMENT OF FACTS is for the purpose of SATISFACTORY and TRUTHFUL REQUISITE consumer reporting and record keeping, specifically in respects to the nationally recognized three major credit reporting sources of XXXX, EQUIFAX, and XXXX XXXX as well as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX among others as well as any entity of which may be involved in any manner with consumer reporting as related to this affiant of note hereby making this exact true and lawful AAF NOTICE ( Affiant Affidavit of FACTS ) on date displayed and notarized on by an official of the state lawfully in capacity to make such declaration.
BE IT KNOWN and be it ACCEPTED the following FACTS : AFFIANT FORWARDED FACT # XXXX ) Affiant Full name is and only is XXXX XXXX XXXX XXXX FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and XXXX XXXX NUMBER is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and MAILING Street Name is and only is XXXX XXXX, XXXX XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and MAILING CITY Name is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and MAILING STATE Name is and only is Texas AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE CURRENT SOCIAL SECURITY NUMBER is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE CURRENT DATE OF BIRTH is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant hereby officially REMOVES any and all authority for YOU or any entity to, retain, report, use, transfer, sell, accept or else wise ANY NOT REQUISITE information related to affiant, true or not. This consumer ERADICATION of your authority is effective TODAY, even here and now.
AFFIANT FORWARDED FACT # 9 ) Affiant hereby makes a lawful DEMAND in request for adequate and provable physical document verifiable PROOF in undeniable and irrefutable validation of any and all items of derogatory and or adversary matter for which you have, have had, or may have in future, true or not.
AFFIANT FORWARDED FACT # 10 ) Affiant announces consumer right to make composed, writ or otherwise, challenges to any uncertainty of certificates as above requested or otherwise any and all deficiency ( ies ) of testimonial certificate of absolute clarity in any and all data and or information for which you now, have in past, r may in future possess through any means from any source for any reason!
Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete entries from any consumer 's credit file the information that is found to be inaccurate or can no longer be verified as entirely fully current, true, correct, complete, timely, of consumer 's ownership, of consumer 's responsibility, absolute and irrefutably compliant to any and all reporting laws and regulations, proven by testimonial document certificate of that compliance alleged, or else wise as requisite of reporting, be it mentioned or not by the consumer.
Investigate disputed information. If consumer tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information.
Consumers may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, consumers may be able to sue in state or federal court.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. Affiant does as now today, here and now, demand in request that the receiver of this AAF NOTICE ensure that all affiant state laws are abided without fail, any deficiencies will result in affiant seeking of favorable resolution in a civil court of affiant selection. Federal and state laws are NOT ignorable by any entity, whether willfully or in ignorance.
e-OSCAR, a Metro 2 compliant is an automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. ANY AND ALL ENTITIES of reporting must be reporting certifiably in adequate and complete correct Metro 2 format reporting, absolute and perfect Metro 2 format is mandated and is not optional. I request in demand any and all certificates of proof of such alleged compliant reporting and further the CERTIFICATION of the reporters of their certified Metro 2 format training, or else eradicate any and all allegations of adversary and or derogatory nature, contested by affiant or not, mentioned or not, true or not. COMPLIANCE is MANDATED, demonstrate such in absolute clarity!
Please make notice to this declaration being that one and in of the same as an Affiant acknowledgement of AFFIANT INTENTION of future civil suit for favorable affiant resolution should addressee of this AAF NOTICE ( Affiant Affidavit of Facts Notice ) be of derelict collection and or reporting of not proven compliant allegations of injurious adversary and or derogatory claims, particularly any and all items of which affiant has here in this statement made notice to in composition.
I demand in request that receiver of this declaration accept it as being officially my CONSUMER DECLARATION to ANNUL ALLEGED DATA not requisite reported or else wise not as required CERTIFIED in its entirety as being fully current, true, correct, complete, timely, of affiant 's ownership, of affiant 's responsibility, certifiably compliant to all collection and or reporting laws, and or with proven testimonial and documented certificate of said compliant as is mandated by law. Affiant today, here and now, demands receiver to CEASE activity ( ies ) of adversary or derogatory nature versus affiant, even those of collection and or reporting, or else any action even if not here mentioned!
TODAY IS XX/XX/XXXX FROM ME : XXXX XXXX XXXX This here document declaration to include the following notarized section ( XXXX ) shall serve as unmistaken lawful AFFIANT AFFIDAVIT of FACTS by me, the affiant. This document declaration in its entirety is issued to you as being a provable affidavit that is a sworn voluntary, sworn written statement, sworn desired.
My name is that same as of the noted of the affiant, I am the person providing the statement, I am as well mentioned in the affidavit and as the true affiant understand now and in future of fact I am and was required to sign the affidavit in the notary 's presence, as is done.
XXXX XXXX XXXX XXXX ) Before me, the undersigned notary public, this day, personally, appeared to me known, who being duly sworn according to law, deposes the following : I demand eradication of alleged claims, be them or not be them debts, to be satisfied and settled in full or else wise annulled without prejudice and or injury to me the consumer alleged of unproven debt and or adversary and or derogatory claims. I demand absolute proof of any debts alleged, account history alleged, ownership alleged, responsibility alleged, truth as reported, accuracy as reported, completeness as reported, timeliness as reported, and full compliance as reported o otherwise attempted in the collection. Deficient of requested document testimony in composed writ form, you must cease reporting and equivalently reporting of this unfounded claim of derogatory debt.
All Rights Reserved Without Prejudice, XXXX XXXX XXXX XXXX The following are direct violations of my CONSUMER Rights in pursuant of : 15 USC 1681 Section 602 ( h ) - I have the right to privacy XXXX XXXXSC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission.
15 USC 1692g Not one single 3rd Party Collection agency has the 1099-C for Charge off showing this debt is valid and I owe their company.
15 USC 1692c Neither have I given prior written consent for any debt collector to contact me.
XXXX XXXX XXXX XXXX XXXXotentially Negative _____________________________________XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX Potentially Negative _______________________________________XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXXXXXX Potentially Negative _______________________________________XXXX XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Potentially Negative ________________________________________ XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX - XXXX XXXX XXXX ________________________________________ XXXX XXXX XXXXXXXX Potentially Negative ________________________________________ XXXX IXXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX - XXXX Potentially Negative
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04/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THIS IS NOT A DUPLICATE COMPLAINT!!!
I filed a complaint on XX/XX/2019 COMPLAINT # XXXX and it and it was closed on XX/XX/2019. THIS WAS OVER THE 30 DAY MARK ( 43 TO BE EXACT ) and that alone is reason to have this removed. They are only allowed 30 Days per FCRA TIMELINE AND LAW.
Secondly this is about the results from the original complaint, XXXX came back two accounts were verified and the other two bureaus could not verify the accounts. So I asked the question, how could EQUIFAX do a verification, when the information/documentation was't available to XXXX and XXXX. They receive the exact same information from the exact same original creditor. EQUIFAX has misrepresented the facts to me and the CFPB.
i THINK REQUESTED IN THIS NEW COMPLAINT TO RECEIVE THE DOUCMENTATION ETC. As allow within my rights by the FCRA and EQUIFAX has closed the complaint as a duplicate complaint, which it is not. I am bring into question the results and proof of said results.
Equifax has now came back on another complaint with the genetic answer, they require more time. IF I AM REQUESTING THE DOCUMENTATION FOR THE INVESTIGATION, THAT WAS JUST COMPLETED. EQUIFAX SHOULD HAVE THE POSITION RESPONSE OF : " WE HAVE MAILED A COPY OF THE DOCUMENTATION ETC. THAT WAS USED TO VERIFY THE ACCOUNTS, AS THEY STATED THEY VERIFIED THE ACCOUNTS. WHAT INFORMATION ARE THEY SEARCHING FOR. THEY TESTIFED IN WRITING TO THE CFPB, THAT THE VERIFICATION WAS DONE. SO WHERE ARE THE DOCUMENTS AND INFORMATION I REQUESTED PER MY LEGAL RIGHTS?
THIS WAS EQUIFAX RESPONSE TO THE COMPLAINT : Thank you for submitting your complaint on ( XX/XX/2019 ) through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The current address has been added/updated per the information you have supplied. XXXX XXXX CT XXXX XXXX XXXX NY XXXX. These items have been deleted from the credit file : XXXX XXXX Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Card and XXXX XXXXk/XXXX. Account # XXXX : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. Account # XXXX : This item has been deleted from the credit file : XXXX XXXX. Account # XXXX : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA XXXX. Account # XXXX : This item has been deleted from the credit file : XXXX XXXX XXXX Account # XXXX : This item has been deleted from the credit file : XXXX/XXXX. The results of the investigation have been mailed to you. If you have any additional questions or concerns in regards to the updates made to your Equifax Credit Report, please refer to the mailed revised copy or visit us at XXXX XXXX XXXX or contact a Customer Service Representative at XXXX.
It clearly states that two accounts were verified, so I exercised my rights per the FCRA and did the following request : I filed a initial dispute on XX/XX/2019. Case number XXXX and Equifax closed the case out on XX/XX/2019. Which is well over the 30 day time frame allowed by the FCRA. It is clearly stated that if the account can't be verified within 30 days it must be deleted and the Credit Bureau is allowed an additional 15, for a total of 45 days. If the Consumer provides additional information after the dispute is opened. ( WHICH I DID NOT PROVIDE ANY ADDITIONAL INFORMATION ) This dispute started on XX/XX/2019 to XX/XX/2019 for a total of 48 days and on that alone, those two accounts should be deleted. ( Over 30 days ). The next point is point is XXXX and XXXX were also involved in the dispute process and received the disputes in the same manner and exact same delivery. And yet the were unable to verify the accounts and removed the items from the credit file. How is that the other two bureaus, using the exact same XXXX XXXX XXXX. were UNABLE TO VERIFY the accounts and yet Equifax was able to verify the account???? These accounts were not verified by Equifax. This is Equifax response COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items. This process generally requires us to send a request for ( verification electronically ) to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report. It clearly states that it was a electronic verification, ( where it is assigned a code and just sent out, in the same manner as a email would be sent, electronically ) The file was just a code number and no real live contact was made, nor were any actual documents/contracts etc. with original live signatures provided or in the person of Equifax. It law clearly states that a electronic verification is not concerned a true and accurate investigation or accounting of the accounts. As prescribed by law and within the law, it states a electronic investigation is not excepted as a compliant form of investigation. This is XXXX XXXX as defined on their website : What is the XXXX method of investigation?. The Online Solution for Complete and Accurate Reporting, a.k.aXXXX XXXX is an automated system that data furnishers ( the people who put your credit account information on your credit report ) and credit reporting agencies use to create and respond to consumer credit history disputes. When you go to the XXXX website, you will see that they state : The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing The automated credit dispute verification is their fancy way of saying that instead of the credit bureaus calling the creditors themselves to check the information a consumer is disputing, it's done electronically through a computer. Another violation, is that after receiving the identity theft report. Equifax didn't follow the legal procedures for blocking the accounts ans prescribed by law. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) On XX/XX/2019, the XXXX XXXX XXXX for the XXXX XXXX XXXX Illinois XXXX XXXX ruled in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ) that compliance with the federal Fair Credit Reporting Act ( FCRA ) requirement to investigate a dispute within 30 days does not satisfy the Fair Debt Collection Practices Act ( FDCPA ) requirement to promptly report a disputed debt. I have the right to request the method of verification and I am exercising that right now. What method of verification was done? What is the Name of the person, phone, job title and direct work address, that completed the verification? I request a copy of the Original documents with live signatures, that bind me to the accounts. In addition these documents should be in your trust, prior to reporting the accounts. The law states that the credit bureaus, shall not take a furnisher on face value, but must have the supporting documentation, prior to reporting the account. ( Another violation of my rights ). If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers and I will file a CIVIL CASE. The FCRA provides for maximum penalties of {$3900.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621 and there are at least 6 violation s of my rights. Equifax is paid by the data providers and due to that fact are openly violating my consumer rights!!!!
I REQUESTED THE ORIGINAL DOCUMENT ( S ) WITH MY LIVE WET SIGNATURE ( BLUE INK ) BINDING MY TO THESE FINANCIAL DEBTS, I ALSO REQUESTED THE NAME OF THE PERSON ( S ) BUSINESS CONTACT PHONE NUMBERS, JOB TITLE, BUSINESS ADDRESS, THE PROCESS THAT WAS USED TO VERIFY THE ACCOUNT AND A AFFIDAVIT ON SWORN HANDS TESTING TO EVERYTHING REGARDING THE DOCUMENTS, RECEIVED FROM THE ORIGINAL CREDITOR AND THAT ARE TO BE DELIVERED TO ME, ARE TRUE AND ACTUAL MATTER FACTS!!!
i HAVE CAUGHT EQUIFAX WITH THEIR HANDS IN THE COOKIE JAR AND THEY ARE NOW TRYING TO CLOSE THIS COMPLAINT AS A DUPLICATE, BECAUSE TO THE NATURE OF THIS COMPLAINT, IT REQUIRES THEM TO BE FORTH RIGHT AND DISCLOSE THAT THEY IN FACT DID NOT VERIFY THESE ACCOUNTS AND ONLY USED THE XXXX XXXX XXXX ( WHICH IN NO MORE THAN A BACK OFFICE EMAIL SYSTEM ) AND THE ORIGINAL DEBTOR ONLY RESPONSE IS " THIS IS THEIR ACCOUNT AND EQUIFAX TAKES THAT AS FACT '' WHEN ILLEGALLY PER THE FCRA THEY HAVE TO DOA ACTUAL INVESTIGATION, INCLUDING RECEIVE THE ORIGINAL DOCUMENTS WITH LIVE SIGNATURES, TO VERIFY A ACCOUNT. THE LAW CLEARLY STATES THAT A ELECTRONIC RESPONSE IN NOT A LEGAL INVESTIGATION, BASE THE THE CODE NUMBER THAT SOMEONE AT EQUIFAX ASSIGNS AND THEN SENDS IT OUT ELECTRONICALLY VIA THEIR BACK OFFICE ( XXXX XXXX XXXX.
NOW EQUIFAX IS TRYING TO REMOVE THIS COMPLAINT DUE TO THE DIRECT LINE OF QUESTIONING AND DIRECT LEGAL REQUEST FOR DOCUMENTATION ETC.
I WANT THIS MATTER ADDRESSED, THEY CAN REMOVE THE ITEMS OR MY NEXT STEP WILL BE TO FILE A CIVIL COMPLAINT FOR EACH VIOLATION, INCLUDING THE FINES AND MY PERSONAL DAMAGES AND THEY CAN PAY A ATTORNEY TO COME BEFORE THE COURTS AND THEN PRODUCE THE DOCUMENTS, WHICH THEY CAN NOT. BECAUSE THESE ARE NOT MY ACCOUNTS.
I AM NOT GOING AWAY AND I AM WILLING AND MORE THAN ABLE TO PREPARE THE CIVIL COMPLAINT DOCUMENTS AND TAKE THIS TO COURT. I WORK IN THE COURT SYSTEM EVERYDAY AND KNOW MY WAY AROUND THE COURTS VERY WELL!!!
THE STOP THIS CAT AND MOUSE GAME, REMOVE THE ITEMS AND NOT HAVE ME EXPOSE EQUIFAX, AS A LIAR, FRAUD AND A COMPANY THAT MISREPRESENTS FACTS, IN A PUBLIC COURT!!!!
THIS IS NOT A DUPLICATE COMPLAINT, I CLEARLY CHECK THE BOX THAT STATES, MY COMPLAINT IS ABOUT THE INVESTIGATION PROCESS, THE RESULT AND THAT MY PROBLEM WAS NOT FIX!!!!
I AM NOT ALLOWING THEM TO SWIPE ME UNDER THE RUG. I AM NOT GOING AWAY. THEY HAVE TOO AND WILL RESPECT MY LEGAL RIGHTS OR WE ARE GOING TO COURT, I HAVE NOTHING TO HIDE. I WILL CALL FOR A FULL ACCOUNTING OF THEIR VERIFICATION PROCESS, BEFORE THE COURTS AND LET SEE IF THEY ARE FOLLOW EVERY STEP OF THE PROCESS TO THE LETTER.
THE BURDEN OF PROOF IS ON EQUIFAX NOT ME!!!
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07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party.
I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXX with Account # XXXX for a debt owed of {$180.00} that is reporting as a Collection/Charge Off XXXX XXXX with Account # XXXX for a debt owed of {$2000.00} that is reporting as a Collection/Charge Off XXXX with Account # XXXX * for a debt owed of {$1500.00} that is reporting as a Collection/Charge Off XXXX with Account # XXXX * for a debt owed of {$210.00} that is reporting as a Collection/Charge Off XXXX XXXX XXXX XXXX with Account # XXXX for a debt owed of {$220.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In accordance with the Fair Credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under U.S.C 1681 602 ( A 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit XXXXeport.8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.20. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.21. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.23. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
U.S.C. 1681 ] ( 1 ) The ba15nking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
15 U.S.C. 16 [ 81 ] Section 604 ( g ) of the FCRA prohibits consumer reporting agencies from providing consumer reports that contain medical information for employment purposes, or in connection with credit or insurance transactions, without the specific prior consent of the consumer who is the subject of the report.
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.
15 U.S. Code 1681a - Definitions ; rules of construction It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy...
15 U.S. Code 1681s2 - 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
U.S.C. 1681 ] ( 1 ) The ba15nking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
15 U.S.C. 16 [ 81 ] Section 604 ( g ) of the FCRA prohibits consumer reporting agencies from providing consumer reports that contain medical information for employment purposes, or in connection with credit or insurance transactions, without the specific prior consent of the consumer who is the subject of the report.
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.
15 U.S. Code 1681a - Definitions ; rules of construction It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy...
15 U.S. Code 1681s2 - 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
U.S.C. 1681 ] ( 1 ) The ba15nking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
15 U.S.C. 16 [ 81 ] Section 604 ( g ) of the FCRA prohibits consumer reporting agencies from providing consumer reports that contain medical information for employment purposes, or in connection with credit or insurance transactions, without the specific prior consent of the consumer who is the subject of the report.
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.
15 U.S. Code 1681a - Definitions ; rules of construction It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy...
15 U.S. Code 1681s2 - 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
U.S.C. 1681 ] ( 1 ) The ba15nking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
15 U.S.C. 16 [ 81 ] Section 604 ( g ) of the FCRA prohibits consumer reporting agencies from providing consumer reports that contain medical information for employment purposes, or in connection with credit or insurance transactions, without the specific prior consent of the consumer who is the subject of the report.
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.
15 U.S. Code 1681a - Definitions ; rules of construction It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy...
15 U.S. Code 1681s2 - 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inac
curate.
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06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Be advised that your debt claim is DISPUTED and VALIDATION, I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to debt! This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ XXXX XXXX XXXX 745 N.E.2d 862 ( Ind.App. XXXX ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you. VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the XXXX XXXX XXXX, see XXXX XXXX XXXX, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. XXXX FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : XXXX : XXXX # XXXX ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor. 2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS. 3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150. 4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150. 5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court. 6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt. 7. Discovery of Evidence Discovery of name and address of original alleged creditor. 8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account. 9. Discovery of Evidence Discovery of name on file of alleged debtor. 10. Discovery of Evidence Discovery of address on file for alleged debtor. 11. Discovery of Evidence Discovery of alleged account number. 12. Discovery of Evidence Discovery of amount of alleged debt. 13. Discovery of Evidence Discovery of date this alleged debt became payable. 14. Discovery of Evidence Discovery of date of original charge off or delinquency. 15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account. 16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector. 17. Discovery of Evidence Discovery of complete accounting of alleged debt. 18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt. 19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2. 20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions. 21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by you or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated. Best Regards, XXXX XXXX cc Federal Trade Commission
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01/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XXXX When i became aware of an account being reported from my bank credit card department that it is reporting i retain 2 accounts with Equifax.
Equifax is a Credit reporting facility to which has retrieved Dispute dealing communications with a bank credit card department in removing the inaccurate reporting. Those months it took was XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX proceeding XX/XX/XXXX and then it was removed equifax reported the account accurate 1 time in their correction, process.
. Again XX/XX/XXXX, Equifax reports inaccurate information. Equifax has already been advised i do not have 2 accounts with XXXX XXXX credit card i retain " ONLY '' 1.
in that complaint submitted to Equifax.
Well i do not see how or what i would have to go thru all the issues again in XX/XX/XXXX .hereon after in it equifax reporting 1 retain 2 accounts.
I think Equifax may have public opinion in any manner would be its reporting is a positive on my account. Unless you are applicant you need to listen and correct from being my dependent. I hope you understand these rights.
the account holder for it to be reported as 2 independent accounts i hold only 1 account with XXXX XXXX and use it independelty why do i have a dependent on my account titled XXXX XXXX $ XXXX/XXXX XX/XX/XXXX i am accounting independelty for the dependency to remove.
XXXX XXXX XXXX XXXX XXXX / XXXX and XXXX XXXX XXXX XXXX it is equifax or company reporting it our claiming to be dependents. These are the facts. \. In XXXX on XX/XX/XXXX Equifax received a Letter in Notice from the investigation of a IRS and input of keys internally conducted and letter was mailed to Equifax from I. I am the prepared of the facts of law. The truth is if you really look at it Equifax has misused my identity and do not appear as if they can comprehend.
. Equifax appears after i mailed to them the contents my credit file report is missing reporting to customer no accounts, no credit score etc.
how is it i am to rebuild a credit history for my self.
Do you believe i am XXXX years of age and create a credit file for me on bases of publication prepared by the IRS.
I am not a identifiable person at the age of XXXX. My credit File created in XXXX I was first reported and a today 's everyday life things.
I do understand equifax does not have to process information if they do not want to. Wherefore the internal documents have been processed and i would not had been told directly by the IRS to process service to Equifax unless service was denied process by Equifax XXXX XX/XX/XXXX : I am oblige to the IRS So i hope you understand my direction at this time are : Real Estate in a Deceased Estate. Equifax use it as a identification theory. The Deceased Estate is my business Real Estate income? " What am i deprived. '' Do you seek special Attention? 2. department of Treasury IRS identity theft mark accounts, and placing id theft indicator on account. Equifax deleted all accounts, and all history in XXXX after receipt of the IRS letter dated XXXX My independent rights 1 on 1 with Equifax was revoked I do believe the Department of Treasury. IRS in properly identifying I, and my resources hold a lot more authority over Equifax. Do you have rights to not process my tax reporting. How come i do not see relevancy of Equifax processing 2 Identity theft indicators 1 Employment 2 Credit Cards , Financial & Tax. Why have Equifax limited my resources. to credit of XXXX or so i am told i do not need a credit score to get credit. Are you I?
If we evaluate its not a matter of breach its a matter of civil opinion in what equifax will process and what it wont process and is statistical law is unbalanced of adjudications we all hold but only to 1 equality of acts of a personal profile is identity by naturalization laws.
Why do you prevail my rights as that you only really reply when a demand is ordered. If i were to demand i would seek relief from the IRS in that i have tried repeatedly for Equifax to return my identity of resources going back to XXXX to properly report my credit useage on hand that my indemnification is some other act of Equifax and refuse to correct, I therefore seek relief so i can pay accounts and rebuild a credit file as Equifax seeks i retain it to pay its right the right i do not retain but to some order am mandadted by equifax if i want credit for ability of economic flow Article i can add if i must add to its rights. In addition i s right to have value in life and will seek to eact according to Equifax with prima facie evidence to the IRS to sent the 1099 C to equifax will all publications and declare it my tax break of my identity upheld or demurred by equifax deduction for life. I will explain to the IRS. Even thou i have already earned it they have eliminated my credit ability.from date of income first job tier reported to the Department of Treasury The internal revenue services.
By background Equifax has a clear view of A. XXXX Chapter XXXX B. XXXX thru XXXX IRS Investigation letter of internal rule processor of letter to Equifax C. XXXX a new credit file created new accounts - XXXX XXXX activated in XX/XX/XXXX or XX/XX/XXXX D. Equifax made consumer agree with XXXX credit score and 0 credit accounts after serviced letter from IRS. No correction has been given as to the financial, tax and credit cards preference XXXX US Title XXXX Tile XXXX US Bankruptcy. a new credit file is XX/XX/XXXX and inaccurate in eviormental fule factors at one time rpeorted by equifax but no longer sustainable by processors of equifax rceipt o f letter form the IRS XX/XX/XXXX are mandating i create a new credit life. I am not party to this action of Equifacx We have a disagreement. I am not party to your acts. I seek resolution. Therefore if resolution is not given in the identity and credit factors of XXXX XXXX XXXX XXXX reporting twice in proper to report accurate while im on hold while Equifax completes the information in task of credit identity file Real Estate and all accounts i have had with Equifax in blind of its secure holdings and information not to my accountability or access.
i will seek resolution with the Department of Treasury Internal revenue servile against Equifax for the rebuttal of 1. Real Estate. 2 Employment and pay roll, 4. Length of credit History and all information incomplete in the enclosures i have provided. The estimation is as follows credit score at XXXX age XXXX at age to use what was reported as employment, income, address i was given a credit line from a XXXX XXXX in XXXX.
Since then no matter what i buy or what line of credit is producted to XXXX or XXXX, XXXX i get a low scale rate on the idnex of inaccuarte reprting pof infrmation processed Equifax should not touch the data entry of data imput and have some point and block my internal roll call from stimulaions and points of income, tax that build the loan i am entitled to by simple input of application of more than a credit score. I am not your independent to choose credit laws that fit me because your descreation or data input says you can do so. Do you have a independent court order over the rights i retain. I have asked Equifax before, but still no reply.
What is credit law in California.? Whats is a credit Score used for What Purpose?
. I was unaware a lid of the United States bankruptcy XXXX to report my credit history to-date is 1 year and 8 month My Credit History would be years in file as a independent in name given and credit activity would be 1 year 8 months is incorrect.
I will seek a internal audit of Equifax as a dependent of all populations in balances of score of i reported as XXXX by equifax to XXXX. Or remove what profile does not belong to i.
In all accounts Equifax was given a opportunity to comply with the XXXX XXXX Data Breach XX/XX/XXXX for all accounts i have reported inaccurate with detail, or product not received, and other issues that do not meet the Fair credit reporting to date.
Equifax still reporting these accounts.
I understand a new party task each complaint and equifax tried real hard to comply with the information in any case provided by customer.
If my credit file did not first report XX/XX/XXXX then why would you indicate on a credit file XX/XX/XXXX for resolutions of key information to complaints of information.reply. is obvious in the prior dispute re-reporting XX/XX/XXXX The customs of this complaint but not the exact principle. I bet your best friends credit file is 100 percent accurate?
.. Now i could act to make equifax beneficial in retaining a XXXX dollar credit certificate advocate for a lawyers certificate of credit laws and request it mail letters to equifax to access and create task month to month to up an better my credit. Well for a new outlook on my credit profile sounds good. Yet once i was unable to continue to pay those month to month fees i would loose all credit restoration equifax input for I under the credit law firm to do so, i would have a defaulted credit file ... .. How do i know. I submitted the same dispute in complaint with the credit bureaus XXXX. In XXXX thru XXXX i have a law firm credit repair handle the issues. the issues then went under abstract condition the case for judgement filed with the Department of Treasury Internal revenue service XXXX XX/XX/XXXX * XX/XX/XXXX to date. We cant get much higher than this..
. Why am i having issues with Equifax. The way it appears from XXXX Equifax suggest i rebuild a credit file, history. The IRS information is not to any decision of Equifax holdings of prior process. Equifax in part have told me to redo my credit file to have a credit file from XX/XX/XXXX to date yet use my real estate as a identity factor suppressing my data from credit stimulation enacting that if i get a loan for {$250000.00} parcel XXXX XXXX XXXX XXXX., XXXX, ca XXXX real estate ownership on XXXX mailing date of process to Equifax XXXX Equifax has yet to input the data as it is my credit and state it as a identity verification in that to verify i have withheld my credit file from stimulation of a credit score to earn a XXXX loan for a credit score to stimulate equifax process of data of, The Department of Treasury Internal Revenue Service, XXXX XXXX Data Breach XX/XX/XXXX XXXX Reported by the General Attorney for the State of California. XX/XX/XXXX. & Banks credit card departments Complaints of inaccurate, Credit file created, History, age of credit first reported etc.. Please get the principle of the complaint while i am still awaiting for proper comply from equifax in all internal manners of notice of i, XXXX XXXX XXXX.
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03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX DOB : XX/XX/XXXX SS # XXXX-XXXX-XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : I am writing to dispute incorrect information in my credit file, which you furnished to credit reporting agencies. On XX/XX/XXXX, I received a copy of my credit report from 3 credit reporting agency. That report included the following information, furnished by you : XXXX/XXXX XXXX Closed : XX/XX/XXXX Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureau 's Notice to Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies.
This negative mark is damaging my credit. Please promptly contact XXXX, XXXX, and Equifax ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.
Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX DOB : XX/XX/XXXX SS # XXXX-XXXX-XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Sections 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. section 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute From Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute From Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
The CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for businesses and the full text of the FCRA.
Citations for FCRA sections in the U.S. Code, 15 U.S.C. section 1681 et seq. : Section 602 15 U.S.C. 1681 Section 603 15 U.S.C. 1681a Section 604 15 U.S.C. 1681b Section 605 15 U.S.C. 1681c Section 605A 15 U.S.C. 1681c-A Section 605B 15 U.S.C. 1681c-B Section 606 15 U.S.C. 1681d Section 607 15 U.S.C. 1681e Section 608 15 U.S.C. 1681f Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Section 626 15 U.S.C. 1681v Section 627 15 U.S.C. 1681w Section 628 15 U.S.C. 1681x Section 629 15 U.S.C. 1681y
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08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute and request enforcement of my legal rights regarding several violations that have significantly impacted my financial well-being. I urge the Consumer Financial Protection Bureau ( CFPB ) to consider the gravity of these violations and take appropriate action to rectify the situation.
In recent times, I have become acutely aware of multiple infractions committed by various creditors that have adversely affected my credit report and, subsequently, my life. The violations I've identified, along with their respective account numbers and corresponding legal violations, are as follows XXXX XXXX XXXX XXXXXX/XX/XXXX : Unauthorized Credit Pull Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXXXXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 605B CCR | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX AZ XXXX : Incorrect Address The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX XXXX Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) XXXX XXXXXXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) XXXX XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 605B XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 605B XXXX XXXXXXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX AZ XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report. Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) The consequences of these violations extend far beyond mere financial inconvenience. They have taken an emotional toll on me and my family, causing XXXX sleepless nights, and an overwhelming sense of helplessness. The stress of battling these inaccuracies has affected my physical and mental well-being, straining my relationships and disrupting my daily life.
I implore the CFPB to enforce the legal protections that exist to shield consumers from such unjust practices. I believe in the importance of a fair and transparent credit reporting system that accurately reflects my financial history. I humbly request that the CFPB take the necessary measures to hold these creditors accountable for their violations and ensure that my rights are upheld.
Furthermore, in light of these discrepancies and violations, I respectfully request that the relevant creditors promptly remove the unverified accounts from my credit report. This action is essential to restoring my financial security and mental well-being.
Thank you for your attention to this matter. I trust that the CFPB will take the appropriate steps to address my concerns and uphold the rights of consumers like myself. I look forward to your response and resolution of these issues.
Sincerely, XXXX XXXX XXXX
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10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOUWRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, bank statement, and driver 's license. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!
15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Inquiry from XXXX XXXX Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : XXXX - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : XXXX - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXXXXXX XXXX XXXXXXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX, Note : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : XXXX - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX - XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX IN, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXXXXXX XXXX XXXX Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX, Note : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : XXXX - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry.
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX
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08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear Sir or Madam : On XX/XX/XXXX, the Complainant had received an email alert message from Equifax XXXXormation Services LLC., ( Equifax ) which had stated : Your credit score changed on XX/XX/XXXX and is now within a new score band.
New Credit Score Band : FAIR Previous Credit Score Band : VERY_GOOD. See Exhibit A.
In which, the Complainants Equifax credit file XXXX Score had decreased by ways of XXXX ( XXXX ) points from XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, to XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, in less than twenty-one ( 21 ) days without Equifax adding any new revolving, mortgage, or installment debts accounts, as a legitimate reason for the Complainants Equifax credit file XXXX Score to had decreased by way of seventy-eight ( 78 ) points. See Exhibit B. And, on XX/XX/XXXX, the Complainant had made an online purchase, in the amount of XXXX dollars and fifty-four cents ( {$19.00} ) using her second ( 2nd ) XXXX XXXX XXXX secure credit card ending in the account number, XXXX, as the payment instrument. See Exhibit C. Also, the Complainant had paid off her XXXX XXXX XXXX secure credit card ending in the account number, XXXX debt, in the amount of XXXX dollars and XXXX cents ( {$19.00} ) dated on XX/XX/XXXX, that was paid before the XXXX XXXX XXXX requested payment due date on XX/XX/XXXX which is stated onto the Complainant new XXXX XXXX XXXX statement cycle dated from XX/XX/XXXX to XX/XX/XXXX, before the XXXX XXXX XXXX could have determined the Complainant payment was a late payment ; in order to decreased her Equifax credit file XXXX Score from XXXX XXXX and XXXX ( XXXX ) points to XXXX XXXX and XXXX ( XXXX ) points should have not affected the Complainants Equifax credit file XXXX Score of XXXX XXXX and XXXX ( XXXX ) points. See Exhibit D. As a result, the second ( 2nd ) Complainants XXXX XXXX XXXX secure credit card ending in the account number, XXXX is the replacement card for which, an assailant who is unknown to the Complainant had made negligent, false and misrepresentation call statement to the Complainants XXXX XXXX XXXX, lost and stolen telephone automated prompt messages system or to the Fifth Third Banks Disputes Resolution Department, telephone representative for which the assailant had unlawfully cancelled the Complainant first ( 1st ) XXXX XXXX XXXX secured credit card ending in the account number, XXXX dated on XX/XX/XXXX without the Complainant lawful authority. See Exhibit E. Therefore, the Complainant is very concern about her Equifax credit file XXXX Score of XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, which had greatly and considerably decreased by ways of XXXX ( XXXX ) points : 1. without any new revolving, mortgage, or installment debts accounts being added to her Equifax credit file account with a legitimate explanation ; and 2. after, the Complainant had paid off her XXXX XXXX XXXX secure credit card ending in the account number, XXXX debt dated on XX/XX/XXXX, from her new XXXX XXXX XXXX statement cycle dated from XX/XX/XXXX, to XX/XX/XXXX, and, the payment due date is on or before XX/XX/XXXX, should have not affected the Complainants Equifax credit file XXXX XXXX and XXXX ( XXXX ) points XXXX Score.
Furthermore, Equifax should have not economically disadvantaged and disproportionately affected or effected the Complainants Equifax credit file XXXX Score, and the Complainant is questioning now, her Equifax credit file XXXX XXXX determination threshold calculation rate procedures which is inconspicuously decreased the Complainants Equifax XXXX XXXX by ways of XXXX ( XXXX ) points in a reduction credit without any legitimate explanations. And, Equifax should have programmatically coded and mathematically calculated the Complainants Equifax credit file XXXX Score without any human manually adjusted interferences towards correctly calculating the Complainants Equifax credit file XXXX Score. In conjunction with the Complainant is also questioning the Equifaxs Information Technology ( IT ) noncompliance application for calculating the Complainants Equifax credit file XXXX score calculations instead of the manual human input XXXX score calculations practices in accordance to the Fair Credit Reporting Act ( FCRA ) contained in the Consumer Credit Protection Act of 1968 ( CCPA ) such as, the Truth in Lending Act ( TILA ) and, the Fair Debt Collection Practices Act ( FDCPA ) are as follows : Title 15 U.S.C. 1681c ( relating to the Requirements Relating to Information Contained in Consumer Report, Title 15 U.S.C. 1681g ( c ) ( relating to the Summary of Rights to Obtain and Dispute Information in the Consumer Reports and to Obtain Credit Scores ), Title 15 U.S.C. 1681g ( f ) ( relating to the Disclosure of Credit Scores ), Title 15 U.S.C. 1681g ( g ) ( relating to the Disclosure of Credit Scores by Certain Mortgage Lenders ), Title 15 U.S.C. 1981 ( i ) ( relating to the Procedure in the Case of Disputed Accuracy ) and Title 12 C.F.R. 1022.72 ( relating to the General Requirements for Risk-Based Pricing Notices ).
The Complainant had analyzed, her Equifax credit file XXXX Score points and she had determined, learned and experienced from this second ( 2nd ) written complaint either Equifax or XXXX XXXX Bank has/had incorrectly calculated and reported the Complainant High Credit ( H/C ) limit purchased amount of the XXXX dollars and XXXX cents ( {$19.00} ) divided by the Credit Limit ( C/L ) which is incorrectly calculated and reported by either Equifax or Fifth Third Bank, as the C/L amount of the XXXX dollars and XXXX cents ( {$19.00} ). And, the H/C amount divided by the C/L amount is equal to XXXX XXXX percent XXXX 100 % ) of the Complainants Equifax credit file XXXX Score that has maximized her threshold credit utilizations ; in order to become greatly and considerably decreased by ways of seventy-eight ( XXXX XXXX points. Instead of the correct C/L amount of the XXXX XXXX dollars ( {$300.00} ) which should have been calculated and posted, as the Complainants Equifax credit file XXXX Score mathematical denominator due from either Equifax or XXXX XXXX XXXX who [ m ] had knowingly and willfully participated and acted into a said negligent, false, or misrepresentation statements for incorrectly calculating and reporting the Complainants Equifax credit file XXXX Score miscalculations. And, the Complainant C/L amount has/had been incorrectly calculated and reported into her Equifax credit file XXXX Score account that seems to be unlawfully well-masked into the Equifax database system which is inconspicuously appeared or shown, as the correct XXXX Score calculation into the Complainants Equifax credit file account when it is not the correct XXXX Score calculations ( See Exhibit B and F ) ; in violations of the Summary of Rights to Obtain and Dispute Information in the Consumer Reports and to Obtain Credit Scores, Title 15 U.S.C. 1681g ( c ) and, the Disclosure of Credit Scores, Title 15 U.S.C. 1681g ( f ), and, the Procedure in the Case of Disputed Accuracy, Title 15 U.S.C. 1981 ( i ), and the General Requirements for Risk-Based Pricing Notices, Title 12 C.F.R. 1022.72. And, as a result of either Equifax or XXXX XXXX XXXX inconspicuously miscalculated of the Complainants Equifax credit file Vantage score C/L in the amount of nineteen dollars and XXXX XXXX ( {$19.00} ) are as follows : Equifaxs XXXX Score Incorrect Mathematical Calculation High Credit ( H/C ) {$19.00} divided by Credit Limit ( C/L ) {$19.00} Equifaxs XXXX Score Percentage 1.00 % If either Equifax or XXXX XXXX Bank had calculated and reported the Complainants Equifax credit file XXXX Score correctly than the Complainants Equifax XXXX limit purchased in the amount of XXXX dollars and XXXX cents ( {$19.00} ) divided by the C/L which is the Complainants XXXX XXXX XXXX secure credit card ending in the account number, XXXX, credit limit in the amount of XXXX XXXX dollars ( {$300.00} ) should have been calculated and posted, as her Equifax credit file XXXX Score equal to XXXX percent ( 7 % ) which is below the XXXX percent ( 30 % ) threshold required by XXXX XXXX XXXX, XXXX in accordance to the General Requirements for Risk-Based Pricing Notices, Title 12 C.F.R. 1022.72 that should have increased the Complainants Equifax credit file XXXX Score are as follows : Equifaxs XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( H/C ) {$19.00} divided by Credit Limit ( C/L ) {$300.00} Equifaxs XXXX XXXX XXXX 0.07 % Now, the question remains unclear is, what happen to the Complainants Equifax credit file XXXX Score, if the Complainant paid off her Fifth Third bank secure credit card ending in the account number, XXXX to a XXXX balance? And, does that means, the XXXX XXXX XXXX, XXXX or Fifth Third Bank has the lawful authorities or rights to decrease the Complainants Equifax credit file XXXX Score by way of XXXX ( XXXX ) points by reason of the Complainant paying off her Fifth Third bank secure credit card ending in the account number, XXXX account? Even though, the Complainants Fifth Third bank secure credit card ending in the account number, XXXX remains open or, either Equifax or XXXX XXXX Bank has/had made negligent, false and misrepresentation statements for reporting the Complainant Equifax credit file revolving account, as close when her Fifth Third bank secure credit card ending in the account number, XXXX account is not close. And, this is another reason why, the XXXX Equifax XXXX file XXXX Score is intentionally miscalculated and decreased by ways of XXXX ( XXXX ) points without proof or evidence from either Equifax or XXXXXXXX XXXX XXXX Disputes Resolution Department who [ m ] should have provided a legitimate explanation.
In addition, the Complainant can not retrieve her Equifax free weekly annual credit report online from the website annualcreditreport.com. After, the Complainant had entered of all her correct Personal Identifiable Information ( PII ) onto the XXXX website than she will receive an error message. And, on XX/XX/XXXX, the Complainant had uploaded into her Equifax account within her online dispute, copies of the Complainant actual identification documents such as, her North Dakota Real ID driver license and XXXX XXXX XXXX, as proof or evidence of her identity. Therefore, the Complainant should not have to provide, any copies of her actual identification documents, again. After, the Complainant had ready submitted those actual identification copies within her Equifax credit file account dispute online dated on XX/XX/XXXX. See Exhibit G.
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08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) and other relevant laws, as indicated by the numerous inaccuracies and unauthorized credit inquiries found on my credit report. These violations have had a profound impact on my life, prompting me to seek the assistance of the Consumer Financial Protection Bureau to ensure the enforcement of the legal safeguards designed to protect consumers ' financial rights.
The violations that require your attention pertain to the following legal provisions : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA, encompassing Sections 609, 611, and 623, serves to regulate the procedures involved in challenging inaccuracies present on credit reports. These sections demand thorough investigation, correction, and timely resolution of disputes. Furthermore, Section 604 mandates the accurate and responsible reporting of information by creditors.
2. Unauthorized Credit Inquiries : Unauthorized credit inquiries conducted without obtaining my explicit consent contravene federal and state laws established to safeguard consumer rights and maintain personal privacy.
3. Fair Debt Collection Practices Act ( FDCPA ) : Should the creditors engage in debt collection activities, adherence to the FDCPA becomes vital to ensure ethical behavior and prevent any form of harassment or unfair practices.
4. Truth in Lending Act ( TILA ) : Inaccuracies related to credit terms, interest rates, or payment details can invoke the Truth in Lending Act, which emphasizes transparency and honesty in lending practices.
5. Identity Theft Laws : Instances of identity theft or the propagation of incorrect personal information could invoke laws enacted to protect individuals from identity theft and guarantee the accurate representation of personal data.
6. Consumer Protection Laws ( State-Specific ) : Specific consumer protection laws established at the state level may complement federal statutes, addressing concerns such as unauthorized access to credit reports and deceptive business practices.
In light of the violations and their repercussions, I hereby implore the Consumer Financial Protection Bureau to intervene on my behalf. It is my earnest request that you compel the involved creditors to diligently investigate and authenticate the accuracy of the reported accounts. Furthermore, I ardently advocate for the removal of unverified accounts from my credit report to mitigate the ongoing financial hardship caused by these discrepancies.
I understand the intricacies associated with the laws and the potential variations based on jurisdiction. I am committed to seeking legal guidance from an attorney who specializes in consumer law to navigate this complex situation. However, the seriousness of my case underscores the broader implications for the integrity of the credit reporting process, potentially affecting numerous other consumers as well.
In the spirit of transparent communication and accountability, I humbly request your attention to this matter. I look forward to your response, guidance, and assistance in taking the appropriate steps to rectify these violations and alleviate the adverse impact they have had on my financial well-being.
List of Accounts and Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late.
Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late.
Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late.
Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late.
Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
I appreciate your attention to this pressing issue and your commitment to safeguarding consumers ' rights and the integrity of the credit reporting system.
Sincerely, XXXX XXXX
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04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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My name is : XXXX XXXX XXXX I have had multiple conversations with the fraud departments of all three major ( XXXX ) XXXX EQUIFAX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/EQUIFAX then , you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXXEquifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED Equifax, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint TEXAS state Attorney Generals complaint and TEXAS OFFICE OF CONSUMER CREDIT COMMISSIONERS complaint with a sworn affidavit of truth, I asked the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX which has an amount of $ {$30000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XXXX XXXX XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.
My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers.
1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Delete all information in the employer section. XXXX card which has an amount of $ {$30000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XXXX XXXX XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
I DEMAND THAT THE FOLLOWING ACCOUNT MUST BE UPDATED AND CORRECTED FROM " LATE '' TO " CURRENT '' :
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07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Payments were not more than 30 days late XX/XX/XXXX Payment was made on XX/XX/XXXX extension was given on account on XX/XX/XXXX payment was 15 days late not XXXX XX/XX/XXXX Payment was made on XX/XX/XXXX extension was also given on XX/XX/XXXX payment was 13 days late not XXXX XX/XX/XXXX Payment was made on XX/XX/XXXX and also XX/XX/XXXX payment was 18 days late not 30 and 1 day late in XXXX None of these payments were more than 30 days past due Arbitration was not granted after requested Page 4 of the purchase contract allows for Arbitration and that request was ignored by XXXX XXXX on XX/XX/XXXX and ignored by XXXX XXXX repeatedly from XXXX to XX/XX/XXXX Pay for delete letter was accepted by XXXX XXXX XXXX accepted my offer on XX/XX/XXXX when they cashed check # XXXX and they were to remove the late payments that werent even accurate as reported. The offer was made by me with the check and the letter laid out the offer and was clear with a provision that if this offer was refused, to send the check back and we could also take this to Arbitration, which was ignored. The consideration was not given to me, as XXXX kept the check, cashed it and this would be failure of consideration, as XXXX violated the contract that was presented here.
Dealership deceptive practices ignored XXXX endorsed the actions by XXXX XXXX XXXX, when they made me pay for the sales tax out of pocket and was not included in the finance agreement. XXXX XXXX XXXX also changed the down payment on me right as we were doing the deal and strong-armed me into the deal. Saying my down payment wouldnt be refunded. I mentioned this numerous times and XXXX showed no interest in making this matter correct.
XXXX engaged in several actions that would violate the agreements we had and I just want these late payments removed to make this correct and we can all move on.
here is the letter I sent the letter sent before along w the check XX/XX/XXXX Re : Account Number XXXX Dear Credit Report Dispute Dept, Recently i sent a letter with my side of this dispute that has been ongoing and a resolution offer to this account and it was based on conversations we previously had. I sent a check for {$100.00} and in the letter, it stated that if the check is cashed, that the agreement is being accepted, as it also indicated that on the check. I have not seen any change in my credit report and this is in violation of our agreement. You entered into a contract with me when you accepted the agreement with the check being the key instrument in this agreement. If you are unwilling to live up to your end of the agreement, please send the check back and/or the {$100.00} in question, as it was mentioned in the letter. I have attached a copy of the cancelled check and the letter i sent. Im asking either you refund my money that I sent to you due to failed performance of the agreement or to change my credit report to paid off/closed, along with removing ALL late payment and negative information, as you agreed to do when you accepted my letter and check or else just delete this account from my credit reports all together.
As you know, the three basic elements to a contract are : ( 1 ) an offer ; ( 2 ) an acceptance of the offer ; and ( 3 ) sufficient consideration to support the offer and acceptance. In addition, there must be a reasonable certainty as to what the parties are to do, or not to do, when they are to do it, and what the consideration is. Finally, the parties must be competent to contract, that is, they must be of sufficient age, in reasonable possession of their wits, and not under legal XXXX. In Pennsylvania, a breach of contract action involves ( 1 ) the existence of a contract, ( 2 ) a breach of a duty imposed by the contract, and ( 3 ) damages. Like an offer, an acceptance can be express or implied, written or oral and when you cashed the check, it was implied that you accepted my offer due to the fact it was specifically expressed in this agreement. There was a chance for you to reject this offer, as by law, the person to whom an offer is directed may reject the offer. You could have sent the check back and declined my offer, but the check was cashed with everything made out clear in both the letter and on the check itself. The person may also make a proposal of her own, that is, make a counteroffer, but no counteroffer was made to me, but rather an acceptance of my offer, which was reasonable, not complicated and clearly expressed. If you couldnt honor the agreement/contract, the check should have been sent back explaining that it cant be accepted under these circumstances, but it wasnt.
I didnt ask for this account to be deleted, but I wanted the negative information changed due to the fact that it was reported inaccurate with misinformation given by your company, when I have repeatedly submitted evidence to the contrary. All i wanted here was a fair resolution and i have attempted to send several letters and offers to resolve this matter. Your company accepted my last offer and Im asking that you honor it and if you tell me that you can't honor it, than i need to know why and what you plan on doing to make this situation right. Why would you accept an agreement that you know that you can't honor? I never ran away from this matter, as i have sent letter after letter, made several calls and i have been ignored. The bottom line here is that I made an offer, laid out the terms clearly and you accepted by cashing the check. I do want to resolve this matter and i look forward to your reply.
XXXX XXXX Here is the letter I sent in full with a copy of the cashed check by your company XX/XX/XXXX Re : Account Number XXXX Dear XXXX XXXX, This letter is in response to our conversations from a few weeks ago and this is related to the account referenced above. I wish to save us both some time and effort by paying off this loan with some of the late fees that were not fairly posed onto me. This is an attempt to resolve this matter peacefully and I have enclosed payment to resolve this account without either side admitting any wrongdoing or any dispute over the reporting of this debt and this account will be shown as paid off/closed and any subsequent negative information referring to this account will be removed from my three credit reports ( XXXX, Equifax and XXXX ).
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. This debt has not been reported accurately and I want to finally put this matter to rest with this offer.
I have enclosed a check ( # XXXX XXXX from XXXX XXXX XXXX in the amount of {$100.00}, which will serve as the final payment to this account, as the other payments was made on your website. This check for your agreement to mark this account on my credit reports ( XXXX, Equifax, XXXX XXXX ) as paid off/closed and remove any negative information ( collection, late payments, charge-off ) on all of my credit reports within three calendar days of payment. If you agree to the terms in this letter, which would be cashing this check ( # XXXX XXXX that I have sent for {$100.00}, which is payable to XXXX XXXX is an binding agreement to have all information related to this account on my credit reports ( XXXX, Equifax, XXXX XXXX ) adjusted accordingly, which would be to remove all negative information ( charge off, collection, late payments ) and show the account as paid off/closed.
This account was not reported accurately and I want to resolve this as my payments were made with the agreement over the phone of no late fees for payment, but I was charged those anyway and late payment reporting on my credit report, even though I have shown evidence that the payments were not 30,60 or 90 days past due. From the very start of this loan, there have been deceptive practices done by the dealership involved, such as me having to pay all of the taxes owed in full without being included on the loan. The dealership made me not tell you about this after they took my {$2000.00} down payment. They also lied to me about the down payment amount due and the amount of the monthly payment.
If the check ( # XXXX ) for {$100.00} is cashed that means you are accepting my offer to remove all negative information from all three credit reports and mark the account on my credit reports as paid off/closed and this letter will be treated as a contract and subject to the laws of my state.
If I do not receive your postmarked or email response within 3 days of cashing the check, stating that letters will be sent to the three credit bureaus ( XXXX, Equifax, XXXX XXXX ) that the reporting of this account will be changed to paid off/closed and any subsequent negative information will be removed ( late payments, charge off, collection ), I will withdraw the offer, request the check to be sent back and request further relief, including arbitration, as afforded to me in the purchase agreement. Im asking for you to send by postal mail a letter to show that you have requested that the three credit bureaus ( XXXXXXXX, Equifax, XXXX XXXX ) change this account on my report to paid off/closed and to remove any information related to late payments, collection and charge off. I hope we can work together and get this matter resolved and again Im not being difficult, but this matter has caused me serious problems and the lack of response I have gotten from XXXX XXXX and XXXX XXXX XXXX over this in the last four years has been very frustrating and this agreement allows us both to walk away clean and peacefully.
Please forward your agreement to the address listed above.
Sincerely, XXXX XXXX XXXX quoted text I'm really disappointed that you are showing a total disregard for my concerns and the evidence in this case and not addressing my concerns you said the agremeent was null and void but yet you ACCEPTED the terms of the offer you're not allowed to accept terms of an offer unless your going to honor the offer there was a provision to return the check but you refused to do that cashed the check with the terms clearly laid out I made repeated requests for arbitration and I was ignored in our contract im allowed to request arbitration if there are issues we can't resolve you have also ignored the issues with XXXX XXXX XXXX and the deceptive practices its almost like your endorse how they do business and obtain loans for you Show quoted text
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08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX XXXX, I am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a cr
editor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take XXXX for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
I DEMAND THAT THE FOLLOWING ACCOUNT MUST BE UPDATED AND CORRECTED FROM " LATE '' TO " CURRENT '' :
|
08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
I DEMAND THAT THE FOLLOWING ACCOUNT BE VERIFIED OR REMOVED IMMEDIATELY :
|
08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
I DEMAND THAT THE FOLLOWING ACCOUNT BE VERIFIED OR REMOVED IMMEDIATELY :
|
12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( XXXX ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. XXXX said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( XXXX ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( XXXX ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( XXXX ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( XXXX ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( XXXX ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( XXXX ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692hXXXX Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts XXXX am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within XXXX days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
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03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
Equifax refuses remove incorrect information on my Equifax credit report and/or update my credit report as follows ; 1. BANKRUPCY REAFFIRMATION ACCOUNT listed as discharged, 2. FRAUDULENT ACCOUNT is still on my credit report, 3. BANKRUPTCY DISCHARGE not listed correctly, 4. Refusal to remove INQUIRIES that were NOT approved, 5. Refusal to update personal information and, 6. Refusal to update 100 word personal statement.
I have contacted the creditors and Equifax several times by phone, mail, fax, electronic updates and emails since XX/XX/XXXX, further, the U.S. Bankruptcy court has sent numerous notices as well and still the same errors persist on my credit report. I have attached the most recent letter to Equifax with attachments mentioned below. Please help. A XXXX XXXX Bankruptcy is known as a fresh start bankruptcy because individuals are liquidating their assets and discharging all of their debts in a relatively short period of time and there is no repayment plan. I filed XXXX XXXX Bankruptcy, on XX/XX/XXXX, the Court ordered an injunction ( an automatic stay ) that prevents creditors from taking certain actions to collect debts. The automatic stay more broadly stops : any act to collect, assess, or recover a claim against the debtor that arose before the case filing, XX/XX/XXXX. See U.S. Bankruptcy Code 362 ( a ) ( 6 ). The automatic stay stops : the filing or continuation of a lawsuit or other legal proceeding against you to collect a debt, the enforcement of a prior judgment against your property, taking possession of or control over your property, the creation or enforcement of a lien against your property. See U.S. Bankruptcy Code 362 ( a ) ( 1-4 ). On XX/XX/XXXX, the Bankruptcy was discharged, please see attached for a copy of the Court Ordered Discharge. From XX/XX/XXXX and after XX/XX/XXXX, the Bankruptcy filing should have been reflected on my credit reports, but it was NOT and there were a number of errors associated with the Bankruptcy filing. Some of these errors are listed below : 1. BANKRUPCY REAFFIRMATION ACCOUNT The reporting of XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, account number XXXX, 4.1 XXXX XXXX XXXX XXXX ( CLOSED ) xxxxxx XXXX on Equifax reports XXXX and XXXX is incorrect. Please see attached for the XXXX XXXX XXXX XXXX auto loan for XXXX XXXX XXXX payment history and relevant corresponding pages from Equifax reports XXXX and XXXX. XXXX XXXX XXXX XXXX auto loan, 4.1 XXXX XXXX XXXX XXXX ( CLOSED ) xxxxxx XXXX on Equifax reports XXXX and XXXX, should read reaffirmed, open, never been late and paid as agreed, or similar language. Because this XXXX XXXX bankruptcy debt is covered by a valid reaffirmation agreement and was NOT discharged.
2. FRAUDULENT ACCOUNT MUST BE REMOVED The 2.5 XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX debt listed on Equifax reports XXXX and XXXX, is now a XXXX account XXXX and is NOT my account and was fraudulent. XXXX took over the XXXX credit card program. Please see attached for two XX/XX/XXXX letters from XXXX directing for the removal of the fraudulent account and relevant corresponding pages from Equifax reports XXXX and XXXX. Equifax refuses to follow directions from the creditor. The account number is the same for each account and XXXX XXXX simply has not provided accurate information and Equifax simply has not done an investigation.
3. BANKRUPTCY DISCHARGE Debts that are discharged in a XXXX XXXX Bankruptcy, should be reported with a {$0.00} balance after the discharge is entered. Furthermore, as the automatic stay of creditors prohibited the lawful collection of the debts as soon as the bankruptcy case was filed, a creditor or debt collector may not continue to report the account or trade-line as past due once the bankruptcy has been filed. However, I filed for XXXX XXXX Bankruptcy on XX/XX/XXXX, see attached and creditors or debt collectors were notified, continue to report the debt listed in my bankruptcy schedule as past due or with a balance due even AFTER XX/XX/XXXX, the date of bankruptcy discharge, see attached. Therefore, these creditors and credit reports are robbing me of my fresh start, and a a result I have been damaged : creditors or debt collectors and the credit report agency have robbed me of my fresh start. In fact, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and 1681a thru 1681x and other Federal law, 11 U.S. Code 524 Effect of discharge, and other guidance, creditors wont be able to report my discharged debt in a variety of ways that could cause my credit to suffer, such as allowing the obligation to show as : 1. currently owed or active, 2. late or delinquent or outstanding, 3. charged off, 4. having a balance due, or, 5. converted to a new type of debt ( re-aged or given new account numbers, for example ).
Such reporting labels are often the reason creditors deny applicants credit. In some cases, creditors and debt collectors use the credit report listing as a form of passive debt collection, and applicants must pay off such debt as a condition of loan approval. Instead, when I pull my report, each qualifying debt should be reported as : having a zero balance, and discharged, included in bankruptcy, or similar language.
The following accounts were discharged in bankruptcy BUT do not have a {$0.00} balance listed and the CRA shows them as currently owed or active, late or delinquent or outstanding, charged off, and/or having a balance due. Further each account must include the language such as discharged through Bankruptcy XXXX XXXX or similar language. This is a violation that must be remedied immediately. The errors specific to each debt account are listed under each account and attached is the relevant corresponding pages for that debt from Equifax reports XXXX and XXXX.
2.3 XXXX XXXX XXXX ( CLOSED ) xxxxxxxx XXXX, 1. no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
5.1 XXXX XXXX XXXX ( CLOSED ) xxxxxxxx XXXX, 1. no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
2.9 XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX 1. no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
2.10 XXXX ( CLOSED ) xxxxxxxxxxxx XXXX, 1. no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debts can not be listed as currently owed or active and this debt is, 3. debts can not be listed as late or delinquent or outstanding and this debt is and/or, 4. debts can not be listed as charged off as this debt is listed as charged off.
2.4 XXXX XXXX XXXX XXXX ( CLOSED ) xxxxxxxx XXXX, 1. no notice of discharged through Bankruptcy XXXX XXXX XXXXisted, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
XXXX XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX, 1. no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
2.1 XXXX XXXX XXXX CLOSED ) xxxxxxxxxxxx XXXX, 1. no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
2.2 XXXX ( CLOSED ) xxxxxxxxxxxx XXXX, 1. no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
A creditor who repeatedly refuses to report my discharged debt properly is in violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on discharged debts. U.S. Bankruptcy Code 362 ( k ) ( 1 ) states that an individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys fees, and, in appropriate circumstances, may recover punitive damages. See U.S. Bankruptcy Code 362 ( k ) ( 1 ).
4. INQUIRIES I did not give these companies listed below, authorization to access my credit report and thus these inquires should be deleted.
1. XXXX XXXX, 2. XXXX XXXX XXXX XXXX 3. XXXX.
Also there are more inquires listed on the attached pages of the reports, please remove them as well.
5. Updated personal information XXXX ( XXXX ) XXXX Residential ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX are not mine.
My spouse is XXXX XXXX, NOT XXXX XXXX.
6. UPDATED 100 WORD PERSONAL STATEMENT SERVICE CONNECTED, TOTALLY PERMANENTLY XXXX VETERAN, WITH FEDERAL MONTHLY XXXX BENEFITS ; VA ( PAID UNDER TITLE 38 ) AND SOCIAL SECURITY ( RECEIVED UNDER 42 USC 301 ET SEQ ) ; AS SOLE SOURCE OF INCOME DEPOSITED MONTHLY INTO HIS BANK ACCOUNT. SEE 31 CFR 212.3. THUS UNDER 11 USC 101 ( 10A ) ( B ) ( II ) ( I ) AND ( IV ) ; THESE BENEFITS ARE CONSIDERED EXEMPT OR EXCLUDED INCOME IN BANKRUPTCY. AS A RESULT OF THE EXCLUSION AND OTHER FEDERAL LAW, A CREDITOR CAN NOT SECURE A GARNISHMENT ORDER OR TAKE MONEY FROM HIS BANK ACCOUNT. FEDERAL LAW ESSENTIALLY MAKES HIS FUNDS IMMUNE FROM XXXX BY CREDITORS.
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08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( XXXX ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( XXXX ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( XXXX ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( XXXX ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
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08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX MA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of XXXX XXXX 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts XXXX am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to XXXX years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a XXXX on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, I am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, The natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts XXXX am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also XXXX USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validations.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. XXXX said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section XXXX581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
XXXX5 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX XXXX XXXX XXXX XXXX XXXX XXXX for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX verifying that this is XXXX XXXX and there XXXX XXXX need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX , the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have been trying to remove an Unauthorized Hard Credit Pull from my Equifax Credit report for nearly 6 months now.
History details below 1. XX/XX/XXXX Applied for HELOC with XXXX XXXX 2. XX/XX/XXXX Updated HELOC Documentation for XXXX XXXX submitted Approved for the HELCO 2.1. Was guaranteed by the bank that there would not be a 2nd Hard Credit Pull with the revised HELOC Application as this was not authorized by me and was verbally refused to proceed if there was going to be a 2nd pull 2.2. However, the automated system automatically tripped a 2nd Hard Pull for this same account 2.2.1. Been fighting to have this removed since Mid-XX/XX/XXXX when this was found 3. ~XX/XX/XXXX Learned about the 2nd Hard Credit Pull from online credit monitoring program 4. XX/XX/XXXX Downloaded 3 Free Credit Reports and confirmed that there were 4 Hard Credit pulls for XXXX 5. ~XX/XX/XXXX Contacted the bank to have this 2nd Unauthorized Hard Credit Pull removed 5.1. Branch Manager submitted the electronic request through her system 6. ~XX/XX/XXXX Also completed the dispute process with Equifax directly for this Hard Credit Pull to be removed 6.1. Intent to pull in the updated detail from the Branch Managers submission 7. XX/XX/XXXX Received XXXX Branch disagree with removing the pull letter 7.1. Due to the failure of the Branch Manager to properly update the system as requested/agreed 8. XX/XX/XXXX Equifax Dispute Results for XXXX Hard Pulls being confirmed accurate ( which in fact were not ) 8.1. Parallel process that provided overlapping paperwork 9. XX/XX/XXXX Received Equifax Dispute Results for XXXX XXXX Hard Credit Pull 9.1. Equifax confirmed XXXX XXXX Hard Pull is accurate per the details they have been given 9.2. This translated that the XXXX database system did not actually make the changes as requested and required 10. XX/XX/XXXX I wrote detailed explanation letter and faxed it to XXXX XXXX Client Resolution Office detailing explaining why the situation and requested that that at least 1 Hard Credit Pull be removed from my Equifax report for being unauthorized 10.1. Also Provided the XX/XX/XXXX letter from XXXX XXXX on the original decline to remove this Hard Credit Pull 10.2. All later and materials were faxed the same day 11. XX/XX/XXXX XXXX Letter confirming that the XX/XX/XXXX would be removed from my Equifax Credit Report as unauthorized 11.1. The letter also stated that Equifax has been notified of this change at the same time 12. XX/XX/XXXX Continued to monitor my monitoring system 12.1. As I was informed that these update transactions were immediate updates per my conversations with Equifax 13. XX/XX/XXXX Refreshed my Online Equifax Credit Report 13.1. The XXXX Hard Credit Pull and the 2 XXXX Hard Credit Pulls were still showing on my report from that day XX/XX/XXXX 14. XX/XX/XXXX Several calls with detailed notes about the outstanding issues I have been continuing to fight with Unauthorized Hard Credit Pulls on my Equifax Credit Report 14.1. One call to Equifax confirmed that the 2 Hard Credit Pulls from XXXX had been removed per their records, but that the 1 XXXX XXXX Hard Credit Pull was still showing 14.2. I was able to get a Free Revised Credit report from Equifax ordered that arrived XX/XX/XXXX that did confirm that the 2 XXXX Hard Pulls have been removed 14.3. But the 1 XXXX XXXX Hard Credit Pull for XX/XX/XXXX has yet to be removed 14.4. Equifax repetitively told me that they have never received the Update/Delete Electronic Message from XXXX back in early XX/XX/XXXX 14.5. Equifax consistently blamed the issue on XXXX XXXX not sending the updated details 14.6. Equifax confirmed with several different managers I spoke to that these updates to Hard Credit Pulls were immediate updates and they would be able to see these transactions in their system same day, which is why they kept telling me that XXXX XXXX has not sent their updated message to remove this Hard Credit Pull 15. XX/XX/XXXX Called XXXX XXXX Again 15.1. Spoke with XXXX about the situation, and gave him the history yet again 15.2. XXXX connected me with XXXX in Savings/Credit/Cards in charge of Credit Reporting Challenges 15.3. XXXX indicated that he would help get the Deletion record sent a second time and this should be escalated to be completed in 3-5 Business Days 15.4. XXXX gave me a Call ID XXXX to track the progress of this request ( however, nobody in the XXXX Call Tree process was actually able to use this number to find the details of this case ) 15.5. XXXX can confirm that I have been calling XXXX Support several times to get this issue resolved, which is very true 15.6. This is the second confirmed time that I have been told by XXXX XXXX that the Updated/Electronic Message would have been sent 16. XX/XX/XXXX Tried to write a dispute letter to Equifax regarding the 2 XXXX Hard Credit Pulls 16.1. But I talked with Equifax Support to help confirm the process, which is where Equifax told me again that a letter will not work to get this issue corrected, only an electronic record from the Creditor ( XXXX XXXX ) would get this record updated 16.2. I explained that there have been 2 Electronic records sent by XXXX XXXX, but once again the Equifax Rep told me that they have received nothing from XXXX XXXX on this and that the change would be immediate from the day the electronic update record was received 16.3. Once again Equifax blamed XXXX XXXX for not sending the update message, despite XXXX XXXX having sent it twice in the past month 17. XX/XX/XXXX Equifax Credit Report received 17.1. Confirmed that the 2 XXXX Hard Credit Pulls had been removed this issue had been resolved 17.2. But the 1 XXXX XXXX Hard Credit Pull was still showing this was still outstanding to be resolved 18. XX/XX/XXXX Another Hour plus call to Equifax to review the situation and confirm that they have still not received any electronic record from XXXX XXXX and that the update would be immediate as soon as they receive the electronic record 19. XX/XX/XXXX Another Hour Plus call to XXXX XXXX to continue to explain that this issue has yet to be resolved, but unable to reach XXXX with the Call ID I had been previously provided 19.1. Left messages to try to have XXXX return my call and provide me a status update and next steps 19.2. Either the XXXX XXXX system is not sending the correct type of update message or the Equifax system is refusing the electronic updated message but can not confirm where the issue lies 20. XX/XX/XXXX XX/XX/XXXX Busy from work and only able to make some calls during this window 20.1. But best recommendation was to possibly go directly into the local branch for assistance with this 21. XX/XX/XXXX Additional Call to Key Support 21.1. XXXX XXXX Agent ( XXXX ) had documentation to show that this request was completed per their details as of XX/XX/XXXX but this was still showing up as of XX/XX/XXXX 21.2. XXXX was not able to escalate the issue any further and was supposed to have a Supervisor contact me back the following morning but that did not happen 22. XX/XX/XXXX Went into the local branch and started working with XXXX the Branch Manager 22.1. Have email communications and submitted yet another internal XXXX XXXX Dispute form to be submitted and this this resolved 22.2. Reiterated and shared the copy of the XX/XX/XXXX Letter from XXXX confirming this would be removed but it is now 3 Months later and this is still not resolved 23. XX/XX/XXXX Emailed completed XXXX XXXX Internal Dispute Form to XXXX to resubmit the electronic dispute 24. XX/XX/XXXX Continue email follow up but XXXX was called out of the office and was not responding 25. XX/XX/XXXX Still no response from XXXX by phone or email, so called the main number and reached XXXX 26. XX/XX/XXXX Completed the 2nd copy of the XXXX XXXX Dispute Form for XXXX to reprocess in order to try to get this issue properly resolved 27. XX/XX/XXXX Received yet another confirmation letter from XXXX XXXX Client Relations that the additional Dispute Form was approved and another transaction was to be sent to Equifax to get this resolved 27.1. It is understood that XXXX and XXXX can not directly fix this issue, but one of the Escalation team members inside XXXX had indicated that he had been in contact with Equifax and the Equifax representative confirmed the receipt of an earlier message but could not determine why it was not properly processed 27.2. The additional request that was being sent was supposed to be processed and taken care of 27.3. The Equifax representative shared his greatest apologizes for the challenges to getting this resolved, but gave indication that it would be finally taken care of and this XX/XX/XXXX Hard Credit Pull would be removed from my record 28. XX/XX/XXXX This issue is still not resolved and I am simply running out of options and can not get to the correct resources within Equifax to get this resolved, which truly seems to be either a process issue or technologic issue that Nobody is properly owning and/or addressing based upon the fact that this issue as of today is still not resolved 28.1. So, I prepared this detailed material to file the complaint with Consumer Financial Protection Bureau 28.2. This has been wrong on my report since XX/XX/XXXX for 6 months 28.3. I have had confirmation that it would be removed and resolved since XX/XX/XXXX, but have since been waiting nearly 4 months 28.4. This Hard Credit Pull is NOT Authorized, XXXX XXXX has been Approved to be Removed per my rights, and sent in the details, and this has been promised numerous times to be corrected over the last several months, but after hours upon hours, week after week, and month after month, I continue to have this unauthorized information on my credit report pulling down my credit score 29. I have been repetitively told by Equifax that if they had received the update this would be an immediate fix but there is additional attempts to push back saying that this might take up to 45 days to resolve which is completely opposite of every individual contact I made on this specific issue with Equifax representatives 29.1 Even if there is a 45 day window required it has now been 138 days in the process to complete.
29.2 The XXXX XXXX is out of options at the branch level, but there is no other resource available to get Equifax Resources necessary to fix their issue to get these minimum 4 attempts that this has tried to make this happen.
|
11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXXXXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX,, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validations.
RE : You violated the United States XXXXode Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. XXXX said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate XXXXnformation. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA XXXX harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts XXXX XXXX the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no o
ther : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of XXXXXXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # 163130449, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( XXXX ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Elijah Luis Martinez, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # 164369133, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a XXXX XXXX XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under XXXX XXXX XXXX XXXX you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXXXXXX XXXX of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Andre Lemore Judson, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # 166524915, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Courtney W Anthony, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # 165219221, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is, XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. XXXX said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA XXXX misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
XXXX5 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector XXXX use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is, XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
XXXX XXXXS. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
XXXX U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no
other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a XXXX XXXX XXXX that I have to take XXXX for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Gilberto Medina JR, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under XXXX XXXX XXXX XXXX permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOG
O on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not
state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is, XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also XXXX XXXX XXXX defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX,, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement cre
ating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validations.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. XXXX said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under XXXX XXXX Code XXXX you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validations.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS
|
05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I XXXX XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. XXXX said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {XXXX per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {XXXX, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to XXXX XXXX for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. XXXX said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this isXXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are liable for all damages that I suffered because of your XXXX activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YO
U THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( XXXX ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, w
hichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no othe
r : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, I am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to XXXX XXXX for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validations.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporti
ng THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation. 18 U.S. Code 1028A
- Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken adv
antage of. FDCPA 8012 fur
nishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are
a debt Collection business. 15 U.S. Code 1602 - Definitions and rules of construction ( e ) T
he term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS. 15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. 15 USC 1692d ( 1 ) A debt collector may not engage in any
conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this sect
ion : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit. 15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check. 15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes
of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. XXXX FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : XXXX # XXXX ALL LAWS PROTECTING EMPLOYEE ( XXXX ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by CORPORATION/COMPANY NAME or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX
|
10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit i
nformation about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such
a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whi
chever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Nicholas Reyes, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FD
CPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
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12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To the CFPB : 15 USC 6805 Enforcement. ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, ALL ACCOUNTS ARE IN VIOLATION OF THE PRIVACY ACT OF 1974 ( 5 U.S.C subsection 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports.
( b ) Conditions of Disclosure. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
They need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information.
Accounts that are reporting as Charge offs.
Charge offs are consider certificates of indebtness and 1099-C are filed.
According to the IRS Publication 4681 ( 2022 ) Canceled Debts, Foreclosures, Repossessions and Abandonments.
Under introduction it states : Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. Also, under General Rule it states : Generally, if a debt for which you are personally liable is forgiven or discharged for less than the full amount owed, the debt is considered canceled in whatever amount it remained unpaid. Generally, you must include the canceled debt in your income. A debt includes any indebtedness : For which you are liable, or Subject to which you hold property. Per the IRS, charge offs are considered income and income can not be reported on my credit report. They MUST be REMOVED!
Diversified Adjustments is reporting the following XXXX charge off and Equifax Charge off XXXX XXXX is reporting the following XXXX charge off and XXXX Charge off These are the accounts that are in violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
XXXX XXXX is reporting the following XXXX open date XX/XX/XXXX and XXXX open date XX/XX/XXXX XXXX is reporting the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX and Equifax open date XX/XX/XXXX These same accounts such as : XXXX, XXXXXXXX XXXX, XXXX, and XXXX XXXX are in violation of the following 15 USC subsection 6802 Obligation with respect to disclosures of personal information.
( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt Out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( a ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option 16 CFR 313.1 Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
16 CFR 314- Standards for safeguarding customer information. Also see 15 USC 6801 ( b ) 6805 ( b ) ( 2 ) I have not given XXXX, XXXX XXXX, XXXX, and XXXX XXXX permission to furnish my information to third parties and I was not given notice of such furnishings.
15 USC subsection 1681bXXXX Permissible purpose of consumer reports.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
AGAIN, I DID NOT GIVE WRITTEN CONSENT TO FURNISH ANY OF THE ABOVE ACCOUNTS ON MY CREDIT REPORT.
15 USC subsection 1681c- Requirements relating to information contained in consumer report.
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven year.
WITH THE EXPECTIONS OF CONVICTION OF CRIMES, NOTHING SHOULD BE FURNISHED ON MY CREDIT REPORT.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
As you can see, All the forementioned accounts must be removed from my credit report due to several violations.
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06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 XXXX in XXXX I feel very XXXX and XXXX by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
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10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very badXX/XX/XXXX You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXXXXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
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08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, TYPE OF ISSUE Debt was result of identity theft and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have consistently disputed the inaccuracies in the provided information with Equifax, XXXX, and XXXX ; regrettably, the matter remains unresolved to date.
The inaccuracies pertain to the following details : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXXXXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX 8. The following personal information is incorrect Employers : XXXX XXXX XXXX 9. The following personal information is incorrect Employers : XXXX XXXX 10. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX 11. The following personal information is incorrect XXXX Case Number : XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX - XXXX SERVICE Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The status is incorrect for the following account XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
22. The status is incorrect for the following account XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
23. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
24. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
25. The following accounts were closed by me and should state that XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
The inaccuracies pertain to the following details : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Former : XXXX XXXX 3. The following personal information is incorrect Former : XXXX XXXX XXXX 4. The following personal information is incorrect Former : XXXX XXXX 5. The following personal information is incorrect Former : XXXX XXXX XXXX 6. The following personal information is incorrect Also Known As : XXXX XXXX 7. The following personal information is incorrect Also Known As : XXXX XXXX 8. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 9. The following personal information is incorrect Also Known As : XXXX XXXX 10. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 14. The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX XXXX XXXX 15. The following personal information is incorrect XXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report.
16. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and delete from my credit report.
27. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
28. The status is incorrect for the following account XXXX XXXX XXXXXXXX Account Number : XXXX Please ensure that all information is accurate 29. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
30. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
31. The status is incorrect for the following account XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
32. The following accounts were closed by me and should state that XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
The inaccuracies pertain to the following details : 1. The following personal information is incorrect Former : XXXX, XXXX 2. The following personal information is incorrect Also Known As : XXXX, XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. The following personal information is incorrect XXXX : XXXX XXXX 5. The following personal information is incorrect XXXX Case Number : XXXX Please remove this inaccurate information from my credit report.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and delete from my credit report.
20. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
21. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
22. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Please remove it from my credit report.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and delete from my credit report.
20. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
21. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
22. The status is incorrect for the following account XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
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12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX D.O.B XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing Equifax for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page. And remove unverified Bankruptcy attached is a correspondence from the orginal court stating it is unverified.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX D.O.B XX/XX/XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page..
. And remove unverified Bankruptcy attached is a correspondence from the orginal court stating it is unverified.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX D.O.B XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
. And remove unverified Bankruptcy attached is a correspondence from the orginal court stating it is unverified.
I look forward to your response.
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name______XXXX______________________________ Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account Amount___________________________________ Account Name__XXXX XXXX___________________________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name____XXXX XXXX_________________ Date open_______________________________________ Account Number___ XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name____XXXX XXXX_________________________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name___XXXX________________________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name____XXXX XXXX__________________________________ Date XXXX Account Number_ XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name__XXXX XXXX___________________________________ Date XXXX Account XXXX Reason for dispute__MISTAKEN IDENTITY/UNVERIFIED________________ Account Amount_____________________________________
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10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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( DISPUTE CODE - XXXX ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting fraudulent information across all 3 of my consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across all XXXX of my consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across all XXXX of my consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau XXXX I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Equifax and XXXX consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern ( CEO/Person of highest authoritiesXXXX XXXX XXXX ) , I , XXXX XXXX, The consumer and obligor has noticed a billing error. The creditor has failed to give me proper notice of this billing error several times. I have noticed every account statement is in invoice of indebtedness, also having a coupon/check attached to it. On this invoice the creditor is attempting to collect a debt that has already been paid. They claim that this is a debt that I owe. How is that possible if the amount that theyre asking for isnt a negative balance? And how is it possible that this debt is still owed when my signature on my application is payment of the debt? I, XXXX XXXX ( the obligor and consumer ) I am giving proper notice of this billing error. This is my final attempt to clear and dismiss of any debt that the creditor claims that I owe.
According to 15 USC 1666b timing of payments states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
The creditor has failed several times to provide me ( the consumer/obligor ) with each periodic statement and information required by section 1637 ( b ) of title 15 USC 1666b . The creditor has not gave me proper notice within 21 days of the payment due date as required by 15 USC 1666b. What is a late payment? And how can that payment be late or past due if it is not a negative balance? How can a due payment, late, missed, or past due balance exist if my signature on my application for credit is payment of the debt?
According to 15 USC 1666d Treatment of credit balances States Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditorin excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Every account statement has failed to demonstrate indebtedness. For example if I borrow {$20000.00} shouldnt my account statement show a negative $ XXXX? And every time I make a payment it would reduce that amount bringing the negative balance closer to {$0.00}? None of the account statements show a negative balance, only a positive balance. According to the law a positive balance means that there is a surplus. This debt that the creditor claims I owe does not belong to me. And Though they say this debt isnt yet due, they are expecting me to pay this debt AGAIN in the near future. I can assure this debt WILL NOT BE PAID AGAIN. I DO NOT CHOOSE TO PAY THIS DEBT TWICE!! This debt has already been paid for with my signature and no longer belongs to me!
According to 18 USC section 8 Obligation or other security of the United States defined States The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceledUnited States stamps. All debts public and private are the obligation of the United States. The creditor claims that I owe/owed this debt but what exactly am I paying for if the debt has already been paid for with my signature? The obligation has already been paid for. So why are they claiming that I owe/owed this debt? This billing error notice is also a notice of request for refund by I, XXXX XXXX ( the consumer/obligor ).
According to 15 USC 1666d section A, section B, section C, States A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
I am now requesting a refund of ALL payment AND dismissal and discharge of this debt. I XXXX XXXX ( the consumer/obligor ) I am also requesting that the accounts be ceased and desist IMMEDIATELY. The creditor is trying to fraudulently and illegally double dip on payment of this debt. I will NOT pay this debt twice!! The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ) creating a false belief that I owe this debt.
According to 15 USC 1692J Furnishing certain deceptive forms States It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. The creditor has been racketeering and extorting money out of XXXX, XXXX XXXX ( the consumer/obligor ) several times. This is totally illegal and they could go to jail for this.
According to 18 USC 1961 Definitions States 1 ) racketeering activity means ( A ) any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, extortion, dealing in obscene matter, or dealing in a controlled substance or listed chemical ( as defined in section 102 of the Controlled Substances Act ), which is chargeable under State law and punishable by imprisonment for more than one year ; ( B ) any act which is indictable under any of the following provisions of title 18, United States Code : Section 201 ( relating to bribery ), section 224 ( relating to sports bribery ), sections 471, 472, and 473 ( relating to counterfeiting ), section 659 ( relating to theft from interstate shipment ) if the act indictable under section 659 is felonious, section 664 ( relating to embezzlement from pension and welfare funds ), sections 891894 ( relating to extortionate credit transactions ), section 932 ( relating to straw purchasing ), section 933 ( relating to trafficking in firearms ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ), section 1084 ( relating to the transmission of gambling information ), section 1341 ( relating to mail fraud ), section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ), section 1351 ( relating to fraud in foreign labor contracting ) However, I am willing to overlook this matter AS LONG AS ALL of my request are resolved AND completed within 5 days of receiving this notice.
According to 15 USC 1666a regulations of credit reports States, ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency. If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title. If my request is not resolved AND completed within the given time frame above, I will take this to higher authorities. The creditor now has 5 days within receiving this notice to refund me, clear/dismiss the debt, and cease and desist of the account. The creditor ( XXXX ) has furnished this debt on my credit report WITHOUT MY CONSENT. I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congres under the Fair Credit Reporting Act ( FCRA ).
Ignoring this Cease and Desist will be evidence that the infringements were wiling, deceptive, and in violation of the FCRA.
I have been more than kind & patient. Now is not the time to investigate!
Kind Regards, XXXX XXXX XXXX XXXX XXXX [ XXXX ] UCC XXXX XXXX prejudice/recourse
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08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
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Web |
Servicemember |
On Saturday, XX/XX/XXXX my daughter, husband and I visited the XXXX XXXX of XXXX, XXXX XXXX XXXX My daughter had visited XXXX XXXX of XXXX, XXXX XXXX XXXX on Friday, XX/XX/XXXX she worked with salesperson name " XXXX ''. When I met salesperson " XXXX '' Saturday, XX/XX/XXXX I was very clear with what I wanted ( a used American vehicle ; nothing but American made ) ; how much I planed to spend ( no more than {$14.00}, XXXX {$17000.00} the max ) ; how much I wanted the monthly note ( $ XXXX {$350.00} ) the max. When my daughter called me on Friday, XX/XX/XXXX for a loan down payment of {$3000.00} I was very clear than on the phone and my position did not change by Saturday, XX/XX/XXXX in person. I told XXXX I was putting {$3000.00} down nothing more. We went on the lot where the used cars where kept, we walked around and found XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX miles VIN # : XXXX ; Stock # : XXXX ; Price {$17000.00} I tested drove the vehicle. When my daughter, husband and I returned to the lot we sat down with XXXX answer the questions and gave him information that was required for purchasing a vehicle. XXXX kept going in a office and returning to us with an increase of monthly payment ( before we went outside on the lot he said my daughter could get any car on the lot with {$3000.00} down ). I had told XXXX when I enter that I did not have a whole lot of time to spend in the office and don't play games trying to get the car note above the amount I said I was spending. We spent four ( 4 ) hours in that dealership waiting on the bank to approve the loan. I had a XXXX meeting which I told XXXX earlier in my visit I became irritated because XXXX leave for 45 minutes or more and returned with some ridiculous price and go back in the office, I could see him enter and exiting this office. What caused me to cancel the whole deal is when XXXX sent the used cars manager tall dark skin man who sat down in front of us and asked if my daughter could pay {$490.00} dollars a month. I yelled, " NO ''! Didn't I tell you no more than {$350.00}? I told XXXX I wanted the payment at least $ 290 monthly. I was so frustrated and angry because XXXX wasted my time when I told him not to waste my time, I had to make calls for someone else to chair my meeting. I failed to get the used car manager name because of my anger and I told him ( used car manager ) CANCEL THE WHOLE DEAL! I DO NOT WANT ANY VEHICLE FROM HERE. CANCEL THE WHOLE DEAL! I told my husband to give me the keys I was not sitting in there looking at him ( meaning the used car manager ) if they want to look at him they could continue to sit!!! My husband and daughter slowing peeled their behinds from the chairs I guess from the embarrassment from all the yelling I was doing, we left the property. I received a phone called from XXXX on Wednesday, XX/XX/XXXX we did our salutations XXXX said he was checking if we had found anything? I replied, " Yes, I'm riding in it right now. '' XXXX asked what did she ( my daughter ) find I told him other small talked was said and we disconnect. My daughter and I went to my credit union with the paperwork from another dealership we went to on Sunday, XX/XX/XXXX in Virginia and the vehicle we actually purchased was less miles and cheaper we was in the office for two and a half ( 2.5 ) hours, my credit union sent a check to the Virginia car dealership and now we make payment thru my credit union. Allowed me to add that XXXX XXXX of XXXX, XXXX XXXXXXXX XXXX cars are over priced and the saleperson 's XXXX and the used car manager are crooks, liars and theives. Since my visit with XXXX XXXX of XXXX, XXXX XXXX XXXX my daughter and I has been receiving denial letters from different banks. This one letter is nothing but FRUAD! I NEVER SHOP FOR ANY VEHICLE ON XXXX XXXX of XXXX, XXXX XXXX XXXX LOT FOR {$26000.00}. We never looked at any vehicle at that price range. Plus I TOLD XXXX XXXX of XXXX, XXXX XXXX XXXX to CANCEL ALL DEALS! I said, " CANCEL ALL DEALS! '' more than three ( 3 ) or four ( 4 ) times on Saturday, XX/XX/XXXX. When I spoke with XXXX on Wednesday, XX/XX/XXXX I told him why I CANCEL ALL DEALS. Even when we disconnect on the phone on Wednesday, XX/XX/XXXX XXXX was very aware that I CANCEL ALL DEALS! He was not happy because I told him that he wasted my time and his, I also said, to XXXX he could have heard cow bells if he wasn't trying to be greedy. Cow bells is what they shack when a vehicle get sold. I heard cow bells maybe twice while wasting my time. Once I began receiving the denial letters I called the bank on one of the letters and I was told to called the dealership and explained what I just said on this compliant and the dealership can contact the bank that's the only way to correct my credit score. I have worked really hard trying to clean my credit and I am not going to allowed XXXX XXXX of XXXX, XXXX XXXX XXXX to purposely with intent damage my credit because I did not purchase a vehicle with XXXX the salesperson. I spoke with On Saturday, XX/XX/XXXX my daughter, husband and I visited the XXXX XXXX of XXXX, XXXX XXXX XXXX My daughter had visited XXXX XXXX of XXXXXXXX XXXX XXXX XXXX on Friday, XX/XX/XXXX she worked with salesperson name " XXXX ''. When I met salesperson " XXXX '' Saturday, XX/XX/XXXX I was very clear with what I wanted ( a used American vehicle ; nothing but American made ) ; how much I planed to spend ( no more than {$14.00}, XXXX {$17000.00} the max ) ; how much I wanted the monthly note ( $ XXXX {$350.00} ) the max. When my daughter called me on Friday, XX/XX/XXXX for a loan down payment of {$3000.00} I was very clear than on the phone and my position did not change by Saturday, XX/XX/XXXX in person. I told XXXX I was putting {$3000.00} down nothing more. We went on the lot where the used cars where kept, we walked around and found XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX miles VIN # : XXXX ; Stock # : XXXX ; Price {$17000.00} I tested drove the vehicle. When my daughter, husband and I returned to the lot we sat down with XXXX answer the questions and gave him information that was required for purchasing a vehicle. XXXX kept going in a office and returning to us with an increase of monthly payment ( before we went outside on the lot he said my daughter could get any car on the lot with {$3000.00} down ). I had told XXXX when I enter that I did not have a whole lot of time to spend in the office and don't play games trying to get the car note above the amount I said I was spending. We spent four ( 4 ) hours in that dealership waiting on the bank to approve the loan. I had a XXXX meeting which I told XXXX earlier in my visit I became irritated because XXXX leave for 45 minutes or more and returned with some ridiculous price and go back in the office, I could see him enter and exiting this office. What caused me to cancel the whole deal is when XXXX sent the used cars manager tall dark skin man who sat down in front of us and asked if my daughter could pay {$490.00} dollars a month. I yelled, " NO ''! Didn't I tell you no more than {$350.00}? I told XXXX I wanted the payment at least $ 290 monthly. I was so frustrated and angry because XXXX wasted my time when I told him not to waste my time, I had to make calls for someone else to chair my meeting. I failed to get the used car manager name because of my anger and I told him ( used car manager ) CANCEL THE WHOLE DEAL! I DO NOT WANT ANY VEHICLE FROM HERE. CANCEL THE WHOLE DEAL! I told my husband to give me the keys I was not sitting in there looking at him ( meaning the used car manager ) if they want to look at him they could continue to sit!!! My husband and daughter slowing peeled their behinds from the chairs I guess from the embarrassment from all the yelling I was doing, we left the property. I received a phone called from XXXX on Wednesday, XX/XX/XXXX we did our salutations XXXX said he was checking if we had found anything? I replied, " Yes, I'm riding in it right now. '' XXXX asked what did she ( my daughter ) find I told him other small talked was said and we disconnect. My daughter and I went to my credit union with the paperwork from another dealership we went to on Sunday, XX/XX/XXXX in Virginia and the vehicle we actually purchased was less miles and cheaper we was in the office for two and a half ( 2.5 ) hours, my credit union sent a check to the Virginia car dealership and now we make payment thru my credit union. Allowed me to add that XXXX XXXX of XXXX, XXXX XXXX XXXXXXXX cars are over priced and the saleperson 's XXXX and the used car manager are crooks, liars and theives. Since my visit with XXXX XXXX of XXXXXXXX XXXX XXXX XXXX my daughter and I has been receiving denial letters from different banks. This one letter is nothing but FRUAD! I NEVER SHOP FOR ANY VEHICLE ON XXXX XXXX of XXXXXXXX XXXX XXXX XXXX LOT FOR {$26000.00}. We never looked at any vehicle at that price range. Plus I TOLD XXXX XXXX of XXXX, XXXX XXXX XXXX to CANCEL ALL DEALS! I said, " CANCEL ALL DEALS! '' more than three ( 3 ) or four ( 4 ) times on Saturday, XX/XX/XXXX. When I spoke with XXXX on Wednesday, XX/XX/XXXX I told him why I CANCEL ALL DEALS. Even when we disconnect on the phone on Wednesday, XX/XX/XXXX XXXX was very aware that I CANCEL ALL DEALS! He was not happy because I told him that he wasted my time and his, I also said, to XXXX he could have heard cow bells if he wasn't trying to be greedy. Cow bells is what they shack when a vehicle get sold. I heard cow bells maybe twice while wasting my time. Once I began receiving the denial letters I called the bank on one of the letters and I was told to called the dealership and explained what I just said on this compliant and the dealership can contact the bank that's the only way to correct my credit score. I have worked really hard trying to clean my credit and I am not going to allowed XXXX XXXX of XXXX, XXXX XXXX XXXX to purposely with intent damage my credit because I did not purchase a vehicle with XXXX the salesperson. I spoke with XXXX XXXX, XXXX Title Clerk with XXXX XXXX of XXXX, XXXX XXXX XXXX she take my compliant. I haven't heard from anyone that represent XXXX XXXX of XXXX, XXXX XXXX XXXX in writing or by phone. Who at XXXX XXXX XXXX XXXXXXXX XXXX committed fraud? Lied about the loan request after I CANCEL?
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11/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Credit reporting agencies aid and abet many favorite financial institutions in the the collection of extensions of credit by extortionate means. If the credit reporting agencies would've conducted a reasonable investigation, they would've found that my fiduciary breached their duty by furnishing false credit information.
15 usc 1666b - If there's no proof of indebtedness, there is no late payment. financial institution knows that furnishing inaccurate to the CRAs violate federal law. But do it anyway.
why would credit reporting agencies be reporting negative information on an EXTENSION OF CREDIT they are NOT REQUIRED BY LAW to furnish? Disclosing false credit information that jeopardizes your consumer credit reputation as a means of coercing repayment on an extension of credit constitutes racketeering activity.
That negative information provision is your financial institution 's agreement is their POLICY. Their policy shouldn't violate your federally protected rights. There's no debt, only extortionate extensions of credit.
Under the FCRA I have a right to privacy and a fair and equitable credit report. why are you CRAs allowing debt collectors to furnish this false credit information knowing it will harm my relationship with other banks and cause damages?
Under the FDCPA, furnishing an alleged debt to coerce payment is a violation of 15 USC 1692d ( 4 ) which the FTC defines as debt parking. There is no debt, only an attempt to collect on an extortionate extension of credit using unlawful extortionate means.
Please provide me with a chain of title, your license to collect in my state, and a bill of assignment just to even see if they have the right to collect on this " ALLEGED '' debt.
You, the Debt collector shouldn't have my information in the first place. Let alone, use it to bring harm to me and my financial reputation. That's aggravated identity theft.
You, the debt collector, financial institution, and the credit reporting agencies are participating in extortionate behavior to collect on a debt that doesnt exist.
If my fiduciary didn't breach their fiduciary duty I wouldn't be in court to start with. The fact they are pursuing repossession and suing do to " nonpayment '' shows an unauthorized use of a credit card ( social ). If they received consideration ( aka my social ) and pursuing damages and repossessed the car, where is my consideration? How can a " contract '' be legally binding without the essential element of consideration?
ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : ACCOUNT NAME ACCOUNT NUMBER BALANCE XXXX XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX XXXX XXXX - {$12.00} ( Past due amounts incorrect, should be marked as paid on time ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$1200.00} XXXX XXXX XXXX XXXXXXXX - {$110.00} XXXX XXXX XXXXXXXX XXXX - {$4000.00} XXXX XXXX XXXXXXXX - {$1700.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1200.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. LET IT BE KNOWN : If a consumer reporting agency, or, in some cases, a user of consumer reports or afurnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.You may also have the right to file suit under state law.
Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNTS ARE OPEN WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCES OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR YOU TO REPORT THIS ACCOUNT YOU WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF XX/XX/XXXX THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT OR UPDATED AS CLOSED AND PAID IN FULL AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B.
DEPT OF EDUCATIONXXXX : XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.
It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I would appreciate if you would obtain a statement of facts from the DEPT OF EDUCATIONXXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency.
THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED OR UPDATED TO BE REPORTED AS PAID IN FULL IMMEDIATELY UPON RECEIPT.
LET IT BE KNOWN : If a consumer reporting agency, or, in some cases, a user of consumer reports or afurnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.You may also have the right to file suit under state law.
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX Explanation : XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX, XXXX EQUIFAX XXXX XXXX UP XXXX XXXX, XXXX EQUIFAX XXXX XXXX, XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX Direct to Consumer Report XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX Direct to Consumer Report XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XXXX XXXX, XXXX XXXX XXXX ID Report XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX Direct to Consumer Report XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX Direct to Consumer Report XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XXXX XXXX, XXXX EQUIFAX Credit Report XX/XX/XXXX XXXX, XXXX Credit Report XX/XX/XXXX EQUIFAX Credit Report XX/XX/XXXX XXXX XXXX XXXX Credit Report I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Please provide me with the method of verification that you and/or your staff used to verify and validate this inquiry.
Also, Please remove all incorrect addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
This dispute is in response to CFPB Complaint Number : XXXX, that was prematurely closed. Instead of addressing my concerns from the original complaint, the company attempted to sell me on the idea that the information that they provided via mail addressed the concerns from this complaint. However, this is grossly inaccurate. While they did address a few concerns, in regards to removing a FEW of the inaccurate previous addresses listed on my report, Equifax failed to validate the late payments and failed to even refute the evidence that I provided within this CFPB Complaint, XXXX, illuminating the errors on their end. The information is inaccurate and I am still awaiting them to delete the remaining addresses that do not conform to the address on my Driver 's license, and more importantly the DELETE the negative accounts from my credit report. In addition to compliance with this dispute, I would like {$1000.00} compensation for a multitude of FCRA violations for each issue listed below. Please note that if the issues are not addressed and completed to my satisfaction, I intend to sue under FCRA violations.
Below I have listed the specifics of your FCRA infractions and Demand Retribution immediately! To identify Account numbers addressed in the dispute below, Please use the Accounts # s provided in the XXXX Credit Report!!!!
1 ) Dept of Ed/XXXX - Account # XXXXXXXX XXXX ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
2 ) Dept of Ed/XXXX - Account # XXXXXXXX XXXX ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
3 ) Dept of Ed/XXXX - Account # XXXX XXXX ) Again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
4 ) Dept of Ed/XXXX - Account # XXXX XXXX ) Again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
XXXX ) Dept of Ed/XXXX - Account # XXXXXXXX XXXX ) And yet again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
6 ) Dept of Ed/XXXX - Account # XXXXXXXX XXXX ) In a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately.
7 ) Dept of Ed/XXXX - Account # XXXXXXXX XXXX ) Yet again, as captured in a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately.
8 ) Dept of Ed/XXXX - Account # XXXXXXXX XXXX ) Yet again, as captured in a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately.
9 ) Dept of Ed/XXXX - Account # XXXXXXXX XXXX ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
10 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
11 ) Dept of Ed/XXXX - Account # XXXX XXXX ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
C ) The high balance listed for this account is {$380000.00}, which is 10,000 % higher than the true balance. Both XXXX XXXX & XXXX have captured the true high balance amount of {$3800.00}, yet you insist on reporting inaccurate information. This is yet another example of RECKLESS reporting that warrants PUNITIVE DAMAGES. As I'm sure you're aware, the negative reporting in conjunction with the reported high balance causes significant damage to my report. Again, stop guessing, and delete this account from my consumer report.
12 ) Apart from my dispute, you were told to remove all hard inquiries from my account that did not contain my signature. You completely glossed over this request, despite me indicating to you that fraud protection and account suppression needed to be added to my account. Please take this time to remove them all from my consumer report.
13 ) Addresses reported : You still have several addresses listed on my report. Delete them all, except for the one I provided to you in my original dispute. Enough shenanigans. Fix this crud for once and for all.
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02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in full-ness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNER-SHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correct-ness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXXXXXX XXXX XXXX account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX XXXX XXXX Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 da-ta field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RE-SPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least. I am requesting validation, made pursuant to the Fair Debt Col-lection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit re-porting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports. Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ 1,000+ per infraction per reporting cycle in a suitable rectifying and remedial set-ting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA, my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SE-VERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
In genuine sincerity, XXXX XXXX XXXX
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05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
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05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
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04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Equifax : I want to express my gratitude for everything that XXXX helped me achieve on my credit. I have been working on it for months now, doing everything on my end to rebuild my score and I can say that the update that I received this month made me happy somehow. I know I still got a lot of work to do to be able to say that I made it, so I am really hoping you won't get tired of helping me. Could you please review these remaining activities on my credit that are either fraudulent, not mine, unauthorized or inaccurate? I would very much appreciate any help you can give. Under 15 U.S.C. Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of this letter.
1. XXXX XXXX Bankruptcy -- XXXX XXXX : XXXX Validate Account. Please remove this inaccurate information from my credit report.
2. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
3. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
4. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
5. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
6. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
7. XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit 8. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
9. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
10. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
11. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
12. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
13. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
14. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
15. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
16. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
17. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
18. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
19. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
20. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
21. XXXX -- XXXX of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit 22. XXXX XXXX -- Account XXXX : XXXX XXXX Account. Please remove this inaccurate information from my credit report.
Experian po box XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : I want to express my gratitude for everything that youve helped me achieve on my credit. I have been working on it for months now, doing everything on my end to rebuild my score and I can say that the update that I received this month made me happy somehow. I know I still got a lot of work to do to be able to say that I made it, so I am really hoping you won't get tired of helping me. Could you please review these remaining activities on my credit that are either fraudulent, not mine, unauthorized or inaccurate? I would very much appreciate any help you can give.
Under 15 U.S.C. Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of this letter.
1. XXXX XXXX Bankruptcy -- XXXX XXXX : XXXX Validate Account. Please remove this inaccurate information from my credit report.
2. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
3. XXXX XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
4. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
5. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
6. XXXX XXXX NA -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
7. XXXXXXXX XXXX XXXXXXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit.
report.
8. XXXX XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
9. XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
10. XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
11. XXXX XXXXXXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
12. XXXX XXXXXXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
13. XXXX XXXXXXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
14. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
15. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
16. XXXX XXXXXXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
17. XXXXXXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
18. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
19. XXXX XXXX -- Account Number : XXXX XXXX Account. Please remove this inaccurate information from my credit report.
20. XXXX SELF-REPORTED -- Account Number : XXXX Validate Account. Please remove this inaccurate information from my credit report.
21. XXXX XXXX -- Account Number : XXXX Validate Account. Please remove this inaccurate information from my credit report.
XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XX/XX/XXXX XXXX : I want to express my gratitude for everything that youve helped me achieve on my credit. I have been working on it for months now, doing everything on my end to rebuild my score and I can say that the update that I received this month made me happy somehow. I know I still got a lot of work to do to be able to say that I made it, so I am really hoping you won't get tired of helping me. Could you please review these remaining activities on my credit that are either fraudulent, not mine, unauthorized or inaccurate? I would very much appreciate any help you can give.
Under 15 U.S.C. Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of this letter.
1. DEPT OF ED -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
2. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
3. DEPT OF ED -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
4. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
5. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
6. DEPT OF ED -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
7. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
8. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
9. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
10. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
11. XXXX XXXXXXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
12. XXXX XXXX -- Account Number : XXXX Validate Account. Please remove this inaccurate information from my credit report.
13. XXXX XXXX -- Account Number : XXXX Validate Account. Please remove this inaccurate information from my credit report.
14. XXXX XXXX Bankruptcy -- XXXX XXXX : XXXX Validate Account. Please remove this inaccurate information from my credit report.
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07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX.
Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection BureauXXXX XXXXXXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in
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11/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
Exs dispute cfpb Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX DOB :XX/XX/XXXX XX/XX/XXXX Legal Department EQUIFAX : You are in direct violation of the FCRA 611 and 623 guidelines. This information is also being supplied to the CFPB # XXXX, XXXX 1. Failure to investigate/reinvestigate-12+ disputes sent this year, I've asked for written proof of verification of debt ( signed original contract, documents w/sig, original/initial contract or application, as well as payment history. Debts never verified. Those inaccurate debts are to be blocked and deleted in 5 days.
A. XXXX XXXX B. XX/XX/XXXX XXXX From the both, no documentation to verify, other than 15 variations of my SS # deleted, SS deleted, 20 variations of my name, address, phone, etc.
All dates of correspondenceXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX no written verification.XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX no response.
XX/XX/XXXX XX/XX/XXXX data breach victim, no response.XX/XX/XXXX : XXXX over a year no response.XX/XX/XXXX XXXX over 2 years no response.
XX/XX/XXXX XXXX verified, but no documents provided.XX/XX/XXXX,XX/XX/XXXX XXXX no results.
XX/XX/XXXX XX/XX/XXXX, XXXX no results.
Over 30 days, 1 year, 2 years : accounts should of been deleted.
2. Disputes over 30 days to verify, submitted XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX; asking 5 day block and delete of all disputed items. Inaccurate/incomplete is not verified, as well as using the XXXX XXXX. Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the debts. I was given no written evidence of my obligation to pay these debts to those collection agencies. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to block and delete all disputed accounts, inquiries, public information, and or collection accts. with in 5 days of receiptXX/XX/XXXX.
3. Violation of FCRA guidelines, state law guidelines, as they ask for additional requirements on furnishers as well as CRAs. My intent is to seek legal counsel for monetary damages. penalties, and letter stating the accounts that are inaccurate or incomplete, shall be received in 5 days of this notice.
4. If an CRA receives information from a credit agency, collections, that the information is indeed inaccurate, they must share this information with the other CRAs to update their reports. XXXX and XXXX advised all accounts disputed were blocked and deleted from my file, as they were inaccurate and incomplete. All XXXX XXXX, XXXX XXXX, and XXXX. XXXX-2 different starting dates posted, report XXXX XX/XX/XXXXXX/XX/XXXX start, another report XX/XX/XXXX start, {$43000.00} was paid in full, as your history states only 1 late payment in XX/XX/XXXX, how could there be a repossession, when the account is paid in full, and I had the title only 1 late payment. Please block and delete. XXXX has sent me 5 different reports stating that my SS number was deleted. All XXXX XXXX XXXX deleted and blocked. Failure to provide verification of debt, along with XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX. All of those accounts are showing as opened on XX/XX/XXXX id theft and fraud. Block and delete all those accounts. Report XX/XX/XXXXAdvised you deleted variations of name, social, address, telephone number etc. all were to be deleted and are still showing on my report. I would think I know how to spell my name, address, and number ; fraud identity theft. Report # XXXX XXXX XXXX, XXXX, 1. XX/XX/XXXXXXXX XXXX removed, XXXX XXXXXXXX XXXX deleted XX/XX/XXXX, then you re-added it from a disputeXX/XX/XXXX with results projected XX/XX/XXXX; 2 years apart, fraud, inaccurate, incomplete. All of them are to be deleted and blocked byXX/XX/XXXX 2. Dispute XXXX XXXX blocked and deleted, still showing on report. DeletedXX/XX/XXXX, XX/XX/XXXX, 3. XXXX XXXX, you advised you deleted it 18 times on XX/XX/XXXX ; XX/XX/XXXX, still on report. Delete and block by XX/XX/XXXX 4.XX/XX/XXXX XXXX removed, XXXX removed, still on report. Delete and block byXX/XX/XXXX 5. XXXX XXXX was removed. Fraud/inaccurate, Delete and block by XX/XX/XXXX 6. XXXX XXXX XXXX XXXX was paid and closed, then you stateXX/XX/XXXX, XX/XX/XXXXreport # XXXX updated paid in good standing, then report # XXXXXX/XX/XXXX paid before collection. Due to inaccurate, incomplete information Block and Delete account.
7. XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, inaccurate not my accounts. Delete and block by XX/XX/XXXX 8.XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and several others ;XX/XX/XXXX XXXX XXXX all unauthorized inquires removed and blocked. No applications submitted in the last 5 years other than XXXX XXXX XXXX, which I authorized, and you supplied inaccurate, incomplete, fraudulent information from my report, Delete, block, and send an updated report to XXXX XXXX XXXX with corrections.
5. Delete and Block accounts below due to fraud/id theft/inaccurate, incomplete information. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give authorization to for anyone else to open these accounts.
FTC reports l : XXXX, XXXX, XXXX XXXX : cybercrime fraud XXXX XXXX XX/XX/XXXX cybercrime fraud Police reports fraud! identity : XX/XX/XXXXXXXX,XX/XX/XXXX XXXX, XXXX XXXX : XXXX 33 variants of XXXX , XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXXXX/XX/XXXX {$17000.00} All inquiries other than BXXXX XXXX XXXX All collections, public reports, name variations, address variations, number variations, SS variations, delete and block.
You have hereby being served a 5 day notice to delete and block all above accounts, inquiries, collections, public records ( XXXX ), by XX/XX/XXXX. All original documents with my signature shall be sent to me as well as the XXXX. The case number is above. A report of deletions are to be sent no later than than that date, along with a personal updated report, and updated FICO score.
6. Violation of FCRA Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information that a consumer has identified as theft/fraud. CRAs are to inform other bureaus of inaccurate information and those bureaus are only to report the accurate, and complete information. XXXX and XXXX are now in compliance as all negative information was removed from my account. I suggest you contact them as well, so your information is updated immediately. Section 623 ( a ) ( 2 ) Section 605B debt from identity theft/fraud are not to signed contracts, applications, etc written, original documents ) in ( 5 ) days, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the accounts referenced above. I have disputed this account information as inaccurate with ( credit bureau ), and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself andve been unable to get them to verify that this is indeed my debt.
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
2. XXXX XXXX is partnered with XXXX and XXXX XXXX. XXXX matched with both companies and it was only suppose to be a soft inquiry.
Well that wasnt the case. I hav e 2 hard inquiries and want them removed immediately. That is deceiving and they have a history of doing this repeatively. Section 623 ( a ) ( 2 ) Section 605B debt from identity theft/fraud are not to signed contracts, applications, etc written, original documents ) in ( 5
) days, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
3. XXXX Has failed to update my information and remove and block inaccurate accounts. Remove and block inaccurate information. Seeking civil payments actuary, provisions, and regulations broken with FCRA. Section 623 ( a ) ( 2 ) Section 605B debt from identity theft/fraud are not to signed contracts, applications, etc written, original documents ) in ( 5 ) days, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my are
a.
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04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the reporting of my account with XXXX XXXX XXXX XXXX XXXX Account number : XXXX ) on my credit report. I believe that XXXX XXXX XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).
According to my credit reports from XXXX and Equifax, XXXX XXXX XXXX XXXX reported that I was 30 days late on my payments in XX/XX/XXXX, even though I did not miss any payments on this account. Additionally, XXXX and Equifax are showing different balances for the same account, which is inconsistent and could lead to inaccurate credit scores. Moreover, the last reported date and the date last active are also inconsistent between the two credit reporting agencies.
Based on the above details, I believe that XXXX XXXX XXXX XXXX has violated the following provisions of the FCRA : Section 623 ( a ) ( 2 ) - Incorrect information reported to credit reporting agencies Section 623 ( b ) - Duty to correct and update information Section 623 ( a ) ( 5 ) - Inconsistent reporting to credit reporting agencies Section 607 ( b ) - Time period for reporting outdated information Section 611 ( a ) - Procedure in case of disputed accuracy Furthermore, I believe that XXXX XXXX XXXX XXXX has violated the following provisions of the TILA : Section 163 - Form of disclosure Section 166 - Administration of subchapter Section 167 - Civil liability The inaccurate reporting and inconsistencies have caused significant harm to my credit score and financial well-being. As a result, I have been denied credit opportunities and have had to pay higher interest rates and fees. This has caused me significant emotional and financial distress, making it difficult to obtain necessary loans and services.
XXXXXXXX XXXX regarding my account number XXXX. According to Equifax, XXXX XXXX reported that I was 30 days late on XX/XX/XXXX, when in fact I did not miss any payment on this account. This inaccurate reporting has had a significant impact on my life.
As a result of this inaccurate reporting, I have been denied credit and have been subject to higher interest rates and fees. This has caused me a great deal of stress and financial hardship. I have been struggling to make ends meet and provide for my family, and the inaccurate reporting by XXXX XXXX has only made things worse.
I believe that XXXXXXXX XXXX has violated Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to credit reporting agencies to provide accurate information. By reporting inaccurate information about my payment history, XXXXXXXX XXXX has not only caused me financial harm, but has also violated the law.
XXXX XXXX. According to XXXX and Equifax, I was reported as 30 days late on my account number XXXX on XX/XX/XXXX. However, I did not miss any payment on this account. Additionally, XXXX has reported that the payment status is past due 60 days, but I never received any notification from them regarding this past due 60 days account, and they never provided any paperwork with me. Furthermore, XXXX is showing the last active date as XX/XX/XXXX, but Equifax is showing it as XX/XX/XXXX.
I believe that XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, I believe that XXXX XXXX has violated : Section 623 ( a ) ( 2 ) of the FCRA, which requires furnishers of information to credit reporting agencies to provide accurate information. By reporting that I was 30 days late on XX/XX/XXXX, when I did not miss any payment on that account, XXXX XXXX may have violated this section of the law.
Section XXXX ( b ) of the FCRA, which requires furnishers of information to credit reporting agencies to correct and update inaccurate or incomplete information. Since I did not miss any payment on my account, XXXX XXXX has provided inaccurate information that needs to be corrected.
Section 623 ( a ) ( 5 ) of the FCRA, which prohibits furnishers of information to credit reporting agencies from reporting information that is not complete or that does not reflect the current status of the account. By reporting that my payment status is past due 60 days, without providing any notification or paperwork, XXXX XXXX may have violated this section of the law.
Section 607 ( b ) of the FCRA, which requires credit reporting agencies to remove outdated information from credit reports. Since the last active date on my account is different between XXXX and Equifax, one of them may be reporting outdated information.
Section 611 ( a ) of the FCRA, which requires credit reporting agencies to investigate disputes and correct inaccurate or incomplete information. I have disputed the inaccurate information that XXXX XXXX has reported, and I request that this be investigated and corrected.
Section 163 of TILA, which requires lenders to provide consumers with accurate and meaningful disclosures. I believe that XXXX XXXX has failed to provide me with accurate information regarding my account.
Section 166 of TILA, which sets forth the administration of the subchapter of the law. I believe that XXXX XXXX has not complied with the requirements of this section.
Section 167 of TILA, which provides for civil liability for violations of the law. I believe that XXXX XXXX has violated several sections of TILA, and I may be entitled to civil remedies under this section.
The inaccurate information that XXXX XXXX has reported on my credit report has had a significant impact on my life. I have been denied credit, and my credit score has suffered as a result of these errors. As a result, I have been unable to purchase a home for my family and have had to pay higher interest rates on loans and credit cards.
XXXX XXXX on my credit report. Specifically, XXXX XXXX has reported that I was 120 days late on XX/XX/XXXX on my account number XXXX, when in fact I did not miss any payments on that account. Additionally, XXXX has reported that the payment status is past due 120 days, but I never received any notification from them regarding this past due account and they never provided any paperwork with me.
I believe that XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). The specific violations are as follows : Section 623 ( a ) ( 2 ) of the FCRA requires that furnishers of information to credit reporting agencies must provide accurate information. By reporting that I was 120 days late on XX/XX/XXXX, when in fact I did not miss any payments on that account, XXXX XXXX may have violated this section of the law.
Section 623 ( b ) of the FCRA requires that furnishers of information to credit reporting agencies must correct and update any inaccurate information. As the information reported by XXXX XXXX is inaccurate, they have violated this section of the law.
Section 623 ( a ) ( 5 ) of the FCRA requires that furnishers of information to credit reporting agencies must not report information that is inconsistent with the information they have provided to the consumer. As XXXX XXXX has reported information that is inconsistent with my payment history, they have violated this section of the law.
Section 607 ( b ) of the FCRA requires that negative information, such as late payments, can only be reported for a specific time period. As the information reported by XXXX XXXX is outdated, they have violated this section of the law.
Section 611 ( a ) of the FCRA requires that consumers have the right to dispute inaccurate information on their credit report. As I am disputing the accuracy of the information being reported by XXXX XXXX, they must investigate and correct any inaccurate information.
Section 163 of the TILA requires that creditors must provide a clear and conspicuous disclosure of the terms and conditions of a credit account. XXXX XXXX XXXX have violated this section of the law by not providing me with clear and conspicuous disclosures.
Section 166 of the TILA requires that creditors must comply with the provisions of the subchapter, including providing accurate information to credit reporting agencies. As XXXX XXXX has reported inaccurate information to credit reporting agencies, they have violated this section of the law.
Section 167 of the TILA provides for civil liability for creditors who violate the provisions of the subchapter. As XXXX XXXX may have violated several provisions of the TILA, they may be liable for civil damages.
This inaccurate credit reporting has had a significant negative impact on my life. The false late payment and past due status has resulted in my credit score being lowered, which has made it difficult for me to obtain credit and loans at reasonable interest rates. This has prevented me from making important purchases and has caused me significant financial stress and hardship.
XXXX XXXX XXXX. According to XXXX, the payment status is listed as " charge off, '' but I have never received any notification regarding this charge off account. Additionally, XXXX reported a high credit of {$5000.00}, but Equifax did not report any such information. Other bureaus also did not report any negative information on my account.
I believe that XXXX XXXXXXXX XXXX has violated the following laws : Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) - Time period for reporting outdated information Section 623 ( a ) ( 2 ) of the FCRA - Incorrect information reported to credit reporting agencies Section 623 ( b ) of the FCRA - Duty to correct and update information The inaccurate reporting by XXXX XXXX XXXX has greatly affected my life. I have been denied credit and loans, and my interest rates have been significantly higher due to the negative information on my credit report. This has made it difficult for me to obtain basic necessities, such as a car or a home.
I request that XXXX XXXX XXXX remove these unverified accounts from my credit report immediately. I urge you to enforce the legal violations committed by XXXX XXXX XXXX and take necessary action to prevent this from happening to other consumers.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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After numerous attempts to have fraudulent information deleted from my credit bureau, I have requested XXXX XXXX XXXX to delete their account from my credit bureau due to inaccuracies they allege are civil.
After submitting a complaint a generic response was sent back by XXXX that provided absolutely no factual information nor any valid defense to their decision to remain " unchanged '' as they stated on their decision to falsely report information against me that was the result of credit card fraud and identity theft.
XXXX XXXX is engaging in a tactic using generic responses without actually providing proof they have investigated my claim as well as submitting information based on how they " feel '' not what is based on fact or law. They have routinely denied my claim for this account to be removed from my credit even when presented with copies of the police report that document the fact I am the victim of fraud and identity theft and even provided them the name of the person who is the theif. Their response is that they " feel '' the complaint is civil as the person involved is an ex-girlfriend but they fail to examine the actual laws that govern this case and prove this is not civil nor that how they " feel '' can suddenly make the case a civil case simply because they do not wish to actually charge off an account due to this criminal activity and instead have openly and incorrectly demanded I collect the money myself. This is now how the legal system works and XXXX XXXX is not immune to the consequences of violating the Fair Credit Billing Act or the fact that at least 4 state statutes in North Carolina directly define my situation as criminal fraud as well as two Federal Statutes.
XXXX XXXX is not investigating in good faith or they would be able to see within minutes that the following statutes cover my case of being the victim of fraud and have no legal standing to push off my case as " civil ''.
Lastly, XXXX is making inaccurate statements that they are attributing to me in their investigation that I never made. XXXX is stating I claim this person " handled my finances '' which is not true, XXXX has claimed in the past that I gave this person permission to use my cards, which is also false, and most recently XXXX has made the allegation that this account is a civil matter due to my request to " pay me back '' the stolen funds, which is also untrue. I have never asked her to pay me, I instructed that she payoff the stolen cards, or face criminal charges, which is exactly what has occurred. XXXX has submitted falsified information as part of their " investigation '' in this case which they never gathered from me, but somehow found this information in their report as if I was even spoken to about this complaint. XXXX has not spoken to me regarding this fraudulent activity since the initial filing almost two years ago and has not validated anything they reported on that investigation. They then continue to use this same misinformation and use statements against me that I never made as proof of their results of the investigation, yet refuse to take actual signed affidavit 's of fraud which I offered to them the day I filed the claim. XXXX is falsifying information and relying on fundamentally faulty information which is counter to the law. So, to provide proof once again XXXX is wrong in their claim of this being a " civil '' matter I am attaching all relevant statutes, both state and Federal, which directly contradict statements made by XXXX XXXX.
The following State of North Carolina Statutes define the charges made by the ex on my credit card as fraud : 14-113.9. Financial transaction card theft. ( a ) A person is guilty of financial transaction card theft when the person does any of the following : ( 1 ) Takes, obtains or withholds a financial transaction card from the person, possession, custody or control of another without the cardholder 's consent and with the intent to use it ; or who, with knowledge that it has been so taken, obtained or withheld, receives the financial transaction card with intent to use it or to sell it, or to transfer it to a person other than the issuer or the cardholder 14-113.13. Financial transaction card fraud. ( a ) A person is guilty of financial transaction card fraud when, with intent to defraud the issuer, a person or organization providing money, goods, services or anything else of value, or any another person, he ( 1 ) Uses for the purpose of obtaining money, goods, services or anything else of value a financial transaction card obtained or retained, or which was received with knowledge that it was obtained or retained, in violation of G.S. 14-113.9 or 14-113.11 or a financial transaction card which he knows is forged, altered, expired, revoked or was obtained as a result of a fraudulent application in violation of G.S. 14-113.13 ( c ) ; or ( 2 ) Obtains money, goods, services, or anything else of value by : a. Representing without the consent of the cardholder that he is the holder of a specified card ; or b. Presenting the financial transaction card without the authorization or permission of the cardholder ; or c. Representing that he is the holder of a card and such card has not in fact been issued ; or d. Using a financial transaction card to knowingly and willfully exceed : 1. The actual balance of a demand deposit account or time deposit account ; or 2. An authorized credit line in an amount which exceeds such authorized credit line in the amount of XXXX XXXX dollars ( {$500.00} ), or fifty percent ( 50 % ) of such authorized credit line, whichever is greater ; or ( 3 ) Obtains control over a financial transaction card as security for debt ; or ( 4 ) Deposits into his account or any account, by means of an automated banking device, a false, fictitious, forged, altered or counterfeit check, draft, money order, or any other such document not his lawful or legal property ; or ( 5 ) Receives money, goods, services or anything else of value as a result of a false, fictitious, forged, altered, or counterfeit check, draft, money order or any other such document having been deposited into an account via an automated banking device, knowing at the time of receipt of the money, goods, services, or item of value that the document so deposited was false, fictitious, forged, altered or counterfeit or that the above deposited item was not his lawful or legal property 14-113.11. Forgery of financial transaction card. ( a ) A person is guilty of financial transaction card forgery when : ( 2 ) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely encodes, duplicates or alters existing encoded information on a financial transaction card or utters such a financial transaction card ; 14-113.15. Criminal receipt of goods and services fraudulently obtained. A person is guilty of criminally receiving goods and services fraudulently obtained when he receives money, goods, services or anything else of value obtained in violation of G.S. 14-113.13 ( a ) with the knowledge or belief that the same were obtained in violation of G.S. 14-113.13 ( a ). Conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S. 14-113.17 ( a ) if the value of all the money, goods, services and anything else of value, obtained in violation of this section, does not exceed five hundred dollars ( {$500.00} ) in any six-month period ; conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S . 14-113.17 ( b ) if such value exceeds XXXX XXXX dollars ( {$500.00} ) in any six-month period. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1. ) 14-113.17. Punishment and penalties. ( b ) A crime punishable under this Article is punishable as a Class I felony. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1 ; c. 760, s. 5 ; 1993, c. 539, ss. 55, 1183 ; 1994, Ex. Sess., c. 24, s. 14 ( c ). The Federal Statutes which also confirm the actions against me as criminal fraud are as follows : 15 U.S.C. 1644 - U.S. Code - Unannotated Title 15. Commerce and Trade 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( d ) Receipt, concealment, etc., of goods obtained by use of card Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value ( except tickets for interstate or foreign transportation ) which ( 1 ) within any one-year period has a value aggregating {$1000.00} or more, ( 2 ) has moved in or is part of, or which constitutes interstate or foreign commerce, and ( 3 ) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card ; or ( f ) Furnishing of money, etc., through use of card Whoever in a transaction affecting interstate or foreign commerce furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating {$1000.00} or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both Because these charges were made by someone without my knowledge and without my permission and criminal felony charges were taken out, my account is covered under the legal definition of fraudulent activity and must be deleted under the Chase guarantee of zero fraud guarantee protection. Any attempt to call this civil is a direct violation of my rights under the Federal protection of the Fair Credit Billing Act as well as the North Carolina General Statutes.
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08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Amount Owed {$440.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Paid off Date N/A Closed Date N/A Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureau 's Notice to Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies.
This negative mark is damaging my credit. Please promptly contact XXXX, XXXX, and Equifax ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.
Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
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02/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am having a very hard time with getting some negative credit entries corrected on old, closed accounts with XXXX. I had loans, originally serviced by XXXX XXXX, that were transferred to XXXX in XX/XX/XXXX when the split occurred. Shortly after, I went ahead and consolidated over to a new lender in XX/XX/XXXX and closed out these lines ; these loans have been paid off, in full, and " closed '' with XXXX. Since this time, I've had to constantly battle for XXXX to correct balances, correct deferments, and i'm at a point now where I am just not getting the proper responses, requested materials, or investigations done for my disputes in a timely fashion or to the full capacity of which im requesting. As of now, I find that the delinquent remarks are fraudulent since I am being denied proof of the validity. I have tried by phone, email, and through Credit Bureau Dispute to challenge the incorrect late payment history that XXXX continues to report these derogatory payments without providing me with my requested validation and verification. In addition, the balances, delinquencies, and information reported among all 3 bureaus is NOT consistent on these trade lines and I've asked this to be fixed multiple times.
Currently, my Credit reports have 19 individual student loan trade-lines, representing all loans disbursed by XXXX XXXX & later XXXX. On each of these 19 trade-lines, XXXX is reporting 5 - 120-day Delinquencies and 3 - 90-day delinquencies. I feel that hypothetically, my credit report really should be " penalized '' only for 8 delinquencies, while FICO is translating each tradeline separately as its own debt. So in reality, my credit report is showing instead a total of 8 delinquencies/missed payments on 19 trade lines translating to a total of 152 delinquencies/missed payments against my credit. The entire length of my relationship with XXXX XXXX lasted for about 5 years, yet I have enough delinquency on my credit from them to equate to me not paying accounts for a total of almost 12 years. XXXX I am at a point now where I am applying for a mortgage but am being met with the obstacle of redundant, late payments that were reported from XXXX - and there is nothing further I can do it seems in terms of getting assistance from them. In addition, most of the delinquencies in question are from the originating loan servicer that is no longer involved, XXXX XXXX ; XXXX refuses to change anything I've disputed from XXXX XXXX while at the same time also refusing to provide me with the supporting documents they have from them showing these reports to be in fact valid. I contacted XXXX XXXX and they disclosed they no longer hold records of my loans. I am continually being denied my disputes while the company continues to speak for XXXX XXXX and not provide me with the supporting information to back any of it. XXXX took over XXXX XXXX as of XX/XX/XXXX - and most if not all of the discrepancies i have precede this date and fall on the responsibility of XXXX Me to verify, not XXXX. Based on the dates of delinquency, I am in firm belief that the 6 month stretch of delinquencies was a result of the transition to XXXX from XXXX XXXX. Ironically, these " delinquencies '' appear for the 6 months preceding XXXX 's takeover in XX/XX/XXXX and stop once XXXX is servicing the loans in Fall of XX/XX/XXXX.
The number of derogatory payments being reported are causing denials in any application for loans, mortgages, and low interest credit lines. I would like to express that I honestly, do not feel that my credit history reported by is truly reflecting the billing/accounting relationship I had with them. The method in which delinquency remarks are applied on my credit report do not represent how the loan payments were ever billed, paid, or collected. While yes, all of these loans were disbursed at different times at various semesters, they nonetheless were arranged to all bill, and post payments to one combined bill from XXXX under account # XXXX. If XXXX is billing me for all loans and ask that I pay one payment directly to one account number, then it should in no way justifiable to penalize me as if I failed to pay a large number of separate, isolated items when it really was just 1 account, all billed through XXXX under one account number. And nonetheless, XXXX 's report of 1 delinquency continues to multiply by 19 trade lines every time they make negative changes, dropping my score sometimes pretty significantly.
I contacted XXXX customer care and asked for a full copy of any all account history, deferments, forbearance notices, delinquency notices, and statements, mail-outs, etc. This was a few months back, and at that time was told that since this was between 4-5 years ago, and the loans were originated from XXXX XXXX and now closed/consolidated and they no longer have access or the ability to pull any statements/records to fulfill my request. I was however, able to retrieve very old emails I saved from XXXX XXXX, and XXXX from this time frame, showing that I in fact was in Forbearance for most if not all the dates listed.
The dates reported negative which I request full validation and verification of and its statements are as follows : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -- -XX/XX/XXXX - I am in possession of email from XXXX, sent XX/XX/XXXX which explains that my loans were at that time CURRENTLY in forbearance and was set to end on XX/XX/XXXX and repayment will begin. Since this email supports with high probability that I was in forbearance on the month they report as 90-days delinquent, which is less than 2 months prior, XX/XX/XXXX, I ask that it be removed/adjusted, or if chosen to be kept on the reports, to have the debt validated and I be provided with the paperwork for any and all the forbearance requests and their dates of execution, and the statement for these months in question to compare for accuracy. It now reports 90-days late and does not seem accurate to documents and correspondence I have provided of that time. This email I have clearly indicates I would have been in some type of deferment during this time frame as they are only months apart, and before repayment. NSLDS.gov also reports that XXXX XXXX placed me in a forbearance ( which I do not recall even asking for or have record of ) on XX/XX/XXXX. Using this information, even then this would not allow for a 90-day late remark, as XX/XX/XXXX was less than 90-days from the confirmed START of the forbearance listed in NSLDS. Please remove the delinquency reported on XX/XX/XXXX as documentation supports I was already in forbearance at that time.
XX/XX/XXXX-In possession of email with conversation with rep XXXX XXXX ( XXXX ) that was sent on XX/XX/XXXX. The email is a request for confirmation on if I would like to CONTINUE my forbearance for an additional 3 months. I also have my reply confirmation, on XX/XX/XXXX, permitting the forbearance sent to XXXX. XX/XX/XXXX however, is reported as 90-days delinquent. Being that I confirmed and executed forbearance in XX/XX/XXXX, this month should have been reported as current as well. The email also indicates to " continue '' forbearance for another 3 months, which leaves evidence that I was currently in a forbearance at the time. ( leaving the 90 day delinquency inaccurate for XX/XX/XXXX ) XX/XX/XXXX-XX/XX/XXXX - I submitted a request for a goodwill adjustment on this date with XXXX, as I was going through a hard time with some personal issues during this period and believed they may have overlooked my email or are still investigating this stretch of time. I did however, upon looking in my email history, find some evidence that forces me to also have these months validated and verified. For the date range in question, I have emails supporting the possibility that I was in forbearance for all, or a portion of this 6-month stretch. On XX/XX/XXXX, I received a forbearance extension confirmation from XXXX XXXX ( XXXX ) to confirm if I wished to continue and add 3 months to my forbearance. In seeing this, I question the validity of the 120 day delinquencies reported for prior 90 days of XX/XX/XXXX-XX/XX/XXXX. Additionally, going backward in my inbox, I found an email from XXXX dated XX/XX/XXXX asking me to log in to view my new documents ( presumably a forbearance document ). Unfortunately due to the loss of XXXX XXXX as the servicer, I can not log in nor get any information when calling them on this matter to do my own validation and verification. And going back 90 days before, in XX/XX/XXXX, I received another email on XX/XX/XXXX from XXXX asking me to log in and look at my new documents. Again, I can not access and retrieve so can not verify its contents..
Based on the information above, and my extreme exhaustion with trying to resolve this myself with no luck, please advise on what I can do to get this resolved. It seems as of now, I am the only party of the two involved who can furnish the most hard-copied proof of the fact I was in forbearance during these times.
I filed disuputes approx. 3 months ago via XXXX with bureaus, as well as emailed the XXXX Customer Advocate, and tried by phone. I get no answers to my questions and not one person has been able to provide me with legitimate, hard copy proof of the delinquincies they are reporting.
At this point, I have an amazing payment history and credit reputation with my creditors and should be reaching a high credit score. However, no matter how hard I continue to work to rebuild and increase the score, I've hit a wall with the incorrect, redundant entries by XXXX significantly pulling my score down. I would understand if these were active loans that I was continuting to pay on, but I don't understand why XXXX is giving me such the run-around on changing information that dates to before their time servicing my loans, especially being in a closed/paid off status. I'm merely asking for an adjustment of old information to reflect the correct status of delinquencies, if any. I am confident that ideally these trade lines should actually reflect paid on time as I have proof via email of being in a consistent forbearance through to consolidation for most of the account life, leaving no valid delinquencies.
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11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
This dispute is in response to CFPB Complaint Number : XXXX, that was prematurely closed. Instead of addressing my concerns from the original complaint, the company attempted to sell me on the idea that the information that they provided via mail addressed the concerns from this complaint. However, this is grossly inaccurate. While they did address a few concerns, in regards to removing a FEW of the inaccurate previous addresses listed on my report, Equifax failed to validate the late payments and failed to even refute the evidence that I provided within this CFPB Complaint, XXXX, illuminating the errors on their end. The information is inaccurate and I am still awaiting them to delete the remaining addresses that do not conform to the address on my Driver 's license, and more importantly the DELETE the negative accounts from my credit report. In addition to compliance with this dispute, I would like {$1000.00} compensation for a multitude of FCRA violations for each issue listed below. Please note that if the issues are not addressed and completed to my satisfaction, I intend to sue under FCRA violations.
Below I have listed the specifics of your FCRA infractions and Demand Retribution immediately! To identify Account numbers addressed in the dispute below, Please use the Accounts # s provided in the 3B Credit Report!!!!
1 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
2 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
3 ) Dept of Ed/XXXX - Account # XXXX A ) Again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
4 ) Dept of Ed/XXXX - Account # XXXX A ) Again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
XXXX ) Dept of Ed/XXXX - Account # XXXX A ) And yet again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
6 ) Dept of Ed/XXXX - Account # XXXX A ) In a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately.
7 ) Dept of Ed/XXXX - Account # XXXX A ) Yet again, as captured in a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately.
8 ) Dept of Ed/XXXX - Account # XXXX A ) Yet again, as captured in a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately.
9 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
10 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
11 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
C ) The high balance listed for this account is {$380000.00}, which is 10,000 % higher than the true balance. Both XXXX XXXX & XXXX have captured the true high balance amount of {$3800.00}, yet you insist on reporting inaccurate information. This is yet another example of RECKLESS reporting that warrants PUNITIVE DAMAGES. As I'm sure you're aware, the negative reporting in conjunction with the reported high balance causes significant damage to my report. Again, stop guessing, and delete this account from my consumer report.
12 ) Apart from my dispute, you were told to remove all hard inquiries from my account that did not contain my signature. You completely glossed over this request, despite me indicating to you that fraud protection and account suppression needed to be added to my account. Please take this time to remove them all from my consumer report.
13 ) Addresses reported : You still have several addresses listed on my report. Delete them all, except for the one I provided to you in my original dispute. Enough shenanigans. Fix this crud for once and for all.
|
11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
This dispute is in response to CFPB Complaint Number : XXXX, that was prematurely closed. Instead of addressing my concerns from the original complaint, the company attempted to sell me on the idea that the information that they provided via mail addressed the concerns from this complaint. However, this is grossly inaccurate. While they did address a few concerns, in regards to removing a FEW of the inaccurate previous addresses listed on my report, Equifax failed to validate the late payments and failed to even refute the evidence that I provided within this CFPB Complaint, XXXX, illuminating the errors on their end. The information is inaccurate and I am still awaiting them to delete the remaining addresses that do not conform to the address on my Driver 's license, and more importantly the DELETE the negative accounts from my credit report. In addition to compliance with this dispute, I would like {$1000.00} compensation for a multitude of FCRA violations for each issue listed below. Please note that if the issues are not addressed and completed to my satisfaction, I intend to sue under FCRA violations.
Below I have listed the specifics of your FCRA infractions and Demand Retribution immediately! To identify Account numbers addressed in the dispute below, Please use the Accounts # s provided in the 3B Credit Report!!!!
1 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
2 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
3 ) Dept of Ed/XXXX - Account # XXXX A ) Again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
4 ) Dept of Ed/XXXX - Account # XXXX A ) Again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
5 ) Dept of Ed/XXXX - Account # XXXX A ) And yet again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
6 ) Dept of Ed/XXXX - Account # XXXX A ) In a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately.
7 ) Dept of Ed/XXXX - Account # XXXX A ) Yet again, as captured in a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately.
8 ) Dept of Ed/XXXX - Account # XXXX A ) Yet again, as captured in a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately.
9 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
10 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
11 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report.
B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record.
C ) The high balance listed for this account is {$380000.00}, which is 10,000 % higher than the true balance. Both XXXX XXXX & XXXX have captured the true high balance amount of {$3800.00}, yet you insist on reporting inaccurate information. This is yet another example of RECKLESS reporting that warrants PUNITIVE DAMAGES. As I'm sure you're aware, the negative reporting in conjunction with the reported high balance causes significant damage to my report. Again, stop guessing, and delete this account from my consumer report.
12 ) Apart from my dispute, you were told to remove all hard inquiries from my account that did not contain my signature. You completely glossed over this request, despite me indicating to you that fraud protection and account suppression needed to be added to my account. Please take this time to remove them all from my consumer report.
13 ) Addresses reported : You still have several addresses listed on my report. Delete them all, except for the one I provided to you in my original dispute. Enough shenanigans. Fix this crud for once and for all.
|
12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing Equifax for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page. And remove unverified Bankruptcy.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.And remove unverified Bankruptcy.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.And remove unverified Bankruptcy.
I look forward to your response.
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiries that do not belong to me and I had no knowledge of Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party.
I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXX XXXX with Account # XXXX for a debt owed of {$6300.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
XXXX XXXX XX/XX/2020 XXXX-XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX/XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consu
mer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include
( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
|
07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party.
I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXX XXXX with Account # XXXX for a debt owed of {$5100.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
XXXX XXXX XX/XX/2020 XXXX-XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX/XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agen
cies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to
transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on
or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
I decided to contact each creditor to get debts verified and to ensure everyone is reporting accurate. Here are my findings. You have incorrectly reported account information on my credit report, and I demand they be deleted after being reported incorrectly for three years and being told they were veried and reporting accurately by date furnish. There is no way all three credit reports are right and are using the same date furnisher.
Remove XXXX from XXXX report for inaccuracy. XXXX account was sent to a third- party debt collection law firm in XX/XX/XXXX. This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. XXXX is still trying to collect debt through original creditor ( proof attached ) and unknown third-party collection agency. I was never notified that the original debt was sold to another debt collection agency or has the unknown debt collector notified me. XXXX is showing XXXX late payments. In XXXX responds they disclosed how many days the account was past due. ( attached ) PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
Remove XXXX from XXXX report for inaccuracy. Discharged in Bankruptcy XXXX XXXX balance should be XXXX. In XXXX responds they say that I owe XXXX. XXXX reports {$1800.00}. Equifax reports {$1800.00}. Per XXXX reports ( attached below ) say an agreement was reached was XXXX bi -weekly payments of {$110.00} which equals up to {$4600.00}. They also stated that I have paid {$2800.00} towards this balance. This will make my balance be XXXX. They also stated that no late fees were assessed for this account. Balance incorrect. XXXX LATE PAYMENTS. Also, XXXX sent this debt to a third- party debt collection law firm in XX/XX/XXXX. This debt was XXXX in Bankruptcy XXXX XXXX XX/XX/XXXX. XXXX is still trying to collect debt through original creditor ( proof attached ) and unknown third-party collection agency. I was never notified that the original debt was sold to another debt collection agency or has the unknown debt collector notified me. XXXX is showing XXXX late payments. This is incorrect. In XXXX responds they disclosed how many days the account was past due. ( attached ) PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
Remove XXXX from Equifax report for inaccuracy. XXXX in Bankruptcy XXXX XXXX balance should be XXXX. In XXXX responds they say that I owe XXXX. XXXX reports {$1800.00}. Equifax reports {$1800.00}. Per XXXX reports ( attached below ) say an agreement was reached was XXXX bi -weekly payments of {$110.00} which equals up to {$4600.00}. They also stated that I have paid {$2800.00} towards this balance. This will make my balance be XXXX. They also stated that no late fees were assessed for this account. XXXX XXXX. XXXX LATE PAYMENTS. Also, XXXX sent this debt to a third- party debt collection law firm in XX/XX/XXXX. This debt was XXXX in Bankruptcy XXXX XXXX XX/XX/XXXX. XXXX is still trying to collect debt through original creditor ( proof attached ) and unknown third-party collection agency. I was never notified that the original debt was sold to another debt collection agency or has the unknown debt collector has notified me. Equifax is showing 8 late payments. In XXXX responds they disclosed how many days the account was past due. ( attached ) PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX XXXX XXXX Per responds from XXXX ( attached ) they were not able to locate or verify an account in my name from XXXX XXXX PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX responds from XXXX ( attached ) they were not able to locate or verify an account in my name from XXXX XXXX PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
SELF LENDER- ( XXXX ) Per responds from XXXX XXXX ( respondent attached ) they stated the last payment was made XX/XX/XXXX but my XXXX states that my last payment was made XX/XX/XXXX. Per responds XXXX XXXX stated that they applied {$400.00} to my {$450.00} outstanding balance. Which should leave me with a balance of {$58.00}. XXXX has also sent a balance statement ( attached ) that shows that there were not any late fees added to this account and the balance they are reporting is incorrect. Also, XXXX has stated in their response that I have a remaining balance of {$120.00}. My XXXX shows I have a balance of {$120.00}. XXXX shows 3 late payments. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
SELF LENDER- ( XXXX ) Per responds from XXXX XXXX ( respondent attached ) they stated the last payment was made XX/XX/XXXX but my XXXX states that my last payment was made XX/XX/XXXX. Per responds XXXX XXXX stated that they applied {$400.00} to my {$450.00} outstanding balance. Which should leave me with a balance of {$58.00}. XXXX has also sent a balance statement ( attached ) that shows that there were not any late fees added to this account and the balance they are reporting is incorrect. Also, XXXX has stated in their response that I have a remaining balance of {$120.00}. My Experian shows I have a balance of $ XXXX is showing 6 late payments. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
SELF LENDER- ( Equifax XXXX XXXX responds from XXXX XXXX ( respondent attached ) they stated the last payment was made XX/XX/XXXX but my Equifax states that my last payment was made XX/XX/XXXX. Per responds XXXX XXXX stated that they applied {$400.00} to my {$450.00} outstanding balance. Which should leave me with a balance of {$58.00}. XXXX has also sent a balance statement ( attached ) that shows that there were not any late fees added to this account and the balance they are reporting is incorrect. Also, XXXX has stated in their response that I have a remaining balance of {$120.00}. My Equifax shows I have a balance of {$120.00}. XXXX is showing XXXX late payments. The first late payment showing is XX/XX/XXXX but under my delinquency history it shows that my first delinquent date was XX/XX/XXXX. How could this be? PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX ( XXXX ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is inccorect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. XXXX is reporting XXXX late payments. According to the XXXX XXXX XXXX statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX ( Equifax ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My Equifax shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my Equifax it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. Equifax is reporting XXXX late payments. According to the XXXX XXXX XXXX statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and Equifax is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX ( XXXX ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. XXXX is reporting XXXX late payments. This account was charged off XX/XX/XXXX, which is stated in letter attached. XXXX is still reporting late payments after XX/XX/XXXX. According to the XXXX XXXX XXXX statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX ( XXXX ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and XXXX XXXX that shows the last payment was made on XX/XX/XXXX. XXXX is reporting XXXX late payments. According to the XXXX XXXX XXXX statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment History Statement Account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX ( XXXX ) XXXX is reporting XXXX late payments. Equifax is reporting XXXX late payments. XXXX shows this debt as a charge off which means the balance is incorrect. There no way you both can be right when you are getting your information from the same place. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX ( Equifax ) Equifax is reporting XXXX late payments. XXXX is reporting XXXX late payments. XXXX shows this account charged off. {$1600.00} written off. This means the balance is incorrect. There no way you both can be right when you are getting your information from the same place. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
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10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Social Security Number : XXXX NC Driver License : XXXX XXXX XXXX XXXX has perjured itself directly by responding to valid disputes and complaints with false and misleading information. In doing so, I feel they have deprived me of my rights to due process because every time they falsify their responses to mislead the Federal Government into believing that the response whether it be an action or statement, believing it to be accurate, complete, and most of all FAIR.
According to the Fair Credit Reporting Act, any information that the furnisher provides to the credit bureaus, reports to an individual 's credit report, and responses to disputes and complaints must be accurate, complete, and most of all FAIR.
Over time, XXXX XXXX XXXX had posted two debts onto my credit report since they are a collection company and collect for many medical facilities. And throughout disputing what I felt like was miscorrect information, or inaccurate, or just in the case for validation of the accounts, they are trying to collect from me now for several years. During this time, and after many many disputes just to get accurate validation of what I was paying for, anything, just tell me something I am being reported on my credit for so I will know what I am paying for. For years, this company has not, never once provided me with what am I paying for. XXXX XXXX XXXX is the furnisher, always has been the furnisher, and always has been the owner of the supposedly bad debts that have been reported onto my credit file for years so that is who I have directly disputing and requesting and complaining to all the credit bureaus about and complaining to XXXX XXXX XXXX.
Not once has this validation occurred. For years I have suffered due to this reporting on my report. And for a very long time, I have been complaining and disputing this fact and always, ALWAYS, the three credit bureaus sent me back their responses as the furnisher validated the account for accuracy but never once actually responded to the specific dispute or complaint which is what amIi paying for. Show me something and I never received anything the Fair Credit Reporting Act says that this collaboration between consumers, creditors collectors, Consumer Finance Protection Board, FTC, and anyone allowed by law to review or share my credit info, with regards to data being reported against me on credit files must be Fair, Accurate, and Complete.
To not ever answer disputes as outlined above is simply not FAIR. It's not fair to me to have to beg for an answer and years be ignored with the same reply from the credit bureaus. What makes it even worse, is that I find out later on that XXXX XXXX XXXX never had the validation information according to their response to the Consumer Finance Protection Board reply they submitted just a few weeks ago, when directed to provide that information to the CFPB, they stated they would have to get with their client and have their client send it to me.
To date, I have not received anything. So now we are going on 4 years and I find out essentially that all three credit bureaus have been lying because they said they investigated each dispute and verified the dispute to be accurate along with information given to them by their customer XXXX XXXX XXXX. So now that we have that established, I continue to dispute for various reasons that I feel are justified and then I receive a letter in the mail from XXXX XXXX XXXX and they made a statement to coerce me, threaten me, scare me, intimidate me, and referenced laws that do not exist to halt me from disputing those very items that I felt just, especially after I found out that everyone has been lying after all these years because once the CFPB got involved, XXXX XXXX XXXX didn't even have the information to send them and that they would " get with their client ''.
I ask why didn't they get with their client years ago, why have I had to suffer all these years and spend hours and hours each day tiring to keep up with it to protect my credit file. I have over XXXX accounts right now with a 100 % payment history. I have a stellar rating on my credit report and minus one or two issues like this, for example, I have perfect credit in my opinion.
So to spend hours and hours each day, trying to learn and figure out a way to get this company to provide me faith r, honest, accurate, and complete information should not be that hard- but it has never been accomplished. Once I knew there was deception and inaccuracies and dishonesty with regards to investigations, etc. I continued to file disputes as it is my right and not once have I threatened anyone with harm, cursed at anyone, I have only asked for validation of these accounts if I owe them, so I can pay them. Never has that been done. And at this point, I refuse for XXXX XXXX XXXX to provide anything to me because in my opinion it would be possibly fabricated and falsified and their behavior and actions have proven that to be more likely or not because they've had 5 years to accomplish this. So not the situation has gotten worse.
I am writing this complaint because it has taken on a whole new face to this collaboration with XXXX XXXX XXXX where they are not falsifying their responses to disputes with the Federal Agency Consumer Finance Protection Board not only once, twice, but many many times. They have made it clear that they are going to do what they want to do and how they want to do it time and time again stemming back to the conception of these two bad medical accounts they have been attempting to collect from me and this is scary. This is very concerning that this may be going on with many others like myself who don't know how to make it to this point. I've been treading water for a very long time trying to breathe and stay above water with my credit file and not drown directly due to the actions of XXXX XXXX XXXX.
I have been denied credit time and time again, and it's affected me where I have not been able to sleep for months, loss of work, sadness, and nightmares when I do sleep because my credit is very important to me but I '' m not going to pay a bill that I DONT EVEN HAVE THE REASON IM PAYING THE BILL AND WHAT DID I RECEIVE FOR PAYING AN AMOUNT that it seems like to me they pulled out of the sky. I don't know what else to do. My rights have been violated, I can't even complete a dispute now with due process cut off at the major artery. I have no one else to complain to. The credit bureaus won't read this and take action on this.
And to make matters, even more, worse, XXXX XXXX XXXX sent me paperwork in the mail recently and it had my, doctors, names and service filed right there for anyone to see, although the service fee was XXXXX out, you can still see there was data underneath those X 's and now that whole collection agency has to know what services I received and now the doctors that performed it and they don't even own the hospital so it can't even be a mistake that only the name of the facility is to be provided to the collection and other basic information, but not the specific doctors names and service that someone X 'd out. You cant determine what type of medical treatment someone receives sometimes by researching the doctor 's name. This is so embarrassing!
And it was on their paperwork so they had access to that and were able to view that at some point. I feel XXXX. I feel sick to my stomach. I can't even breathe it makes me so upset and disgusted that this collection agency can destroy my life and destroy everything that I've worked hard to succeed in and their actions have made my life XXXX because I do not have the time to deal with this XXXX every single day and disputing valid issues for them to tell me, and the CFPD what they are going to do and not do, who are these people, over {$1100.00} in medical bills they have continued to destroy me and I feel near death. I'm writing this for help. I don't know what else to do. I can't afford attorneys but I will try and see what I can do.
And with the latest of them sending me letters with my doctor 's names on them and everything they have not violated HIPPA rules and have retained, received, gathered, or given my XXXX XXXX XXXX information by someone, and that only entity could be ECEP, XXXX PA, the group apparently that provides Surgeons to Novant Hospitals where supposedly I went for an emergency years ago.
But I '' ve complained to CFPB about XXXX, XXXX PA, but have never gotten a response back from them about any of this, and XXXX XXXX, PA was providing services to XXXX XXXX at the time I went in for XXXX so the company XXXX hired to perform services on me hired this collection agency XXXX XXXX XXXX to collect from me two bad debts but has destroyed my life.
I can't eat, I'm drained and exhauted all day to lack of sleep, and trying every day to keep my credit in the best shape possible but this XXXX XXXX XXXX have succeeded in absolutely destroying my life with their unethical behavior, criminal behavior, and could care less that they have violated state laws and federal laws and have tried to cover it up since they wrote me that damning letter threatenng me to stop disputing them and was is funny out of this whole situiaton is I submitted that complaint over XXXX weeks ago and they have not once said they were sorry, not once have they acknoledged that damning letter they sent me and the laws they broke therein, they have worked effortsly to conceal the fact they they arent responsding or answering to my compalint regardint that letter by falsigying the responses in the internal portal system managed by the CFPB becasue tthey are requried to repond, timely requiremrents, but have perjured themseles XXXX knows how many times by even my complaint was a duplicate time and time of antoher complaint and that complant would be about something completely differrnet but no one notices it, through all the complaints, XXXX XXXX XXXX has proven to me that they run things how they wan na run it and so now I submit this to you and I hope that I get resolve out of this before it drives to emtional death because my credit is all i have.
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05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
US DEPT ED XXXX Has violated my legal rights for these reasons.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
DEPTEDXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
US DEPT ED XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
US DEPT ED XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
DEPTEDXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
DEPTEDXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
US DEPT ED XXXX 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
US DEPT ED XXXX 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
DEPTEDXXXX XXXX15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate DEPTEDXXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. The accounts listed did not have my instructed written permission.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
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02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Equifax still hasnt removed the accounts that are associated with Fraud I have sent over a state. Attorney Generals report a CFPBcomplaint a XXXX complaint a XXXX XXXX XXXX XXXX XXXX complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts. This is the information which is fraudulently being reported by all three of the major credit reporting agencies I have filed to FTC reports to XXXX reports a state attorney general report containing all of the fraudulent things that are on my consumer report as you will see here Ive detailed the misspellings of my name multiple times with XXXX, ( Equifax ) and XXXX XXXX. You will also see inside of this report as well as all of the fraudulent addresses that are on my consumer report. I have reached out to them multiple times asking them to clarify I had to look into and ( validate ) and verify all of the things that are fraudulently on my consumer report but these credit reporting agencys continuously, keep reporting they violate my rights they use my ( Social Security ) number they report things without permissible purpose they violate my privacy. Here is all of the things in which has been reported on my consumer report by XXXX first, you will see then XXXX XXXX, then Equifax, all of the fraudulent accounts that are negative that were committed by criminals or possibly through continuing data breaches ocurring At XXXXEQUIFAX and are on my Consumer Reports. Under the FCRA 15 U.S.C 1681 section 602 A. States I have the right to privacy. UNDER THE FCRA 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt in response to your recent claim that the items listed in this report contains CHARGE-OFFS UNAUTHORIZED INQUIRIES Yet again, you have failed to provide me with a copy of any ( viable evidence from these banks ) and the ( fraudulent use of my identity ) in connection with these items that you are reporting that you are reporting are a direct violation of FCRA Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at ( XXXX XXXX XXXXXXXX XXXX/EQUIFAX ) regarding this alleged account. I am formallyrequesting a copy of any documents provided by XXXX XXXX XXXX XXXXXXXX XXXXEQUIFAX ) ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of California Attorney General 's office, should you continue in your non-compliance? I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. XXXX XXXX ACCOUNT NUMBER # XXXX Amount {$0.00} date XX/XX/XXXX ( fraudulent inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX fraudulent addresses used by criminals Fraudulent address ) XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX I am aware that my SSN belongs to the ( SSA XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( XXXXEQUIFAX ARE also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( Debt Collector Name ) into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c-2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all ( illegal activities, ) including reporting which constitutes ( collection activities. ) This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts
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08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WAS NEVER LATE ON THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT STATUS IS REPORTING INCORRECTLY UPDATE ACCOUNT Request for Removal of XXXX XXXX XXXX XXXX Time Share and Cease and Desist Dear XXXX, I hope this letter finds you well. I am writing to formally request the immediate removal of an entry on my credit report related to a XXXX XXXX XXXX XXXX XXXX XXXX. I believe this entry is inaccurate and in violation of consumer protection laws. Additionally, I am issuing a cease and desist order to halt any further reporting of this false information.
Here are the details of the matter : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, ZIP XXXX - Date : XX/XX/XXXX In XX/XX/XXXX, I attended a presentation by XXXX XXXX XXXX XXXX, where I was coerced into purchasing a time share. However, subsequent revelations have shown that the sales tactics employed were misleading and that the contract 's terms and conditions were misrepresented. As a consumer, I have the right to accurate and honest information when making financial decisions, and these practices were in violation of various consumer protection laws.
I hereby request the following actions : 1. *Investigation : * I urge you to initiate an investigation into this matter and verify the inaccuracies in my credit report related to the XXXX XXXX XXXX XXXX XXXX XXXX entry.
2. *Removal : * Based on the evidence I've provided and the consumer protection laws violated, I request the immediate removal of the aforementioned entry from my credit report.
3. *Cease and Desist : * I am issuing a cease and desist order to prevent any further reporting of this false and misleading information on my credit report.
I have attached supporting documentation that substantiates my claims, including records indicating that I tried to cancel within a week of signing the documents, but my attempts were ignored. I believe the following consumer protection laws have been violated : - Cooling-Off Period - Contract Rescission - Misrepresentation and Fraud Upon completion of the investigation and removal of the inaccurate entry, I kindly request written confirmation of these actions. Additionally, I ask that you communicate this correction to any third-party entities that have accessed my credit report recently.To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately : I appreciate your prompt attention to this matter and trust that you will take the necessary steps to rectify this situation. If you require further information, please don't hesitate to contact me at XXXX ( XXXX ) XXXX / XXXX or XXXX.
Thank you for your cooperation.
Sincerely, XXXX XXXX Sent Write to XXXX XXXX
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08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.
In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine.
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
What is your authorization of law for your collection of information?
What is your authorization of law for your collection of this alleged debt?
Please evidence your authorization to do business or operate in this state.
Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.
Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Regards, 14th Amendment violation right to Due Process No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.
4th Amendment Rights to Privacy The Fourth Amendment of the U.S. Constitution provides that " [ t ] he right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized. '' The ultimate goal of this provision is to protect peoples right to privacy and freedom from unreasonable intrusions by the government.
BLESSING, XXXX, ARIZONA DEPARTMENT XXXX XXXX XXXX XXXX XXXX et al.
certiorari to the united states XXXX XXXX XXXX for the ninth circuit No. XXXX. Argued XX/XX/XXXX -- Decided XX/XX/XXXX Respondents, five Arizona mothers whose children are eligible for state child support services under Title IV-D of the Social Security Act, filed this 42 U.S.C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV-D provisions creating rights in them that are enforceable through a 1983 action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve " substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements.
Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp. 9-18.
( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX. Three principal factors determine whether a statutory provision creates a privately enforceable right : ( 1 ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amorphous as to be beyond the competence of the judiciary to enforce ; and ( 3 ) whether the statute imposes a binding obligation on the State. See, e.g., XXXX v. Virginia XXXX XXXX, XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if XXXX specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Pp. XXXX.
( b ) Respondents have not established that XXXX XXXX gives them individually enforceable federal rights. In prior cases, the XXXX has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, well defined claims. See, e.g., XXXX v. XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to " substantial compliance '' with XXXX XXXX in all respects. The statutory " substantial compliance '' requirement, see, e.g., XXXX XXXX XXXX XXXX A. XXXX ( a ) ( XXXX ) ( XXXX XXXX XXXX. ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the XXXX to measure the systemwide performance of a XXXX 's XXXX XXXX program, allowing her to increase the frequency of audits and reduce the State 's federal grant upon a finding of substantial noncompliance. The XXXX XXXX XXXX also erred in taking a blanket approach to determining whether XXXX XXXX creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its " substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this XXXX does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit XXXX not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their " rights '' were being violated and an injunction forcing petitioner to " substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the XXXX XXXX to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the complaint into specific allegations can the XXXX XXXX proceed to determine whether any specific claim asserts an individual federal right. Pp. XXXX.
( c ) XXXX 's argument that XXXX XXXX 's remedial scheme is sufficiently comprehensive to demonstrate congressional intent to preclude XXXX suits is rejected. XXXX does not claim that any XXXX XXXX provision expressly curtails XXXX actions, and she has failed to make the difficult showing that allowing such actions to go forward in these circumstances would be inconsistent with XXXX ' XXXX tailored scheme. That scheme is far more limited than those at issue in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, the only cases in which the XXXX has found preclusion ; in particular, Title IV-D contains no private remedy -- either judicial or administrative -- through which aggrieved persons can seek redress. The only way that XXXX XXXX assures that States live XXXX to their child support plans is through the XXXX 's oversight, but the XXXX 's limited powers to audit and cut federal funding are not comprehensive enough to foreclose XXXX liability. Pp. XXXX.
XXXX XXXX DEPARTMENT Balance details Paid off - Balance {$3000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Child Support XXXX XXXX DEPARTMENT Balance details Paid off - Balance {$2600.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Child Support
|
03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
regarding complain number XXXX Equifax stated items would be deleted off my credit report but still remains. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Attention: Customer Complaints Department
Special Request: Please Forward to a Live Agent to Handle. I dont want any data or
information left out when forwarding to furnishers due to your automation system
restrictions, limitations or any other issues with your data governance.
WE ALL KNOW COMPUTERS CAN ALSO MAKE SOME COSTLY MISTAKES AT TIMES.
Thanks for forwarding!
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information,
and
accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 (5)(A) of
the FCRA you are required to promptly DELETE all information that is inaccurate,
incomplete, or which cannot be verified.
It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each
any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified
1
aspects
of any alleged derogatory accounts must be promptly negated in its entirety or the alleged
accounts
are to be completely deleted.
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with
PERMANENT DELETION of these derogatory accounts or provide testimony and certification
that you are adhering to mandated XXXX XXXX data formatted reporting standards according to
regulations.
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a
lawsuit
seeking monetary resolution via a court in my jurisdiction.
Drawing from my research and complete comprehension You nor any entity is permitted to
keep
any non-compliant information, particularly upon it being challenging any or all of the excerpts,
dated assignments, ledger balances, audited details, documents of identification, each of the
426-2
character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or
alphanumeric
source codes. Further certificate firmly every single one even each any and or all of the minimal
five (5) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation
to
collect.
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT,
INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN
COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed
immediately, do so TODAY, even right NOW! The obvious infractions are as follows:
2
Name of Alleged Creditor: XXXX XXXX
Alleged Account Number: XXXX XXXX Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven, NONCOMPLIANT ACCOUNT INFORMATION.
Immediately Delete this Unverified Account. If not,
please provide physical proof of verification, along with the requested items within the full
context of this correspondence.
Dispute Reason: I don't recall having any business transactions or dealings with this company
and/or original creditor.
Name of Alleged Creditor: XXXX XXXX XXXX
Alleged Account Number: XXXX XXXX Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven, NONCOMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not,
please provide physical proof of verification, along with the requested items within the full
context of this correspondence.
Dispute Reason: I don't recall having any business transactions or dealings with this company
and/or original creditor
Name of Alleged Creditor: XXXX
Alleged Account Number: XXXX XXXX Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven, NONCOMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not,
3
please provide physical proof of verification, along with the requested items within the full
context of this correspondence.
Dispute Reason: I don't recall having any business transactions or dealings with this company
and/or original creditor.
Name of Alleged Creditor: XXXX XXXX XXXX XXXX
Alleged Account Number: XXXX XXXX
Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven, NONCOMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not,
please provide physical proof of verification, along with the requested items within the full
context of this correspondence.
Dispute Reason: I don't recall having any business transactions or dealings with this company
and/or original creditor.
Name of Alleged Creditor: XXXX XXXX XXXX Alleged Account Number: XXXX XXXX
Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven, NONCOMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not,
please provide physical proof of verification, along with the requested items within the full
context of this correspondence.
Dispute Reason: I don't recall having any business transactions or dealings with this company
and/or original creditor.
PLEASE NOTE
This letter may be provided to the Consumer Financial Protection Bureau (CFPB) and I am
fully aware that they are authorized to investigate this matter. If you fail to comply with this
letter, this matter may be turned over to an attorney. I don't recall having any business
transactions or dealings with these companies. I am asking that you have the creditors provide
4
evidence the accounts belong to me and should be on my credit report, in addition, to show
that my rights have not been abrogated.
I'm asking each to verify that the creditors have a signed contract or paperwork from me or
related to me in any fashion. Unless this paper is produced or the account is unverifiable by
each creditor, I required that the accounts in question are updated and deleted to reflect the
proper reporting standard.
*THESE ITEMS are DAMAGING MY FINANCIAL REPUTATION
and MUST be DELETED AT ONCE.
Under Section 611, I am requesting the following:
If the above items are not deleted or you and/or the furnisher determine they are verified
after your investigation, I am requesting:
1. A description of the procedure used to determine the accuracy and completeness
of the information. Please provide me a complete copy of all the information that
was transmitted to the data furnisher aspart of the investigation, as required by
FCRA:
a. Who did you speak with?
b. What was the date?
c. How long was the conversation?
d. What was their position?
e. What number did you call?
f. What is the name of your employee that spoke directly to the creditor?
g. What is the position of your employee that spoke to the creditor?
2. Please include the business name and address of any furnisher of information
contacted in connection with such information and the telephone number of such
furnisher.
3. What certified documents were reviewed to conclude your investigation?
5
Enclosed with your response to the above questions, I respectfully request a notarized
affidavit confirming the information that is provided is true and correct as per my civil
rights granted under several federal laws.This information should not come as an
automated letter response.
PLEASE SEND THE REQUESTED ITEMS WITHIN THIS CORRESPONDENCE
TO THE FOLLOWING ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX Note: * Please remove all non-account holding inquiries over 30 days old.
* Please add a Promotional Suppression to my credit file.
To Whom It May Concern,
Please note: The personal information listed below requires attention
My Accurate legal full name is exactly: XXXX XXXX ONLY!!
I do NOT want any name other than what I listed above to be retained or reported.
Please delete any other names that infringes on my consumer rights OR provide evidentiary
PROOF the legal right to retain such information.
My Accurate complete address isXXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
I do NOT want any address other than what I listed above to be retained or reported.
Please delete any other addresses that infringes on my consumer rights OR provide evidentiary
PROOF the legal right to retain such information.
My Accurate FULL legal Social Security is: complete address isXXXX XXXX XXXX XXXX If any other social security number is listed other than what was typed above was NOT provided
by me and should NOT to be retained or reported. If any other social security number is listed,
6
please delete it at once or provide evidentiary PROOF the legal right to retain such information.
My Accurate Full Date of Birth is XXXX XXXX XXXX
If any other date of birth is listed other than what was typed above was NOT provided by me
should NOT to be retained or reported. If any other date of birth is listed, please delete at once
or
provide evidentiary PROOF the legal right to retain such information.
As you are aware, federal and my state laws dictate that all claims be physically proven to its
100%
truthfulness, 100% correctness, 100% completeness, 100% timeliness and 100% in compliance
otherwise every single item even each or all of the related regulations, mentioned or that if any
or
each item being reported is challenged for its legal reportability in which case and I am doing
such,
I demand as my legal rights allows that you follow whats mandated and required of Data
Furnishers to demonstrate in unabridged sufficiency of the facts exactly as composed and
relayed
to you. This includes substantial display of all law requisites such as proof of documented
identity
of the individual alleged as having ownership or proven responsibility of alleged accounts which
are still making unfounded claims in my report.
I am seeking every notation, date, balance, total,426-CHRC, P6 statement, identifier, and all 386
pcs of confirmation, notes as well as anything even unknown to be provide with required
documentation. Otherwise DELETE PROMPTLY if there are any deficiency to provide requested
information as Federally defined in a timely manner.
I am sincerely appreciative to your full attention to my request; and your cooperation in
speedily
bringing my credit report into Compliance. Have an awesome day! 7 XXXX XXXX
|
03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
these credit reporting agencies are in total violation of my consumer rights under all of the laws i have stated here they need to be held accountable under the color of law as they continue to violate my rights i have tryed many times to dispute with them about these accounts with not so much as a change to my consumer report i have told all of the listed accounts that i opt out of any of them to report this information on MY consumer report yet my written exemption from them posting to MY CRFEDIT REPORT have gone ignored i ask that you please look and see the evidence i have given here as my rights are continuously being violated and this is the only course of action i have to help me i have posted every law that they keep violated they must be held up to the rules set forth by congress I have sent you a letter asking you to please investigate the enclosed accounts to make sure that there are no inaccuracies and that you investigate each account so that you can clean up my credit report I would like to know how these accounts were verified and to whom did you speak, did you speak to any of my neighbors was anybody in my family contacted so that you can verify these accounts?
According to 15 USC 1681 ( A ) ( E ) the term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer 15 USC 1681 subdivision ( a ) accuracy and fairness of credit reporting. consumer reporting agencies have assumed a vital role in assembling evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agency exercised a grave responsibility with fairness impartiality and respect for the consumers right to privacy.
15 USC 1611 criminal liability for willful and knowing violation.
whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issue there under.
15 USC 1682 ( B ) In general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates, and I gave no one my written permission to write anything on my consumer report.
15 USC 1681 I procedure in case of disputed accuracy ( 2 ) prompt notice of dispute to furnisher of information Before the expiration of the five-business days. Beginning on the date on which a consumer reported agency receives notice of a dispute from any consumer or reseller in accordance with paragraph one the agency shall provide notification of the dispute to any person who provided any item of information and dispute had the address and, in the manner, established with the person the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller ( A ) If after any reinvestigation under paragraph one of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modified it item of information as appropriate based on the results of the reinvestigation and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer I feel that I have been violated of my rights and that each consumer reporting agency has to notify each other of the inaccuracy per the F DCPA and I feel that you guys are not communicating with each other as in closed are all of the inaccuracies that I asked you to investigate on my behalf and I gave no one permission to write any of this on my credit report which is against the law product FCRN and FD CPA my rights are being violated and I asked that you fix these inaccuracies as this is my second attempt to show you that these inaccuracy are across all three credit bureaus I'm just a regular person who knows and understands the laws and my rights as a consumer I have a right to privacy I have a right to have everything reported on my credit report 100 % accurate per the fair credit reporting act written by Congress and I ask that you please remove all and I mean every single inaccuracy and delete them he immediately before the point of litigation and I asked that you every single inaccuracy off of all three credit reports as you are bound by law to cooperate with the consumer and talk to each other experience XXXX and Equifax so that you can delete all of the inaccuracies on my credit report I have enclosed copy of my last dispute and I also enclosed copies of my credit report and all the inaccuracies therein I ask that you delete these accounts immediately as they do not report accurately across all three credit bureaus ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.
15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681 S-2 responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A I asked that you not give any third party such as credit bureaus any of my personal information as is my right as a consumer. 15 USC 6802 subsection ( A ) notice of requirement states, except as otherwise.
15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer, a notice that complies with section 6803 of this title.
( B ) OPT OUT ( 1 ) in general, a financial institution may not disclose nonpublic personal information to non-affiliate third parties unless ( A ) such financial institution clearly and conspicuously discloses, to the consumer, in writing or in electric form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third parties ( B ) the consumer is given the opportunity that such information is initially disclosed to direct that such information may not be disclosed to such third party and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I opt out of any disclosures to any third parties or non-affiliates of this financial institution any credit unions credit bureaus credit reporting agencies I do not give any written permission to XXXX XXXX XXXX and its affiliates to disclose my personal information as I have a right to privacy and my personal information is solely mine.
15 USC 45 PRIVACY MISSION OF FTC 5 USC552a PRIVACY ACT OF 1974 15 USC 6802 6809 GRAMM LEACH- BLILEY ACT 15 USC 1681 FCRA I opt out of any disclosures to any third parties I ask that you remove any reports that you have given to a third party to place on my consumer report that means XXXX Equifax XXXX and all other credit reporting agencies I opt out! I have given you in writing My unwillingness to allow you to give third parties and non-affiliates any of my personal information I ask that you remove from my consumer report on all platforms any information that you as a financial institution has given to a non-affiliate expeditiously remove all of my personal information from all credit reports and data furnishing firms! I opt out!!!!!! yours truly XXXX XXXX.
provided in this subchapter a financial institution or creditor may not directly or through any affiliate disclose to a nonaffiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( B ) opt out one in general a financial institution or debt collector may not disclose nonpublic personal information to nonaffiliated third parties unless hey such financial institution or debt collector clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party B the consumer is given the opportunity that such information is and neatly disclosed to direct that such information may not be disclosed to such third parties and ( C ) the consumer is giving an explanation of how the consumer can exercise that non-disclosure.
|
07/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit.
1. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate.
XXXX XXXX XXXX I Account Number : XXXX Please remove this inaccurate information from my credit report.
3. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
4. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
5. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
6. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
7. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
8. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
9. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
10. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
11. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
12. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
13. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
14. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
15. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
16. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
17. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
18. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
19. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
20. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
21. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
22. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
23. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
24. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
25. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
26. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
27. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
28. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
29. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
30. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
31. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
32. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
33. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
34. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts.
XXXX Account Number : XXXX Please remove it from my credit report.
35. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
36. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
37. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
38. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
39. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
40. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate.
XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
41. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate.
XXXX Account Number : XXXX Please remove it from my credit report.
42. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
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03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
I have reached out to XXXX, XXXX and XXXX, XXXX XXXX and Equifax about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to Equifax, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint TEXAS state Attorney Generals complaint and TEXAS XXXX OF XXXX XXXX COMMISSIONERS complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX card which has an amount of $ {$30000.00} ( XXXX XXXX XXXX XXXX XXXX card account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XX/XX/XXXX FRAUD INFORMATION ( INQUIRIES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulentnames ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address ) XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT XXXX XXXX NUMBER Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AMOUNT DATE OPENED XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt listed or names or addresses XXXX XXXX XXXX XXXX XXXX card account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XX/XX/XXXX FRAUD INFORMATION ( INQUIRIES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulentnames ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address ) XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT XXXX XXXX NUMBER Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AMOUNT DATE OPENED XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b )
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01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
To Whom It XXXX Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over XXXX days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : Fair Collections and outsource with account # XXXX for the amount of {$1500.00} Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual.
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.
The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to XXXX XXXX Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXX XXXX XXXX for the amount of {$530.00} please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
|
01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXX XXXX for the amount of {$210.00} please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. XXXX XXXX XX/XX/XXXX XXXX TOTAL XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXT XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX INC
$XXXX
Balance updatedXX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number XXXX
Original creditor
XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date openedXX/XX/2018
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX Balance
XXXX
Balance updated
XX/XX/2022
Original balance
$XXXX Paid off
0%
Monthly payment
-
Past due amount
$XXXX Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number XXXX XXXX0
Comments
-
Prepared For XXXX XXXXDate generated: XX/XX/2022
XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX $XXXX
Balance updated XX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number XXXX
Original creditor XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
$XXXX Balance updated
XX/XX/2022
Original balance
$XX/XX/XXXXPaid off
0%
Monthly payment
-
Past due amount
$XX/XX/XXXXTerms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XX/XX/2022
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection
Data Unavailable
Contact info
Address
XX/XX/1508
Phone number
XXXX XXXX Comments
-
Prepared For XXXX XXXXDate generated:XX/XX/2022
XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
XXXX
Balance updated XX/XX/2022
Account info
Account name
XX/XX/XXXXAccount number
XX/XX/2452Original creditor XXXX XXXX XXXX XXXX Company sold
-
Account type
Collection
Date openedXX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
XXXX
Balance updated
XX/XX/2022Original balance XXXX Paid off
0%
Monthly payment
-
Past due amount
$XXXX Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection
Data Unavailable
Contact info
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX Comments
-
Prepared For XXXX XXXXDate generated: XX/XX/2022XXXX XXXX XXXX Original creditor: XXXX XXXX XXXX XXXX XXXX
Balance updatedXX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number
XXXX
Original creditoXXXX XXXX XXXX XXXX XXXX Company sold
-
Account type
Collection
Date opened
XX/XX/2017Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
$XXXX Balance updated
XX/XX/2022
Original balance
$XXXX Paid off
XXXX%
Monthly payment
-
Past due amount
$XXXX Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX
Comments
-
Prepared For XXXX XXXXDate generated:XX/XX/2022 XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
$XXXX
Balance updatedXX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number XXXX Original creditor
XXXX XXXX XXXX XXXX Company sold
-
Account type
Collection
Date openedXX/XX/2018
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated XXXX XXXX Balance
$XXXX Balance updated
XX/XX/2022
Original balance
$XXXX Paid off
0%
Monthly payment
-
Past due amount
$XXXX Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection
Data Unavailable
Contact info
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number
XXXX XXXX Comments
-
Prepared For XXXX XXXXDate generated: XX/XX/2022
XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
$XXXX
Balance updated XXXX XXXX XXXX
Account info
Account name
XXXX XXXX XXXX
Account number
XXXX Original creditor XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date openedXX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XX/XX/2017
Balance
$XXXX Balance updated XX/XX/2022
Original balance
XXXX Paid off
0%
Monthly payment
-
Past due amount
$XXXX Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number XXXX XXXX
Comments
-
Prepared For XXXX XXXXDate generatedXX/XX/2022 XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
$XXXX
Balance updatedXX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number
XXXX Original creditor XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated XXXX XXXX
Balance XXXX
Balance updated
XX/XX/2022
Original balance XXXX
Paid off
0%
Monthly payment
-
Past due amount XXXXXXXX Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection
Data Unavailable
Contact info
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number XXXX XXXX
Comments
-
Prepared For XXXX XXXXDate generated:XX/XX/2022 XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX
Balance updated XX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number XXXX
Original creditor XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
XXXX
Balance updated
XX/XX/2022Original balance
$XXXX
Paid off
0%
Monthly payment
-
Past due amount
$XXXX Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number
XXXX XXXX
Comments
-
Prepared For XXXX XXXXDate generated:XX/XX/2022 XXXX XXXX XXXX Original creditor: XXXX XXXX XXXX
Balance updated XX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number
XXXX Original creditor
XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2021Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX Balance XXXX
Balance updated
XX/XX/2022
Original balance XXXX
Paid off
0%
Monthly payment
-
Past due amount XXXX Terms
1 Month
Responsibility
Joint Account
Your statement
-
Payment history XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX
Comments
Account information disputed by consumer
Prepared For XXXX XXXXDate generated:XX/XX/2022Public records
No public records reported.
Prepared For XXXX XXXXDate generated: XX/XX/2022
Inquiries
XXXX
Inquired on XX/XX/2021
Business Type: Bank Credit Cards XXXX XXXX XXXX XXXX XXXX,XXXX
XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX
XXXX XXXX XXXX
Inquired on XX/XX/2021
Business Type: Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX
Inquired onXX/XX/2021
Business Type: Auto Reseller
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX
Inquired on XX/XX/2021
Business Type: Bank Credit Cards
XX/XX/1972
By mail only
This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Inquired onXX/XX/2021
Business Type: Federal Government
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX
Prepared For XXXX XXXXDate generated: XX/XX/2022
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11/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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After numerous attempts to rectify what is is inaccurate reporting on my Consumer Report with this consumer reporting agency, they continue to report unvalidated erroneous information on my credit report as validated. A certified letter has been sent to inform me as to how they validate my debt and no response has been given. They have allowed the lender on numerous occasions to change/correct their errors on my credit report instead of removing the erroneous information that has been reported. Pursuant to the FDCPA 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
15 USC 1692h These items MUST be removed not giving the subscribers to their reporting agency time to correct the information to further report erroneous information. If it was false at the time of the initial validation the the item should be removed not corrected to further a business relationship. This would be a conflict of interest and steps should be taken to allow consumers to have faith and fairness in credit reporting agencies.
I have attached all copies of what has been sent to the consumer reporting agencies an my complaint is also a timestamp as to the XXXX days that you have to validate my debt appropriately.
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10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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1. Mr XXXX in XXXX had alarm service for his home with XXXX.
2. XXXX continued to allow its employees to discriminate on Mr XXXX on direct basis of his XXXX.
3. XXXX used Mr XXXX XXXX symptoms to justify not fixing the alarm service and breach their contract with Mr XXXX.
4. XXXX refused to fix an issue where the alarm service was not working and doing what it was intended.
5. Mr. XXXX informed XXXX that he no longer wanted the services given that XXXX refused to provide adequate services.
6. XXXX trued collecting a debt for them breaching their own contract with Mr. XXXX.
7. XXXX got XXXX XXXX to illegal collect a debt.
8. XXXX XXXX XXXX was made aware of their illegal debt collection on numerous occasions by Mr XXXX in writing and over the phone and made them aware of their illegal conduct of the ongoing financial exploitation.
9. XXXX XXXX then gave the debt to XXXX XXXX XXXX.
10. XXXX XXXX XXXX was also made aware on numerous occasions and in writing of the same facts and laws XXXX XXXX provided XXXX XXXX XXXX.
11. XXXX XXXX XXXX refused to stop with their ongoing financial exploitation of a XXXX individual with knowledge of the law and Mr XXXX rights.
12. XXXX XXXX XXXX in their illicit conduct has caused other interference to services and housing, which violates the Fair Lenders, Creditors and borrowers Act rights of Mr XXXX, as well it violates the Americans with XXXX XXXX, Federal Fair Housing Act and Federal Rehabilitation Act.
13. XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( all located in Utah ) allowed their employees to continue with ongoing financial exploitation, mental abuse, discrimination, bias and prejudice, and interference with accessibility to services and society.
14. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX working in concert with the Credit Bureaus knowingly, improperly, and with deliberate indifference to Mr XXXX established Federally protected rights also knowing it is a crime to exploit Mr. XXXX financially and concealing that fact is also a crime.
15. Federal law ( 42 USC 407 ( a ) ) protects Social Security benefits even after deposited into a claimant 's bank account. Title II, Section 208 of the Social Security Act of 1935 provides the most broadly applicable exemption. It exempts Social Security benefits from all legal process, including garnishment. This situation does show further interference with services in for a XXXX person by these illicit mannerisms.
16. The statute provides broad protection from any practice rendering benefits 'subject '' to " legal process. '' The XXXX opposed XXXXXXXX XXXX claim of exemption, arguing that under code of civil Procedure section 704.080, only Social Security funds directly deposited into a bank account by the government are protected by the exemption. ( All further statutory references are to the code of civil Procedure unless otherwise specified. ) 17. True, under section 704.080, subdivision ( b ), a judgment debtor, who receives Social Security payments by direct deposit, does not need to prove that the funds are exempt ( up to certain amounts ).
18. Section 704.080, by providing such automatic exemption for direct deposit amounts, provides additional protection to Social Security payments that are directly deposited. But neither section 704.080, nor any other legal authority cited by the parties, supports the interpretation that section 704.080, subdivision ( b ) eliminates the availability of the 42 united States code section 407 ( a ) exemption as to Social Security payments that are not directly deposited into a bank account.
19. If funds are directly deposited by the government, there is no need to trace their source. ( See Kilker et al., v Stillman G048473 ( Super. ct. No. 30-2008-00106524 ) ).
20. XXXX, Equifax, and XXXX have been made aware of these issues and the legal aspect and has deprived Mr XXXX his rights under Federal law and laws enacted by Congress and allowed the illegal debt collection and made a fraudulent report.
21. The Respondents actions as described herein were taken in accordance with their beliefs of someones rights, their policy, and/or practice acting in their employment and /or position or created job title.
22. Mr XXXX rights were further violated by the Respondents and the Respondents Supervisory Officials when, based upon custom, policy, and/or practice, the Supervisors failed to take adequate steps to either train or show compliance to a XXXX individuals rights under the U.S. law.
23. Mr. XXXX continues to suffer the results of the extensive abuses he was subjected to by Respondents whose illegal action have interfered with services of places of public accommodations and have shown that their actions has caused Mr. XXXX a high rate to accessibility to services.
24. All Credit Bureaus have been made aware on numerous occasions of the aforementioned crimes and have refused to remedy the issues that violate Mr XXXX Federally protected rights and the financial exploitation of a vulnerable XXXX individual.
25. The ongoing issues also violates the Federal Trade Commission Act ( FTC Act ) 15 U.S.C. 45 et seq., Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.
26. Financial fraud is one of the fastest growing forms of abuse targeting seniors and adults with XXXX. According to the National Adult Protective Services Association, 1 in 20 older adults reports some form of financial mistreatment. Financial Exploitation is a felony ..
27. Emotional AbuseInflicting mental pain, anguish, or distress on a vulnerable person through verbal or nonverbal acts. Emotion abuse is also considered battery or assault on the State and Federal level.
28. ExploitationIllegal taking, misuse, or concealment of funds, property or assets of a vulnerable person. Identity theft is also considered a form of exploitation. Exploitation is a federal and state level felony.
29. The illegal debt created has interfered with housing and even medical services and other services in society.
30. The 14th Amendment and as well the Bill of Rights guaranteeing both the XXXX plaintiffs the rights to life liberty and the pursuit of happiness. which also applies to a XXXX individual 's rights to their own dignity and personal autonomy in that right to life and to deprive them of that right to price them of their rights to life.
31. The `liberty ' mentioned in the Fourteenth Amendment means, not only the right of the citizen to be free from the mere physical restraint of his person, as by incarceration, but the term is deemed to embrace the right of the citizen to be free in the enjoyment of all his faculties ; to be free to use them in all lawful ways ; to live and work where he will ; to earn his livelihood by any lawful calling ; to pursue any livelihood or avocation ; and for that purpose to enter into all contracts which may be proper, necessary, and essential to his carrying out to a successful conclusion the purposes above mentioned.
32. All the parties of this complaint have not allowed a XXXX person to be free in the enjoyment of all Mr XXXX faculties.
33. The Respondents of this complaint have received numerous valid oppositions and continue to interfere with the enjoyment of all Mr XXXX rights ( 28 C.F.R. 35.134 / 42 U.S.C. 12203 ) 34. XXXX people are an insular minority under the opinion of Congress. When Congress originally passed the ADA, it was clear that it was using all of its constitutional powers. This manifested in two provisions : most expressly, where Congress stated that it was invoking the sweep of congressional authority, including the power to enforce the fourteenth amendment and to regulate commerce, in order to address the major areas of discrimination faced day-to-day by people with disabilities. ( See Americans with Disabilities Act of 1990 2, 42 U.S.C. 12101 ( b ) ( 4 ) ( 2006 ). ) And in the original ADA, Congress included a finding that individuals with disabilities are a discrete and insular minority who have been faced with restrictions and limitations, subjected to a history of purposeful unequal treatment, and relegated to a position of political powerlessness in our society, based on characteristics that are beyond the control of such individuals and resulting from stereotypic assumptions not truly indicative of the individual ability of such individuals to participate in, and contribute to, society. ( Id. 12101 ( a ) ( 7 ) ) ( See also Title 42 THE PUBLIC HEALTH AND WELFARE Chapter 126. EQUAL OPPORTUNITY FOR INDIVIDUALS WITH DISABILITIES Section 12101 Findings and purpose i.e. 42 U.S.C. 12101 ( Pub. L. 101336, 2 July 26, 1990,104 Stat. 328 ; Pub. L. 110325, 3, Sept. 25, 2008, 122 Stat. 3554. ) 35. This language may have been intended to express Congresss view that people with disabilities were entitled to some form of heightened scrutiny under the Equal Protection Clause or, at the very least, draw attention to a history of segregation and discrimination. ( 9 See Brown v. N.C. Div. of Motor Vehicles, 987 F. Supp. 451, 457 ( E.D.N.C. 1997 ) 36. People with disabilities constitute a minority group in every legitimate sense of the word. They face discrimination and have their lives limited by socially constructed barriers to full participation. But their minority status is not regarded as entirely comparable to that of ethnic minorities, people of different colors, religions, faiths or national origins.
37. While people with disabilities have made significant strides toward true integration, their progress has been suppressed by societys conception of people with disabilities as broken people, damaged people, inferior people. Civil rights are reserved for others while people with disabilities are made to make due with limited civil rights, qualified civil rights, conditional civil rights.
38. People with disabilities are members of a minority group, but it is an orphan minority, a subordinate minority.
39. It is a Federal crime to interfere with the access of a disabled individuals housing.
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01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXXXXXX with account # XXXX for the amount of {$1300.00} please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual.
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.
The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Placed in Collections XX/XX/2020 Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureau 's Notice to Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies.
This negative mark is damaging my credit. Please promptly contact XXXX, XXXX, and Equifax ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.
Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
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07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX CU Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
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05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/ RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
To whom it may concern, I am writing this letter to address the ongoing violation of the Fair Credit Reporting Act ( FCRA ) by Equifax Information Services LLC. It has come to my attention that you have refused to delete inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final offer of settlement before pursuing litigation in accordance with the FCRA to seek relief and recover all monetary damages to which I may be entitled under Section 616 and Section 617. Please consider this as an opportunity to amicably resolve the matter.
I must emphasize that your continued presence of unverified items on my credit report is a direct violation of the FCRA. According to the FCRA, you are required to have a copy of the original creditors ' documentation on file to verify the accuracy of the reported information. Despite your investigation, which claimed that these items were being " reported correctly '' and " verified, '' you have failed to provide me with any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Furthermore, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). It is worth noting that under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any information that can not be verified.
It is evident that your agency lacks a proper understanding of the FCRA, as evidenced by the errors and inaccuracies present on my credit report. To ensure clarity, I would like to outline a few key points : The Fair Credit Reporting Act ( FCRA ) is the primary federal law governing the collection and reporting of credit information about consumers. It establishes rules for obtaining, retaining, and sharing credit information.
FCRA violations may include creditors providing inaccurate financial information about consumers, reporting agencies mixing up individuals ' information due to similar names or social security numbers, and agencies failing to follow dispute-handling guidelines.
Under the Fair Credit Reporting Act, I have the right to verify the accuracy of my report when it is required for employment purposes, receive notification if information in my file has been used against me in credit applications or other transactions, dispute and have the bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report, and request the removal of outdated, negative information.
I demand that the following items be deleted immediately from my credit report. I have provided the relevant information and the desired outcome for each item : XXXX Account Number : XXXX This account is unfamiliar to me, and I have no recollection of ever belonging to it. I request that you remove this account promptly from my credit report.
XXXX XXXXXXXX Account Number : XXXX Despite your claim of updating this account, no changes have been made. The incorrect information regarding late payments persists. I insist that you remove these incorrect late payments from the account without delay.
XXXXXXXX XXXX XXXX Account Number : XXXX Similar to the previous account, you have reported an update without making any changes. The inaccurate information regarding late payments remains unchanged. Please remove these incorrect late payments immediately.
XXXX Account Number : XXXX I have no evidence to support the claim that this account belongs to me. I request that you remove this inaccurate information from my credit report promptly.
XXXX Account Number : XXXX I am perplexed as to how you can consistently verify something that never occurred. I have never been late with any payments related to this account. I demand the immediate removal of this erroneous data from my credit file.
XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX XXXXXXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
The following personal information is incorrect DATE OF BIRTH : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX As per Section 1681n of the FCRA, failure to comply with the provisions of federal law may result in civil liability. I fully intend to pursue litigation to enforce my rights under the FCRA if you fail to comply. Please be aware of the potential consequences.
I request that you complete this investigation within 30 days, as stipulated by Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Additionally, I require a description of the procedure used to determine the accuracy and completeness of the information within five days following the completion of your re-investigation. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within the provided timeframe may result in a small claims action against your company, seeking {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please be advised that depending on your response, I may publicly disclose any potential issues with your company through an online press release, including documentation of any forthcoming small claims action. A copy of this letter, along with related complaints, will also be forwarded to the organizations mentioned below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints I urge you to resolve this matter promptly and in compliance with the FCRA. Failure to do so will leave me with no choice but to pursue legal action to protect my rights.
Sincerely, XXXX XXXX
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11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX XX/XX/XXXX, XXXX XXXX XXXX responded to XXXX XXXX complaints XXXX, XXXX, XXXX and XXXX. To date XXXX XXXX has offered me no relief for improper billing practices, nor relief for improper credit reporting. In fact, XXXX XXXX contends that XXXX XXXX is providing accurate information both to myself and the CRAs.
XXXX XXXX concurs with my assertion regarding the timing of my first bill, " Your first payment for loan account XXXX XXXX and XXXX was XX/XX/XXXX. On XX/XX/XXXX, a monthly billing statement was mailed to your attention, which stated your payment due date would be XX/XX/XXXX. '' However, he switches tactics when addressing all subsequent statement generation dates and instead refers to the date a payment is due, " On XX/XX/XXXX, your monthly billing statement was mailed showing your payment due date of XX/XX/XXXX. On XX/XX/XXXX, your billing statement was mailed showing the payment due date of XX/XX/XXXX. On XX/XX/XXXX, you billing statement was mailed showing the payment due date of XX/XX/XXXX. On XX/XX/XXXX, your billing statement was mailed showing the payment due date of XX/XX/XXXX. I have enclosed copies for your review. '' He then excoriates me stating, " our statement was mailed on XX/XX/XXXX, allowing you more than a 20-day notice before your first payment due date, as we provide our customers coming out of a loan forbearance additional time to make payment arrangements for their loan accounts. '' To further his point he writes regarding my MPN signed with a now defunct banking institution, " 'I am not relieved of my responsibly and obligation to make such payments if I do not receive billing statements, and any other written payment notices from you. ' XXXX XXXX is tacitly attempting to provide an explanation as to why it is acceptable for XXXX XXXX to be non-compliant with Consent Order 2016-CFPB-0013 and violate the CFPB interpretation of 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, effectively claiming that while XXXX XXXX did not generate and provide me statements per Federal Law, their failure has no bearing on my payment history, status of my account, etc, because I am supposed to blindly make payments without consistent generation of statements. Effectively asserting, flaunting of federal law has caused no harm to me as a consumer even if their billing practices are illegal under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction. Now, under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, while there is a permissible variance to account for weekends, holidays, and differences in the number of days in months, billing cycles MUST BE EQUAL. In this context equal requires that the actual date of EACH statement not vary by more than four ( 4 ) days from a fixed day or date. The interval between the statement with date XXXX XX/XX/XXXX and the next subsequent statement generated on XXXX XX/XX/XXXX clearly falls outside the statutory definition of equal as applied to billing cycles for my student loans. XXXX XXXX XXXX asserts that I have not been harmed.
XXXX XXXX then goes on to assert that my payment history is accurate and provides dates from his computing system sowing when payments were made. In fact he is so confident with the screen XXXX from the system which he uses for such data that he closed out complaint XXXX. Contrary to XXXX XXXX 's claim of reported payment history only furnished to the CRAs for XX/XX/XXXX, XXXX XXXX is currently reporting history thru XX/XX/XXXX, which as stated in XXXX is causally impossible given XXXX XXXX 's acknowledgement of the due date of the XXXX-XXXX ( XXXX ) of each month. That is XXXX XXXX is reporting history thru XXXX XX/XX/XXXX, when the date of this complaint is XXXX XX/XX/XXXX.
So, contrary to XXXX XXXX 's claim regarding no harm to me as a consumer for their illegal billing practices, I have been harmed. The inconsistency in their statement generation as established by the first ( 1st ) billing statement generation on XXXX XX/XX/XXXX, and their second statement generation date on XXXX XX/XX/XXXX falls outside of the established date of XXXX day of each month and the harm caused by such is reflected in their system reporting causally impossible payment history to the CRAs.
For example, XXXX XXXX is supplying information to at least one ( 1 ) of the major three ( 3 ) CRAs in which my payment history goes from being reported to on-time for XX/XX/XXXX and XX/XX/XXXX, to suddenly being reported sixty ( 60 ) days past-due. XXXX XXXX XXXX 's statement to the CRA on XXXX XX/XX/XXXX are clear in that my first payment was not due until XXXX XX/XX/XXXX. So it is logically impossible that my payments would be suddenly past-due sixty ( 60 ) days for the period of XX/XX/XXXX. Nevertheless, XXXX XXXX is reporting the inaccurate history to XXXX and Equifax. This is in obvious contradiction to what XXXX XXXX XXXX claims XXXX is reporting to the CRAs. Moreover, XXXX is supplying payment history claiming that I am thirty ( 30 ) or more days late for the month of XXXX when the date for neither the payment due XXXX XX/XX/XXXX, nor the payment due XXXX XXXX would be thirty ( 30 ) days past-due -- today is XXXX XX/XX/XXXX.
If this was a simple reporting error caused by the system of a single CRA, it would be one thing. Clearly this is inaccurate and unverifiable information that is being reported to at least all three ( 3 ) major CRAs.
The somewhat seriousness, but hilarity in all of this is that there is a specific portion of XXXX XXXX 's response that acknowledges consent order violations, " We appreciate your concern about the Consumer Financial Protection Bureau ( CFPB ) announcement ; we are taking all appropriate steps to remedy the concerns. Your feedback is very important to us. We hope to have a future opportunity to meet and exceed your service expectations.We are deeply committed to serving you and your financial needs. It is important for you to know that making things right and restoring the faith you have in us is the very top priority for our entire XXXX XXXX leadership team. Nothing is more important than for you to experience the very best from us moving forward. '' So XXXX XXXX acknowledges that XXXX XXXX is in violation of XXXX and that XXXX XXXX is taking steps to remedy the non-compliance I pointed out. However, despite the illegal billing practices in violation of XXXX, and outside what is permissible under statute, XXXX XXXX will do nothing to ameliorate the harm they have already caused me due to inaccurate reporting of payment history.
These practices are not new, as the CFPB has issued consent orders in the past for this same behavior from XXXX XXXX, specifically citing the following violations : ( 1 ) unfair and deceptive practices related to payment allocation in violation of Sections 1031 and 1036 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536 ; ( 2 ) unfair practices related to payment aggregation in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 ; ( 3 ) unlawful practices related to payment aggregation in violation of Section 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), and Section 1022.42 of Regulation V, 12 C.F.R. 1022.42 ( a ) ; and ( 4 ) unfair practices related to the assessment of late fees in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. Per CFPB consent order 2016-CFPB-0013, the negative account information that XXXX XXXX is submitting to the CRAs is incorrect and must be immediately removed.
At the end of the day, XXXX XXXX is doing a dance. On one hand they admit they are outside of what is statutorily permissible. However, they insist that no harm has been done because " I still have to make payments on my student loans. '' They fail to understand that the mysterious change in statement generation date between the first two ( 2 ) consecutive statements of XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, presents itself causally impossible payment history thru XXXX XX/XX/XXXX that is supplied thru eOSCAR to the CRAs. Each time I attempt to dispute this fact with XX/XX/XXXX, Exquifax, and XX/XX/XXXX, XXXX XXXX 's computing system supplies the same erroneous information. The bottom line is that errors in XXXX XXXX 's own systems has caused consistent damage to my credit files since XX/XX/XXXX.
Any reasonable company would take efforts to correct the situation to make me whole. XXXX XXXX appears not to want to do such. To date XXXX has not stated they will fix the problem regarding the supply of causally impossible payment history to the CRAs for my student loans. So it would seem that XXXX will continue to cause harm to me as a consumer, and perhaps other consumers, with full knowledge that they are doing such, while providing no relief to me.
On one hand, XXXX XXXX is will to partially acknowledge the errors, but then on the other hand claim that they are reporting factually accurate payment history, and seeking to deflect away from their own behavior by quoting a clause within my loan origination documents that they acquired from a now defunct banking institution. While the clause in the loan origination document is amorphous at best in that I may still owe the alleged amount on a loan, XXXX XXXX XXXX 's claim that the clause excuses XXXX compliance with federal statute is absurd. The CFPB 's interpretation of 12 CFR Part 1026 ( Regulation Z ) 1026 is clear. XXXX XXXX is not absolved of compliance to consent orders/ consent decrees, nor shields XXXX XXXX XXXX the CFPB XXXX enforcement of applicable statute. XXXX XXXX is exhibiting behavior that is non-compliant with 2016-CFPB-013 and is admitting they are in violation of 12 CFR Part 1026 ( Regulation Z ) 1026. XXXX XXXX appears content not to correct the problems with the information they are supplying to the CRAs and thus are indifferent to the harm they have caused and will continue to cause to me as a consumer.
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01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to you because there are several account billing errors with XXXX XXXX XXXX XXXX and their various violations with different accounts, I will call them on. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales.
The Application means in this section that it may be amended from time to time, by which this Agreement is established between the Depositor ( or following the death of the Depositor, the Beneficiary ) and the Custodian. The statements contained therein shall be incorporated into this Agreement.
Consequently, companies wanted individuals to get rid of paper statements ( go paperless ) because they were committing mail-fraud under 31 USC 3123 . Each statement that was sent to me on the front should have said, " This is a solicitation and youre obligated to contract. I am protected by the Electronic Funds Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) of 1978.
I am aware that you are negotiating my account via the securities exchange 17 CFR 230.425, 17 CFR 230.141 through your Companys Trustee. A coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 16 CFR 1026.13 & D1-3 15 47 USC In accordance with 1026.11 ( 1 ) ( 2 ) Each time a payment is received, your account is deemed to be credited immediately. This is an infraction. Each time a balance is greater than {$1.00} ( the dividend check ), the corporation is supposed to forward the funds to my account.
( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. Paragraph 11 ( a ) ( 3 ).
Your company is also in violation with the following rules : Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Violation # 9 Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Violation # 10 Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Violation # 11 Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Violation # 12 Open ended consumer plan ( an account with more than 4 payments ) accounts late payment notifications is illegal. Companies may not directly or indirectly report accounts to creditors. 15 USC 1602 ( j ) Violation # 13 15 U.S. Code 1666b - Timing of payments- This means a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statements, including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Violation # 14 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
|
02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANXXXX YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND XXXX ALPHANUMERIC SOURCE CODE ( XXXX ), AS WELL AS EVERY AND XXXX EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
8. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
9. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
10. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
11. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
12. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
13. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
14. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
15. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXXXXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System XXXX : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Dispute of Incorrect Information on Credit Report and Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to formally dispute several items of incorrect information on my credit report and to bring to your attention the potential violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ).
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX 5. The following personal information is incorrect Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 8. The following personal information is incorrect Employers : XXXX XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. The following account is not mine XXXX XXXX - XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
17. The following account is not mine XXXX XXXX - XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
18. The following account is not mine XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
19. The following account is not mine XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
20. UNVERIFIED XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
21. The following account is not mine XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
22. The following account is not mine XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
23. The following account is not mine XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
24. The following account is not mine XXXX XXXX XXXX XXXX
Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
25. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 26. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 27. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 28. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MS XXXX XX/XX/XXXX 29. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX 30. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX 31. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX In addition to the above disputes, I have identified potential violations of the following consumer protection laws : Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate reporting of personal information.
Failure to conduct a reasonable investigation into the disputed information within the required time frame.
Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Unauthorized inquiries on my credit report.
Failure to provide verification and validation of debts.
Violations of the Fair and Accurate Credit Transactions Act ( FACTA ) : Failure to properly handle and respond to disputes within the specified time frame.
Failure to notify all furnishers of disputed information.
Violations of the Truth in Lending Act ( TILA ) : Failure to provide accurate and complete disclosure of terms and conditions of loans or credit accounts.
Violations of the Real Estate Settlement Procedures Act ( RESPA ) : Failure to provide accurate and timely disclosure of settlement costs and other pertinent information.
Violations of the Equal Credit Opportunity Act ( ECOA ) : Discrimination based on protected characteristics in the extension of credit.
Violations of the Fair Credit Billing Act ( FCBA ) : Failure to investigate and correct billing errors within the specified time frame.
I kindly request that you thoroughly investigate and address each disputed item and alleged violation within 30 days, as required by the FCRA. Additionally, please provide me with a detailed response outlining the actions taken to rectify the disputed information and address the potential violations.
Enclosed with this letter, please find supporting documentation, including copies of the credit report highlighting the disputed items, relevant correspondence, and any other pertinent information.
As a consumer protected by federal and state laws, I expect full compliance with the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. Failure to comply may result in legal action to protect my rights and seek appropriate remedies.
Please note that this letter is not intended as an exhaustive list of all potential violations. I reserve the right to bring forward additional violations and disputes as I continue to review my credit report and related documentation.
I kindly request written confirmation of the receipt of this letter and the initiation of the investigation into the disputed items and alleged violations.
Thank you for your immediate attention to this matter. I trust that you will handle this dispute and the alleged violations with the utmost professionalism and in compliance with all applicable laws.
Sincerely, XXXX XXXX XXXX
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05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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The CFPB is the Fiduciary for ALL of the XXXXRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. Creditors are using my nonpublic information without my consent which is Identity Theft. According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my credit report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Congress has already said none of these EXCLUSIONS listed above should appear on my Consumer Credit Report. Please DELETE IMMEDIATELY!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
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06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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The CFPB is the Fiduciary for ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. Creditors are using my nonpublic information without my consent which is Identity Theft. According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my credit report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Congress has already said none of these EXCLUSIONS listed above should appear on my Consumer Credit Report. Please DELETE IMMEDIATELY!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
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01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
XX/XX/XXXX Sent Priority Mail and XXXX XXXX XXXX XXXX
ATTN : Fraud Operations XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX : XXXX Sent Priority Mail Capital XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX Priority Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX RE : Notice of Claims and Demand for Payment relating to XXXX Credit Card ending in XXXX, XXXX XXXXXXXX XXXX XXXX Case No. XXXX, CFPB Complaint No. XXXX, and FTC Report XXXX. XXXX Dear Legal Departments of XXXX XXXXXXXX and XXXX and Company : I represent XXXX XXXX ( XXXX ending in XXXX ). I write to provide notice of my clients claims against XXXX XXXX and XXXX and Company for their fraudulent and grossly negligent conduct and for XXXX XXXX violations of, inter alia, the Texas Debt Collection Act, the Texas Deceptive Trade Practices Act. I hereby demand that XXXX XXXX and XXXX, jointly and severally, tender payment to my client in the amount of XXXX XXXX XXXX XXXX XXXX AND XXXX/XXXX USD ( {$51000.00} ) and that XXXX XXXX immediately : ( i ) permanently close the XXXX credit card account ending in XXXX ; ( ii ) permanently remove all interest and late fees applied to the account ; ( iii ) cease reporting negative credit activity to the credit bureaus regarding the account ; and ( iv ) take all actions necessary for the credit bureaus to remove all information related to the fraudulent account and fraudulent charges. If these demands are not timely met, one or more lawsuits will be filed against XXXX XXXX and XXXX.
In XX/XX/XXXX my client became aware that his personal information and social security number had been used by an unknown person ( s ) to fraudulently open various credit cards. The person ( s ) had presented themselves in person at several stores and applied for credit cards when purchasing goods using my clients social security number, address, and telephone number. One of these credit cards was a XXXX credit card ending in XXXX that was used on an approximately {$3200.00} in-store purchase at the time the account was opened.
My clients credit monitoring service notified him of the fraudulent account openings, and my client immediately contacted XXXX XXXX to resolve the fraudulent XXXX account. After multiple discussions with XXXX XXXX, XXXX XXXX represented to my client in XX/XX/XXXX that my client was not responsible for the charges and that it had had closed the account. This representation was false. Instead, XXXX XXXX has continued to charge late fees to the account, continued reporting balances to credit bureaus, and reported delinquent payment statuses to the credit bureaus each month. Each month since XXXX XXXX false XX/XX/XXXX representations, my client has been required to contact XXXX XXXX to dispute his ownership of the account and responsibility for XXXX XXXX charges. Every month, XXXX XXXX represents to my client that he is not responsible for the charges and that the account has been closed. Despite these repeated representations by XXXX XXXX, my client continues to find himself battling XXXX XXXX to clear XXXX Ones false credit reports.
Worse, beginning in XXXX, XXXX XXXX came up with a new excusemisrepresenting that XXXX XXXX did not have documentation necessary to review my clients claims. My client again properly completed and submitted an Identify Fraud Information Form, confirming that he : did not apply for or request this account; did not receive a XXXX XXXX credit card ending in XXXX ; did not receive any money, merchandise, or services in association with this account ; has not authorized or directed any individual to seek credit in his name ; and has not authorized any charges, including mail, internet and/or telephone orders on the credit card ending in XXXX.
Indeed, not only did my client neither open the account nor authorize the charges, but my client also has never been to XXXX let alone ever purchased anything from XXXX. Simply put, the charges XXXX claims my client made is fraudulent. Indeed, it appears that XXXX XXXX and XXXX failed to implement proper controls, training, and procedures to prevent fraudulent in-store creation of credit card accounts. Despite all of this, XXXX XXXX refuses to complete its fraud investigation, to close the account with no charges, fees, or penalties assessed to my client, and to remove the false information XXXX XXXX is currently reporting to the credit bureaus. XXXX XXXX even refuses to respond to my clients complaint to the Consumer Protection Financial Bureau and to provide information to my client that validates the alleged debt.
The negligence, gross negligence, fraud, and illegal acts by XXXX XXXX and XXXX are causing significant damage to my client. My client, who has never carried a past due balance or had a delinquent credit card, now faces severe impacts on his credit score, which has been lowered approximately XXXX points. This is particularly problematic for my client who is a self-employed financial professional and certified public accountant an otherwise XXXX XXXX track record.
The actions and inactions of XXXX XXXX constitute violations of the Texas Debt Collection Act ( TDCA ), which importantly defines a debt collector to include not only to third-party debt collectors but also direct creditors such as XXXX XXXXXXXX here. See Tex. Fin. Code 392.001 ( 6 ). XXXX XXXX has violated the TDCA by : representing to the credit bureaus that my client is willfully refusing to pay a non-disputed consumer debt when the debt is in dispute and my client has notified XXXX XXXX of the dispute in writing ( Tex. Fin. Code 392.301 ( 3 ) ) ; attempting to collect interest, charges, and fees incidental to the obligation without an agreement between my client and XXXX XXXX authorizing such interest, charges, and fees ( Tex. Fin. Code 392.303 ( 2 ) ) ; collecting or attempting to collect after XXXX XXXX received written notice from my client that the check, draft, or payment was unauthorizedand even after my client provided XXXX XXXX his report of the unauthorized account and charges to law enforcement ( XXXXex. Fin. Code 392.303 ( 3 ) ) ; and misrepresenting the character, extent, or amount of a consumer debt ( Tex. Fin. Code 392.304 ( XXXX ) ).
Capital Ones violations of the TDCA subject XXXX XXXX to liability not only for my clients actual damages but also attorneys fees, exemplary damages, and statutory damages. The TDCA is a Texas Deceptive Trade Practice Act ( DTPA ) tie-in statute, meaning that Capital Ones violations of the TDCA also constitute violations of the DTPA. Tex. Fin. Code 392.404. Thus, XXXX XXXX could find itself liable to treble actual damages ( which include mental-anguish damages ). XXXX XXXX should also be aware that each violation of the Texas Debt Collection Act constitutes a criminal misdemeanor punishable by fines. These remedies available to my client are in addition to the remedies available to my client against XXXX XXXX and XXXX for their grossly negligent conduct that created this problem in the first place. Moreover, XXXX XXXXXXXX is directly liable to my client for the negligent, grossly negligent, and fraudulent acts by XXXX pursuant to the Truth in Lending Act ( TILA ) and Regulation Z. See, e.g., 12 C.F.R. 1026.12 My client has suffered significant economic and emotional harm because of XXXXXXXX XXXX and Sakss actions and inactions. My clients economic damages include, but are not limited to, the time he lost trying to resolve the fraudulent account and the damage to his credit reputation. My client also has and continues to suffer severe humiliation, XXXX, and mental distress since the XXXX XXXX first began fraudulently reporting the accountlet alone the delinquent accountto the credit bureaus. The loss of his credit reputation and lost time has caused my client sleeplessness, loss of appetite, and a strained relationship with his family. Accordingly, on behalf of my client, demand is hereby made that within 60 days of receiving this letter, XXXX XXXX and XXXX pay, jointly and severally, the following amount to compensate my client for the damages XXXX XXXX and XXXX have caused : 1. {$25000.00} for economic damages suffered by my client ; 2. {$25000.00} for mental anguish damages suffered by my client ; and 3. {$1500.00} for legal expenses, including attorneys fees.
In addition, I demand that XXXX XXXX immediately : ( i ) permanently close the account in question; ( ii ) permanently remove all interest and late fees applied to the account; ( iii ) cease reporting negative credit activity to the credit bureaus regarding the account; and ( iv ) take all actions necessary for the credit bureaus to remove all information related to the fraudulent account and fraudulent charges.
Please understand that we bring this demand in the spirit of compromise. According to our analysis, our demand represents a tremendous savings to you given XXXXXXXX XXXX and XXXX potential exposure to my client. We hope you view this demand as a good faith, conservative effort on our part to resolve this potential litigation expeditiously on amicable terms.
We trust you will immediately respond, in writing, to this formal demand letter and comply with all demands made herein within the timeframes specified. If you have any questions regarding this matter or need additional information, please contact me or have your attorney contact me.
Very truly yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Telephone : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX cc : XXXX XXXX XXXX XXXX ( XXXX ) cc : Federal Trade Commission ( via additional online complaint ) cc : Consumer Protection Financial Bureau ( via additional online complaint ) cc : XXXX ( online dispute and Priority Mail ( XXXX XXXX XXXX, XXXX, TX XXXX ) ) cc : Equifax ( online dispute ) cc : XXXX ( online dispute and Priority Mail ( XXXX XXXX XXXX, XXXX, PA XXXX ) )
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04/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
What I am about to unfold will change everything and I strongly urge to take seriously.
Additionally, this complaint will help provide a documented history for the Federal Lawsuit I will be filing against current CEO XXXX XXXX XXXX XXXX XXXX, former Ceo XXXX XXXX and possibly incoming CEO XXXX XXXX.
First and foremost, I cant think of a more deplorable, defiant & remorseless Corporation than Equifax, which currently fields the most complaints of any company in any industry.
More urgently the damage Equifax typically causes on me or any other voting citizen is unrepairable and also causes more destruction/harm than any other industry i can think of.
Despite a history of conspicuously providing faulty and inaccurate information, and decades of continually refusing to make real changes to assure they are providing correct information. Equifax alternately schemes to find ways that give the appearance of being Law-Abiding and all this is at the direction or knowledge of the CEO and board of Directors.
Summary of Facts concerning my issue ( s ) : Way back around XX/XX/XXXX, I attempted to place a 90-day Alert to my credit report I assumed this information, as required by law, would be shared with XXXX & XXXX.
Incredibly in early XXXX, I received a letter from Equifax refusing to ad the Alert ( see attached letter dated XX/XX/XXXX ) I spent the next couple months fighting for a 90-day Alert to be added ( I was unaware during this time my Identity had already been compromised and damage continued through this period ) Note * An Alert would have prevented months more of damages!
In XX/XX/XXXX & XX/XX/XXXX, I filed ID theft reports and Request to block accounts, which are still reporting on my Equifax credit report. Equifax Never responded to the XXXX request and Denied the XXXX XXXX Request. Completely and willfully IGNORING what the law requires.
On XX/XX/XXXX, I Filed another ID Theft report and Affidavit ( FTC report # XXXX ). I certified mailed this along with an affidavit of identity, proof of address along with other documents. ( See attachment ) On XX/XX/XXXX, I filed another ID Theft report and Affidavit ( FTC report # XXXX ) identifying one ( 1 ) XXXX, two ( 2 ) XXXX accounts, & two ( 2 ) XXXX account, also claiming the following inquiries were not authorized by me ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. As in my previous, signing an affidavit of XXXXdentity & Affidavit Under penalty of perjury and certified mailed all documents to EQUIFAX. ( See attachments ) EQUIFAXS biggest problem & Display of their complete defiance of the law. : Equifax literally admitted to a direct violation of the FCRA in their response dated XX/XX/XXXX, confirmation # XXXX. ( See Attachments ) Here is Equifaxs response ; Under Results Of Your Investigation We Have reviewed your concerns and our conclusions are : Please be advised that Equifax, at this time, will NOT BLOCK the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf.
*********WOW!!!! ***** Equifax knows they have no choice in this matter to block the claimed accounts as long as I provided the proper documentation, which I have 4 times.
The FCRA 605B ( c ) explicitly sets forth reasons Equifax must provide in order to deny or rescind a block of information from an individuals credit report who has filed an Identity Theft claim.
Equifax did NOT provide a specific reason as required that permit them to deny. ( Another violation of the law ) They are somehow under the delusional belief that if the furnisher mantians a disputed account as belonging to the ID THEFT Victim, this will release them ( Equifax ) from any violations or damages. WRONG!!!
The asserted reason of conducting an investigation is not a condition of blocking under section 605B. This was mentioned numerous times in the minutes when Congress created these policies and in a memo from : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX RE : XXXX XXXX XXXX XXXX XXXX FCRA Legislation, H.R. 2622 In other words, CRAs are required to BLOCK tradelines claimed by consumers within 4- days as long as the consumer signs an Affidavit and files a signed Identity Theft complaint, period!
The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report or FTC Identity Theft claim. EQUIFAX could have always had the Blocked account ( s ) unblocked once the furnisher completes a Proper or reasonable investigation and determines otherwise.
However, EQUIFAX has now lost its rights under that option for their willful and defiant choice to ignore well established rules and law.
Therefore, I am requesting for EQUIFAX to : Please identify which reason or reasons for each tradeline I have claimed Identity theft that Equifax has denied my request to Block.
Was it..
a ) Made in error? if this is Equifaxs reason please provide the specific error so I have an ability to correct it or address this error.
Or was it b. ) a misrepresentation of material fact relevant to the request to block? If EQUIFAX claims this reason please provide me with the Material Fact EQUIFAX claims was misrepresented and provide the proof as required by law that EQUIFAX received in their investigation, when EQUIFAX received this information, how EQUIFAX received this information and the source of the information.
Or was it c. ) you have obtained possession of goods, services or money as a result of the transaction issue? If EQUIFAX claims this reason, please provide me with the specific goods, services or money I have obtained. When EQUIFAX received this information, how EQUIFAX received this information and the source of the information.
Additionally, I am requesting if my case has been forwarded to a Working Group or specialized personal for evaluation and to identify this group or personal.
This is as clear as i can be. I am hoping EQUIFAX does not try to dilute their response with irrelevant nonsense. I mean, I would hope the purpose for both sides is to resolve this issue and the best way to do that is with clarity and transparency. Please understand the longer this takes the more damage myself and other victims would be exposed to.
A certified letter with this duplicate information will be sent out on XX/XX/XXXX to ensure I have used all viable options for notice.
HOWEVER, whatever EQUIFAXS reasons are now is irrelevant, my complaint is that EQUIFAX continued refusal to Block accounts within four ( 4 ) days, which myself and thousands of others properly claimed as a result of Identity Theft. EQUIFAX has deliberately implemented a scheme for the sole purpose to manipulate, rebel and disregard the FCRA and other State laws. They do this knowing it will cause more harm to Victims of Identity theft, possibly ruin lives, so they can show favoritism and loyalty to paying customers, otherwise known as the furnishers.
As a result of EQUIFAXs refusal to follow the law, XXXX XXXX was able to file a civil complaint against me, forcing me to spend thousands more by hiring an attorney. After providing documents to XXXX XXXX attorneys and forcing XXXX to finally conduct a PROPER investigation, XXXX XXXX had no other choice but to dismiss the case WITH PREJUDICE ( see attachment of dismissal ). Anyone who is familiar with XXXX legal reputation recognizes how rare this is for them to do.
****The XXXX XXXX legal case simply strengthens the legitimacy of my previous identity theft claims!
This is the same XXXX XXXX I filed an IDENTITY THEFT claim against in XXXX, & XXXX, which EQUIFAX REFUSED to block within the required 4 business days.
So either EQUIFAX never conducted a proper investigation or XXXX XXXX lied to EQUIFAX or both. Either way, I suffered a tremendous amount of damages, monetary, physically and emotionally?
OnXX/XX/XXXXand XX/XX/XXXX, I filed the identical claims in XXXX and XXXX with the following accounts : XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct. # XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Just like my XXXX XXXX claim, none of these accounts were ever BLOCKED as required by law. Just like my XXXX XXXX claim, EQUIFAX claims to have conducted a proper investigation Just like my XXXX XXXX claim, EQUIFAX claimed THE INFORMATION YOU DISPUTED HAS BEEN VERIFIED AS ACCURATE.
Currently, EQUIFAX continues to allow these five ( 5 ) accounts to report on my credit report.
Is EQUIFAX going to follow the law this time and block those accounts?
Investigating my claim of ID Theft now is irrelevant. WHY? EQUIFAX CHOSE to ignore their legal requirement. Whereas, I followed the law, EQUIFAX CHOSE not to follow the law.
The big question now ... Will EQUIFAX CHOSE to continue to be defiant, forcing me to spend thousands more in legal fees, therefore work years longer into what should be my retirement years.
Nevertheless, I now have all the information needed to make EQUIFAX and their XXXX CEO and Executives ACCOUNTABLE!
I can promise you, A FEDERAL LAWSUIT is on its way YOU XXXX & DO NOT expect any settlement without the entire board stepping down and WITHOUT any Severance pay. ( The times of executives receiving a severance pay for their unlawful and/or dereliction of duties MUST end ). Anything short of that and we will have a jury trial, which I strongly prefer.
*YOU HAVE UNTIL XX/XX/XXXX to BLOCK THE ACCOUNTS I HAVE BEEN REPORTING * XXXX XXXX found out the hard way, but I have a feeling Equifax will also roll the dice.
Cc : XXXX XXXX XXXX Cc : FTC CC : XXXX XXXX investigative reporter XXXX ( 14 time XXXX award recipient ) XXXX XXXX
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09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual.
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.
The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party.
I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Regards XXXX XXXX Accounts Requiring Immediate Updates : XXXX XXXX with Account # XXXX is a paid off account but is reporting with ( 2 ) 30 day late payments which is not accurate and a defamation of character to myself and consumer report. Please remove the late payments immediately and reflect my account in the positive with no late payments.
15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
(g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
24. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
25. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
26. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
27. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
28. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
29. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
30. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
31. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
32. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
33. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
34. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
35. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
36. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
37. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
38. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
39. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
40. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
41. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
42. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
43. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
44. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
45. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
46. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
47. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
48. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
49. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
50. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
51. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
52. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
53. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
54. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Law Firm XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX credit report agency failed to investigate illegally activity identity thefts fraudulent paperwork refuse to investigate the original application make sure correct owner failed to provide documentation from XXXX XXXX XXXX XXXX XXXX to provide XXXX form identification provide by federal regulations guidelines applys to all Leanders in the United States department of Treasury securities of exchange FTC commission regulations wasn't no state issued identification on record make it invalid application should been denied approve until identification can be verified along with XXXX credit report reported me on the file sents XXXX with out my knowledge my personal information was expose cross the United States an other out side county's applying for business loans mortgage loans other loans received the loans than worth it off as debt sign off with out my permission or my knowledge i suffer from getting denied credit denied placed of residence cause me to become homeless XXXX allowing this operation to happen with investigation my personal information can't be verified due data breaches an now XXXX XXXX XXXX XXXX harrissing me for payment that XXXX XXXX XXXX XXXX XXXX collect multiple times as paid debt on time payment due to XXXX credit report agency allowing XXXX XXXX XXXX XXXX to continue to report delinquency on my credit report unpaid debt illegally corrupted they refuse to remove XXXX XXXX XXXX XXXX status account belong to me now I'm stuck suffering because of this an I suppose revenue commissioner unlawful activity company 2000 + credit use my personal information to apply loans I hold accountable for this XXXX Equifax deleted XXXX XXXX XXXX XXXX off my credit report bet XXXX failure to investigate this fraudulent activity company running illegally allowing out country worker for the company so they don't half to file taxes on out country employees who collecting or personal information use it unlawful consumer support another failure to this company I here request full investigation request the original application which should have verification supposed to have to denied or approve line of credit which can't be verified no state issued identification number on record XXXX request I Mail my social security number an state issued identification valid ID so they can try to cover their tracks due to the company having some type affiliation with these companies try collect an try to harm consumer credit score my credit score should be in good standard of standard instead they helped XXXX XXXX XXXX XXXX to defraud my credit report about payment I have nothing to do with never provided any type documents to apply for credit mistakes identity don't confuse me with family or friends have smiler name like mine using my social security number with out provide state issued identification number match my identity that why we supposed always keep valid identification up to date my personal information can't be verified in banking system that XXXX department refuse to correct to my identity cyber security effect with Identity thefts so I can't receive my E bond EE bond I bond because my personal information don't match the record bet with government issue bonds stocks shares bank is using an issue out to other lenders I'm not receiving a dime I'm homeless because I'm keep getting denied credit card an other loans I'm the own the bond why the bank take over my estate property bonds illegally because they don't wanna correct my personal information in Data base system deleted all fraudulent accounts from my credit file cause my credit score to by XXXX points make it poor so I can't get credit get approved due fraudulent company XXXX XXXX XXXX failed removal them self from my credit report like XXXX Equifax removed XXXX XXXX XXXX XXXX off my credit report identity thefts why XXXX failed to comply with federal regulations guidelines reported illegally activity keep dropping my score self builder account paid in full XXXX credit report reported something else on my credit report under they name now using it fraudulent instead increased my score drop my score to XXXX poor wrong illegally operation violation rights Equal rights protection under 14 amendment united State Constitution federal law they in violation caused me harm an mental depression allowing this operation to happen to me cause me pain im correct homeless right now because all the bank toke my asset an sold all government commercial property cause me to lose revenue unredeemed bond that that mature refuse to provide access XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they all denied my right to assets my assets treating to arrest me if I come on property due to im black man with asset that they toke transaction embezzlement money laundering wire transfer fraudulent fraudulent documents not be reported to IRS land taxes an XXXX credit report agency involved with this corrupted banking system allowing this to happen to me toke control over my life an my identity all they asking me to mail my social security number an identification number why so they can have full access to my personal information to use against me or for the self i refuse to provide or Mail my personal information someone can take or steal USD again I'm supposed be protected by paperwork reduction act registration license active XXXX XXXX XXXX XXXX CFPB regulations G 3170-0005 XXXX XXXX XXXX XXXXXXXX they refuse to analogy it it wrong my personal information need to be investigated bank need to be hold accountable for stealing government bonds assets for they own benefits reasons after this just happen again now still operating illegally when this going stop when I'm get my identity back XXXX credit report agency an XXXX XXXX XXXX XXXX must provide documentation the original application must have everything on social security number an state issued identification expiration date years the license was issued an state which it was issued at can't prove that an u approve credit with correct verification verify identity an place of residence I'm not responsible for providing this document to nobody until this complete investigation be completed an I hereby request XXXX XXXX XXXX XXXX be deleted off my credit report an XXXX XXXX XXXX shouldn't be on my report due to error they made mistake they made on XXXX XXXX XXXX corporation denied my application with notifying me an they removed it they holding my government bonds XXXX XXXX I'm the holder of them asset an they toke it request mail identification cards an socal security number copy an Mail with it can be misplace or lose not taking no risk to anyone that not me I hereby request XXXX Equifax an XXXX notify these companies inform them my credit is in good standard an they can't run no credit check to identity fraud an automatic approval for home loans mortgage loans credit card proved by federal regulations guidelines an protect by federal paperwork reduction act registration license all 3 credit report agency supposed to notify these banking companies an loan company informed them my credit is in good standard can't no company run any type credit report or check my credit due to fraudulent activity refuse to update the information an forward it to banking system XXXX registration fails to comply with federal regulations guidelines effect my ability to leave an hold my own property an assets that these banks is collect an withdrawal from my savings account an my trust account were they claimed powers of attorney because my identity can't be verified because credit report agency is harming my score get denied credit loans when.im.in title to compensation were I never received because they refuse to pay debt settlement agreement that was made by federal judges in united State of New York XXXX global market cap that belong to me now credit report agency failed to comply still operating illegally violation consumer rights protection act everything must be updated an address must be corrected all fraud account must be removed including XXXX failed to comply with federal regulations guidelines reported incorrect information just provide us with requirements to apply for credit an any line of credit failed to do is automatically lawsuits pain an suffering motions damaged cause me to be homeless everything must be reported an delivery to Alabama banking association federal reserve commission an FDIC insurance corporation security exchange commission an FTC commission along everyone must update this employment position on my credit report an also my personal information my be corrected I am Protection under safe act an paperwork reduction act registration license I must receive my credit loan license requirements by federal regulations every one must follow federal regulations no land should be auction off illegally failed to report federal revenue tax corporation force they XXXX registration license revoked I am the supervisor over all federal banking system an credit union no everyone must pay federal land tax lease they place of employment no federal land is for sale running illegal operation with proving revenue reported failure to comply with federal regulations guidelines NMLS registration license automatic revoke filing falsely documents an report all banking system Cross the United States operation business with any stocks or shares in corporation landing out funds with permission automatic revoke an suspension or find maybe prosecution effective immediately XXXX illegally banking transaction embezzlement money laundering wire transfer tax fraud federal offense prostitution will be filed stop to corrupted businesses agency running illegally scam with out paying federal land tax federal commercial sale illegally commercial property with federal regulations license all banking is under federal regulations failed to. Comply guidelines civil law be enforced
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08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1993 I am writing to file a formal dispute and seek your assistance in addressing multiple violations committed by various creditors that have significantly impacted my financial well-being and personal life. I kindly request your intervention to enforce my legal rights and ensure the removal of unverified accounts from my credit report, in accordance with the applicable laws and regulations.
Over the past few years, my financial health has been adversely affected by unauthorized credit inquiries, questionable account information, and unverified accounts that have appeared on my credit report. These actions have caused immense stress, XXXX, and frustration, not only due to their detrimental impact on my credit score but also because they have disrupted my ability to secure favorable financing options for essential life needs.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report.
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report.
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX | XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
These violations have not only impacted my financial stability but have also taken an emotional toll on my well-being. As a result of the unauthorized actions and unverified accounts, I have faced difficulties in securing favorable interest rates for important life milestones, including buying a home and securing reliable transportation for my family. The stress and worry caused by these events have affected my overall quality of life, causing sleepless nights and feelings of helplessness.
In light of the aforementioned violations and their profound impact on my life, I implore the Consumer Financial Protection Bureau to advocate on my behalf and ensure that my legal rights are upheld. I request your assistance in compelling the creditors responsible to remove these unauthorized and unverified accounts from my credit report, thereby restoring my financial integrity and providing me with a fair chance to pursue my life goals without unnecessary impediments.
Thank you for your attention to this matter, and I greatly appreciate your assistance in rectifying these injustices. Please feel free to contact me at XXXX or XXXX if further information is required.
Sincerely, XXXX XXXX XXXX
|
11/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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NOTICE : Filing on behalf of XXXX XXXX XXXX not XXXX XXXX this is identity theft and creation of an dead person or entity that does not exist.
NOTICE TO THE CREDIT BUREAUS EQUIFAX, XXXX, XXXX, WE NOTICE THAT SOMEONE WITHIN YOUR AGENCY ARE WORKING FOR THE PARTIES AT SUIT.
To ; CFPB we reviewed the responses by the credit agencies and none answered the questions of 1. how is this a Security and a mortgage at the same time. Rather they assumed that i said within my complaint that i signed an agreement with XXXX XXXX and XXXX XXXX XXXX when this is a lie. 2. All three credit agencies stated that i have a mortgage signed with XXXX XXXX and XXXX XXXX XXXX when this is false also. My purchase of my home was with a different mortgage company not with either XXXX XXXX or XXXX XXXX XXXX. They also stated that they agreed with the two XXXX XXXX and XXXX XXXX XXXX that there is a mortgage and that they had the right to file on my credit history 60 days after i purchased my home with XXXX XXXX XXXX XXXX XX/XX/2018 so how is this apart and correct or connected with XXXX XXXX or XXXX XXXX XXXX. This is fraud and i shall add you to the lawsuit once its filed if this is not removed from my credit history.
I iam XXXX XXXX XXXX am in sound mind made the decision to address this issue without anyone pushing me. i XXXX XXXX XXXX in sound mind and body purchased a home from XXXX XXXX and not from XXXX XXXX XXXX nor XXXX XXXX. They have intruded upon my privacy and falsely claimed that i somehow met with either corporation and purchase a home from them. Without verification and validation the credit agencies seemed to agree with the two unknown agencies XXXX XXXX XXXX whom are extorting me and XXXX XXXX whom somehow acquired an illegal mortgage without my consent nor knowledge of.
They claim i XXXX XXXX XXXX in sound mind and body owe them money but would not express what type of currency is due or owed. When all the Banks and Corporations herein this matter did not responded to my cease and desist notice asking how was the funds created and where did the funds come from? They failed to answer. When i asked how did they obtain my private information they failed to answer. Rather somehow they shared some information with the Three credit agencies and they agree that their is a mortgage debt due but did not share this information that is supposed to be my private information with me XXXX XXXX XXXX in sound mind and body. For this i am filing a small claims law suit against all three in the amount of {$5000.00}. For two out of the three have been breached for identity thieves to gain access to my private information. As well they seem to agree with XXXX XXXX or XXXX XXXX XXXX whereas i have not obligations nor a contract with. I never met with anyone from either company as well i have never signed nor agreed to my property becoming a mortgage to be sold as a security instrument rather it is impossible for a security instrument to be a mortgage. It can only be one, a mortgage or an security instrument. For if the instrument was secured there could be no debt.
Therefore when they could not and did not answer as in i set up correspondence with the CEO of both agencies banks or corporations and they failed to answer within the allotted thirty days. So they received a Failure to Respond notice. According to the FDCPA they must have validated the alleged mortgage or security instrument before answering. They have failed to do so, rather somehow all three credit agencies claim that i XXXX XXXX XXXX a woman in flesh and blood signed a contract with XXXX XXXX XXXX and XXXX XXXX and this is a lie. They also assumed that i am in some agreement to buy a home from either corporation and or agency and this is also a lie. They stated within their response false accusations without verifying facts nor evidence. None of this alleged information was shared with me that was shared with all three credit agencies and this is fraud.
They also lied within their response that i made mention that i had signed or purchased my home from XXXX XXXX XXXX or XXXX XXXX and this is also slander and libel for they said it and wrote it and placed it within the CFPB website making it public record. False and fraud is this information.
To the CEOs whom never responded : ill give you proper due process to respond within the next thirty days [ 30days ] to verify and validate this alleged mortgage, and proved me with the evidence written documents according to FOIA freedom of information act, which is The basic function of the Freedom of Information Act is to ensure informed citizens, vital to the functioning of a democratic society. This information was kept from me as all three credit agencies acted as if they shared the same information that XXXX XXXX and XXXX XXXX shared with them, i have no such information and i am requesting this information asap.
My documents are not third party and are from the original intent to correct my identity when ever someone attempts to use it illegally or without my consent or permission. This is the case right now.
The Credit Bureaus Company 's Response Thank you for submitting your complaint on XX/XX/2018, through the BCFP Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the BCFP portal and directly to XXXX. In your complaint, you indicated that your mortgage account was transferred without your consent. You are requesting that the information regarding the new creditor in charge of the mortgage be removed. We are in the process of contacting the disputed data furnishers to verify the accuracy of the information of the accounts with which you disagree. Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you. A transferred debt may display on your credit report under the name of the original company or account, and also under the new company or account after it was transferred. An account that displays as transferred indicates that either the debt was bought by another company or the debt was transferred to another account with the same company. A personal credit report, by law, must list all parties that have requested a consumers credit history. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit information. Requests for your credit history remain on the personal credit report for 2 years. The federal Fair Credit Reporting Act ( the FCRA ) section 604 outlines permissible purposes of consumer reports. The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that XXXX does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the BCFP Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX.
I XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. The records your Exd out does not comply with the FDRA Company responded on XX/XX/2018 Company 's Response According to our system, we have not received any previous investigation requests from you in regards to the disputed information. In response to your complaint, an investigation was initiated into XXXX XXXX XXXX # XXXX. Our investigation was completed on XX/XX/18 and XXXX XXXX XXXX # XXXX was verified as being accurately reported, along with your name, social security number and date of birth. The result of our investigation has been mailed to your current address, for your review. It is our position that the processing of your credit file has been in accordance with all applicable laws and, therefore, we are unable to accede to your request for monetary compensation.
I XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap.
XXXX XXXX CEO never responded but the CFPB sent this ; After our review, we found that the best agency to help you with your issue is XXXXXXXX XXXX XXXX XXXX. If you would like to submit your complaint with XXXX XXXX XXXX XXXX, contact them directly at XXXX XXXX XXXX or call ( XXXX ) XXXX.
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12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I sent XXXX XXXX, equifax letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX XXXX, equifax failed to remove or verify the fraudulent accounts Ive reported. Section 609 (a)(1)(A), of the Fair Credit Reporting Act XXXX XXXX equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX XXXX, equifax have on file for the account listed below. . It has been more than 30 days and XXXX XXXX, equifax have not sent any verifiable proof.
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX XXXX, equifax must remove the accounts and billing errors listed listed below.
1. The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX ,AccountNumber: XXXX.
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
2.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX XXXX AccountNumber:XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
3.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX XXXX AccountNumber: XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I
notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
4.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX (Original creditorXXXX XXXX XXXX XXXX AccountNumber: XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
5.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
6.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
7.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX (Original creditorXXXX XXXX XXXX XXXX) Balance$XXXX Account numberXXXX
Date openedXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
8.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
9.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
10.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
11.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXXXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
12.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXXXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
13.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXXXXXX Account numberXXXX Date openedXXXXXXXX XXXX XXXX XXXXou are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
14.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account numberXXXX Date openedXXXXXXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
15.The following account is not mine send me verifiable proof like a signed contract or delete XXXX XXXX XXXX Balance$XXXX Account numbeXXXX Date opened:XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
16.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX Balance$XXXX Account number: XXXX Date opened:XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
17.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX XXXX ,AccountNumber:XXXX.
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
18.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX AccountNumber: XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
19.XXXX XXXX XXXX ,AccountNumber: XXXX
I was never late on this account but your reporting late payments on my report.
you are violating 15 U.S. Code 1692c (c) of FCRA with this report please remove all late payments on this account .
20.XXXX XXXX XXXX ,AccountNumber: XXXX.
I was never late on this account but your reporting late payments on my report.
you are violating 15 U.S. Code 1692c (c) of FCRA with this report please remove all late payments on this account .
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09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate UPDATING REFLECTING NO LATE PAYMENTS AND PAID IN FULL : XXXX XXXX with Account # XXXX or Acct ending in XXXX is reporting inaccurately Proof that my account was PAID IN FULL and should be updated with no late payments ( SEE ATTACHMENT ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, TYPE OF ISSUE Debt was result of identity theft and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ XXXX ] ( XXXX ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the fair credit reporting actXX/XX/XXXXXXXX accounts, The following personal information is incorrect.
Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
9. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
11. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
12. I Was Never Late on this account XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 13. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports CRDT FIRST Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 20. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Please forward me an updated credit report after you have completed your Investigation and corrections.
Your cooperation and prompt attention are greatly appreciated.
have violated my rights.
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this m
atter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX accounts, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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XXXX XXXX XXXX, XXXX XXXX and etc. continues to report the same account multiple times on my credit report when there should not be multiple accounts displaying on my credit report with same account number but with different dates of opening the accounts and closure dates also different payments that are inaccurate and I have reached out to each company individually about this issue and according to the Fair Credit Reporting Act everything that reflects across a credit bureaus reports they are to report accurately and 100 % fairly but they are in violation with reporting erroneous, obsolete info on my credit report and I keep trying to get it corrected but it seems as if they aren't receiving my letters or just simply ignoring me and it's becoming difficult to obtain credit due to these errors on my credit report that the bureaus and creditors won't properly investigate. I have listed here the accounts that I have been coomplaining about for the past 6 months or more only for them to remain on my credit report.
XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XXXX. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 6. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 7. Under 15 U.S.C. 1681i paragraph ( 5 ) any info XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. Under 15 USC 1681 ( a ) Congressional findings and statement of purpose XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
9. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. Under XXXX XXXX XXXX XXXX permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : This is an actual warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you many notices to reinvestigate the information previously disputed. I have attached my previous items for you to revisit.
The computer-generated response I received is unacceptable and my patience is wearing thin. If the information is not immediately reinvestigated and removed, I will have no other choice but to seek legal advice for removal through the court and file complaints with the regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Remove this incorrect information at once and send me an updated copy of my credit history report.
XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX A XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 5. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 6. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 7. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 8. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 9. Under 15 USC 1681 ( a ) Congressional findings and statement of purpose XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
12. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
13. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
14. Under 15 U.S Code 1681b permissible purpose of consumers report XXXXXXXX XXXX XXXX XXXX
Account Number : XXXX Please remove it from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is an actual warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you many notices to reinvestigate the information previously disputed. I have attached my previous items for you to revisit.
The computer-generated response I received is unacceptable and my patience is wearing thin. If the information is not immediately reinvestigated and removed, I will have no other choice but to seek legal advice for removal through the court and file complaints with the regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Remove this incorrect information at once and send me an updated copy of my credit history report.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 6. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 7. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 8. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 9. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 10. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 11. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 12. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 13. Under 15 USC 1681 ( a ) Congressional findings and statement of purpose XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Under XXXX XXXX XXXX XXXX permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
15. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
16. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
17. Under 15 U.S Code 1681b permissible purpose of XXXX report XXXX XXXXXXXX XXXX XXXX.
Account XXXX : XXXX Please remove it from my credit report.
18. XXXX XXXX Account Number : XXXX
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07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Subject : Dispute of Unauthorized Credit Reporting un
der 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ), 15 U.S.C. 6801 Request for Removal Dear Sir/Madam, I am writing to dispute the unauthorized inclusion of certain items on my credit report, which I believe infringes upon my rights as outlined under the United States Code , specifically 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ). I kindly request that you conduct an immediate investigation into these matters and take the necessary actions to rectify them.
Firstly, according to 15 U.S.C. 1681 ( b ), credit reporting agencies are not permitted to include any information on an individual 's credit report without obtaining their written consent. To the best of my knowledge, I have not provided written consent for the items in question to be included on my credit report. Hence, their inclusion violates this provision.
Furthermore, 15 U.S.C. 1681 ( c ) ( 1 ) states that the unauthorized placement of items on a credit report without written consent constitutes identity theft. I assert that these unauthorized entries are a result of identity theft since I have not granted permission for their inclusion on my credit report.
Additionally, in accordance with 15 U.S.C. 1681 ( c ) ( 2 ), if a consumer notifies a credit reporting agency of inaccurate or incomplete information, the agency must promptly investigate and remove the information as necessary. Therefore, I request that you conduct an immediate investigation into the unauthorized items on my credit report and take prompt action to remove them, as they lack my written consent and inaccurately reflect my credit history.
Furthermore, it is worth noting that under the provisions of 15 U.S.C. 6801, credit reporting agencies are required to safeguard consumer information to prevent unauthorized access and use. Failure to meet these safeguards may result in violations of consumer privacy and security rights. I expect you to adhere to these safeguarding requirements and ensure the removal of the unauthorized items from my credit report.
According to the provisions outlined in the USC code, specifically Under 15 U.S. Code 1681 The definition of " INVESTIGATE '' : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have the right to dispute inaccurate information on my credit report. I exercised this right and submitted a formal dispute to the Bureau 's on XX/XX/2023. The inaccuracies pertain to Collection entry on my credit report that I have never authorized or entered into any contractual agreement with. Cease all collection activities until investigation completion. 15 U.S. Code 1681s 2, 1681a ( 3 ).
.
Despite providing all necessary documentation and evidence to support my dispute, the Bureau has failed to initiate a thorough investigation into the matter. As per the U.S.C. code definition, it is the responsibility of the credit bureau to conduct a reasonable investigation upon receiving notice of a dispute.
I am deeply concerned about this violation of the law and the potential negative impact on my creditworthiness. The failure to investigate my dispute not only undermines my rights as a consumer but also compromises the accuracy and integrity of the credit reporting system as a whole.
I kindly request your intervention and assistance in addressing this matter. I believe it is imperative for the Bureau 's to adhere to the regulations set forth in the U.S.C. code and fulfill its obligation to investigate and correct inaccuracies on my credit report.
I respectfully ask that you investigate this matter further, ensure compliance with the applicable U.S.C. code, and take appropriate actions against the Bureau 's for their non-compliance. Additionally, I kindly request that you keep me informed of any progress or developments regarding my complaint.
I kindly request that you provide written documentation of the investigation results, as well as the removal or modification of the unauthorized items, within 14 business days.
Please consider this letter as my formal request for an investigation and resolution of the unauthorized credit reporting entries on my credit report. I trust that you will fulfill your obligations under the law and promptly address this matter.
Lastly, I kindly request that you initiate a comprehensive investigation into these disputed items as outlined in my dispute. Please ensure that the investigation is conducted in accordance with the relevant sections of the FCRA, including but not limited to : 15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate/Invalidated Credit Information 15 U.S. Code 1681e ( b ) - Compliance Procedures for Maximum Possible Accuracy 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies under FCRA 15 U.S. Code 1692e - False or Misleading Representations under FDCPA 15 U.S. Code 1681a ( 3 ) - Restriction on Sharing of Medical Information 15 US Code 1681b ( 4 ) - Limitation on Redisclosure of Medical Information 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report 15 U.S. Code 1666 ( b ) - Billing Error under TILA 15 U.S. Code 1605 - Determination of Finance Charge During the investigation period, I kindly ask that you place these disputed items in dispute and refrain from reporting them to any third parties. I also request that you contact the relevant data furnishers and inform them of these disputes, instructing them to cease reporting the disputed items until the completion of your investigation and the resolution of these matters.
Below you will find all the items that are inaccurate : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rati XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rati XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rati XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX Please remove it from my credit report.
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Sincerely yours, XXXX XXXX
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09/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
|
02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, TX XXXX- This address is not correct. Delete it immediately from my report.
2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX -This address is not correct. Delete it immediately from my report.
3. The following personal information is incorrect Account XXXX : XXXX - This is not my employer. Delete it immediately from my report.
4. The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my employer. Delete it immediately from my report.
5. The following personal information is incorrect Account XXXX : XXXX XXXX XXXXThis is not my employer. Delete it immediately from my report.
6. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
20. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
21. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
22. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
23. Account XXXX : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
24. Account XXXX : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
25. Account XXXX : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
26. Account XXXX : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
27. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
28. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
29. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
30. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
31. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
32. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
33. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
34. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
35. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
Servicemember |
RE : Member ID XXXX Consumer Lending and UDAAP Violations.
My XXXX Member is XXXX, and I was the victim of identity theft. In response to this identity theft and fraudulent activity, XXXX took adverse action which affected all my accounts held with XXXX. This included 3 credit card accounts, a checking and savings account, auto and renters insurance, my auto loan, and a certificate of deposit account.
The purpose of the FCRA is " to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information. The FCRA outlines a consumer 's rights in relation to his or her credit report, as well as permissible uses for credit reports and disclosure requirements. In addition, the FCRA imposes a duty on consumer reporting agencies to ensure that the information they report is accurate, and requires persons who furnish information to ensure that the information they furnish is accurate.
While XXXX was repeatedly notified, I was the victim of identity theft and provided many acknowledgments to this fact, they have continued to provide fraudulent and negative data to the CRAs associated with the identity theft.
The FACT Act, signed on XX/XX/XXXX, includes, inter alia, a number of amendments to the Fair Credit Reporting Act aimed at preventing identity theft and assisting victims. Generally, these new provisions mirror laws passed by state legislatures and create a national standard for addressing consumer concerns with regard to identity theft and other types of fraud.
In addition to the fraud alert, victims of identity theft XXXX also have information resulting from the crime blocked from their credit reports. After the receipt of appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of the allegedly fraudulent information, and a statement by the consumer that the information is not information relating to any transaction conducted by the consumer, a consumer reporting agency must block all such information from being reported and must notify the furnisher of the information in question that it may be the result of identity theft. Requests for the blocking of information must also be referred to other consumer reporting agencies.
Victims of identity theft are also allowed to request information about the alleged crime. A business entity is required, upon request and subject to verification of the victim 's identity, to provide copies of application and business transaction records evidencing any transaction alleged to be a result of identity theft to the victim or to any law enforcement agency investigating the theft and authorized by the victim to take receipt of the records in question.
I made requests to block all fraudulent information being furnished by XXXX in connection with the identity theft incident. However, XXXX verified the fraudulent information with the CRAs resulting in it not being removed from my credit reports.
The Fair Credit Billing Act ( FCBA ) provides consumers with an opportunity to receive an explanation and proof of charges that may have been made by an impostor and to have unauthorized charges removed from their accounts. The purpose of the FCBA is " to protect the consumer against inaccurate and unfair credit billing and credit card practices. '' The law defines and establishes a procedure for resolving billing errors in consumer credit transactions. For purposes of the FCBA, a " billing error '' includes unauthorized charges, charges for goods or services not accepted by the consumer or delivered to the consumer, and charges for which the consumer has asked for an explanation or written proof of purchase.
Under the FCBA, consumers can file a claim with the creditor to have billing errors resolved. Until the alleged billing error is resolved, the consumer is not required to pay the disputed amount, and the creditor may not attempt to collect, any part of the disputed amount, including related finance charges or other charges. The act sets forth dispute resolution procedures and requires an investigation into the consumer 's claims. If the creditor determines that the alleged billing error did occur, the creditor is obligated to correct the billing error and credit the consumer 's account with the disputed amount and any applicable finance charges.
On 06/30/2017 Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act I once again formally notified XXXX that I was a victim of identity theft and requested all records from each account adversely affected. This request was ignored and none of the requested information has been provided.
In XXXX the OCC issued a consent order and fined XXXX for the following violations : ( 1 ) The Bank has failed to implement and maintain an effective compliance risk management program and an effective IT risk governance program commensurate with the Banks size, complexity, and risk profile. The Bank has deficiencies in all three lines of defense ( first-line business units, independent risk management, and internal audit ) in its compliance risk management program.
( 2 ) As a result of the deficiencies described in Paragraph ( 1 ) above, the Bank engaged in violations of law, including but not limited to violations of the Military Lending Act and the Servicemembers Civil Relief Act. Such violations are being remediated pursuant to Article VI of the XXXX Order.
( 3 ) By reason of the foregoing conduct, the Bank engaged in unsafe or unsound practices and violations of law, which were part of a pattern of misconduct.
Summarizing applicable Standards for UDAAPs Unfair Acts or Practices, the XXXX Act prohibits conduct that constitutes an unfair act or practice. An act or practice is unfair when : It causes or is likely to cause substantial injury to consumers ; The injury is not reasonably avoidable by consumers ; The injury is not outweighed by countervailing benefits to consumers or the competition.
The FCRA, by contrast, defines adverse action more broadly to include section 701 ( d ) ( 6 ) of ECOA. Denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; A denial or cancellation of, an increase in any charge for, or any adverse or unfavorable change in the terms of a government license or benefit ; or in connection with account review that is adverse to the consumers interests.
XXXX routinely made statements in direct opposition to the statutes and regulations mentioned above. Upon contacting XXXX, I was repeatedly told I needed to speak to XXXX. I left hundreds of messages for XXXX and her manager all of which were never returned. The only response I would receive was vague and ambiguous statements made by XXXX, oftentimes which had no bearing on the concerns raised and violation notices brought to the attention of XXXX. XXXX made false and accusatory statements pointing blame at me, the cardholder, and illegally ignored their legal obligations.
XXXX has become known for its many unfair, deceptive, and abusive acts. While it has become the case rather than the exception for XXXX to violate its member 's rights. XXXX failure to comply with FCBA, UDAAP, FCRA, and the cardmember agreement led to the adverse actions taken by XXXX, XXXX furnishing negative and fraudulent date to the Credit Reporting Agencies, as well as selling off a fraudulent debt to third party debt collectors in clear violation of the above statutes as well as the Military Lending Act.
I would appreciate your prompt attention and direct response to EACH of the following issues in detail : XXXX inability to refund fraudulent transactions promptly XXXX providing final credits to my CC accounts and the illegal decision to reverse the credits issued for the fraudulent transactions XXXX closing restricting my account access in connection with the fraudulent activity reported o If the adverse actions were not due to the reported identity theft, a detailed explanation for the restriction to my online access, closure of all my accounts, and fraudulent furnishing of data to the CRAs.
o To date the only explanation XXXX has provided is to say they have decided no longer to do business with me for banking violations. No detailed examples or explanations have been provided as legally required. I require a detailed explanation.
XXXX refusal to provide physical credit card statements, loan statements, account ledgers, or brief refusal to accept payments from external accounts for my auto loan.
XXXX illegally, selling the debt accrued as a result of fraud to 3rd party debt collectors.
XXXX marketing the XXXX credit secure and id theft and monitoring service as a professional service to help recover ones identity when stolen. This is not an accurate portrayal, as I paid for this service but received no such help.
With regards to my most recent auto loan XXXX failing to provide an account ledger to date, accurate billing statements, account origination and loan documents, and all other legally required documents.
I appreciate your prompt attention to these many issues. I would ask you to FULLY and ACCURATELY reply to EACH of these issues raised above, in full detail. This has yet to be completed by XXXX, who often fails to even comment on any issues and has always failed to provide a legally required, complete, and detailed explanation for the account closures and adverse action.
Regards, XXXX XXXX
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03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
7. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
11. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
12. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
13. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
14. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
15XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
16. XXXX Account XXXX : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
17. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
18. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
19. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
20. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
21. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
22. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
23. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
24. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
25. XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
26. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
27. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
28. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NWWashington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have attached all of the accounts in question that MUST be removed from my credit report. I have highlighted all data, inconsistencies, etc that must be removed and the violations.
I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data furnishing reporter ( s )? Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I therefore am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove any alleged unproven negative information of which I have lodges a contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( XXXX ) with redacted truncation. In mathematical reality, this makes impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true account number, whatever it might be, actually has exactly and only the reported data fields and reported data field information as proclaimed by the alleged accusing data reporting furnisher? Further, I ask, given the redacted values within the alleged charged off claim versus me, how can it possibly be confirmable the impeccable reporting when it's not provable the displayed data fields are in and of only perfect alignment with the exact information from such data field ( s ) related to only the one account number that would be supposed truly and provable mine yet not even exposed at all? As example, if were 4 redacted values in any truncated number, there is at least XXXX potential account numbers ( XXXX ) that would satisfy filling in those redacted values yet only one COULD BE THAT OF THIS REPORTING. MATHEMATICALLY, IT IS IMPOSSIBLE FOR ANY ALLEGING DATA REPORTER OR ANY ACCEPTING REPOSITORY OF DATA TO KNOW IN CERTAINTY THE CLAIMS MADE ARE FACTUAL, VERIFIABLE, VALIDATABLE, COMPLIANT, MUCH LESS CONFIRMATIONAL if said considered information is from a concerning truncation. Another potential ailment in the reported claims adherence to requirements appears to be the reported base field 15 related to the scheduled monthly payment amount. This deviation highlights the likelihood of questionable reporting, an infraction of the ethical and lawful reporting practices of each or either the alleging data reporting furnisher and any accepting repository.
The universal requisites, at a minimum, includes adhering to any and all applicable federal and state statutes, regulations, and standards which is required to ensure that the involved entities each have the correct policies and procedures in place to document their confirmed certifiable compliant reporting process even to the mandates to adhere to the Metro 2 data-filled field formatted reporting standards, of which no omitting nor deviations from the aforementioned standards can exist without jeopardizing the claimed data 's integrity calling into question its ethical and or lawful retaining of the very conditional privilege to report complete, true, accurate, physically proven data. THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused versus me. In this, accept my challenging of you and or the reporter for proof of adequate confirmed reporting process including the mandatorily utilized Metro 2 format. CLEARLY INACCURACIES CANT BE CERTIFIABLY COMPLIANT!
I ask, DID OR NOT THE accusing REPORTER actually SATISFY THEIR very CONDITIONAL PRIVILEGE TO even REPORT? As you are aware and as I too am aware as a litigious currently injured consumer, THERE IS NO " RIGHT TO REPORT ''.
I n addition t o m y CONTEST of THE data reporter 's claim ( s ) ' REPORTABILITY, understand also this IS TO CHALLENGE THAT SAME REPORTER and or any accepting repository ( yourself included ) to demonstrate or make demonstrated PROOF that a confirm-able ( certifiable ) compliant reporting process was used. This demand is to include in that certified compliant reporting process evidence ensuring that the mandatorily utilized Metro 2 Data-filled field formatted reporting standards WAS IN fact perfect as used. Per CDIA 's own most recently rendered version of the CRRG manual it is stated in clarity on 3-4 that there can be no deviation from the standards nor omitting of requisite reported aspects without jeopardizing the integrity of the data alleged. Additionally stated are the guidelines that are purposed for the ensuring of consumer reporting to be most fair, true, correct, timely, and complete in total agreement with at least the FCBA, FCRA ECOA and all applicable state laws. Clearly, failure to prove a certifiably compliant reporting process potentially lends to bringing concerns that the alleged claim ( s ) by any or each reporter is questionable, at least. There is no assumption by me as the potentially injured consumer that the information reporting seemingly deficient of each any and all of the mandatory requirements in regard to the standards indicates certainty of any claim having been made by reporter known to be untrue, incorrect, untimely, incomplete, unverifiable, invalid, nor otherwise improperly reported. However, let me remind you of the fact that it is the onus of the reporter ( not consumer ) to present and or provide ONLY DATA THAT IS UNQUESTIONABLY provable as true, timely, correct, and is adequately complete information of which is also factually verifiable as even being undeniable in its validity in total adherence to any and all of the mandates with absolute accordance to at least the FCBA FCRA ECOA and each any and all applicable state laws.
In was suggested by the CDIA and is my agreed opinion that ONLY confirmable certified compliance to the Metro 2 format gives greatest assurance that the reporter did on fact report fairly and otherwise ethically within the regulations of which were deliberately designed to limit or eradicate injurious misrepresented information accused of and reported against a consumer.
> CHECK IF OR NOT REPORTER TRULY SATISFIED MINIMUM CRITERIA TO HAVE GAINED THE PRIVILEGE TO REPORT?
> IF STATED OR ASSUMED SO, REQUIRE THE REPORTER TO CONFIRM THEIR PRACTICES OF REPORTING IS ACCORDING TO EACH THE STATE AND FEDERAL LAWS AS WELL AS TO THE INDUSTRY REQUIRED STANDARDS, NAMELY IN PERFECT ADHERENCE TO THE REQUISITE REPORTED METRO 2 FORMAT?
> IF BOTH ABOVE IS CLAIMED YES OR ASSUMED SO, THEN EXPLAIN HOW IT IS THERE EXISTS " DEVIATIONS '' WITHIN THAT MANDATORILY UTILIZED STANDARD FORMAT OR OMITTANCE FROM IT OF REQUISITE REPORTED ACCOUNT DATA THAT might be specific to a particular industry type or primary negativity issue?
> if the standards are flawed, explain how it can be feasible to suggest that ANY information alleged was done so to the federal mandates/laws which REQUIRE ONLY DATA REPORTED TO BE DONE SO VERIFIABLY AND VALIDATED AND TO A DEGREE NO LESSER THAN THAT OF A MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS.
> SEEING how the reporter continues reporting despite flawed reporting practices, how is it assumable the reporter is not misreporting in willful noncompliance, even willfully in recklessness?
> finally, as an accepting repository, it is your duty to ensure the information you gather is in fact adequate and fair, especially upon notification that some data is potentially not so. If you are continually going to report for reporter accusing me of negativity injurious to my credit worthiness, how can I assume youre not willfully noncompliant and reckless yourself?
Might be wiser you require the accusing reporter to do so in full alignment with the very industry standards and in total accordance with each any and all laws required of both you and the reporting entity involved with Derogatory claims versus me.
Further, might be advisable that you immediately and continuously remove from reporting each any and all claims versus me deficient of the perfect adhering to the reporting standards and regulations of reporting, be them mentioned or not, until a date no sooner than each circumstance for ethical lawful fully compliant reporting can be and IS ACHIEVED, DOCUMENTED, AND A NOTICE RETURNED TO ME ALERTING ME OF SUCH CERTIFIABLY COMPLIANT REPORTING OF DEROGATORINESS RETURNING TO REPORTING AGAINST ME, within 5 days of such if occurs!
Finally, I am within my rights to demand that you timely investigate then send me an updated report displaying your then-adequacy in that the argued points within this complaint will have rendered your XXXX XXXX-like actions to remove from reporting the data of the opposed reporter ( s ), temporarily at least. If and when the alleging data reporting furnisher ( s ) makes good on its reporting practices and information, and you again accept its reporting, I demand it only be so in a manner of provable compliance in every aspect of concern.
Closing Professionally My requisite reported first and last name is exactly XXXX XXXX *please note any included image proofs of my non-contested personal identifier information data.
|
11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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IN care of XXXX XXXX doing business as Equifax your organization is a for profit agency that has furinshed wrong information on credit report. violating my rights pursuant 15 usc ... .... the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication.
In other terms I had not given Equifax, a written consent to furnish my information. If one has proof please show me the proof of all this alleged contractual agreement.
( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and I do not consent to you having my information given to any employer.
( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person.
All the information you have on me is wrong. From my employer, my name, my address, the late payments and the credit utilization you are not allowed to report all these things. show proof of the alleged debt on my report. you have THREE business days to do so. ALL NEGATIVE ITEMS SHALL BE REMOVED FROM MY report.
( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ).
The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced.
As of 2022 you were ordered to pay XXXX XXXX by the federal trade commission, the consumer financial protection bureau for breach of information. you have resell my personal information. Leaving me vulnerable and I am a victim of your actions. i will also need my check for the data breach.
A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 608.c AS stated above my credit report should not be given to any person aka banks which are corporations. Your reporting has defamed my name and cause character XXXX. the banks in which you have provided this information have used this report to deny me my credit, I ask you to immediately report that all the credit account is great standing. no balances and no late payments. Being able to obtain my information is unlawful.
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. Do you have a subpoena from the judge? if you do. please provide the subpoena ; i would really like to see it.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account.
Disclosure to Consumer.
( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and please provide me the documentation that I have provided to you as evidence in furnishing my report. I am a private sovereign man and my personal information should be abused in the public this way. please have this issue resolved immediately!
( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 615 ( a ) ( 3 ) ; and the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
I have never received any communication from Equifax about any of the reasons listed above. no mail, no phone call.
( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing.
Again you have my date of birth which you are not allowed and i have never given you the permission to do so.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ). A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
you have published late payments, utilization etc ... .. all these are unlawful.
( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
you have provided these to a person aka all the banks listed above and I never consented.
you have so many inquiries I can not even count. all those should be removed from the report and i mean the violations are endless at this point.
|
02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
On XX/XX/2023, I requested to have my consumer report investigated for 100 % accuracy and to make sure everything was reported correctly. I am contacting you because Equifax claimed to have completed a reasonable investigative consumer report with the furnisher of the information and the accounts listed below as reporting 100 % accurate, but how is that possible if the opening dates are inaccurate, the dates last active are inaccurate, balances are inaccurate, and the dates last reported are not accurate. This is grounds for removal. According to 15 U.S.Code 1681a ( e ), you did not complete a reasonable investigation.
Therefore, these accounts are STILL inaccurate, and Equifax is STILL continuing to report errors on my consumer file, which is causing damage to my credit score. You are also continuing to violate my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given Equifax, nor any other consumer reporting agency written instructions to furnish these accounts in my consumer report.
Account Name : XXXX XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT ED/XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT ED/XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account XXXX : XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX FCU Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account XXXX : XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account XXXX : XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account XXXX : XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Also, I found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address and full legal name. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling and current address. Once again, to make the process of deletion easier, here are the incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one name on my consumer report, which is XXXX XXXX XXXX ( not in all capital letters, I am not a corporation, I'm a living human being, a natural person ). Please remove inaccurate employers as well, listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
|
10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
To Credit Bureaus XXXX : XXXX Bank XXXX XXXX | FORMAL COMPLAINT AGAINST CREDIT BUREAUS DELETE DISCOVERY OF BANK AND DEALER FRAUD W/ RATE AND PAYMENT AMOUNT XXXX BANK XXXX AUTO LOAN ACCOUNT # XXXX BALANCE {$0.00} | BEING REPORTED AS {$31000.00} XX/XX/XXXX I would like to make a Formal Complaint on the Credit Bureau XXXX XXXX ) based on recent Activity on my credit report and the outcome of my disputes.
The XXXX XXXX XXXX is and Has been Breached due to the Discovery of Forgery and Fraud committed by the XXXX XXXX XXXX XXXX XXXX XXXX.
Supporting Paperwork was sent in to Show the XXXX Police Report where the XXXX Police Report CLEARLY STATES : Fraud was discovered along with forged signatures and paperwork not signed me I have requested to REMOVE this account from my account based on the submission of Proof of Fraud The Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX to validate the Debt and make updates on a closed and charged off account, which should have removed all history and had no activity after the Charge off date of XX/XX/XXXX. There is no monthly reporting which should have occurred.
Id like to File a Formal Complaint Against : Equifax XXXX Equifax XXXX XXXX Police report which states that the Account was breached by Fraud and Forgery was submitted and Each Bureau Listed above continues to not only report the account. Also allow the creditor to make continuous updates on the credit report which differ drastically which show signs of credit manipulation, incorrect information and proof that the XXXX continues to verify invalid information.
The Police Report clearly states that the Investigation was Transferred to the Jurisdiction of the Dealership as well as sent to the State Attorney to investigate.
The XXXX Bank XXXX was BREACHED and entitled to Revocation upon the Finding ( XXXX ) of Dealer Fraud. XXXX Bank was to Close and Remove the account once it was made aware by Law Enforcement ( XXXX Jurisdictions XXXX, XXXX and XXXX Attorney ) Its Even Made Clear in the Code of Federal Regulations PART XXXX ' REVOCATION RIGHTS, SALES PRACTICES AND STANDARDS ( REGULATION K ) XXXX XXXX. XXXX, XXXX ; XXXX XXXX. XXXX.
XXXX XXXX XXXX, XXXX XXXX, XXXX, unless otherwise noted.
XXXX XXXX and misrepresentation.
( a ) The term manipulative, deceptive, or other fraudulent device or contrivance, as used in section XXXX ( c ) ( XXXX ) of the Act ( section XXXX, XXXX XXXX. XXXX ; XXXX XXXX. XXXX ( c ) ( XXXX ), is hereby defined to include any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person.
( b ) The term manipulative, deceptive, or other fraudulent device or contrivance, as used in section XXXX ( c ) ( XXXX ) of the XXXX, is hereby defined to include any untrue statement of a material fact and any omission to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they are made, not misleading, which statement or omission is made with knowledge or reasonable grounds to believe that it is untrue or misleading.
The XXXX Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS Chapter XXXX CONSUMER PROTECTION XXXX acts and practices.
( XXXX ) Unfair methods of competition, unconscionable acts or practices, and unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful.
( XXXX ) It is the intent of the XXXX that, in construing subsection ( XXXX ), due consideration and great weight shall be given to the interpretations of the Federal Trade Commission and the federal courts relating to XXXX XXXX ( a ) ( XXXX ) of the Federal Trade Commission XXXX, XXXX XXXX. s. XXXX ( a ) ( XXXX ) as of XX/XX/XXXX.
History.s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX.
As Per these Federal Regulations, XXXX Banks Loan is MOOT and Revocable with the entitlement of reimbursement. Which I have offered the Creditor the Opportunity to Restore me in an Amicable and Mutually Agreeable Fashion, Which they Refused, But attempted to Illegally take possession.
The XXXX is Breached and Restoration and Reimbursement is XXXX to XXXX. By XXXX.
XXXX Bank was made aware of the XXXX and XXXX committed by XXXX XXXX XXXX XXXX XXXX XXXX. The Bank is ILLEGALLY continuing to attempt to service, manage and collect on the XXXX XXXX which they are aware contains XXXX and XXXX.
With the Evidence Submitted to show that the Agreed and Approved Payment Amount and Interest rate was changed along with a Police report to show and confirm that those numbers were changed. PROVES that the reported history, payment and Interest rate is INCORRECT.
Id like to hold the CREDIT BUREAU in Contempt to sent me any an all Information that has been used since the Original XXXX Dispute which is being used to continue to validate this account.
The Creditor Has Changed the History of this account XXXX XXXX which is very contradictory and still doesnt have the correct payment or interest rate which was agreed upon. There are also Forged Documents and XXXX XXXX and a Forged Application. By XXXX this is Illegal and Makes me a Victim to a XXXX XXXX.
Police Reports and Documents Prove that there is NO MISREPRESENTATION of those FACTS.
Which Leads me to Request the Documents which Equifax, XXXX and XXXX Used to Continue to Validate this Account since the XX/XX/XXXX Dispute where the bureaus were made aware of Fraud Being Discovered on the Loan.
All Collateral has been turned over to XXXX XXXX for their XXXX as well as Attorney. The Creditor Has not responded to Email Sent in response to Query of Dispute/Complaint ( XXXX ). Which confirms any correspondence being used is generic and not communication tied to any form of resolution.
I am requesting from the Credit Bureau, the Documentation and items used to VALIDATE an Account Law Enforcement has found was Breached by Fraud and Forgery based on the Inflation of the agreed terms.
I am seeking documentation which shows this account reported on my credit as agreed : XXXX. Monthly Payment of {$530.00} XXXX. Reflect the {$3000.00} Down From the Principal Price ( {$35000.00} ) XXXX. XXXX XXXX of {$35000.00} XXXX. XXXX XXXX of 2.90 % XXXX. Contract without Gap and a XXXX XXXX as I never approved these add ons which is clear in the approval XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX I asked for this ) XXXX. Contract that Acknowledges that there was a Factory Warranty ( The XXXX XXXX XXXX had well over 3 years and XXXX Miles which tops a 2 Year XXXX Mile Add on ( Illegal to add a warranty shorter than the factory ) XXXX. Disclosure Of XXXX XXXX XXXX XXXX on a Service Agreement Not Agreed to.
XXXX. Correct Balance, Interest Rate and Payments on Account XXXX. Accurate Account History can not be established based on Constant Changes to Account History, Hence why I requested removal of the account and history as it is not valid and there are multiple documents and sources to PROVE THIS.
Please find the attached documents and Remove and Delete the Breached by XXXX and XXXX XXXX Bank account as the collateral and all documents have been turned over to Law Enforcement.
The Original Dispute ( XXXX ) were Submitted on XX/XX/XXXX, Generic Responses have been sent based on Failure to review supporting documentation and repetitive wasteful responses about Identity verification when my Identity verification documents have been sent NUMEROUS times as well as submitted to CFPB Complaint.
I am seeking Manual Review by the Credit Bureaus as well as Escalation of the Complaint by the CFPB who has repeatedly failed to Regulate this breach and act ( XXXX ) of Fraud which XXXX Bank was made aware of and continued to Manipulate the credit of the consumer.
The Disputed information has remained Even with The Appropriate Documentation So I am seeking any and all documentation that the Credit Bureau Has XXXX XXXX XXXX to Report the Above referenced Account.
The Allotted 30 Day Dispute time has been exceeded multiple times without manual review and accuracy in verification process. I am not arguing the belonging of the account, I am disputing the Accuracy and Legality. How is the Credit Bureau XXXX and Continuing to Report An Account Law Enforcement has found Forgery and Fraud on which the Creditor XXXX BANK has done nothing about.
Based on the time I have been affected by this invalid reporting and forgery and fraud I am entitled to the Maximum Compensation based on the Numerous Violations of the XXXX XXXX Bank XXXX to pursue and inaccurately report and account which they were made aware of fraud.
The Credit Bureaus and the CFPB have allowed the XXXX to Continue.
Review the Last Update of the history. The Reporting of the Account being charged off XXXX month after purchase is inaccurate ( YET WAS VERIFIED BY CREDIT BUREAU ).
Creditor Later Removed the NEGATIVE history and added random Current Payments. Which Drastically affected my credit and is something that the Creditor Continues to Do to Maliciously Damage My Credit.
I would like for the CFPB, FTC and Credit Bureau to Review the amount of times the Creditor has manipulated the History and the Credit Bureau has allowed. Which is Grounds for a very credible Lawsuit, when information was provided to deem account defective, breached, forged with fraud and Inaccurate.
Overpayments of agreed payment and interest rate were to be applied to principal. The History and Reporting doesnt reflect any of that.
Regards, XXXX XXXX XXXX
|
08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
my name is XXXX XXXX XXXX reached out to XXXXEQUIFAX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX EQUIFAX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/EQUIFAX then , you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXXEquifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED Equifax, XXXX, XXXX XXXX, and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint NEW YORK state Attorney Generals complaint with a sworn affidavit of truth, ( FRAUDULENT ACCOUNTS ) XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX I ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX NYXXXX XXXXXXXX XXXX XXXX XXXX XXXX USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. But XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure ni case of disputed accuracy, 15 U.S. code 1681b- Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. ( Gramm-leach-Bliley Act ) FRAUDULENT ACCOUNT ( XXXX XXXX ) ACCT # XXXX {$5700.00} XX/XX/XXXX ) Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent address ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX A bank clerk looking at their computer screen, seeing my name listed in their database is ( NOT verification or validation ) of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FILED ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of NEW YORK Attorney General 's office WHICH I HAVE DONE AND YOU WILL SEE ATTACHED DOCUMENTS should you continue in your non-compliance I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. XXXX XXXXXXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) ( Social Security Administration ) and anything purchased with that identifying number is an ( obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( XXXX ) ARE also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT Failure to remove account in 5 days from my consumer report as requested will result in legal matters being taken also reporting these matters to ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
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08/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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My Name is XXXX XXXX XXXX XXXX.
Last four of my social is XXXX.
I have inquiries on my credit report which I believe are inaccurate from companies Ive never heard of before. I understand that mistakes happen so I decided I needed to file a dispute to verify the accuracy of all the items on my credit report. My first step was to look up any all applicable laws that govern credit reporting so I know my rights as a consumer. In section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] it states all the reasons someone or entity may gain access to your credit report. It is a very long list so to save time I wont list all of them here. But I did find out that as a consumer it is my right to request that the credit bureau furnish the companies who pulled my credit, the reason for them pulling my credit ( specifically hard inquiries ) and to verify that they had permission from me to do so. So, I obtained copies of my credit reports and found that there were only few issues. 1 collection for {$140.00} which made no sense because I had been to a doctor or hospital in years and the collection was in 2019, my name was wrongly spelled in several instances and the biggest flaw, inquires which I did not authorize.
On XX/XX/XXXX I sent 3 certified letters to all 3 major CRA disputing my inquiries with them. I included the letter of the reason for the dispute asking for proof of verification as is stated in the FCRA A full page copy of my Driver License ( front and back ) zoomed in so it can be seen without complication and a billing statement to confirm my identity. I went to the post office mailed out all of the letters and patiently waited for a response. I received my first letter today XX/XX/XXXX from Equifax. The letter I have included in this correspondence. At the beginning of the corresponsdence it states We are Unable to locate a credit file in our database with the identification information provided. That didnt make since to me at all. I went directly to CFPB from XXXX to verify what I needed to have in my dispute as well as other item s I should include which is the only reason I sent my license and billing statement which I didnt know that I needed. The letter goes into detail about what is needed to send with my dispute. I opened several disputes with Equifax about my Name and collection which I did online and over the phone and the inquiries I had to send a letter as It wouldnt allow me to dispute inquiries online.
Nowhere in the letter dos it detail which dispute the letter is in reference to so I could only conclude it was the letter I sent. I immediately clled in XX/XX/2019 XXXX. I spoke to a reperesentative and told him my issues that I didnt understand the letter and he told me I needed to speak to the dispute Dept. He provided me the number and transferred me. I spoke to another gentlemen who asked a few questions and once he understood my inquiry he needed to transfer me again. I was on hold for 12 minutes. The representative checked on me to make sure I was still on hold which was greatly appreciated. A new representative said hello, and immediately disconnected the call. I was upset after being passed over to 2 new reps and being on a call for exactly 23 min 01 secs, get nothing accomplished and be hung up on. No problem, mistakes happen. I call back at XXXX. I call the number the rep gave me to get directly back to the dispute department. I verify my identity before she moves forward. She sees that I have open disputes and before she askes about my reason for calling she dives right in to give me the results of my disputes. She says that my inquiries have been verified and that they will not be removed and there is an 8-page document that was created on XX/XX/XXXX when my dispute was closed. So I asked if that were try why am I staring at a letter that says you need more information from me? Eventually she says it was a mistake. Now I start asking about the investigation. I asked how did they verify the inquiries were accurate, eventually she says that the fact they are on my credit report means that they are accurate. No! That means you gave someone access to my credit report. That does not mean that they legally had my authorization to do so. That is why it is acceptable for me to dispute this information. I asked a lot of common-sense questions which I got dead air responses to. I was told the dispute was opened on XX/XX/XXXX and closed XXXX the XXXX. So, my follow up question was what information with verified to confirm accuracy? ID? Signature? Voice recording? Video? She says they dont have any of that information. That is not ok. After my wife can see me getting no where and becoming physically frustrated, she advised I ask for a supervisor and I did. It only got worse. The Supervisor told me that Equifax does not dispute inquiries at all, once they are on my credit report it is accurate and can not come off. That made no sense. Equifax collects my information, stores my information, divulges my information to parties who request it with my information, but when confronted with a consumer who asks them to verify this company had my permission to gain this information refuses to verify accuracy? That doesnt sound fair at all. Its not fair. The Fair Credit Reporting Act, Section 604, explains in laymens terms that a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court ordered or requested by a state or local government agency in relation to child support. If this is the law then it only makes since that the CRA must gain this information from the agencies it gives my credit report to, or at minimum request this information from the creditors to verify a consumer dispute. Equifaxs bold stand point was that it isnt there job to do so and that the fact that it is on my credit report means they have no obligation to investigate it. An the supervisor said it several times on the recorded line. I asked for clarification several times on the recorded call to ensure that she understood not only my question but her response to my question while repeatedly referencing the law that requires that they investigate. I asked the supervisor if it isnt their obligation to investigate What took place from XX/XX/XXXX when I was told by both she and the previous representative my investigation was open till XX/XX/XXXX when I was again told by both representatives that my investigation was closed? She danced around the question but eventually settled on there was no investigation. After getting nowhere for a time longer then necessary I had had enough. I asked to speak to the Supervisors Supervisor. There was about a 6 min wait and then a gentlemen came on the line. I asked if he was informed about the contents of my previous conversation. He said yes. I waited for the problem solving, helping, getting to the root of the misunderstanding demeanor to kick in..that didnt happen. This was the gentlemen in my opinion they bring on the line to end the call. By this point I told him that I was going to record the call. He got immediately authoritative and tried to give me a warning. As a company you can ask and request anything from a customer and you should if there is something you require. But Im not in business willingly with the Credit Bureau. I have no choice. They collect my information and furnish it to all who ask and if I want to be approved for anything in life without having cash in hand Im at the mercy of them.to an extent. I will not tolerate disrespect and down talking from anyone as Im not a child and I give everyone that respect. But I had enough, we were on the phone for all of 1 minute. He was not trying to solve my issues, answer any of my questions quickly ended the call by blind transferring me into the Dialer. It should never get to this. Ever. I want to dispute inaccurate inquiries and the company who holds my inquiries ( Equifax ) as part of my credit file will not verify creditors/individuals who they furnish my information to had the right/permission to view my file in the first place by investigating their ability to pull my file? This is unlawful. Im contacting the CFPB to file a complaint in hopes that Equifax will indeed do their job and investigate my claim, send notification and findings of the investigation and if the inquiries are to stand, show proof outlined in the FCRA/CRA of how the inquiries were verified. Furthermore, if it is Equifaxs stance that they will not investigate inquiries because all inquiries are valid as soon as a consumers report is accessed, they dont dispute inquires and they dont have to then I would ask them to reconsider. My credit score doesnt stand to gain much from inquiries falling off my credit report, but I dont think its fair that a Credit reporting agency wont at least take the time to hear a customer and to reasonably assume that if they are contacting them over and over through many different channels then there is a concern that should be reasonably addressed. I confirmed that my investigation was completed so I look forward to hearing back from Equifax with proof that the inquiries are either valid with proof of validity not just them saying it is valid because its on my report or the inquiries being removed if unverified. My credit is extremely important to me and I plan on preserving it as best as possible. Please respond to this complaint at your earliest convenience. As well since I have also verified with your representative that this letter I was mailed was indeed in error, I look forward to written correspondence about my dispute.
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04/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
PLEASE READ THIS DISPUTE THIS TIME. I AM PROVIDING PROOF OF 10 INCORRECT REPORTING ERRORS ON MY CREDIT REPORT FROM THE SAME COMPANY.
THIS IS A HUGE ERROR THIS COMPANY IS BREAKING MANY LAWS AND REGULATIONS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX & EQUIFAX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Please be advised this is my SECOND WRITTEN REQUEST about THE ERRORS YOUR COMPANY IS REPORTING AGAINST ME ON MY 3 CREDIT REPORTS. Yet again, you have failed to provide me with a copy of any viable evidence THIS ACCOUNT IS BEING REPORTED ACCURATELY. LET ME POINT OUT ( AS ATTACHED TO THIS COMPLaint ) ARE copIES of my 3 credit reportS where your company claims this account was charged off in XX/XX/XXXX! ( ALSO PREVIOUS REPORTS WHERE YOU REPORTED THE STATUS AS CHARGED OFF IN XX/XX/XXXX ) It also claims that it was opened in XX/XX/XXXX, but there is no payment history before XX/XX/XXXX AND THEN all of a sudden it BEGINS TO report as being paid in good standing from XX/XX/XXXX until XX/XX/XXXX where it is now in late status with positive payments showing? This is impossible even if THE ACCOUNT WAS MINE, because THIS ACCOUNT WAS IN COLLECTIONS just LAST MONTH AND IT HAS BEEN reporting that way FOR THE LAST 4 YEARS ( ALSO INCLUDED ARE PAST IMAGES OF MY CREDIT REPORT SHOWING THIS ACCOUNT BEING IN COLLECTIONS FOR YEARS NOW ) ALSO, IT IS IN AN ACTIVE DISPUTE AND EQUIFAX IS CALLING IT A CHARGED OFF ACCOUNT ( with no mention of the dispute ) AND THERE ARE NO LATE PAYMENTS being shown ever! JUST PAID AS AGREED THEN Status is Late and also CHARGEd OFF? I'm also attaching a copy of my report from XX/XX/XXXX from all 3 bureaus where this account was showing the payments were BEING MADE from XX/XX/XXXX-XX/XX/XXXX 1 ) ERROR 1 : EQUIFAX NOT STATING ACCOUNT IS BEING DISPUTED AS COMMANDED BY FCRA LAW 623 ( a ) ( 3 ) 2 ) ERROR 2 : PAYMENTS I NEVER MADE BEING REPORTED FROM XX/XX/XXXX-XX/XX/XXXX 3 ) ERROR 3 : NO VERIFIABLE PROOF account is mine EVER BEEN PROVIDED to me in writing AFTER MULTIPLE REQUESTS 4 ) ERROR 4 : ACCOUNT BEING REPORTED AS CHARGE OFF/late WHEN PAYMENTS ARE SHOWING CURRENT but account is in collections 5 ) Error 5 : no payment history from XX/XX/XXXX-XX/XX/XXXX 6 ) Error 6 : NO charge off date and incorrect monthly reporting showing current payments but that the account is late? How is that even possible?
7 ) ERROR 7 : REPORT CHANGED FROM LAST MONTH PayMENTS WERE CURRENT FROM XX/XX/XXXX-XX/XX/XXXX, NOW IT SHOWS NO PAYMENTS UNTIL XX/XX/XXXX-XX/XX/XXXX.
8 ) ERROR 8 : FCRA Section 623 ( a ) ( 1 ) ( C ), YOU SHOULD KNOW THE LAW YOUR BREAKING HERE 9 ) ERROR 9 : NEVER PROVIDED DOCUMENTATION ON STATUS OF ACCOUNT PER FCRA law 623 ( a ) ( 4 ) 10 ) Error 10 : No notice ever sent once alleged account went into late/charge off status FCRA law 623 ( a ) ( 7 ) ( G ) ( i ) I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please provide me with the following : 1. What the money you say I owe is for?
2. Explain and show me how you calculated what you say I owe?
3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. PROVIDE ME WITH THE COPIES OR RECEIPTS OF EVERY SINGLE PAYMENT YOU SAID I MADE TO YOU FROM XX/XX/XXXX-XX/XX/XXXX AND PAYMENTS YOU REPORTED LAST MONTH ( XX/XX/XXXX ) WHERE YOU STATED I MADE PAYMENTS FROM XX/XX/XXXX-XX/XX/XXXX 6. PROVIDE ME EITHER MY BANK ACCOUNT NUMBER # /CREDIT CARD # WITH SIGNED SLIP/CHECK IMAGES/MONEY ORDER RECEIPT/WIRE TRANSFER CONFIRMATION # /ACH TRANSFER CONFIRMATION # OR ANY OTHER FORM OF PAYMENT YOU CLAIM YOU RECEIVED FROM ME TO VALIDATE/PROVE YOUR ERRONEOUS REPORTING OF THIS ACCOUNT TO THE BUREAUS, THAT I MADE 9 MONTHS OF PAYMENTS TO YOU FROM XX/XX/XXXX-XX/XX/XXXX AND XX/XX/XXXX-XX/XX/XXXX 7. Prove the statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with you license numbers and Registered Agent.
10. PROVIDE ME THE names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof TO ME.
11. PROVIDE THE DOCUMENTED PROOF THAT YOU EVER GAVE ME NOTICE OF THE CHARGE OFF PER FCRA LAW 623 ( a ) ( 4 ), and PROVIDE THE ACTUAL CHARGE OFF DATE AND AS STATED YOU MUST IN FCRA LAW 623 ( a ) ( 5 ) " A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' 12. PROVIDE THE DOCUMENTATION AND PROOF YOU PROVIDED ME REGARDING THE STATE OF THIS ACCOUNT ONCE IT BEGAN REPORTING AS A " LATE '' PER FCRA LAW FCRA 623 ( a ) ( 4 ), As it stands now the reporting is a clear violation of the Fair Credit Reporting Act. ( FCRA ) I would also mention that one needs to also insure your employees are receiving and following the proper training in regard to your chosen industry. This statement is in reference to the past nature of your correspondence/communication. The Court has stated the following, which you should be quite familiar with : The Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692n ( " FDCPA '' or " Act '' ), under which this case arises, is premised on the congressional belief that " 'every individual, whether or not he owes the debt, has a right to be treated in a reasonable and civil manner, ' '' XXXX v. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ), citing XXXX Cong. Rec. XXXX ( XXXX ).
At this time, we solely seek the correct remedy to our credit report AND DELETE THIS ACCOUNT From all 3 bureaus. It is in good faith that we will assume your employees in the future will follow the rules of the FCRA/FDCPA with any of your other clients you may have, as they have failed miserably thus far in our case.
We stress that this matter requires your immediate attention as I am currently, due to your reporting inaccuracies, experiencing financial injury. In addition, now that you have been AGAIN PROPERLY notified of your error in writing, you may not continue to report the information as it is, in fact, an error. Should you not correct this we will pursue the extent of damages incurred BY ME, the injured partY, as deemed by the courts. ( US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX ) If you need to contact ME regarding this account I request all correspondence be sent to the address below and will NOT accept phone calls from you or your associates. All correspondence will be in writing/EMAIL only.
If this matter isn't fixed immediately, I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 600-618 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Federal Law. Furthermore you have failed to provide the method of verification as an Original Wet Note signature Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. AND if not fixed immediately, I will be seeking a minimum of {$1000.00} in damages per violation for : 1 ) DEFAMATION 2 ) VIOLATION OF FCRA ACTS ( SECTIONS INCLUDING, BUT NOT LIMITED TO, 807-8, 623-a-3, 616-617, 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), FCRA 623 ( a ) ( 5 ) ( A ), FCRA 623 ( a ) ( 5 ) ( B ), FCRA 623 ( a ) ( 7 ) ( G ) ( i ) ) I demand the following accounts be verified or deleted immediately.
Name of Account Account Number Provide Verification XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX Thank You, XXXX XXXX XXXX
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12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing Equifax for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page. And remove unverified Bankruptcy.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX D.O.B XX/XX/XXXX XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.And remove unverified Bankruptcy.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
On XX/XX/XXXX, my wife and I took out a second Mortgage on our home from XXXX XXXX XXXX XXXX in the amount of {$15000.00} ( account # XXXX ) as we were having financial difficulty due to XXXX. My wifes XXXX son who is a XXXX lost his job due to the closing of the company he was working for d/t the government lockdown due to COVIG. We was helping him pay his bills as things got overwhelmingly financially difficult. Subsequently, we got behind on our loan with XXXX XXXX. We even had to let our one of our vehicles go because the loan company was not willing to work with us financially. I told them that they could take the vehicle as I was unable to pay while helping my son in addition to my bills. We were dealing a lot with my son, taking care of him as his XXXX was not able to go to his home to take care of him due to the virus. My wife and I had to go over to his home daily to take care of him XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was just a difficult time.
In the meantime, XXXX XXXX took us to court, but we could not go due to a family emergency. I then received papers in the mail from XXXX XXXX that they were starting foreclosure proceedings. We called XXXX XXXX from XXXX XXXX. My wife and I spoke with her over a speaker phone, and we all were talking about a payment arrangement because I did NOT want to lose my home of 14 years. She verbally said she would knock off the interest and the late fees. Prior to that in XXXX, I spoke to a female representative in the collection Dept, I believe her name was XXXX. She said that she was willing to take off of the interest and late fees back in XXXX. On that call on XX/XX/XXXX, to XXXX XXXX, we re-entered a payment agreement with XXXX XXXX during that phone call stating that we would make a {$1000.00} payment that day in cash which we did and $ XXXX thereafter.
We started making payments on XX/XX/XXXX, of {$1000.00} in cash to XXXX XXXX XXXX XXXX. The bank teller gave me a receipt with the beginning balance ( {$15000.00} ) and the ending balance ( {$14000.00} ). The second payment was {$500.00} in cash and they gave me a receipt with a beginning balance of ( {$14000.00} ) and an ending balance of ( {$14000.00} ), but they told me that day that they would not accept cash from me anymore. I told the bank clerk that I have been making payments in cash and she responded to me that they were instructed by their boss to no longer take cash payments from me. The third payment I took in a check, and I asked for a receipt printed with the balance on it and she said she was instructed by her boss to NOT give me any printed receipts with balances or payoff balances. That sounded crazy to me like they were up to something NOT RIGHT, something fishy like hiding things. Thats what you do when you go to a store, you pay for something, and you get a receipt with the current balance to the ending balance. We need this for our records. The fourth payment, I took in I took a check in and they were not going to give me a printed receipt, so they gave me a hand written receipt with no balances on it. I sent the next payment through my XXXX XXXX XXXX Bank Account through my Bill Payment system so I could at least have a printed receipt from my bank. They refused the payment and sent it back to me. They said I had to send in a personal check only and that is only what they will accept.
We knew something was wrong with how they were being sneaky about everything. First, they dont accept cash, but they did at the beginning with a beginning and ending balances on the first 2 receipts ( I have attached all receipts ). Then they refused Bill Pay payments from my bank, they sent it back to me. Now they will only take a personal check and give me a handwritten receipt with NO beginning and ending balances. We have continued to pay as agreed $ XXXX and have all of the cleared checks, but no balances. I have calculated that we owe {$8500.00} left on the loan.
Then, we checked our credit reports with all 3 major reporting bureaus ( Equifax, XXXX XXXX XXXX ). Each report had different amounts owed, high balance, date opened, Balance owed, Closed date, Dispute status, Last payment, payment amounts and term length. I am attaching both mine and my wifes XXXX credit reports from XXXX XXXX which shows all 3 credit bureaus alongside each other and how they are reporting. There are so many errors, inconsistencies and inaccurate data. This is a violation of the FCRA 15 U.S.C. 1861 ( a ) ( 1 ) ( A ) ; Section 611 ( a ) plainly states that a failure to investigate these items that are inaccurate on a credit report within 30 days should be deleted promptly.
We sent disputes to all 3 credit bureaus, and they did NOTHING. They said it was accurate the same day we put the dispute in. Then we present the disputes to all 3 credit bureaus with proof of all the inconsistencies and receipts with all the payments documented, letters from SSCU that we entered back into repayment and a letter from the courts dismissing the foreclosure. They still did not do anything. We have proof and have sent all the documents again to all 3 credit bureaus. They said they did a re-investigation, but they did not. Because the day we sent in the disputes they sent back the results of the re-investigation on the same day. There is no way they completed an investigation, much less a re-investigation. They are breaking the law and violating my wifes and my legal rights.
Then my wife ended up getting Legal Aid because she is XXXX and has a low income. The attorney that we are working with at Legal Aid is from XXXX Ohio and he sent a letter to XXXX XXXX requesting an itemized statement of account for our second mortgage loan. They provided their copy of the itemized loan, but it had the interest listed on it that XXXX XXXX verbally entered into an agreement with us to remove the interest and late fees. They sent him something totally different than what they sent us.
XXXX XXXX XXXX is violating our rights under the FCRA 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) which states they are required to delete this inaccurate information on our credit reports, and it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from our credit report. The balance and payments are reporting inaccurate and erroneous still.
We previously disputed this account on 7-10 occasions with documentation of all our payments and receipts attached. We entered into a repayment agreement on XX/XX/XXXX, and XXXX XXXX agreed to dismiss the foreclosure. I restarted the repayment plan to XXXX XXXX as agreed on XX/XX/XXXX, and paid the agreed upon amount of {$1000.00} with a beginning balance documented on the receipt ( enclosed ) as {$15000.00} by XXXX XXXX XXXX. After the first {$1000.00} payment, the ending balance was documented as {$14000.00}. On XX/XX/XXXX, the beginning balance was {$14000.00} and I made a payment of {$500.00} with the ending balance documented on the receipt as {$14.00}, XXXX ( enclosed ). The subsequent {$500.00} monthly payments were made, and I have previously uploaded all payment receipts to the credit bureaus dispute sites. The ACCURATE balance due currently is {$8500.00}. XXXX XXXX XXXX has our balance as {$13000.00} which is inaccurate. Another erroneous reporting is in the payment history is XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 90 days late ), XX/XX/XXXX ( 120 days late ) and XX/XX/XXXX ( 120 days late ). There is NO WAY that this account can be 120 days late 2 months in a row. It shows 120 days late in both XXXX and XX/XX/XXXX. This account is listed on my credit report as a Collection/Charge off in addition to a Profit & Loss write-off. It is NOT a charge off or a Profit & Loss Write-off as we have documentation that we are enclosing that we have re-entered a payment agreement as of XX/XX/XXXX, and monthly thereafter. All receipts are enclosed. This is just another error that is not being addressed by XXXX XXXX XXXX XXXX
XXXX XXXX continues to report inaccurate balances and payments. They are violating the FCRA, specifically 15 U.S.C. 1681 Section 611 ( a ) which states that a failure to investigate disputed items within 30 days gives reason to immediately remove those items from my credit report. We have disputed multiple times and requested reinvestigations with all three major credit bureaus. This is negatively affecting our credit score and causing us mental, psychological & emotional distress. In addition, these errors are costing us money at higher rates. We have attempted to get several home equity loans and lines of credit to pursue housing and were denied because of the illegal reporting of negative errors on our credit reports. My wife has not been able to obtain housing because of this. It is affecting my wifes ability to obtain housing assistance through her low income and XXXX rating. This is illegal and they are breaking the law. Since they have all refused to investigate and re-investigate our disputes and update our credit reports to show 100 % accuracy, I am filing this complaint with the CFPB to assist us in having XXXX XXXX XXXX XXXX account removed from all three of our credit bureau reports. We have {$150000.00} in equity on our home and have attempted to refinance for fixing the home for sale and paying off XXXX XXXX ; however, since they are reporting inaccurately, we are unable to obtain financing for HOUSING due to the errors XXXX XXXX XXXX XXXX XXXX report to all 3 major credit reports.
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11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Hello to whom all this may concern My Only First & Last Name XXXX XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX The last 4 of my SSN # XXXX My Only XXXX penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. I have reached out to all three at the national credit reporting agencies, including XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} - XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3000.00} - ( XXXX UNIVERSITY XXXX XXXX XX/XX/XXXX {$900.00} - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXXIve sent paper work and complaints from the US Justice Department XXXX XXXX XXXX ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT XXXX XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX and the creditors/ XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} ( XXXX XXXX ) XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX XXXX XX/XX/XXXX {$570.00}.
Fraudulent inquiries ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are IILEGALLY REPORTING FRAUDULENT collections/Charge-Offs, late payments/other derogatory information in my consumer reports, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involvedXXXX XXXX EQUIFAXXXXXXXXX XXXX XXXX XXXXXXXX XXXX ( 15USC 1681 a ( d\ ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX EQIUFAX XXXX XXXX XXXX XXXXXXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.
I allege that XXXX, XXXX, and Equifax are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.
15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.
15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.
15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.
15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.
H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.
Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.
Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.
Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties.
Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk.
Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization.
2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data.
3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing.
4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations.
5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.
Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ( Fraudulent Accounts ) Inquiries Account Name Account number Date open Dollar Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I am exercising my right to make sure my private information isn't shared pursuant to 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish certain information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked immediately.
( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Note : Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Note : You need my written consent to add anything to my consumer report and I did not give this authorization therefore you are in violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.
15 USC 6809 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; ( iii ) otherwise obtained by the financial institution.
313.8 Revised privacy notices.
( a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 313.4, unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( 4 ) the consumer does not opt out.
Note : You did not provide me with a clear and conspicuous revised privacy or optout notice.
Pursuant to15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, I have the right to opt out of anything on my report at any time and the companies must comply as soon as reasonably practicable after receipt of this notice.
notice.
Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item you are reporting again without my permission which is against the law.
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Pursuant to 12 CFR 1016.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party Pursuant to PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.
Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; Note : Reporting Transaction history is illegal 5 U.S. Code 1681o - Civil liability for negligent noncompliance Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports you are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose,
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07/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The company listed above is reporting inaccurate, outdated, unverified information. These companies are reporting a paid, closed, or satisfied account as open with a balance.
I recently check my credit report and see that INACCURATE, OUTDATED, UNVERIFIED, FRAUDULENT information is being reported to my account. I DEMAND THAT THE ACCOUNTS BE DELETED AND BLOCKED IMMEDIATELY. I have asked you to remove this fraudulent account off my report and you fail to do so. According to the Fair Credit Reporting.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
For your reporting services could fax, mail or email in a fraudulent account.
According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file.
This letter will serve as a demand letter to remove accounts if failure to do so i will be force to take legal action required by my county. I sent you a certified package. Enclosed in that package was : A notarized identity theft report, a copy of valid government identification, current copy of my credit file, a letter stating the items werent authorized by me and a request for the items to be BLOCKED. Please also block my name, address, phone number and social security number on file. I do not consent to the release of my information without contacting me first.
Your records will show that over the years I have disputed these items as Not Mine, they dont belong to me.
You have failed provide me the following ; Balance because the creditor claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did they receive monies from an insurance claim that paid off the alleged account balance?
Did they even fund the account or did you?
Did they take tax credits?
Are they the creditor or really just the servicer?
Did they disclose that they were charging you for the insurance premium to protect against asset loss?
Did they get your approval in writing agreeing to the amount of the premium as require by law?
Did they get the insurance payoff prior to charging off the account?
Is the contract creating the account even valid since they lacked full disclosure and equal risk?
Do they even have a certified copy of the original contract bearing both your signature and their authorized representative 's signature?
Can they provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean they get to send you monthly billing statements. They need a full history document ).
A copy of the original Consumer Contract with my Signature on it which you have on file with the accounts listed below under which accrued the alleged debt.
If companies listed is not named as the Creditor on the original contract, then please provide me with the name and address of the original creditor, as well as proof of your authority to represent the creditor or the consumer in this legal matter. An acceptable form of proof would be ; Power of Attorney ; or an assignment letter appointing you as an Assignee for the debt ; or a statement, sworn to, under penalty of perjury, that the debt is valid, and that you are Legally entitled to collect this debt on behalf of the original Creditor.
The name and official title of the person to whom you verified this information with, their company, or the computer based system used for verification. Please also include the date in which you communicated with that individual or the date by which the system was accessed.
As a requisite of validation, please provide an accounting of any money, property named as collateral, insurance or services subject to, or arising out of the transaction, that created this alleged debt obligation.
Please inform me of the date when the account ( s ) were opened.
Please provide records of any payments or other reductions since the last billing statement for the account ( s ) listed.
Please inform me if youve determined that this debt is within the statute of limitations applicable to it?
Please inform me as to whether these agencies have a debt collection license from the state they are in and reporting to. If not, please explain why.
Please Provide the date of their professional license for debt collection, along with the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license, your Tax ID number on the enclosed W-9, the address of the registered agent, and your business registration number issued by the Secretary of States office.
If you provide the requested documentation, I will require at least 10 days investigating the information you provide. During this time, you must cease and desist all collection activity on my report. Do not report negative information to the credit bureaus during this validation period.
If your office does not respond to this validation request within 10 days, all references to this account must be deleted from my credit reports and completely removed from my credit file. If not removed from my file I will be forced to take legal action which your company can be fined $ XXXX for each violation.
Please send a copy of any such deletion request to me.
My intention is to resolve this matter as quickly and as efficiently as possible your attention to this matter and prompt response is appreciated.
I have no knowledge of these accounts, so therefore its in nature. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof of original contract, you must remove the accounts listed below. If you are unable to provide me with a copy of the verifiable proof that you have on file within 10 days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
This is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Once those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
In the event that your company decided not to block the trade lines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Subsection ( c ) reads as follows : In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. The time frame for a consumer to be notified is within 5 business days after the reinsertion.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX, XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account
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07/07/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXX XXXX XXXX Balance of {$640.00} and Account # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Problem getting your free annual credit report
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Web |
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I am an identity theft victim. The three major credit bureaus should have plenty of official documentation substantiating that fact. For the past 3 years EQUIFAX and XXXX have made it impossible for me to monitor my report for errors or fraud and have refused to correct major fraudulent accounts that are backed by police reports and ID Theft Reports.
They continue to come up with new ways to block my reports and their agents will never tell me anything about why my reports are as they say inaccessible or non-existent. I know they exist. I understand the ID theft can make it more difficult but it really is as if they just would rather not deal with it then take the time to assist me.
They seemingly do whatever they can to block me from viewing my report and it has been this way for the past two years. They always claim a a team is aware of the issue and is on it, or I can not tell disclose any information for the protection of the file. Thats all well and good but I am person of which the file is made and I have the right to know whats on my credit report. After I tell them that, assuming I am not hung up on and this is my 10th attempt.. they will brush me off and tell me I must mail in every piece of identifying information I have. Which, despite the fact that puts me at even more risk for the type of id theft I am trying to address, will allow me to access my report maybe one time before it is blocked again and they are telling me I have to resend my identification again.
I had to contact the CFPB 2 years ago about a XXXX and XXXX XXXX, XXXX and XXXX Credit accounts that were opened or run up fraudulently in my name remaining on my report despite Police Reports and ID Theft reports being sent in by all methods they accepts multiple times. Three years later these accounts that I had to fight so hard to have removed- and was successful, have now been readied to my reports by way of debt collectors and they are rife with erroneous information that on its own, should be enough to have them removed from my file.
Additionally for about XXXX years after the CFPB intervened which led to the accounts being permanently blocked from report my reports and had XXXX XXXX and XXXX corporate notifying me by mail that they had removed or reset the fraudulent accounts and that I would not be responsible for it.. I was finally able to breath thinking that their was finally a real way to hold the CRAs accountable and get them to finally do the right thing. A short time later I discovered, however, after being repeatedly hung up on and refused information that for taking my complaint to the CFPB I had been blacklisted. My report had been placed in a departments like Equifaxs Special Handling department that made it so 98 % of the company could not help me or even open my report. That department was always closed or unreachable.
I found out that these type of departments are where your report ends up if you get the agencies like the CFPB involved. From what I understand the department is comprised of lawyers who ensure they shut you down while taking advantage of every loophole they legally can. It was quite frustrating. Somehow, a year and a half later, I made enough of a stink to get off of that list ( I think ) but ever since my report is either unavailable to me or there is some issue with it that makes it so no service can pull it, not even annual credit report. 50 calls and letters later they would add my ability to review it back and then a couple days later take it away again for months. I still can not dispute online, place a freeze online or do anything someone with active ID theft should be able to do to protect themselves and information immediately.
I even have their highest tier paid subscription and it still never works. None of their customer services reps will help at all in providing any sort of resolution to these issues.
My most recent issue and reason for this complaint is my repeated issues with accessing my report and the fact I have now have had two opportunities for credit that I have applied for be blocked. These companies were not even able to obtain a copy of my report. XXXX and other like services can not pull them either as I pay for their services and this feature, I should be able to have it pulled through them just like everyone else can.
When I called Equifax repeatedly, I continue to get different stories. The latest is that my report is blocked in some way that I have never heard of before and no one there can seem to remove it. Now I cant view my own report, nor can potential lenders and my identity can not be verified.. which has become a very big problem for me and has already cost me both time, money and comfort.
I want my report accessible like everyone else and for them to recognize my identity theft I am an identity theft victim. The three major credit bureaus should have plenty of official documentation substantiating that fact. For the past 3 years EQUIFAX and XXXX have made it impossible for me to monitor my report for errors or fraud and have refused to correct major fraudulent accounts that are backed by police reports and ID Theft Reports.
They continue to come up with new ways to block my reports and their agents will never tell me anything about why my reports are as they say inaccessible or non-existent. I know they exist. I understand the ID theft can make it more difficult but it really is as if they just would rather not deal with it then take the time to assist me.
They seemingly do whatever they can to block me from viewing my report and it has been this way for the past two years. They always claim a a team is aware of the issue and is on it, or I can not tell disclose any information for the protection of the file. Thats all well and good but I am person of which the file is made and I have the right to know whats on my credit report. After I tell them that, assuming I am not hung up on and this is my 10th attempt.. they will brush me off and tell me I must mail in every piece of identifying information I have. Which, despite the fact that puts me at even more risk for the type of id theft I am trying to address, will allow me to access my report maybe one time before it is blocked again and they are telling me I have to resend my identification again.
I had to contact the CFPB 2 years ago about a XXXX and XXXX XXXX, XXXX and XXXX Credit accounts that were opened or run up fraudulently in my name remaining on my report despite Police Reports and ID Theft reports being sent in by all methods they accepts multiple times. Three years later these accounts that I had to fight so hard to have removed- and was successful, have now been readied to my reports by way of debt collectors and they are rife with erroneous information that on its own, should be enough to have them removed from my file.
Additionally for about two years after the CFPB intervened which led to the accounts being permanently blocked from report my reports and had XXXX XXXX and XXXX corporate notifying me by mail that they had removed or reset the fraudulent accounts and that I would not be responsible for it.. I was finally able to breath thinking that their was finally a real way to hold the CRAs accountable and get them to finally do the right thing. A short time later I discovered, however, after being repeatedly hung up on and refused information that for taking my complaint to the CFPB I had been blacklisted. My report had been placed in a departments like Equifaxs Special Handling department that made it so 98 % of the company could not help me or even open my report. That department was always closed or unreachable.
I found out that these type of departments are where your report ends up if you get the agencies like the CFPB involved. From what I understand the department is comprised of lawyers who ensure they shut you down while taking advantage of every loophole they legally can. It was quite frustrating. Somehow, a year and a half later, I made enough of a stink to get off of that list ( I think ) but ever since my report is either unavailable to me or there is some issue with it that makes it so no service can pull it, not even annual credit report. 50 calls and letters later they would add my ability to review it back and then a couple days later take it away again for months. I still can not dispute online, place a freeze online or do anything someone with active ID theft should be able to do to protect themselves and information immediately.
I even have their highest tier paid subscription and it still never works. None of their customer services reps will help at all in providing any sort of resolution to these issues.
My most recent issue and reason for this complaint is my repeated issues with accessing my report and the fact I have now have had two opportunities for credit that I have applied for be blocked. These companies were not even able to obtain a copy of my report. XXXX and other like services can not pull them either as I pay for their services and this feature, I should be able to have it pulled through them just like everyone else can.
When I called Equifax repeatedly, I continue to get different stories. The latest is that my report is blocked in some way that I have never heard of before and no one there can seem to remove it. Now I cant view my own report, nor can potential lenders and my identity can not be verified.. which has become a very big problem for me and has already cost me both time, money and comfort.
Thank You.
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02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements.
For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. i gave them 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute their allegations and challenge them to provide proof that they have the right to report this incomplete negative information about me. Document that they have complied with the reporting requirements, and report without any deviations. If they have not complied with the requirements or there are any negative aspects below that have been challenged, they must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If they continue to report claims that are not perfect, it shows that they do not care about my rights as a consumer.I don't think it's fair for them to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Public Records being challenged in list form XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Dismissed XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit reportThe information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against them Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging them to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because they should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for them : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data.
This is a serious issue! The integrity of their data could be compromised if these standards aren't followed. The report they sent me is not accurate. Are they sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Below is a summary of the data in which I am challenging : Summary of Public Records being challenged in list form XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Dismissed XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Dismissed I am challenging any inaccuracies in my report, under the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards . I also require that all inquiries within my credit profile have a permissible purpose and be accurately sourced, in order to stay on top of any potential issues.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified they need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think their report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge them to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. they should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report they sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct.
Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, their claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that they remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.
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05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXE Account Number : XXXX Please remove it from my credit report.
37. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
38. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account XXXX : XXXX Please remove it from my credit report.
39. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
40. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account NumbeXXXX : XXXX Please remove it from my credit report.
41. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
42. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
43. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
44. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely, XXXX XXXX XXXX
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05/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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Hello, I am writing regarding a 30-day late penalty that has been applied to my credit score due to misinformation given by XXXX.
I took out an installment loan with XXXX XXXX XXXX XXXX in XXXX. Since then, my father has been making the payments for me every month on time. The final car payment was made on XX/XX/XXXX. Since then, I continued to receive numerous letters from XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each stating that the Vehicle Loan is now paid in full.
The Lien Statement, certifying that the lien in favor of XXXXXXXX XXXX XXXX has been fully satisfied is signed by a XXXX XXXX Agent and was sent out on XX/XX/XXXX.
I am currently in the process of trying to purchase a home and had been preapproved in XXXX for a $ XXXX loan from XXXX XXXX I thus have been extremely attentive to ensuring that all my finances are in order. I then found my dream home! As I began to talk offers with my relator and loan officer, I was notified by Equifax that my credit score has dropped almost one hundred points. I instantly called my loan officer in a confused panic.
When my loan officer and I called XXXX for clarification on XX/XX/XXXX, I was informed only then that the payment made over the phone on XX/XX/XXXX bounced due to an incorrectly inputted routing number. XXXX states that they sent out a letter through USPS notifying of the bounced payment. A letter which would have been mailed out AFTER XXXX sent the multiple confirmation letters stating that my loan is paid off in full. I did not receive said letter.
On XX/XX/XXXX at XXXX XXXX I spoke to a supervisor who confirmed the mistakes, inputted a credit dispute, and asked me to pay my final amount of {$730.00} over the phone in order to resolve all issues and pay off the loan in its entirety.
I began to call again in order to gather understanding on what happened with my payment and to ensure that it is being addressed and working towards a resolution. I called XXXX XXXX over 2 dozen times in attempt to gain more understanding of the situation as well as the status of my case. There have been 3 occasions which the XXXXXXXX XXXX call center has given me fake escalation numbers as well as over 8 times that I was abruptly hung up on after being on the line for 40+ minutes. This is very unprofessional and unbecoming of a federal banking institution. The handling of this has felt like a bad transaction in a third world, foreign country, not the United States of America. It gets worse.
I called XX/XX/XXXX and another credit dispute was inputted on XX/XX/XXXX ( case # XXXX ) for the mistake. After talking with multiple XXXX supervisors, each agreed on a recorded line that all late fees would be waivered due to error on their end.
On XX/XX/XXXX I received a letter in the mail from XXXX stating that my final and total amount due is {$750.00}.
On XX/XX/XXXX I received a letter in the mail from XXXX stating that my final and total payment is {$660.00}.
On XX/XX/XXXX I received a letter in the mail from XXXX stating that my final and total payment is {$640.00} and that I must pay by XX/XX/XXXX.
When calling for a better understanding given the confusing and contradicting letters, I was told by one supervisor by the name of XXXX, that my payment was rejected due to XXXX XXXX requirement to have all final loan payments paid by mail, that if a final payment is attempted online or over the phone, the system will automatically reject the payment and that is what happened with my account. I asked XXXX to break down everything that the system is showing for my account and what was mistakenly done by XXXX, as well as a breakdown of the final payment needed. On I believe XX/XX/XXXX, XXXX provided me with my dispute case number ( XXXX ) and told me that my final payment needed is {$710.00}. Due to this being another new amount, I stated that I did not yet feel comfortable making the payment before consulting with my financial officer. Once again, my mortgage lender who I authorized to be on every conversation, is in disbelief of the contradicting information given and the refusal of further assistance in understanding or clarification of a loan process. Something that I, being in the mortgage industry, also have extensive knowledge regarding the laws and rights of a loan.
Given the above information I called back the next day to clarify further. I spoke to supervisor XXXX XXXX on XXXX XXXX who provided me with my credit dispute case number ( XXXX ). XXXX XXXX then information me that the information given to me the day before regarding payment method of my XX/XX/XXXX payment bouncing because it was taken over the phone was indeed false and that all final payments can be taken in any form. When asked why no other form of contact was attempted, I was informed that XXXX only uses USPS mail.
On XX/XX/XXXX XXXX informed me that the final payment amount needed was {$770.00}.
Due to the inconsistency of employee company knowledge and professionalism, I was skeptical and consulted with my financial officer before paying. He advised that this is indeed illegal activity and began to take action writing to XXXX XXXX XXXX, XXXX XXXX, as well as wrote disputes letters to all credit reporting bureaus to ensure that the false 30-day XXXX late fee would be removed and for clarification on what on earth is happening with my account.
At this point in the process, I have been given 3 different dispute case numbers, given incorrect and contradicting payment process information by different supervisors of the company. In addition to having now been told 5 different pay in full amounts that I am expected to pay immediately.
Unfortunately, I was running out of time due to the payment due date approaching and the housing markets interest rates rising by the day, I am terrified that my credit score would be negatively affected again if I did not pay by XX/XX/XXXX even though I had no clue what my true payment was and had no true way of finding out.
I called and spoke to XXXX XXXX the morning of XX/XX/XXXX for another attempt to desperately ask for clarification on what I need to do to end this nightmare once and for all. XXXX XXXX informed me on XX/XX/XXXX that if I paid the final amount BY the due date of XX/XX/XXXX then loan in its entirety would be paid off in full for {$710.00}. I informed her that that was not the amount stated on the letter however she assured me that that was indeed the correct amount needed to be paid. I made the payment over the phone with XXXX XXXX the morning of XX/XX/XXXX for {$710.00}. XXXX told me that the payment would process if paid today, no fees will be attached and that she will reach out immediately if she runs into any issues.
The payment was taken out of my account on XX/XX/XXXX for {$710.00}.
An additional charge of {$45.00} was taken out of my XXXX XXXX account on XX/XX/XXXX labeled REGULAR PAYMENT. I have never received this charge before and was uninformed of it. This payment was unauthorized.
When my XXXX credit score was posted, Equifax notifies me, I look eagerly only to see that a new 30-day late fee had been reported by XXXX XXXX for the month of XXXX.
At this point, I am baffled at the second late fee. The payment IS NOT LATE.
XXXX XXXX is NOT a company which I entrust with my personal information nor my money due to the blunt lack of federal, financial, moral, a legal knowledge which they have used to take advantage of me by giving out false legal documents, false payment information, and inaccurate personal record data.
How am I to pay a company when they can not even tell me what my final loan amount is?
I received a call from XXXX on XX/XX/XXXX from the initial conversation on XX/XX/XXXX to the conversation had on XX/XX/XXXX with XXXX at XXXX who stated she is the highest level accessible and there is no further contact above her. XXXX called to notify me that they will NOT be disputing the 30-day false late fee due to the companys requirement to abide by the ethics in standing by the reporting of only accurate information to the credit bureau XXXX
When XXXX was responded to with the inquiry on why an agent signed lesion statements and numerous letters of confirmation that my loan payment has been paid off in full letters which were sent days after the payment was made and days after the payment bounced as well as the 5 different amounts told due, XXXX IS sending out signed inaccurate information by reporting false information to not only the customer but it is also false credit information being reporting to the bureaus. When asked this XXXX XXXX stayed silent for 8 seconds and finally stated that this is the final determination. Thanked us for our time and ended the phone call.
I am writing to you directly due to the time sensitive severity of removing the past due payment from my records. As I mentioned briefly, I am in the process of trying to buy a home and this has been detrimental to the process. I ended the lease to my 2-year apartment because I was supposed to be moving into my dream home. Now, thanks to XXXX, I lost not only my dream home but also due to the time that this has taken on top of ruining my credit score, they have also ruined the opportunity for me to become a homeowner.
I am writing to plea as my last resort. The bounced payment was not due to lack of funds. I would have corrected the error instantly if I was made aware and would have made the final payment if the final payment amount was given to me with accuracy.
Respectfully.
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06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 22. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 26. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 27. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 28. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 29. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 30. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 31. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 32. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 33. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 34. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 35. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 36. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 37. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 38. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 39. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 40. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 41. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 42. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 43. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 44. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 45. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 46. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 47. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 48. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 49. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 50. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 51. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 52. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 53. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 54. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 55. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 56. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 57. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 58. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 59. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 60. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
61. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
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62. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
63. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
64. The following personal information is incorrect Account Number : CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX
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02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : LAST 4 OF SOCIAL SECURITY NUMBER # XXXX To Whom It May Concern, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
15 USC sS 1681 b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title ; a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.
The following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately.
1. The following inquiry is due to identity theft XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The following inquiry is due to identity theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
3. The following inquiry is due to identity theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
4. The following inquiry is due to identity theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
5. The following inquiry is due to identity theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
6. The following inquiry is due to identity theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
7. The following inquiry is due to identity theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
8. The following inquiry is due to identity theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
9. The following inquiry is due to identity theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
10. The following inquiry is due to identity theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
11. The following inquiry is due to identity theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
12. The following inquiry is due to identity theft XXXX / XXXX Date of inquiry : XX/XX/XXXX XXXX. The following inquiry is due to identity theft XXXX / XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
XXXX. The following inquiry is due to identity theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
My identity has been stolen you are hereby put on notice Aggravated Identity Theft pursuant to 18 USC S1028A ( 1 ) IN GENERAL.
Whoever, during and In relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law. 15 USC sS 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
YOU XXXX, EQUIFAX, XXXX have aided this fraud by not verifying these accounts.
Congress states 15 USC sS 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
1. The following account is due to identity theft XXXX Account Number : XXXX 2. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
3. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
4. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
5. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
6. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
7. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
8. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
9. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
10. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
11. The following account is due to identity theft XXXXXXXX XXXX Account Number : XXXX Please remove it from the consumer report.
12. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
13. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
14. The following account is due to identity XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
15. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
16. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
17. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
18. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
19. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
20. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
21. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
22. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
23. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
24. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
25. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
26. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
27. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
28. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
29. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
30. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts be DELETED immediately.
I demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subjection, the consumer reporting agency shall ( A ) Disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681 ( d ) of this title ; and Thank you, XXXX : XXXX XXXX XXXX Enclosed XXXX copy of ID, Utility Bill showing proof of address, for address proof. FTC Identity theft report with statement of fraudulent accounts/ inquires.
Cc : The Bureau of Consumer Protection Financial ( CFPB ) Cc : Federal Trade Commission Cc : XXXX XXXX XXXX XXXX
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02/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may Concern, I have tried to dispute this account several times over the last few months and I feel that the creditor is using illegal tactics in their reporting of this account. I have requested that this account be removed from my credit reports because it is past the time limit a creditor is allowed to report a debt to a credit bureau. The DOFD should be XX/XX/XXXX. I have asked the creditor to provide me with proof of the DOFD and account information and payment history and they have not complied.
I have included some documentation so that you can see the discrepancies and inaccurate reporting of this account. Each file is named according to what content it contains. I tried to scan the information together so it would adhere to the right time frame as well. Besides having a name each file is numbered. I will explain each file as follows : I sent my last disputes about this account sometime in mid-XXXX. They were sent electronically. I asked for a copy of the disputes from the credit bureaus but they said they could not provide that information. I only filed the disputes with XXXX and Equifax because the account was not showing on XXXX However as of today I see that XXXX/AKA XXXX University is now reporting on XXXX but it shows a different starting balance than the other 2 credit bureaus. I will include this as file marked 1. Please note how this account shows on XXXX with a different original loan amount than it shows on the Equifax and XXXX credit reports.
During this timeframe I called XXXX University/AKA XXXX University on the advice of XXXX XXXX who I had hired to help me with the removal of this account from my credit reports. I spoke with a XXXX XXXX who informed me that the University was undergoing a change in loan servicing and that it was the last day that the person presently handling it was working. I was unable to speak with him. She said the new person. Mr. XXXX would not be available for a couple of weeks.
After that communication I received a letter from them it is the file marked 2 I have not received any other documentation from them. No statements, no loan information etc. In fact I havent had any correspondence from them in years, including no loan statements. I get informed delivery from USPS so I see what mail I am receiving, I have not had any other mail come from XXXX University or their loan servicer.
I noticed a name listed on the account ( XXXX XXXX ) from the dispute results that I had obtained. I called XXXX University and obtained an email for him, which happened to be their CFO. The email communication is file marked : 3. After our initial email communication Mr. XXXX had a Mr. XXXX call me. During my phone call with Mr. XXXX he proceeded to tell me what the credit bureaus had communicated to him in regards to the account. He said that because some payments were made on the account that it would stay reporting to the credit bureaus until the date of the last payment. However, Mr. XXXX did confirm that no payments were made in XXXX. ( Which would make the DOFD XX/XX/XXXX, as the account then became first delinquent ) ) But he said because a payment was made in XXXX that the DOFD had started over, however I explained that the account was never brought current. This did not seem to matter to him, I told him that by law the DOFD should never change. He also said that it looked like there was a forbearance for this account and I told him that this account was never granted a forbearance. He said he was just giving me the information the credit bureaus told him and that the status of the account was decided by the credit bureaus. You will see from the various reports and information regarding this account that the information reporting on the credit bureau reports have changed very often. XXXX is reporting what they want to, not what is accurate information. Every couple months they add a statement to my account which causes my credit score to drop significantly! I have heard this is score suppressing? Also on my Equifax report it shows it typed in notes that the date of my last payment is XX/XX/XXXX but in the payment history it shows the last payment as XX/XX/XXXX. XXXX XXXX-which is the accurate information.
After reaching out to Mr. XXXX, he said that he had forwarded my file to the legal department. However when I called the legal department and left a message they did not return my call. I then decided to send a reply with supporting documents concerning my last disputes to XXXX and Equifax these are files marked 4 and 8 and contain this information.
File marked 10 are the dispute results from XXXX after their reinvestigation ( file marked 8 ) -it appeared nothing changed, other than there is no more account history in XXXX at all. Thus deleting the DOFD information for XXXX and for the XX/XX/XXXX past due payment. Again a sign of re-aging of this account.
I have not received anything from Equifax in regards to the reinvestigation. In fact I dont think they actually did one. I was told to fax them the information as you can see from the file marked 4. However I did not hear from them in regards to their results. I have called them numerous times to check but kept being told that it takes time for them to get the information and process it. I also requested information as to how they validated the account information but was not provided that from either credit bureau.
Files marked A/B/C/D are from my Equifax and XXXX credit reports. These are a quick picture of how differently and inaccurately this account is reporting-file A shows a credit report from XXXX from XX/XX/XXXX which shows the original DOFD as XX/XX/XXXX, it also shows the account as in collections and closed. Then the file marked B shows on XX/XX/XXXX XXXX University omits the DOFD payment history for XXXX and changes the account status to open and 180 days past due, thus re-aging the account.
Next the file marked C shows the credit report pages from Equifax from XX/XX/XXXX the account states the last payment was XX/XX/XXXX but then says DOFD as XX/XX/XXXX ( how can this be when the last payment is in XXXX? ) It also shows it previously as a collection account, then in XX/XX/XXXX it changed account status like XXXX to show 180 days past due and now open, again XXXX University re-aging the account.
The file marked D is my credit report on the Equifax website from XX/XX/XXXX, it now shows the account again in collections -but also shows it 180 days past due instead of account closed? It also has a new DOFD as XX/XX/XXXX, instead of the XX/XX/XXXX they previously reported! ( However XX/XX/XXXX is the correct DOFD and this should never change ).
The file marked 6 is an XXXX credit report page from XX/XX/XXXX. I used this information in my first dispute to XXXX. It shows payment history for this account as being ok in XX/XX/XXXX and no data in XX/XX/XXXX. This is not accurate information and is their attempt to re-age the account. I have included the file marked 15 to show that in fact this account was delinquent 45 days as of XX/XX/XXXX.
XXXX reported on the file marked 6 that the account was current in XXXX of XXXX when it definitely was not, as file 15 proves this. You can actually see from the file marked A -the XX/XX/XXXX XXXX report that XXXX previously reported the correct account information for XXXX and XXXX of XXXX as being delinquent, but then later changed it. Thus re-aging the account.
File marked 15 is the original delinquency email received from XXXX/XXXX University. This account has changed loan servicers 3 times since the original loan. I only know this as I called my local University to ask for original account documentation which they could not provide. I believe this is why it recently changed account status back in XX/XX/XXXX from a collections account to open with current inaccurate late payment history. XXXX University began to re-age the account at this point and it caused my credit scores to plummet.
File marked 11 is an entire year of XXXX/XXXX University account information provided to me from XXXX, you can see the changes to the account as XXXX University repeatedly changed the information they provided as well as reported inaccurate information to the credit bureaus.
I believe I have no other recourse but to file a complaint. I need to move but I am encountering roadblocks because of the recent history changes in the account. XXXX University is trying to re-age this account. It is my understanding that according to consumer protection laws this account should be removed from my credit reports as it has past the date allowed by law to continue to report on my credit history. Also XXXX University is required under the same law to provide me with the history of this account as well as the DOFD of this account if I dispute the validity of what they are reporting. Everyone who has reviewed this account, including an attorney confirms that the XXXX/XXXX University account should be removed from my credit reports, or the credit bureaus is required to provide me with proof of their validation process.
I know I have provided a lot of information and I apologize that there is so much to have to go through. If there is any questions at all please let me know. My phone number is XXXX, do not hesitate to call me. Hopefully you can print it out so that you can see all the differences together. Thank you so very much for your time and attention to this matter.
Best Regards, XXXX XXXX XXXX
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04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the inaccurate information that has been reported on my credit report by XXXX XXXX XXXX XXXX creditor has violated several laws, including the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ).
Regarding the FCRA violation, XXXX XXXX inaccurately reported a 30-day late payment on my credit report. This has had a negative impact on my credit score and my ability to obtain credit.
Furthermore, XXXX XXXX violated FACTA by reporting different Date Last Active dates to different credit bureaus, leading to discrepancies in my credit report. These discrepancies have caused confusion and frustration for me.
In addition, XXXX XXXX violated FDCPA by failing to provide any notification regarding the alleged 60 days past due status of my account. This lack of communication has caused significant stress and XXXX for me, as I was not aware of the situation until seeing it on my credit report.
Firstly, XXXX has inaccurately reported a 30-day late payment on my credit report, without providing any notification or paperwork. I never received any notification from them regarding this account status, nor did they provide me with any paperwork. In fact, the other two credit bureaus did not report any negative information on my account. While all three bureaus show that I was 30 days late on XX/XX/XXXX, I did not miss any payments on this account. This violation of the FCRA is in direct conflict with Section 623 ( a ) ( 2 ), specifically Subsection ( B ) of Section 623 ( a ) ( 2 ).
Secondly, there is a discrepancy in the Date Last Active date that was reported to different credit bureaus by XXXX XXXX XXXX XXXX XXXX. XXXX and Equifax reported a Date Last Active date of XX/XX/2023, while XXXX reported it as XX/XX/2023. This violation of FACTA is in conflict with Section 312 ( a ) ( 1 ), specifically Subsection ( B ) of Section 312 ( a ) ( 1 ).
XXXX Mortgage XXXX XXXX and reported by XXXX, Equifax, and XXXX. I have been greatly affected by this inaccurate information, which has caused me great emotional distress and financial harm.
XXXX and Equifax have reported that my monthly payment was not reported, but XXXX reports it as {$0.00}. Furthermore, XXXX and Equifax show that my account balance is {$0.00}, but XXXX did not report it. This inconsistency could lead to discrepancies in my credit report and affect my creditworthiness.
XXXX has also reported that I was past due 30 days two or three times, even though I never received any notification or paperwork regarding these late payments. Moreover, the other two credit bureaus did not report any negative information on my account. All three credit bureaus reported that I was 30 days late on XX/XX/XXXX and XX/XX/XXXX, even though I did not miss any payments on this account.
These violations of the Fair Credit Reporting Act have caused me significant distress and hardship. As a result of these inaccuracies, I have been denied credit and have had difficulty securing loans. This has impacted my ability to obtain housing and other necessities.
XXXX XXXX XXXX XXXX XXXX account. According to all three credit bureaus, I was reported as being 30 days late on my payment on XX/XX/XXXX, but I did not miss any payment on this account. Furthermore, XXXX and XXXX have reported the payment status as 60 days past due, but I never received any notification regarding this, nor did they provide any paperwork to support the claim.
Additionally, there are discrepancies in the Last Reported date and Date Last Active date between the different credit bureaus, which may lead to further errors in my credit report.
These inaccuracies and discrepancies have had a significant impact on my life. As a result of the negative information on my credit report, I have been denied credit and loans that I needed for my business and personal life. I have also been subject to higher interest rates and fees, which have made it difficult for me to manage my finances effectively.
I strongly believe that the actions of XXXX XXXX XXXX XXXX and the credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated Section 623 ( a ) ( 2 ), Subsection ( B ) of Section 623 ( a ) ( 2 ), and Section 623 ( a ) ( 1 ), Subsection ( B ) of Section 623 ( a ) ( 1 ).
I am requesting that you take appropriate action to enforce the legal provisions and ensure that XXXX XXXX XXXX XXXX and the credit bureaus remove these unverified accounts from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX, I was 30 days late on my payment on XX/XX/XXXX, and the payment status is past due 60 days. However, I never missed a payment on this account, and the other two bureaus did not report any negative information on my account.
This inaccurate reporting has caused me significant distress and harm. As a result of this error, I have been denied credit, and my credit score has suffered, making it difficult for me to obtain loans and other financial services. This has had a direct impact on my personal life, causing stress and XXXX.
I believe that XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting my payment status and late payment to XXXX, without providing any notification or paperwork as required by law. This violates Section 623 ( a ) ( 2 ) of the FCRA, specifically Subsection ( B ) of Section 623 ( a ) ( 2 ).
I urge you to enforce the law and ensure that XXXX XXXX XXXX XXXX corrects this error and removes this unverified account from my credit report. Thank you for your attention to this matter.
Specifically, XXXX has reported that I was 30 days late on my XXXX XXXX account on XX/XX/XXXX, and that the payment status is due 30 days. However, I did not miss any payment on this account and the other two credit bureaus did not report any negative information on this account. Additionally, I never received any notification or paperwork regarding this supposed delinquency.
This inaccurate reporting has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), Subsection ( B ) of Section 623 ( a ) ( 2 ) which requires accurate reporting of payment status and late payment, and Section 623 ( a ) ( 1 ), Subsection ( B ) of Section 623 ( a ) ( 1 ) which requires consistent reporting of information to all credit bureaus.
XXXX ( account number XXXX ) to XXXX and potentially other credit bureaus regarding my mortgage payment status. Specifically, XXXX mentioned that the payment status is 60 days past due, which is inaccurate and damaging to my credit profile. I have never received any notification from XXXX regarding this 60 days past due account, and they have not provided me with any paperwork to support this claim. Furthermore, the other two bureaus have not reported any negative information on my account, contradicting the claim made by XXXX.
I believe that XXXX has violated the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Sections 607 ( b ) and 312 ( a ), respectively. These sections require consumer reporting agencies to provide notice to consumers before reporting negative information to their credit reports and to follow reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report.
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has reported inaccurate information on my credit report. My account type is showing as open, even though it is actually a collection account. Furthermore, the creditor never sent me any paperwork notifying me that they had sold my account to a collection agency, which means that I did not receive proper notification as required by law.
These actions by XXXX XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies and creditors report accurate and complete information to credit reporting agencies ; Section 611 ( a ) ( 1 ), which requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of consumer reports ; and Section 605 ( a ), which requires that credit reporting agencies maintain accurate and complete files on consumers.
Additionally, the collection agency that purchased my account from XXXX XXXX XXXX failed to provide me with written notice of the transfer of my debt within five days of the transfer, as required by the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ). This failure to provide proper notice is a violation of FDCPA.
The false reporting and lack of notification by XXXX XXXX XXXX and the collection agency have had a profound impact on my life. As a result of their actions, I have been denied credit opportunities and have had to pay higher interest rates for loans and credit cards. I have been forced to delay important life milestones, such as purchasing a home or starting a family, due to the negative impact on my credit score.
Therefore, I am requesting that the above-mentioned creditors immediately remove the unverified accounts from my credit report as required by law. I hope that you will take action to enforce these legal requirements and prevent these creditors from continuing to harm consumers like myself.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the inaccurate information that is being reported on my credit report. The information being reported is not only incorrect but is also causing serious damage to my life. I believe that the creditor has violated several laws, including the FCRA and FACTA.
Under the FCRA, Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, my correct name, " XXXX XXXX XXXX, '' has been reported as " XXXX XXXX '', " XXXX XXXX '', and " XXXX XXXX XXXX ''. This is a clear violation of this section.
Furthermore, under Section 611 ( b ), credit reporting agencies are required to provide a free annual disclosure of consumer reports. I have requested a copy of my credit report and found that the information being reported is not accurate. I have the right to dispute any inaccurate information and have it removed from my credit report.
Under the FACTA, Section 312 ( a ) ( 1 ) requires that credit reporting agencies use reasonable procedures to ensure that the information they report is accurate. However, multiple addresses that are not associated with me have been reported, including XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This is a clear violation of this section.
In addition, Section 312 ( a ) ( 4 ) requires the credit reporting agencies to report the information in a way that is understandable to the consumer. However, reporting my name in various formats that do not reflect my correct name is a violation of this section. This has caused me significant emotional distress and has affected my ability to secure loans, obtain employment, and even find housing.
XXXX XXXX with account number XXXX. I have noticed several inaccuracies in the reporting of this account, which has negatively affected my credit score and my ability to obtain credit.
According to XXXX, the last verified date of this account is XX/XX/XXXX, while Equifax did not report any verified date. Moreover, XXXX reports the date of last activity as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. Equifax also reported that I was 190 days late on XX/XX/XXXX, which is not accurate as I did not miss any payment on this account. Furthermore, both XXXX and Equifax reported the payment status as charge off, but I have never received any notification from them regarding this charge off account, and they have not provided any paperwork to support it. Finally, XXXX reports the last payment date as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX.
These inaccurate reports have caused significant harm to my credit score and financial well-being. I have been denied credit and have had to pay higher interest rates due to these errors. Moreover, the stress and XXXX of trying to correct these inaccuracies have taken a toll on my mental health.
I believe that XXXX XXXX has violated several laws, including the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires furnishers of information to provide accurate information, FCRA Section 611 ( a ) ( 5 ) ( A ), which requires prompt notice of dispute to information provider, FCRA Section 623 ( a ) ( 2 ) ( B ), which requires the correction and deletion of inaccurate information, Equal Credit Opportunity Act ( ECOA ) Section 202 ( a ) ( 1 ), which prohibits discrimination, and Fair Credit Billing Act ( FCBA ) Section 1666 ( a ), which requires prompt correction of billing errors.
XXXX XXXX XXXX I have noticed several errors in the information reported on my account, which has had a significant impact on my life.
According to my credit report from XXXX, the last verified date for my XXXX XXXX account is XX/XX/XXXX. However, the other two bureaus did not report anything. Additionally, XXXX and Equifax are reporting a date of last activity of XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX. The date reported by XXXX is also different from XXXX and Equifax. Furthermore, XXXX and Equifax are reporting that the date the account was opened was XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX.
The most significant error is that all three bureaus are reporting that I was 90 days late on XX/XX/XXXX, but I did not miss any payments on this account. This misinformation has caused my credit score to drop significantly, making it difficult for me to obtain credit, loans, and even employment.
I believe that XXXX XXXX has violated several sections of the Fair Credit Reporting Act, including Section 607 ( b ) for reporting inaccurate dates of last activity, last payment, and delinquency status. They also violated Section 611 ( a ) ( 5 ) ( A ) for failing to provide prompt notice of dispute to the information provider when I disputed the delinquency status of the account. Additionally, Section 623 ( a ) ( 2 ) ( B ) was violated when XXXX XXXX reported a delinquency status on the account when I did not miss any payments.
Furthermore, XXXX XXXX XXXX have violated the Equal Credit Opportunity Act Section 202 ( a ) ( 1 ) by unfairly reporting me as delinquent on payments when I did not miss any payments.
XXXX ( Account Number : XXXX XXXX
The account is being reported as open, but it is actually a collection account. I never received any paperwork or notification from the creditor informing me that my account had been sold to a collection agency. This failure to notify me is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ) - Validation of debts.
Furthermore, I disputed the accuracy of the account with the collection agency, but they did not provide me with notice of the dispute to the credit reporting agencies, violating the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) - Duty to provide notice of dispute.
In addition, the account is being inaccurately reported as an open account, when it should be reported as a collection account, violating the FCRA Section 623 ( a ) ( 5 ) - Duty to delete inaccurate information.
After a thorough review, I have identified several violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Regarding the collection account with the creditor XXXX, account number XXXX, the account is showing as open, but it is a collection account. The creditor never sent me any paperwork notifying me that my account was sold to a collection agency, and I was never informed of this change. This is a violation of FDCPA Section 809 ( a ), which requires that a validation notice be sent to inform the debtor of the debt and their right to dispute it within five days of the initial communication.
Regarding the collection account with the creditor XXXX, account number XXXX, the account is showing as closed, but it is a collection account. The creditor also failed to send me any notification that my account was sold to a collection agency, and I was never informed of this change. This is a violation of FCRA Section 623 ( a ) ( 5 ), which requires that inaccurate information be deleted.
Furthermore, I disputed the accuracy of both of these collection accounts, and the collection agency failed to provide me with notice of the dispute to the credit reporting agencies. This is a violation of FCRA Section 623 ( a ) ( 3 ), which requires that notice of a dispute be provided.
Upon reviewing my report, I have noticed multiple inquiries made without my authorization or a permissible purpose. The following inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I believe that these inquiries were made without a permissible purpose, which is a violation of Section 604 of the Fair Credit Reporting Act. Additionally, Section 607 requires consumer reporting agencies to maintain reasonable procedures to ensure that the information in credit reports is accurate. By allowing these unauthorized inquiries to appear on my report, the reporting agencies have failed to comply with this section.
Furthermore, I have disputed the accuracy of some of the inquiries on my credit report in the past, but the consumer reporting agencies failed to conduct a reasonable investigation or correct the inaccurate information, which is a violation of Section 611.
These unauthorized inquiries have had a significant impact on my life. I have been denied credit and other financial opportunities due to the negative impact on my credit score caused by these inquiries. This has caused me a great deal of stress and XXXX, as I am unable to provide for my family in the way that I want to.
I request that these unauthorized inquiries be removed from my credit report immediately, as they are inaccurate and a violation of my rights under the Fair Credit Reporting Act. I also request that the consumer reporting agencies conduct a thorough investigation into this matter and take appropriate action to prevent similar violations from occurring in the future.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
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01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
18. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
22. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
23. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
24. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
25. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
26. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
27. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
28. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
29. The inquiry was not authorized XXXX XXXX XXXX XXXX.
Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
30. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
31. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
32. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
33. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
34. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX.
Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
35. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
36. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
37. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
38. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
39. Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX 2. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX THE XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, TX XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX 9. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. This is also the CARES Act Violation no late payments during the COVID-19 crisis XXXX XXXXXXXX XXXX Account Number : XXXX Incorrect Late payment reported. XX/XX/2021 your improper procedures are highly damaging to my credit score. Please immediately update to no late payments reporting or delete this item.
10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Account type : Debt Buyer your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting.
11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Account type : Debt Buyer your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting.
12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting.
13. Under 15 U.S. Code 1692j - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting.
14. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX.
XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
15. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX.
XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
16. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX.
XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
17. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
18. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
This is the second time these accounts have been removed and re-placed on my account. This company is making up account numbers and false information each time to report on my credit. This is a XXXX purchased debt. Block this company from continuation of damages that are being caused to me with your allowance. This company performs illegal practices and violations of FCRA.
I do not consent to e-Oscar or any means of automated verification.
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXX.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX , XXXX & XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
|
10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
On XX/XX/XXXX I sent out these six letters to Equifax, XXXX, and XXXX regarding the wrong Information on my crediting report which is caused drastic decrease on my credit score.
Equifax Information Services LLC XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I recently checked a copy of my credit report and found that you are reporting inaccurate, noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCE and is listed as an OPEN ACCOUNT.
XXXX. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX This XXXXXXXX XXXX account is reporting as an opened account and with a past due balance of {$360.00} on my credit report on Equifax but XXXX this account is reporting unpaid but with a past due balance as {$360.00}.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX This XXXX XXXX XXXX account is reporting as an opened account and with a past due balance of {$630.00} on my credit report on Equifax. On XXXX this account is reporting as debt buyer but with a past due balance of {$630.00}.
.
This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated a permanently removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I recently checked a copy of my credit report and found that you are reporting inaccurate, noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCE and is listed as an OPEN ACCOUNT.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reporting as an open account and with a past due balance of {$360.00} on my credit report.
XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX account is reporting as an open account and with a past due balance of {$630.00} on my credit report.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reporting as an open account and with a past due balance {$400.00} on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reporting a past due balance of {$1600.00} on my credit report.
This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I recently checked a copy of my credit report and found that you are reporting inaccurate, noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCE and is listed as an OPEN ACCOUNT.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reporting as a debt buyer account and with a past due balance of {$360.00} on my credit report. But This same XXXX XXXX account is reporting as an opened account and with a past due balance of {$360.00} on my credit report on Equifax XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account is reporting as unpaid account and with a past due balance of {$630.00} on my credit report. This same XXXX XXXX XXXX account is reporting as an opened account and with a past due balance of {$630.00} on my credit report on Equifax.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reporting a past due balance of {$1600.00} on my credit report.
This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanntly removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom it may concern, While looking at my credit reports I have noticed the account below had a discrepancy in the " payment history '' section of the listing : XXXX ( XXXX ) This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately. It is also my understanding that Under the FCRA 15 U.5.C. 5 16B1i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification are adhering to mandated Metro 2 data formatted reporting standards according to regulation XXXX ( XXXX ) When the requested above deletions are made, please mail me an updated copy of my credit report.
Kind Regards, Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : XXXX ( XXXX ) This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item Immediately. It is also my understanding that Under the FCRA 15 U.5.C. 5 16B1i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification are adhering to mandated Metro 2 data formatted reporting standards according to regulation XXXX ( XXXX ) When the requested above deletions are made, please mail me an updated copy of my credit report.
Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom it may concern, While looking at my credit reports I have noticed the account below had a discrepancy in the " payment history '' section of the listing : XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately. It is also my understanding that Under the FCRA 15 U.5.C. 5 16B1i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification are adhering to mandated Metro 2 data formatted reporting standards according to regulation When the requested above deletions are made, please mail me an updated copy of my credit report.
Kind Regards,
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03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -This address is not correct. Delete it immediately from my report.
2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -This address is not correct. Delete it immediately from my report.
3. The following personal information is incorrect Account Number : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
4. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
5. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
6. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
7. The following personal information is incorrect Account Number : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
8. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX -This address is not correct. Delete it immediately from my report.
9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX -This address is not correct. Delete it immediately from my report.
10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX -This address is not correct. Delete it immediately from my report.
11. The following personal information is incorrect Account Number : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
12. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX : SS # : XXXXXXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
|
07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : SS # : XXXX DOB : Date of Birth : XX/XX/1988 Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDIN
G LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporti
ng agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -This address is not correct. Delete it immediately from my report.
2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX -This address is not correct. Delete it immediately from my report.
3. The following personal information is incorrect Account Number : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
4. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
5. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
6. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
7. The following personal information is incorrect Account Number : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
8. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX -This address is not correct. Delete it immediately from my report.
9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -This address is not correct. Delete it immediately from my report.
10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -This address is not correct. Delete it immediately from my report.
11. The following personal information is incorrect Account Number : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
12. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for
: 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System XXXX : XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX
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12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXXXXXX XXXX and Equifax on any of my consumer report to provide and exchange any information to each other.
Equifax is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETED INDEFINITELY AND IMMEDIATELY.
A year ago I sent Equifax a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
This account is not with XXXX XXXX anymore they have sold the account to a collection agency WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, XXXX XXXX, Equifax with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, Equifax is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXXXXXX XXXX or Equifax, the permission. I RESCINED any permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge a year ago Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. Equifax is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. Equifax IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXX XXXX or Equifax to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXXXXXX XXXX by law is suppose to send me a 1099-C so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. Equifax and XXXXXXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice Equifax and XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that Equifax and XXXX XXXX is abusing and violating.
In XXXXXXXX XXXX credit card agreement on page XXXX point XXXX it say WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT AND MAY NEGATIVELY IMPACT YOUR CREDIT SCORE.
They can not report to my account becuae a third party debtor has my account in collection at this point they aare reporting is misleading and untrustworthy. On page XXXX of their credit agrrement as they have stated on point XXXX. Your Billing Rights Under the Fair Credit Billing Act.
Your Billing Rights : Keep This Document For Future Use.
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off for false and misleading reporting I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
Respectfully, XXXX XXXX
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04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
I believe XXXX XXXX XXXX is incorrectly reporting overdue/late payments on a home mortgage listed on all of credit bureaus. I base this belief on the following information.
I owned a home in XXXX XXXX in XXXX of XXXX, when I was diagnosed with a life threatening illness which left me XXXX and unemployable. My wife and our family were required to relocate to XXXX to obtain employment capable of sustaining our family.
We looked into selling our XXXX house in XX/XX/XXXX, but would have been severely under water. We were able to find renters from XX/XX/XXXX thru XX/XX/XXXX ; when the renters received military XXXX XXXX. We revaluated the option of selling ; but the market had not improved. We were able to sign new renters to a short-term 6 month lease in XX/XX/XXXX. In the XXXX of XXXX, those renters became unreliable and we decided to move to a month-to-month rental with them ; while listing the house for sale at the same time. There was not one single offer at all on the home for 6+ months. The 2nd set of renters gave their 30 day notice to move out at the beginning XX/XX/XXXX.
At the beginning of XX/XX/XXXX, [ After consultation with our realtor, the Veterans Administration ( VA ), and XXXX XXXX XXXX ( XXXX ) ], we initiated the process of a Deed-In-Lieu ( DIL ) with both the VA and XXXX. I have attached the following : 1 ) The formal request letter to XXXX dated XXXX XX/XX/XXXX, 2 ) an email dated XXXX XX/XX/XXXX documenting XXXX representative XXXX XXXX confirmation that my wife and I had submitted all required paperwork necessary to begin processing our DIL request, 3 ) An email dated XXXX XX/XX/XXXX from VA representative XXXX XXXX confirming XXXX had completed an appraisal of the XXXX XXXX house on XXXX XX/XX/XXXX with an appraised value of XXXX, The renters moved out of the house at the end of XX/XX/XXXX and the home was vacant since that time. We continued to pay the monthly mortgage due ( on-time ) for both months of XXXX and XX/XX/XXXX. Money was getting tight while paying two mortgages on my wifes income and my retirement/XXXX pay.
In early XX/XX/XXXX ; we received a Notice of Approval for a Deed in Lieu of Foreclosure Letter from XXXX dated XXXX XX/XX/XXXX with a lot of information. The main points of concern were, Conditions that must be met You and all other occupants must vacate your property and the title must be clear and marketable by XX/XX/XXXX, the vacate date. Understand that any personal belongings left after XX/XX/XXXX, the vacate date become the property of XXXX XXXX XXXX XXXX, Transfer/closing To complete the transfer of ownership of your home back to the owner of your mortgage, you must sign and complete all required documents provided to you by a third-party attorney, or title company acting on behalf of XXXX XXXX XXXX XXXX.
On XXXX XX/XX/XXXX ; we signed, dated, and faxed back our agreement to the terms of the approval for the Deed-in-Lieu to XXXX. Furthermore ; I phoned Mr. XXXX XXXX, Home Preservation Specialist, XXXX XXXX XXXX XXXX, phone : XXXX Ext XXXX. To inform him that the house was already vacant with all personal property removed and in marketable condition on XXXX XX/XX/XXXX ; there was no need to wait until XXXX XX/XX/XXXX.
We did not have sufficient funds in reserve to pay for our XXXX home 's XX/XX/XXXX mortgage and our XXXX home 's XX/XX/XXXX mortgage payment. It was my understanding ( after my phone conversations with Mr XXXX ) that once we vacated the XXXX home ( for purposes we are discussing here ) on the XXXX mandated Vacate Date of XXXX XX/XX/XXXX ... The House and ALL personal property with the house ; became the property of XXXX XXXX XXXX, XXXX ; as per their letter dated XXXX XX/XX/XXXX. At which point, we were not responsible for further mortgage payments. ( This is due in part to the fact it was a VA backed mortgage, and Lenders can not report mortgage payments as being late until the XXXX of the month on VA backed mortgages ).
In this case, I would only have missed the XX/XX/XXXX mortgage payment on the XXXX house. I should not be showing as late on any following months as I was no longer in possession of the house. It doesn't make sense to be held financially responsible for thousands of dollars for three additional months ; for a home you were required to vacate for those months.
It appears from an internet search on the property sales of the home, XXXX eventually sold the house on XX/XX/XXXX for {$200000.00} ( see attached XXXX search from XX/XX/XXXX ). In addition, the Veterans Administration paid out approximately {$39000.00} and change to XXXX XXXX XXXX XXXX, to cover the deficiency balance between what was owed after the Deed in Lieu and the sale price on XX/XX/XXXX. So it appears that XXXX XXXX ended up recouping a total of {$240000.00} for the XXXX house. Which is pretty much a break even for them ; if not more than what I actually owed at the time of the Deed in Lieu.
Which brings up the question ; was XXXX XXXX XXXX XXXX, dragging this process out so that I could not afford to keep up with dual mortgage payments. In order for them to be able to collect the deficiency balance from the VA? In the XXXX letter dated XX/XX/XXXX it states that if I was able to meet all of the conditions stated in the letter ... '' and the mortgage is released, the investor ( and other interested parties ) waives its right to seek a deficiency balance under the mortgage note and/or related documents. '' My main concern, at this point, is the fact that I know have to pursue a purchase of a new build home which is more ADA compliant for myself, and an aging parent. In order to restore my full VA home loan entitlement, I had to repay the Veterans Administration the full amount it had to payout to XXXX XXXX XXXX, XXXX.. A total repayment on my part of the full {$39000.00} and change in the last 30 days. I can provide documentation of payment to the VA if requested. So, I have absolutely no outstanding federal debts, or obligations tied to this mortgage.
I understand that the Deed in Lieu will be reflected on my credit report. The issue I am debating is how XXXX is reporting the late payment status with the Equifax, XXXX, XXXX, and XXXX credit bureaus. I have attached copies from the first three bureaus which were pulled on XXXX XX/XX/XXXX. I am waiting on a mailed report from XXXX.
The Equifax payment status is reflecting, " At least 120 days, or more than four payments past due. ( updated XX/XX/XXXX ), but the payment history is reflecting all current from XXXX XXXX.
The XXXX payment status is reflecting, " Credit grantor received deed for collatoral in lieu of foreclosure on a defaulted mortgage '' ( updated XXXX XXXX ), and the payment history is reflecting XXXX : XX/XX/XXXX late, XX/XX/XXXX60 Late, XXXX 90 Late, XX/XX/XXXX Negative.
The XXXX Payment status is relecting, " 120 days past due '' ( updated XX/XX/XXXX ), and the payment history is reflecting XXXX : XX/XX/XXXX30 late, XX/XX/XXXX 60 late.
I am still waiting to see how the XXXX reporting is affecting my credit scores.
I received a letter dated XXXX XX/XX/XXXX, from XXXX XXXX XXXX which states, '' We discovered a processing issue that affected our credit reporting. We apologize for this issue and we want to share the steps we have taken to address it. '' " When the deed in lieu was finalized, the closed date wasn't furnished to the consumer reporting agencies.
We've notified the consumer reporting agencies to include the correct date on your credit report.
You may reach out to the consumer credit reporting agencies. They can confirm that they completed the updates ... '' The problem with this XXXX XX/XX/XXXX letter is that is does not identify the CORRECTED DATE the Deed in Lieu was supposed to be finalized and updated with at the consumer reporting agencies. It is totally vague! I waited a few weeks from the time I received the XXXX XX/XX/XXXX letter ; to give the consumer reporting agencies to update their systems.
Then I did follow up with the credit reporting agencies on of XXXX XX/XX/XXXX. Equifax was the only one with a XXXX update ( and I submit an incorrect update ). XXXX 's last update was XXXX XXXX. XXXX 's last update was XX/XX/XXXX.
It was at this point in XXXX that I began disputes with the three main credit bureaus and also contacted XXXX directly to try and resolve this issue.
I was put in contact with a Mr. XXXX XXXX, Executive Resolution Specialist, Customer Care and XXXX XXXX ( Phone : XXXX ext XXXX ) to act as my liaison through my dispute process with XXXX.
I sent XXXX a fax request an update to reflect no missing payments to all of the consumer credit reporting agencies on XXXX XX/XX/XXXX. ( See attached Fax dated XXXX XX/XX/XXXX ).
I ended up receiving a letter dated XXXX XX/XX/XXXX from XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XX/XX/XXXX. It stated they had received my inquiry and their goal would be to try and and provide a response by XXXX XX/XX/XXXX. ( See attached letter dated XXXX XX/XX/XXXX ) During the interval of time between XXXX XXXX and XXXX XX/XX/XXXX ; I had several conversations with Mr. XXXX ( some heated ones ) in regards to the status of my credit reporting dispute. We were unable to see eye-to-eye. I received XXXX response to my dispute the evening of XX/XX/XXXX, from Mr. XXXX via email. It was less than satisfactory, in my opinion. ( see attached letter datedXX/XX/XXXX
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07/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Consumer Financial Protection Bureau Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IA XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] EIN XXXX ( XXXX ) XXXX Account # XXXX Alleged Balance $ {$460000.00} up to {$500000.00} NOTICE : Filing on behalf of XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX, XXXX illegally used my identity to create a Mortgage and said Instrument. The banks have hindered me from renting selling my property and have disrupted my quality of life for the past 7-10 years. The substantiated evidence and facts therein has been given to XXXX aka the alleged owner and investor of said loan on multiple occasions. XXXX stated to me for years that they are the owner of such a loan. I did not give none of the banks involved permission to use my Social Security nor my identity to obtain such a loan. I do not have a credit history with XXXX XXXX XXXX XXXX nor with XXXX XXXX as well mention. I have communicated with multiple agencies to investigate this alleged mortgage and find that they credit agencies have removed this alleged loan from my history in full. Several Years ago I and my husband have filled this same complaint with the CFPB and no results so far this is why I and my husband are requesting that this be placed in the hands of the XXXX Attorney General for legal due process. A Securitization and XXXX XXXX XXXX has been produced within the past two years and has shown multiple issues therein. XX/XX/XXXX XXXX XXXX XXXX employee XXXX XXXX XXXX placed a Corporate Mortgage lien on my property which is 10 years later that the alleged acquisition they the banks alleged to have taken place on XX/XX/XXXX another date given by banks is XX/XX/XXXX and again XX/XX/XXXX. XX/XX/XXXX I and my husband filed a lawsuit against THE CEO CHAIRMAN XXXX XXXX and it was later dismissed XX/XX/XXXX for lack of personal jurisdiction therefore without the Bank providing any proof or legal connection to my property I and my husband are preparing to file within the proper jurisdiction against said person in the near future if this is not resolved within the next 15- 30 days. XXXX LATEST RESPONSES As of XX/XX/XXXX, XXXX XXXX mailed a letter requesting permission to release private information they should not be privy too nor where given permission to have to release this information to third party agencies. How can we allow this bank XXXX XXXX to release such personal and private information that was never given to them by XXXX XXXX XXXX and husband XXXX XXXX XXXX. RESULUTIONS Release Mortgage Assignment and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and personal identity asap. Release Mortgage Lien on my private and personal name and property with the next 30 days. A lawsuit Claim shall be filed thereafter this dispute has not been satisfied in the eyes of private citizens XXXX XXXX XXXX and husband XXXX XXXX XXXX. Transfer Documents and claim complaint to US DOJ for permission to file federal law suit. request from the FDIC for insured banking instrument information concerning loan. IDENTITY THEFT Due to the fact that identity theft is tied to payoff and investments made on the behalf of my husband XXXX XXXX XXXX with XXXX XXXX XXXX the complaint shall be in four parts with each position of each bank involved with full reports therein. That of 1. XXXX XXXX XXXX XXXX, XXXX aka XXXX XXXX XXXX now acquired allegedly by XXXX XXXX in XX/XX/XXXX, 3. XXXX XXXX XXXX, d.b.a XXXX XXXX XXXX, now acquired allegedly by XXXX XXXX XXXX as of XX/XX/XXXX - XX/XX/XXXX, 4. XXXX XXXX XXXX XXXX allegedly acquired by XXXX XXXX XX/XX/XXXX, for the missing CUSIP and Investments by said investor XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. HISTORY OF DISPUTE WITH BANKS On XX/XX/XXXX I purchased may home located at XXXX XXXX XXXX XXXX XXXX CA XXXX jam the original owner and the first owner of my home and private property. On XX/XX/XXXX my home was paid in full Cc letter from XXXX XXXX payoff dept. This loan was not reassigned not was there a new servicer nor any other banking details just PAID IN FULL PAID OFF. This came about when my husband had secured a XXXX dollar investment deal with XXXX XXXX XXXX. The amount owed to him as of XX/XX/XXXX-XX/XX/XXXX was {>= $1,000,000} USDA for this was an investment BOND for {>= $1,000,000} that was for his clothing company XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX attempted to trick us into a refinance for {$510000.00} once the good faith estimate was done the deal began to change to a basic refinance to a arm balloon deal and the offer for {$510000.00} was changed to {$460000.00} by XXXX XXXX XXXX. Thereafter we decided not to do a refinance and just keep the loan we had with XXXX XXXX TX. So on XX/XX/XXXX I and my husband signed the right to cancel document only and placed a copy in the mail as well faxed and delivered a copy of the RTC or rescission documents stating that we had 72 hours to cancel and we did within 24 hours. XXXX XXXX of XXXX XXXX XXXX d.b.a XXXX XXXX XXXX sent confirmation letter that the right to cancel was excepted on XX/XX/XXXX, as well that there was not hard hits on our credit reports. For at the time i and my husband was very concerned because we where rebuilding our credit scores which fell below XXXX ratings. We received the letter on thereafter XX/XX/XXXX with this date and it was mailed USPS metered mail with tracking and we kept both the letter and the envelope. I continued paying XXXX XXXX until XX/XX/XXXX received the payoff notice paid in full. As of XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX began calling and harassing my family friends in other states and as well my neighbors stating that we did n't pay our bills and a list of other lies which did and was embarrassing at the time. XXXX claimed that they where the owner of the note or mortgage rather they never placed a mortgage assignment on the property, nor was there any written notice that they acquired servicing rights or note! they also claimed that they the investor was XXXX located in North Carolina but we spoke with and received a letter via email that this was a fraud discovered by the FTC in XX/XX/XXXX/XX/XX/XXXX. They later then changed the alleged Investor information to a XXXX XX/XX/XXXX. XXXX [ XXXX ] XXXX also began stating that they owned the mortgage note and stated on XXXX occasions that they acquired it from XXXX as of XX/XX/XXXX. The first time they stated this they claimed they acquired it XX/XX/XXXX. Then another statement or letter claimed they XXXX acquired the note on XX/XX/XXXX and another claim for acquisition by XXXX was for XX/XX/XXXX sent to me on XX/XX/XXXX. Three different dates which are false. We my husband and i noticed that there where some fraudulent issues being reported, XXXX claimed that i was paying them through XXXX mortgage as of XXXX. This is impossible because I was sending my payments to XXXX mortgage Co located in Texas. No relations to XXXX until XXXX was acquired as of XX/XX/XXXX by XXXX. My husband received notice that a lien was placed upon his name and the house that was not in his name but my name as of XX/XX/XXXX for a XXXX credit card whom XXXX removed the lien XX/XX/XXXX. Very strange. XX/XX/XXXX XXXX XXXX XXXX former employee of XXXX XXXX XXXX XXXX and now currently employed by XXXX place a Mortgage Assignment on my property without notice as well on XX/XX/XXXX I was at the local XXXX XXXX County Registrar office to record a document but never saw the Mortgage Assignment as I learned that upon doing a securitization analysis and a XXXX XXXX. There are also over XXXX banks breaking chain of title and more please see the XXXX XXXX and the securitization analysis. XX/XX/XXXX myself and my husband filed a claim against XXXX XXXX XXXX '' CEO and Chair of XXXX for fraud forgery identity theft and included was the missing USDA Bond for XXXX XXXX XXXX in the amount of $ XXXX XXXX XXXX XXXX USDA. The case was later dismissed for lack of personal jurisdiction. All this information concerning my home i.e. mortgage assignment is false we are requesting permission to file a law suite against XXXX XXXX and other banks involved. Please provide us such passage to do so. For they are claiming that we owe them XXXX {$500000.00} as well they have extorted me for more than {$140000.00}. Pain and suffering and more. XXXX XXXX XXXX XXXX XXXX and such the like of a mortgage company has yet to provide any proof of this alleged mortgage assignment nor of any real living agreement or transfer of funds for said loan. No invoice or bank check for proof of funding just a forged note. STEPS TAKEN Multiple attempts for proof of NOTE MORTGAGE AND PAYMENT INFORMATION has been requested by XXXX XXXX XXXX and husband XXXX XXXX XXXX with payoff and discharged options. This information was sent to the CEO Chairman/ CFO and their payoff departments as well their legal representative XXXX XXXX whom writes a blog for the CFPB. Rather ignored by all parties [ the banks ] involved. Attached are all documents provided by the XXXX or XXXX XXXX XXXX and husband XXXX XXXX XXXX as discharged charge off and payoff information that is deemed legal, without recourse.
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04/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have sent 3 letters to Equifax I am attaching the letters along with proof of certified mail that they received my letters and certified letters from the so called creditors that are in clear violation of the law. XXXX, XX/XX/XXXX I sent letters notifying Equifax of violations by XXXX XXXX {$760.00}, XXXX XXXX XXXX {$690.00} and {$190.00} XXXX XXXX {$990.00} XXXX XXXX {$230.00}, {$190.00}. These collections companies are claiming I owe them these amounts. I requested Full validation. All four failed to provide Proper validation in accords to FCRA. Equifax 3 times claimed they verified it as accurate. I ask how is it possible when these so called creditors will not provide me anything with my signature or anything showing I have any just caused to give them anything? I ask who verified these? How? What method of verification? These accounts should be deleted just on the fact alone they failed to provide validation within the 30 days the FCRA LAW allows, Section 809 { b }, 15 U.S.C & 1692g { b } states " if the consumer notifies the debt collector in writing within the 30 day period disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or verification of the debt or any copy of a judgement ''. What is more there is a clear violation of FCRA Section 623 { a } { 1 } { a } which states " It is illegal to report information that you know or believe is inaccurate. You have a " reasonable cause to believe '' that information is inaccurate if you have knowledge.
XXXX XXXX claims I had XXXX XXXX. XXXX operates on contracts. If XXXX is in possession of the signed contract between me and XXXX then please produce it now! You cant because it does not exist! I live with my mother to provide help for her and have no use for XXXX XXXX. There is no way you could of verify something as accurate when it does not exist.
XXXX XXXX XXXX, you claim you verified them as accurate. Provide the service I had and proof that I agreed to the specific service with my signature. You can not get medical care and not sign for it. I do not want a computer print out as that does not constitute proper validation in accords to the FCRA, I have read up on XXXX XXXX XXXX and they are notorious for fabricated computer print out invoices. Even I can print an invoice saying Equifax owes me thousands just because I have a computer print out with Equifiax name do not make it valid. They have no proof!! Why? Cause it does not exist and is why I can't even get these jokers to respond.
XXXX XXXX XXXX just pitiful, Please show me how you verified this account?. Provide the consumer signed contract showing I agreed to their services. Provide documentation with my signature agreeing to the prices displayed stating I had received there services. You are unable to do it and have yet to do it even after 3 letters, Why? It does not exist. They Tried to strong arm me into paying them!!
XXXX XXXX I have ask them to produce the insurance paperwork showing I had XXXX XXXX during he time frame the claim agreeing to there service along with agreeing to the price they claim I owe. I requested at the same time for them to provide the medical service they claim I had and the documentation showing I agreed to the medical service and agreed to pay the amount they are stating. Its been over 4 months and I have not received what I have requested.
Given the fact that these companies did not respond within the 30 days thus violating section 809b, Given the fact I have earnestly tried and you see the proof to correct these errors peacefully even with limited time as I am classified as essential worker putting my life on the line daily for the benefit of others, Given the fact they have no proof and sent me no proof, I humbly ask for you to do the right thing and remove these accounts form my credit report as soon as possible. Its only fair, Its only the right thing to do. I Should not have to go to court over this when you can do the right thing here and now.
My other concern is XXXX XXXX XX/XX/XXXX day late pay. Again you see clear violation of section 809 { b }, 15 USC & 1692g { b } however unlike the others they did respond but failed to provide the validation. Both times in there responses and you can see for yourself they claim they need more time to look into it. Well hello the law says 30 days and now way more than 30 days has pass. Based on the evidence you must delete these accounts. They even and I will give them the benefit of the doubt put the wrong date in their letter when I sent the letters to them, look at the proof of the certified mail receipt. They claim they received my inquiry dated XX/XX/XXXX but there is no inquiry dated XX/XX/XXXX they received both of my letters on or before XX/XX/XXXX see certified mail return receipt. Based on the evidence and the fact they failed to validate this 30 day late pay. I request you to obey the law and remove this XXXX 30 day late pay. SEE PROOF.
XXXX both accounts should be showing 0 late payments as my student loan should of been reflecting 0 late payments and should immediately remove the 90 days late payment from both accounts as my loans should of reflected my student loan payments were in deferment. I have requested XX/XX/XXXXto update there records as my student loan was in deferment. I notified the associate at XXXX back in early XXXX and was told the error was to be corrected. XXXX then sent me a letter stating they decided not to change the status due to regulations promulgated by the DOE and FCRA.. but did without proper reason, Contrary to these assertions, by failing to update previously reported information, XXXX is in violation of Section 623 { a } { 2 } of the FCRA I have attached an FTC advisory opinion which interprets Section 623 { a } { 2 } of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time. The advisory opinion states that the section 623 { a } { 2 } of the FCRA addresses the duty to correct and update information by " furnishers '' or persons furnish information to consumer reporting agencies { CRA } such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRA 's regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' XXXX Representative later told me that because the delinquent payments were accurately reported in XXXX XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRA 'S to show that the payments were NOT late and actually in deferment { even though they originally acknowledge it should of been reflecting deferment status }. However Section 623 { a } { 2 } clearly shows that the reports must be updated/ corrected regardless of whether they were supposedly accurate at one point** { FOR THE RECORD, I do not agree at all that XXXX EVER accurately reported the status of my student loans. Given the fact they failed to provide proper documentation and validation of my requests within section 809b or even can find the original signature pages of paper work and original requests leaves me to suspect a processing error on behalf of XXXX. In addition to the possible section 623 { a } { 2 } Claim, I Intend on filing a suit against XXXX and any Credit Bureau who does not correct the accounts to show 0 late pays as there was an error with processing of my deferment.. I requested full validation and ask proof that my student loan was to come out of deferment and proof they contacted to me to let me know they wanted to change my status and the legal right that they can do that without my consent or notification. I ask for my original paperwork with my signature, proof of my original deferment paper work and they are unable to provide my signature pages showing it to come out of deferment and provide proof I never requested for it to stay in deferment during that time when I sent in the original paper work within the proper timeframe. I received no answer and now more than 30 days has pass. I ask you to follow the law section section 809 { b }, 15 USC & 1692g { b }. Section 623 { a } { 2 } My credit reports do not currently accurately reflect previous payment statues with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting in compliance with section 623 { a } { 2 } of the FCRA that the both student loan accounts reflecting 90-120 late payment in XXXX be updated and or corrected and removed. In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX, I intend on filing a law suit in addition to filing complaints with FTC, XXXX and any other means necessary.
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10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Please note I'm sending this dispute due to new evidence. This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ). Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
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08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent letters to Equifax, XXXX, and XXXX asking for validation of the negative items on my credit profile. I requested proof of late payments, account validation documents, and proof of ownership by the company. To this day, these accounts have not been verified but are still reporting on my credit profile.
Per the FCRA, these results were supposed to be provided within 30 days of receiving my request or the accounts be deleted and/or updated per my request. As of right now, Equifax, XXXX, and XXXX are in violation of the FCRA and the law.
The accounts in question along with my instruction are as follows : XXXX : 1. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it.
XXXX XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account 2. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it.
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX After several months of letters if you continue to ignore my request then please delete this account XXXX. Please provide evidence of when these payments were accepted into your payment system versus when they were due.
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.
4. Please provide evidence of when these payments were accepted into your payment system versus when they were due.
XXXX Account XXXX : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.
5. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it.
XXXX XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account XXXX. Please provide evidence of when these payments were accepted into your payment system versus when they were due.
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.
7. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it.
XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account XXXX. I would appreciate it if you could offer evidence that I have an account with you. I do not have one believe that this is a mistake that has been reported.
XXXX Account Number : XXXX If you are unable to produce evidence that I have an account with you then I respectfully ask that you delete it.
9. I would appreciate it if you could offer evidence that I have an account with you. I do not have one believe that this is a mistake that has been reported.
XXXX XXXXXXXX Account Number : XXXX If you are unable to produce evidence that I have an account with you then I respectfully ask that you delete it.
XXXX : 1. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it.
XXXX XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account 2. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it.
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX After several months of letters if you continue to ignore my request then please delete this account 3. Please provide evidence of when these payments were accepted into your payment system versus when they were due.
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.
4. Please provide evidence of when these payments were accepted into your payment system versus when they were due.
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.
5. Please provide evidence of when these payments were accepted into your payment system versus when they were due.
XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.
6. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it.
XXXX XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account 7. Please provide evidence of when these payments were accepted into your payment system versus when they were due.
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.
8. I would appreciate it if you could offer evidence that I have an account with you. I do not have one believe that this is a mistake that has been reported.
XXXX XXXX Account Number : XXXX If you are unable to produce evidence that I have an account with you then I respectfully ask that you delete it.
Equifax : 1. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it.
XXXX XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account 2. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it.
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX After several months of letters if you continue to ignore my request then please delete this account XXXX. Please provide evidence of when these payments were accepted into your payment system versus when they were due.
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.
4. Please provide evidence of when these payments were accepted into your payment system versus when they were due.
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.
5. Please provide evidence of when these payments were accepted into your payment system versus when they were due.
XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.
6. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it.
XXXX XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account XXXX. Please provide evidence of when these payments were accepted into your payment system versus when they were due.
XXXX XXXX XXXX Account Number : XXXX If you unable to provide this evidence as requested, please remove all late payments and update payment status to current.
8. I've recently sent several letters asking who validated this account as it has a negative balance but has been marked as " written off. '' I'm asking to either please respond with your answer or please delete it.
XXXX Account Number : XXXX After several months of letters if you continue to ignore my request then please delete this account 9. I would appreciate it if you could offer evidence that I have an account with you. I do not have one believe that this is a mistake that has been reported.
XXXX XXXX Account Number : XXXX If you are unable to produce evidence that I have an account with you then I respectfully ask that you delete it.
10. I would appreciate it if you could offer evidence that I have an account with you. I do not have one believe that this is a mistake that has been reported.
XXXX Account Number : XXXX If you are unable to produce evidence that I have an account with you then I respectfully ask that you delete it.
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02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, Virginia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
2. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
3. XXXXXXXX XXXX Account Number : XXXXXXXXXXXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
4. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
5. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
6. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
7. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
8. XXXX Account XXXX : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
9. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
10. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
11. XXXX Account XXXX : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
12. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX Virginia XXXX, Virginia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing Equifax for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( ______________ ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX : XXXX Equifax XXXX XXXX XXXX XXXX XXXX Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX XXXX, XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote to each3 the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You XXXX contact me before XXXX XXXX, XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are listed on an attached page.
I look forward to your response.
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name : XXXX XXXX Date Open : Account Number : XXXX Reason for dispute : Identity Theft Account Amount : XXXX Account Name : XXXX Date Open : Account Number : XXXX Reason for dispute : Identity Theft Account Amount : XXXX Account Name : XXXX XXXX Account Date openAccount Number : XXXX Reason for dispute : Identity Theft___ Account Amount : XXXX
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06/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This is possibly my twentieth time attempting to get outdated information/incorrect account information of my report. this has harmed me financially and has prevented me from purchasing a home.
This letter is a formal request to remove outdated information from my credit report. For easy reference, I have enclosed a copy of the credit report that EQUIFAX provided me on XX/XX/XXXX with the outdated items. Per Federal, statute allows a creditor to sue up to 7 years after the last payment was made. However, Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note.In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/XXXX, reporting periods only run XXXX or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/XXXX This letter is a formal request to remove outdated information from my credit report. For easy reference, I've enclosed a copy of the credit removal requests, for XXXX, XXXX XXXX and XXXX XXXX who removed the item and then placed it right back in XXXX of XXXX on the same day the account of from XXXX it is now XXXX.
This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below are completely erroneous and outdated. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus.
The exact statute : [ 15 USC 1692e ] 0 ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
The Following Account Are in Violation of the Florida Statute 95.11 XXXX XXXX XXXX XXXX XXXXt- PER THE REPORTS THIS ITEM WAS FIRST REPORTED XX/XX/XXXX ALLEGED ACCOUNT XXXX CONTRACT CANCELLED XXXX11LIMITATIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS.
( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country.
XXXX b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. XXXX XXXX XXXX XXXX and 713.23 ( 1 ) ( e ).
( c ) An action to foreclose a mortgage.
( d ) An action alleging a willful violation of s. XXXX.
WITHIN FOUR YEARS.
( a ) An action founded on negligence.
( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority.
( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest.
( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment.
( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures.
( f ) An action founded on a statutory liability.
( g ) An action for trespass on real property.
( h ) An action for taking, detaining, or injuring personal property.
( i ) An action to recover specific personal property.
( j ) A legal or equitable action founded on fraud.
( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.
( l ) An action to rescind a contract.
( m ) An action for money paid to any governmental authority by mistake or inadvertence.
( n ) An action for a statutory penalty or forfeiture.
( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes.
( q ) An action alleging a violation, other than a willful violation, of s. 448.110.
Additionally, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes., please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
I request to have my name removed from your marketing lists. Here is the information you have asked me to include in my request : ONLY INFORMATION THAT SHOULD SHOW ON MY REPORT IS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX Current Mailing Address XXXX XXXX XXXX XXXX Florida XXXX Previous Mailing Address XXXX XXXX XXXX XXXX Florida XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX EMPLOYER- SHOULD ONLY SHOW 1 XXXX Department of Economic XXXX XXXX XXXX Florida 2 XXXX XXXX XXXX XXXX Owner PHONE NUMBER SHOULD ONLY SHOW XXXX I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter.
Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA, I respectfully request you forward this information within 15 days of the completion of your re-investigation.
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08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I asked the credit bureaus to do a verification of everything on my credit report on which it was done, credit bureaus stated that some accounts were accurate, verified some were deleted, I did a thorough research of my credit report and found improper inaccuracies on my credit report after the credit bureaus did a thorough research.
My new address is XXXX XXXX XXXX XXXX NJ, XXXX my previous is address is XXXX XXXX XXXX XXXX ny XXXX there address being reported that I am no longer associated with like for example - XXXX XXXX XXXX XXXX ny XXXX - XXXX XXXX XXXX XXXX ny XXXX XXXX - XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ny XXXX XXXX floor All addresses on with im no longer associated with there are being reported on my personal information of all 3 credit bureaus.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Co ) Account # : XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and XXXX but is not reported on equifax is shows that last date active on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX the comments are completely different on bureaus XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on transunion but is not reported on equifax and XXXX is completely blank is shows that last date active on transunion XX/XX/XXXX.
XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and XXXX and equifax but it shows that last date active on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and on equifax XX/XX/XXXX COMPLETLY DIFFERENT the comments are completely different on bureaus XXXX ( Original Creditor : XXXX ) In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX but is not reported on Equifax and XXXX is shows that last date active on transunion XX/XX/XXXX there is no information on XXXX and equifax.
XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on transunion but is not reported on equifax and XXXX is shows that last date active on transunion XX/XX/XXXX.
XXXX XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and XXXX and equifax it shows that last date active on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and on equifax XX/XX/XXXX last reported date is as follows XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and equifax XX/XX/XXXX the comments are completely different on bureaus XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on transunion but is not reported on equifax or XXXX is shows that last date active on transunion XX/XX/XXXX.
XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and equifax but is not reported on XXXX It shows that last date active on XXXX XX/XX/XXXX and on Equifax XX/XX/XXXX last reported date is as follows XXXX XX/XX/XXXX equifax XX/XX/XXXX XXXX ( NONE ) the comments are completely different on bureaus XXXX XXXX XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX only but is not reported on transunion and equifax is shows that last date active on transunion XX/XX/XXXX.
TD BANK NA In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and XXXX and equifax but it shows that last date active on transunion XX/XX/XXXX and on XXXX XX/XX/XXXX and equifax XX/XX/XXXX the comments are completely different on bureaus.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX ONLY it shows that last date active on XXXX XX/XX/XXXX.
XXXX XXXX XXXX ( Original Creditor ; XXXX XXXX XXXX XXXX ) In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and XXXX and equifax it shows that last date active on transunion XX/XX/XXXX and on XXXX XX/XX/XXXX and equifax XX/XX/XXXX, last day reported are as follow transunion XX/XX/XXXX XXXX XX/XX/XXXX equifax XX/XX/XXXX the comments and payment status are completely different on bureaus.
Extra In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and equifax but is not reported on XXXX it shows that last date active on XXXX XX/XX/XXXX and on Equifax XX/XX/XXXX last reported date are as follow XXXX XX/XX/XXXX and equifax XX/XX/XXXX the comments are completely different on bureaus XXXX Bank Delaware XXXX XXXX with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and XXXX but is not reported on equifax it shows that last date active on transunion XX/XX/XXXX and on XXXX XX/XX/XXXX the comments and payment stats are completely different on bureaus.
XXXX CARD In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and XXXX but is not reported on equifax it shows that last date active on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX the comments and payment status are completely different on bureaus XXXX CREDIT In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and XXXX and equifax it shows that last date active on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX and equifax XX/XX/XXXX, Last Reported date are as follow XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax XX/XX/XXXX the comments and payment status are completely different on bureaus XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and XXXX but is not reported on equifax is shows that last date active on transunion XX/XX/XXXX and on XXXX XX/XX/XXXX the comments are completely different on bureaus.
Along with this complaint Ive attached my latest credit report where I circled where all the improper inacuracies are.
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04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I filed a dispute by phone for all of my XXXX student loan accounts listed on XXXX, Equifax, and XXXX on XX/XX/XXXX. After going through my credit report and comparing the information XXXX listed with the above agencies to what was listed on my online account with XXXX, I notice multiple discrepancies : 1. When I filed my dispute on XX/XX/XXXX XXXX was listing wrong dates as well as the wrong original amount borrowed for my student loan accounts listed with the above agencies. On XX/XX/XXXX XXXX made corrections to most of the accounts that contained the wrong amount borrowed and the wrong date of disbursement. On XX/XX/XXXX XXXX emailed me a notice that my dispute was closed and my information was updated. I immediately contacted XXXX and ask why and how XXXX could verify information that was not correct. I was told that XXXX was set up for the creditors and if the creditors verified that the information was correct than no matter what I submitted the information would be listed exactly how the creditor reported. I asked the agent about following the law in accordance with the fair credit report act which states that accounts that have wrong information listed will be deleted. New information by the creditor is only allowed to be placed back on a consumer account after the creditor informs the consumer in writing that the information will be reported to the credit bureau. XXXX never removed the accounts that were improperly reported by XXXX and I never received a written notice from XXXX that they were updating my loan information in response to my dispute. Based on these two things alone, every loan account updated by XXXX in response to my dispute should be permanently removed from my credit bureau accounts. Even with the illegal updates, XXXX still listed a couple of my student loan accounts with the wrong amount.
A. Attached is a copy of an account overview printed on XX/XX/XXXX from my online XXXX account. It can clearly be seen that the total loan amount XXXX listed with the above agencies of $ {$390000.00} differs from what is listed on their website in the amount of $ {$360000.00}. I also include a print out showing the total loan amount reported by XXXX and listed with XXXX. Please take Notice that the total student loan amount is reported the same with all three credit agencies.
2. XXXX duplicated the consolidated loans they listed with the above agencies.
A. XXXX listed the loans that were consolidated in XXXX with credit agencies as {$270000.00} with the original loan date of XX/XX/XXXX. The original loan date is listed online with XXXXt as XX/XX/XXXX and, the original amount of the loan is listed as {$45000.00} with a current amount owed of {$130000.00}. This loan was duplicated in error on their website which when added gives a total amount owed of XXXX Please take notice that after reviewing information from the National Federal Loan Database I was able to see that my XXXX loans were consolidated in XXXX in the amount of {$31000.00} and my XXXX loans totaled {$43000.00}. These two loans totaled {$75000.00} and a consolidation of these two loans was completed on XX/XX/XXXX and disbursed on XX/XX/XXXX in the amount of {$91000.00}. I agree that a consolidation took place in XX/XX/XXXX but I do not agree with nor understand how XXXX came up with the consolidation amount of {$91000.00}. I also do not understand why XXXX divide the single consolidated loan amount in half and listed it as two individual loans in the amount of {$45000.00} with the same loan disbursement date. On XX/XX/XXXX I asked these two question to a XXXX supervisor. The supervisor explained to me that he saw three loans in the amounts of approximately {$16000.00} from student loan services, {$31000.00} for my XXXX loans, {$43000.00} from my XXXX loans, {$1000.00} for interest and late fees all totaling the consolidated amount of {$91000.00}. I informed him that there was no {$16000.00} loan listed on the National Federal Database and all of my loans prior to XX/XX/XXXX according to the National Loan Database totaled {$75000.00}. I asked where the {$16000.00} came from and why the single consolidated loan was divided into two loans. He told me that the {$16000.00} came from a consolidated loan transferred to them but he could not tell me any information regarding the year, school or the original amount of the loan. He also said that he did not know why the single consolidated loan was divided and listed as two separate loans. He assured me that it was no big deal that the loan was divided cause each loan together still totaled the same amount and both loans had the same interest rate. I informed him that even though the loans started out with the same amount and same interest rate, the loans are now showing two different amounts owed. One of the loans is listed at {$130000.00} unpaid principal and the other loan is listed as {$130000.00}. I also pointed out that a single consolidated loan of {$75000.00} would never become {$270000.00}. He agreed and said that he would put in a request to have research done on the questions I asked him about. I expressed to him that I did not trust XXXX and I wanted to know exactly how each consolidated loan amount was determined, proof and explanation of how the interest and penalties were calculated to give me current loan amounts and I also asked for the name of the Universities the loans were disbursed to as well as every promissory note bearing my signature. I told him that i should not have to pay for anything they could not produce proof of a signed promissory bearing my signature during a time period I was actually attending school. I also told him that because the amounts were improperly reported to the credit bureaus that they should be immediately removed.
3. The consolidated loans are not only duplicated the total amount is incorrect.
A. Please view above explanation.
4. XXXX listed loans from XXXX University XXXX XXXX XXXX during a time period I did not attend XXXX University XXXX XXXX XXXX.
A. I did not attend XXXX University after XX/XX/XXXX. XXXX has me listed as receiving loans from XXXX University in XX/XX/XXXX. This is seen with the loans that have the wrong date and amount listed as XX/XX/XXXX in the amount of {$7200.00} and XX/XX/XXXX in the amount of {$5100.00}. Please take notice of the attached official transcripts from XXXX University that show my date of attendance. According to my transcripts my last loan disbursed to XXXX University XXXX XXXX XXXX would have been issued in XX/XX/XXXX.
5. XXXX closed out all of my loans and refinanced them without my consent or knowledge.
A. In XX/XX/XXXX XXXX closed all of my student loan accounts and reported to the above credit agencies that the loans were bought out or transferred to another lender. The other lender was XXXX and these new student loans were refinanced without my consent or knowledge. XXXX 's action also left 14 closed student loans on my account that creditors can view negative reporting for pass payment history. Please see attached credit report as proof of the above statement.
6. XXXX Listed loan amounts with the above agencies that I never applied for.
A. I never borrowed more than {$5000.00} at one time from a subsidized or unsubsidized loans from XXXX University XXXX XXXX XXXX. XXXX is claiming that I borrowed {$10000.00} and {$8500.00} twice once on XX/XX/XXXX and again both amounts on XX/XX/XXXX ; this is completely untrue. I believe they combined two semesters of payments equalling one school year and listed it as coming out at one time on one date. In doing so, they not only reported a large incorrect loan amount, they also duplicated loans by reporting the individual semester loans as well. Not to mention I only did one quarter in XX/XX/XXXXgot home sick and didn't return to school until XX/XX/XXXX Therefore, these amounts would be impossible to reach in XX/XX/XXXX. This is further supported by the fact that on my online XXXX account they have the {$10000.00} and {$8500.00} listed as the original amount borrowed on XX/XX/XXXX but they list the unpaid principal amount owed as {$6200.00} for the {$8500.00} loan and the unpaid principal amount of {$8900.00} for the {$10000.00} loan. Keeping in mind that I never paid on these two accounts, how is it possible for the principal amount owed to be lower than the amount borrowed? The answer is that it is not possible. XXXX has charged me with a loan amount that I did not authorize. Please take notice of the attached pdfs printed from my online XXXX account on XX/XX/XXXX that show the above disbursement amount.
In lite of the written and attached evidence, I am requesting that your agency assist me in removing every account XXXX has listed with the above credit agencies under my social security number. XXXX is liable for knowingly overcharging and falsely charging me with loans that I did not authorized and they have violated my rights in multiple ways in accordance with FCRA. Therefore, I am also asking for help in filig a lawsuit against XXXX for financial and emotional damages. Reporting incorrect loan amounts has made my debt ratio so high that it made it impossible for me to qualify for a home mortgage loan or a low interest auto loan. What XXXX has blatantly done to me is unacceptable and they should be held accountable for their actions.
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05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It XXXX Concern : I, XXXX XXXX, XXXX, last XXXX SS # XXXX, Is providing This Letter as formal notice of my Intent to File a Lawsuit against Equifax for Damages for a Willful Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Equifax n is now responsible for.
Privacy Violations-. Equifax performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ).
Furnishing and Reporting Old Information, showing that I have negative 7 revolving accounts -Equifax failed to supply information and keep your credit information current. When your credit circumstances have changed, and the information in your credit report is not updated to reflect these changes. reporting old debts as new or re-aged. reporting an account as active when it was voluntarily closed by a consumer.
Debt Dispute Violations by Equifax- notify a creditor that you dispute the debt that it has reported. Failed to conduct a reasonable investigation of your dispute. Failed to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( about 4 and a half weeks ) of receiving notice of your dispute By Equifax Willful Violation of my FCRA, FACTA, FCBA caused a property owner to turn down my application for imperfect credit, turn down for business credit loans with XXXX XXXX due to imperfect credit, too many inquiries NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax provided these 8 HARD Inquiries without My written Authorization. PROVIDE WRITTEN AUTHORIZATION BY LAW OR PLEASE DELETE FROM MY CREDIT FILE I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax provided these SOFT Inquiries without My written Authorization. PROVIDE WRITTEN AUTHORIZATION BY LAW OR PLEASE DELETE FROM MY CREDIT FILE I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA.
XXXX XXXX, XXXXEQUIFAX CONSUMER SERVICES-CONS RPT XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX CONSUMER SERVICESSoft Inquiry XX/XX/XXXX, XXXX Inquiry XX/XX/XXXXXXXX XXXXEQUIFAX UPDATEAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, 2023EQUIFAX INFORMATION SVCSAutomated Consumer Interview System NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX Pg. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax provided these SOFT Inquiries without My written Authorization. PROVIDE WRITTEN AUTHORIZATION BY LAW OR PLEASE DELETE FROM MY CREDIT FILE I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA XX/XX/XXXXXXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXXXXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XXXX XXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXXXXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXXXXXX XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax provided these SOFT Inquiries without My written Authorization. PROVIDE WRITTEN AUTHORIAZATION BY LAW OR PLEASE DELETE FROM MY CREDIT FILE I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA, FACTA, FCBA XX/XX/XXXX, XXXXEQUIFAX INFORMATION SVCSAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAXAutomated Consumer Interview System XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEQUIFAXSoft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAXAutomated Consumer Interview System XX/XX/XXXX, XXXXEQUIFAX UPDATEAutomated Consumer Interview System XX/XX/XXXX, XXXXXXXX XXXXSoft Inquiry Summary Report Date : XXXX XXXX, XXXX Review this summary for a quick view of key information contained in your Equifax Credit Report.
Report Date XXXX XXXX, XXXX Accounts with Negative Information XXXX -- -- - What are the XXXX accounts with negative information? Under Revolving accounts, they all state pay as agrred NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax, Take further notice that Equifax, 30 ( thirty ) days after your receipt of this dispute letter, XXXX contact the creditor to get the information validated. If the creditor can not validate the disputed issue on your credit report within 30 days ( about 4 and a half weeks ), then the CRA must remove the item from your credit report because it is unverifiable information.
Based on Reports Listed I, XXXX XXXX will be requesting STATUTORY DAMAGES the sum of {$1000.00} for each violation of each FCRA, FACTA, FCBA. Act. Please provide a settlement offer for violating the American Disability Act ( ADA ), FCRA, FACTA, FCBA.
FFCRA, FACTA, FCBA. violations whether it was intentional or not. The damages that a consumer XXXX receive are not subject to any limit of the 4 Types of Damages for FCRA, FACTA, FCBA. Acts. Violation consumers XXXX be entitled to the following damages : Actual damages. There is no limit to this amount if you can prove the loss. Statutory damages. This damage ranges between {$100.00} and {$1000.00}. Consumers can take advantage of statutory damages even without proving that the violation caused you harm. Punitive damages, with no limit on how much. Punitive damages are decided by the court overseeing the proceeding.
**If no Settlement Offer is presented to XXXX XXXX XXXX I will be enforcing my rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA , FACTA, FCBA. attorney will seek to recover statutory Damages, Punitive Damages, and attorney fees for the Many violations.
Respectfully, XXXX XXXX
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05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
Servicemember |
There's accounts that were deleted months ago through a organization, I sent disputes 2 forms of I.D. as well as sent debt validation letters to these letters creditors and have gained nothing back. I'm aware of all my rights under the fair credit reporting act (FCRA). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168.
15 USC 1681Section 604 A Section 2 It also states a consumer reporting agency cannot furnish my account without my consent.
I immediately request XXXX per violation
15 USC1681 sec. 602 states I have the right to privacy.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ATTENTION FRAUD DEPT : THIS IS AN OFFICIAL NOTICE OF FRAUD IN YOUR METHOD OF ASSEMBLYING AND EVALUATING CONSUMER REPORTS WITHIN THE GUIDELINES OF THE FCRA. THIS IS YOUR ONLY OPPORTUNITY TO CURE WITHOUT LITIGATION AND BILL FOR DAMAGES.
This letter is to officially address the fact that Equifax, as a XXXX is in dishonor and has not been fulfilling your obligation to ensure accuracy and fairness in your evaluation of many consumer reports according to the investigation done by the Select Subcommittee of the Coronavirus.
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and UNFAIR CREDIT REPORTING METHODS UNDERMINE THE PUBLICS CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM.
To be clear your company exists for one reason and one reason only. Per 15 USC 1681a to lawfully evaluate and assemble consumer reports under the direct supervision of the CFPB. Not to play bill collector and allow corporations to illegally furnish protected and excluded information about consumers. Things that have clearly been stated in the Fair Credit Reporting Act that should be EXCLUDED such as transactions and experiences. To be clear the only transaction or experience I can have with a corporation would be an account balance, late payments and credit utilization. I demand all late payments be removed and updated to current, also that my utilization be brought below 25 % and account balances to {$0.00} for them to keep reporting.
At this present moment and for some months now you have been negatively affecting the banking system by reporting the following inaccuracies. I have disputed these things previously to no avail but recently learned that your agency has been under investigation by the Select Subcommittee of the Coronavirus Crisis. Attached is a letter dated XX/XX/XXXX including links to websites showing stats of how you have been unlawfully discarding consumer disputes or not addressing them at all. I have enclosed a few pages with highlights just in case you act clueless. An investigation was done showing that your company also failed to respond to consumer disputes or offer a resolution and the numbers have more than doubled since XXXX.
This behavior is unacceptable, and I will be researching more to see how to initiate a lawsuit against you for willful noncompliance of not only FCRA but also FDCPA. These furnishers have been using my consumer report as an attempt to collect on a debt through a third party without my written consent or knowledge which by definition is identity theft. Per 15 USC 1681c-2 this information needs to be BLOCKED AND REMOVED FROM REPORTING. If in fact these items continue to report the fees requested will double. This is your final opportunity to cure this situation outside of federal courts. I also demand compensation for my identity and personal information being breached in your most recent breach in XXXX. You have no idea how leaking my information has affected my life.
Furthermore, I received a copy of my credit report and found the following item ( XXXX ) to be in error, remove them within the next 4 days per FCRA : 1.Remove this account XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX I officially demand this item be removed.
2. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed.
3. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer, and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed.
4. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed.
5. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed.
6. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed.
7. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed.
8. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed.
9.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed.
XXXX. XXXX XXXX Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXX Date of inquiry : XXXX I officially demand this item be removed.
11.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed.
12.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed.
13. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed.
14.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX XXXX XXXXXXXX Date of inquiry : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I officially demand this item be removed.
15. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft.
XXXX, XXXX Date of inquiry : XXXX I officially demand this item be removed.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I mean a REAL INVESTIGATION per FCRA. NOT you just taking the word of a someone I am accusing of fraud. That doesnt help the consumer and is illegal to say the least. It is my understanding that you will recheck these items with the creditor who has posted them and MUST receive proof that I gave my written consent. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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07/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am XXXX XXXX, and the author of this complaint.
Please note that although this account has been disputed the tradeline is not marked as such with the CRAs, and as it should be.
This is not and has never been, a request for Validation of Debt ( referred to as VOD ). I do not and have not asked for any VOD documents. Instead, this complaint has always been about FCRA and FCDPA and your responsibilities as a Data Furnisher and the ONLY Creditor tied to this tradeline, and as the Original Creditor ( owner of this record ).
Please REPORT any clarity you would then like to draft a letter for, and this is what the complaint is about.
This complaint includes the CRAs, for now XXXX and Equifax. All I have access to is the result of whatever you all are doing/not doing, the gap in my space is that I neither produce the file, nor am I the end system/recipient of the data in the integration/file.
This complaint is long detailed and tied specifically to the data elements existing within my credit report ( s ) and its compliance with Metro2 Guidelines and that of Data Accuracy with the CRAs, FCRA.
I will say if it is happening to me, its systematic CFPB, and then happening to all customers with an adverse account.
There is an Original Complaint with XXXX including XXXX, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data. This current complaint is with XXXX ONLY.
Each additional XXXX Creditor/Lender/Original Creditor/Credit Grantor Tradeline on my report, will be communicated distinctly and then with its own complaint.
Your response to the original complaint is posted below.
We're no longer the creditor on the accounts. Contact information for the new creditor is included in the uploaded response letter. We decline to delete the accounts from the credit report. Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information.
Thank you for that response.
You also attached responses, one of which is attached as XXXX XXXXFinal Response CB ( 1 ) Added XXXX CFPB, a section of it is pasted below.
Were reporting the accounts correctly, as required by law. Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account. For more information on how the credit reporting agencies may reflect this information, or general questions about information in your credit report, please contact the credit reporting agencies by using the following information : XXXX ( Original/Only Creditor ) - I am relying on the FTC rules that govern you, as a both the Original Creditor/ Lender and Data Furnisher on this tradeline.
FTC Site Definition of Debt Collector/Creditor https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text You will want to refer to section 803. Definitions ( 6 ) and ( 4 ) And then, ECFR, governance on your responsibilities are defined here.
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Few things of note with this complaint and then the response provided by XXXX.
1. There is an absolute and then compliant difference between a Creditor/Lender/Credit Grantor and a Debt Collector 2. You XXXX, are both the Original Creditor and then, the only Creditor associated with the account. Your responsibilities as a Creditor, remain.
3. Whoever you sold this account to becomes the Debt Buyer/Collector. See definition of a Debt Collector/Buyer 4. You are the Data Furnisher for this Tradeline and YOU are reporting data to this Tradeline and have created its current state.
5. Your last reported date on my report is XX/XX/XXXX.
I am attaching, as screen shots, and from many sources including raw credit reports from the CRAs themselves for your tradelines.
XXXX, said in their original response : Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information.
And Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account Thank you for providing and then acknowledging your commitment to accuracy, and then the data you sent/send to the CRAs.
XXXXy/Creditor/Original Creditor, is reporting this Tradeline To XXXX, sourced from a XXXX as a raw Credit Report ( directly from the CRA, not online report ) XXXX, that results in this, see attached as : XXXX XXXX XXXX In Comments, XXXX reported Purchased buy another Lender - XXXX XXXX XXXX Was Charge OFF, Question is it Paid Off? If so, how was {$0.00} sold?
No account can exist with a Pay Status of Charge OFF, if it has been Paid off, as per Metro2 guidelines. Yours- does, and then contradicts itself.
Your Pay History is now NULL/Blank ( XXXX communicated they sent/send it ) Its filled with X from the accounts inception.
X is UNKNOWN Attached as XXXX Pay Rating That 30, 60,90 day late etc is not reported.
Last Payment made XX/XX/XXXX, How much? What then became the balance?
What accrued from that date?
There is no Pay History/Rating There is no Balance History Your last reported date is XXXX 2 years of all were within your systems to report its history.
Lacking a complete and accurate Tradeline what is the Date of First Delinquency ( DOFD ), you Comenity REPORTED?
I then, dispute the FCRA DOFD and based on your reporting in this incomplete and inaccurate Tradeline. I also assert this tradeline is both incomplete and inaccurate.
Then another source, You, XXXX/Creditor are reporting this Tradeline at XXXX XXXX attached as : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. Last Payment made XX/XX/XXXX XXXX. For what charges?
3. Where is the Balance History?
4. Where is the Pay History/Pay Rating?
5. Remarks/Comments do not match whats on XXXX raw report.
6. Because there is absolutely no history XXXX is saying that there is no Late Payment History Equifax XXXX credit report from XXXX Attached as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The Account Number is NULL, or Blank on the raw credit report, XXXX from Equifax 2. This Account Name states that this account is CLOSED 3. This account then lacks a Closed Date?
4. What is then Reported, as the Date Closed?
5. This Tradeline is then also reporting Available Credit, when this value is diverted, to a field called High Credit when an account is CLOSED as per Metro2 definition 6. The Pay/Ratings History is BLANK 7. The Balance History BLANK 8. Please ensure the Balance History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Please ensure the Pay History, is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 10. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported, for repayment and on a closed account.
11. Creditor Classification is Unknown and should not be, please assign a valid value.
12. Date of First Delinquency neither is not supported by the PAY/Rating history nor the Balance History.
13. I therefore dispute the FCRA/DOFD Date 14. There is then no Charge OFF Amount 15. Again DATE CLOSED is Blank MyEquifax.com EQ - MY EQ XXXX XXXX 2 Equifax Online credit report from MyEquifax.com Attached as EQ - MY EQ XXXX XXXX XXXX and EQ - MY EQ XXXX XXXXXXXX This Account Name states, and then stores the account as CLOSED This account then lacks a Closed Date?
What is then Reported, as the Date Closed?
This Tradeline is then also reporting Available Credit, when this value is diverted, to a field called High Credit when an account is CLOSED as per Metro2 definition The Pay/Ratings History is BLANK The Balance History BLANK Please ensure the Balance History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete Please ensure the Pay History, is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported, for repayment and on a closed account Creditor Classification is Unknown and should not be, please assign a valid value.
Date of First Delinquency neither is not supported by the PAY/Rating history nor the Balance History.
I therefore dispute the FCRA/DOFD Date There is then no Charge OFF Amount Again DATE CLOSED is Blank This complaint demonstrates the data issues between XXXX and then the CRAs.
This is not my battle, unless it goes to court.
The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. SDLC in theory verifies the true expected results XXXX is saying is acceptable.
Fix the tradeline, to ensure XXXX goal is attained or delete it.
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03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hi, I recently wrote you and this bureau of inaccurate/incorrect information on my report no changes have made thus far. On XX/XX/2022, I wrote Equifax asking for them to do the following : On XX/XX/2022 I sent the following dispute letter : To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. We recently wrote to you about this on XX/XX/2022, but it appears it was completely overlooked or ignored. We asked that you correct the information on the report, but it seems that you didnt do that and indicated in your response to our dispute that my current legal name, XXXX XXXX XXXX XXXX has been deleted from your file ( which was never a part of my credit report from the copies that youve sent me ) and that you have continued to keep my old name, XXXX XXXX XXXX on file, which is what youve had this entire time that Ive been asking you to update my name. I have requested that you update this information multiple times, but it seems you dont wish to follow the FCRAs laws about when someone dispute information on their credit report. This is the 3 or more times that we have requested that you update my legal name on my credit file. But instead, you did the opposite of what I asked you to do based upon your response from credit report dated XX/XX/2022, confirmation # XXXX. At this point this feels and seems very intentional. I dont know how someone can get something like that mixed up and do the opposite of what was asked of them to do. I see that you granted the other request without any incident, the removal of an old and outdated address however you did not correct my name as have been requested of you multiples times. That alone makes it appear that youre intentionally trying to sabotage my report and not follow the laws of FCRA. I will ask once more that you kindly update my name as requested the last few times. It should be updated as follows : 1. Old Name is listed currently on my credit file as : XXXX XXXX XXXX BUT my current legal name should be listed as XXXX XXXX XXXX and no other name as current should be on this report pls.
================================================================= There have been multiple request sent asking them to fix this issue. Obviously they are using a computer bot to read these letters and not a real person and/or a real person is intentionally ignoring my request to follow the FCRA 's law/rules/regulations/guidelines.
Either way this appears to be done as a stall tactic. They are now asking that I send them identification, that I've already sent to them each and every time I send a dispute letter, a real person can see that information, if they didn't trash it or if they weren't using a computer bot to do their work for them. This is causing injury to me and I need this fixed right away. How do you confuse one request for another. It was like this was done on purpose. I asked them to update my file to my current legal name but they deleted something that wasn't even there in the first place and then asked me to send in information/identification for the my old name. How odd and irresponsible is that. Wow... .It amazes me the things these bureaus have been allowed to do and with no dire consequences. But yet you will go after other entities that at the hint of breaking the law and shut them down. I petition you to do the same here. To delete my legal name in the request for update to my information is deemed as fraudulent behavior and can be reported to the FTC for that reason alone. This is not catch me if you can type of thing. More so it seems like Make me if you can. But the laws are not being followed nor observed here. Any little small thing they can do to keep from abiding by the FCRA 's laws is what they are appear to be doing. There were two disputes on the dispute letter sent on XX/XX/2022 they honored one but decided they wanted to do the opposite of what I asked on the name update. I'm beyond floored at what you have allowed them to continue to get away with.
I've asked them to do the following : Please update my name to reflect my current legal name as soon as possible to reflect XXXX XXXX XXXX. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I have also attached the most recent request asking for my information to updated accurately, correct, efficiently and with the upmost excellence, providing proof of the updated information.
================================================================ I must say that I am in awe that it appears the when complaints are filed against these CRA 's that they seem to think they can just give some quick response that they will respond directly to the individual filing complaint so they can close the case. Without any consequences or follow-up from the CFPB. It's stated that part of the CFPB 's consumer responsibility is : We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. -- -with that in mind these bureaus should be under more scrutiny than what have been. I've been hearing about how the CFPB will shut-down, file lawsuits, etc, against Credit Repair agencies XXXX credit monitoring agencies, but somehow it seems to fail us when it comes to the CRA 's XXXX I'm baffled at that this behavior is allowed to continue when you're supposed to be in the business of protecting your consumers.
In filing a complaint with the CFPB, multiple times, you know that you can just respond and have case closed and so far, CFPB has done nothing to make you obey the laws, so you continue with these stall tactics. CFPB is there to ensure all consumers are being treated fairly and not allow such behavior to continue. You guys will attempt to sue, go after, and put down legal organizations trying to help people make a better life for themselves. Yet you continue to put disparaging information in your reply about credit repair companies because if you can keep inaccurate information on someones file the better for your organization. If youre going to disparage an organization, ensure that its illegal for them to be operating such a business please.
In closing, I ask that you, CFPB, make these CRA 's to obey the FCRA 's laws and not just allow them to acknowledge the complaint and then say they'll be in touch with us and close the case only to come back with stall tactics with some bogus explanation about using some credit report agency, which isn't illegal, albeit, I'm doing this myself as you can see I'm very through and long winded here. This make no sense that I have to continue to file complaints when they can just obey the FCRA 's guidelines. It's a well known fact that is easily XXXX, that the CRA 's use these stall tactics which means they are in no way for helping the people at all. I can only pray that you won't be a participant in their process by not continuing to allow them to get away with these actions. The law is the law and they too need to be made to keep it and not disobey/break/ignore it, causing hardship to the consumer. This is unfair and unjust behavior. Please go after them they way you have been going after these credit repair agencies. It's only fair, right??? Treat them all the same, to make them obey the LAWS of FCRA. And clearly they are stalling now that I've asked for them to update my credit report to my current legal name and have provide identification multiple times from the multiple requests I've submitted.
But from my research this doesn't appear to be anything new to the industry. The public has been aware of such stall tactics for many years now and now it's still continuing. It's like the laws are there but then when you ask for the laws to be following immediately they work hard to do everything in their power to continue to break the law ... ..I petition you to not allow this behavior to continue. I have sent multiple dispute letters to the CRA and also to CFPB. They apparently don't care if you report them because it seems they think there will be no consequences. It looks really bad to have a reputation to not follow the laws of the FCRA that were put there to supposedly protect the consumers of USA. Please make them update my credit report accurate/efficiently and with excellence, to my current legal name that I've asked them to do multiple times and have submitted the correct supporting documentation for this request. How do you correct one dispute request but then intentionally do the opposite of what was asked of you for the other dispute regarding updating my name? This is not good practice at all in keeping in line with the FCRA 's law/rules/regulations/guidelines. You will see the attachments here showing the most recent dispute letters asking for this to be fixed. They can't lie and say they didn't understand when the dispute letter was/is very clear and to the point and easy to understand and should have been a simple data entry task. But instead they have decided they want to play games and act in an unjust/unfair manner.
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12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing Equifax for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are listed on an attached page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XX/XX/XXXX XXXX : XXXX Equifax XXXX XXXX XXXX XXXX XXXX Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are listed on an attached page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are listed on an attached page.
I look forward to your response.
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name : XXXX XXXX XXXX XXXX Date Open : Account Number : XXXX Reason for dispute : Identity Theft Account Amount : XXXX Account Name : XXXX XXXX Date Open : Account Number : XXXX Reason for dispute : Identity Theft Account Amount : XXXX
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01/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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I was hoping it wouldn't have to come to this, but it has.
I have a PAID credit monitoring services with EQUIFAX, known as " Equifax Complete Premier Plan '' which allows an UNLIMITED number of FREE EQUIFAX CREDIT REPORTS AND SCORE ON A DAILY BASIS with subscription.
I have been subscribed with equifax for as long as XX/XX/XXXX. I Have since then NEVER EVER encountered this issue before and it seems despite my best REPEAT BEST EFFORTS to resolve this issue it remains to be UNRESOLVED.
The issue is as of XX/XX/XXXX it has been IMPOSSIBLE for BOTH MYSELF AND LENDERS TO ACCESS MY EQUIFAX FILE. I HAVE JUST ABOUT HAD IT! Since XX/XX/XXXX whenever I attempted to get my FREE EQUIFAX REPORT UPDATE VIA MY PAID SERVICE It came up with UNAVAILABLE and to call customer service ( see attached ).
Since XX/XX/XXXX I have called equifax more than 30 times in the past month now. I brought it to Equifax 's attention to which they informed me it was because I had " attempted to pull my report too many times and to wait a few days ''. I attempted to pull my report once. After 1 week of waiting on XX/XX/XXXX I got fed up and tried to pull my report again.
I called again because once again I couldn't pull my report. Spoke to PERSONAL SOLUTIONS DEPARTMNET who handle credit monitoring services and products who after spending almost 40 minutes on the phone, they also seeing the error and after failing to manually pull my report informed me THEN it was an technical error on their end and they would escalate this to the right department.
As of XX/XX/XXXX the issue was escalated to the IT Department. I asked on the phone if there was ANY indication that could result in no report being pulled. After waiting on hold for like 30 minutes. The rep advised that the adress on file wasn't up to date. Which would cause outdated information. Said there was a department who could update this.
GLOBAL CONSUMER CARE DEPARTMENT.
I was transferred, I spoke to a genuinely nice guy, I explained the situation and then said he would help me, I verified my identity and everything, then told me to hold, instead of putting me on hold the call went silent and I heard " why isn't it updating the credit report ''. Then was transferred to the dispute department, not what I wanted. They informed me THE ONLY WAY to UPDATE MY ADDRESS IS TO DISPUTE IT. I ended up disputing it.
I started to think outside the box since equifax wouldn't help me, I checked my previous reports and noticed as of XX/XX/XXXX my current address wasn't on file. OMG could this be the major issue. So I get in contact with the disputes department and tell them using the documents on file to update my adress profile. THEY FOUND MY DOCUMENTS UPLOADED XX/XX/XXXX and verified the address previously reporting and put in the dispute. The confirmation was : XXXX Told me would update within 30 days. XXXX. I was in shock, I asked couldn't they expedite this. They said no, I was so mad I hung up. I am not sorry.
So I called the same department. Disputes resolution department. Demanded to speak to a supervisor. I was livid, explained the situation said it wasn't good enough, 30 days! Put me on hold, sympathized with me and said he talked with his manager to give an approval of expedited 24-48hrs. I took it, I mean it's not like they could update it straight away??? ... ..oh how wrong was I.
Fast forward to XX/XX/XXXX. Still can't pull my report. What's worse is lenders can't find my equifax file.They said 24-72hrs to update, no update. I spoke to the personal solutions department again after being transferred and rudely hung up on MULTIPLE TIMES! Then after another phonecall to equifax, I'm told the worst possible thing. The idiots who APPROVED A 24-42HR PROCESSING DIDN'T UPLOAD MY DOCUMENTS! Argued with the rep that my documents were sent in XX/XX/XXXX and CONFIRMED beforehand with another complaint raised earlier that equifax allow 3 MONTHS to hold onto documents until they officially expire. And low and behold now nobody I'm talking 8 reps and 3 supervisors can find my identity documents! They simply vanished. I was livid at this point and shouted and yelled my dismay and demanded they fix this.
The rep was quiet and apologized for the inconvenience, ( it's not an inconvenience its XXXX! ) told me the reason why I can't pull my report is because the information needs to be verrified with the Global Consumer Care Department. Gave me the phone number which had changed dramatically from previous reps. Told me to press 4 and then 0 to speak to a rep.
Transferred me again to this god awful department, which has an absolutely waste of an automated system to which I WAS INFORMED OF INCORRECT PROMPTS where it hung up on me, then tried the number given and got a completely different company, I have been back and forth with this company and its employees and I'm disgusted as to how I was treated. I finally got the right number!!!
But the terrible automated telprompts couldn't verify my identity and hung up. Tried it a 4th or 5th time and was told that nobody was available. Tried a 6th and 7th time got through to someone but once again confirmed no documents were on file. At this point I gave up.
I then recovered from my horrific experience and ended up calling the department again because it was XX/XX/XXXX and as of XX/XX/XXXX I STILL COULDN'T RETRIEVE MY FILE. NOT MANUALLY OR EVEN BY POSTAL MAIL! I inquired about the escalated technical error.
Unfortunately due to what can only be described as incompetence and negligence. The represensitive whom I spoke to on XXXX XXXX had failed to uphold my request and the issue WAS NOT ESCALATED. I was INFURIATED. I once again had to raise this along with a complaint but was not given a complaint reference number, go figure!. To which I was hung up on by alot of supervisors and reps during this time which is abysmal! Appaling! Again I remained persistent and said to THIS TIME SUBMIT THE ESCALATION AND RAISE A COMPLAINT OF YOUR GOD AWFUL CUSTOMER SERVICE.
Along with this asked for an update on the request for change of address, still no update .... and yet again ask for them to find my documents sent in XX/XX/XXXX, now they've found them but I'm missing some. XXXX?! ITS BEYOND ME!
Stating I have to resubmit it and itll take 24hr-48hrs to receive it and 7-10 BUSINESS DAYS TO REVIEW. I'm literally broken at this point. I say in defeat to transfer me to a supervisor AGAIN. Put on hold for 25minutes ( I'm not exaggerating ). Told the supervisor isn't available and to call back. Hung up.
It's just one big repeated viscous cycle. Up until XX/XX/XXXX, to still no avail a solution but did however finally get through to someone in the GLOBAL CONSUMERS CARE DEPATMENT, I got connected with an XXXX, I believe by the name of XXXX who listened to my situation very patiently, understood my situation, apologized up and down for the hassle, inconvenience and STRESS it had caused me. Went through and PASSED SECURITY, Told him that EQUIFAX has been nothing but a nightmare to deal with and the fact that employees and supervisors have lied to me and hung up on me REPEATEDLY and that I was at my wits end. I informed him the exact date and upload date I sent my documents to equifax to verify my identity in XX/XX/XXXX. HE FOUND THEM, THEY WERE LEGIBLE AND UPLOADED!!!! and put me on a short hold of less than a minute confirmed my CURRENT ADDRESS wasn't on file and added it and said would reflect within less than 24hrs. I sincerely thank that man.
However XX/XX/XXXX I still couldn't pull my report, I'm at a loss! Nobody knows why this is happening. I HAVE NO BLOCKS OR FREEZES And then my equifax subscription cancelled XXXX XXXX so I had to once again PAY for something I couldn't get! By a sheer miracle ( a christmas miracle ) I finally got my equifax report pulled on XX/XX/XXXX in a 3 bureau report I thought maybe it just needed some time.
I called and even asked for a copy of equifax report to be sent via MAIL because I had lenders believing I had no file. Said it would take 10 business days.
The next day I tried my luck to pull a new report the next day to test to see if the problem was fixed. So once again the report was now Unavailable. Figures. Equifax lines are closed for the holidays and boxing day.
Called back XX/XX/XXXX to see if the ESCALATION team had ANY update. Nothing.
Its been like this since, everyday up to today XX/XX/XXXX. THERE HAS BEEN NO UPDATE FROM THE ALLEGED ESCALATIONS DEPARTMENT AS OF XX/XX/XXXX Since that time I have only been able to pull my credit report twice.
XX/XX/XXXX XX/XX/XXXX I'm lost, nothing on my credit file indicates why it is so XXXX difficult to pull my report. It just seems at random times and intervals I'm able to MAGICALLY pull my report. Nobody can give me an answer.
I HAVE BEEN TRANSFERRED TO SAME DEPARTMENT 17 TIMES WITH SAME TUNE " You need to verify information on your file '' I've already done this 5 times in XX/XX/XXXX. There is no solution ....
I have uploaded documents to verify my identity on XX/XX/XXXX and again on XX/XX/XXXX due to my documents being ILLEGIBLE AGAIN DESPITE BEING TOLD THEY WERE READABLE. AND THE EQUIFAX LETTER THEY SENT WAS IN ERROR.
HELP ME! I CAN'T PULL MY REPORT ANYMORE AND NEITHER CAN A LENDER! ITS NOT ME, ITS EQUIFAX! FIX THIS ISSUE!!!!
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08/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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At the beginning of XXXX XXXX upon closing on our new home, I discovered that XXXX XX/XX/XXXXwas inaccurately reporting information regarding a previous auto account that had been repossessed. We made arrangements to repay the outstanding amount on the loan and accidently missed a XXXX payment and called at the end of XXXX to inform them of our oversight and our intentions to provide a double payment in XXXX. To our shock, XXXX XX/XX/XXXX stated they had already sent it to garnishment. My husband and I had no choice but to file bankruptcy although the defaulted auto loan was about the only debt we had. We were advised by our attorney that only one of us should file since we lived in a community property account and had been married for over 10 years. My husband filed and the debt mentioned in this report was included it in my husband 's bankruptcy.
For approximately a year after the bankruptcy XXXX XX/XX/XXXXcontinuously called and harassed me. I eventually reached out to our attorney and a cease and desist letter was sent to XXXX XX/XX/XXXX. In response to the letter they stopped calling but apparently turned thier attention to my credit history. In XXXX my husband and I began the process of purchasing our first home. Naturally our underwriter requested information regarding the account. I reached out to the special assets department of XXXX XX/XX/XXXX and was told to speak to a representative by the name of XXXX. I explained the situation regarding my husband 's bankruptcy and the fact that my debt was included under his bankruptcy according to community property state laws. My husband and I have been married for over 10 years and remain currently married as of today therefore my debt was included in his bankruptcy which was discharged in XXXX XXXX. XXXX would not give me any information and adamantly refused to give me anything in writing regarding my account. After speaking to XXXX on 2 different occasions and getting nowhere, I asked if I could speak to a supervisor. The supervisor told me that I was incorrect in my interpretation of community property laws however she would send me a letter stating the information regarding my account status with XXXX XX/XX/XXXX. This request was made on XXXX XXXX, XXXX. The supervisor told me on the phone that she would be sending me a hard copy, she also asked for my address and also if I would like an electronic copy sent as well. The letter never showed up so I began calling again to which I was told that I would only be able to speak to a different supervisor by the name of XXXX XXXX. XXXX informed me that I would never ever receive a letter from XXXX XX/XX/XXXXstating my account status and he had no record of my call with the previous supervisor or any of the previous failed dispute attempts. The supervisor I spoke to originally ironically did not give me her name. He then repeatedly told me to take it up with the credit bureaus. I explained that I have filed a total of six complaints towards XXXX XX/XX/XXXX regarding this issue, hired a law firm and spent multiple hours on the phone trying to get this corrected.
The problem was each and every time I called to inquire about the account or ask questions, XXXX XX/XX/XXXX immediately would update my account with 120 days past due. As stated above, this account was included in the bankruptcy therefore I was unable to even pay on the account much less, all of a sudden be 120 days past due. Until XXXX this account was not reporting. The date of the first update was XXXX XXXX and the second update was on XXXX XXXX, XXXX which is the date of the letter promised by the other supervisor. The inaccuracies at this point included : foreclosure terminology instead of the correct repossession terminology, the account appeared open when it was supposed to be closed in XXXX, and numerous late payments after the date of my initial inquiry into the account. I stated for three months repetitiously then I will need all three of these inaccuracies corrected and documentation to prove that such inaccuracies were updated correctly. They refused to correct the information & repeatedly stated you will have to take that up with the credit bureau 's ; to which when I called the credit bureaus they told me that XXXX XX/XX/XXXX verified the information, the inaccurate information. I would then turn around and call XXXX XX/XX/XXXX and he would repeatedly state that I needed to take it up with the credit bureaus.
This consumed over three months of a daily struggle, 6 to 8 hours a day desperately trying to get correct information reported to the credit bureau 's. We are in the middle of a house closing and the inaccuracies have caused this much strife and eventually cost us our house. XXXX XXXX was made aware of all of this throughout the entire past four months however refused to budge on anything brought to their attention.
As a last resort, on XXXX XXXX XXXX, I decided to walk into a local XXXX XX/XX/XXXX branch and ask for information regarding my account. The branch XXXX immediately pulled up my information and low and the hold the requested letter from XXXX XXXX was in my file. The branch XXXX printed it out and gave it to me however it only stated that the account has been charged off not closed as it should be reflected. I then attempted to call XXXX with the XXXX XXXX Department XXXX XXXX XX/XX/XXXX back and hopes to get the correct information reported. He again defaulted to the statement you 'll have to take that up with the credit bureau 's and furthermore told me that the credit bureaus must be obtaining their information from the wrong address and I should provide them with the correct address so that the correct information would be reflected. As absurd as this actually was I followed through with his request and as expected the credit bureaus immediately told me that I could not provide such information it would have to be given by the bank self due to the fact that XXXX XX/XX/XXXX subscribes to their service therefore they must provide information to the credit bureau 's.
After many phone calls to all three credit bureau 's on a regular basis it became apparent that XXXX XX/XX/XXXX was simply moving in accurate, illegal informati after many phone calls to all three credit bureau 's on a regular basis it became apparent that XXXX XX/XX/XXXX was simply moving in accurate information from one credit bureau to another does making it almost impossible to keep up with/and or correct.
On XXXX XXXX, XXXX, after many persistent phone calls and threatening to report them to the FTC and to contact the president of XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX agreed to send me a letter stating they were in fact reporting inaccurately. On XXXX XXXX, XXXX they provided me with a copy of the universal dataform that was supposed to reflect a triveta update to each of the credit bureaus.
The following information was to be corrected : no late payments past XXXX, no foreclosure terminology and no open account. The changes were accurate however they were only reflected on my credit report for approximately 48 hours. Upon further investigation of the submitted XXXX XXXX XXXX, it was brought to our attention that they also illegally change the responsibility from a joint account to an individual account and they also increased the total amount from {$9900.00} to approximately XXXX and one day later increased the amount owed to approximately 19,000. They also added 76 late payments to my 72 month term account after sending documentation stating all late payments were to be removed past XXXX. All of which is false and illegally being reported to all three credit bureau 's. XXXX XX/XX/XXXX has refused to correct the most recent inaccuracies and have defaulted back to staing that I need to contact the credit bureaus to which I called and supplied all of my letters however due to the time restraints of the situation it was in my best interest to contact CFPB. I can provide all documentation regarding the letters written to me from XXXX XX/XX/XXXX stating the fact that they were in accurately reporting, the copy of the universal dataform and many screenshots of their reporting over the past 4 months. This situation has cost my family and I our home and the opportunity to even purchase a home. We will not be able to ever purchase a home without XXXX XX/XX/XXXXcorrecting the information. As mentioned, I have spent approximately 6 to 8 hours daily to get this corrected.
The following INACCURATE information is showing on multiple credit reporting agencies : Account open, amount past due of {$19000.00}, joint account now shows individual account responsibility and 76 late payments.
The account should ACCURATELY reflect the account closed in XXXX, joint responsibility, and no late payments after XXXX.
However, at this point, I would like the entire debt to be removed from all three credit bureau 's so that XXXX XX/XX/XXXX has no means of accessing my Social Security number or any of my information in the future due to multiple failed opportunities to accurately and legally handled the situation. They have changed the information they are reporting on a daily bases and I have no faith that any information reported by them will be reported correctly and will not be changed in the future unbeknownst to me.
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04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the inaccurate information that has been reported on my credit report by XXXX XXXX with account number XXXX. According to XXXX, I was 30 days late on XX/XX/XXXX, but I have never missed a payment on this account. Additionally, XXXX mentioned that the payment status is due 150 days, but I have never received any notification from XXXX XXXX regarding this due 150 days account, nor have they provided any paperwork to support this claim.
I believe that XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), which include : FCRA - Section 623 ( a ) ( 2 ) - This provision requires that credit reporting agencies maintain reasonable procedures to ensure that the information they report is accurate. XXXX XXXX may have violated this provision by reporting inaccurate information to XXXX regarding my payment history on the account.
FCRA - Section 623 ( a ) ( 3 ) - This provision requires that creditors notify consumers in writing before reporting negative information to a credit reporting agency. XXXX XXXX may have violated this provision by failing to provide me with written notice of the delinquency on my account before reporting it to XXXX.
FACTA - Section 612 ( a ) - This provision requires that creditors provide consumers with notice of their right to a free credit report after they report negative information to a credit reporting agency. XXXX XXXX XXXX have violated this provision by failing to provide me with notice of my right to a free credit report after they reported negative information to XXXX.
XXXX XXXX XXXX XXXX has reported to both XXXX and Equifax credit bureaus regarding my account with them. According to both credit bureaus, I was 90 days late on XX/XX/XXXX, but I never missed any payment on this account. Additionally, XXXX is reporting a high credit balance of {$670.00} while Equifax is reporting it as {$550.00}. Furthermore, XXXX reported the last reported date as XX/XX/XXXX and last active date as XX/XX/XXXX, while Equifax reported them as XX/XX/XXXX.
This inaccurate reporting has severely affected my life, as I have been denied credit and loans due to the negative information on my credit report. This has caused me to miss out on important opportunities, such as purchasing a new car and renting a new apartment. As a result, I have faced significant financial and emotional distress.
I believe that XXXX XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, they may have violated Section 623 ( a ) ( 2 ) by reporting inaccurate information to both XXXX and Equifax regarding my payment history on the account. They may have also violated Section 623 ( a ) ( 5 ) by failing to promptly update or delete the inaccurate information reported to both credit bureaus. Finally, they may have violated Section 623 ( a ) ( 7 ) by failing to provide accurate information regarding the account to both XXXX and Equifax.
Therefore, I request that XXXX XXXX XXXX immediately remove the unverified account from my credit report and take the necessary steps to correct the inaccurate information that they have reported. I also ask that you enforce the legal provisions that have been violated by this creditor.
XXXX XXXX on my credit report with XXXX and Equifax. According to my credit report, I was 120 days late on XX/XX/XXXX, on account number XXXX, but I have not missed any payments on this account.
Furthermore, there are several discrepancies in the information reported by XXXX and Equifax, including the monthly payment balance, the balance owed, and the credit limit. These inaccuracies are causing significant harm to my credit score and financial well-being, as it is preventing me from obtaining favorable interest rates on loans and credit cards.
I am writing to request that you enforce the legal provisions outlined in the Fair Credit Reporting Act ( FCRA ). Specifically, the creditor may have violated the following provisions : FCRA - Section 623 ( a ) ( 2 ) - This provision requires that credit reporting agencies maintain reasonable procedures to ensure that the information they report is accurate. The creditor may have violated this provision by reporting inaccurate information to both XXXX and Equifax regarding the payment history on the account.
FCRA - Section 623 ( a ) ( 5 ) - This provision requires that credit reporting agencies promptly update or delete inaccurate or incomplete information. The creditor may have violated this provision by failing to promptly update or delete the inaccurate information reported to both XXXX and Equifax.
FCRA - Section 623 ( a ) ( 7 ) - This provision requires that credit reporting agencies disclose the sources of information in a consumer 's credit report. The creditor may have violated this provision by failing to provide accurate information regarding the account to both XXXX and Equifax.
XXXX, regarding account number XXXX. According to XXXX, I was reported as being 120 days late on XX/XX/XXXX, but I did not miss any payments on this account. This inaccurate reporting has had a significant impact on my life.
I am currently trying to secure a loan to purchase my first home, and the inaccurate information reported by XXXX has negatively affected my credit score and ability to obtain favorable loan terms. Despite my efforts to resolve this issue with XXXX, they have failed to take corrective action and have continued to report inaccurate information to the credit bureaus.
Based on the details provided, it appears that XXXX XXXX have violated several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, they may have violated FCRA Section 623 ( a ) ( 2 ) by reporting inaccurate information to XXXX, and FCRA Section 623 ( a ) ( 5 ) by failing to promptly update or delete the inaccurate information.
XXXX XXXX XXXX, the original creditor being XXXX XXXX. My account number is XXXX.
According to my credit reports from XXXX and Equifax, there is a charge off on my Two-Year payment history for this account. However, I have never received any notification regarding this charge off account, and they have not provided me with any paperwork to prove its validity. Furthermore, the other two credit bureaus, XXXX and XXXX, have not reported any negative information on my account.
Based on the information provided, it appears that the creditor and credit reporting agencies may have violated several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, they may have violated Section 623 ( a ) ( 2 ) by reporting inaccurate information to XXXXXXXX and Equifax regarding the payment history on the account. They may have also violated Section 623 ( a ) ( 5 ) by failing to promptly update or delete the inaccurate information reported to XXXX and Equifax. In addition, they may have violated Section 623 ( a ) ( 7 ) by failing to disclose the sources of information in my credit report accurately.
XXXX XXXX XXXX and the credit reporting agencies, XXXX, XXXX, and Equifax. The account in question is for XXXX, and the account number is XXXX.
I have noticed that XXXX is reporting this account as open, when in fact it is a collection account. The creditor did not send me any notification that they had sold my account to a collection agency, and I was not aware of this until I saw it on my credit report. Additionally, XXXX is reporting a last reported date of XX/XX/XXXX, while XXXX is reporting a last reported date of XX/XX/XXXX, and Equifax has not reported anything at all regarding this account.
I believe that these actions violate the Fair Credit Reporting Act ( FCRA ). FCRA - Section 623 ( a ) ( XXXX ) requires credit reporting agencies to maintain reasonable procedures to ensure that the information they report is accurate. XXXX, XXXX, and Equifax may have violated this provision by reporting inaccurate information regarding the account type on the account. FCRA - Section 623 ( a ) ( 5 ) requires credit reporting agencies to promptly update or delete inaccurate or incomplete information. The creditor and credit reporting agencies may have violated this provision by failing to update or delete the inaccurate information reported to XXXX, XXXX, and Equifax. FCRA - Section 616 ( a ) ( 2 ) requires creditors and debt collectors to notify consumers in writing before reporting negative information to credit reporting agencies. The creditor may have violated this provision by failing to notify me in writing before selling the account to a collection agency.
This inaccurate reporting has had a significant negative impact on my life. It has affected my ability to obtain credit, and it has caused me great stress and XXXX. I have been working hard to improve my credit, but this inaccurate reporting has set me back. I request that the unverified account be removed from my credit report immediately.
I respectfully request that the CFPB enforce the legal requirements of the FCRA and take appropriate action against XXXX XXXX XXXX and the credit reporting agencies for their violations. I also request that the creditor remove this unverified account from my credit report.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I sent this letter to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Since this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgivenXXXX cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by XXXX XXXX XXXX XXXX XXXX. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. this debt should have be Since my account has been charged off. And now sold with out my knowledge. this account does not belong on my report as a charged off. Two companies can not report the same debt. This is a certificate of indebtedness that is suppose to claimed as income and income can not be reported on your credit file or report. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention : Consumer Support Services XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : XXXX XXXX XXXX XXXX XXXX Account # XXXX To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to Credit One Bank and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX Equifax , XXXX XXXX XXXX XXXX, XXXX. Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. I never gave XXXX XXXX XXXX XXXX XXXX Any of my information it was SOLD to you by XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley AcXXXX was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX, XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX XXXX XXXX. Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. Since this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by XXXX XXXX XXXX XXXX XXXX. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. If XXXX XXXX XXXX XXXX XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
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05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
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Web |
Servicemember |
To Whom It May Concern, I recently submitted a verification of the following accounts that appeared to be unfamiliar with me. XX/XX/XXXX, Illinois XXXX XXXX XXXX, a college I attended, had a security incident whereas I and other current and former students personal information was stolen!
( see enclosed : official letter from Illinois XXXX XXXX XXXX XXXX personal information breach ) Upon further examination of these unfamiliar accounts reported by your agency, I began to check the reporting done by your company as well as Equifax and XXXX related to me and found that neither of you three are reporting consistent, accurate, and complete information. According to the FCRA, credit reports are supposed to be accurate, complete, and verifiable! There are a number of eras within the report with several unfamiliar and unverified items in particular.
I demand that you delete these unverifiable and unfamiliar accounts : Delete Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Equifax Date Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the XXXX credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and XXXX and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above XXXX inaccuracies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Equifax Date Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the XXXX credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and XXXX and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above 3 inaccuracies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete Account XXXX XXXX Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK 60 OK OK OK OK OK OK OK O Experian Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Equifax Date Opened XXXX XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and Equifax reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Account Status : Paid XXXX Account Status : Derogatory Equifax Account Status : Paid Account Status should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Payment Status : Late 60 Days XXXX Payment Status : Current Equifax Payment Status : Current Payment Status should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Last Reported : XX/XX/XXXX XXXX Last Reported : XX/XX/XXXX Equifax Last Reported : XX/XX/XXXX Last Reported should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete this Account # XXXX XXXX Account : N/A XXXX Account : N/A Equifax Account : Derogatory Fraudulent Account should be consistent where we have your agency being the only agency reporting this lone-ghost account. Which agency is Correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
This Account is close to the time of the breach of my personal information with Illinois XXXX XXXX XXXX!
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 No Permissible Purpose : I never gave anyone permission to run my credit including your company.
Please provide me with any documents that I signed giving you or anyone written authorization to run my credit.
15 U.S. Code 1681b - Permissible purposes of consumer reports o ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : o ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Further, I demand to be forwarded the following proofs of verification of the above accounts, failure to provide me with the following documents violates my rights according to the Fair Credit Reporting Act 15 U.S.C 1681 1. Any contracts I signed with the supposed company as I never entered into any contract with any of the above account holders!
2. Any signed checks with signatures 3. Anything with my social security number 4. Pay Off Disclosure 5. Interest Rate Disclosure 6. Balance History 7. Payment History By not properly investigating and or your refusal to delete the above inaccurate, unfamiliar, fraudulent, unverified items above demonstrates your lack of respect for the law and by proxy working in concert with those who intend on misusing my credit file.
15 U.S. Code 1681 ( 4 ) Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1692j - Furnishing certain deceptive forms o It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.
o ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
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01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE OF DEFAULT AND OPORTUNITY TO CURE To : Equifax, Equifax and XXXX I have requested several times now to the above-mentioned Credit Reporting Agencys to remove the following XXXX XXXX Bankruptcy for my consumer report. I Have given you more than 30 days to do so.
Under the Federal Consumer credit Protected rights I have the right to privacy and confidentiality which you have decided to continuously violate despite multiple written requests.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
The law states that CRA assume the role they are not required, but you must respect the right for a Consumers right to privacy and I decide what is private to me.
You have caused me defamation of character and multiple violations and adverse actions taken against me due to your unlawful practices.
Under Arizona Revised Statue SB 1614 XXXX XXXX CONSUMER DATA PRIVACY ARTICLE 1. GENERAL PROVISIONS STATES THAT E. A CONSUMER MAY REQUEST THAT A BUSINESS DELETE ANY PERSONAL INFORMATION ABOUT THE CONSUMER THAT THE BUSINESS HAS COLLECTED FROM THE CONSUMER. A BUSINESS THAT COLLECTS PERSONAL INFORMATION ABOUT CONSUMERS SHALL DISCLOSE PURSUANT TO SUBSECTION L OF THIS SECTION THE CONSUMER 'S RIGHTS TO REQUEST THE DELETION OF THE CONSUMER 'S PERSONAL INFORMATION. A BUSINESS THAT RECEIVES A VERIFIABLE REQUEST FROM A CONSUMER TO DELETE THE CONSUMER 'S PERSONAL INFORMATION SHALL DELETE THE CONSUMERS PERSONAL INFORMATION FROM ITS RECORDS AND DIRECT ANY SERVICE PROVIDERS TO DELETE THE CONSUMER 'S PERSONAL INFORMATION FROM THEIR RECORDS.
F. A BUSINESS THAT SELLS PERSONAL INFORMATION ABOUT A CONSUMER OR THAT DISCLOSES A CONSUMER 'S PERSONAL INFORMATION FOR A BUSINESS PURPOSE SHALL DISCLOSE THE INFORMATION SPECIFIED IN SUBSECTION E OF THIS SECTION TO THE CONSUMER ON RECEIPT OF A VERIFIABLE REQUEST FROM THE CONSUMER. A THIRD PARTY MAY NOT SELL PERSONAL INFORMATION ABOUT A CONSUMER THAT HAS BEEN SOLD TO THE THIRD PARTY BY A BUSINESS UNLESS THE CONSUMER HAS RECEIVED EXPLICIT NOTICE AND IS PROVIDED AN OPPORTUNITY TO EXERCISE THE RIGHT TO OPT OUT.
G. A CONSUMER, AT ANY TIME, MAY DIRECT A BUSINESS THAT SELLS PERSONAL INFORMATION ABOUT THE CONSUMER TO THIRD PARTIES NOT TO SELL THE CONSUMER 'S PERSONAL INFORMATION. THIS RIGHT MAY BE REFERRED TO AS THE RIGHT TO OPT OUT.
O. ANY CONSUMER WHOSE NONENCRYPTED OR NONREDACTED PERSONAL INFORMATION IS SUBJECT TO AN UNAUTHORIZED ACCESS AND EXFILTRATION, THEFT OR DISCLOSURE AS A RESULT OF A BUSINESS 'S VIOLATION OF THE DUTY TO IMPLEMENT AND MAINTAIN REASONABLE SECURITY PROCEDURES AND PRACTICES APPROPRIATE TO THE NATURE OF THE INFORMATION TO PROTECT THE PERSONAL INFORMATION MAY INSTITUTE A CIVIL ACTION FOR ANY OF THE FOLLOWING : 1. RECOVERY OF DAMAGES IN AN AMOUNT OF AT LEAST {$100.00} AND NOT MORE THAN {$750.00} PER CONSUMER PER INCIDENT OR ACTUAL DAMAGES, WHICHEVER IS GREATER.
2. INJUNCTIVE OR DECLARATORY RELIEF.
3. ANY OTHER RELIEF THE COURT DEEMS PROPER.
P. IN ASSESSING THE AMOUNT OF STATUTORY DAMAGES, THE COURT SHALL CONSIDER ANY ONE OR MORE OF THE RELEVANT CIRCUMSTANCES PRESENTED BY ANY OF THE PARTIES TO THE CASE, INCLUDING THE NATURE AND SERIOUSNESS OF THE MISCONDUCT, THE NUMBER OF VIOLATIONS, THE PERSISTENCE OF THE MISCONDUCT, THE LENGTH OF TIME OVER WHICH THE MISCONDUCT OCCURRED, THE WILFULNESS OF THE DEFENDANT 'S MISCONDUCT AND THE DEFENDANT 'S ASSETS, LIABILITIES AND NET WORTH. A CONSUMER MAY BRING AN ACTION PURSUANT TO THIS SECTION IF, BEFORE INITIATING ANY ACTION AGAINST A BUSINESS FOR STATUTORY DAMAGES ON AN INDIVIDUAL OR CLASS-WIDE BASIS, THE CONSUMER PROVIDES A BUSINESS THIRTY DAYS ' WRITTEN NOTICE THAT IDENTIFIES THE SPECIFIC PROVISIONS OF THIS SECTION THE CONSUMER ALLEGES HAVE BEEN OR ARE BEING VIOLATED. IF A CURE IS POSSIBLE AND IF WITHIN THE THIRTY DAYS THE BUSINESS ACTUALLY CURES THE NOTICED VIOLATION AND PROVIDES THE CONSUMER AN EXPRESS WRITTEN STATEMENT THAT THE VIOLATIONS HAVE BEEN CURED AND THAT NO FURTHER VIOLATIONS WILL OCCUR, AN ACTION FOR INDIVIDUAL STATUTORY DAMAGES OR CLASS-WIDE STATUTORY DAMAGES MAY NOT BE INITIATED AGAINST THE BUSINESS. A NOTICE IS NOT REQUIRED BEFORE AN INDIVIDUAL CONSUMER INITIATES AN ACTION SOLELY FOR ACTUAL PECUNIARY DAMAGES SUFFERED AS A RESULT OF THE ALLEGED VIOLATIONS OF THIS SECTION. IF A BUSINESS CONTINUES TO VIOLATE THIS SECTION IN BREACH OF THE EXPRESS WRITTEN STATEMENT PROVIDED TO THE CONSUMER UNDER THIS SECTION, THE CONSUMER MAY INITIATE AN ACTION AGAINST THE BUSINESS TO ENFORCE THE WRITTEN STATEMENT AND MAY PURSUE STATUTORY DAMAGES FOR EACH BREACH OF THE EXPRESS WRITTEN STATEMENT, AS WELL AS ANY OTHER VIOLATION OF THIS SECTION THAT POSTDATES THE WRITTEN STATEMENT. ANY BUSINESS OR THIRD PARTY MAY SEEK THE OPINION OF THE ATTORNEY GENERAL FOR GUIDANCE ON HOW TO COMPLY WITH THIS SECTION. A BUSINESS IS IN VIOLATION OF THIS SECTION IF THE BUSINESS FAILS TO CURE ANY ALLEGED VIOLATION WITHIN THIRTY DAYS AFTER BEING NOTIFIED OF ALLEGED NONCOMPLIANCE. ANY BUSINESS, SERVICE PROVIDER OR OTHER PERSON THAT VIOLATES THIS SECTION IS LIABLE FOR A CIVIL PENALTY IN A CIVIL ACTION BROUGHT IN THE NAME OF THIS STATE BY THE ATTORNEY GENERAL OF UP TO {$7500.00} FOR EACH VIOLATION.
Q. THE REGULATION OF CONSUMER DATA PRIVACY IS OF STATEWIDE CONCERN. THIS SECTION SUPERSEDES AND PREEMPTS ALL REGULATION OF CONSUMER DATA PRIVACY AND IS NOT SUBJECT TO FURTHER REGULATION BY A COUNTY, CITY, TOWN OR OTHER POLITICAL SUBDIVISION OF THIS STATE.
R. FOR THE PURPOSES OF THIS SECTION : 1. " BUSINESS '' MEANS A SOLE PROPRIETORSHIP, PARTNERSHIP, LIMITED LIABILITY COMPANY, CORPORATION, ASSOCIATION OR OTHER LEGAL ENTITY THAT IS ORGANIZED OR OPERATED FOR THE PROFIT OR FINANCIAL BENEFIT OF ITS SHAREHOLDERS OR OTHER OWNERS, THAT COLLECTS CONSUMERS ' PERSONAL INFORMATION, OR ON THE BEHALF OF WHICH SUCH INFORMATION IS COLLECTED AND THAT ALONE, OR JOINTLY WITH OTHERS, DETERMINES THE PURPOSES AND MEANS OF PROCESSING CONSUMERS ' PERSONAL INFORMATION, THAT DOES BUSINESS IN THIS STATE AND THAT SATISFIES ONE OR MORE OF THE FOLLOWING THRESHOLDS : ( a ) HAS ANNUAL GROSS REVENUES IN EXCESS OF {>= $1,000,000}.
( b ) ALONE OR IN COMBINATION, ANNUALLY BUYS, RECEIVES FOR THE BUSINESS ' COMMERCIAL PURPOSES, SELLS OR SHARES FOR COMMERCIAL PURPOSES, ALONE OR IN COMBINATION, THE PERSONAL INFORMATION OF FIFTY THOUSAND OR MORE CONSUMERS, HOUSEHOLDS OR DEVICES.
( c ) DERIVES FIFTY PERCENT OR MORE OF ITS ANNUAL REVENUES FROM SELLING CONSUMERS ' PERSONAL INFORMATION.
2. " PERSONAL INFORMATION '' : ( a ) MEANS INFORMATION THAT IDENTIFIES, RELATES TO, DESCRIBES, IS CAPABLE OF BEING ASSOCIATED WITH OR COULD REASONABLY BE LINKED, DIRECTLY OR INDIRECTLY, WITH A PARTICULAR CONSUMER OR HOUSEHOLD, INCLUDING : ( i ) IDENTIFIERS SUCH AS A REAL NAME, ALIAS, POSTAL ADDRESS, UNIQUE PERSONAL IDENTIFIER, ONLINE IDENTIFIER INTERNET PROTOCOL ADDRESS, EMAIL ADDRESS, ACCOUNT NAME, SOCIAL SECURITY NUMBER, DRIVER LICENSE NUMBER, PASSPORT NUMBER OR OTHER SIMILAR IDENTIFIER.
( ii ) CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER STATE OR FEDERAL LAW.
( iii ) COMMERCIAL INFORMATION, INCLUDING RECORDS OF PERSONAL PROPERTY, PRODUCTS OR SERVICES PURCHASED, OBTAINED OR CONSIDERED OR OTHER PURCHASING OR CONSUMING HISTORIES OR TENDENCIES.
I AM ATTACHING THE FULL STATUE FOR YOUR REVIEW SO THAT YOU MAY DO YOUR DUE DILLIGANCE AND RESPECT MY RIGHTS AND PRIVACY.
I AM NOW DEMANDING THAT YOU IMMEDIATELY REMOVE THE BANKRUPTCY AND ALL ACCOUNTS ASSOCIATED WITH THE BANKRUPTCY FORM MY CONSUMER REPORT BEFORE LEGAL ACTION IS TAKE UPON YOUR AGENCY.
THIS IS YOUR LAS OPORTUNITY TO CURE.
Also correct my name and address on all consumer reports to reflect the following and only the following : XXXX XXXX address is XXXX XXXX XXXX XXXX, XXXX AZ XXXX.
Remove all other names alias and address for they are incorrect and expose me to identity fraud.
I have attached my ID and Bill of proof of identity and address.
Let this notice serve as an intent to sue!
Respectfully submitted XXXX XXXX
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11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I REQUESTED A XXXX ON XXXX AND THE COMPANY REPILED, THEY CAN NOT GIVE ME THE INFORMATION I REQUESTED AND KEPT REPORTING LATE PAYMENTS AND ACCORDING TO THE LAW I HAVE A RIGHT TO REQUEST ANY INFO I HAVE ABOUT MY LOAN. THEY ARE NOT SUPPOSE TO REPORT ANY INFORMATION TO THE CREDIT REPORTING ANGENCY UNTIL THE INVESIGATION IS COMPLETE FOR 60 DAYS THEY HAVE VIOLATETED MY RIGHTS AS A CONSUMER. 12 USC 2605 SERVICING OFMORTGAGE LOANS AND ADMINISTRATIONS OF ESCROW ACCOUNTS.
( XXXX ) Duty of loan servicer to respond to borrower inquiries ( XXXX ) Notice of receipt of inquiry ( A ) In general If any servicer of a federally related mortgage loan receives a qualified written request from the borrower ( or an agent of the borrower ) for information relating to the servicing of such loan, the servicer shall provide a written response acknowledging receipt of the correspondence within 5 days ( excluding legal public holidays, XXXX, and XXXX ) unless the action requested is taken within such period.
( B ) Qualified written request For purposes of this subsection, a qualified written request shall be a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, that ( i ) includes, or otherwise enables the servicer to identify, the name and account of the borrower; and ( ii ) includes a statement of the reasons for the belief of the borrower, to the extent applicable, that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.
( XXXX ) Action with respect to inquiry Not later than 30 days ( excluding legal public holidays, XXXX, and XXXX ) after the receipt from any borrower of any qualified written request under paragraph ( XXXX ) and, if applicable, before taking any action with respect to the inquiry of the borrower, the servicer shall ( A ) make appropriate corrections in the account of the borrower, including the crediting of any late charges or penalties, and transmit to the borrower a written notification of such correction ( which shall include the name and telephone number of a representative of the servicer who can provide assistance to the borrower ) ; ( B ) after conducting an investigation, provide the borrower with a written explanation or clarification that includes ( i ) to the extent applicable, a statement of the reasons for which the servicer believes the account of the borrower is correct as determined by the servicer ; and ( ii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower ; or ( C ) after conducting an investigation, provide the borrower with a written explanation or clarification that includes ( i ) information requested by the borrower or an explanation of why the information requested is unavailable or can not be obtained by the servicer ; and ( ii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower.
( XXXX ) Protection of credit rating During the 60-day period beginning on the date of the servicers receipt from any borrower of a qualified written request relating to a dispute regarding the borrowers payments, a servicer may not provide information regarding any overdue payment, owed by such borrower and relating to such period or qualified written request, to any consumer reporting agency ( as such term is defined under section 1681a of title 15 ).
( 4 ) Limited extension of response time The 30-day period described in paragraph ( 2 ) may be extended for not more than 15 days if, before the end of such 30-day period, the servicer notifies the borrower of the extension and the reasons for the delay in responding.
( f ) Damages and costs Whoever fails to comply with any provision of this section shall be liable to the borrower for each such failure in the following amounts : ( XXXX ) Individuals In the case of any action by an individual, an amount equal to the sum of ( A ) any actual damages to the borrower as a result of the failure; and ( B ) any additional damages, as the court XXXX allow, in the case of a pattern or practice of noncompliance with the requirements of this section, in an amount not to exceed {$2000.00}.
( XXXX ) Class actions In the case of a class action, an amount equal to the sum of ( A ) any actual damages to each of the borrowers in the class as a result of the failure; and ( B ) any additional damages, as the court XXXX allow, in the case of a pattern or practice of noncompliance with the requirements of this section, in an amount not greater than {$2000.00} for each member of the class, except that the total amount of damages under this subparagraph in any class action XXXX not exceed the lesser of ( i ) {>= $1,000,000} ; or ( ii ) XXXX percent of the net worth of the servicer.
( XXXX ) Costs In addition to the amounts under paragraph ( XXXX ) or ( XXXX ), in the case of any successful action under this section, the costs of the action, together with any attorneys fees incurred in connection with such action as the court XXXX determine to be reasonable under the circumstances.
( XXXX ) Nonliability A transferor or transferee servicer shall not be liable under this subsection for any failure to comply with any requirement under this section if, within 60 days after discovering an error ( whether pursuant to a final written examination report or the servicers own procedures ) and before the commencement of an action under this subsection and the receipt of written notice of the error from the borrower, the servicer notifies the person concerned of the error and makes whatever adjustments are necessary in the appropriate account to ensure that the person will not be required to pay an amount in excess of any amount that the person otherwise would have paid.
( g ) Administration of escrow accounts If the terms of any federally related mortgage loan require the borrower to make payments to the servicer of the loan for deposit into an escrow account for the purpose of assuring payment of taxes, insurance premiums, and other charges with respect to the property, the servicer shall make payments from the escrow account for such taxes, insurance premiums, and other charges in a timely manner as such payments become due. Any balance in any such account that is within the servicers control at the time the loan is paid off shall be promptly returned to the borrower within XXXX business days or credited to a similar account for a new mortgage loan to the borrower with the same lender.
( h ) Preemption of conflicting XXXX laws Notwithstanding any provision of any law or regulation of any State, a person who makes a federally related mortgage loan or a servicer shall be considered to have complied with the provisions of any such State law or regulation requiring notice to a borrower at the time of application for a loan or transfer of the servicing of a loan if such person or servicer complies with the requirements under this section regarding timing, content, and procedures for notification of the borrower.
( i ) XXXX purposes of this section : ( XXXX ) Effective date of transfer The term effective date of transfer means the date on which the mortgage payment of a borrower is first due to the transferee servicer of a mortgage loan pursuant to the assignment, sale, or transfer of the servicing of the mortgage loan.
( XXXX ) XXXX term servicer means the person responsible for servicing of a loan ( including the person who makes or holds a loan if such person also services the loan ). The term does not include ( A ) the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX, in connection with assets acquired, assigned, sold, or transferred pursuant to section XXXX ( c ) of this title or as receiver or conservator of an insured depository institution ; and ( B ) the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in any case in which the assignment, sale, or transfer of the servicing of the mortgage loan is preceded by ( i ) termination of the contract for servicing the loan for cause ; ( ii ) commencement of proceedings for bankruptcy of the servicer ; or ( iii ) commencement of proceedings by the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX for conservatorship or receivership of the servicer ( or an entity by which the servicer is owned or controlled ).
( XXXX ) Servicing The term servicing means receiving any scheduled periodic payments from a borrower pursuant to the terms of any loan, including amounts for escrow accounts described in section 2609 of this title, and making the payments of principal and interest and such other payments with respect to the amounts received from the borrower as may be required pursuant to the terms of the loan.
( j ) Transition ( XXXX ) Originator liability A person who makes a federally related mortgage loan shall not be liable to a borrower because of a failure of such person to comply with subsection ( a ) with respect to an application for a loan made by the borrower before the regulations referred to in paragraph ( XXXX ) take effect.
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02/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
The inquires listed below by Equifax and XXXX are not inquires I authorized and should be deleted ASAP. I have also contacted the companies who did inquires and was told to dispute them.
Equifax Inquires below : Please delete!!
Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions Equifax XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.
XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX2017 Credit Unions XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Auto Dealer Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.
XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies Classic XXXX In Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquires : Please delete!!!
Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX.
XXXX Inquiry from XX/XX/XXXX XXXX.
XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX 's XXXX Inquiry from XX/XX/XXXX Automotive XXXX 's XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX # Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Misc.
XXXX XXXX Inquiry from XX/XX/XXXX Misc.
XXXX XXXX Inquiry from XX/XX/XXXX Misc.
XXXX XXXX Inquiry from XX/XX/XXXX Misc.
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12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing Equifax for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name______XXXX_______________________________ Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX Account Name__XXXX___________________________________ Date XXXX Account XXXX Reason for dispute__IDENTITY THEFT_________________________ Account XXXX Account Name____XXXX XXXX XXXX__ Date XXXX Account Number___ XXXX Reason for dispute__IDENTITY THEFT________________________ Account XXXX
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06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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DELETE THIS ACCOUNT IMMEDIATELY XXXX XXXX -DELETE THIS ACCOUNT IMMEDIATELY I SENT THIS LETTER TO XXXX XXXX XXXX XXXX Since this debt was originally Charged off by the creditor XXXX XXXX charged off debt can not be reported due to the fact that the XXXX Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes DELETE THIS ACCOUNT IMMEDIATELY XXXX XXXX -DELETE THIS ACCOUNT IMMEDIATELY AND BLOCK THIS COMPANY XXXX XXXX XXXX FROM REPORTING ON MY CREDIT REPORT AND FILE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Location XXXX To whom it XXXX concern : Per the FCRA as XXXX federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. I never gave XXXX XXXX XXXX. Any of my information it was SOLD to them by XXXX XXXX which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and XXXX XXXX Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. The FTC clearly states that The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The XXXX XXXX was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX. Please provide me with ALL the below mentioned items : XXXX original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( XXXX, XXXX, XXXX ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the XXXX XXXX XXXX XXXX XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. Since this debt was originally Charged off by the creditor, this means that the debt was written off due it being a certificate of indebtedness. I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, a Minimum THIRTY ( XXXX ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which I was suppose to receive a XXXX and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. If XXXX XXXX XXXX. fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company database, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, XXXX XXXX _________________________________
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08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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First Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # XXXX Letter that was sent to XXXX XXXX XXXX
To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$590.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Second Collection Company : XXXX XXXX XXXX Below is the letter that was sent to XXXX XXXX XXXX 30 days ago : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe past due amount {$880.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. Medical Debt Act of 2015 ( Violation of HIPPA Law ) This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Third Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I OWE A BALANCE {$2800.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fourth Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I OWE A BALANCE {$590.00}. CREDIT LIMIT {$300.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
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04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS XXXX : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX , Florida XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
4. Identity Theft XXXX XXXX Account Number : XXXX Please remove from credit report.
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove from credit report.
6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
7. Identity Theft XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
18. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
20. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Do Not Mark this as a Duplicate complaint as my FULL complaint is never addressed by Equifax, XXXX or XXXX XXXX XXXX. So much so to the point that I can already predict their response to my complaints being that they have somehow verified the information belongs to me with an explanation irrelevant to my complaint and they refuse to delete it. I have submitted several complaints against Equifax and XXXX to notify them of errors in my consumer report. I also submitted 2 complaints against XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and in response to my complaints against XXXX XXXX XXXX they said " XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint of XXXX XXXX Case Number : XXXX, XXXX Internal Reference : XXXX In response to your letters dated XX/XX/XXXX and XX/XX/XXXX, we provide the following information. To ensure there is no confusion, XXXX XXXX is not our client, he is the consumer '' so According to XXXX XXXX XXXX and the law I am the Consumer. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. They claim under section 33 of my lease agreement with XXXX XXXX XXXX they MAY report to consumer agencies and this is still with my consent and does not trump my right to privacy so as the consumer I say any authority granted to report under section 33 of the lease agreement is revoked as is my right by law. This clause in the lease does not override my right to privacy. And under 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' To be more specific person means '' The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity '' This includes XXXX XXXX XXXX, Equifax and XXXX all of which I have made many complaints against explaining why the information should not be reported which they ignore. On top of these clear and egregious violations XXXX another consumer reporting agency already deleted the fraudulent account at my instructions. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Equifax and XXXX are not maintaining reasonable procedures as my report is not consistent across the reporting agencies. If XXXX could not verify that it was lawfully added to my report my question is how could Equifax or XXXX. Also 16 CFR 313.7 ( f ) under the authority of 15 U.S.C. 6801 et seq., 12 U.S.C. 5519 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services once again. Please stop ignoring the fact that you or any agency can not furnish this information without my consent and you do not have it. 15 U.S. Code 1681n - Civil liability for willful noncompliance states that " Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} '' it also states " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I have already demonstrated that you don't have permissible purpose and are knowingly continuing to report information after I have made many complaints. I am very tired of making complaints to no avail I know my rights as a consumer and I am tired of these companies violating my rights. If you still refuse to comply I will see you in federal court and according to 15 USC 1681n ( c ) " Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper '' and when I win you will pay my attorney fees. I would really love to see how you weasel your way out of this in your response please address how it is you continue to report without my consent. You always seem to conveniently leave that out. You already admitted I am the consumer so please explain why the Fair Credit Reporting Act is not protecting my rights the language in the act is very clear so now not only am I requesting you delete the account I want XXXX from each company for wilfully violating the provisions of that act. You can send the check to whatever address you have on file. Stop XXXX on my right to privacy and follow the law. In your response I demand to see an explanation of all the laws I listed and why you continue to violate them. Also to those at the CFPB what else must I do for you to actually enforce the provisions of the Fair Credit Reporting Act so far the Consumer Finance Protection Bureau has done a terrible job protecting my rights as the Consumer which was stated by XXXX XXXX XXXX that I am the Consumer. Every company on this complaint agreed to follow federal law not only in their security agreement filed with sec.gov but also in their consumer agreements. XXXX XXXX XXXX also claims to have won awards in their field but are obviously violating not only me but many other consumers. As well as the fact the Equifax and XXXX are also constantly violating consumers. And as you people seem to get amnesia I have made this report as specific as I can .Once again please stop ignoring the fact that you or any other agency can not report these items without my consent and you do not have it. The account I am speaking of is XXXX XXXX XXXXXXXX XXXX XXXXhrough XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account # XXXX
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04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXXOCC see below emails My credit report is at a XXXX and went down XXXX points as XXXX is reporting me late on my XXXX XXXX. Ask XXXX why when I call and I have recorded calls- they will not accept my payment. By post or in XXXX XXXX Cease and Desist was added by an XXXX named XXXX XXXX and read the letter he wrote me from the last complaint. Thirst people can not do this! I am going to now sue for all the horrible acts XXXX is getting away with via CFPB!!!
I HAVE Undeniable proof. Shame on you CFPB for allowing XXXX violate over and over. The works is XXXX down and XXXX during a Corona virus reports me late! XXXX list on line they are willing to help during the Corona virus! What a bunch of liars. Negligence. XXXX would not take my payment. Charging me late fees and interest and lied over and over.
I will make sure every XXXX employee and higher up is held accountable for there actions.
Those XXXX employees were emailed many times a day not one response. No XXXX visa statement which can only be mailed since its a closed account which again closed the account in 3 weeks. My loan account no access. Told to go in a branch by XXXX to show I am XXXX XXXX I have many recorded calls, emails and went in the Branch and this was in my prior complaint!!!!
I want to make this clear since I have filed many complaints regarding the many bank violations XXXX has done over and over. CFPB just forwards the complaint and does not read and allows XXXX XXXX to get away with banking violations. I have sent an email to the director of the OCC. XXXX XXXX black listed my emails, Will not allow me to make a payment over the phone, not in a branch or the drive thru. I am also told due to the inability to work together and read a transcript. I HAVE Recorded calls. I have not received my XXXX visa statement since XX/XX/XXXX. They put a cease and desist without my permission!!!! They will not take my loan payments since XX/XX/XXXX. I had to beg for two hours no access to my own loan account!!!! I have been going in circles with these XXXX.
From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Fw : Acct XXXX Visa XXXX XXXX XXXX XXXX. Loan XXXX XXXX, the only creditor reporting me delinquent via XXXX credit report stating I am delinquent as of XX/XX/XXXX. XXXX put a cease and desist order!!!!! And blacklisted my emails. Meaning they blocked my emails as that is the email message I receive back. XXXX XXXX will not take my payments by phone, in the bank , drive through or by mail. I am being told by XXXX employees they read me a transcript on the phone due to our relationship XXXX is unable to assist so on and so forth. This abuse needs to stop. I have not received a XXXX visa statement since my XX/XX/XXXX payment was due XX/XX/XXXX to XX/XX/XXXX statement. My loan which I paid {$6000.00} and not behind charging me late fees and interest. Charging me interest on my Visa of {$71.00} with late fees. I am not late with one other creditor nor have any issues with any of my creditors. This is horrible that XXXX is abusive and unprofessional. I was in a hardship program with my XXXX visa. I tried to renew it and once again the games and hours on the phone. Keep in mind I have ample proof XXXX violated every banking violation you can think of. I am done dealing with being abused. Creditors are assisting people with no issues. This bank is not only trying to sabotage my credit but will do everything in there power in any way possible to harm me mentally. Possibly harming me in some way.
If XXXX will not speak to me, or assist me in the Branch, and I mailed out my payment to a XXXX XXXX from the XXXX chairmans office and still will not take my payments! Someone needs to step in as I will not be mentally abused or physically harm me and have my credit ruined for the egregious acts XXXX persons have done to me. I have substantial proof.
XXXX XXXX I have emailed over and over. XXXX black listed my email. So I have filed a complaint with OCC with director. My credit score has gone down 50 points. I have telephone recordings! Proof I was at a branch. Are you people out of your mind!!!
Where is my XXXX statement! This XXXX from the chairmans office sends a letter which is a bunch of lies which I sent in my prior complaint.
signed by a low end advocate XXXX XXXX who is a complete XXXX and is a liar. I ha e phone records I called XXXX in XXXX, XXXX and XXXX. I have phone recordings along with my phone Records!!!! CFPB complaint XXXX. The whole world is shut down and they are reporting me late!!!! I have stellar credit. These people are the worst low end people.
1. They black listed my emails. I am not allow in a branch. Not because I am a threat if I was than they should take me to Court! Changed my password to my loan account which I have no access too and paid {$6000.00} a head of time. They charged me a late fees on that account and I was not late. I HAVE PROOF!!!
These people are not going to get away with this!!! I have also contacted a Lawyer in the FCC.
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX Subject : Acct XXXX Visa XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX : Another incompetent XXXX employee. Customer Advocate. How disgraceful!
Mr. XXXX, I called your office and due to this outbreak as you well know I spoke to an official at the OCC and told due to my story I was advised to add you to this email. I have all proof to back up every single claim against XXXX XXXX and its employees who continue to violate banking laws. The list is endless.
1. I am so tired of filing complaints with CFBP and OCC and State Attorney General Office who gave me XXXX XXXX phone number and email address. He did not have the decency to respond to one of my emails!!!!! I have recorded calls, Phone statements, ID numbers of TD employees I spoke too!!!!!
I was in a hardship program for my XXXX. I had a direct contact with Director- XXXX XXXX XXXX who no longer works there!!!! I called many times XXXX, XXXX, XXXX to inquire to renew. I was provided XXXX phone number by one of your XXXX employees along with many others that would not provide phone numbers or transfer or assist to this so called new department!!!!! I spent hours on the phone!
I have substantial proof!!!! Your hardship department has changed as of XX/XX/XXXX with no letter, and calling over and over with not one person to renew this. This XXXX XXXX XXXX adds a cease and desist!!! XXXX XXXX can not even send out a correct dated letter or even debit my XXXX XXXX account for my loan payments when I had my bank acct. I have never had one issue with any other creditor accept this XXXX XXXX bank!!!! I want this situation over. I will not be abused anymore.
1. I want the interest removed from my XXXX visa and late fees!!!! No one would take my payment. I was on the phone for two hours. Not one person would take my measly {$42.00} payment. I went in the bank and have no access to my loan. My password was changed and not by me and no one else accept XXXX XXXX I was locked out of my own acct. I had to beg someone to take my payment over the phone.
I paid you XXXX {$6000.00} and did not even allocate the money properly. I have late charges. My interest is through the roof!!!! No statements that I asked for! I can not even log in my own account!!!!! I am not behind in my payments!!!!!
I want my loan payments deferred and interest stopped. The same for the closed Visa acct! It was closed after three weeks. There is endless story after story.
I went in XXXX XXXX Branch with my passport, DL, and proof of my residence. XXXX at XXXX XXXX would not assist me and told me my get out as he has the authority through XXXX XXXX that he does not have to assist me.
For the record XXXX XXXX Ive emailed you prior and you did not respond. Many times!!!!
FYI I assure you its the law to assist. I will never go away until your egregious mistakes are rectified.
I want my statements to my loan.
Who is going to assist with hardship for my credit card. Who is going to assist with my loan.
As for XXXX XXXX Shame on you. By the way I mailed my payment and the check was not cashed!!!!!
You have the nerve to treat me like a peasant and tell me to mail my payment!!!! Ask XXXX why he did not take my payment!!!!! You XXXX!!!
Note : This is the only creditor I am having a three year battle. This has been going on since XX/XX/XXXX!
I am so tired of spending hours to make a payment, to beg people to take a payment and not even late with my payments. I am locked out of my loan account! No statements, late fees, I am not even late. Interest not correct! I go into a XXXX Branch. My check is not accepted!!!!! What is going on here!!!!!!!
I have proof of every statement I make and witnesses and High Ranking employee In the consumer affairs office that tried to assist me and spoke to XXXX XXXX and its employees. He said- I have been here over 15 years and never seen a case like this along with the XXXX people at XXXX XXXX. This needs to stop once and for all. NOW.
XXXX XXXX
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04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing this dispute to request enforcement of the legal provisions that were violated by the creditors listed below. These violations have had a profound impact on my life, causing me significant emotional distress and financial hardship.
Creditor : XXXX XXXX XXXX Account Number : XXXX According to all three credit bureaus, I was reported as being 120 days late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite not missing any payments on this account. XXXX and XXXX both show a monthly payment balance of {$0.00}, but Equifax did not report this information. Furthermore, XXXX and XXXX show a balance of {$21000.00}, but Equifax reports a balance of {$21000.00}. Lastly, XXXX 's last reported date is XX/XX/XXXX, but XXXX and Equifax 's last reported dates are XX/XX/XXXX and XX/XX/XXXX, respectively.
These actions by the creditor violate the following provisions of federal law : Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( A ) : Creditors must report accurate and complete information to credit bureaus.
Section 623 ( a ) ( 1 ) ( B ) : Creditors must notify credit bureaus of any corrections to inaccurate information.
Section 623 ( a ) ( 2 ) : Creditors must investigate disputes about inaccurate information and correct errors as necessary.
Truth in Lending Act ( TILA ) Section 128 : Creditors must provide accurate and transparent disclosures about loan terms, fees, and servicing practices to consumers.
Section 129 : Consumers have the right to rescind certain types of loans within a specified period of time.
Real Estate Settlement Procedures Act ( RESPA ) Section 2605 : Servicers must respond to requests for information and complaints from borrowers in a timely manner.
Section 2605 ( e ) : Servicers must correct errors related to borrower accounts and respond to written requests from borrowers for information.
Fair Credit Billing Act ( FCBA ) Section 1666 : Creditors must promptly investigate and correct billing errors and unauthorized charges on consumer accounts.
These violations have caused me great distress, as I have been unfairly penalized for a delinquency that did not occur. The inaccurate information on my credit report has impacted my ability to secure loans, employment, and housing. It has caused significant financial hardship and has taken a toll on my mental and emotional well-being.
XXXX XXXX XXXX XXXX regarding my account number XXXX. According to all three bureaus, I was reported as 60 days late on XX/XX/XXXX, even though I did not miss any payment on this account. Additionally, XXXX and XXXX show a balance of {$110.00}, while Equifax shows a balance of {$150.00}. Furthermore, XXXX mentioned the payment status is due 120 days, but I never received any notification from them regarding this due 120 days account, and they never provided any paperwork with me. The other two bureaus did not report any negative information on my account.
These actions by XXXX XXXX XXXX XXXX are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require creditors to report accurate and complete information to credit bureaus and investigate disputes about inaccurate information and correct errors as necessary. Furthermore, these actions may also be in violation of the Truth in Lending Act ( TILA ), specifically Section 128, which requires creditors to provide accurate and transparent disclosures about loan terms, fees, and servicing practices to consumers. Additionally, the Real Estate Settlement Procedures Act ( RESPA ), specifically Sections 2605 and 2605 ( e ), may have also been violated as Grow Credit , Inc. did not respond to my requests for information and complaints in a timely manner and did not correct errors related to my account or respond to my written requests for information.
Specifically, I would like to highlight the following violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Section 623 ( a ) ( 1 ) ( A ) : Creditors must report accurate and complete information to credit bureaus.
Section 623 ( a ) ( 2 ) : Creditors must investigate disputes about inaccurate information and correct errors as necessary.
Section XXXX09 ( a ) : Debt collectors must send a written notice to consumers within five days of their initial communication about the debt, which includes the amount of the debt and the name of the creditor to whom the debt is owed.
One of my creditors, XXXX with account number XXXX, has reported an unpaid status to Equifax without providing any notification or paperwork to me. However, the other two credit bureaus have not reported any negative information regarding this account. This is a clear violation of the FCRA, as creditors must report accurate and complete information to all three credit bureaus.
In addition, another creditor, XXXX XXXX with account number XXXX, has reported inaccurate information to all three credit bureaus. According to their reports, I was 60 days late on XX/XX/XXXX and 30 days late on XX/XX/XXXX, even though I never missed any payments on this account. Furthermore, the balance reported by XXXX and XXXX is different from the balance reported by Equifax. XXXX also mentioned a due status of 120 days, which I never received any notification or paperwork about. These inaccuracies are a clear violation of the FCRA, and creditors must investigate and correct any errors as necessary.
In particular, the account with XXXX ( account number : XXXX ) has been reported as charged off by XXXX and XXXX, but I have never received any notification regarding this charge off account. Furthermore, they have failed to provide me with any paperwork or documentation regarding the account, while one bureau did not report any negative information on the account. Additionally, there are discrepancies between the reported balances and dates across the bureaus, which adds to the confusion.
This inaccurate reporting is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, the creditors have violated Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires them to report accurate and complete information to credit bureaus, as well as Section 623 ( a ) ( 2 ), which mandates that creditors investigate disputes about inaccurate information and correct errors as necessary. Moreover, Section 623 ( a ) ( 5 ) requires creditors to delete information that is inaccurate, incomplete, or can not be verified. The creditors have also violated Section 128 of TILA, which requires them to provide accurate and transparent disclosures about loan terms, fees, and servicing practices to consumers.
The creditor 's failure to provide me with a notice or paperwork related to the charge off account is a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ), which requires debt collectors to send a written notice to consumers within five days of their initial communication about the debt, including the amount of the debt and the name of the creditor to whom the debt is owed.
XXXX XXXX XXXX : XXXX shows a monthly payment of {$0.00}, but XXXX and Equifax did not report it. XXXX also shows a high credit balance of {$440.00}, but XXXX and Equifax did not report it. All three bureaus show the payment status as charge off, but I never received any notification from them regarding this charge off account, and they never provided me with any paperwork. XXXX shows the last active date as XX/XX/XXXX, but XXXX is XX/XX/XXXX, and Equifax was XX/XX/XXXX.
These creditors have violated the following provisions of the FCRA : Section 623 ( a ) ( 1 ) ( A ) : Creditors must report accurate and complete information to credit bureaus.
Section 623 ( a ) ( 2 ) : Creditors must investigate disputes about inaccurate information and correct errors as necessary.
Section 623 ( a ) ( 5 ) : Creditors must delete information that is inaccurate, incomplete, or can not be verified.
Furthermore, the creditor 's failure to provide me with a notice or paperwork related to the charge off account could be a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ), which states that debt collectors must send a written notice to consumers within five days of their initial communication about the debt, which includes the amount of the debt and the name of the creditor to whom the debt is owed.
This inaccurate and incomplete information on my credit report has had a significant impact on my life. It has made it difficult for me to obtain loans, credit cards, and even housing. I have been denied credit and suffered from higher interest rates, which has resulted in financial strain and added stress.
I request that these unverified accounts be removed from my credit report as soon as possible. I also request that the CFPB enforce the legal provisions of the FCRA and FDCPA to hold these creditors accountable for their violations and to prevent future harm to consumers.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
3. CXXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
4. XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
5. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
6. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
7. XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
8. XXXX XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
9. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND XXXX INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. DEPTEDXXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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I SENT THIS LETTER TO XXXX XXXX XXXX. Since this debt was originally Charged off by the creditor XXXX XXXX XXXX XXXX charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statute.
XXXX XXXX XXXX CREDIT -DELETE THIS ACCOUNT IMMEDIATELY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXXXXXX XXXX XXXX To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX.
Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY.
I never gave XXXX XXXX, XXXX Any of my information it was SOLD to them by XXXX XXXX XXXX XXXX XXXX which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C . 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safeguard it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX, XXXX Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Since this debt was originally Charged off by the creditor, charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.
Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which i was suppose to receive a 1099-C and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT.
If XXXX XXXX, XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX _________________________________
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06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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On XX/XX/XXXX at XXXX XXXX Eye notified the department of educationXXXX XXXX third party debt collector informing employees to produce the contracts which legally binds the Naturally Living Man owing a debt to corporate entity/corpse legal fiction that has wet ink autograph on it. The employee was informed that the department of education/XXXX XXXX needed to prove that if there was ever such thing as a student loan that proof needs to be provided that such a loan was paid off 180 days pursuant to having surety bonds attached to them. The department of education takes out surety bonds for student loan debt in case the student defaults on the loan. The original note was sold to insurance companies, investors and XXXX XXXX XXXX XXXX. The Social Security Numbers are what the department of education and Universities monetize off the original promissory note which was funded by the student. On XX/XX/XXXX, XXXX XXXX were notified regarding unlawfully furnishing credit reports without authorization or consent by the consumer in allowing so called debt collectors to report fictitious debts to the credit reporting agencies and they continue to uphold misconduct which violates fair credit reporting act which reflects on privacy violations, willful violations and negligent violations. Disputes were filled with Equifax on XX/XX/XXXX and XX/XX/XXXX regarding the same matters by phone. Disputes were filed with XXXX online regarding these same matters during the month of XX/XX/XXXX and all three reporting agencies have not corrected none of these matters which includes fictitious names reported, addresses, false and misleading information written in some foreign language in which they refuse to specify the language that the credit reports are written in. What is the language that these reports are written in? what type font it this according to the grammatical rules of XXXX in the XXXX style manual article XXXX?
The following items was removed from the credit reports after Eye made disputes and just recently an alleged fictitious name written in all uppercase giving off the impression of XXXX XXXX XXXX XXXX XXXX has been removed from Equifax and XXXX XXXX credit reporting agencies. This item had a fictitious amount of {$10000.00}, and employees of this agencies claimed that the amount was owed when in fact that amount is owed to me as the consumer for violations and financial injury done to me by way of identity theft, fraud, corruption, extortion, infringement, involuntary servitude, unjust enrichment, harm to personal and financial reputation, unlawful racketeering, money laundering and uttering forgery 1 public records and counterfeits : XXXX XXXX XXXX XXXX {$870.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$98.00} Equifax-XXXX XXXX XXXX- {$210.00}, XXXX XXXX {$78.00}, XXXX XXXX amount unknown, XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00}, XXXX XXXX {$660.00} and XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX390.00} XXXX XXXX XXXX XXXX {$5900.00}, XXXX XXXX {$660.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
15 usc Subsection 1681 ( e ) ( b ) states that whenever a consumer report agency prepares a consumer report it shall follow the reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 usc 1681 ( c ) -authorized under ( b ) -no consumer reporting agency make any consumer report containing any of the following items information number one case under title II or under the bankruptcy act from the date of entry of the order or the relief or the data education as the case may be annotated the report by many years. Credit reporting agencies can not furnish something they did not receive written consent from the consumer to furnish. This means that Eye didnt give written consent for anything to be on my consumer report so if Eye enroll in school and they furnish a report and Eye never wrote them giving them written permission to have that on my consumer report, thats a violation. Plus Eye didnt sign a contract with the credit reporting bureaus and even still the bureaus are suppose to receive something written the consumer giving them permission to furnish under fair credit reporting. The credit reporting agencies are suppose to investigate anything thats furnished before they even hit a consumer reports. This is why when the consumer disputes something, the consumer is requesting a reinvestigation because it was already supposed to be investigated by law if not thats a fcra violation which is {$1000.00} per violation. So number 1, the credit bureaus didnt investigate in the first place and we know that because if Eye can an inaccuracy in it that means the credit reporting agencies should have saw that and thats their job as consumer reporting agencies. A deletion is admission, when its deleted that means they admitted that they violated it, Eye have to be compensated. Eye never gave permission to have place of employment reported on the credit report and the credit reporting agencies have name of other people listed on the credit reports. The bureaus admitted that they did not investigate when those items were furnished on the credit report. Medical information is not supposed to be furnish on consumer reports and that a Hipaa Violation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thats a hipaa violation. So if your own mom is not allowed to go through or via your medical information thats a hippa violation so why would a third party debt collector have access to it.
Violations : 15 usc 1692-abusive, deceptive and unfair collection practices are fair debt collection practices act violations.
15 usc 1692d-harrassment and abuse that caused high blood pressure, anxiety and built up anger.
15 usc 1602-definitions and rules of construction.
Violations of the Truth in Lending Act.
15 usc 1692f-unfair practices.
15 usc 1692j-furnishing certain deceptive forms.
15 usc 1681-accuracy and fairness of credit reporting.
15 usc 1681c-authorized under section b, a credit reporting agency can not furnish something that they did not receive written consent from the consumer to furnish.
15 usc 1681c-2-block of information resulting from identity theft 15 usc 1692c-communication in connection with the debt collection 15 usc 1681 ( e ) ( b ) -compliance procedures- accuracy of consumer report whenever consumer reporting agency prepares a consumer report they shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
18 usc 1028-fraud and related activity in connection with identification documents, authentication features and information.
18 usc 1341-frauds and swindles.
15 usc 1681b ( 1 ) ( 2 ) -permissible purposes of consumer reports according to 1 ) regarding reporting and furnishing credit reporting properly wheres the court order according to 1 )? If not did Eye give permission according to 2 )? Because if not, 2 is in accordance to the instructions of the consumer. So did Eye give the credit reporting agencies permission or authorization on how Eye wanted or what Eye wanted on the credit report? No. This means that 15 usc 1681n-civil liability for willful noncompliance and 15 usc 1681o-civil liability for negligent noncompliance were violated.
Violation of fair credit reporting act Violation of fair debt collection practices act 15 usc 1692e-false and misleading representation 15 usc 1681m-requirements on users of consumer reports.
42 usc 408-penalties ( selling social security number and altering social security numbers for monetary gain ) 31 cfr 1.32-disclosure of social security number 5 usc 552a-privacy and disclosure of social security number under section 7.
15 usc 1611-criminally liable for willfully and knowing violations 15 usc 1640-civil liability 15 usc 1641-liability of assignees 15 usc 1692k-civil liability 15 usc 1681g-disclosures to consumers 15 usc 1681f-disclosure to government agencies 15 usc 1681q-obtaining information under false pretenses 15 usc 1681r- unauthorized disclosures by officers or employees 15 usc 1681s-2-responsiblilities of furnishers of information to consumer reporting agencies 15 usc 1681h-conditions and form of disclosure to consumers.
15 usc 1681i- procedure in case of disputed accuracy 15 usc 1681c-1- identity theft prevention, fraud alerts and active duty alerts Corruption, infringement, coercion, collusion, intrusion, contravention, involuntary servitude, tax fraud, bank fraud, securities fraud, identity theft, grand larceny, embezzlement , unlawful racketeering, money laundering, wire fraud, computer fraud, unjust enrichment, violation of the plain writing act oXXXX XXXX malfeasance of office, malpractice, treason, perjury, proselytizing, besmirch, usury, barbarity, encroachment, divest, mail fraud, shell gaming, trickery and peonage 18 usc 1038-false information and hoaxes Extortion of legal tender/fiat monopoly which violated 18 usc 208 affecting personal financial interest.
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06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Equifax currently lists an incorrect name for me on my credit report. I have had bad customer service, but also Equifax appears to have lost sensitive personal information that I faxed in. Equifax 's dispute resolution process is deceptive because, although I followed the company 's clear instructions, it has not corrected my file. It is also unfair and abusive because it is taking advantage of the power differential between the company and me, and because the company continues to maintain that I have not taken steps that I have already taken.
On or around XX/XX/XXXX I started a mortgage loan application. My lender pulled my credit report from the 3 major agencies, including Equifax. I was alerted by my lender that they were unable to obtain a my credit report from Equifax and instructed me to call the company.
On or around XX/XX/XXXX, when I called Equifax, I learned that Equifax incorrectly listed my name on their report, which is what resulted in my lender being unable to access the report. This is concerning because -- although I legally changed my name 5 years ago when I married -- I have taken out several loans since then without a problem, and also have several creditors who furnish my current legal name, and those creditors actively furnish to Equifax and are visible on my credit. Equifax also listed an incorrect address. The customer service representative I spoke with initiated the address change dispute on the phone because he said he could verify the address using furnished data. He then instructed me to go to myEquifax.com to use the online dispute process to dispute my name. Immediately after the call I went to myEquifax and attempted to file a dispute, but was told that I could not initiate a dispute because I had just started one.
That day I called Equifax again and the customer service representative with whom I spoke informed me that the first dispute that was started on my phone call prevented me from initiating another dispute for 24 hours and that I needed to wait.
The next day, XX/XX/XXXX, I tried to start a new dispute online to dispute my name. I was able to select my name as the data point that I wished to dispute, fill out a narrative form about the issue, and upload supporting documents. The website stated that a drivers license was sufficient for a name dispute. However, when I attempted to file the dispute I was instructed that the dispute could not be completed online.
Still on XX/XX/XXXX I called the Equifax customer service center again and explained the situation to a representative. The representative advised me that disputes to my name must be submitted my mail or fax and could not be uploaded on myEquifax 's dispute center. The rep indicated that this was because the documents needed to verify this dispute were sensitive, and so could not be uploaded. This is contrary to what I had been told the day before. This also contradicts the online dispute center itself, which allows users to select their name as the data point that they want to dispute using the online portal. At no point, online, does it indicate I could not use the portal. Additionally, the representative told me I would need to submit both my drivers license and my social security card. This also contradicts what the online dispute center states, as it indicates either of those documents would be sufficient. Additionally, ALL documents related to my credit file are sensitive, so it seems arbitrary to decide that name dispute can not be made online but that other types of disputes can be. I made these points to the representative but did not receive any helpful information. Then my call was dropped.
I immediately called the customer service center again and repeated this exercise and eventually received the fax number to submit my documents. The representative also instructed me to include a cover letter explaining my dispute, and to fax the letter and supporting documents to the attention of the Dispute Department.
On Sunday, XX/XX/XXXX, I wrote a cover letter explaining my dispute and made copies of the front and back of my drivers license and of my social security card. I then called the customer service center again to confirm the fax number that I had received was correct, and was told that it was. I wanted to confirm the fax number because I would be sending out sensitive personal information. Specifically, this is the information that someone could use to lift the freeze on my credit file and open new credit accounts in my name. I then faxed the cover letter and supporting documents. I received a confirmation that the fax went through. I have attached the fax confirmation here, which shows the letter and supporting documents.
Within a day or two I was able to see the dispute on myEquifax 's dispute center. The dispute had confirmation number, XXXX, and a date submitted, which was listed as XX/XX/XXXX. It also listed that the dispute was " Completed '' on XX/XX/XXXX. I did not see a change to my name on my credit file.
On or around XX/XX/XXXX I received a letter from Equifax. I have included a copy of the letter here. The letter was dated XX/XX/XXXX and had the same dispute confirmation number : XXXX. The letter purports to give the " results '' of the dispute, which are provided on page 3 of the 4 page letter. The letter states, under a section called " The results of our reinvestigation '' that Equifax 's " conclusions are : PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. '' This is frustrating because I had submitted those very documents on XX/XX/XXXX, along with my cover letter, to which this XX/XX/XXXX letter from Equifax is a direct follow up.
On XX/XX/XXXX I called Equifax again and ask why the do not have the supporting documents I had sent. The customer service rep confirmed the dispute using the XXXX confirmation number, but said that they do not have the documents and that I must send them. I explained that I had already sent them and was concerned that Equifax had apparently lost or misplaced them, given their sensitive nature. The rep said that the company 's fax machine was not working at the time that I faxed in my documents. I said that this could not be true since Equifax clearly received my cover letter disputing my name, since in response to the fax they generated a dispute number and send me the XX/XX/XXXX letter. The rep repeated that it was not possible and that I had to send in the requested documents. She said that the fax issued not being able to read incoming faxes. I replied that clearly they could read my cover letter because Equifax was able to identify the specific issue I wished to dispute and was able to read my name and address, which they used to send me the XX/XX/XXXX letter. The rep also confirmed that IU had used the correct fax number. The customer service rep and I went back and forth about this for several minutes -- her claiming that I could not have faxed the dispute and that I had to send in the supporting documents, and my replying that Equifax clearly received my fax with my cover letter and so asking for an explanation as to why the additional pages of the same fax were apparently lost.
Ultimately it was clear that I was not going to make any progress, so I confirmed the mailing address for the documents and informed the rep that I would be filing a complaint with the CFPB. I plan to mail the documents to Equifax after filing this complaint.
There are several problems with my experience.
First, I am spending a significant amount of time addressing a problem I had no role in creating. I did not chose to have Equifax provide credit data for me, and the company is furnished with accurate data about my name ( and address ).
Second, the myEquifax 's online dispute center clearly indicates that users can open disputes related to their names and can upload supporting documents.
Third, I was given misinformation by the initial customer service representatives when they also told me I could file my dispute online.
Fourth, when I did fax my dispute, Equifax lost of misplaced pages from the fax that contain extremely sensitive personal information. Again, it is clear that they received the fax itself since they used the cover letter that I included to generate a dispute and ask me for supporting information.
Fifth, at each stage, and especially during the XX/XX/XXXX call, the customer service representatives behave as though my experience, the prior information I had been provided, and the steps I took in response to that information, could not be true. The XX/XX/XXXX representative 's repeated response that I could not have faxed the information in on XX/XX/XXXX because the fax wasn't working was inappropriate, given the fact that the reps on XX/XX/XXXX and XXXX instructed me to use the fax and the fact that my fax was clearly received.
Each time I called the customer service center I had to go through a lengthly identification process and automated system before reaching these representatives, which made the entire experience all the more frustrating.
|
07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Please ensure that you, XXXX REPORT to the CRAs any details that need to be communicated, corrected or resolved.
The DO NOT CONTACT remains in place, and as per communications acknowledged by you XXXX. An attachment, that only I can see is not the expected result. If you can substantiate it you are then required to report it.
XXXX account number is missing from Equifax, when derived from XXXX XXXX XXXXXXXX ( spaces intended ). The complaint, is regarding what XXXX reported as - Opened Date XX/XX/2017, Balance XXXX.
For this complaint, and then as allowed I would like both the method of investigation, and then a printed report, mailed to my address of record ( Equifax and XXXX ), and with the results.
This is not a validation of debt. Please do not respond as if it is, your IT departments can help translate the issues outlined in this complaint, logically laid out and for 1 account ( you have 4, and I will do one by one with each CRA ) you - XXXX reported, and Equifax and XXXXXXXX then loads, displays and reports.
This Complaint is about your DATA, XXXX how you chose/design/elect to report it, and specific to FDCPA/FCRA mandates.
This is also about the CRAs. how they accept/load/report the Data XXXX sends. Logical, and as demonstrated, the impact of this activity is the premise of this complaint. Technical reliance on METRO2, and the related FDCPA and FCRA compliance issues, then become the issue.
*****This is MY intellectual/data, including all the attachments and they should be treated in this fashion, proprietary or/and otherwise. I do NOT, authorize any usage outside of this complaint.
I am XXXX XXXX, and I am the author of this dispute. This is NOT a Duplicate complaint, please do not flag it as such. I am not a Credit Repair Organization, nor am I using one I just love the data.
The screenshots/attachments/data within this complaint - are pulled directly from XXXX, MyEquifax.com and XXXX with my PII data validated and ensured, for verification and for access to my own, Credit Reports. As such this experience has allowed me to explore Metro2, its intent, requirements, technical specifications, field definitions and usage and in Credit Reporting, and specific to Debt Collectors and the CRAs.
This complaint is a bit long, and detailed, with some technical details within it. But you are provided with logical, discoverable details and steps to see your data, its end state and its whole state of inaccuracy.
All the companies within this complaint have an IT team, and developers that created/manage the integrations, built/build or maintain the systems, or load the files from Data Furnishers. It is advised that IT assist in your response.
There is an existing complaint against XXXX and the complaint number is XXXX.
That complaint - if read, is/was not a simple request of Validation of Debt, it was detailed, and specific to a complaint to XXXX. and its compliance with Metro2, and its standards - and, then FCRA/FDCPA. While XXXX did make traceable changes in my records at the CRA, they also said that there was nothing wrong, and that they believed that everything was correct. Thank you for that and changing your ( XXXX ) Loan Type from : Factoring Company to Debt Buyer, as it assisted in the decision to dive deep, into the data - it was eye opening.
That data creation, storage, file production and load/reporting stream of activity that occurs, is in fact that of XXXX and EquifaxXXXX. When there is an error in data or a system at least in standard XXXX, the rules that govern Consumer Data/Data Furnishers/CRAs Requirements through to Expected Results, the tasks to resolve are in fact defined. When they are defined, they are the rules. Defects are Traceable and, remedied or not.
I am attaching a few documents that will assist everyone, Legal, IT and the CFPB - with understanding entrance into this complaint. This complaint is segmented, but it is also extremely logical, using the systems of the CRA to demonstrate its data, and what it is is appearing as, and the impact to the algorithms that are used for scoring, summarizing and reporting Midlands data.
1. Attached as CFPB Metro2 - Required by all 3 - Metro2, Directives from XXXX, EQ and XXXX to ONLY send Metro2 Compliant integrations/files 2. Attached then, is Metro 2 - DC Section ( Tech Specification for Metro2 ) defined for Debt Collectors, which specifies the Segments and then Fields or Valid Values that can be sent in compliance with Metro2 3. *****Header and/or Footer is neither keyed, nor specific, to a consumer excluded.
4. Records for Debt Collectors and then identified for consumers are in Segments called/named/labeled Base and K segments, ONLY 5. Do Not Send Metro2 Specifies the Fields or Valid Values that Should NOT ever, be sent to a CRA in compliance with Metro2 6. There is a logical reason why a technical specification, used industry wide would call this out 7. There are a total of 17 ( or so ) identifiers/fields of values, address may extend the fields populated as an example but the record is not extended for the Consumer Debt Collectors record 8. I have mapped the to a TRUE Collection Account EQ and XXXX ( See XXXX Attachment - Tab in attachment XXXX XXXXEquifax Collection ) 9. Both are using the CRAs Verbiage/Directive/Instructions 10. Sample Debt Collectors exist in EQs reports.
11. XXXX says it but, well. Either the documentation is all wrong or, the system is.
12. XXXX is sending fields Do NOT sen
d Metro2 13. Metro2 offers NO Defaults. 14. If you see it in Equifax and XXXX and you are told NEVER to send it 15. XXXX/XXXX/Equifax - You have failed to remedy the end result, that you know is invalid.
I am pasting below, a link to the responsibilities as a Data Furnisher - I am relying on ( XXXX ) XXXX XXXX XXXX? XXXX & XXXX For Federal Law - Definition of a Creditor and then a Debt Collector, I am relying on - 803 ( 4 ) and ( 6 ) XXXX XXXX XXXX Equifax XXXX XXXX. Any algorithm using this data as it is reporting itself - is no doubt producing inaccurate data/results/reports to anyone who has access to this data.
2. Your views demonstrate it ( Equifax/XXXX ) 3. XXXX - is not a Creditor/Lender.
4. XXXX is a Debt Collector 5. The result of all of this - is that XXXX is reporting as a Creditor/Lender, with attributes they are directed NOT to send.
6. XXXX Data sent on their files, are outside of Metro2 Standard ( See Metro2 Mapped DC Tab ).
7. Equifax/XXXX BOTH, have Dedicated Section, for COLLECTION ( See 5. Collections vs. 10. Portfolio Tab and ) 8. That Section Labeled, Described and Published, by Equifax/XXXX - defines it usage for Debt Collectors.
XXXX. That Section is 10. In Equifax published standards fail to be demonstrated by XXXX, in any consumer report/view/profile.
10. XXXX you say there is a Collection Section even with the fields map/match Metro2, but, have deleted/masked/removed it, if it exists somewhere please share it in your response.
11. Those fields are consistent with Metro2 Guidelines when mapped to the accounts details and data you, XXXX have published.
12. I have mapped it its attached, on the Metro Mapped DC Tab 13. Equifax has a Dedicated Section, for Accounts, Tradelines of Creditors and Lenders 14. That Section Labeled, Described and Published, by Equifax -defines it usage for Creditors/Lenders, that section is 5.
15. In that section - 5.2, says 5.2 XXXX ( CLOSED ) 16. The Account is not CLOSED 17. Should XXXXEquifax say it is, where is the Date Closed/Activity Designator that is Required of this TYPE of Account? If its not correct this?
18. Then There is no Account Number EQ Equifax 19. It actually has a Debt to Credit ratio, and at 100 %? It can not because it is not a Creditor.
20. It escapes the Summary views with the CLOSED actually and literally, impossible 21. Account Status as per Metro2 this is an INVALID Value for Debt Collectors 22. Pay History Can not apply to a Debt Collector as there is no contract, and Metro2 forbids this from being sent.
XXXX3. Balance History Can not apply to a Debt Collector as there is no contract, and Metro2 forbids this from being sent. But you, XXXX, send it.
24. Rating History - Can not apply to a Debt Collector as there is no contract, and Metro2 forbids this from being sent. But you, XXXX, send it. Debt to Credit Ratio, Available Credit, Balance, Pay and Rating History - Can not apply to a Debt Collector as Per Metro2 25. Almost every field in the Account Details, can never Apply to a Debt Collector a. Loan Type Can not Apply as Per Metro 2 b. When reporting in this section Creditor Classification is allowing this XXXX XXXX record, to report as a Bank Card -, from a Creditor c. Equifax because you are allowing it its then so impactful, even when paid- the damage is for the duration of the tradeline.
d. Your algorithms pick this up it can be demonstrated.
There is so much more to what is occurring, I will/can demonstrate it, as it is needed.
If it is happening to me it is happening to all and is systematic.
This took me a while to figure out but now I get it.
I hope/know everyone else does/will get it too.
|
01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
XXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX, LL Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXXXXXX - XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
|
08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information that should be on the report is missing
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding several inaccuracies and violations on my credit report, which have caused immense distress and hardship in my life. I am seeking your assistance in enforcing the legal rights granted by the Fair Credit Reporting Act ( FCRA ) and rectifying the significant damage caused by these errors.
I would like to bring to your attention the following violations and inaccuracies, along with the specific FCRA sections and subsections that have been violated : XXXX XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violation : Incorrect personal information on my credit report.
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXXXXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXXXXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violation : Incorrect personal information on my credit report.
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXX | XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX XXXX XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXXXXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX XXXX XXXXXX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX | XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX XXXX XXXX AZ XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violation : Incorrect personal information ( address ) on my credit report.
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXX XXXX XXXX AZ XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violation : Incorrect personal information ( address ) on my credit report.
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information These inaccuracies and unauthorized credit inquiries have had a devastating impact on my financial well-being and overall quality of life. For instance, the incorrect personal information and inaccurately reported late payments have led to denied credit applications and higher interest rates, hindering my ability to secure essential resources for my family 's well-being. Furthermore, the unauthorized credit inquiries have caused unnecessary anxiety and concern, as I have no recollection of authorizing these inquiries and they have unjustly affected my creditworthiness.
This situation has taken an emotional toll on me and my loved ones. The stress and frustration of constantly battling these inaccuracies have impacted my mental health, leaving me anxious and uncertain about my financial future. The inability to secure reasonable credit terms has forced us into challenging circumstances, where we are denied opportunities that we rightfully deserve.
In light of the above, I implore you to take action to enforce the legal rights afforded by the FCRA and compel the concerned creditors to promptly investigate and rectify these errors. I am also kindly requesting the removal of the unverified and inaccurately reported accounts from my credit report, restoring my creditworthiness and affording me the chance to rebuild my financial stability.
I sincerely appreciate your attention to this matter and your commitment to upholding consumer rights. I am hopeful that your intervention will provide the relief and justice that my family and I desperately need.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
|
09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I am XXXX XXXX I am not a third party company. I do not want any XXXX XXXX disputes, I repeat that i am am not open to XXXX XXXX disputes. The Fraudulent accounts I am disputing are XXXX XXXX XXXX XXXX XXXX it seems that my personal information has been leaked in a breach. I am unaware as to if the accounts were part of the breach. I have no prior knowledge. I XXXX XXXX have the right to cite the laws that protect me as a consumer and natural person, and I am exercising my rights as a consumer. Equifax have violated my rights and I have listed them below you have also failed to comply and properly handle the procedure. I have sent previous certified mail to Equifax for a dispute where it has been more than a few months. I have not given Equifax any written consent to furnish information on my consumer report. Pursuant to The Congress FCRA, 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures Also a consumer reporting agency not credit bureau. You are not a credit bureau you're a consumer reporting agency. Now Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, I XXXX XXXX is the consumer and natural person this is not a third party company it is studying how I am able to exercise my rights as a consumer and protect myself as a natural person from a nothing consumer reporting agency who violates my rights as a consumer with no written consent to furnish information on my consumer report without me Pursuant to Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have to have written consent and this is Congress FCRA laws not Equifax laws. No consumer reporting agencies may make any consumer report containing any of the following items of information Except as authorized under subsection XXXX b ), no consumer reporting agency : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. I have stated and have sent in documents to present that the accounts listed XXXX XXXX XXXX XXXX XXXX is 15 U.S. Code 1681c2 - Block of information resulting from identity theft as I presented my documents mailed and faxed you did not honor it and you refused to investigate with XXXX XXXX. I do not want any XXXX XXXX to dispute. You never actually disputed the accounts that I specified as fraudulent. The accounts were removed and placed back onto my consumer report which was a violation and I was not contacted. This has been an on going issue and has cause mental issues in my life and distress. I have not been in the correct mindset as I was during this situation and I have filed a lawsuit enforcing instructions for specified remedy and for punitive damages for the mental state that has been caused by Equifax. I have yet to receive a disclosure of who when where and how the process was accessed. 15 U.S. Code 1681d - Disclosure of investigative consumer reports. ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. As The Congress states here ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and For the final time as I mentioned in several disputes if you allow any information that has been deleted to resurface onto my consumer report it is in fact a violation. Pursuant to FCRA and here is yet another violation. Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Attorneys fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
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04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My name is XXXX XXXX and This is a DISCRIMINATION and DEFAMATION OF CHARACTER complaint PER THE EMAIL THAT WAS SENT TO ME on XX/XX/XXXX from EQUIFAX BREACH SETTLEMENT. This is a adverse action / discriminationvoliation per the XXXX XXXX XXXX settlment for reinbursement of the damages that EQUIFAX caused me and the letter they sent was proof of discrimination.
I tried to resolve the issue .. Equifax/In re Equifax XXXXata Breach Settlement c/o JND Legal Administration violated 1681i and therefore is liable under 1681n.
This email I got on XX/XX/XXXX is clear evidence of discrimination, false and misleading information, adverse action towards the consumer, and willful noncompliance.
I got an email from info@equifaxbreachsettlement.com Subject : Your Equifax Settlement Claim is Incomplete ( You Must Act or Your Claim Will Be Denied ) Your Claim Number : XXXX Dear XXXX XXXX : You filed a claim in the Equifax Data Breach Settlement. To be a Settlement Class Member you must have been one of the approximately 147 million U.S. consumers identified by Equifax whose personal information was impacted by the Data Breach that Equifax announced in XXXX of XXXX. However, according to Equifaxs records, you are not a member of the Settlement Class and are not eligible for Settlement benefits.
If you believe this determination was incorrect, you must provide proof of Class membership. This could include providing confirmation of a previous name you used or the email address where you received Settlement Notice so that we can attempt to locate you in our records.
You must provide proof of Class Membership by XX/XX/XXXX.
If you do not, your claim will be denied without further communication from the Settlement Administrator.
To submit proof of Class Membership, click here.
You can also submit proof of Class Membership by mail postmarked by XX/XX/XXXX. Please make sure to include your full name, mailing address, and Claim Number ( provided above ) and mail it to : Equifax Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX For more information about the Settlement, please visit the Settlement Website at www.EquifaxBreachSettlement.com.
This notice is from the Court-appointed Settlement Administrator ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact JND by email at info@EquifaxBreachSettlement.com, by phone toll-free at XXXX, or by mail at Equifax Data Breach XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX XXXX
Equifax Debt Settlement is violating laws and defaming my character which has caused me alot of damages : The XXXX XXXX Police Department also has a FULL Police Report on File due to what Equifax did with my credit and personal information and a assigned detective by the name of XXXX. XXXX XXXX # XXXX.
I have attached court records verifying I am a verified victim of the Equifax Data Breach of XXXX. All my personal information was stolen and compromised.
I have attached Identity Theft Report and Police Report XXXXwo crimes happened : 1. Cyber criminals took my info from 2. Equifax, Equifax Data Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) I was mislead as a consumer ( UDAAP ) this was the law that was broken Cyber Crime with Equifax Identity Theft with Equifax on XX/XX/XXXX In XX/XX/XXXX, Equifax announced that it had been the victim of a criminal cyberattack on its systems. The attackers gained unauthorized access to the personal information of approximately 147 million U.S. consumers. This information included peoples names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers, credit card numbers, or other personal information.
I was mislead as a consumer ( XXXX ) this was the law that was broken that allows me to have {$20000.00} paid to me due to the Equifax Data Breach. I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : //contactus.equifaxbreachsettlement.com/en/contact In re Equifax Data Breach Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Equifax Claim Number XXXX - claim was received on XX/XX/XXXX I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : //contactus.equifaxbreachsettlement.com/en/contact In re Equifax Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Section 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. It is also my understanding that Under the U.S.C. 1681, ever single one even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations I was harmed because low credit score result in credit denial for quality safe housing which I have a right. Being denied for that quality housing forced me to live in a less favorable neighborhood that force me and my children to have to witness drug use and violent activity. There is a lot of crime in the area and I dont feel safe. I was also denied for an auto loan and having to walk is embarrassing. How does Equifax know that people arent passing my laughing at me and my children which now causes emotional stress.
Identity Stolen Denied XXXX AND XXXX lost XXXX due to XXXX XXXX reporting Denied Unemployment Denied forbearance on school loans Had to pay more for car insurance Had to spend extra money due to suffering and had to have medical treatment due to stress, anxiety, panic attacks, chest pains, and heart palpitations and breathing heavy after I found out I was affected and my personal info had been compromised and or stolen from Equifax.
I was denied mortgages Charged a higher deposit on home rentals Could not finance a vehicle Everything will have to be logged Screenshots of every time I order a credit report Copies of mail Phone calls to credit bureau ( logged ) Notarized affidavit of truth Dr appt for anxiety attacks Identity Theft ( Notarized ) Police Report Refusals for XXXX and loans Refused for jobs and credit applications Turned down for mortgage or credit Talked to counselor for stress ( receipts or proof ) Massage ( receipt ) tense due to you being a victim of your stuff stolen I have attached the following and sent to Equifax Breach Settlemnt via mail with the tracking number # attached to this complaint Receipt attached Police Report FTC Report Notarized Identity Theft Affadavit Notarized Affadavit of Truth My ID Equifax Claim # Court Orders ( XXXX ) XXXX FCRA report Equifax violated the following : 1. 15 USC 1691c 2. 15 USC 1692k 3. 15 USC 1642 4. 15 USC 1681m 5. 12 CFR 1002 15 USC 1681a ( k ) The term " adverse action '' ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) 0f this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title This new complaint will also be sent to Georgia Attorney General, BBB, and other federal entitites so that it is tracked as evidence and that the EQUIFAX DATA BREACH SETTLEMENT is not in compliance with the Judge 's mandatory court order and if my rights continue to being violated and they continue to break the law, I will be forced to take legal actions for actual damages when there has been negligent noncompliance. " Compensatory damages AND Punitive damages. '' Governing Law. This Letter of Intent shall be governed under the laws of the State of Georgia.
Equifax , Inc and its registered agents have played a detrimental role in the death of my credit repuation. Equifax , Inc continuously, willfully and knowingly report inaccuracies have ruinted me credit worthiness, credit standing, credit capacity character and reputation.
Equifax has caused me grave harm, injury and have tremendously violated me pursuant to 15 U.S.C. 1681 ( a ) ( 1 )
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02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have reached out to XXXX, XXXX and XXXX, XXXX XXXX and Equifax about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to Equifax, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint state Attorney Generals complaint in florida consumer protection complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XX/XX/XXXX total {$660.00} XXXX XXXX XXXXXXXX acct XXXX XXXX XX/XX/XXXX XXXX {$400.00} fraud inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXXEQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXXXXXX XXXX XXXX XXXX EQUIFAX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt
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05/26/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I did not see the exact option for my problem so I clicked on what matches the most. However my actual problem is a dispute that I have and Equifax online dispute website does not work fully. I was a victim of identity theft and it is taking me almost a year to get my credit fixed. Equifax is one of the hardest companies to deal with when it comes down to helping a customer that was a victim. I was finally able to get my annual credit report online ( as I have tried several times and due to identity theft I was unsuccessful ) but in XXXX I was able to get it, I noticed that there were some inquires that still remained on my credit report and I contacted the creditor and they stated they were mailing a letter to all XXXX credit bureaus to have them removed and it would take 90 days. I also have the letter they mailed me. 90 days past and it was still on my credit report, so I decided to call Equifax thinking it was an error on their end. The first representative told me no its not Equifax and I need to get back in touch with the creditor so that 's what I did. They assured me it was mailed and handle and that Equifax probably has it noted but it takes time to remove it. Me not knowing the process went with it and called Equifax back again to be told no that 's not true the we do not note and the creditor can either electronically send the letter to them or mail it and then they will delete it. After the back and forth I finally got a supervisor with the creditor and they apologized and stated they will take care of it an of course she stated it could take 4-6 weeks up to 90 days, that did n't sit well with me but anyway okay. I received a letter from the creditor stating they mailed the letter to my creditors to have the inquiries removed. At that time I reviewed my Equifax credit report and on page 2 it states the options I have and if I have additional informatio n or documents ( such as an identity theft report or a letter from the reporting company ) about your dispute to help us resolve it by visiting our website https : //www.ai.equifax.com/CreditInvestigation/home.action. After that it states I can mail or call. I am XXXX and just recently in a XXXX XXXX so mailing or faxing is not an option for me, but online is a wonderful option. I went to put in the website that is listed by Equifax on pag e 2 of my report and the website would route to the Equifax main page not what was in the actual website address I tried it several times and after that I decided to just file a dispute on the main Equifax page. When you click file a dispute another page opens and there is 5 steps Step 1 enter your personal information Step 2 dispute information Step 3 upload documents Step 4 Review & Submit Step 5 Confirmation. All steps work with the exception of Step 3 the most important upload documents. I would be on step 2 place the item I need disputed hit submit and it would skip to step 4. I know websites have glitches and some work better on google chrome vs internet explorer and vice versa so I tried it again on my laptop, again on my desktop, again on my cellphone and then again on tablet all would get to step 2 skip step 3 and go straight to step 4. I even tried d eleting cookies, allowing pop ups and all and I restarted my computer several times. Still nothing at this time its late and Equifax is closed. So today I called and the first representative I got told me there is no w ay to upload documents online that the only way is by mailing or faxing. I advised her that on my credit report page 2 it clearly gives a website and online it states the steps with Step 3 being upload a document. She kept telling me there is no way and I must mail or fax. We went back and forth a few times and I said so you are telling me Equifax is giving customers falsified information? She got extremely quiet and did n't say anything I was like hello, hello, are you there after a few seconds she said something so I asked again is Equifax providing customers falsified information? She stated no and then she said the website could be having problems and since its not working I need to mail or fax it in. I explained to her that I am unable to do that and of course she said sorry a million times and told me there is nothing else that can be done. So I asked her your company does n't have a tech support or online website assistance and she stated she needed to check with her supervisor and I stated to transfer me to her supervisor. The supervisor answered XXXX was her name and of course I had to explain all over and the supervisor stated the only way to dispute with documents is by mail or fax no other way. At that point I was past upset so at this point my voice was louder and I am reading to her exactly what I read to the other representative and of course she apologized and stated that I can do it only however the website is strict and with it being strict its best for me to mail or fax it in. I was like strict what does that mean? The actual site works it just skips fro m 2-4 and 3 is what I really need. She kept saying to me I need to mail and fax even after I told her 3 times I am XXXX and can not mail or fax. I told her this is discrimination and that I 'm filling a complaint because clearly you are not hearing me I can not mail or fax but I can and want to upload my document online if I just submit it without any documentation then your company will say the same thing get with my creditor and I do not want to go through that again. I ask what about a technical support or online support person, she did n't know of any such thing so since I stated I wanted to file a complain she transferred me to this con sumer department I was on hold for an additional 15 minutes and the call routed me back to the main prompts and brought me right back to the dispute department where I got another representative and I explained everything above to him, of course here come the apologies and he stated that the same thing mail or fax even after I told him I was XXXX and could n't. I told him this is discrimination and that if your company could n't provide the service why advertise it as the first thing to do. He had no answer. I also stated how could Equifax not have an IT department or tech support, online support department? That 's crazy that no one can submit a ticket to let the website p eople know that a consumer is having a problem with step 3 on the website. He then stated he will submit a ticket to the IT guys and I asked him has he done this before and he told me yes all the time, however I do n't believe him and I do n't believe he submitted any ticket he wanted to do whatever he had to do to get me off the phone with him. I was on the phone for almost an hour 2 representatives and 1 supervisor and no one could help me and no one took any initiative to provide me any customer service, they kept providing me information that made me feel like they did n't care that I have a XXXX by saying you just need to mail it or fax it. And the guy was like if you fax it I will get a response in 48 ho urs. What part of being XXXX ( XXXX XXXX XXXX recent XXXX XXXX do you, and the previous XXXX people NOT UNDERSTAND!!!! All I want to do is get this FRAUDELENT INQUIRY OFF MY CREDIT REPORT!!! That 's it!!! Why is it so hard to find good help these days and times they all 3 so unded like a robot no one showed any empathy at all. When was the last time someone from Equifax reviewed all the options they say that are available to the customer to see if its still current and working? Yes a lot of people do n't take the time to read the report thoroughly but when they do it should be current and correct. Try typing in this address https : //www.ai.equifax.com/CreditInvestigation/home.action and go through the steps and see what happens. Now since I 've tried it so many times I can no longer access it even though I was told to keep trying and keep trying. I ended up having to send a web email which still did n't let me upload my document. All I wanted was for someone to help me and not tell me to mail it or fax it. I would n't had called if the only options where to mail or fax. And the sad part is I was victim of identity thef t 4 times last year and its taking everything in me to fix my credit. Maybe its my fault that I did n't have an alert on my credit or may be its my fault that I 'm just now checking my credit information. But it was only thanks to XXXX XXXX that I was able to ca tch 3 of the 4 times. All I am asking for is some help I have the letter right here I do n't mine 3 way conference call with the creditor I just want this off my credit report this is not mine. And to think I have 2 other things that I am waiting to get from th e creditor to send to your company if this is any indication of what I will have to go through for the othe r two I do n't know what I am going to do. I 'm upset very upset so there is a possibility that my wording could be off, punctuation wrong and some misspelled words.
|
07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
5. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
6. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
9. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
10. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
11. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
12. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
13. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. XXXX seeking Litigation. Please delete at once.
14. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
15. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
16. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
17. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
18. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
19. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
20. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
21. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
22. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
23. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
24. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
|
11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than XXXX days and again XXXX days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Inquiries Organizations who have obtained a copy of your Credit Report. Inquiries can remain on a credit file for up to XXXX years.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
|
11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within XXXX days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than XXXX days and again XXXX days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I decided to contact each creditor to get debts verified and to ensure everyone is reporting accurately. Here are my findings. You have incorrectly reported account information on my credit report, and I demand it be deleted after being reported incorrectly for four years and being told they were verified and reporting accurately by date furnish. There are no way all three credit reports are right and are using the same data furnisher.
XXXX XXXX XXXX XXXXXXXX ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. XXXX is reporting 7 late payments. According to the Principal & Interest statement only 3 payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE XXXX XXXX FOR REPORTING INACCURATELY!
XXXX XXXX ( Equifax ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My Equifax shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my Equifax it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and XXXX XXXX that shows the last payment was made on XX/XX/XXXX. Equifax is reporting 5 late payments. According to the Principal & Interest statement only 3 payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and Equifax is reporting {$11000.00}. PLEASE REMOVE XXXX XXXX FOR REPORTING INACCURATELY!
XXXX XXXX ( XXXX ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. XXXX is reporting 22 late payments. This account was charged off XX/XX/XXXX, which is stated in letter attached. XXXX is still reporting late payments after XX/XX/XXXX. According to the Principal & Interest statement only 3 payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE XXXX XXXX FOR REPORTING INACCURATELY!
XXXX XXXX ( XXXX ) This account was opened XX/XX/XXXX, according to XXXX XXXX. ( see attached documents ) XXXX has been reporting incorrect opening dates and closing dates. This account passed the seven-year mark since delinquent date in XXXX and is required by law to be removed.
XXXX XXXX ( XXXX ) This account was opened XX/XX/XXXX, according to XXXX XXXX. ( see attached document ) XXXX has been reporting incorrect opening dates and closing dates. This account passed the seven-year mark since delinquent date in XXXX and is required by law to be removed.
XXXX XXXX XXXX ( XXXX ) This debt is reporting incorrect open date and balance per responds from XXXX XXXX. ( proof attached ). PLEASE REMOVE XXXX XXXX XXXX FOR REPORTING INACURRATLEY.
XXXX XXXX ( Equifax ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( proof attached ) The status show XXXX in bankruptcy or included in bankruptcy. The balance is incorrect. Equifax is still reporting 10 late payments. The pay history is being reported inaccurately. PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( proof attached ) The status should not show closed or charged off It should show discharged in bankruptcy. The balance is incorrect. Balance should be XXXX. The creditor is reporting this account as disputing. XXXX is reporting 12 late payments, other bureaus are reporting 8 late payments ( Equifax ). PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX ( Equifax ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) The status should not show closed or charged off It should show discharged in bankruptcy. The balance is incorrect. Balance should be XXXX. The creditor is reporting this account as disputing. XXXX is reporting 8 late payments, other bureaus are reporting XXXX late payments ( XXXX ). PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( XXXX ) XXXX XXXX XXXX responds ( attached ) the account open date is incorrect. XXXX is reporting 61 late payments and Equifax is reporting differently. How are 61 late payments being reported if this account was charged off XX/XX/XXXX according to Equifax? PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( Equifax ) XXXX XXXX XXXX responds ( attached ) the account open date is incorrect. Equifax is reporting differently than XXXX. Equifax is reporting 61 late payments. PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. The balance is incorrect. PLEASE VERIFY OR REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. The balance is incorrect. PLEASE VERIFY OR REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( Equifax ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. The balance is incorrect. PLEASE VERIFY OR REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) XXXX is still reporting late payments on this debt. PLEASE REMOVE FIRST XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( Equifax ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) The status should show discharged in bankruptcy or included in bankruptcy. PLEASE REMOVE XXXX XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX XXXX ( Equifax ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt.
XXXX XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt.
XXXX XXXX XXXX ( Equifax ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt.
XXXX XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt.
XXXX XXXX ( Equifax ) This debt was XXXX in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) The status should show XXXX in bankruptcy or included in bankruptcy. The balance is incorrect. PLEASE REMOVE XXXX FOR REPORTING INCORRECTLY.
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03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Problem getting your free annual credit report
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Web |
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I am writing to dispute the inaccurate reporting of XXXX XXXX XXXX XXXX Account Number XXXX, on my credit report. As per my credit report from XXXX, they reported the Account Type as an Unsecured Loan, while the other two bureaus reported it as an Installment Account. Additionally, XXXX reported the Monthly Payment as {$0.00}, while the other two bureaus did not report it at all. Equifax and XXXX reported the balance as {$0.00}, while XXXX did not report it. Lastly, XXXX reported the No. of Months ( terms ) as 6 Months, while Equifax and XXXX reported it as Monthly. XXXX also reported the Payment Status as Paid, past due 120 days, while Equifax and XXXX reported it as paid or paying as agreed.
I believe that XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) under the following sections and subsets : Violation 1 : Inaccurate Account Type reporting by XXXX - reporting an unsecured loan instead of an installment account reported by other bureaus.
Code : 15 U.S. Code 1681e Subset : 1681e ( b ) Violation 2 : Incomplete Monthly Payment reporting by XXXX and the other XXXX bureaus not reporting.
Code : 15 U.S. Code 1681s-2 Subset : 1681s-2 ( a ) ( 2 ) ( A ) Violation 3 : Inconsistent No. of Months reporting by XXXX reporting 6 months while Equifax and XXXX are reporting Monthly.
Code : 15 U.S. Code 1681c Subset : 1681c ( a ) ( 1 ) Violation 4 : Inaccurate Payment Status reporting by XXXX - reporting as paid past due 120 days while XXXX and Equifax are reporting paid or paying as agreed.
Code : 15 U.S. Code 1681i Subset : 1681i ( a ) ( 5 ) ( A ) Therefore, I request that XXXX XXXX XXXX XXXX removes these unverified collection accounts from my credit report immediately. I also urge you to take appropriate enforcement action against XXXX XXXX XXXX XXXX for their violations of the FCRA.
XXXX XXXX XXXX XXXX XXXX XXXX ) has reported to the credit reporting agencies regarding my account with them. Specifically, I am concerned about the inaccuracies in the reporting by XXXX and Equifax, which have resulted in negative impacts on my credit score and my ability to access credit.
According to XXXX, my account type is listed as an unsecured loan, while Equifax reports it as an installment account. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report accurate and complete information about consumers ' credit accounts. The specific code and subset that have been violated are 15 U.S. Code 1681e and 1681e ( b ), respectively.
Furthermore, XXXX failed to report the balance on my account, while Equifax reported a {$0.00} balance. This incomplete reporting is also a violation of the FCRA, specifically 15 U.S. Code 1681s-2 and 1681s-2 ( a ) ( 1 ) ( A ).
Lastly, XXXX reported that my account was paid past due 90 days without notifying me, while Equifax reported the account as " Too new to rate ; Approved but not used. '' This inaccurate reporting is a violation of the FCRA, specifically 15 U.S. Code 1681i and 1681i ( a ) ( 5 ) ( A ).
The account in question is with XXXX XXXX XXXX and the account number is XXXX. XXXX has reported this account as charged off without notifying me, while the other two bureaus did not report the account as charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ).
This inaccurate reporting has had a devastating effect on my life. I have been struggling to get a loan for my business due to this negative mark on my credit report. I have been working hard to rebuild my credit and pay off my debts, but this inaccurate reporting by XXXX has made it much harder for me to achieve my goals.
I believe that the inaccurate reporting of this account by XXXX is a violation of the FCRA, specifically Code 15 U.S. Code 1681i and Subset 1681i ( a ) ( 5 ) ( A ). I request that you investigate this matter and take the appropriate legal action to ensure that this violation is enforced.
XXXX XXXX XXXX ( XXXX ) and the credit reporting agencies, XXXX, Equifax, and XXXX.
Firstly, XXXX is reporting my account type as an auto loan, while Equifax and XXXX are reporting it as an installment account. This is a clear violation of the Fair Credit Reporting Act, specifically Code 15 U.S. Code 1681e, Subset 1681e ( b ), which requires accurate reporting of consumer credit information.
Secondly, XXXX is failing to report my balance while XXXX is reporting a {$0.00} balance. This is a violation of Code 15 U.S. Code 1681s-2, Subset 1681s-2 ( a ) ( 1 ) ( A ), which requires complete and accurate reporting of consumer credit information.
Lastly, XXXX is reporting my payment status as paid past due 30 days, while XXXX and Equifax are reporting it as " Paid or paying as agreed ''. I have never received any notification from XXXX regarding this payment status, and they have not provided any paperwork to support this claim. This is a violation of Code 15 U.S. Code 1681i, Subset 1681i ( a ) ( 5 ) ( A ), which requires accurate reporting of payment information and notification to the consumer of any negative information reported.
XXXX XXXX ( account number XXXX ) and the inaccurate information reported by XXXX, Equifax, and XXXX.
Firstly, the account type reported by XXXX as " Unsecured Loan '' is inaccurate and differs from the " Installment account '' reported by the other two bureaus. This inconsistency has caused confusion and negatively impacted my credit score.
Additionally, XXXX and Equifax failed to report the credit limit while XXXX reported a {$0.00} credit limit, which is incomplete reporting and violates the Fair Credit Reporting Act.
Moreover, there are discrepancies in the payment status reported by the three credit bureaus. XXXX reported the account as " Paid, was past due 30 days '' multiple times without notifying me, while Equifax reported it as " Not more than two payments past due '' and XXXX reported it as " 60 days past due ''. These inconsistencies have caused me undue stress and anxiety as I have been diligently making my payments on time.
XXXX XXXX ( XXXX ) on my credit report. I am particularly concerned with the violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX and its reporting agencies, XXXX and Equifax.
Firstly, XXXX XXXX has inaccurately reported the account type of my credit card on XXXXXXXX XXXX report as a secured credit card, while Equifax has reported it as a revolving account. This conflicting information is causing confusion and inconsistencies in my credit report.
Secondly, XXXX has failed to report the balance of my credit card, while Equifax has reported a balance of {$0.00}. This incomplete reporting is negatively affecting my credit score and making it difficult for me to obtain credit.
Thirdly, XXXX has inaccurately reported my payment status as past due 30 days multiple times without notifying me. In contrast, Equifax has reported that I pay the account as agreed. These conflicting reports are affecting my creditworthiness and making it difficult for me to access loans and other financial products.
Lastly, XXXX has reported a last reported date of XX/XX/XXXX, while Equifax reported XX/XX/XXXX. This inaccurate reporting is causing discrepancies in my credit report, making it difficult for me to understand my credit history.
dispute the information that has been reported on my credit report by XXXX regarding an alleged open account with XXXX, the original creditor being XXXX XXXX XXXX XXXX ( account number XXXX ). The information reported is inaccurate and has caused significant harm to my credit score, as well as my ability to obtain credit in the future.
XXXX reported that I had an open account with XXXX, however, I have not received any written notice of this account being open. Additionally, XXXX failed to provide any verification or documentation of the debt, which is a violation of the Fair Debt Collection Practices Act. Furthermore, XXXX reported the account as " placed for collection '' without providing me with any prior notice of this action.
This inaccurate and incomplete reporting has had a significant impact on my life. I have been denied credit and have been subject to higher interest rates due to this erroneous information on my credit report. This has made it difficult for me to obtain financing for important purchases, such as a new car or a home. I have worked hard to maintain a good credit score, and the inaccurate information reported by XXXX has made this task more challenging than it should be.
I am requesting that XXXX remove this unverified collection account from my credit report immediately. I am also requesting that they take all necessary steps to correct any inaccuracies or errors on my credit report in accordance with federal law. I urge you to take swift action to enforce these legal violations to ensure that I am not unfairly penalized for inaccurate reporting.
Thank you for your attention to this matter.
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12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This complaint is against Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al and the Presidents/CEO/Acting CEO/Presidents and or Successors, Assigns, Agents, and Representatives. We are FEDERALLY PROTECTED CONSULMERS. Our credits report ( s ) AND file ( s ) have erroneous reporting from Equifax/Equifax Information Services LLC et al | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al. We have been advised that CREDIT REPORTING is a form of collection strategy and we DEMAND that ALL credit reporting CEASE IMMEDIATELY Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al and acting CEO/Presidents, et al are in direct violation of 15 USC 1692 e ( 8 ). We never received an initial communication from Equifax, Equifax Information Services LLC, et al, which means they are in direct violation of 15 USC 1692 G ( a ) ( b ). We have NO CONTRACTS, AGREEMENTS, NO ACCOUNTS, NOR BUSINESS RELATIONSHIP and or AFFILIATIONS or PARTNERSHIPS, etc. with Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl ; NOR DO WE WANT ( DO NOT WANT ) TO CONTRACT AND OR CONSENT WITH Equifax/Equifax Information Services LLC et XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX al, or their BUSINESS RELATIONSHIPS and or AFFILIATIONS or PARTNERSHIPS ; nor any of the corporate names they hide behind, nor do i want to contract Equifax/Equifax Information Services LLC et al | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al. We are not a consumer of Equifax/Equifax Information Services LLC et al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al and never was. We are not a customer nor patron Equifax/Equifax Information Services LLC et al | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and never was, and Equifax/Equifax Information Services LLC et al | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor have we ever been. We do not want to enter in to any binding contracts, agreements, or consents with Equifax/Equifax Information Services LLC et al | XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt al. We never consented nor gave express permission in any form to Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al to use or be in possession of any of our NON-PUBLIC PRIVATE/PERSONAL INDENTIFYING SOURCE DATA AND INFORMATION. This is a clear VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. To be very clear, we DO NOT accept Equifax/Equifax Information Services LLC et al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al offers to contract. We DO NOT consent to ANY non-affiliated third-party ( Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be in possession of of our NON-PUBLIC PERSONAL AND PRIVATE INFORMATION. Equifax/Equifax Information Services LLC et al XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated and is violating the laws and regulations pursuant to 15 USC 1692 and violating our rights since the very first time they received and came into possession of my non-public private and personal information, since the year XXXX XXXX XXXX XXXX XXXX to present day.
Due to the nature of these multiple illegal and unlawful violations against us, Equifax/Equifax Information Services LLC et al XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, we are DEMANDING {$11000.00} PER VIOLATION FOR EVERY MONTH AND YEAR IN VIOLATION.
Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al has harmed us. Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has/is caused/causing financial hardships, health ailments, financial losses, emotional stress, mental distress, many missed nights of sleep, loss of credit opportunities to purchase consumer goods and services, etc. By us BEING DENIED CREDIT due to derogatory INTENTIONALLY FALSE INFORMATION with the consumer reporting agencies/Credit Reporting Agencies or other consumer reporting companies/agencies. I HAVE NO CONTRACT CONTRACT WITH Equifax/Equifax Information Services LLC et al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I HAVE NO LAWFUL NOR LEGAL OBLIGATIONS to even communicate with Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
BE IT KNOWN NOW AND FOREVER, this is NOTICE TO Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CEASE AND DECIST ALL UNLAWFUL AND ILLEGAL ACTIVITIES IMMEDIATELY. THIS IS NOT A REQUEST. THIS IS A LAWFUL DEMAND. THIS IS ALSO NOT A REQUEST FOR VERIFICATION, VALIDATION or ANY OTHER FORM OF REQUEST. THIS IS A NOTICE OF BOGUST DEBT. The matter has NOW BECOME VERY CLEAR that Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX obtained/PAID FOR our NON-PUBLIC PRIVATE PERSONAL INFORMATION WITHOUT OUR LEGAL AND LAWFUL EXPRESS P RIOR WRITTEN AUTHORIZATION and this constitutes AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028 A. Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also know that in the XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY.
This complaint also applies and includes all other consumer credit reporting/consumer reporting, public reporting, and data mining companies. The following companies but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES U
NDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly D
ELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my break
down.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX CT XXXX XXXX, CA XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX - This is not my name. Delete it immediately from my report.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX, XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : 23 CORPORATE XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. XXXX, LLC Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including you
r Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of XXXX XXXX 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX XXXX
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12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, NY XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXX XXXX and Equifax on any of my consumer report to provide and exchange any information to each other.
Equifax is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
Account Name Acoount Number XXXX XXXX XXXX - DELETED INDEFINITELY AND IMMEDIATELY.
A year ago I sent Equifax a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
This account is not with XXXX XXXX anymore they have sold the account to a collection agency XXXX XXXX is reporting incorrect across all 3 credit reporting agencies XXXX, XXXX, Equifax XXXX say I opened account on XXXX. XXXX DELETED this account indefinitely and Equifax says I opened account on XXXX. XXXX. The balances are being reported incorrectly XXXX and XXXX says XXXX. Equifax is a reporting XXXX. This account is being reported incorrectly across all credit reporting agencies XXXX, XXXX XXXX, Equifax with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, Equifax is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX XXXX or Equifax, the permission. I RESCINED any permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge a year ago Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. Equifax is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. Equifax IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXX XXXX or Equifax to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX by law is suppose to send me a 1099-C so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. Equifax and XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice Equifax and XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that Equifax and XXXX XXXX is abusing and violating.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off for false and misleading reporting Respectfully, XXXX XXXX
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10/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
1. Both Equifax and XXXX XXXX XXXX has refused, TWICE, to protect my Rights as a consumer and to comply with the requirements of the FCRA, FACTA, and others. Their negligent non-compliance is causing me unnecessary harm and damage. I have just received a letter of denial of employment for a high paying job. This lost opportunity and loss of income could have been prevented if they had acted in Good Faith and performed their required duties.
2. Below you will find the specific accounts, with specific details, of the multiple violations Equifax and XXXX XXXX XXXX refuse to delete from my credit report. I ask for your help and assistance to hold them accountable for their non-compliance and the unnecessary harm and injury they continue to cause.
AS WAY OF BACKGROUND 3. XX/XX/XXXX : I presented my initial dispute to Equifax due to several inaccurate, incomplete and erroneous accounts they are reporting on my credit report. I requested that they verify the information they are reporting, provide proof of their results, and also to correct each violation or delete it off my credit report.
4. XX/XX/XXXX : Equifax submitted their response to my request, stated they verified each account, and continue to report the numerous violations causing me more harm and damage. In addition, although I presented a written request for Equifax to provide and deliver any proof and documentation they collected during their investigation, they refused to provide even a single document or any information whatsoever.
5. XX/XX/XXXX : I presented a debt validation letter directly to XXXX XXXX XXXX requiring the production of a true and certified audit trail for the accounting of their alleged debt ; proof of lawful, proper and timely delivery of any and all required Legal Notices ; proof of the commercially reasonable manner of the resale of the alleged subject vehicle ; and proof that all allowable redemption and cure time limits were strictly adhered to, amongst other things.
6. XX/XX/XXXX : XXXX XXXX XXXX submitted a very generic, uncertified Statement of Account that is BACKDATED to XX/XX/XXXX, and they refused to provide even one of the specific documents required to validate their alleged debt or show proof of their required Legal Notices.
7. XX/XX/XXXX : I mailed a Notice of Default and Right to Cure to XXXX XXXX via the USPS, Certified Mail, Return Receipt requested.
8. XX/XX/XXXX : XXXX XXXX XXXX signed for and received the Notice of Default and Right to Cure, and they have refused to response in any manner whatsoever. Yet they still report their violations on my report.
9. XX/XX/XXXX : I presented a second dispute to Equifax to inform them the accounts they claimed to verify, were still reporting information in violation of the FCRA. Since Equifax claimed the information was already previously verified, I did not request another verification. Instead, I demanded each of the accounts in violation to be deleted in their entirety. ALSO, I made a SECOND request, in writing, for Equifax to provide and deliver to me a copy of any documentation and information they collected and used during their investigation. ( SEE ATTACHED DISPUTE ) 10. XX/XX/XXXX : Equifax refused to delete the accounts reporting in violation, and they continue to cause me harm and damage. Plus, Equifax still refuses to produce, provide or deliver even a single document or any form of information from their investigation ( as I required in writing a SECOND time ).
OFFICIAL COMPLAINT 11. VIOLATIONS ON BANKRUPTCY ( REFERENCE # : XXXX ) a. XX/XX/XXXX : I presented an on-line request to XXXX to place a Security Freeze on any and all reports and releases of information, associated with my name and social security number, that they provide to any third-party source, company or affiliate.
b. XX/XX/XXXX : XXXX submitted response and confirmation of my requested Security Freeze along with a Personal Identification Number ( PIN ), which is required for me to lift the Security Freeze if and when I so desire to lift the freeze. ( SEE ATTACHED CONFIRMATION ) c. EQUIFAX LIED about their reinvestigation and verification. They state above that they verified my disputed information with XXXX on XX/XX/XXXX. HOWEVER, the Security Freeze was placed with XXXX on XX/XX/XXXX prohibiting any information to be released to any third-party. This freeze has NEVER been lifted since it was activated.
d. I called the courthouse they listed above and requested a copy of any records they have associated with my name and social security number ( if any ) ; and was told they will not release or acknowledge to me, or any other third-party, any documentation or information via telephone, e-mail, fax or U.S. mail.
e. Equifax refuses to comply with the laws they are bound by, refuses to delete this incorrect information, refuses to verify it directly from the original source, and has LIED to me to cover up for their negligent non-compliance.
12. VIOLATIONS ON XXXX ( ACCOUNT # : XXXX ) a. CURRENT STATUS : The Current Status reports as Over 120 Days Past Due Mortgage. This account is reporting incorrect information and is in violation.
i. BALANCE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have a {$0.00} balance due?
ii. PAST DUE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} dollars past due?
iii. SCHEDULED PAYMENT AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} scheduled payment?
iv. ADDITIONAL INFORMATION : Reports account Transferred or Sold. How can I be 120-days past due on a CLOSED account that was Transferred or Sold to another creditor?
XXXX Equifax refuses to report the creditor this account was transferred or sold to, as is required.
XXXX Equifax refuses to report the Date of Last Activity as required by law.
13. VIOLATIONS ON XXXX XXXX ( ACCOUNT # : XXXX ) a. CURRENT STATUS : The current status reports as currently Over 120 Days Past Due Mortgage. This account is reporting incorrect information and is in violation.
i. BALANCE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have a {$0.00} balance due?
ii. PAST DUE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} dollars past due?
iii. SCHEDULED PAYMENT AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} scheduled payment?
iv. ADDITIONAL INFORMATION : Reports account Transferred or Sold. How can I be 120-days past due on a CLOSED account that was Transferred or Sold to another creditor?
b. They refuse to report the creditor this account was transferred or sold to, as required by law.
c. They refuse to report the Date of Last Activity, as required by law.
14. VIOLATIONS ON XXXX XXXX XXXX ( ACCOUNT # : XXXX ) a. It is a violation for a creditor to report a deficiency balance unless all the required legal notices were properly and timely served, and all the allowed redemption and cure time limits were strictly adhered to.
b. XXXX XXXX refused to validate their alleged debt by certified accounting and failed to produce even one of the required Legal Notices, Resale Notices, Redemption Notices, or any other documentation.
c. BALANCE AMOUNT : They are reporting a balance of {$7800.00} even after refusing to produce proof of a single Legal Notice or certified accounting.
d. AMOUNT PAST DUE : They are reporting a past due amount of {$7800.00} even after refusing to produce proof of a single Legal Notice or certified accounting.
e. CHARGE-OFF AMOUNT : They are reporting a charge-off amount of {$7800.00} even after refusing to produce proof of a single Legal Notice or certified accounting.
f. SCHEDULED PAYMENT AMOUNT : They report a scheduled monthly payment of {$77.00} dollars on a closed, charged off account, with no payment agreement whatsoever. How can they report a monthly payment on a closed / charged off account?
g. DATE OF LAST ACTIVITY : They refuse to report the Date of Last Activity, as required by law.
h. ACCOUNT HISTORY WITH STATUS CODES : They continue to update and report this account as late each and every month even though it is closed and charged off, and it has no monthly payment to be late on.
15. VIOLATION FOR REFUSAL TO PROVIDE DOCUMENTATION/INFORMATION/CONTACTS : a. Refused to provide any supporting documentation obtained/used in their investigation.
b. Refused to provide any information obtained/used in their investigation.
c. Refused to provide any names or contact information obtained/used in their investigation.
d. Refused to disclose the name of their employee or representative who completed the investigation.
RESOLUTION 16. To RESOLVE this complaint, I demand Equifax and XXXX XXXX XXXX to remove each of these violating accounts, delete them from my credit report immediately, and stop the harm and damage they are causing me.
*** END OF COMPLAINT ***
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08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I just received my investigation results. Experian report and saw some accounts were verified. However, I have a few questions : How did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate? This is grounds for removal.
One more thing, I was reading the FCRA and noticed you VIOLATED these laws along with my rights as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
15 USC 1681 Section 603 ( 3 ) ( E ) State ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 USC 1 [ 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
15 USC 1681 ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX XXXX consumer, and natural person, am aware of all of the rights I have, which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
1. Account Name : XXXX, XXXX.
Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
2. Account Name : XXXX XXXX XXXX Account Number : XXXX USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
3. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
4. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
5. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
6. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
7. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
8. Account Name : XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
9. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
10. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
11. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
12. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
13. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
14. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
15. Account Name : XXXX/XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
16. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
17. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
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12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On or about XX/XX/XXXX, I filed a complaint with the CFPB regarding the improper reporting of a credit account on my credit report by XXXX XXXX who was attempting to collect an alleged debt for an account I formerly held with XXXX XXXX XXXX. The outcome of that complaint resulted in the removal of XXXX XXXX ( a non-affiliate ) from all of my credit reports. After further consideration of the laws afforded to me as a federally protected person, XXXX XXXX ( a non-affiliate ) and XXXX XXXX XXXX owe me remedies, as afforded to me through federal and state law, for improperly reporting my credit account to the three Credit Reporting Agencies ( XXXX ), Equifax ( a non-affiliate ), XXXX ( a non-affiliate ), and XXXX ( a non-affiliate ) ; sharing my personal information between XXXX XXXX XXXX, the XXXX ( non-affiliates ) and XXXX XXXX ( a non-affiliate ) without my expressed written consent ; selling my personal information without my written consent to a non-affiliate ( i.e. XXXX XXXX ) ; misrepresentation of facts by alleging and communicating to me that a debt was owed to XXXX XXXX ( a non-affiliate ) on behalf of XXXX XXXX XXXX when XXXX XXXX ( a non-affiliate ) willingly and knowingly " purchased the debt '' from XXXX XXXX XXXX thus nullifying any alleged debt to XXXX XXXX XXXX ; and, damaging my credit report and credit reporting history by reporting this alleged debt to the XXXX which misrepresented my creditworthiness and caused me financial and material damages as it prevented me from obtaining a more favorable credit rating ultimately resulting in me being denied credit, having a lower available credit line, and/or having a higher interest rate on certain lines of credit. The specific violations of law committed by XXXX XXXX ( a non-affiliate ) and XXXX XXXX XXXX are, but are not limited to : The Privacy Act of 1974 and 15 USC 1681 ( 4 ) which states that I have the right to privacy.
15 USC 1681 which states that there must be a permissible purpose for this information to be shared 15 USC 1681a which provides for the definitions and rules of construction where specifically subsection ( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title... Both XXXX XXXX XXXX and XXXX XXXX ( a non-affiliate ) failed to meet and/or adhere to any of these definitions and violated my federally protected rights when they engaged in a monetary transaction to buy and sell my personal and financial information.
15 USC 1681b which states that there must exist a permissible purpose and that ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Neither XXXX XXXX XXXX nor XXXX XXXX ( a non-affiliate ) obtained my written instructions.
15 U.S. Code 1681q - Obtaining information under false pretenses - In the attached letter from XXXX XXXX XXXX, it states that XXXX XXXX had no knowledge of how XXXX XXXX ( a non-affiliate ) obtained my information nor that they were attempting to collect any alleged debt from me. However, in XXXX XXXX 's ( a non-affiliate ) response letter to the complaint filed with the CFPB on or about XX/XX/XXXX, XXXX XXXX asserts that they " purchased '' the " debt '' from " XXXX XXXX Bank ''. Thus, the XXXX ( XXXX ) letters conflict in how XXXX XXXX obtained my personal information which was under XXXX XXXX 's fiduciary and material care from approximately XXXX to XXXX. This also means that XXXX XXXX ( a non-affiliate ) may have obtained my personal information under false pretenses and/or stole my information from XXXX XXXX XXXX , and/or XXXX XXXX XXXX was XXXX in protecting my personal information. This also means that either XXXX XXXX XXXX and/or XXXX XXXX is in violation of 15 USC 1681r , which is punishable by a fine under title 18 and/or no more than 2 years in XXXX.
! 5 USC 1681 s-3 affiliate sharing. XXXX XXXX XXXX, the XXXX, and XXXX XXXX ( a non-affiliate ) have all violated this code as XXXX XXXX and the XXXX are non-affiliates to XXXX XXXX XXXX, and one another. None of these companies had the legal right to share my information and violated this code.
15 USC 1692b Acquisition of location, under abusive debt practices, states Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) not state that such consumer owes any debt ; ( XXXX ) not communicate by post card ; ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. XXXX XXXX ( a non-affiliate ) did violate this code by committing these acts.
XXXX XXXX ( a non-affiliate ) also violated 15 USC 1692c ( a ) Communication with the consumer which states that generally, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties which states ; Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX XXXX ( a non-affiliate ) violated this code when it reported to the XXXX, my alleged debt with XXXX XXXX XXXX negatively affecting my credit score and overall creditworthiness.
XXXX XXXX violated 15 U.S. Code 1692e and 15 USC 1681q- False or misleading representations by communicating that they had the legal right to collect any alleged debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX also violated this code by asserting that a debt was still owed to XXXX XXXX XXXX, when in fact XXXX XXXX had purchased the debt making the debt owed to XXXX XXXX XXXX " void '', " cancelled '', " redeemed '', and/or otherwise " paid in full ''. I had/have no contractual obligation to XXXX XXXX and have not, nor am currently engaged in any financial or other transaction with XXXX XXXX XXXX Thus XXXX XXXX falsely and misleadingly attempted to construct a contract where none existed.
Due to these numerous violations of my federally protected rights, I am seeking federal and state remedies afforded to me under the governing laws and codes against the aforementioned companies.
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12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX XXXX have given to XXXX XXXX XXXX and Equifax on any of my consumer report to provide and exchange any information to each other.
Equifax is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
Account Name Acoount Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETED INDEFINITELY AND IMMEDIATELY.
A year ago I sent Equifax a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
XXXX deleted this account indefinitely.
This account is not with XXXX XXXX XXXX anymore they have sold the account to a collection agency XXXX XXXX XXXX XXXX XXXX Account # XXXX WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, XXXX XXXX, Equifax with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, Equifax is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX XXXX XXXX or Equifax, the permission. I RESCINED any permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge a year ago Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXX XXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. Equifax is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. Equifax IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXX XXXX XXXX or Equifax to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX XXXX by law is suppose to send me a 1099-C so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. Equifax and XXXXXXXX XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice Equifax and XXXXXXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that Equifax and XXXX XXXXXXXX XXXX is abusing and violating.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off for false and misleading reporting Respectfully, XXXX XXXX
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02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. CO CHILD SUP Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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My name is XXXX XXXX and This is a DISCRIMINATION and DEFAMATION OF CHARACTER complaint PER THE EMAIL THAT WAS SENT TO ME on XX/XX/XXXX from EQUIFAX BREACH SETTLEMENT. This is a adverse action / discriminationvoliation per the Judges Court Order settlment for reinbursement of the damages that EQUIFAX caused me and the letter they sent was proof of discrimination.
I tried to resolve the issue .. Equifax/In re Equifax Data Breach Settlement c/o JND Legal Administration violated 1681i and therefore is liable under 1681n.
This email I got on XX/XX/XXXX is clear evidence of discrimination, false and misleading information, adverse action towards the consumer, and willful noncompliance.
I got an email from XXXX Subject : Your Equifax Settlement Claim is Incomplete ( You Must Act or Your Claim Will Be Denied ) Your Claim Number : XXXX Dear XXXX XXXX : You filed a claim in the Equifax Data Breach Settlement. To be a Settlement Class Member you must have been one of the approximately XXXX XXXX U.S. consumers identified by Equifax whose personal information was impacted by the Data Breach that Equifax announced in XXXX of XXXX. However, according to Equifaxs records, you are not a member of the Settlement Class and are not eligible for Settlement benefits.
If you believe this determination was incorrect, you must provide proof of Class membership. This could include providing confirmation of a previous name you used or the email address where you received Settlement Notice so that we can attempt to locate you in our records.
You must provide proof of Class Membership by XX/XX/XXXX.
If you do not, your claim will be denied without further communication from the Settlement Administrator.
To submit proof of Class Membership, click here.
You can also submit proof of Class Membership by mail postmarked by XX/XX/XXXX. Please make sure to include your full name, mailing address, and Claim Number ( provided above ) and mail it to : Equifax Data Breach Settlement c/o JND Legal Administration XXXX XXXX XXXX XXXX, WA XXXX For more information about the Settlement, please visit the Settlement Website at www.EquifaxBreachSettlement.com.
This notice is from the Court-appointed Settlement Administrator ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact JND by email at XXXX, by phone toll-free at XXXX, or by mail at Equifax Data Breach Settlement , c/o JND Legal Administration, XXXX XXXX XXXX, XXXX, WA XXXX XXXX
Equifax Debt Settlement is violating laws and defaming my character which has caused me alot of damages : The XXXX XXXX Police Department also has a FULL Police Report on File due to what Equifax did with my credit and personal information and a assigned detective by the name of XXXX. XXXX XXXX # XXXX.
I have attached court records verifying I am a verified victim of the Equifax Data Breach of XXXX. All my personal information was stolen and compromised.
I have attached Identity Theft Report and Police Report Two crimes happened : 1. Cyber criminals took my info from 2. Equifax, Equifax Data Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) I was mislead as a consumer ( UDAAP ) this was the law that was broken Cyber Crime with Equifax Identity Theft with Equifax on XX/XX/XXXX In XX/XX/XXXX, Equifax announced that it had been the victim of a criminal cyberattack on its systems. The attackers gained unauthorized access to the personal information of approximately XXXX XXXX U.S. consumers. This information included peoples names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers, credit card numbers, or other personal information.
I was mislead as a consumer ( UDAAP ) this was the law that was broken that allows me to have {$20000.00} paid to me due to the Equifax Data Breach. I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : XXXX In re Equifax Data Breach Settlement c/o JND Legal Administration XXXX XXXX XXXX XXXX, WA XXXX XXXX Equifax Claim Number XXXX - claim was received on XX/XX/XXXX I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : XXXX In re Equifax Data Breach Settlement c/o JND Legal Administration XXXX XXXX XXXX XXXX, WA XXXX Section 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. It is also my understanding that Under the U.S.C. 1681, ever single one even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations I was harmed because low credit score result in credit denial for quality safe housing which I have a right. Being denied for that quality housing forced me to live in a less favorable neighborhood that force me and my children to have to witness drug use and violent activity. There is a lot of crime in the area and I dont feel safe. I was also denied for an auto loan and having to walk is embarrassing. How does Equifax know that people arent passing my laughing at me and my children which now causes emotional stress.
Identity Stolen Denied EIDL AND PPP lost XXXX due to XXXX credit reporting Denied Unemployment Denied forbearance on school loans Had to pay more for car insurance Had to spend extra money due to suffering and had to have medical treatment due to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX and XXXX XXXX after I found out I was affected and my personal info had been compromised and or stolen from Equifax.
I was denied mortgages Charged a higher deposit on home rentals Could not finance a vehicle Everything will have to be logged Screenshots of every time I order a credit report Copies of mail Phone calls to credit bureau ( logged ) Notarized affidavit of truth Dr appt for XXXX attacks Identity Theft ( Notarized ) Police Report Refusals for PPP and loans Refused for jobs and credit applications Turned down for mortgage or credit Talked to counselor for stress ( receipts or proof ) Massage ( receipt ) tense due to you being a victim of your stuff stolen I have attached the following and sent to Equifax Breach Settlemnt via mail with the tracking number # attached to this complaint Receipt attached Police Report FTC Report Notarized Identity Theft Affadavit Notarized Affadavit of Truth My ID Equifax Claim # Court Orders ( 2 ) UDAAP FCRA report Equifax violated the following : 1. 15 USC 1691c 2. 15 USC 1692k 3. 15 USC 1642 4. 15 USC 1681m 5. 12 CFR 1002 15 USC 1681a ( k ) The term " adverse action '' ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) 0f this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title This new complaint will also be sent to Georgia Attorney General, BBB, and other federal entitites so that it is tracked as evidence and that the EQUIFAX DATA BREACH SETTLEMENT is not in compliance with the Judge 's mandatory court order and if my rights continue to being violated and they continue to break the law, I will be forced to take legal actions for actual damages when there has been negligent noncompliance. " Compensatory damages AND Punitive damages. '' Governing Law. This Letter of Intent shall be governed under the laws of the State of Georgia.
Equifax , Inc and its registered agents have played a detrimental role in the death of my credit repuation. Equifax , Inc continuously, willfully and knowingly report inaccuracies have ruinted me credit worthiness, credit standing, credit capacity character and reputation.
Equifax has caused me grave harm, injury and have tremendously violated me pursuant to 15 U.S.C. 1681 ( a ) ( 1 )
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04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the inaccurate information that XXXX XXXX has reported to the three major credit bureaus regarding my account. The violations of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ) have caused me significant distress and negatively impacted my financial wellbeing.
As per the details of my account, XXXX has reported discrepancies across the three credit bureaus ( XXXX, Equifax, and XXXX ). XXXX and Equifax are showing that I was 30 days late on XX/XX/XXXX, but I have not missed any payment on this account. Furthermore, XXXX and XXXX are showing that the date the account was opened is XX/XX/XXXX, while Equifax is showing XX/XX/XXXX. In addition, XXXX and XXXX are reporting the number of months ( terms ) as 73, but Equifax is showing 0. These discrepancies in reporting violate the FCRA 's requirement of accurate reporting.
XXXX has also violated XXXXACTA 's Section 312 ( a ) - Free Annual Credit Reports provision by providing inaccurate and inconsistent credit reports across the three credit bureaus. The discrepancies between the reports have made it difficult for me to assess my creditworthiness and take necessary actions to improve my credit score.
XXXX XXXX I have noticed discrepancies in the information reported by the three major credit bureaus, namely XXXX XXXX XXXX, and Equifax XXXX
According to XXXX, the date this account was opened is XX/XX/XXXX, while XXXX and Equifax reported a different date. Additionally, XXXX reported a different high credit balance amount compared to XXXX and Equifax, and the credit limit balance was also reported differently across the three bureaus.
Moreover, there was a 30-day late payment reported on XX/XX/XXXX, which is inaccurate as I have not missed any payments on this account. This inaccurate reporting has significantly affected my credit score and has made it challenging for me to secure loans and credit cards at favorable interest rates.
I am aware that XXXX is required by law to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit report. The discrepancies in reporting across the three credit bureaus may have violated the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ) - Requirement of Accurate Reporting. In addition, the reporting discrepancies may have violated Section 312 ( a ) of the Fair and Accurate Credit Transactions Act ( FACTA ), which requires credit bureaus to provide consumers with accurate and up-to-date credit reports upon request.
XXXX XXXXXXXX XXXXpecifically, Experian is reporting a charge-off status on my account, which is not accurate. I have never received any notification from them regarding this charge off account, and they have not provided any paperwork to support this claim. Furthermore, the other two credit bureaus are not reporting any negative information on my account.
As you are aware, the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report. XXXX 's failure to correct the reported charge-off status on the account with XXXX may have violated the FCRA 's Section 623 ( a ) ( 2 ) - Duty to Correct and Update Information. Additionally, Section 623 ( a ) ( 5 ) - Duty to Delete Obsolete Information requires that credit reporting agencies must remove outdated or erroneous information from a consumer 's credit report. If the charge-off status reported by XXXX is inaccurate or outdated, XXXX XXXX failure to delete this information may have also violated this provision.
XXXX XXXX Specifically, the payment status on the account has been reported as a charge-off, despite the fact that I have never received any notification from XXXX regarding this charge-off account XXXX Furthermore, XXXX has failed to provide any paperwork to support this claim, and the other two credit bureaus have not reported any negative information on my account.
Moreover, there are discrepancies in the payment information reported by the three credit bureaus. XXXX and Equifax show a monthly payment of {$0.00}, while XXXX reports a monthly payment of {$210.00}. The date opened on the account is also inconsistent across the three credit bureaus, with XXXX and Equifax reporting XX/XX/XXXX, and XXXX reporting XX/XX/XXXX. Finally, there is also a discrepancy in the last reported date, with XXXX reporting XX/XX/XXXX, while XXXX reports XX/XX/XXXX and Equifax reports XX/XX/XXXX.
These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 ( a ) ( 2 ) of the FCRA requires that credit reporting agencies must investigate and correct any inaccuracies in a consumer 's credit report brought to their attention. Additionally, Section 623 ( a ) ( 5 ) of the FCRA requires that credit reporting agencies must remove outdated or erroneous information from a consumer 's credit report. Furthermore, Section 611 ( a ) ( 2 ) of the FCRA requires that credit reporting agencies disclose the sources of information included in a consumer 's credit report upon request. If XXXX failed to provide this information, they may have violated this provision.
In addition, the Fair and Accurate Credit Transactions Act ( FACTA ) requires that each credit bureau must provide consumers with a free credit report at least once every 12 months upon request. These reports should be accurate and up-to-date. If the information reported by XXXX is inaccurate or outdated, they may have violated this provision.
XXXX XXXX XXXX XXXX to the credit bureaus, which is affecting my credit score and causing significant financial difficulties in my life.
Specifically, I am concerned about the reported charge-off status on my account with XXXX, which has not been corrected despite my repeated attempts to address the issue with XXXX XXXX XXXX XXXX I have never received any notification regarding this charge-off account, and XXXX XXXX XXXX has failed to provide any paperwork with me regarding this matter. Additionally, the other two credit bureaus have not reported any negative information on my account, which further suggests that the charge-off status reported by XXXX may be inaccurate or outdated.
This failure to correct and update the information on my credit report violates Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and correct any inaccuracies in a consumer 's credit report brought to their attention. Furthermore, the failure to delete this outdated information violates Section 623 ( a ) ( 5 ) of the FCRA.
In addition, XXXX XXXX XXXX XXXXXXXX failure to provide me with a free, accurate, and up-to-date credit report as required by Section 312 ( a ) of the Fair and Accurate Credit Transactions Act ( FACTA ) is also a cause for concern.
XXXX XXXX ( Account number XXXX ). According to XXXX, I was reported as 90 days late on XX/XX/XXXX, but I have not missed any payments on this account. Additionally, there are discrepancies between the dates reported by the different credit bureaus regarding the account opening, last reported date, and last active date.
These inaccuracies have had a significant impact on my life. As a result of the false late payment report, my credit score has decreased, making it difficult for me to obtain credit or secure loans. This has affected my ability to buy a house or a car, and it has also caused me to pay higher interest rates.
I believe that XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). FCRA Section 623 ( a ) ( 2 ) requires credit reporting agencies to investigate and correct any inaccuracies in a consumer 's credit report brought to their attention. If XXXX XXXX reported a 90-day late payment that did not occur, they may have violated this provision.
FCRA Section 623 ( a ) ( 5 ) requires credit reporting agencies to remove outdated or erroneous information from a consumer 's credit report. If the dates reported by the credit bureaus regarding the account opening, last reported date, and last active date are inconsistent or inaccurate, XXXX XXXX 's failure to delete this information may have violated this provision.
FACTA Section 312 ( a ) requires credit bureaus to provide consumers with a free credit report at least once every 12 months upon request. These reports should be accurate and up-to-date. If the information reported by XXXX XXXX is inaccurate or outdated, they may have violated this provision.
I am requesting that XXXX XXXX investigates and corrects the inaccurate information on my credit report. Additionally, I request that they remove any unverified accounts from my credit report.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative collection off my credit report and any additional reflected documentation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. NOTE : This account was created WITHOUT MY written or expressed CONSENT. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative collection off my credit report and any additional reflected documentation.
XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$230.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$2400.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. NOTE : This account was created WITHOUT MY written or expressed CONSENT. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative collection off my credit report and any additional reflected documentation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. NOTE : This account was created WITHOUT MY written or expressed CONSENT. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
INQURIES : ( Please remove for all three credit reporting agencies : Equifax, XXXX, XXXX ) XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice.
XX/XX/XXXX, XXXXXXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice.
XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice.
XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice.
XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice.
NOTE : Please remove ANY subsequent inquires off my credit reports for XXXX, XXXX, and Equifax be it a HARD INQUIRY or SOFT INQUIRY from XXXX XXXX XXXX as my write to privacy has been violated by these inquires reflecting negatively or my consumer credit report.
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02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
* Plea
se remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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03/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
On XXXX XX/XX/XXXX, my husband contacted XXXX XXXX to find out why they hit his credit report as being more than 30 days late for both the month of XXXX and XXXX of XXXX for our mortgage. During XXXX we were selling our home in Hawaii. The payment was made for each and every month on time and the company was paid in full for our loan in the beginning of XX/XX/XXXX. Below is the email he sent to their customer service department : I got a credit report that stated that I was delinquent on my payment. It is now a hit on my credit. This was posted on XX/XX/XXXX. The issue I have with this is that we sold the property in question and it was finalized on XX/XX/XXXX. When I called to ask about it, I was told since you are no longer servicing the loan, I have to email to get answers about it. If you are no longer servicing the loan, why was it reported as delinquent? I was also told that it could take up to 5 days before I get an email response, and that is even more time where this negative hit on my credit stays. I need to have this corrected as soon as possible.
My name is XXXX. The property in question is XXXX.
My husband never received a response to his inquiry. On XXXX XX/XX/XXXX, I also contacted XXXX regarding the same issue for my own credit report. They directed me to submit an email through their customer service ( XXXX ). Below is the email I submitted : To whom it may concern, Account # : Our Names : Property Address : I had received a letter in the mail stating that my mortgage company had sold our mortgage to another company. In this letter it stated if we were doing automatic withdraws, there was nothing we needed to do on our part. At the same time, my husband and I were in the process of selling this home as I am in the military and we had to XXXX ( XXXX XXXX XXXX XXXX ) to XXXX XXXX ( updated address included below ), and we could no longer afford the home. We continued paying our mortgage through automatic withdraws, but for some reason we now have derogatory or negative comments on our credit report. This is affecting our score and we are trying to gain a new home loan and are unable to. Attached is a picture saved in two different formats as I do not know which way you can or can not open it. If you could please fix this as far as our credit report is concerned, we would greatly appreciate it. Thank you so much for your time.
Current address : V/R, My Name I received the following response from XXXX XXXX through their encryption secured portal on XXXX XX/XX/XXXX : Upon review of the credit reporting submissions, it was determined that it is accurate. However, if you have credit reports reflecting information that you believe to be inaccurate, we respectfully recommend that you submit a dispute with the credit reporting agencies directly. In order to avoid adverse credit reporting, payment must be received by the last day of the month in which it is due. If a payment is not received within the specified time frame, XXXX may report the account as delinquent for that specified month. Please keep in mind, according to the terms of the original mortgage agreement, installments were due on the first day of each month, and if not received on or before that date, the account was contractually late. However, you had a grace period of fifteen ( 15 ) calendar days after the due date to remit your payment before late charges were assessed to the account.
I replied back to this on the same day stating that I did not understand why we were still being reported as late as we had paid everything as already stated? I never received a response back from this request. When I went back into their secure portal to pull this particular email it was no longer available. I called XXXX XXXX to find out why I could no longer access this and was told that after 25 days it is considered expired and I can no longer access it. That being said, they can and I requested a copy to be sent to me. As of this correspondence, I have yet to receive it. I waited to receive a reply and on XX/XX/XXXX my husband and I contacted XXXX XXXX again and we were directed to send another email through their customer service and submit documents showing that we paid and that we were hit twice as the manager we talked to agreed we should not have been hit twice as they were paid on time in full in XXXX, regardless of what XXXX had to say. I submitted the following email on XXXX XX/XX/XXXX : To whom it may concern, Per the conversation that was had over the phone, I am providing documents showing where your company hit my husband and my credit report two months in a row. I am also providing documentation showing that we paid our mortgage for the month of XXXX, when the money was pulled, and where it was sent to via banking statements. As it was an online payment, there is no address for where the money was sent to. In the banking statement for XXXX, I highlighted where it shows the money was pulled out. I am unsure what format you are able to open pictures so I have attached i in JPEG format and GIF File. The banking statement is in PDF format. Thank you so much for your help in this matter.
My Name On XXXX XX/XX/XXXX I received another reply from XXXX XXXX stating the following : Upon review of the account, on XX/XX/XXXX, XXXX received payoff funds in the amount of {$410000.00}, and on the same day, the account was paid in full. Further examination of the account confirms the XX/XX/XXXX contractual installment was not remitted ; therefore, the account was 30 days delinquent at payoff. Please be advised, credit reporting is submitted in arrears, as such, credit reporting that was submitted on XX/XX/XXXX represents the account status for the month of XX/XX/XXXX. Upon review of the credit reporting submissions, it was determined that it is accurate.
However, if you have credit reports reflecting information that you believe to be inaccurate, we respectfully request that you forward legible copies of the following so that it can be researched : front and back copies of cancelled checks, complete bank statements, and/or other documentation supporting your request. Upon receipt of these items, we will research the account and notify you in writing of the results. Please note that XXXX complies with the Fair Credit Reporting Act by reporting payments as received.
They also included several documents to include a document on XXXX XX/XX/XXXX that was sent on XXXX XX/XX/XXXX that was supposed to be in regards to my husbands inquiry from XXXX XX/XX/XXXX. This being said, my husband never received anything in the mail from XXXX and the reply in question was sent to my email and not my husbands. They also sent the letter from XXXX XXXX XXXX that states If your payments are being automatically drafted from your checking or savings account, this service will continue, thus confirming what I stated in my original email to them I had received a letter in the mail stating that my mortgage company had sold our mortgage to another company. In this letter it stated if we were doing automatic withdraws, there was nothing we needed to do on our part. Once receiving this, I sent them the following reply : As stated in the letter from XXXX XXXX XXXX and I have said in a previous email it states in the third paragraph, second sentence " If your payments are being automatically drafted from your checking or savings account, this service will continue ''. As you state in your latest reply we continued to pay to XXXX as that is what was we were told to do in the letter from XXXX XXXX XXXX. My husband and I never received a letter stating that we needed to change who our automatic withdraws need to be paid to. You also state that we have until the end of the month to pay our mortgage before being reported late. As noted in my bank account, in XXXX, we paid. XXXX you were paid in full and has been acknowledged by employees and managers within the XXXX customer service department. We were reported to the credit bureaus as delinquent for both months. Due to your lack to address the documents I have submitted and what you have sent me, along with your lack of responding to my request through your secure portal on XX/XX/XXXX stating that I did not understand why I am still being reported late for both XXXX and XXXX since you were paid in full, I am now submitting a complaint to the Consumer financial protection bureau. You have been most unhelpful.
V/R, My Name I will upload all documents mentioned in this statement. I would also like CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. I further allow them to take steps to remove personal information from this description but realize someone may still be able to identify me. I consent to publishing this description after CFPB has taken these steps. I do not know why, but I could not select the box stating all of this.
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11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit reporting Agencies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
XXXX XXXX XXXX XXXX : {$940.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and Federal Insurance Act. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Otherwise remove immediately.
XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. If not, remove from my Credit file.
XXXX XXXX XXXX : {$0.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Otherwise remove from my Credit File.
XXXX XXXX XXXX : {$0.00} - Never late on this account. Records reflect 120 late without a preceding 30 or 60 days mark. This is a massive error. Investigate all records and verify all details are truly accurate including address name spelling etc. Please remove all negative marks or remove from my Credit Report.
XXXX XXXX XXXX : {$0.00} - There are many inaccuracies with this account. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the Federal Deposit Insurance Act of 1950! Provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately.
XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 120 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Have this erroneous account removed from my Credit file.
XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and Federal Insurance Act. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Otherwise remove immediately.
XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. If not, remove from my Credit file.
XXXX XXXX XXXX : {$0.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Otherwise remove from my Credit File.
XXXX XXXX XXXX : {$0.00} - Never late on this account. Records reflect 120 late without a preceding 30 or 60 days mark. This is a massive error. Investigate all records and verify all details are truly accurate including address name spelling etc. Please remove all negative marks or remove from my Credit Report.
XXXX XXXX XXXX : {$0.00} - There are many inaccuracies with this account. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the Federal Deposit Insurance Act of 1950! Provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately.
XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 120 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Have this erroneous account removed from my Credit file.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. I think the information in this account is inaccurate. Please look at how this account reports and immediately adjust all lates to reflect the correct status. If not, remove right away.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Investigate and adjust the situation as necessary to represent it correctly. Remove from my credit report if not.
XXXX XXXX XXXX : {$0.00} - This account currently publishes information without permission. Despite the fact that an account with a status of 120 days past due is already a charge off account under the Federal Reserve and Federal Insurance Act, you continued to indicate that it was 120 days past due for consecutive months. I want a complete investigation and that an update be given legally and accurately. Remove off my credit file if not.
XXXX XXXX XXXX : {$0.00} - Always on time on this account. Records show 120 late without a 30 or 60 day prior mark. This is a serious mistake. Examine all documents to ensure that all information, such as the spelling of names and addresses, is accurate. Please expunge my credit report of all negative information.
XXXX XXXX XXXX : {$0.00} - This account contains a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and correct it. If not, delete right away.
XXXX XXXX XXXX : {$0.00} - Since they have previously been paid for, this account shouldn't be showing the present status of 120 days late. It would appear impossible for late fees to be accumulated on a paid-in-full account. Correct this account immediately or remove from my Credit file!
XXXX XXXX XXXX : {$0.00} - Always on time on this account. Records show XXXX late without a XXXX or 60 day prior mark. This is a serious mistake. Examine all documents to ensure that all information, such as the spelling of names and addresses, is accurate. Please expunge my credit report of all negative information.
XXXX XXXX XXXX : {$0.00} - This account contains a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and correct it. If not, delete right away.
XXXX XXXX XXXX XXXX Balance : {$0.00} - This account was paid through my bankruptcy. Continued reporting is classified as a Discharge Violation of the Automatic Stay by Order of federal court. Remove immediately.
XXXX XXXX XXXX XXXX Balance : {$0.00} - This account has been transferred and this company no longer owns it, can they report this information? Answer is : No. This account was also included in bankruptcy and they can not claim I owe them this or any other amount. You need to correct the current status to say : Included in Bankruptcy and remove all the negative information immediately.
XXXX XXXX XXXX Balance : {$800.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
|
03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
violations reported : FCRA USC 1681 s-2 A ( person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
FCRA USC 1681i ( 7 ) description of investigation FCRA USC 1681i ( 5 ) The credit bureau said everything was complete and accurate and I asked them of if the following information is wrong/missing/not reported.
Dear Equifax : -I am keeping careful record of your actions and method of verification, I DO NOT CONSENT TO E-OSCAR or any means of automated / electronic verification.
-This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic.
Note : As of XX/XX/XXXX CFPB Consumer Financial Protection Bureau has been notified -All items are still being reported across all Credit Bureaus inaccurately.
- After several attempts I have not received the original documents to verify these items on my report, -Please provide all documentation verifying how these items were verified and investigated for the following listed items or remove all listed items immediately.
XXXX. DEPT OF ED / XXXX ( {$39000.00} ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic.
1. ) Months Reviewed : Why was this account only reviewed for 35 months in and not the complete length of the account.
2. ) Date Open/Date Close : This XXXX key informations are not being reported why?
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported?
XXXX. ) Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due.
4. ) Delinquency First Reported : this data is missing 5. ) Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX. ( Continued ) ( continued ) 6. ) Missing data information : All of data is missing XXXX through XX/XX/XXXX Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile.
7. ) Missing payments : No payments are being reported, but if I was late I am sure Equifax would report that.
2. DEPT OF ED / XXXX ( {$14000.00} ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic.
1. Months Reviewed : Why was this account only reviewed for XXXX months in and not the complete length of the account.
2. Date Open/Date Close : This two key informations are not being reported why?
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported?
3. Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due.
4. Delinquency First Reported : this data is missing 5. Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX.
6. Missing data information : All of data is missing XXXX through XX/XX/XXXX Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile.
7. Missing payments : No payments are being reported, but if I was late I am sure Equifax would report that.
3. DEPT OF ED / XXXX ( {$13000.00} ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic.
1. Months Reviewed : Why was this account only reviewed for 35 months in and not the complete length of the account.
2. Date Open/Date Close : This two key informations are not being reported why?
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported?
3. Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due.
4. Delinquency First Reported : this data is missing 5. Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX.
6. Missing data information : All of data is missing XXXX through XX/XX/XXXX Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile.
7. Missing payments : No payments are being reported, but if I was late I am sure Equifax would report that.
4. XXXX XXXX ( ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic.
1. Months Reviewed : Why was this account only reviewed for 10 months in and not the complete length of the account.
2. Date Open/Date Close : This two key informations are not being reported why?
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported?
3. Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due.
4. Delinquency First Reported : Equifax reports XX/XX/XXXX, yet reports first delinquency as XX/XX/XXXX. How is this possible? Please update report to reflect the correct status for XX/XX/XXXX, also provide data for the year the account originally opened with the original creditor.
5. Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX.
6. Missing data information : All of XXXX Payment History information is missing, XX/XX/XXXX through XX/XX/XXXX data is missing, Equifax neglected to legally report and confirm the accuracy of this data. Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile.
Dear Equifax : As of XX/XX/XXXX CFPB Consumer Financial Protection Bureau has been notified
|
03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
violations reported : FCRA USC 1681 s-2 A ( person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
FCRA USC 1681i ( 7 ) description of investigation FCRA USC 1681i ( 5 ) The credit bureau said everything was complete and accurate and I asked them of if the following information is wrong/missing/not reported.
Dear Equifax : -I am keeping careful record of your actions and method of verification, I DO NOT CONSENT TO E-OSCAR or any means of automated / electronic verification.
-This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic.
Note : As of XX/XX/XXXX CFPB Consumer Financial Protection Bureau has been notified -All items are still being reported across all Credit Bureaus inaccurately.
- After several attempts I have not received the original documents to verify these items on my report, -Please provide all documentation verifying how these items were verified and investigated for the following listed items or remove all listed items immediately.
1. DEPT OF ED / XXXX ( {$39000.00} ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic.
XXXX. ) Months Reviewed : Why was this account only reviewed for 35 months in and not the complete length of the account.
2. ) Date Open/Date Close : This XXXX key informations are not being reported why?
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported?
3. ) Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due.
4. ) Delinquency First Reported : this data is missing 5. ) Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX. ( Continued ) ( continued ) 6. ) Missing data information : All of data is missing XXXX through XX/XX/XXXX Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile.
7. ) Missing payments : No payments are being reported, but if I was late I am sure Equifax would report that.
2. DEPT OF ED / XXXX ( {$14000.00} ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic.
1. Months Reviewed : Why was this account only reviewed for 35 months in and not the complete length of the account.
2. Date Open/Date Close : This two key informations are not being reported why?
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported?
3. Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due.
4. Delinquency First Reported : this data is missing 5. Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX.
6. Missing data information : All of data is missing XXXX through XX/XX/XXXX XXXX for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile.
7. Missing payments : No payments are being reported, but if I was late I am sure Equifax would report that.
3. DEPT OF ED / XXXX ( {$13000.00} ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic.
1. Months Reviewed : Why was this account only reviewed for 35 months in and not the complete length of the account.
2
. Date Open/Date Close : This XXXX key informations are not being reported why?
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported?
3. Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due.
4. Delinquency First Reported : this data is missing 5. Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX.
6. Missing data information : All of data is missing XXXX through XX/XX/XXXX Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile.
7. Missing payments : No payments are being reported, but if I was late I am sure Equifax would report that.
4. XXXX XXXX ( ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic.
1. Months Reviewed : Why was this account only reviewed for 10 months in and not the complete length of the account.
2. Date Open/Date Close : This two key informations are not being reported why?
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported?
3. Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due.
4. Delinquency First Reported : Equifax reports XX/XX/XXXX, yet reports first delinquency as XX/XX/XXXX. How is this possible? Please update report to reflect the correct status for XX/XX/XXXX, also provide data for the year the account originally opened with the original creditor.
5. Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX.
6. Missing data information : All of XXXX XXXX XXXX information is missing, XX/XX/XXXX through XX/XX/XXXX data is missing, Equifax neglected to legally report and confirm the accuracy of this data. Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile.
Dear Equifax : As of XX/XX/XXXX CFPB Consumer Financial Protection Bureau has been notified
|
07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
I have attached the following documentation to reflect the following information below, please see attachments.
1099-C one PDF to include 1099-C three accounts cancellation of debt notice for the following account : 1. XXXX Store Card Account Number Ending in XXXX 2. XXXX Credit Card Account Number Ending in XXXX 3. XXXX XXXX XXXX Personal Credit Account Number Ending in XXXX These accounts were charged off as of XX/XX/XXXXXX/XX/XXXXTAX RETURNS Schedule 1 FORM 1040 Line 8 to reflect the total amount PAID IN FULL for the accounts in question 8 Other income. Canceled Debt Income {$4800.00}.
A copy of my XXXX Credit report showing inaccurate reporting XXXX XXXX is reporting to the Credit Bureaus inaccurate information that I still owe the debt in full!!
I have attached documentation that SHOWS XXXX XXXX abandon under a 1099-C the total amount of {$4800.00}. XXXX XXXX canceled the debt and issued a cancellation of DEBT ABANDON A DEBT under IRS Publication 4681 ( XX/XX/XXXX), Canceled Debts.
As you clearly stated in your statement XX/XX/XXXX after XX/XX/XXXX, on your XXXX Store Card account. Therefore, due to non-payment, the remaining balance of {$800.00} was subsequently charged off as a loss on XX/XX/XXXX.
Clearly, as you can see on the attachment from XXXX that you are reporting inaccurate information by updating my credit report to reflect a charge of from XX/XX/XXXX to recently thus reporting inaccurate status past due as of XX/XX/XXXX.
As you clearly stated in your statement on XX/XX/XXXX, We did not receive a payment after XX/XX/XXXX, on your XXXX XXXX XXXX Mastercard account. On XX/XX/XXXX, due to non-payment, your account was charged off as a loss in the amount of {$2900.00} Clearly, as you can see on the attachment from XXXX that you are reporting inaccurate information by updating my credit report to reflect a charge of from XX/XX/XXXX to recently thus reporting inaccurate status past due as of XX/XX/XXXX.
As you clearly stated in your statement on XX/XX/XXXX, We did not receive a payment after XX/XX/XXXX, on your XXXX Credit Card account. Therefore, due to non-payment, the remaining balance on the account of {$2700.00} was subsequently charged off as a loss on XX/XX/XXXX.
The XXXX Store Card Account Number Ending in XXXX was charged off as a loss on XX/XX/XXXX, NOT IN XX/XX/XXXX XX/XX/XXXX XXXX Credit Card Account Number Ending in XXXX XXXX XXXX XXXX Personal Credit Account Number Ending in XXXX On XX/XX/XXXX, NOT IN XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Credit Account Number Ending in XXXX was charged off as a loss on XX/XX/XXXX. NOT IN XX/XX/XXXX XX/XX/XXXX I reported these accounts under a 1099-C on my XX/XX/XXXX Tax Returns as Paid in Full. Under the Fair Credit Reporting Act, I have the right to removed inaccurate reporting which you have clearly done so. YOU ARE PARROTING THE INFORMATION being reported, even after multiple disputes!!!
I have included a copy of my XX/XX/XXXX TAX RETURNS to reflect the full amount for all three accounts that the total amount of the charge off has been PAID IN FULL via TAX RETURNS.
The 1099-C Clearly state You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. XXXX XXXX HAS CLEARLY DISCHARGED all three accounts BRING THE BALANCE TO {$0.00} DOLLARS OWED.
YOUR COMPANY EVEN REFERENCES THIS ON YOUR STATEMENT XX/XX/XXXX XXXX XXXXk is no longer pursuing collection activity on your accounts. If XXXX XXXX discharges ( cancels or forgives, in whole or in part ) a debt you owe, you may receive a Form 1099-C, Cancellation of Debt. Amounts discharged may need to be included in your income, and subject to certain exceptions reported to the IRS. Please contact your tax adviser concerning the particular U.S. Federal Income tax consequences to you. On XX/XX/XXXX, XXXX XXXX issued a Form 1099-C on each of the above referenced accounts.
XXXX XXXX STATEMENT dated XX/XX/XXXX stated As required by the statute of limitations, XXXX XXXX is no longer pursuing collection activity on your accounts. The statute of limitations does not change our obligation to accurately report account history.
XXXX XXXX last reported your XXXX Store Card account on XX/XX/XXXX, your XXXX Credit Card Account on XX/XX/XXXX, and your XXXX XXXX XXXX Personal Credit account on XX/XX/XXXX. As the accounts have been accurately reported, your request to alter the account reporting is respectfully declined.
A debt is deemed canceled on the date an identifiable event occurs or, if earlier, the date of the actual discharge, which the actual date of the discharge for the accounts mentioned above was in XX/XX/XXXX NOT IN XX/XX/XXXX XX/XX/XXXX.
The code reflected on the FROM 1099-C clearly states Code G Decision or policy to discontinue collection. Code G is used to identify the cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice.
IRS PUBLICATION https : //www.irs.gov/pub/irs-pdf/i1099ac.pdf, ALSO STATES Section 7. A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. A creditor 's defined policy can be in writing or established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. Enter G in box 6 to report this identifiable event.
MEANING THE ACCOUNT WAS CANCELLED IN FULL {$0.00} XXXX DOLLARS!!!
IRS INSTRUCTION WHEN FILING A DEBT STATES : 1. A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. A creditor 's defined policy can be in writing or established business practice of the creditor.
2. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. Enter " G '' in box 6 to report this identifiable event.
3. XXXX XXXX canceled the debt, stopped collection activity, and ABANDON A DEBT!!
BRINGING MY TOTAL BALANCE TO {$0.00} XXXX DOLLARS!!!
I have disputed this account onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and for the fourth time you will be getting a LAWSUIT from me, for reporting and damaging my credit report 180 points and for inaccurate reporting on your part!! I have to give you plenty of time to remove the negative information and the inaccurate information from my credit report. Since I did not file a Reduction of Tax Attributes Due to Discharge of Indebtedness under Section 1082 Basis Adjustment Form 982, This DEBT IS CONSIDERED PAID IN FULL Under this statute!! I will be suing you ( XXXX XXXX ) and the Credit Bureaus for damaging my credit report, your statement dated XX/XX/XXXX states : 1. Based on your inquiry, we have reviewed your account record and verified we have accurately reported your account history information to the major credit bureaus. Since we have reported accurate information pertaining to your account, we are unable to delete or modify the status as reported. Therefore, your request for XXXX XXXX to delete these trade lines from your personal credit history has been respectfully declined, and 2. XXXX XXXX is no longer pursuing collection activity on your accounts. If XXXX XXXX discharges ( cancels or forgives, in whole or in part ) a debt you owe, you may receive a Form 1099-C, Cancellation of Debt. Amounts discharged may need to be included in your income, and subject to certain exceptions reported to the IRS. Please contact your tax adviser concerning the particular U.S. Federal Income tax consequences to you. On XX/XX/XXXX, XXXX XXXX issued a Form 1099-C on each of the above-referenced accounts.
Yet my credit report shows inaccurate reporting on your behalf has recently charged off!!
In conclusion, all these accounts were charged off in XX/XX/XXXX and not recently on XX/XX/XXXX as you have reported on my credit report. I want these accounts to be removed from all four major credit bureaus, XXXX, Equifax, XXXX, and XXXX XXXX credit reports IMMEDIATELY.
I have reached out to you several times On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, via email as well and have left several messages via phone. I can be reached at XXXX-XXXX-XXXX
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12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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This complaint is against Equifax/Equifax Information Services LLC XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al and the Presidents/CEO/Acting CEO/Presidents and or Successors, Assigns, Agents, and Representatives. We are FEDERALLY PROTECTED CONSULMERS. Our credits report ( XXXX ) AND file ( XXXX ) have erroneous reporting from Equifax/Equifax Information Services LLC et al XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al. We have been advised that CREDIT REPORTING is a form of collection strategy and we DEMAND that ALL credit reporting CEASE IMMEDIATELY Equifax/Equifax Information Services LLC et al XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al and acting CEO/Presidents, et al are in direct violation of 15 USC 1692 e ( 8 ). We never received an initial communication from Equifax, Equifax Information Services LLC, et al, which means they are in direct violation of 15 USC 1692 G ( a ) ( b ). We have NO CONTRACTS, AGREEMENTS, NO ACCOUNTS, NOR BUSINESS RELATIONSHIP and or AFFILIATIONS or PARTNERSHIPS, etXXXX. with Equifax/Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al ; NOR DO WE WANT ( DO NOT WANT ) TO CONTRACT AND OR CONSENT WITH Equifax/Equifax Information Services XXXX et al | TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX al, or their BUSINESS RELATIONSHIPS and or AFFILIATIONS or PARTNERSHIPS ; nor any of the corporate names they hide behind, nor do i want to contract Equifax/Equifax Information Services XXXX et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al. We are not a consumer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al and never was. We are not a customer nor patron Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al and never was, and Equifax/Equifax Information Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Assistance XXXX al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al nor have we ever been. We do not want to enter in to any binding contracts, agreements, or consents with Equifax/Equifax Information XXXX XXXX XXXX al XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al. We never consented nor gave express permission in any form to Equifax/Equifax Information XXXX XXXX XXXX al XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al to use or be in possession of any of our NON-PUBLIC PRIVATE/PERSONAL INDENTIFYING SOURCE DATA AND INFORMATION. This is a clear VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. To be very clear, we DO NOT accept Equifax/Equifax XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al offers to contract. We DO NOT consent to ANY non-affiliated third-party ( Equifax/Equifax Information XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt al ) to be in possession of of our NON-PUBLIC PERSONAL AND PRIVATE INFORMATION. Equifax/Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aXXXX XXXX XXXX et al has violated and is violating the laws and regulations pursuant to 15 USC 1692 and violating our rights since the very first time they received and came into possession of my non-public private and personal information, since the year XXXX - XXXX and XXXX to present day.
Due to the nature of these multiple illegal and unlawful violations against XXXX, Equifax/Equifax Information Services LLC XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al, we are DEMANDING {$11000.00} PER VIOLATION FOR EVERY MONTH AND YEAR IN VIOLATION.
Equifax/Equifax Information Services LLC et al XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax/Equifax Information Services XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al has/is caused/causing financial hardships, health ailments, financial losses, emotional stress, mental distress, many missed nights of sleep, loss of credit opportunities to purchase consumer goods and services, etc. By XXXX BEING DENIED CREDIT due to derogatory INTENTIONALLY FALSE INFORMATION with the consumer reporting agencies/Credit Reporting Agencies or other consumer reporting companies/agencies. I HAVE NO CONTRACT CONTRACT WITH Equifax/Equifax Information Services LLC et al | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al and I HAVE NO LAWFUL NOR LEGAL OBLIGATIONS to even communicate with Equifax/Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
BE IT KNOWN NOW AND FOREVER, this is NOTICE TO Equifax/Equifax XXXX XXXX XXXX XXXX al XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al ; CEASE AND DECIST ALL UNLAWFUL AND ILLEGAL ACTIVITIES IMMEDIATELY. THIS IS NOT A REQUEST. THIS IS A LAWFUL DEMAND. THIS IS ALSO NOT A REQUEST FOR VERIFICATION, VALIDATION or ANY OTHER FORM OF REQUEST. THIS IS A NOTICE OF BOGUST DEBT. The matter has NOW BECOME VERY CLEAR that Equifax/Equifax Information Services LLC eXXXX al XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al obtained/PAID FOR our NON-PUBLIC PRIVATE PERSONAL INFORMATION WITHOUT OUR LEGAL AND LAWFUL EXPRESS P RIOR WRITTEN AUTHORIZATION and this constitutes AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028 A. Equifax/Equifax Information Services LLC et al | XXXX XXXX XXXX al XXXX XXXX XXXX al XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al XXXX also know that in the XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR THE DISTRICT OF XXXXXXXX XXXX, the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY.
This complaint also applies and includes all other consumer credit reporting/consumer reporting, public reporting, and data mining companies. The following companies but not limited to : CCC Verify et al, | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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10/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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I opened an account with XXXX 's XXXX XX/XX/2018. The sales consultant took my information over the phone. I believed I was giving information for preapproval. I did not get terms of the credit card. I gave the correct address and phone number.
XXXX 's installed the roof in XX/XX/2018 at our correct address and called my number to arrange the install.
On XX/XX/2018, I received notice from my credit monitoring service that my credit score dropped 136 points due to delinquent status of my XXXX XXXX 's account. I had not received a bill from XXXX 's. I received no phone calls or emails to inform me of my delinquent status.
I called XXXX on XX/XX/XXXX and learned that they had sent 3 bills ( XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 ) which they stated were all returned. I never received my credit card, my terms, an invoice of work completed, an account number, or any documentation. I never received approval notification. I never signed anything. I am not contesting the work or that I owe XXXX 's money for work completed. I never had an opportunity to pay.
On XX/XX/2018 I began attempts to clear up the negative impact to my credit score. Below are notes related to the calls.
XXXX XXXX XXXX Called XXXX when credit monitoring service XXXX notified credit dropped 136 points Automated service wasnt able to authenticate when entered personal information Connected to XXXX Told me there was {$410.00} minimum amount due I told her I never received a bill XXXX told me they sent out multiple bills that were returned I told her I was never contacted by phone or email She told me there was no phone number or email on account I told her that wasnt true because the contractor had that information and the work had been completed at the address and we had been contacted by phone to arrange the install.
XXXX indicated the delinquency would be reversed by XX/XX/XXXX.
I asked to speak to a supervisor.
[ on hold ] Transferred to XXXX.
Gave XXXX social security number. XXXX verified my account with XXXX.
XXXX me I need to send a dispute to : XXXX XXXX XXXX XXXX FL XXXX Ask to whom I should address this.
XXXX told me Federal Credit Reporting Agency **This address is for Synchrony XXXX XXXX misrepresented XXXX Bank 's address as the address of a federal agency. XXXX also lied about her name. I later found out XXXX 's name was actually XXXX when I spoke with XXXX/XXXX, a XXXX 's representative. ** Asked XXXX/XXXX how many bills XXXX sent me. XXXX/XXXX refused to answer me.
Asked to what address XXXX sent bills. Gave me this address : XXXX XXXX XXXX XXXX, TX XXXX I have never lived at this address, used this address, known anyone at this address, or given this address to anyone.
Asked XXXX/XXXX what phone number they had on file.
Gave me : XXXX ( the number from which I was calling ).
Asked what email they have on file. Gave me XXXX ( not my email address ) Told me XXXX said I refused to give email address ( not true ) When I asked what information Synchrony had about me XXXX/XXXX refused to give it. XXXX said she could only verify information I gave her. I told her I needed to know what I was disputing when I sent the letter in. XXXX/XXXX told me I just needed to send the letter in and there was nothing else she could do.
XXXX Hung up and called XXXX store directly. Spoke to XXXX at XXXX XXXX XXXX. XXXX XXXX # XXXX. Acting manager in flooring. Told me I probably needed to speak to XXXX but he would take information. Gave information. He called back at XXXX and said he couldnt find account. Gave phone number XXXX. Was not able to pull up XXXX credit card. Called back again at XXXX and told me to call XXXX credit center at XXXX. Told him my concern was that interest was accruing in addition to my credit being affected negatively. He told me this should all be fixed. I told him again I never got a statement and had no opportunity to pay.
Called XXXX and spoke to XXXX.
XXXX told me there were 3 statements sent out and 3 payments missed. Account being rehabbed. Closing dates go out on the XXXX or XXXX.
Statements sent out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
XXXX assured me that no interest being accrued.
I asked who entered the XXXX address. She wasnt able to tell me.
I asked if I could have scanned copies of all documents. She said since account was being rehabbed she couldnt send me anything. She said the defect was on our [ XXXX ] side.
Rehab would take 30 days.
I told her that was unacceptable because I was in the process of taking out a car loan. I am now unable to attain a loan because my otherwise good credit score has been negatively affected through no fault of mine.
XXXX Called again and talked to XXXX ( XXXX ) Asked to clarify what rehab is. He answered that the mistake is on our [ XXXX ] part and not your fault. I wanted to make sure the rehab is happening. He said it is. No days are past due. XXXX said he is sending another bill to the correct address. Transferred call to corporate care office. XXXX. Told concerns to rep. Rep said would call back in 2 business days. Had to walk to a meeting and I didnt get reps name. Meeting was at XXXX so call ended approximately XXXX. Learned XXXX lied about her name ( its really XXXX ). There is also no Federal Credit Reporting Agency. That is XXXX Address.
Never received a call back. Called back on XXXX and spoke to XXXX. Incident report XXXX. XXXX said the number associated with the account is XXXX. Told her this is not my phone number. This has never been my phone number or any phone number of anyone I know. XXXX 's entered inaccurate information on my credit application that I have never seen. Because of XXXX 's inaccurate information, my credit score has been negatively impacted and I am unable to get credit.
XXXX said she was escalated to the next level and corrected phone number and verified all other contact information. Ended call at XXXX with assurance I would be called back and this would be handled at corporate office and would be called back in 24 hours.
I was not called back.
XXXX spoke to XXXX at XXXX XXXX Corrected email address AGAIN XXXX told me I had to handle this at the XXXX credit process not at corporate. Transferred to XXXX. Then to XXXX. Then to XXXX. Asked to speak to supervisor.
XXXX told me my last name doesnt match.
Gave social. Found account. Told me account was already rehabbed. Asked to speak to supervisor. Transferred.
XXXX.
Asked who input incorrect information. She looked for application. Said I didnt have an application. Then she said it had missing information after she found it. I requested a copy of the application. She said it will take a lot of time to happen No ID information. She said underwriting may now who submitted it. May take 1-2 billing cycles to get it to me.
Then she hung up on me. I called back and got in touch with her.
She then said she would have this off my credit report in 24-48 hours and I would have the terms in 30 days.
She also said they cant find my credit card.
As of XXXX I still dont have a bill, I still dont have a credit card, and this is still on my credit report.
I called XXXX again XXXX at XXXX am and spoke to XXXX. Asked to speak to a manager. Corrected phone number AGAIN. Spoke to XXXX [ unsure of spelling? ] XXXX assured there is no impact on my credit. Current credit report shows my account is in arrears and my credit score is still 136 points below what it was before XXXX reported. XXXX stated XXXX updated information electronically on XXXX and it can take 30 days to be removed. I can not complete the purchase of my vehicle and can not wait 30 days. Without the purchase of a vehicle I can not transport myself to work or my children to school. The negligent noncompliance of XXXX 's and XXXX bank to enter and report accurate information has caused me and my family serious financial harm.
I requested a letter from XXXX stating that my account is up to date and that I am not delinquent. XXXX can not supply the letter for 14 days. I can not wait 14 days.
I do not understand how XXXX 's and XXXX Bank were able to make such an egregious error and are not responsible for correcting it. It has been left up to me to navigate the CRAs. XXXX has done this before, sending a bill for my XXXX 's account to an address in XXXX that I never resided at. The only two negative accounts on my credit history are from XXXX and are associated with addresses that I have never lived at and never put on a credit application.
I never received my XXXX 's card. I still have not received my XXXX 's bill. Attached is the ONLY document I ever received from XXXX 's. The signature on it is not mine. It is the signature of someone who happened to be at my house who agreed to the purchase of the roof, not to the credit. You will notice no dates or financial information are on the sales contract.
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03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I am not asking for an investigation into these accounts but I am asking that they are deleted immediately. The credit reporting agencies XXXX, Equifax and XXXX have been reporting erroneous, inaccurate, unverifiable and illegal information on my credit report. I have been fighting with them for years trying to get an 100 % accurate credit report as is required by the FCRA. I have not been provided an 100 % accurate credit report nor have they fixed the errors that I have reported to them. They have continuously ignored my request for 100 % accurate report and state that they have verified accounts when in actuality they have not done investigations nor have they provided any proof that in investigation has been done. This has impacted by life by not allowing me to get better jobs, buy a home for my family and allow me the ability to obtain credit do to the damage they have caused by inaccurate reporting. They have ruined by life, reputation and ability to provide for my family. I have provided them with multiple credit reports with these errors and highlighted them as well. Per the FCRA these inaccurate accounts should have been deleted but they have not and are still reporting inaccurately. I AM NOT ASKING FOR AN INVESTIGATION NOR AM I ASKING FOR VERIFICATION I'M DEMANDING IMMEDIATE DELETION OF THESE ACCOUNTS TODAY.
The accounts below need to be deleted today due to they are inaccurately reporting, erroneous or illegally reporting. ONCE AGAIN I'M NOT REQUESTING AN INVESTIGATION INTO THESE ACCOUNTS OR VERIFICATION OF THESE ACCOUNTS. I AM DEMANDING THAT THEY BE DELETED DUE TO XXXX, EQUIFAX AND XXXX ARE NOT IN COMPLIANCE WITH THE FCRA AND VIOLATING MY RIGHTS, DAMAGING MY REPUTATION AND DENYING ME THE ABILITY TO PROVIDE FOR MY FAMILY.
I HAVE ALSO FILED AN IDENTITY THEFT REPORT THROUGH THE FTC AND A LETTER OF THE ACCOUNTS THAT NEED TO BE DELETED UNDER THE IDENTITY THEFT AND REQUESTED A BLOCK ON MY REPORT. PER THE FCRA THE XXXX, EQUIFAX AND XXXX HAVE 4 DAYS TO PLACE THE BLOCK ON MY ACCOUNT AND DELETE THE ACCOUNTS LISTED IN THE FTC REPORT WHICH THEY HAVE NOT DONE WITH IS ANOTHER VIOLATION.
I have reporting all of this to the CFPB who have not enforced any of these credit reporting agencies to follow the law and due what's fair and equitable to me as a consumer and this has negatively effected me financially, emotionally and mentally.
I DEMAND THE ACCOUNTS BELOW BE DELETED FROM MY CREDIT REPORT TODAY AND THE BLOCK IS PLACED ON MY CREDIT REPORT. WHAT XXXX, EQUIFAX AND XXXX ARE DOING IS ILLEGAL AND IF THESE ACCOUNTS ARE NOT REMOVED I WILL BE SEEKING LEGAL ACTION AND MY REMEDY.
XXXX XXXX XXXX XXXX XXXX REMOVE FROM EQUIFAX-XXXX and XXXX weren't able to properly verify this account & was required to remove the account. How was Equifax able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXXXXXX XXXX # XXXX REMOVE FROM XXXX and Equifax weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Also this account is reporting close but the account is open. Delete Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE FROM XXXX, XXXX AND EQUIFAX-This account is reporting inaccurately and erroneously and differently on all 3 reports. The account number, account status, balance, high credit, payment status, comments and date last reported and payment history. How can this account be reporting different information on all 3 reports & you all have access to the same info? Delete Immediately XXXX XXXX XXXX XXXX XXXX REMOVE FROM EQUIFAX-XXXX and XXXX weren't able to properly verify this account & was required to remove the account. How was Equifax able to verify this account & you all have access to the same info? Delete Immediately BANKRUPTCY ACCT # XXXX Equifax is reporting a bankruptcy on my report but this is incorrect, erroneous and illegal. Equifax websites states that they verified it through XXXX but that a lie because I have a copy of my XXXX report and there are no bankruptcies on my report. So not only is this inaccurate reporting it is a lie and was not verified through XXXX or anyone else-Delete Immediately XXXX XXXX XXXX XXXXXXXX REMOVE FROM EQUIFAX & XXXX weren't able to properly verify this account & was required to remove the account. How was Equifax and XXXX able to verify this account & you all have access to the same info? I also have an email that my account is closed iwth no balance and they are reporting the account is open and has a balance which is inaccurate.- Delete Immediately XXXX XXXX XXXX XXXX XXXX XXXX REMOVE FROM EQUIFAXXXXX and XXXX weren't able to properly verify this account & was required to remove the account. In XX/XX/XXXX the account was showing closed and included in bankruptcy but XX/XX/XXXX its showing the account is open and 120 past due. How was Equifax able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXXXXXX XXXX XXXX XXXX REMOVE FROM XXXX, XXXX AND EQUIFAX-The payment history is different on all 3 bureaus, account number is different, high credit, last reported date, comments and last date active.. How was Equifax able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX XXXX XXXX XXXX REMOVE FROM EQUIFAX-XXXX and XXXX weren't able to properly verify this account & was required to remove the account. How was Equifax able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX XXXX REMOVE FROM EQUIFAX-XXXX and XXXX weren't able to properly verify this account & was required to remove the account. How was Equifax able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX XXXX XXXX REMOVE FROM EQUIFAX and XXXX weren't able to properly verify this account & was required to remove the account. Also there are multiple inaccuracies on Equifax and XXXX such as the account status, balance, high credit, credit limit, last reported, date last active. How was Equifax and XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX XXXX XXXX REMOVE FROM EQUIFAXXXXX and XXXX weren't able to properly verify this account & was required to remove the account. Also the payment history is showing the account was 30 days past due in XX/XX/XXXX to charged off XX/XX/XXXX until XXXX of XXXX. How can account go from 30 days past due to charged off in 1 month. Then the account was reporting charged off from XXXX XXXX XXXX and has been reporting on time payments from XXXX XXXX XXXX. How was Equifax able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX XXXX XXXXXXXX REMOVE FROM EQUIFAX and XXXX weren't able to properly verify this account & was required to remove the account. Also this account is reporting an open collection account which is illegal. A collection account is by default a closed account. Reporting a collection as an open account is not under FCRA compliance and is inaccurate reporting. Also, this account is reporting in dispute and resolved which is another inaccuracy. Also per Equifax website and my credit report on there website I don't have any collections on my Equifax credit report. How was Equifax and XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX XXXX XXXX XXXX REMOVE FROM XXXX and XXXXEquifax weren't able to properly verify this account & was required to remove the account. This account also have multiple inaccuracies such as the payment status, payment history, last reported, date last active and past due amount. Also the payment history is different between XXXX and XXXX XXXX is reporting 30 days late XX/XX/XXXX and XXXX is reporting current. In XX/XX/XXXX XXXX is reporting 60 days late and XXXX is reporting XXXX in XX/XX/XXXX XXXX isn't reporting anything and XXXX is reporting 60 days. How was XXXX and XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX XXXX XXXX REMOVE LATE PAYMENT FROM XXXX, XXXX AND EQUIFAX-I have never been late on this account and I am not currently late on this account. Correct payment history to paid as agreed or Delete Account.
XXXX XXXX XXXXXXXX XXXX XXXXXXXX REMOVE FROM EQUIFAXXXXX and XXXX weren't able to properly verify this account & was required to remove the account. How was Equifax able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE FROM EQUIFAXXXXX and XXXX weren't able to properly verify this account & was required to remove the account. How was Equifax able to verify this account & you all have access to the same info? Delete Immediately
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09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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I HAVE ATTACHED MY LICENSE AND SS CARD SO THAT EQUIFAX KNOWS I AM THEIR CUSTOMER, THE CONSUMER SUBMITTING THIS DISPUTE.
AFFIDAVIT OF FACT UNITED STATES OF AMERICA ATTENTION : Equifax RE : SSN XXXX I, XXXX XXXX XXXX a natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, Equifax on XX/XX/XXXX.
REASONS : 1. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; 2. The Congress has stated that you, Equifax are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. The Congress has also stated that you Equifax are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, Equifax are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; 6. Pursuant to 15 U.S. Code 1681a ( d ) the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness ; 7. Take further notice that Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) you Equifax are violation of this law as it clearly states that any report containing information solely as to transactions or experiences between the consumer and the person making the report which in this case is you Equifax are excluded from the consumers report ; 8. Notice that you Equifax are also in violation of 15 U.S. Code 1681a ( 2 ) ( B ) which states any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card. You are reporting multiple accounts on my consumer report in direct violation of this Code ; 9. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc ..., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; 10. Take further notice that Pursuant to this same mentioned code stated above 15 U.S. Code 1681a ( e ) there shall not be any specific factual information on a consumers credit record obtained directly from a creditor as the term creditor means the same as it does in 15 U.S. Code 1691a ( e ) which states that the term creditor means any person who regularly extends credit which in this case that would be me a consumer ; 11. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates ; Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.
DEMAND FOR REMOVAL PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i Account Name/Number : XXXX XXXX Account Name/Number : XXXX Account Name/Number : XXXX XXXX XXXX
Account Name/Number : XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX Account Name/Number : XXXX XXXX Account Name/Number : XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.
TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a The term consumer means an individual.
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; Except as provided in paragraph ( 3 ), the term ( A ) subject to section 1681s3 of this title, any consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
The term credit card has the same meaning as in section 1602 of this title.
The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer.
XXXX State of Delaware County of XXXX on this 16 day of XXXX, I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. ( Pursuant to 28 USC 1746 ( 1 ) ) XXXX, XXXX
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10/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
XXXX XXXX ( XXXX, IN ) verification of mortgage of XX/XX/2018 stated that current unpaid principal is {$270000.00}. I disagree with unpaid principal. I have continued to dispute several late fees, because payments had been made on time and XXXX XXXX insist on not responding to disputes. Verification of mortgage shows next payment due XX/XX/2018. Just how far behind is XXXX XXXX payment processing system. This shows that XXXX XXXX system is approximately two months behind. Based on this assessment, it reveals that due to being behind, account continues to be reported to credit bureaus as being past due, resulting in me having to suffer. Confirmation XXXX ( {$1500.00} ) shows XX/XX/2018 was posted by XXXX XXXX on XX/XX/18. Verification of Mortgage of XX/XX/2018 shows amount past due in the amount of {$4700.00}. This is totally inaccurate. Reported past due reveals past due for XX/XX/2018 ( {$1500.00} ), XX/XX/2018 ( {$1500.00} ), XX/XX/2018 ( {$1500.00} ) -total {$4700.00}. XX/XX/2018-Confirmation Number XXXX ( {$1500.00} ) shows that XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18, Confirmation Number XXXX ( {$1500.00} ) shows that XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18. Confirmation Numbers XXXX ( {$790.00} ) and XXXX ( {$790.00} ) shows that XX/XX/2018 payments were posted by XXXX XXXX on XX/XX/18 & XX/XX/18. This is well within time frame for making payments. XXXX XXXX ( XXXX, IN ) letter of XX/XX/2018 stated their research determined that account is accurately reported to credit bureaus I do not agree that XXXX XXXX is accurately reporting account. Confirmations, checks and banking statement have been submitted showing that one department with the XXXX XXXX organization have been posting payment on time, while another department insist on overriding payment departments postings and continues to report inaccuracies. Appears XXXX XXXX refuses to accept copies of checks, confirmations, banking statement to dispute inaccurate reporting. XXXX XXXX ( XXXX, IN ) letter of XX/XX/2018 stated records reflect loan is now one payment overdue, totaling {$3100.00}. Total shows two months past due. ( XX/XX/2018 and XX/XX/2018 ). Confirmation XXXX XXXX ( {$1500.00} ) shows XX/XX/2018 payment had been posted by XXXX XXXX on XX/XX/2018. Confirmation Numbers XXXX ( {$790.00} ) and XXXX ( {$790.00} ) shows XX/XX/2018 payment posted by XXXX XXXX on XX/XX/18 & XX/XX/18. XXXX XXXX ( XXXX, IN ) letter of XX/XX/2018 stated that they have not received loan payments for the period XX/XX/2018 through XX/XX/2018-totaling $ XXXX.Confirmation Number XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18. Confirmation XXXX XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18. XXXX XXXX ( XXXX, IN ) letter of XX/XX/2018 stated that loan payments had not been received for the periods of XX/XX/2018 through XX/XX/2018. Confirmation Numbers XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18 and confirmation number XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18. Since confirmed payments had been posted in accordance with mortgage contract, why is XXXX XXXX insisting on reporting payments are 60 days past due for XX/XX/2018, XX/XX/2018, XX/XX/2018. XXXX XXXX ( XXXX, IN ) letter ofXX/XX/2018 stated mortgage payment is 60 days past due. Since letter does not show which months are past due, can only assume that XX/XX/2018 and XX/XX/2018 payments had not been received. Confirmation Number XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18 and confirmation number XXXX ( {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX on XX/XX/18. Again XXXX XXXX continues to report 60 days past due for XX/XX/2018 and XX/XX/2018. XXXX XXXX ( IXXXX, IN ) letter of XX/XX/2018 stated that XXXX XXXX had not received payments for the period ofXX/XX/2018 through XX/XX/2018. XXXX XXXX has reported account as being 60 days past due forXX/XX/2018 and XX/XX/2018. Confirmation XXXX XXXX ( {$1500.00} ) shows XX/XX/2018payment was posted by XXXX XXXX on XX/XX/18. Confirmation XXXX XXXX XXXX {$1500.00} ) shows XX/XX/2018 payment was posted by XXXX XXXX onXX/XX/18. After receiving XXXX XXXX payment history report ( an internal document not readily available to customer ). it revealed that XXXX XXXX had been posting current monthly mortgage payments to previous months. For example report shows XX/XX/2018 payment had been applied to XX/XX/2018. XX/XX/2018 payment had been applied to XX/XX/2018. As of this dated and after continued requests, XXXX XXXX has failed to explain why they continue to apply current mortgage payments to previous months. This is clear evidence that there continues to be miscommunications within XXXX XXXX organization, where the customer continues to be penalized. Their actions continue to have a devastating impact on my credit scores. I have been denied applications, based on the outrageous reported past dues. Several lenders have labeled me as unworthy of refinancing and or being approved for personal loans. Another lender stated that XXXX XXXX must remove these past dues before any bank/lending institutions would begin to review any requests for refinancing, and or personal loans. I feel that I am a prisoner within the XXXX XXXX system. Why is XXXX XXXX being allowed to continue reporting these unwarranted past dues, when confirmed documentations had been posted by XXXX XXXX does not support the reporting of past dues. There has been nothing found that authorizes XXXX XXXX to apply payments to any previous months, nor have I been made aware in writing or telephone conversation that such a procedure exists.XXXX XXXX has not telephoned me in over two years. Is this good customer relations? XXXX XXXX had assigned me a POC. I have yet to receive as much as a courtesy telephone call to introduce themselves. Assignment made in XX/XX/2018. Each months mortgage statements shows total amount due ( {$1500.00} ) which is broken down to certain amount that is to be applied to escrow, principle, and interest for the month.. There has been nothing mentioned of applying mortgage payments to previous months. I found nothing in the terms and conditions mortgage contract. Mortgage payments are due on the first of each month, but no later then fifteenth of the month. Payment is to be applied to current month. I only revealed concerns for six month of year XX/XX/2018. I have experienced the very same issues for the entire year of XXXX. Issues continue to go unresolved and I continue to be impacted by XXXX XXXX unwillingness to work with customer to resolve expeditiously. I am tired and utterly frustrated and wish to resolve expeditiously. So I may pursue my financial goals and objectives. As a honorably discharged retired veteran with over XXXX XXXX years of service, I do not deserve to be mistreated this way. I have made the Veterans Administration ( Benefits ) aware of issues with XXXX XXXX, for I do not want to lose my entitlements due to XXXX XXXX continues unwillingness to resolve expeditiously. I ask again why is XXXX XXXX being allowed to perform such unwarranted practices while inflicting undue hardships to customers.
This dispute is being submitted in accordance with FCRA 623 ( b ) ( 2 ) : Some companies have not been good about keeping records in the best shape and keeping information current cost a lot of money to import data. This has resulted in companies like XXXX XXXX showing no records of past dues, yet XXXX XXXX continue to report negative information on credit reports. Why is XXXX XXXX being allowed to continue report inaccuracies, while customer is being unworthy of credit cards, refinancing and/or personal loans?
FCRA {$620.00} ( c ) : XXXX XXXX is in violation of this article for they have refused to answer me or provide proof of reported past dues, even after I submitted confirmation payment posted by XXXX XXXX to XXXX, IN, XXXX, IN and XXXX, OH. According to this article, as a private citizen I can not take XXXX XXXX to court and sue them.
A3-2-01 Compliance with the Law : According to this article XXXX XXXX must comply with the law that addresses credit reporting.
Section {$610.00} : XXXX XXXX must conduct a reasonable re-investigation to determine whether the dispute is valid. The only response I have received stated that they were in receipt of my dispute and to allow thirty days to respond. I have received many letter of this nature, with a thirty days response time. All responses have exceeded the required time frame. I am planning to relocate next year and purchase another home. I most definitely want to resolve issues with XXXX XXXX quickly, for I do not want any set backs, during the purchasing process.
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08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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To Equifax This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be validated or removed immediately : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized by me and I would like them to be removed XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. FDCPA section 807 violation misleading false reporting XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 9. inaccurate/invalidated account Prove it.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. FDCPA section 807 violation misleading false reporting XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. FDCPA section 807 violation misleading false reporting XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. FDCPA Section 807 Violation Misleading False Reporting. Please remove it from my credit report XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.
XXXX Account Number : XXXX Please remove it from my credit report.
19. 15 U.S code 1692e False or misleading representations. FDCPA Section 807 Violation Misleading False Reporting. 15 U.S code 1692f-Unfair practices XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. " Please VALIDATE that this DEPT belongs to me. I DEMAND to show me the ORIGINAL CONTRACT of this dept. If you can not support this DEPT this must be REMOVED. '' XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT Chapter XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 26. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. You are in VIOLATION of the 15 US. Code 51692e- False or misleading representation.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXX XXXX XXXX XXXX and Equifax on any of my consumer report to provide and exchange any information to each other.
Equifax is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INDEFINITELY AND IMMEDIATELY.
A year ago I sent Equifax a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
This account is not with XXXX XXXX XXXX XXXX XXXX XXXX have sold the account to a collection agency XXXX XXXX XXXX XXXX ) WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, XXXX XXXX, Equifax with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, Equifax is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX XXXX XXXX XXXX XXXX Equifax, the permission. I RESCINED any permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge a year ago Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXX XXXX XXXX XXXX XXXX XXXX have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. Equifax is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. Equifax IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXX XXXX XXXX XXXX XXXX Equifax to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX XXXX XXXX XXXX XXXX is suppose to send me a XXXX so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. Equifax and XXXX XXXX XXXX Credit is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice Equifax and XXXX XXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that Equifax and XXXX XXXX XXXX XXXX is abusing and violating.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off for false and misleading reporting Respectfully, XXXX XXXX
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11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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THIS IS NOT A DUPLICATE FILING IT CONTAINS NEW INFORMATION AND SUBMISSIONS TO SATE ATTORNEY GENERALS To Whom it may concern, I was a victim of Identity theft and I have been working with over 25 vendors and all three CRA for over a year to have them removed.
I was a XXXX agent and was intentionally struck by a vehicle as a pedestrian on a well child check by a mother. As a result, I suffered cervical and XXXX injuries and a XXXX XXXX XXXX that left me unable to care for myself and legally incapacitated and not able to make decisions for myself.
At that time, I became the documented victim of financial exploitation of a vulnerable adult.
I am also a domestic XXXX survivor and fled with my autistic son XXXX miles. I am now facing homelessness with the XXXX XXXX due to the lender and most importantly the CRAs refusal to address the negative marks on my credit file.
Despite not being legally responsible as I was not able to make financial decisions at the time, the documented financial exploitation by law enforcement, and dozens of attempts to remove the items the CRA and lenders refuse to remove the negative accounts thus resulting in inaccurate histories and a massive drop in my credit number and file. As a result, I have been unable to find permanent housing and my son, and I ( BOTH XXXX ) are suffering financially and are housing unstable.
The lenders, and the CRA, are aware of this.
Therefore, I am asking the credit agency to SPECIFICALLY LIST AND EXPLAIN the EXACT REASON why the block is being denied, and to provide SUBSTANTIVE EVIDENCE AND JUSTIFICATION THAT PROVES the account was either a result of an error on my part, a misrepresentation, or to list and PROVE that I received goods or services or should have known I received goods and services as a result of the fraud.
As I have stated DOZENS of times to the CRA : 1. This report now, and the dozens made prior regarding this account WAS NOT MADE IN ERROR. I am AWARE that I am making this dispute request.
2. This report now, and the dozens made prior regarding this account, IS NOT A MATERIAL MISREPRESENATION and my XXXX and injuries are supported by the Law Enforcement ( APS ) report and the fact that I am considered legally XXXX by the XXXX and receive SSDI as a result of the accident that left me unable to care for myself or make decisions for myself at the time of the fraud.
3. I have never received any monies or goods as a result of this account. It is documented that I was the victim of Financial Exploitation as a result of the injury by Law Enforcement, and the supporting documents and my XXXX proves it is IMPOSSIBLE for me to have known about any accounts taken out or monies/goods received at the time.
Once again, I would ask the supplier of this account and the CRA both be asked to provide INCONTROVERTABLE PROOF and SPECIFY which part of the CRA 605B they are using to deny my dispute.
The CRA continues to simply send canned information and use stale reports from unscrupulous vendors to not do its job. When asked they do not provide ANY information to support the decision whatsoever.
I would ALSO like to note that the FCRA DOES NOT require the FTC report to be filed with law enforcement it simply stated it needs to be filed to complete the requirements for removal. However, the CRA continues to ask for this requirement at times and refuses to accept the XXXX report as a Law Enforcement document despite readily admitting it is aware that XXXX is the proper agency to serve vulnerable adults and children in the state and it was properly filed and handled.
However, as I stated, it is a moot point as the FCRA does not require a Law Enforcement report to be filed whatsoever, so it is not needed.
I WOULD ALSO LIKE TO POINT OUT THAT THE FCRA SPECIFICALLY STATES : FCRA 605B Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
However each and every lender and CRA is using the excuse the file was provided and it contained the correct and updated information to keep the mark in the file. Just because the stale and invalid information is in the file does NOT MEAN IT IS NOT FRAUD AND SHOULD BE DELETED AND/OR BLOCKED.
Victims of fraud and abuse are being re-victimized by both lenders and the CRA.
The lenders continue to allow electronic signatures with NO VALIDATION or any contact with the lendee whatsoever. As a result, if someone has the basic demographic information of an individual or is a person with access to that information as a guardian including ones bank account, it is EASY for that person to take out accounts of all sorts without the victim ever knowing about it.
The lender then simply states it has an e-signature and they do not have to provide any proof they contacted the victim or have a physical signature, and often tell that victim they do not care who repays them someone will most likely the victim in order for them to retrieve their good name and credit.
This is PREDATORY in nature and an act commonly being used as the benefits far outweigh the negative financial losses for lenders. The lender then resells the loan and states they do not have it any longer and can not ( they can ) remove the mark from the file and ask for repayment anyway when they are aware of the fraud, or send stale and improper information to the CRA over and over to keep the negative account on file and pressure the victim revictimizing them over and over.
The CRA accepts this stale information to avoid addressing the fraud and likewise continue to make monies from the vendors and send out canned emails that do not address the issue and often are full of contradictory and incoherent wording. As stated above, they list multiple reasons for the denial to block, but NEVER state which reason is being used to support the decision and do not provide evidence whatsoever to the victim.
It is a vicious circle.
I would ask that the agency please step in and force the Lenders and the CRA to begin properly blocking and removing these items when fraud is committed, and to provide SPECIFIC reasons to base denials upon and not just provide the generic wording of the FCRA that DOES NOT address INDIVIDUAL problems.
ALSO, as I have ALWAYS DONE, I am providing all needed demographic information at the end of this letter, and attaching ID, utility bills etc. as required by the FCRA.
The agencies CONTINUE to deny and list as a basis they need this information, despite it being provided dozens of times.
I have also attached FTC reports, XXXX complaints, CFPB complaints, etc. In each AND EVERY COMPLAINT I provided all the above information, and it was provided by that agency to the lender and CRA yet they continue to claim they do not have it. This is either a result of incompetence, not reading the actual complaint or dispute, or intentional negligence.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( been there over 2 years and addresses the FCRA requirement ) SS ending in XXXX XXXX XXXX ID attached Utility attached XXXX XXXX XXXX Enforcement Attached XXXX FTC Theft Report Attached XXXX Complaint Attached State Attorney General Report Attached XXXX Complaint Attached Account information XXXX XXXX XXXX XXXX XXXX Date Opened XXXX {$580.00} in dispute Credit Limit XXXX ( This can not be a charge off SOLD and ALSO being reported as current LATE payments ( over XXXX at the time of this letter. I would DEMAND that I be shown the bills sent to me and that I had available credit or the ability to even pay this bill. Of COURSE I AM NOT ADMITTING IT IS MINE AND I WILL NOT PAY OR TAKE RESPONSIBILTY FOR IT. It is being reported against my debt ratio, yet according to the lender the account it PAID and SOLD. They are playing every side of the fence in order to force me to pay this off despite it not being mine, and their statement that it is sold and they have no recourse for it or that I owe them anything at this point they stated I needed to get the debt buyer to remove their mark ( WHICH THEY HAVE ) and there is nothing they can do abut their reporting WHICH IS FALSE. However, they WOULD TAKE PAYMENT ( which is double dipping. ) This needs removed COMPLETELY.
XXXX XXXX XXXX XXXX Date Opened XX/XX/ {$3700.00} writtten off This loan is not mine and needs removed immediately. It is the direct result of fraud, and when the XXXX discovered this they sold the debt. They now refuse to remove their mark. The debt buyer has removed their account from the file, and recognized it as fraud.
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08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Equifax This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be validated or removed immediately : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT Chapter XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA XXXX. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT Chapter XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 6. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT Chapter XXXX Bankruptcy Case Number : XXXX -THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA XXXX. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.
XXXX Account XXXX : XXXX - This is a violation of 5 U.S.C . 552a ( i ) ( XXXX ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is guilty of a misdemeanor and subject to a fine of up to {$5000.00}, if the official acts willfully. I did not receive proper notice. Please delete it NOW 28. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSEPRETENSES XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. FDCPA section 807 violation misleading false reporting.
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXXXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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02/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX, XXXX XXXX XXXX XXXX, and the Credit Reporting Agencies Took out a loan with XXXX for a vehicle in XX/XX/XXXX.
I defaulted on the loan and was late several times. My credit and finances were very poor at the start of the loan, and I struggled to keep up with payments throughout the time I had the car. I called the lender ( Santander ) several times throughout the possession of the car and they allowed me to " defer payments '' to the end of the loan without truly informing me of the future financial detriment that would cause, nor did they simply inform me of the implications of the deferments at all. Ultimately, I was unable to keep up with the extremely high car payments of nearly {$600.00} a month with an astronomical interest rate and was left to come out from work to being without a vehicle after an unwitnessed repossession of my vehicle.
Following the repo, I was sent several letters by XXXX stating the car had been auctioned and that I was still financially responsible for the difference.
In XXXX/XX/XX/XXXX, I was made aware only through various social media platforms that there had been a " COALITION OF 34 STATE ATTORNEYS GENERAL SETTLEMENT WITH XXXX CONSUMER USA '' in which I have always been a resident of one of the states included. In doing thorough research on the settlement, I recognized that I visibly fell within all the criteria to be a recipient of the settlement relief. I resided in a qualifying state at the time of the loan and still do ; my credit score was very subpar upon being approved for the loan ; I fell behind on months of payments during several periods within my possession of the car ; and I had the car repossessed after several years with the loan during a long-term loan agreement with the lender.
The following are the criteria which I meet, but still somehow have not received ANY resolution or relief, per the settlement outline on XXXX XXXX XXXX Consumers may be eligible for the following types of relief : 1. Restitution : XXXX must pay {$65.00} million in restitution to be divided amongst the 33 states and the District of Columbia. Over 265,000 consumers across the settlement states will be eligible for this restitution.
a. Who qualifies? You must have a gotten a loan with XXXX between XX/XX/XXXX and XX/XX/XXXX and XXXX must have given you a certain internal score at the time you got the loan. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. This is why consumers will have to wait for notice from the settlement administrator.
b. How much will restitution be per consumer?
i. The final restitution amount per consumer is not yet known, but the amount will be at least {$220.00} per consumer.
c. When can I expect restitution?
i. We do not yet have a date certain by which eligible consumers can expect a notice from the settlement administrator. Please check this website for updates.
2. Deficiency Waivers : XXXX is required to forgive the remaining balance on certain loans. XXXX will also request that the loans be removed from consumers credit reports. As with restitution, consumers who qualify for this relief will have to have had a certain internal score given to them by XXXX at the time they got their loans. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. Consumers who qualify for this relief will receive notice directly from XXXX, and not the settlement administrator. We will update this website when we know of an anticipated timeline for said notice. At a minimum, to qualify for this relief, you must meet the following : a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and b. Your car was repossessed or your account was charged off by XXXX within the first 12 months after you got the loan. Making a late payment or missing payments does not qualify you for a XXXX XXXX ; and c. You had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores.
3. Loan Forgiveness and Car Title : For certain consumers, XXXX sent the consumer title to the car and forgave the balance of the loan. XXXX did this until the value of the total amount of loan forgiveness across the participating states reached {$45.00} XXXX. XXXX will also request that the loans be removed from consumers credit reports. If you qualified for this relief, you should have received notice from XXXX in XX/XX/XXXX.
The consumers who qualified for this relief : a. Defaulted on the loan but the vehicle was not repossessed ; and b. Had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores.
Despite this, I never received a postcard stating I was qualified to be a part of the dispersion of settlement relief. I was hoping to be free financially and mentally from the burden of having been a client of XXXX, and I kept reading on the Settlement website for consumers that postcards had been mailed out in XXXX, and that they may take time to be delivered. I have never received mine. In XX/XX/XXXX through XX/XX/XXXX, I have contacted several entities about my eligibility. I first contacted XXXX XXXX, XXXX the handler of the settlement, several times in XXXX and XX/XX/XXXX to assure myself that I was indeed a recipient of relief and that perhaps they didnt have my correct information to mail me the appropriate postcard of eligibility. I spoke to several people who I gave three possible addresses to that could have been on file at the time my loan was active with XXXX. Several times I called back, thinking the last rep may have misspelled my name or address or created other errors in looking me up. None of them could find my name in their system. They instructed me to reach out to XXXX directly. I then called XXXX, who immediately notified me of my current outstanding debt, and asked how I would like to take care of it. I informed them I would like information on my eligibility in the settlement, and they then said they had no knowledge of that information or who could give it to me. I deferred back to the Attorney General in my state, and spoke with someone at the Attorney Generals Press Department, and then to another gentleman who instructed me to email the AG directly at XXXX XXXX XXXX. ( my state ) .gov, informing them that I am a victim of XXXX and their predatory sales practices. I received a very generic response basically stating the same information given to me by every representative I had spoken to by phone, with no offering of assistance or resolution.
Regarding the information being continually reported on my credit reports, there are SO MANY issues to outline. Please keep this in mind : I was successfully able to dispute the account from XXXX off of my XXXX credit report on XX/XX/XXXX after learning from other consumers how to do so, with no guidance from the agencies actually involved. However, for some reason, the other two major bureaus Equifax and XXXX continually report the account as Verified as Accurate every time I dispute the account as invalid due to the litigation, which is the same factual basis I used to successfully get the account off of my XXXX report. In making several secondary attempts at disputing the account for deletion, I was told on the phone by XXXX that they do not use other bureaus results to remove or verify information, although I have been made aware that credit reporting of an account has to be uniform in order to be considered accurate. In accordance with the FCRA, if an item is reported differently or inaccurately on even one bureau report, the information is considered invalid and must be deleted. These other two major bureaus report differing dates of delinquencies, and contradictory time frames and years of the 30, 60, and 90-day late periods, conflicting the actual dates/years I was late. I have also logged into my still active online account with XXXX, and it shows I have a current payment due as of XX/XX/XXXX, although they report the account charged off as of XXXX. There are monthly scheduled payments being falsely reported on my XXXX report, which I have NEVER agreed to with XXXX ; I have never scheduled payments or amounts to be paid with them. Since XXXX found validity in deleting the account, I submitted copies of the deletion to both other bureaus, expecting them to utilize the evidence to support the deletions on their end, but they will not. All they continue to do is update the account with a statement : Litigation pending despite several attempts at removing it.
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10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
On XX/XX/2020 - I sent XXXX, Equifax and XXXX certified letters requesting a block of information reporting as Unauthorized Charges from my Credit Report under FCRA 605B as a result of identity theft. I provided all three Credit Reporting Bureaus a copy of my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items.
I requested each Agency to please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and to notify all furnishers of this information.
On XX/XX/2020 - I contacted XXXX to check the status of my fraud case after verifying that my certified letter had been received by XXXX on XX/XX/2020 at XXXX and signed for by XXXX XXXX. I was notified by XXXX Fraud department that they had not received my block information despite the tracking number information I provided. To date, XXXX claims to have not received my official complaint package.
On XX/XX/2020 I contacted XXXX again to determine the status of my certified letter w/ my personal identifiable information included in the package. The XXXX Supervisor advised me of the status, which at that time, was still unknown. XXXX states that they have never received my certified letter & package, although I have evidence contradicting their claim. Furthermore, I provided the USPS Tracking # of the package in an effort to assist w/ locating my package. The Supervisor advised that she would give me a call before the close of business to provide an update. The Supervisor never returned my call.
On XX/XX/2020 I filed a formal complaint with the Consumer Financial Protection Bureau regarding the aforementioned concerns.
On XX/XX/2020 I filed an inquiry with the USPS regarding the status of my delivered package containing my personal identifiable information. USPS opened an investigation into the status of my package ( Service Request # XXXX ).
On XX/XX/2020 I received an initial contact from the Postmaster of the local Post Office in XXXX, Texas acknowledging my inquiry and to provide an update to the current status, which at that time was simply a notification of the investigation.
On XX/XX/2020 XXXX returned a response to Consumer Financial Protection Bureau ( CFPB ) indicating that they had in fact received my Identity Theft Reports, Fraudulent reporting information blocking request letters, proof of identity, police report, and FCRA 605B that was sent certified mail on XX/XX/2020 at XXXX by XXXX XXXX ; however, did not action my request because it appeared to be from someone other than myself, although I sent my personal identifiable information to verify my identity and their false claim of non-receipt the numerous times that I called to speak with a Fraud specialist.
On XX/XX/2020 I called the CFPB back after providing feedback to XXXX response. I notified the CFPB that XXXX response was unacceptable because there was no way this information could be from a third party as I was the person who filed the complaint and provided the documentation required to justify my complaint. The CFPB advised me that they closed the complaint out because the Company responded irrespective of sufficiency. The CFPB representative referred me to a legal resource in my area for additional assistance.
On XX/XX/2020 I contacted XXXX on a recorded line to question the status of the receipt of my certified documents. The XXXX representative stated that my documents were NEVER received nor updated in their system. The representative requested tracking # information for my certified documents. I provided the tracking # and then I, asked to speak to a Supervisor. The representative placed me on hold while she located her Supervisor. I was on hold for roughly 10 minutes before the representative returned to notify me that her Supervisor would be with me momentarily. She asked to place me on hold for another several minutes until the Supervisor became available. After waiting online for another 15 minutes, someone returned to line and hung up abruptly. I called back to XXXX and was on hold again for a total of 54:10 minutes On XX/XX/2020 - After several attempts to mitigate this matter online and via telephone, I contacted the XXXX Fraud Department again who advised that I send the documents again online via the company 's upload option. After several unsuccessful attempts, I contacted XXXX again and requested a direct link to send my documents so that they would be properly received, a fraud specialist told me to send my documents to a different address which would go directly to the Fraud department.
On XX/XX/2020 - I contacted XXXX Fraud Department again on a recorded line to inquire about the status of my identity theft documents that I sent online and in XXXX since they had responded to CFPB stating that they had in fact received my documents. Not to my surprise, the fraud specialist stated that she could not find any documentation in XXXX on their system. She did not even have information pertaining to my CFPB complaint. It appears that XXXX erased any data associated with my identity theft claim. Nevertheless, the Fraud Specialist managed to give me another address to send my claim directly to their department. The Fraud Representative told me that she submitted a form to resolve my issue of my identity theft concerns. She mentioned that it would take 3-5 Business days. She also recommended that I resend my identity theft documents to the following address - XXXX. XXXX XXXX, XXXX TX XXXX, which was different from the address that I mailed my original identity theft documents to on XX/XX/2020. She advised me that the XXXX XXXX that I originally sent my documents was the incorrect mailing address. She advised that the original address of XXXX. XXXX XXXX, XXXX TX XXXX was the box to send fraud alerts, not the official XXXX XXXX to resolve identity theft reports. All these calls were recorded. This call lasted 63:50.
On XX/XX/2020 - I RESENT my identity theft documents via certified priority 2-day delivery to the XXXX Fraud Department address that I received from the Fraud Specialist on XX/XX/2020. I sent the package certified mail to XXXX. XXXX XXXX, XXXX TX XXXX, attention Fraud Department. Certified Tracking # - XXXX.
On XX/XX/2020 - I tracked my delivery and discovered that my identity theft packaged arrived at the XXXX fraud Department on XX/XX/2020 at XXXX and was signed for by XXXX XXXX . I subsequently contacted XXXX again on a recorded call notifying them that I had RESENT my identity theft report, police report, FCRA 605B, proof of identity and Fraudulent information blocking request letters to the Fraud Department addressed given to me on and documentation as requested and wanted to check the status. I was informed by the Fraud representative that they had not yet received my identity theft package even though USPS tracking shows the package was received. I was advised by the Fraud Specialist that I should call back around XXXX XXXX 2020 to get a status and that my identity theft information should be uploaded in the system by then. I agreed to give XXXX another opportunity to mitigate this problem. This call was recorded.
On XX/XX/2020 I received an alert on my XXXX Credit Report that an account was added. I found this to be strange because I had not applied for any credit so I was baffled as to why a new account would be added to my credit file. Turns out, an account that I listed in my XX/XX/2020 FTC IDENTITY THEFT REPORT was ADDED to my XXXX Credit File on XX/XX/2020. Since my discovery was after XXXX normal business hours, I could not contact the Fraud Department until the next business day, which was on XXXX XXXX, 2020. I have proof of this addition because I printed reports before and after the addition of this fraudulent account.
On XX/XX/2020 I contacted XXXX again on a recorded line to inquire about the receipt of my identity theft documentation. The Fraud Specialist informed me that XXXX had NOT received my Identity Theft documents YET. This is when I knew that XXXX was WILLFULLY NEGLIEGIENT and were WILLFULLY BREAKING THE LAW as it pertains to FCRA 605B. Hence the reason I am here today. I want to file a CIVIL LAWSUIT against XXXX for WILLFUL NEGLIGIENCE. I made two calls to XXXX Fraud Department on XX/XX/2020. The first call was abruptly disconnected total call duration 4:15 ; The second call duration was 48:00. All calls were recorded.
As of XX/XX/2020 - Three additional FRADULENT accounts that were listed on my XX/XX/2020 IDENTITY THEFT REPORT sent to XXXX on XX/XX/2020 were LISTED on my Most RECENT CREDIT REPORT. XXXX STILL DENIES ever receiving my FTC IDENTITY THEFT REPORTS. Clearly, XXXX is in violation of the law 605B.
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09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing this complaint to CFPB about Equifax in hopes to gain removal from reporting any negative claim ( XXXX ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( XXXX ) primarily are due to my belief the Equifax has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately, accuratley and ONLY undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards, without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations against me satisfying at least the minimal criteria to satisfy the federal and my state 's applicable regulatory mandates for reporting. This means it needs to be reported to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBIE COMPLETENESS! NEITHER OF WHICH HAS EQUIFAX DONE as you will see further down in this letter.
Equifax either fails to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns that the negative information portrayed by the company is either ( 1 ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity against each, any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each, any or all consumer credit reporting repository ( ies ) is in fact done so without deviation, from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to the aforementioned maximum possible accuracy and completeness.
My concern is that Equifax either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX XXXX ) on which it plain as day states : " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemed legitimate, giving me the RIGHT I've exercised to CONTEST that Equifax 's inadequately asserted, but very conditional PRIVILEGE, to report information provably against me.
In my contesting of their privilege to report in this circumstance related to this filed CFPB notice I as well, did forward previously not successfully, responded to and even here and now currently demanded answered CHALLENGE to the mentioned Equifax, for them to demonstrate document proof confirming the information alleged against me on my consumer report, in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged against me!
As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments against me with antipodal antithesis, in my opinion, unjustly even hence my here and now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( XXXX ).
My demands for documented proof of Equifaxs adherence to reporting pertinence as is required of them has not been satisfied even to this date thereby forcing my hand to request the CFPBs authoritative intervention prior to my request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the Equifax 's reporting behaviors, regulated by law!
Please act now to have Equifax remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report.
I demand the accounts mentioned below to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the Equifax in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied against me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors!
XXXX XXXX XXXX - XXXX - I WAS NEVER LATE ON THIS ACCOUNT. I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report, per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
XXXX XXXX - XXXX - XXXX steps did you take to find the information you have provided? The date of last activity doesn't match. The original creditor does not match across all three bureaus. The creditor type doesn't match. I do not believe this is my account. Please provide your method of valdiation.
XXXX XXXX XXXX XXXX XXXX - XXXX - I was never late on this at all - DELETE THIS NOW! I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report, per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
XXXX XXXX XXXX - XXXX - The date opened on this account does not match the other bureause. There can not be a past due balance on a charged off account. The date of last activity does not match. Delete this inaccurate account from my report.
XXXX - XXXX, - Last activity date doesn't match. Date opened is wrong. The high balance doesn't match across all three bureaus. This is inacurate. Delete the account from my credit report immediately.
XXXXXXXX XXXX - XXXX - I WAS NEVER LATE ON THIS ACCOUNT. I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report, per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS. '' The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Therefore, I demand that you delete the above inaccuracies from my consumer report, this agency is in violation of 15 USC 1681!
Please provide documented proof that these accounts were verified or delete and/or update them immediately as I have previously requested multiple times!
Thank you for your assistance in this urgent matter, XXXX XXXX
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12/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH. REAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY. PLEASE DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re-age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof where accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed three years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows : XXXX XXXX XXXX has three accounts that they have been re-aging. In the state that I reside, the law states that a debt can only be collected for three years and said debt can not be re-aged and/or reported as open per FCRA rules and guidelines.
XXXX XXXX has an account that they have been re-aging. In the state that I reside, the law states that a debt can only be collected for three years and said debt can not be re-aged and/or reported as open per FCRA rules and guidelines.
Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports.
Thanks, Happy Holidays XXXX XXXX XXXX
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02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXXXXXX XXXX XXXX OF ARIZONA Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX AZXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX XXXX, Arizona XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NWWashington, D.C. XXXX CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : California XXXX XXXX XXXX of consumer complaints Sincerely, XXXX XXXX
|
08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Investigation took more than 30 days
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding inaccurate and unverified accounts that are currently appearing on my credit report. I am seeking your assistance in enforcing my legal rights under relevant consumer protection laws. These inaccuracies have had a profound impact on my financial well-being and have caused significant distress in my life.
As a diligent consumer, I have closely monitored my credit history to ensure its accuracy and to maintain my financial standing. However, I was dismayed to discover multiple accounts that have been inaccurately reported, and several of these accounts have not been properly verified. This situation has left me feeling helpless and anxious about my financial future.
The violations I believe have occurred include : Violation of the Fair Credit Reporting Act ( FCRA ) - Inaccurate Reporting : Creditor : XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : The reporting of inaccurate late payment information, which has significantly impacted my credit score and overall financial health.
Relevant FCRA Section : 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Violation of the Fair Credit Reporting Act ( FCRA ) - Failure to Update Inaccurate Information : Creditor : XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Despite my repeated attempts to correct the inaccurate information, the creditor has failed to update the reported data, which continues to harm my credit profile.
Relevant FCRA Section : 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Violation of Privacy Laws- Inclusion of Incorrect Address Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX This address belongs to someone else. Delete it from my report immediately.
Violation : Inclusion of incorrect personal information, including addresses, has compromised my privacy and potentially exposed me to identity-related risks.
Relevant Privacy Regulation : Gramm-Leach-Bliley Act ( GLBA ) Violation of the Fair Credit Reporting Act ( FCRA ) - Unauthorized Credit Pulls : Creditor : XXXX XXXX | XX/XX/XXXX XXXX do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXXXXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Numerous unauthorized credit pulls have been conducted without my knowledge or consent, causing unwarranted negative impacts on my credit score and financial reputation.
Relevant FCRA Section : 604 - Permissible Purposes of Consumer Reports This situation has been devastating for me. As a [ mention personal background, e.g., hardworking parent, responsible homeowner, etc. ], the accuracy of my credit report is pivotal to securing my family 's financial stability and future aspirations. The emotional toll of constantly battling these inaccuracies has taken away my peace of mind and created undue stress that affects both my professional and personal life.
I kindly request that the Consumer Financial Protection Bureau take action to enforce my legal rights under the applicable laws and regulations. I implore you to investigate the aforementioned violations and ensure that the responsible creditors promptly and thoroughly address these issues. Specifically, I request the removal of the unverified accounts from my credit report, allowing me the chance to rebuild my financial standing on accurate and fair terms.
I appreciate your time and attention to this matter. Your intervention would provide much-needed relief and allow me to regain control of my financial well-being. I eagerly await your response and resolution to this distressing situation.
Thank you for your understanding and assistance.
Sincerely, XXXX XXXX
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01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. XXXX XXXXXXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 90 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
2. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
3. Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
4. Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
5. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
6. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
7. XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
8. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
9. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
10. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
11. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
12. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
13. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
14. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
15. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
16. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
17. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
18. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
19. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
20. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
21. XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
22. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer is not correct. Delete it immediately from my report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NWWashington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
|
03/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
Creditor Name : XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : DEPT OF ED/NELNET ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
|
11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Equifax, XXXX, and XXXX continue to report my transaction history with XXXX XXXX XXXX on my consumer report. The account listed as XXXX XXXX XXXX is my personal consumer account which violated my consumer rights. Per the privacy acct of 1974 ( XXXX XXXX. XXXX ) I have a right to protect my nonpublic information from ever being shared without my written consent. The reporting agencies ASSUMED the role to furnish consumer reports but they must follow instructions from the consumer. I have not authorized them to furnish my transaction history from XXXX XXXX XXXX if you have such proof that bears my signature produce them immediately.
( XXXX ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding XXXX, XXXX, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such XXXX period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
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10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX, XXXX XXXX, California XXXX. I have provided a copy of my identification documents for you to verify my social security numbers. I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau. RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report. To Whom It May Concern, In the course of recently screening my personal Equifax credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX Account Number : XXXX - {$1200.00} -- This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
-- - XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - {$990.00} -- This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
-- - XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - {$900.00} -- This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX -- Account Number : XXXX - {$1400.00} - This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
5. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. - XXXX XXXX - Account Number : XXXX - {$710.00} - This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
6. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX XXXX Account Number : XXXX - {$150.00} - This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/ in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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EQUIFAX is reporting XXXX XXXX account # XXXX as an account balance of {$3200.00}. ( 1 ) Past Due - 30 days ( 1 ) Past Due - 60 days ( 8 ) Past Due - 90 days It is illegal to report transaction history. With that being said I demand EQUIFAX update XXXX Account XXXX XXXX as PAID AS AGREED immediately! EQUIFAX is reporting XXXX Account XXXX XXXX with an account balance of {$380.00}. I demand EQUIFAX delete this immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of {$3500.00} and a high balance of {$3500.00} completely different from XXXX and XXXX. EQUIFAX is reporting a monthly payment of {$36.00} completely different from XXXX and XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of {$3500.00} and a high balance of {$3500.00} completely different from XXXX and XXXX. EQUIFAX is reporting a monthly payment of {$37.00} completely different from XXXX and XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of {$5500.00} with a high balance of {$5500.00} completely different from XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXX with an account balance of {$1700.00} completely different from XXXX and a high balance of {$1700.00} which is completely different from XXXX and XXXX. EQUIFAX is reporting a monthly payment of {$18.00} completely different from XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of {$2000.00} which is completely different from XXXX and XXXX. EQUIFAX is also reporting a high balance of {$2000.00} which is completely different from XXXX and XXXXEQUIFAX is reporting a monthly payment of {$20.00} completely different from XXXX and XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of $ XXXXEQUIFAX is reporting a high balance of {$1700.00} which is completely different from XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of XXXX XXXXXXXXEQUIFAX is reporting a high balance of {$1400.00} completely different from XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXXDEPT OF ED Account XXXX XXXXXXXX with an account balance of {$1100.00} completely different from XXXX. EQUIFAX is reporting a high balance of {$1000.00} completely different from XXXX and XXXXEQUIFAX is reporting a monthly payment of {$10.00} completely different from XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXX/DEPT OF ED Account XXXX XXXXXXXX with an account balance of {$2100.00} completely different from XXXX and XXXXEQUIFAX is reporting a monthly payment of {$21.00} completely different from XXXX and XXXXEQUIFAX is reporting a high balance of {$2000.00} completely different from XXXX and XXXX. I demand EQUIFAX update XXXXDEPT OF ED as PAID AS AGREED immediately! EQUIFAX is reporting XXXX XXXX XXXXXXXX Account XXXX XXXX with a balance of {$2500.00}. I demand EQUIFAX delete this immediately! EQUIFAX is reporting a collection with XXXX XXXX XXXX account XXXX XXXX with a balance of {$66.00}. Equifax is the only credit bureau reporting this inaccurate information, XXXX and XXXX are not. I demand EQUIFAX delete this immediately! Equifax is also REPORTING 2 DIFFERENT SOCIAL SECURITY NUMBERS on my consumer report! This is absolutely unacceptable and complete fraud! This is a complete violation of the Privacy Act of XX/XX/1974, because if there are 2 social security numbers reporting on my consumer report, I have a strong feeling my social security has also been exposed and sold and is currently being reported on someone elses credit report! USC 1681 Permissable Purpose of consumer reports states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not consent, nor have I ever given written consent, or instructions to XXXX, Equifax, or XXXX to report any such information that is currently reflecting my credit report! Equifax, XXXX, and XXXX are reporting different names on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I immediately request of all inquiries on my consumer report be deleted by each credit bureau XXXX, XXXX and Equifax as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Not only have these credit reporting agencies stolen and sold my information but as a result of such inaccurate information and fraud being committed, Ive suffered emotional, and physical damages and lots of sleepless nights. I have been harassed on the phone for months straight by debt collectors attempting to extort me for money under duress! I have suffered severe XXXX which I am currently seeing a doctor for. Ive been denied my right of extension of my credit time and time again which has resulted in me missing my grandfather 's funeral, my inability to find housing, and the basic needs of life for me to properly thrive. I expect to fully be compensated per violation for the emotional and mental distress Ive suffered because of these agencies according to the law : XXXX, Equifax, and XXXX.
15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
PRIVACY ACT OF XX/XX/1974 The Privacy Act of XX/XX/1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.
15 USC 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 15 USC 1692e The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 15 USC 1692k Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and
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06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Ive reached out to on XX/XX/XXXX to XXXX/EQUIFAX dispute department, XXXX XXXX XXXX, Ive sent papers from the US Justice Department with XXXX XXXX XXXX United States v. Defendants XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX Docket Number XXXX ) XXXXXXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C- 2 theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt XXXXXXXXEquifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have sent over a state.
Attorney Generals report a FTC complaint an BBB COMPLAINT about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts hat my ( SSN ) belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXEQUIFAX/XXXX A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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10/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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On XX/XX/23 I disputed fraudulent hard inquires on my Equifax credit file through the CFPB. COMPLAINT XXXX. XXXX On XX/XX/23 the disputed hard inquires came back verified. Care was not taken into this matter as it has yet to be resolved in a manner that is fair and equitable to me, the consumer, per the FCRA regulations. I explained the violations your agency is committed under the FCRA, while informing your agency these items were reported without my expressed written consent violating the permissible purpose section of the FCRA. This leads to the way of identity theft, violating the block of information resulting from the identity theft section, which leads to a violation of the civil liability section of the FCRA. I also stated I want the certifications ( documents ) not verification which is required in order to pull a credit report. Your agency has clearly refused to follow the law and to honor my previous request so I am requesting a reinvestigation and demanding your agency explain your method of verification in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in case of disputed accuracy section. 15 USC 1681i ( 7 ) which states : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
The law clearly states : Shall is an imperative command, usually indicating that certain action are mandatory, and not permissive. This contrast the word may, which is usually used to indicate a permissive provision, ordinarily implying some degree of discretion.
This means that the term shall is a term that states something is mandatory and I am demanding an adequate answer no later than 15 days or these items must be deleted.
I have suffered emotional distress as a result of this matter and I have been XXXX and XXXX as a result so I demand that this matter be resolved in a fair and equitable manner, which still hasnt been done.
A consumer report is defined as the following under the FCRA ( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Its important the items above have not mentioned the use of FICO which is literally the scoring system used by your agency to judge me as a consumer. FICO is not included in the consumer report and is a factor your agency has taken upon themselves in the role your agency has assumed, per the Fair Credit Reporting Acts congressional findings section which states the following : ( a ) Accuracy and fairness of credit reporting Congress make the following findings.
3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Because consumer reporting agencies like your agency have ASSUMED the vital role, Congress explained how it important to respect the right to privacy as stated in the following : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Again the items I am disputing are as follows : XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023.
Reason : These hard inquires were reported without my written consent therefore is a result of identify theft ( as defined by the Federal Trade Commission ), and the hard inquires shall be deleted. These accounts are not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report these accounts, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. I demand you delete these items from my consumer report.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
In addition, your agency has violated my consumer rights and violated federal law under the permissible purpose section ; theres proof in 15 usc 1681b ( 2 ) of the FCRA which is listed below ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.
I clearly did not given your agency written permission or written instruction to report this information. Your agwith these creditors against me in committing aggravated identity theft and I have sustained detention of my character, just to name a couple of damages should this matter escalate to court.
I am distressed that you have included information below into my consumer file and that you have failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports you publish, which is a violation of the FCRAs compliance procedures section, 15 usc 1681e ( b ).
I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are fraud that I did not authorize.
The FCRAs block of information section ; 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Again, I have provided all 4 pieces of information and I expect these listed accounts above to be blocked and deleted within 4 business days of your receipt of this notice, otherwise you are in violation of my rights under the FCRA once again.
If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receipt of this notice per 15 usc 1681c-2 and inform me of your method of verification per 15 usc 1681i ( 7 ), as my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter end up in court.
I have suffered emotional distress and as a result of this matter and I have felt XXXX as a result. Therefore, I am compelled to escalate this matter and request a fair and equitable resolution through arbitration, per Equifax arbitration agreement.
Despite my previous communication efforts regarding this topic, this matter has not been adequately and fairly resolved as the FCRAs congressional findings section honors.
I am aware that under Equifaxs arbitration agreement that Equifax is responsible for paying filing fees if the consumer in writing ask Equifax to do so which Im requesting. However, considering the substantial cost associated with the arbitration process, I am providing Equifax with an opportunity to avoid these expenses altogether.
Delete these items and issue me a new, updated consumer report Thanks, XXXX XXXX. XXXX
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04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the collection account placed on my credit report by XXXX XXXX XXXX, which was the original creditor XXXX XXXX XXXX XXXX The account number is XXXX.
According to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX violated Section 607 by failing to provide accurate information to the consumer reporting agencies. Specifically, they falsely reported my payment status as past due 120 days without ever notifying me or providing any paperwork. Additionally, XXXX and Equifax reported negative information on my account, but XXXX did not.
XXXX XXXX XXXX also violated Section 611 by failing to follow proper dispute procedures. I never received any notification regarding this past due status, yet it was reported on my credit report. When I disputed the accuracy of the information with the consumer reporting agencies, XXXX XXXX XXXX failed to investigate the dispute and correct the inaccurate information.
Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) was violated by XXXX XXXX XXXX under Sections 807 and 808 for falsely reporting information and engaging in unfair practices. They also violated Section 809 by failing to properly validate the debt and respond to my requests for information.
In addition, the Fair and Accurate Credit Transactions Act ( FACTA ) was violated by XXXX XXXX XXXX under Sections 312 ( a ) ( 1 ), 312 ( b ), and 312 ( c ) by failing to provide accurate information, correct and update information, and verify disputed information.
Under the Truth in Lending Act ( TILA ), Section 128 and 129, XXXX XXXX XXXX violated requirements for accurate information and open-end consumer credit plans.
XXXX XXXX XXXX also violated the Real Estate Settlement Procedures Act ( RESPA ) under Sections 2605, 2607, and 2608 by failing to properly service my mortgage loans and administration of escrow accounts, accepting kickbacks and unearned fees, and causing liability of the seller.
Finally, the Equal Credit Opportunity Act ( ECOA ) was violated under Sections 701, 703, 704, and 707 for prohibited discrimination, administrative enforcement, civil liability, and prohibited acts.
I have noticed that XXXX XXXX XXXX has reported different information to different credit bureaus, including inaccurate account type, date opened, and high credit balance. These inconsistencies have had a negative impact on my credit score and my ability to access credit.
As per the Fair Credit Reporting Act ( FCRA ) Sections 607 and 623, it is the duty of furnishers of information to consumer reporting agencies to ensure that the information they report is accurate. However, in my case, XXXX XXXX has failed to fulfill this obligation, which has resulted in unfair and damaging effects on my creditworthiness.
XXXX XXXX XXXX The information provided by the creditor is incomplete and inaccurate, which has had a negative impact on my credit score and my ability to access credit.
According to the Fair Credit Reporting Act ( FCRA ) Section 607 and 623, XXXX XXXX has failed to report accurate account type, monthly payment amount, and high credit balance to all three credit reporting agencies. Furthermore, XXXX XXXX may have failed to correct inaccurate information on my credit reports, which is a violation of Section 623 of the FCRA.
In addition, XXXX XXXX may have violated the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312 ( a ) ( 1 ) by reporting inaccurate information to the credit reporting agencies, including the account type, monthly payment amount, high credit balance, and last reported date. These inaccuracies have caused significant harm to my credit standing and financial well-being.
XXXX XXXX XXXX on my credit report. I have discovered that XXXX XXXX has reported inaccurate account type, monthly payment amount, and high credit balance to some of the credit reporting agencies. Additionally, XXXX XXXX has failed to correct the inaccurate information on my credit report.
These inaccuracies have had a significant impact on my life. Due to the erroneous information on my credit report, I have been denied credit, employment, and other opportunities. This has caused me undue stress and hardship, and has negatively affected my financial well-being.
I believe that XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) in several ways. Specifically, XXXX XXXX may have violated Section 607 of the FCRA by failing to report accurate account type, monthly payment amount, and high credit balance to all three credit reporting agencies. Additionally, XXXX XXXX may have violated Section 623 of the FCRA by failing to correct the inaccurate information on my credit report. Finally, XXXX XXXX may have violated Section 312 ( a ) ( 1 ) of FACTA by reporting inaccurate information to the credit reporting agencies, including the account type, monthly payment amount, high credit balance, last reported date, and date last active.
XXXX for account number XXXX. According to my credit report from XXXX, the payment status is listed as Collection, but I have never received any notification from XXXX regarding this collection account. Additionally, the other two credit bureaus are not reporting any negative information on my account.
I believe XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 609 - Disclosures to Consumers, as XXXX failed to provide me with written notice of the negative information placed on my credit report. Section 611 - Procedure in case of disputed accuracy, as XXXX failed to investigate the disputed negative information in a timely manner. And Section 623 - Responsibilities of furnishers of information to consumer reporting agencies, as XXXX failed to correct inaccurate information on my credit report.
XXXX. Specifically, the account number XXXX has been reported inaccurately to the credit reporting agencies, with conflicting information on the account type, details, and high credit balance.
Furthermore, XXXX has reported that the payment status is seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department, but I have never received any notification from XXXX regarding this collection account. I have also not been provided with any paperwork by XXXX or the collection agency, and the other two credit reporting agencies have not reported any negative information on my account.
This inaccurate and unverified information has had a significant impact on my life. It has made it difficult for me to obtain credit, resulting in higher interest rates and unfavorable terms. It has also caused me emotional distress, as I have worked hard to maintain good credit and financial responsibility.
I believe that XXXX has violated several sections of the Fair Credit Reporting Act, including Section 607, 623, and 616. Furthermore, if XXXX has assigned the account to a collection agency, they may have violated Section 809 by failing to provide me with written verification of the debt upon request.
XXXX XXXX XXXX XXXX According to my credit reports from XXXX and XXXX, there are discrepancies in the account information being reported by XXXX & XXXX XXXX
XXXX is reporting the account type as a revolving account, while XXXX is reporting it as a charge card. Additionally, XXXX has not reported the number of months/terms for the account, whereas XXXX is reporting it as a revolving account. Furthermore, XXXX is reporting a high credit balance of {$5100.00}, which XXXX did not report.
Furthermore, XXXX is reporting that I was 120 days late on XX/XX/XXXX, but I have not missed any payments on this account. XXXX XXXX XXXX has failed to correct this inaccurate information on my credit report.
These inaccuracies have had a severe impact on my life. I have been denied credit and loans due to these negative marks on my credit report, which has prevented me from being able to purchase a home and provide for my family. It is unacceptable that XXXX XXXX XXXX has reported false information that has had such a detrimental effect on my life.
I am requesting that XXXX XXXX XXXX remove these unverified negative marks from my credit report immediately. These actions may be in violation of Section 607 and 623 of the Fair Credit Reporting Act ( FCRA ), as well as Section 610 which requires written notice of negative information placed on a credit report.
I urge the Consumer Financial Protection Bureau to enforce these laws and hold XXXX XXXX XXXX XXXX for their actions. Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
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09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have asked this company to remove my financial information from my consumer reports and they denied it. Because of this, they have defamed my character and caused me damages. I could not purchase a home or get approved for another credit card. I demand that this company complies with federal law because they have violated both my privacy and FCRA laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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07/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have a credit card account on all 3 of my credit reports for a company named XXXX XXXX. In XXXX of XXXX there was an issue with fraud on my account in which multiple transactions occurred. I did not make an of those transactions because my credit card was stolen. I submitted a fraud claim with XXXX XXXX at the beginning of XX/XX/XXXX. On XX/XX/XXXX I received confirmation that they received my claim, a provisional credit was added to the account, an investigation has begun and should take 2-3 billing cycles to complete. On XX/XX/XXXX I received a letter stating that a credit of {$1300.00} has been reversed on my account because a copy of the charge was reviewed and deemed accurate. On XX/XX/XXXX I received a letter stating the remaining credit of {$750.00} should be considered permanent because the remainder of their investigation was in my favor. At this point I am very confused so I contacted XXXX XXXX sometime in XX/XX/XXXX and asked why the entire investigation wasn't in my favor and I was told that two merchants said that I have done business with them before and so they closed the investigation and reversed the credits. I explained that I have not done any business and I gave nobody permission to do business with any of these two companies using my name or credit card. I was told that they would put in a request to reopen the investigation. Now we are entering the month of XXXX and I received any kind of letter stating the investigation was reopened. I called back to speak with someone to find out what is the status of my account and I was told that nobody ever submitted a request to reopen your investigation. So I am pretty upset at this point, I spoke to a supervisor and explained all of this to them and requested a call back to confirm my investigation will be reopened. They requested I send additional information so I sent a police report, an affidavit and a statement to them. Sometime at the end of XX/XX/XXXX someone reached out to me and informed me that they are going to reopen my investigation for the remainder of the charges. I specifically confirmed with the woman on the phone that they were going to include all transactions from these two merchants in the investigation associated with this account since they claim I've done business with them in the past. I was told yes sir will investigate everything for you. On XX/XX/XXXX I received a letter stating that they have completed their investigation and that they have re-issued the credits to my account that were reversed on XX/XX/XXXX and that they consider this investigation completed and closed. At the end of the year I started receiving credit alerts from XXXX XXXX and the reports were saying that I have multiple payments that were late, a balance of {$1300.00} and that my account has been closed and charged off. I don't understand this because based on the letters I received this account should have a {$0.00} balance and should be in good standing. I contacted XXXX XXXX on XX/XX/XXXX, spoke with XXXX from the security department. She said that it should be a {$0.00} balance according to the notes and information that she is seeing. She stated that she will send this account up to her managers so that they can update the account properly on my credit reports. I called back on XX/XX/XXXX after not seeing my credit reports updated. I spoke to XXXX a fraud department supervisor and she sent me information for review to her managers so that my credit report and account can be updated correctly. She also requested someone to call me back to discuss this matter. On XX/XX/XXXX I spoke to XXXX in the security department and faxed a copy of my credit report to their credit bureau XXXXnteraction team along with a statement of everything that happened. On XX/XX/XXXX I spoke with XXXX a fraud protection specialist and he requested my investigation from XXXX be reopened. I received a letter on XX/XX/XXXX stating that they initiated an investigation, looked into my claim and determined that there was no fraudulent use of this account. I demanded a manager call me back to discuss this account and on XX/XX/XXXX I received a phone call from XXXX from the fraud team and she explained what happened with my account. She said that all transactions that were part of the original investigation were credited but the additional transactions from XXXX XXXX XXXX were that should've been investigated as fraud should have been investigation so now they need to investigate those transactions and so she put in a request for copies of my statements to be sent to me since my account was now closed. On XX/XX/XXXX I received a letter from a collections agency called XXXX XXXX XXXX attempting to collect {$1300.00} on behalf of XXXX XXXX. I finally received the statements on XX/XX/XXXX, Highlighted those transactions in question and contacted XXXX XXXX to reopen the investigation. I called that same day and spoke with XXXX ID # XXXX from the fraud security department and he put in the request to have my investigation reopened. I received a letter on XX/XX/XXXX stating that they have opened an investigation and listed the transactions and amounts of the transactions. I receive a letter on XX/XX/XXXX stating that they completed their investigation, looked into my claim and determined that there was no fraudulent use of this account. I contacted them immediately to find out what is going on. I spoke to someone in the security department about the investigation and they gave the same answer that they gave to me in XX/XX/XXXX that the merchant in question said that I have done business with them before and this is an outright lie and I have already given them proof in the form of a statement, an affidavit, a police report and the lost and stolen report of my credit card and drivers license. This should be more than enough evidence considering they've already credited a transaction from this merchant already at the end of XX/XX/XXXX. I explained all of this and requested this be reviewed again. With this pandemic going on I heard no responses by mail or phone from this company. I was finally able to get through to them on XX/XX/XXXX, as I spoke to XXXX about the status of this investigation and she informed me that the request was submitted on XX/XX/XXXX, was reopened on XX/XX/XXXX and they started to work on it on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that they completed their investigation, looked into my claim and determined that there was no fraudulent use of this account.So by this time whoever is reading this I hope you are as frustrated as I am with this company and how they do business. I apologize for this long letter but I had to get my point across and show you how ridiculous this whole process has been and now we are well over a year later. So needless to say I contacted XXXX XXXX on XX/XX/XXXX and for the third time since XXXX of XXXX spoke to XXXX from the security department. I explained everything to him from start to finish and I think he remembered me because he thinks that this whole thing is unprofessional and wasn't handled properly from the beginning. He looked into what happened with this last investigation and it looks like there was a lack of proper communication in the form of the person that filed the request for this account and those transactions to be re-investigated never put in the notes that this merchant is linked to another investigation in which was found in my favor because all the necessary supporting documents were provided in order to complete the original investigation and that all the remaining transactions from XXXX XXXX XXXX were never included in the original investigation as requested so once again another investigation was not reviewed and completed properly. He submitted a request to have the claim reopened as well as having an investigator call me back to discuss this claim and what went wrong and to also discuss having my account reopened, taken out of collections, credited properly and to have any late payments or negative activity removed from my credit report. As you can read I have made many attempts to resolve and correct this account with no end in sight. I have disputed this account many times with all of the credit bureaus and have gotten nowhere during that process as well. This entire process has been frustrating and now its causing me personal problems because I have to explain this mess of a negative account to both my employer and landlord who check my account periodically. This needs to end now so I am reached out to you for help. Thanks for reading this extremely long letter and I hope we can resolve this matter ASAP.
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10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account Number:XXXX This is not mine. 3.The following account is not mine XXXX Account Number:XXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account IXXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXXXXXX XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXXXXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXX Account Number:XXXX My parent has the same name as me. 25.Validate Account XXXX Account NumberXXXXXXXX Please supply information on how you have verified this item. 26.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXXXXXX Account NumberXXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXXXXXX Account NumberXXXXXXXX Please Update all payment, all pay was made on time. The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dont belong to me XXXX XXXX XXXX
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08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Penalties for these inaccurate accounts 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
- Form 1099-C : Cancellation of Debt 1099-C : Cancellation of Debt?
Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service XXXX IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. Taxpayers who receive the form must report the amount indicated as other income as their tax return. The amount must be included on annual tax returns even if it is less than {$600.00} and if the issuer doesn't send a Form 1099-C.
- 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S. Code 1681d - Disclosure of investigative consumer reports ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).
( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ).
( d ) Prohibitions ( 1 ) Certification A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report.
( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation.
( 3 ) Certain public record information Except as otherwise provided in section 1681k of this title, a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished.
( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
- 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
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10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy.
15 U.S.C 1681 section 602 A. States, I have the right to privacy.
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Accounts XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account.
XXXX. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized AN # XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized CXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX # XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXXXXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
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01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. The inquiry was not authorized XXXX FINANCIA Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
15. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
16. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
17XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
18. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
19. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
20. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
21. XXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
22. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
23. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
24XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
25. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
26. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
27. XXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
28. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXXXXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( XXXX ) by Original Creditors on my Equifax Credit Report.
Dear Equifax, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code & 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, and I noticed Unauthorized inquiries on my Report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( XXXX ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SSN XXXX and My Birthday XX/XX/XXXXXXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXXXXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXXXXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
Dear Equifax, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code & 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, and I noticed Unauthorized inquiries on my Report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( XXXX ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( XXXX ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SSN XXXX and My Birthday XX/XX/XXXXXXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXXXXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, XXXX XXXX XXXX Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX, Chapter XXXX XXXX Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : have violated my rights XXXX
, XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$15000.00}, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX Account # : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX Account # : XXXX, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX, XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$0.00} {$10.00}, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX Account # : XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$1700.00}, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$2800.00}, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$1700.00}, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX High Balance : {$1700.00}, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$3000.00}, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, This letter is being sent to you in response to notices sent to me from your company and more importantly , due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report . Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { Experian, Equifax or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
|
05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last XXXX of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
Dear Equifax, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code & 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and I noticed Unauthorized inquiries on my Report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you equifaxs, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my XXXX XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( XXXX ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last XXXX of my XXXX XXXX Birthday XX/XX/XXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
My name is XXXX XXXX XXXX. My social security # is XXXX and my date of birth is XX/XX/XXXX. Enclosed please find a copy of identification as proof of identity and current mailing address.
I demand to see verifiable proof ( ie. Original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof you must remove the account listed below.
I demand that the following account be verified or removed immediately.
I respectfully request to be provided proof of this alleged item, specifically the contract, note of other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last two years for employment purposes.
Additionally, please provide the name, address and telephone number of each credit grantor or subscriber.
Under the federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided to me within fifteen ( 15 ) days of the completion of your investigation.
In addition, please remove all non-account holding inquiries over 30 days old. Also please add a promotional suppression to my credit file.
Under the federal law you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided to me within fifteen ( 15 ) days of the completion of your re-investigation.
Thank you, XXXX XXXX XXXX XXXX XXXX sent me a copy of the repossession letter which is included with this formal demand letter. It advises the vehicle was repossessed XX/XX/XXXX and the repossession status is listed on my credit report. I was sent the repossession letter from XXXX who represents XXXX XXXX. The letter was received by me on XX/XX/XXXX. XX/XX/XXXX I called XXXX XXXX and spoke with XXXX again and she advised me XX/XX/XXXX she got a notification that the vehicle was not picked up nor seized and that I had called XX/XX/XXXX and was advised to contact my local police department. I did not call XXXX XXXX XX/XX/XXXX, the last time I spoke with XXXX XXXX was XX/XX/XXXX when I obtained the repossession letter and my phone records I am attaching proves that I did not call XXXX XXXX XX/XX/XXXX which gives me reason to strongly believe this representative of XXXX XXXX not only accessed the auto loan file without my knowledge but also without me on the phone which is violation of my personal information and not under any circumstances shall an individual other than the consumer enter and work in a consumers file without their knowledge, presence nor authorization and it just goes to prove even more that the account has not been accurately documented within XXXX XXXX file because I have had several situations with them when information advised to me before this was not documented ( ie. When I spoke with XXXX in the XXXX XXXX Legal Department, she advised me when I contacted her about the vehicle fuel line busting the same date of purchase XX/XX/XXXX and the motor blowing up XX/XX/XXXX less than 30 days of date of purchase that XXXX XXXX could cancel the auto loan and make the dealer take the vehicle back and she said we just had to take the vehicle to multiple shops for inspection and if it is deemed as a non-fit vehicle then they would cancel the contract. We did just that and then contacted XXXX and she then advised she had to no way of cancelling the contact which is obviously not what she had advised prior ( multiple times ) so I asked for her supervisor and I spoke with him and I told him to listed to the past phone calls that way he could hear that I was advised multiple occasions that XXXX XXXX could cancel the auto loan. The supervisor called me about 3 weeks later and he said he did not hear her say anything about cancelling the contact which is a lie if ALL of their calls are monitored and recorded ) I was also advised from the supervisor a lot of the conversations XXXX and I had were not documented with the information discussed and given. I purchased the car fax online and the before purchase the vehicle was in an accident as well as failed emissions twice, the second time was right before it was purchased by me and the other party on this auto loan XXXX XXXX XXXX which at the time of purchase was not disclosed to us from the dealer XXXX XXXX.
Now back to the recent phone calls with XXXX XXXX, I called XX/XX/XXXX and I spoke with a representative named XXXX in the redemption department and she advised me I needed to speak with the repossession department and she transferred me and I was connected with a woman named XXXX and she then told me they all of a sudden did not have the address on file where the vehicle was repossessed from which is not true because I provide them with the address several times in the past. Yet now XXXX XXXX advised me they no longer have the address on file. I asked her for the repossession company 's name and phone number and she refused to give me their contact information and then advised me, I am only able to give you that information if you are trying to get the car back I told her I would like the phone number so I can reach out to them since XXXX XXXX is claiming to all of a sudden not have the vehicle yet I have the repossession letter. XXXX XXXX is also reporting an incorrect balance of {$15000.00} and the correct balance was {$13000.00} which is the amount signed for with the contract as well as the auto loan is reported under the wrong address XXXX XXXX XXXX XXXX. I have the repossession letter from XXXX XXXX XXXX XXXX is claiming they now do not have possession of the vehicle and they are reporting this vehicle as a repossession on my credit report as well as XXXX XXXX XXXX XXXX credit report.
The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Consumer fraud, as defined by Arizona law, is any deception, unfair act or practice, false statement, false pretense, false promise or misrepresentation made by a seller or advertiser of merchandise. In addition, concealment, suppression or failure to disclose a material fact may be consumer fraud if it is done with the intent that others rely on such concealment, suppression or nondisclosure. Merchandise may include any objects, wares, goods, commodities, intangibles, real estate or services.
XXXX XXXX XXXX, one of the largest U.S. subprime auto lenders, has agreed to pay {$27.00} million to resolve claims by Massachusetts ' attorney general that it misled investors and made high-interest loans to borrowers that it knew they would be unable to repay. XXXX XXXX has multiple lawsuits for their negligence and not abiding by the law.
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12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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EQUIFAX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my Equifax consumer credit bureau. I would like this inaccurate account late payment ( XXXX/2022 ) removed from my credit report and made paid immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau XXXX I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my Equifax consumer credit bureau XXXX I would like this inaccurate account late payment ( XXXX/2022 ) removed from my credit report and made paid immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau . I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX consumer credit bureau. I would like this inaccurate account late payment ( XXXX/2022 ) removed from my credit report and made paid immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau . I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX consumer credit bureau. I would like this inaccurate account late payment ( XXXX/2022 ) removed from my credit report and made paid immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, XXXX ( Original Creditor : XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
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05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( XXXX ) by Original Creditors on my XXXX Credit Report.
Dear XXXX, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( XXXX ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SSN XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX ( a ) ( XXXX ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXX XXXX XXXX, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Negative attachment Online Personal Credit Reports & Credit Scores, XXXX and Equifax show different scores, none lining up with what XXXX has. Not only that, but XXXX shows 22 positive accounts when there should be 21, with Equifax showimg 23 which is not accurate. All aging negative accounts are showing a phone number I do not have any longer.
This is all on XXXX, and I took a look on XXXX, only to find out more. First off, instead of receiving a free credit report I should get to see when pulling it up online, however, it makes new users sign up on the site.
Upon reviewing my {$8.00} a month credit report, I have come across the following misinformation.
A completely different score, higher than the one on XXXX from XXXX. Both on XXXX and on XXXX, when I pull up my credit report from XXXX, XXXX, and Equifax, all three show 30 day, 60 day, and 90 day Late Payments on my credit report. I did not give any credit report agency, nor did I give any data furnisher permission to do so, nor did I even give them written instructions. The inaccuaracies that are still on my credit report, especially after attempted disputes, violate 15 U.S. Code 1681e - Compliance procedures ( b ) for the law states, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX also made a false statement that " I can not afford to make payment for the credit cards due to Extensive medical bills ''. What I said was, " There is Payment Issue at work, it has been slow, and how that has been a problem for some time. '' I find the false statement made by XXXX on my Credit Report Defaming, very damaging, and in violation ( per se ). I never gave XXXX, nor XXXX, nor Equifax permission to furnish an account on my credit report.
15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Under 15 USC 1681b purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15. U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; One summarizing note I make on this is that after the trial ended, XXXX repeatedly attempted to charge me again, and again for their subscription, which lapsed. As of now they are still doing this, and I have not authorized them to do so. XXXX will not remove the card I have on file, in order to stop attempting to charge me.
I sent out letters to XXXX, XXXX XXXX, and Equifax on XX/XX/XXXX to Investigate information on the accounts listed below. I told all three credit bureaus, Equifax, XXXX, and XXXX to " investigate every piece of information '' on the accounts listed below. I have also attached the letter I sent out and here are the Tracking # s.
XXXX - XXXX XXXX - XXXX XXXX- Equifax XXXX- Equifax XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, the term " investigate consumer report '' means a comsumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. All three credit bureaus stated my accounts are verified, but how can that be if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate.
According to the FRCA 15 USC 1681 everything has to be 100 % accurate.
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiallity under 15 USC 1681.
Account Name : XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX XXXX XXXX XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXXXXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX XXXXXXXX Type of Account : 60 Day Late Payment Account # : XXXX has violated my rights.
Account Name : XXXX XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX XXXX XXXX XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
It has been over 30 days, only to be met with improper responses from XXXX and Equifax, no response from XXXX.
Appaling, because I have provided the necessary information in order to assist all three in their Investigation.
All three not only false accused me of being a credit repair agency, but have also asked me for more personal information than I have sent already. But, I complied in order to further assist. They are required by the FCRA to respond properly, and all three failed to do so. According to the Fair Credit Reporting Act 15 USC 1681, this is a violation for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681N ] I have made the attempt to dispute with all three credit agencies about this. Item anchoring remain with no change on my credit report. I feel as if I am taken advantage of and being ignored by my disputes. Section 611 ( a ), it states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
They should be deleted promptly. I waited 30 days, received my investigation, and everything is still the same. All three consumer reporting agencies which is Equifax, XXXX, and XXXX did not modify, nor removed anything. The date opened is incorrect, date last active incorrect also on all three credit reports, which is a violation. Monetary harm has resulted clearly, and is unacceptable as well. I acquired my credit report, and asked the credit bureaus to check to ensure everything was complete and accurate according to 15 USC 1681i ( 5 ). I demand the accounts deleted immediately or I will file for litigation due to the stress you caused me. My information is now compromised as long as the accounts are left with false statment, incorrect scores, and is at serious risk of breach by XXXX, XXXX, and Equifax due to the bypassing that took place XX/XX/XXXX by identity theives according to XXXXXXXX XXXX XXXX
XXXX XXXX XXXXXXXX I do not need my information stolen on top of the inaccuracies. My information may have gotten into the hands of the wrong person as well.
This is impacting me from moving forward to acquire funding for my small business, and buying a house for my mother and I. We need to relocate from an area in disrepair and decay. Attached below are my previous credit report and new credit report showing how Equifax, XXXX, and XXXX violated my rights.
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06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
Dear Equifax, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code & 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, and I noticed Unauthorized inquiries on my Report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SSN XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
2. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
3. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
4. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
5. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
6. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
7. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
8. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
9. The following personal information is incorrect Account Number : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
10. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
13. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
14. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
15. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
16. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
17. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
18. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
19. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
20. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
21. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
22. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
23. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
24. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
25. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
26. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
27. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
28. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
29. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
30. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX Pleasant Circle XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice and Demand by Written Communication I am a law-abiding, federally protected consumer, as defined by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( c ). XXXX, Equifax, and XXXX are each a consumer reporting agency, as defined by the FCRA, 15 USC 1681a ( f ), and therefore are all permitted to report fair and accurate information, with respect to my privacy as the consumer and in accordance with my written instructions. I have reviewed my credit report and noticed several items which cause me to believe that you and your co-workers may have committed several violations against me. Each violation has a statutory cost of up to {$1000.00} each, which does not include my personal cost of mental anguish, emotional distress, or fees which I determine for taking time to address these issues and material allegations.
I accept that at all times, XXXX, Equifax, and XXXX each act by and through its agents, servants, and/or employees who are acting within the course and scope of their agency or employment, and under the direct supervision and control of their respective employers for which the above-named Chief Executive Officers are the ultimate authority, respectively, and are therefore the responsible party for all damages.
As the consumer, natural person, and owner of the authentication features ( per 18 USC 1028 ( d ) ( 1 ) ) used to identify my consumer report, these are my written instructions, pursuant to 15 USC 1681b ( 2 ) : 1. Personal Information The proper spelling of my name is XXXX XXXX XXXX, remove all other variations immediately as they are not accurate and in order to use my name in any form, for any purpose, you must provide me with proof that you have obtained my prior, express, written consent to do so. All rights reserved re common-law copyright of trade-name/trademark XXXX XXXX XXXX, as well as any and all derivatives and variations in the spelling of said trade-name/trademark, not excluding XXXX XXXX XXXX Common Law Copyright 2007 by XXXX XXXX XXXX. Said trade-name/trademark, XXXX XXXX XXXX may neither be displayed, nor used, nor reproduced, in whole, nor in part, nor in any manner whatsoever, without my prior, express, written consent and acknowledgment as signified by my signature in red ink.
You are only authorized to address me at my Private Mailing Location in the following format and in no other : [ XXXX XXXX XXXX ].
XXXX XXXX XXXX XXXX XXXX XXXX Post-office XXXX
Private Mailing Location # XXXX.
XXXX XXXX XXXX. [ RR XXXX ] near XXXX. Pennsylvania.
Non-domestic, Non-resident, Non-assumpsit.
Zip code exempt, without the United States.
All other addresses are fraudulent, inaccurate and must be removed immediately!
Immediately remove ALL employers from my credit report, for the protection of my privacy.
XXXX. Remove the following accounts and unauthorized inquires for inaccurate and unlawful reporting : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) *** PLEASE DELETE ALL UNAUTHROIZED INQUIRES *** I do not recognize any of the above-listed account numbers, and while many of the accounts appear to be the same or similar across all three bureaus, there is consistent misrepresentation of dates and there are inaccuracies in the data reported by each bureau for the accounts which appear to have the same account numbers and account-holders. This gives cause for the reasonable belief that my consumer report is fraudulently furnished with mis-merged or mixed files which is a violation of my rights and causes harm to me.
Be advised that this is not a request for validation of debt, this is a Notice and Demand. You are noticed that I am a consumer, natural person, living spirit, and that I am not responsible for any of the above-listed accounts OR inquires nor am I a party to any contract that you or your agency may have with any of the above-listed account holders. Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the theft and unlawful use of my identity as well as for every fraudulent action and transaction related to the identity theft, as defined at 15 USC 1681a ( q ) ( 3 ).
If you wish to resolve this matter, this will be your best opportunity to do so. The above-listed items must be deleted from my consumer report and credit file within 72 hours or by XX/XX/XXXX. You must forward to me a letter stating that these items have been removed and will not appear on my credit reports again, and I require that this letter contain the wet-ink signature of a natural person, otherwise, such letter will be evidence of willful and negligent violation of 15 USC 1681g ( a ) ( 3 ) ( A ) due to failure to clearly and accurately disclose the identification of each and every person that has procured my consumer report.
Once you have deleted this information, please mail me a complete and accurate copy of my consumer report AND a copy of my credit file, as prescribed by federal statute. You are only authorized to send me a report with all of the updates demanded herein this Notice, anything else will be considered willful and negligent violation of my rights, including but certainly not limited to : 15 USC 1681g ( a ) ( 1 ) by failure to clearly and accurately disclose all information in my file ; 15 USC 1681e ( b ) by failure to follow reasonable procedures to assure maximum possible accuracy of my credit reports ; 15 USC 1681 ( a ) ( 1 ) ( A ) by failure to conduct a reasonable investigation to determine whether the dispute information was inaccurate or incomplete ; 15 USC 1681b ( f ) ( 1 ) by obtaining my consumer report for a purpose other than as authorized ; 15 USC 1692e ( 2 ) ( A ) - False representation of the character, amount, or legal status of any debt 15 USC 6821 as you are a financial institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- Fraud and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated identity theft ; 18 USC 241- Conspiracy against rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers. In addition, do not allow any credit issuers to prescreen my credit file for credit offers. I am demanding that all information that relates to or identifies me and my accounts remain private. Please remove my name, address, and credit profile from your marketing lists to ensure the protection of my privacy rights and to prevent them from continuous violation. I have endured more than enough suffering due to inaccurate and fraudulent consumer reporting, including mental distress, emotional distress, financial hardships, and loss of opportunities.
I require that all mail correspondence be addressed to my Private Mailing Location in the exact format contained within this Notice as any other format would be unlawful use of my property and fraudulent change of address for which you agree to accept full liability as you expose yourself as the one responsible for the fraudulent activities that have caused harm to me and have been adverse to my interests as a consumer. Take Notice that I will not hesitate to file a formal complaint with the Federal Trade Commission, State Attorney General, and the XXXX XXXX XXXX, and that I fully reserve my right to do so. I am most grateful for your cooperation and look forward to resolving this matter expeditiously.
All Rights Reserved, Without Recourse __________________________________ Enclosed : Copy of my PASSPORT PHOTO ( FOR IDENTIFICATION PURPOSES ONLY..! ) Copyright Notice Copy of my state ID ( FOR IDENTIFICATION PURPOSES ONLY )
|
06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
Dear Equifax, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code & 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX Inquiry date XX/XX/XXXX, and I noticed Unauthorized inquiries on my Report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SSN XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
Dear Equifax, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code & 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX Inquiry date XX/XX/XXXX, and I noticed Unauthorized inquiries on my Report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SSN XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND XXXX EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND XXXX ALPHANUMERIC SOURCE CODE ( XXXX ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX HIGHWAY XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Usa Date of inquiry : XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX AR Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : State Regulatory agency CC : XXXX Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
My name is XXXX XXXX XXXX, a XXXX XXXX XXXX at XXXX XXXX and XXXX XXXXXXXX XXXX XXXX, and Im sending this letter and/or correspondence formally disputing several inaccurate, aged, and duplicate information that XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and any other Credit Reporting Agencies ( individually and/or collectively the CRA and/or Defendant and Disputed Account Holders ) have falsely, fraudulently, and with malicious intent in Bad Faith have reported on my personal Credit File, which has caused me irreparable harm, emotional harm and distress, damages, loss of income and employment, and loss of being extended Credit Opportunities over the last 5 years XXXX
Over the last five ( 5 ) years I, XXXX XXXX XXXX ( Consumer and/or Plaintiff ), have been DENIED access to extended credit opportunities via Credit Cards , Lines of Credit for XXXX XXXX , and even been denied employment and professional advancement opportunities because of the numerous, egregious, fraudulent, unauthenticated, and negligently reported INACCURATED, AGED, DUPLICATE ACCOUNTS, and/or NOT MINE but are still being negatively reported on my credit file. These negative reports has caused me irreparable harm, emotional harm and distress, damages, loss of income and loss of employment opportunities via my inability to have my Secret level security clearance restored because of the fraudulently perceived Bad Credit image that has been falsely stained my character by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and other Credit Reporting Agencies ( individually and/or collectively the CRA and/or Defendant and Disputed Account Holders ), all in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq.
I recently applied for a Commercial Realestate Loan for a property that I was looking to purchase for my business and potentially build a primary homesite for me and my family in my hometown of XXXX XXXX, GA. HOWEVER, I have been DENIED the extension of credit by the lending institution because Equifax 1 ) reported by Credit Score to them at a XXXX rating ; and 2 ) have negatively and falsely reported me having over 229 instances of DELINQUENCIES and/or LATE PAYMENTS over 90 days, which is wholly INACCURATE and mathematically IMPOSSIBLE!!!! See Exhibits A & B.
II. HISTORY OF CONSUMERS EDUCATION / STUDENT LOANS BEING INITIATED, SERVICED, SOLD, AND RESOLD BY AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) LOAN SERVICING COMPANIES CAUSING IRREPARABLE HARM TO CONSUMER I graduated from XXXX XXXX in XX/XX/XXXX with XXXX XXXX in XXXX with XXXX Student Loan debt because I had a XXXX XXXX XXXX
I then graduated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with my XXXX in XXXX XXXX, again, with XXXX Student Loan debt because I had a XXXX XXXX XXXX XXXX
I began my XXXX XXXX XXXX XXXX in XX/XX/XXXX. According to my XXXX XXXX XXXX Account printout XXXX XXXX, I ONLY OWE A TOTAL OF {$98000.00} in total Student Loan Debt and ALL of it has been at XXXX XXXX for XXXX XXXX XXXX XXXX!!!
When I secured my initial student loans through XXXX XXXX, XXXX XXXX XXXX ( XXXX ) was the initial loan servicer for my student loans on behalf of the U.S. Department of Education. Then after about two years, my student loans were SOLD/ TRANSFERRED from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the new owner and/or Servicer of the student loans. This is documented via Exhibit A, Pages 6 10, for all of the following student loan accounts : 1 ) # 7 - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$3400.00} 2 ) # 8 - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$8500.00} 3 ) # 9 - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$12000.00} 4 ) # 10 - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$9300.00} 5 ) # 11 - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$10000.00} 6 ) # 12 - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$8500.00} 7 ) # 13 - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$20000.00} 8 ) # 14 - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$10000.00} The collective loan amounts borrowed from XXXX, which were eventually transferred to XXXX, totals {$82000.00} which is directly consistent with the student loan amounts shown on my XXXX University Account Summary by Term, enclosed as Exhibit C.
Beginning around fiscal year XXXX or so, my student loans were again SOLD/ TRANSFERRED from XXXX as the owner and/or loan servicer over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) , who is now the current loan servicer for my student loans on the behalf of the U.S. Department of Education . HOWER, when my student loans were received by XXXX they ASSIGNED NEW ACCOUNT NUMBERS TO MY LOANS WHICH CREATED NEW AND DUPLICATE INSTALLMENT ACCOUNTS TO SHOW UP ON MY CREDIT PROFILE!!! This is documented via Exhibit A, Pages 10 13, for all of the following student loan accounts : 1 ) # 15 - DEPT OF EDXXXX XXXX Account XXXX - {$20000.00} 2 ) # 16 - DEPT OF ED/XXXX XXXX Account XXXX - {$8500.00} 3 ) # 17 - DEPT OF EDXXXX XXXX Account XXXX - {$9300.00} 4 ) # 18 - DEPT OF ED/XXXX XXXX Account XXXX - {$8500.00} 5 ) # 19 XXXX DEPT OF ED/XXXX XXXX Account XXXX - {$3400.00} 6 ) # 20 - DEPT OF ED/XXXX XXXX Account XXXX - {$12000.00} 7 ) # 21 - DEPT OF ED/XXXX XXXX Account XXXX - {$10000.00} 8 ) # 22 - DEPT OF EDXXXX XXXX Account XXXX - {$10000.00} The collective loan value of these student loan installment accounts owned and/or serviced by XXXX totals {$82000.00} which again is the EXACT TOTAL for the SAME eight ( 8 ) installment accounts as listed above that were transferred over to them from XXXX and XXXX!!! Additionally both XXXX and XXXX still continued to negligently report the same accounts which they previously SOLD to XXXX on my credit profile which has now created DUPLICATE ACCOUNTS for the EXACT SAME STUDENT LOAN ACCOUNTS which has surely injured and caused irreparable harm to the consumer for the last 10 years at a minimum and continuing to date.
Lastly, in XX/XX/XXXX I took advantage of the COVID-19 offer by the U.S. Department of Education to both 1 ) Consolidate my current Student Loans ; and 2 ) to have all of my student loan Payments deferred until AFTER the worldwide pandemic and National Emergency had been lifted by Congress via the CARES Act. As such, I consolidated ALL of my student loan debt directly with the DEPARTMENT OF EDUCATION as the owner and creditor of my new CONSOLIDATED student loans. XXXX is still the current Loan Servicer of my student loans on the behalf of the U.S. Department of Education. See Exhibits J & K. This is documented via Exhibit A, Page 5, for all the following student loan accounts which initially appeared on my credit profile on XX/XX/XXXX : 1 ) # 3 - DEPT OF ED/XXXX XXXX Account XXXX - {$61000.00} 2 ) # 4 - DEPT OF ED/XXXX XXXX Account XXXX - {$110000.00} The collective loan value of these newly CONSOLIDATED student loan installment accounts now owned EXCLUSIVELY by the U.S. Department of Education, and now serviced by XXXX totals {$170000.00} which again appears to be inclusive of the U.S. Department of Education FRAUDULENTLY PAY FOR THE VALUE OF MY STUDENT LOANS THREE ( 3 ) TIMES TO EACH OF THE XXXX, XXXX, AND XXXX STUDENT LOAN SERVICERS !!! ! As such, the Federal Government has already PAID IN FULL and CLOSED all of the SAME 16 student loan installment accounts as listed above that were transferred over to the Federal government from XXXX, XXXX and XXXX!!! UNFORTUNATELY, XXXX, XXXX and XXXX all still continued to negligently, inaccurately, and egregiously report the same accounts which they previously SOLD back to the Department of Education on my credit profile which has now created at total of 16 INACCURATE and DUPLICATE ACCOUNTS for the EXACT SAME STUDENT LOAN ACCOUNTS which has surely injured and caused irreparable harm to the consumer for the last 10 years at a minimum and continuing to date, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq., and the Maryland Consumer Protection Act ( MCPA ), Md. Code ( 2013 Repl. Vol., 2017 Supp. ), 13-101 et seq. of the Commercial Law Article ( C.L. ).
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11/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XX/XX/XXXX, Equifax, and XX/XX/XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The XX/XX/XXXX XX/XX/XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XX/XX/XXXX Account Number : XXXX This is not mine.
2. Identity Theft XX/XX/XXXXAccount Number : XXXX This is not mine.
3. Identity Theft XX/XX/XXXX Account Number : XXXX This is not mine.
4. Identity Theft XX/XX/XXXX Account Number : XXXX This is not mine.
5. Identity TheftXX/XX/XXXX Account Number : XXXX This is not mine.
6. Identity Theft XX/XX/XXXX Account Number : XXXX This is not mine.
7. Identity TheftXX/XX/XXXX Account Number : XXXX This is not mine.
8. Identity Theft XX/XX/XXXXAccount Number : XXXX This is not mine.
9. Identity Theft Account Number : XXXX This is not mine.
10. Identity Theft Account Number : XXXX This is not mine.
11. Identity Theft Account Number : XXXX This is not mine.
12. Identity Theft Account Number : XXXX This is not mine.
13. Identity Theft Account Number : XXXX This is not mine.
14. Identity Theft Account Number : XXXX This is not mine.
15. Identity Theft Account Number : XXXX This is not mine.
16. Identity Theft Account Number : XXXX This is not mine.
17. Identity Theft Account Number :XX/XX/XXXXThis is not mine.
18. Identity Theft Account Number : XXXX This is not mine.
19. Identity Theft Account Number : XXXX This is not mine.
20. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
21. Identity Theft Account Number : XXXX This is not mine.
22. Identity Theft Account Number : XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I am writing to you in relation to several discrepancies and inaccuracies present on my credit report. The purpose of this letter is to formally dispute the information provided by various creditors, to assert my rights under the Fair Credit Reporting Act ( FCRA ), and to share a deeply personal story highlighting how these inaccuracies have significantly impacted my life.
My personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I recently obtained a copy of my credit report and was dismayed to find several entries that are either inaccurate or unauthorized. The information provided by the creditors in question has adversely affected my ability to access credit, secure favorable interest rates, and achieve my financial goals. The inaccuracies on my credit report have caused immense emotional distress and financial hardship, which I will explain through a personal experience : [ Share Your Personal Story Here Detail the Impact on Your Life ] Imagine being denied a mortgage for your dream home, a loan to cover emergency medical expenses, or even a credit card to provide for your basic needs. These are not hypothetical scenarios for me ; they are harsh realities that I have faced due to the errors and unauthorized inquiries on my credit report.
In the midst of trying to establish a stable financial foundation for my family, I have encountered barriers that I never thought possible. The errors on my credit report have prevented me from achieving the milestones I had envisioned, causing sleepless nights, anxiety, and strained relationships. I am not merely a statistic ; I am a person who is working diligently to secure a better future, and the inaccuracies on my credit report have placed unnecessary obstacles in my path.
I am fully aware of my rights under the FCRA and FACTA, which grant me the ability to dispute and correct inaccurate information on my credit report. I hereby request that you investigate and verify the legitimacy of the accounts associated with the following creditors : Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Please correct/update this inaccurate information on my credit report.
Creditor : XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
The following personal information is incorrect Violation : Incorrect Personal Information Creditor : N/A Address : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : This address is not correct. Delete it immediately from my report.
Please remove it from my credit report.
Creditor : XXXX Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Please remove it from my credit report.
Creditor : XXXX XXXX XXXX Account Number : XXXX Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Please correct/update this inaccurate information on my credit report.
Creditor : XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
The following personal information is incorrect Violation : Incorrect Personal Information Creditor : N/A Address : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : This address is not correct. Delete it immediately from my report.
The following personal information is incorrect Violation : Incorrect Personal Information Creditor : N/A Address : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : This address is not correct. Delete it immediately from my report.
Please remove it from my credit report.
Creditor : XXXX Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Please remove it from my credit report.
Creditor : XXXX XXXX Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Please remove it from my credit report.
Creditor : XXXX Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Please remove it from my credit report.
Creditor : XXXX XXXX XXXX Account Number : XXXX Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Please correct/update this inaccurate information on my credit report.
Creditor : XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Please correct/update this inaccurate information on my credit report.
Creditor : XXXX XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Based on the aforementioned laws and my personal experience, I urge you to thoroughly investigate the accuracy and legitimacy of the information reported by the creditors listed above. As a consumer, I have a right to a fair and accurate credit report that reflects my true financial history.
I kindly request that you promptly remove the unverified accounts from my credit report and provide me with written confirmation of the actions taken to rectify this situation. I trust that you will honor your obligations under the law and help me restore the integrity of my credit profile.
Please respond in writing within the timeframe prescribed by law, confirming your receipt of this dispute and outlining the steps you intend to take. I am also willing to provide any additional documentation necessary to support my dispute.
Thank you for your immediate attention to this matter. I look forward to a prompt resolution that will alleviate the undue burden placed upon me due to these inaccuracies.
Sincerely, XXXX XXXX XXXX
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12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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From XX/XX/XXXX until XX/XX/XXXX XXXX mailed billing statements to addresses that I do not live at, some of which I have not lived at in over fifteen ( 15 ) years. While XXXX may claim they do not know about such issues, they have been made aware on at least three ( 3 ) occasions, as they have been the basis of CFPB complaints XXXX, XXXX, XXXX, directly sent to XXXX. Moreover, XXXX has also been notified of it's failure to send statements to the correct address through at least one ( 1 ) XXXX dispute ( resulting from CFPB complaint XXXX ), one ( 1 ) Equifax dispute ( resulting from CFPB complaint XXXX ), and one ( 1 ) XXXX dispute ( resulting from CFPB complaint XXXX ) XXXX all of which were filed on or around XXXX XX/XX/XXXX along with CFPB complaint XXXX. Those disputes and their CFPB responses all claimed XXXX had verified the " accuracy '' of the payment history furnished to the CRAs, when XXXX knows, or has had reasonable cause to believe they were not sending statements to my correct mailing address. In fact, XXXX acknowledged they resorted to skip-tracing as a result of an alleged returned piece of mail in their XXXX XX/XX/XXXX response to CFPB complaint XXXX. And, since XXXX conducted their skip-tracing haphazardly, one piece of mail that is alleged returned caused the system to randomly select another address from some ethereal list of prior addresses. Each subsequent mailing that resulted in returned mail then caused XXXX 's system to randomly change to a different address where I do not currently reside. Thus, a chain of failures to deliver statements resulted due to a single piece of mail being accidentally returned or lost by USPS in XXXX. Within the last two ( 2 ) months I have spoken with a XXXX customer service representative who stated she'd personally seen XXXX XXXX behaving in this manner leading to borrowers not receiving their billing statements. In fact, in their XXXX XX/XX/XXXX response to XXXX, XXXX alleged they verified the validity of a current mailing address for me in the State of FL, a state I had not lived in since XXXX, claiming no returned mail from that address constituted the address as a valid mailing address for me. Any reasonable individual would conclude verification of an address using XXXX 's method is a poor method for verifying the current mailing address of an individual because it expects a third-party ( unrelated to the account in question ) to notify the USPS that an individual does not live at the address to which a statement is mailed. If this were an open-ended account XXXX 's practice would fail as a reasonable billing error investigation method under 15 U.S.C. 1666. The fact is XXXX has resorted to skip-tracing WITHOUT verifying the accuracy of the pool of possible addresses and expected that a third-party individual with no interest in the matter would take the time to notify XXXX and/or USPS that the borrower no longer resides ( if ever ) at the address. As consequence, a piece of mail sent to an address that is returned causes XXXX 's system to randomly select another address using skip-tracing, without verifying accuracy, resulting in a cascading effect even after a borrower may have provided and/or corrected information for a current address on one ( 1 ) or more occasions. Now, make no mistake TILA/Regulation Z requires XXXX to mail periodic statements at steady intervals whose due date is established by that printed on the the first statement generation date when the loan enters repayment ( ). However, that statement must be mailed to the borrower ( at a current mailing address ) in order to establish the first cycle. In my case it is very possible XXXX mailed a notice that my student loans would be entering repayment, and upon return of that notice, the system resorted to skip-tracing beginning from my first statement. XXXX may claim the accounts they service are closed-ended accounts and as such those accounts are not subject to the timing of payments requirements specified in 15 U.S.C. 1666 ( b ). Nevertheless the lender, XXXX XXXX XXXX, acknowledges a minimum twenty ( 20 ) day interval between the statement generation date and statement due date in their XXXX XX/XX/XXXX response to CFPB complaints { XXXX, XXXX and XXXX }, " you were still provided the required 20-days between our notice date and your first payment due date ''. XXXX claims the provisions under the original MPN do not permit a borrower to claim a failure to receive statements as a defense to non-payment on the student loan. And, it is true, as XXXX points out, there exists language in Section E.2 of the MPN that states " I am not relieved of my responsibility and obligation to make such payments if I do not receive billing statements. and any other written payment notices from you. '' While quoting this provision in their XXXX XX/XX/XXXX response to CFPB complaint XXXX, XXXX conveniently makes a serious omission in the language of the MPN. The portion of Section E to which XXXX refers establishes the aforementioned non-receipt of statement provision only after declaring what the lender/servicer must do. In fact, the opening sentence of E.2 reads " During the Repayment Period, you will send me monthly statements, coupons, or other notices that show the amounts of minimum monthly payments and the payment due dates. '' In other words, the opening sentence establishes a borrowers right of notice : to be notified on a monthly basis about the status of their loan account ( s ) such that they may review the payment required for the current billing cycle, and review any payments, charges, and adjustments made to the account since the end of the previous billing cycle. This is all the more important because although the loan in question is a student loan, it has an adjustable interest rate, like an open-ended line of credit such as that attached to a credit card and as such adjusts with the change interest rates set by the Federal Reserve XXXX It then follows that given the XXXX XXXX acknowledgment of a minimum twenty ( 20 ) day interval between statement generation date and statement due-date in response to CFPB complaints { XXXX,, }, and given the MPN Section E.2 obligation of the lender/servicer to send periodic statements on a monthly basis, that although the account in question pertains to a closed-ended account, any reasonable individual would construe the lender would send statements that are compliant with TILA/Regulation Z on a periodic ( monthly ) basis with a minimum duration between statement generation date and statement due date that is not less than twenty ( 20 ) days, which is one ( 1 ) day less than what is required under TILA/Regulation Z for open-ended ( credit card ) accounts. Finally, it is not without mentioning the abusiveness in XXXX 's response to CFPB complaint XXXX. I am a XXXX individual that manages a XXXX with XXXX that has been in short supply since XX/XX/XXXX. I am also an individual that was recovering from XXXX when my loan entered repayment. I have experienced brain inflammation ( with brain bleeding ) as a part of XXXX, which on its own and in conjunction with long delays in renewing XXXX, has rendered me unable to communicate over certain periods due to extreme sensitivity to light and sound. That XXXX would repeatedly send statements to incorrect addresses and then report missed payments to the CRAs is not only a furnishing of false/misleading/inaccurate information, but is also abusive. I repeatedly notified XXXX directly through CFPB complaints and through the CRAs of their failure to send statements to my correct address. I also corrected my address on more than one occasion with XXXX only o have it overwritten due to errant skip-tracing. That after doing such on multiple occasions XXXX would seek to paint me as " another individual that is habitually unable to pay their bills, '' and then furnish derogatory information to the CRAs, is abusive. The fact is I have done everything I am supposed to do to protect my interests. Yet there is a limit to which I can protect my interests if periodic statements are not mailed to me. XXXX has engaged in unfair, unlawful, and abusive acts and practices that have harmed me as a consumer, for which the harm is magnified for me as a XXXX individual. At this point XXXX knows, or has reasonable cause to believe the information they are furnishing to the CRAs is false/misleading/inaccurate under 15 U.S.C. 1681e as result of their engagement in unlawful acts and practices that are prohibited under 12 U.S.C. 5531.
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Oklahoma XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Oklahoma XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX, I disputed inaccurate information reporting on my credit report by XXXX Bank - XXXX XXXX. I was notified by the 3 credit reporting agencies, Equifax, XXXX and XXXX that the information was verified. I disagreed with this information, so on XX/XX/XXXX I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes.
Ive also requested procedures in place for the bureaus because they have continually reported inaccurate information, knowingly and willingly. I sent a follow up on XX/XX/XXXX. I wanted to follow-up with the 3 credit reporting agencies, Equifax, XXXX and XXXX. I notified them of the errors with the reporting and made it evident that they were knowingly and willfully reporting inaccurate information. This is my exact reason for my dispute : Please verify this account and It's a shame how you have conducted and supposedly verified this account. The errors are evident as they are inaccurate in more ways than one. When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. Should you deny my request, I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I don't agree with the Credit Limit listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Please confirm the Status Code is also correct. I would like you to provide me with the Metro 2 Format, specifically Base Segment, Field 17A. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Please take my request seriously. You have again confirmed to me in writing that the information reported is in fact accurate. It is now my opinion that you may have mix or mis-merged this file onto my credit report. After my research, I have found that mis-merged files occur largely because the CRAs ' computers do not use sufficiently rigorous score or scale thresholds to match consumer data precisely, even when such unique identifiers as Social Security numbers are present. The nationwide CRAs rely on a match of only seven of nine digits of the SSN ( See Reeves v. Equifax Info. Serv. ) The CFPB has identified mixed files as a particularly challenging problem. I again request that you immediately remove this account from my credit profile. Last month, I requested you to provide me with the " reasonable procedures '' that you have in place, yet you didn't provide anything " specific '' with " first-hand knowledge '' about this reporting. Need I remind you that these procedures are designed to prevent inaccuracies. I've requested this in writing and once again, you have failed me. It is my right to know that you have actually followed YOUR own procedures. ( Rothery v. TransUnion, LLC. ) It's not enough to just have procedures put in place but that the employee also follows the procedures in each and every report they prepare ( See Konter v. CSC Credit Serv., Inc. ). You must not just have reasonable rules, but your employees must strictly follow those internal CRA rules ( Carroll v. Exxon Co. ). The FTC staff indicates that " [ o ] ne of the most significant compliance procedures to assure accuracy will be the training of new personnel and the retraining of current employees from time to time. Even isolated instances or error should be followed up and procedures adjusted in order to correct the cause of the error '' ( FTC, Compliance with the Fair Credit Reporting Act ). Since you have failed yet again, I implore you to do the right thing and remove this from my credit report.
On XX/XX/XXXX, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what XXXX Bank - XXXX XXXX is reporting. I notified them that the information is inaccurate and unable to be verified per my request.
On XX/XX/XXXX, I sent another dispute to XXXX Bank - XXXX XXXX to notify them that I've had my rights violated. My requests have gone ignored.
In my research, I found something called Appendix B to Part XXXX022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.
On XX/XX/XXXX, XXXX, I sent another dispute to the 3 credit reporting agencies letting them know that my report is inaccurate. I requested more information regarding the reporting of this account, yet all they did was verify that the information is accurate. My exact dispute was as follows : Please verify this account. I'm unaware of the information reporting on this listing. Please remove it in its entirety or show me what information you reviewed in order to report it in the first place. Based on my research, I'm requesting to further clarify your compliance with Metro 2 Compliance. I don't agree with the Portfolio Type listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Specifically, I would like to confirm the FCRA Compliance Date or Date of First Delinquency/Last Activity is in Base Segment, Field 25. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Again, if youre unable to comply with my request, please simply remove this listing from my credit profile.
On XX/XX/XXXX, I sent a 7th request for the Credit reporting agencies to comply with the laws of the Fair Credit Reporting Act, yet they continued to state that XXXX Bank XXXX XXXX has verified the information in my report. They are continually parroting what XXXX Bank XXXX XXXX is stating without any physical review of any documents which I have asked for.
On XX/XX/XXXX I sent a request of verification to XXXX Bank - XXXX XXXX so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. I requested a bunch of information ; however, they didn't provide me with the requested information.
I sent them a follow up on XX/XX/XXXX because they havent sent me the requested information that I was requesting. Still nothing.
I again sent another request on XX/XX/XXXX and they still ignored my request.
I sent them another request for follow-up information on XX/XX/XXXX and yet they have blatantly ignored everyone of my request, which Im able to do under the rights of the Fair Credit Reporting Act. They just keep sending me a request for more information, which is all written out in plain English. I want to make sure that they are reporting accurately since all of the bureaus report something different.
I sent a follow-up request on XX/XX/XXXX, and they asked again with their canned request for more information.
I sent another request on XX/XX/XXXX and guess what? A canned request for more information.
I sent another request on XX/XX/XXXX, and as you probably can guess ; a canned request for more information.
I then sent a FINAL request on XX/XX/XXXX and await what will probably be another canned request for more information.
Im including a copy of their response as well as their validation per my request. They have deemed my legal request as frivolous or irrelevant. How did they come to this conclusion? Each one of my requests for information went unanswered. They have not provided adequate verification. They are supposed to send me verification from the original creditor, yet they have failed to do so. Providing me with a printout of whats reporting on my credit report isnt right. I could see that on my credit report. I want to see all information regarding each of the accounts, yet they have failed to do so, willingly and blatantly.
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09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately : I am a natural person ; I am a living human being. I have rights under 15 USC 1681.
Equifax, XXXX and XXXX are governed by the 15 USC 1681, And they have all violated my rights numerous of times. I demand that the accounts listed below be removed because According to USC 1681 : I have the right to privacy, and I did not give EQUIFAX, XXXX, XXXX I did not give them written permission to furnish these accounts.
I XXXX XXXX, Consumer, and natural person, am aware of all rights that i have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I am a natural person ; I am a living human being. I have rights under 15 USC 1681.
In accordance with the fair credit reporting act Convergent accounts, have violated my rights.
Equifax, XXXX and XXXX are governed by the 15 USC 1681, And they have all violated my rights numerous of times. I demand that the accounts listed below be removed because, According to USC 1681 : I have the right to privacy, and I did not give EQUIFAX, XXXX, XXXX I did not give them written permission to furnish these accounts.
In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX XXXXXXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
2. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
3. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
4. XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
5. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
6. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
7. XXXX XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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12/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days. I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me. Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft Account Number : XXXX This is not mine. 10. Identity Theft Account Number : XXXX This is not mine. 11. Identity Theft Account Number : XXXX This is not mine. 12. Identity Theft Account Number : XXXX This is not mine. 13. Identity Theft Account Number : XXXX This is not mine. 14. Identity Theft Account Number : XXXX This is not mine. 15. Identity Theft Account Number : XXXX This is not mine. 16. Identity Theft Account Number : XXXX This is not mine. 17. Identity Theft Account Number : XXXX This is not mine. 18. Identity Theft Account Number : XXXX This is not mine. 19. Identity Theft Account Number : XXXX This is not mine. 20. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 21. Identity Theft Account Number : XXXX This is not mine. 22. Identity Theft Account Number : XXXX This is not mine. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXXCHARACTER FORMAT FIELDED XXXX STATEMENT ( S ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK, NY XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : California XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX
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04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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In accordance with the Fair Credit Reporting Act. The List of Accounts Violated My Federal Rights protected by privacy and confidentiality under 15 USC 1681 XXXX Account # XXXX 15 USC 1681 SECTION 602 A 1-STATES I have the right to privacy 15 USC SECTION 604 A SECTION 2- Also states a consumer agency can not furnish an account without written permission instruction 15 USC 1681c ( a ) ( 5 ) Section2- States no consumer reporting agency may make any consumer report containing any of the following items or information or any adverse item of information other that records of convictions of crimes which antedates the report by more than 7 years 15USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause its inaccurate COMMENTS CLOSED DATE LAST ACTIVE XX/XX/XXXX DATE LAST PAYMENT XX/XX/XXXX THIS ACT IS FULL OF INACCURATE INFORMATION AND NEEDS TO BE REMOVED.
XXXX XXXX ACT # XXXX XXXX DATE OPEN XX/XX/XXXX {$970.00} HIGH CREDIT LIMIT $ PAST DUE {$750.00} {$970.00} CHARGE OFF LAST REPORTED XX/XX/XXXX LAST PYMNT XX/XX/XXXX XXXX REPORTS OPEN XX/XX/XXXX {$0.00} {$0.00} UNKNOWN XX/XX/XXXX XX/XX/XXXX EQUIFAX DOESNT SHOW THIS ACCOUNT HAS SO MANY INACCURANT INFORMATION NEEDS REMOVED IN VIOLATION XXXX is unacceptable. This is formal notice that your claim is disputed.
I am requesting validation, made pursuant to FDCPA, along with local state laws. Please note validation that is competent evidence bearing my signature showing that I have or ever applied for credit.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is reference to my credit file and account you claim I applied for. Automated response or E-Oscar is unacceptable. This is formal notice that your claim is disputed.
I am requesting validation, made pursuant to FDCPA, along with local state laws. Please note validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay you.
XXXX XXXX ACCT # XXXX XXXX XXXX DATE OPEN XXXX/XXXX/XXXX MONTHLY PAYMENT XXXX HIGH CREDIT {$620.00} LIMIT {$600.00} PAST DUE XXXX LAST REPORTED XX/XX/XXXX LAST PYMNT XX/XX/XXXX XXXX XXXX EQUIFAX DATE XXXX XX/XX/XXXX $ 12 MONTHLY SHOWS TERMINATES LAST REPORTED XX/XX/XXXX & LAST PAYMENT INACCURATE REPORTING NEEDS REMOVED XXXX & XXXX XXXX XXXX REPORTS JOINT XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED WITH MONTHLY PYMNT OF {$0.00} 120 MONTHS HIGH CREDIT {$0.00} PAST DUE {$0.00} PAYMENT STATUS LATE 120 DAYS REPORTED XXXX XXXX XXXX BANK ACCT # XXXX XXXX ACCT STAUS PAID MONTHLY {$0.00} OPEN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX OWED {$0.00} XXXX {$4400.00} LIMIT {$4000.00} STATUS 30 DAY XX/XX/XXXX LAST ACTIVE XX/XX/XXXX LAST PAYMENT XX/XX/XXXX XXXX SHOWS PAID EQUIFAX SHOWS DISPUTE RESOLVED BUT DOESNT SHOW UPDATE THIS IA ALL INACCURATE INFORMATION NEEDS DELETED XXXX XXXXXXXX XXXX XXXXMONTHLY PAYMRNT {$0.00} OPENED XX/XX/XXXX COLLECTION SAYS 120 DAYS PAST DUE ON CHARGE OFF XX/XX/XXXX PAST STATUE OF LIMITATIONS AND INACCURATE PLEASE DELETE XXXX ACCT # XXXX XXXX REPORTS NOTE XXXX {$0.00} OPENED XX/XX/XXXX BALANCE {$0.00} HIGH {$8400.00} LIMIT {$0.00} PAST DUE {$0.00} COLLECTION CHARGE OFF LAST REPORT XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNPAID XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX PPLEASE REMOVE INFORMATION INACCURATE XXXX XXXX XXXX CHARGEOFF XXXX REPORTS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SHOWS DISPUTED BUT NOT RESIULTS THIS ACCOUNT IS INACCURATE DELETE IN VIOLATION EQUIFAX DELETED XXXX XXXX ACCT # XXXX XXXX COLLECTION OPENED XX/XX/XXXX {$290.00} LAST REPORT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX DOESNT INACCURATE INFORMATION IN VIOLATION PEASE REMOVE XXXX XXXX XXXX XXXX REPORTS DEROG COLLECTION CHARGE OFF OPENED XX/XX/XXXX XXXX REPORTED XX/XX/XXXX LAST ACTIVE XXXX BALANCE {$170.00} XXXX REPORTS OPENED XX/XX/XXXX LAST ACTIVE XXXX REPORTS XX/XX/XXXX LAST ACTIVE XX/XX/XXXX INACCURATE INFORMATION IN VIOLATION PLEASE REMOVE XXXX XXXX ACCT # XXXX XXXX REPORTS XXXX XXXX CO XXXX XX/XX/XXXX $ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAXDOESNT REPORTS XXXX XXXX XX/XX/XXXX $ XXXX XXXX XX/XX/XXXX INACCURATE INFORMATION ACCT IN VIOLATION DELETE XXXX XXXX XXXX XXXX XXXX XXXX REPORTS CHARGEOFF OPEN XX/XX/XXXX DOA XX/XX/XXXX High {$600.00} {$600.00} Past statue on limatitons and inaccurate please delete in violation XXXX XXXX XXXX ACCT XXXX XXXX XXXX XX/XX/XXXX {$7800.00} COLLECTION CHARGE OFF XXXX XXXX SHOWS XX/XX/XXXX XXXX XX/XX/XXXX DATE OPENED INACCURATE INFORMATION IN VIOLATION DELETE XXXX XXXX XXXX XXXX ACCT XXXX XXXX SHOWS CHARGE OFF XXXX XX/XX/XXXX {$1100.00} XXXX XX/XX/XXXX DATE LAST PAYMENT XX/XX/XXXX XXXX DATE OPENED XXXX XXXX/XXXX LAST PAYMENT XX/XX/XXXX EQUIFAX DOESNT SHOW DELETED ACCOUNT INACCURATE IN VIOLATION DELETE PORTFOLIO XXXX XXXX XXXX XXXX XXXX SHOWS CHARGE OFF OPEN XX/XX/XXXX {$3900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX SHOWS OPEN XX/XX/XXXX XXXX DLR XX/XX/XXXX BOTH SHOWS ACCT RESOLVED FROM DISPUTE ACCT INACCURATE IN VIOLATION EQUIFAX DELETED DELETE XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX CHARGE OFF OPNED XX/XX/XXXX {$2400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX EQUIFAX REMOVED ACCT IN VIOLATION INACCRATE INFORAMTION DELETE XXXX XXXX XXXX BANK ACCT XXXX XXXX SHOWS CHARGE OFF OPEN XX/XX/XXXX $ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX DLA XX/XX/XXXX EQUIFAX DELETED INACCURATE INFORMATION IN VIOLATION PLEASE DELETE XXXX XXXX XXXX XXXX OPEN XXXX XXXX SHOWS COLLECTION OPEN XX/XX/XXXX {$67.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX IN VIOLATION OF STATUE OF LIMITATIONS AND 602 N604 PLEASE DELETE XXXX XXXX XXXX DATE OPEN XX/XX/XXXX {$120.00} CHARGE OFF XXXX XX/XX/XXXX XXXX XX/XX/XXXX IN VIOLATION OF 602 AND 604 PLEASE DELETE XXXX XXXX XXXX REPORTS CHARGE OFF MONTHLY {$0.00} OPENED XX/XX/XXXX BALANCE {$14000.00} {$30000.00} CREDIT LINE {$0.00} PAST DUE {$14000.00} CHARGE OFF XXXX XX/XX/XXXX XXXX XXXX DATE OPEN XX/XX/XXXX XXXX XXXX OPEN XXXX XXXX XX/XX/XXXX THIS ACCOUNT IS INACCURATE AND SHOWS IN DISPUTE ITS INVIOLATION NEEDS TO BE REMOVED AS A CHARGE OFF ASHOULD BE XXXX BALANCE BUT THIS ACCOUNT IS FULL OF INACCURATE INFORAMTION AND NEEDS DELETED XXXX XXXX XXXX SHOWS CHARGE XXXX OPENED XX/XX/XXXX $ XXXX XXXX PAST DUE {$460.00} XXXX XXXX SHOWS XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX OPEN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX THIS ACCT IS VIOLATION AND NEEDED TO BE REMOVED XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX $ XXXX {$300.00} PAST DUE {$530.00} XXXX DLA XXXX XX/XX/XXXX XXXX {$0.00} OPEN XX/XX/XXXX {$530.00} {$300.00} DLR XXXX DLP XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX {$530.00} PAST DUE {$530.00} XXXX XX/XX/XXXX XX/XX/XXXX DLA XXXX THIS ACCT IS IN VIOLATION AND NEEDS TO BE XXXX Please also be aware that any negative mark found on credit reports Including Equifax XXXX and XXXX from your company that you represent for a debt I dont owe is a violation of FDCPA and FCRA, therefore if you can not validate the debt you must request bureaus to delete.
Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to my reports. Failure to respond within 30 days of receipt of my certified letter may result in small claims.be aware I am making a careful record of my communication and the filing a complaint with the Consumer Financial Protection Bureau and Attorney General Office should you continue in noncompliance. I further remind that, as in Wenger v XXXX No 95-6445 ( C.D. Cal. Nov 14,1995 ) you may be liable for your willful noncompliance.
Failure to response satisfactory within 30 days may result in small claims against your company seeking {$1000.00} per violation for * Defamation *Negligent Enablement of Identity Fraud *Violation of FDCPA All documentation was provided to your company via Certified mail and your company has failed to comply.
My contact information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX PS please beware that dependent upon response, I maybe be detailing any potential issues with your company via online public press release including documentation of any claim claims action.
CC : : Consumer Financial Protection Bureau CC : Attorney General CC : Better Business Bureau
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08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX XXXX To Whom It May Concern, I am writing to formally dispute and address several inaccuracies and violations present on my credit report. I have attached a copy of my credit report with the disputed items highlighted for your reference. I must emphasize that these inaccuracies have significantly impacted my financial well-being and personal life, prompting me to request your immediate attention to this matter.
Let me share with you a deeply personal account of how these inaccuracies have affected my life. My journey as a hardworking individual who values financial responsibility has been compromised by the misinformation on my credit report. I've strived to build a stable life for myself and my loved ones, and this journey has been marked by sacrifices and diligent efforts.
Unfortunately, the inaccurate information on my credit report, including erroneous account details, unauthorized inquiries, and incorrect personal information, has led to unjust consequences. I recently applied for a mortgage to secure a home for my family, a dream I've worked tirelessly toward. Regrettably, due to the errors on my credit report, I was denied the mortgage I had anticipated for years. The emotional toll of being denied the chance to provide a safe and stable environment for my family is immeasurable. The uncertainty and XXXX that follow such a setback are indescribable, and they cast a shadow over my aspirations and peace of mind.
I implore you to take immediate and decisive action to rectify this situation. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I insist on the following actions : Conduct a thorough investigation into the disputed items I've highlighted.
Enforce legal measures against creditors who have provided inaccurate information, unauthorized inquiries, and false personal details.
Promptly communicate the investigation results to me in writing.
Moreover, I request that you hold the creditors accountable for their failure to provide accurate and verifiable information. Specifically, I urge you to require the removal of the following unverified accounts from my credit report : XXXX XXXX XXXX Name : The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violation : Incorrect personal information.
XXXX XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Name, The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violation : Incorrect personal information.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX XXXX XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violation : Incorrect address information.
XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violation : Incorrect address information.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) I understand that your commitment to ensuring fair and accurate credit reporting is vital. As a consumer seeking justice, I trust that your actions will reflect this commitment and provide a chance for redemption. I am prepared to take any necessary legal steps to ensure that my rights are upheld and that my credit report accurately represents my financial history.
Please respond to this dispute in writing within the statutory timeframe, as mandated by law. Should you require any additional information or documentation from me, I am prepared to provide such upon request. You can contact me at ( XXXX ) XXXX or XXXX.
I eagerly await your response and the resolution of this matter. Your cooperation and adherence to the laws governing fair credit reporting are essential to rectify the unjust situation I am facing.
Sincerely, XXXX XXXX
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08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against multiple creditors for their blatant violations of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), which have caused significant distress and adverse effects on my financial well-being. I kindly request your assistance in investigating and enforcing my legal rights as a consumer.
Violation 1 : Unauthorized Inquiries Without Consent I have discovered unauthorized credit inquiries on my credit report, with several creditors having pulled my credit information without obtaining my explicit consent. These inquiries have taken place on the following dates : XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XX/XX/XXXX ( XXXX XXXX ) - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XX/XX/XXXX ( XXXX XXXX ) - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX This is not my name. Delete it immediately from my report.
The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX This address is not correct. Delete it immediately from my report.
The following personal information is incorrect PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not correct. Delete it immediately from my report.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violation 2 : Inaccurate Reporting of Account Information The creditor XXXX has inaccurately reported account number XXXX, suggesting late payments that are inconsistent with my payment history. This has significantly damaged my credit score and reputation.
FCRA Section 607, FCRA Section 623 Violation 3 : Reporting of Incorrect Personal Information Furthermore, the credit reporting agencies have included incorrect personal information, such as alternate names and previous addresses that are entirely unfamiliar to me. This misinformation has caused confusion and misrepresented my identity.
FCRA Section 607, FCRA Section 623 Accounts and Resolution Request : The following are the specific accounts in question along with their respective violations : Unauthorized Inquiries without Consent : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I urge the Consumer Financial Protection Bureau to investigate and enforce my legal rights under the FCRA and ECOA. Specifically, I request that the following actions be taken : Immediate removal of unauthorized inquiries from my credit report.
Correction of inaccuracies in account reporting, particularly the XXXX XXXX XXXX XXXX
Prompt removal of incorrect personal information, including alternate names and previous addresses.
The goal of these requests is not only to rectify the violations but also to restore my financial standing and peace of mind. I appreciate your attention to this matter and your commitment to protecting consumers like me from unjust treatment by creditors and credit reporting agencies.
Thank you for your prompt attention to this serious matter. I look forward to a resolution that will enable me to move forward with renewed hope for a secure financial future.
Sincerely, XXXX XXXX
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06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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*******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq.
and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.
This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.
XXXX This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( XXXX ) The name and address of the organization or other governmental unit alleging a debt ; ( XXXX ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( XXXX ) The name of the actual creditor even if that is myself ; ( XXXX ) The origin of the funds used to create this alleged claim of a debt ( XXXX ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
( XXXX ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
( XXXX ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( XXXX ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
( XXXX ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
( XXXX ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
( XXXX ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( XXXX ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
XXXX ( XXXX ) The person that prepares and swears to the validation of debt must describe : XXXX ) your job description on a daily basis ; XXXX ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; XXXX ) how long have you been in your position ; XXXX ) when did you first come in contact with the alleged account/debt ; XXXX ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; XXXX ) are you the person/employee who regularly works with the alleged account/debt ; and XXXX ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 4 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260.
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12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account XXXX This is not mine. XXXX following account is not mine XXXX Account XXXX XXXXValidate Account XXXX/XXXX Account Number : Please Update all payment, all pay was made on time. XXXXValidate Account XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXXValidate Account XXXX Account Number : Please investigate and delete from my credit report. XXXXValidate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. XXXXValidate Account XXXX XXXX Account XXXX : Please remove it from my credit report. XXXXValidate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- XXXX am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t XXXXValidate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXXValidate Account XXXX INFIN Account Number : Please ensure that all information is accurate XXXXValidate Account XXXX/XXXX Account Number : Please remove it from my credit report. XXXXValidate Account XXXX Account XXXX : Please supply information on how you have verified this item. XXXXValidate Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXXValidate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed XXXXValidate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account ONEMAIN Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX/XXXX Account Number : Please removed from my public record XXXXValidate Account XXXX XXXX Account XXXX My parent has the same name as me. XXXXValidate Account XXXX Account XXXX Please supply information on how you have verified this item. XXXXValidate Account XXXX Account Number : XXXX XXXXThe following account is not mine XXXX/XXXX Account XXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time.
The Credit Bureaus never did a proper " investigation '' according to the FCRA.
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
The did not do this.
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.
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06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is a formal complaint against Equifax regarding the credit agency not fixing errors on my report. Please note that this company has over XXXX complaints that are active with the Consumer Financial Protection Bureau. Additionally, this company has XXXX complaints with the XXXX XXXX XXXX This company has fraudulent behavior and I demand that these accounts be removed from all three credit reporting agencies which includes. My original complaint was against XXXX. It has been over 45 days and Equifax has not responded to my complaint. The actions of Equifaxs violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of Equifax in their question to damage my credit standing. Equifaxs retaliatory tactics for filing a complaint against Equifax with the North Carolina Office of Financial Regulation. Additionally, Equifax had been tried in court in XXXX and XXXX for Deceptive Practices, and violations of Consumer Protections. Multiple state attorneys general, as well as the Consumer Financial Protection Bureau ( CFPB ), have sued Equifax based on similar allegations. Furthermore, Judge XXXX from the XXXX XXXXy Superior Court ruled that Equifax used deceptive and unfair conduct with relations to their students loans. Discovery continues the remaining claims against Equifax. The Attorney Generals Office has received terabytes of data from Equifax and information dating back to when it was XXXX XXXX.
XXXX lawsuit seeks to provide financial assistance and relief for thousands of Washingtonians who were subjected to XXXX unfair and deceptive loan servicing and collection practices. XXXX asserts Equifax violated the state Consumer Protection Act with numerous illegal servicing and collection methods and, as XXXX XXXX, origination of risky subprime loans to consumers.
The XXXX lawsuit came after a multi-year investigation by XXXX XXXX and the federal Consumer Financial Protection Bureau, each of which have filed lawsuits against Equifax. The states of XXXXXXXX XXXX XXXX and XXXX XXXX later filed their own lawsuits with similar claims against Equifax. Moreover, Equifax was found guilty for additional XXXX since their borrowers to receive unwarranted collection calls and required them to spend time correcting Equifaxs mistakes.
You will see that your agency is to refrain from blemishing my credit or erroneously entering any derogatory status on my credit report in case the pretender lender claims that the corresponding account is delinquent, at any time in the near future. It is NOT delinquent, because in order for it to be delinquent, there would first have had to be a legal and legitimate loan. I have enclosed the letter that I sent to Equifax with Proof of Receipt.
You are requested to send a notice of dispute to Equifax in accordance with the provisions of Section 611 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681i ( a ) ( 2 ) and your CDV/ACDV/UDF/AUDF processes.
It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.
The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.
Please be advised that the alleged debt that has been reported to you is uncollectable for the following reasons : 1. Creditor is in breach of any alleged agreement that it claims I am bound by.
2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.
3. Due to the breach and lack of full disclosure, you are reporting a collection of an alleged debt from me, under false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.
4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account. This transaction is a securitization.
5. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are reporting.
Law in support of the above : THE TRANSACTION In a credit card securitization transaction only the receivables are sold, not the accounts that generate the receivables. The financial institution retains legal ownership of the credit card accounts and can continue to change the terms on the accounts. Accounts corresponding to securitized loans are typically referred to as the designated accounts ( or sometimes trust accounts ). The initial outstanding balances on the designated accounts are sold to the trust as are the rights to any new charges on the designated accounts. Subsequently, as cardholder purchase activity generates more receivables on the designated accounts, these new receivables are purchased by the trust from the originating institution/seller/transferor. The trust uses the monthly principal payments received from the cardholders to acquire these new charges or receivables. When the securitization is initially set up, the originating institution/seller adds sufficient receivables to support the principal balance of the certificates plus an additional amount ( seller 's interest ) that serves to absorb fluctuations in the outstanding balance of the receivables. The originating institution/seller will make subsequent additions to the trust in order to keep the seller 's interest at the required level. ( Emphasis added ) See : https : //www.fdic.gov/regulations/examinations/credit_card_securitization/ch2.html SECURITIZATIONS 74. An originator of a typical securitization XXXX the transferor ) transfers a portfolio of financial assets to an XXXX, commonly a trust. In " pass-through '' and " pay-through '' securitizations, receivables are transferred to the XXXX at the inception of the securitization, and no further transfers are made ; all cash collections are paid to the holders of beneficial interests in the XXXX. In " revolving-period '' securitizations, receivables are transferred at the inception and also periodically XXXX daily or monthly ) thereafter for a defined period ( commonly three to eight years ), referred to as the revolving period. During the revolving period, the XXXX uses most of the cash collections to purchase additional receivables from the transferor on prearranged terms.
75. Beneficial interests in the XXXX are sold to investors and the proceeds are used to pay the transferor for the assets transferred. Those beneficial interests may comprise either a single class having equity characteristics or multiple classes of interests, some having debt characteristics and others having equity characteristics. The cash collected from the portfolio is distributed to the investors and others as specified by the legal documents that established the XXXX.
See Statement of Financial Accounting Standards No. 140, Financial Accounting Standards Board, XXXX XXXX ( FASB FAS140 ) This is probably the most legitimate dispute of the validity of the " loan '' you have ever seen. Therefore, you are courteously requested to enter this account as being suspended while in absolutely justified dispute. I trust that you and your management staff operate honorably and that I will never have to sue you for blemishing my credit for illegally allowing the pretender lenders erroneous and robotically unconscious computer-generated reports of default, if they occur, to lower my credit score. Wish me well in getting this resolved with the " lender '' itself, and I appreciate your protecting my credit score in the meantime. Thank you for your cooperation and I wish the best of success and happiness to you.
I declare under penalty of perjury without the United States that the above statements are the truth, the whole truth and nothing but the truth.
Sincerely, XXXX XXXX
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03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX . XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX USA DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020
Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX USA DPT ED/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXXXX/XX/XXXX DPT ED/XXXX
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09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
So when I finally decided to do the smart thing like I should have been doing all along and Monitoring my credit much closer. This included not only who was reporting information but what information was actually being reported, and thats when I noticed the largest discrepancy on my report. XXXX by themselves had reported XXXX separate student loans, now this number is probably accurate, however the issue is the information they reported. The dollar amounts were incorrect, it did not reflect any payments that I made while I was in school, finally all XXXX accounts actually reflected the EXACT same XXXX months from the same year ( which some loans didnt even exist at that time ) where there was a 90 day, then a 120 day, and finally a 180 day past due payment in consecutive order. These numbers dont even make sense because if you were 90 days then 120 days you dont automatically go to 180 days past due. I have disputed this information on six occasions because I could only dispute so many at a time and there are still XXXX accounts that are incorrect, they are still showing missed payments they are still showing delinquent status they are still showing that the loan was charged off when it was actually paid in full And satisfied so it should be a closed account showing paid in full but thats not the case. It reflects this way on all three credit bureaus which by three separate expert opinions ( XXXX and credit specialists ) show it could be affecting my credit score by as much as XXXX to XXXX points! I am at a complete loss because when I called to talk to XXXX ( yes XXXX XXXX that which I have done on at least XXXX separate occasions not only do they continue to tell me it will be corrected it will be corrected it will be corrected but its never corrected, then when I question other accounts they tell me oh well those accounts were sold off, but they dont know who they were sold off to. I live in Nebraska and their office is located in XXXX, Ive even gone there in person and set appointments up and spoken with individuals that have assured me and guaranteed me everything would be corrected and this has now been three years long from when I started to current.
So now there is no way for me to track them down because I go as far as the information takes me and I have even called called 10 or 12 different major student loan providers that buy loans from the Department of Education and none of them show any record of me holding an account with their company or an account being bought out by their company in my name. I am in my mid-30s and I can only repair my credit so much because I cant qualify for a major purchase such as a home to really solidify my credit and establish more than just buying vehicles and selling them with all payments being made on time and all loans being paid back in full. This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my student loans but with numerous other accounts. Between my three credit bureaus my student loan accounts alone Account for XXXX inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home. So my wife and I have XXXX children and cant even purchase a home because her income is not enough By itself to qualify, and heres the kicker which some people may be shocked and some people may not be shocked.
I am 100 % permanently disabled Combat Veteran and a medically retired Airborne Infantry Sergeant ( E-5 ) the United States Army. I was forced to medically retire, it was not a choice. For 10 years I was a what they considered XXXX XXXX before finally I lost my leg above the knee on my left side. I have a XXXX XXXX injury that prevents me from being able to do you a lot of things independently such as bathing or dressing myself or taking care of my children all the time. I have a Trumatic XXXX XXXX that has caused me to have to re-learn how to walk when combined with my invitation, I had to learn how to time I shoes again in my mid-20s, I did learn how to drive again but it was hard. It was extremely hard because I could not understand and comprehend traffic laws, they just would not process in my mind. I have to spend a portion of each and every single day either on crutches, walking with a cane, or in a wheelchair which limits what I am and Im not able to do although I dont let it limit me as much as possible theres only so much that I can do. This is not a sob story, this is not to make anyone feel bad for me, this is just To show that on top of everything else thats going on in my life I have been dealing with now I have been dealing with these banks and loan agencies and whatever they are referred to, right there is a prime example because I cant think of the proper term and I have paused my statement for over 15 minutes now but its XXXX AM and I have not been to sleep in almost XXXX hours because of the pain, because of my XXXX XXXX, because of the nightmares, because of the flashbacks, because of the XXXX and all of these things are amplified by the stress that this has put on to myself and my family.
A lot of people blame the department of Veterans Affairs for such a high suicide rate among veterans but Ill be the first one to tell you maybe not the first one but I will be the first one to confirm if somebody else has said the same thing that situations like this that amplify all of these different things that we suffer from mentally probably contribute more to veterans committing XXXX than anything that has to do with the department of Veterans Affairs. The reason I say this is because it puts so much stress on to not just a veteran but his or her family and then that can lead to marital issues and divorce and the break up of a cohesive family, Now you tell me if you have somebody that has been through a similar situation as I have and I have undergone 42 major surgeries under sedation to date that for eight years I have been trying to rebuild my credit so I can rebuild my life and Ive already been through one marriage that ended in divorce, however I am now married to the woman that was meant for me, whom by the way had to quit her job and quit school to become my full-time caregiver because I need help every single day just to get out of bed, to take a shower or take a bath, to get dressed, to remember things, to get two appointments, to make sure that I take my medication, to make sure my medication is refilled, to make sure that I dont stress out to the point to where I have a XXXX which my XXXX condition developed as a result of my XXXX XXXX XXXX and my XXXX XXXX injury.
So I just want this information to be put out there, I want this information to be corrected, I want to be able to get my life on track and I want to be able to move past this. I want this stress out of my life, this needs to be known this needs to be in bank public because a lot of veterans dont talk about it because its embarrassing. Its embarrassing because we are supposed to be able to provide for our family as men, this is our way of thinking, this is the way that I was raised. Thats not to say that the woman or the wife in the relationship or marriage cant work or cant make more money and be the breadwinner, its just the mindset in the way of thinking that I am trying to explain. So there it is in black-and-white, that is a snapshot of my life on a daily basis and what I deal with because on top of all of that that I just explained I didnt mention that my oldest son is XXXX, he cant speak he cant walk he cant take care of himself he cant bathe him so if he cant feed himself so he relies on myself and Primarily my wife to be able to do that to be able to live basically, so my wife has my self and my son to take care of all while not being able to work or go to school or do what she wants to do. She tells me that this is what she wants to do and I know that it is but on the flipside of the coin its not what she chose to doIts almost what she fell into have to do because there was no alternative.
The bottom line is please just put this information out there Ill continue to work on my own or work with whoever to fix my life and get my life on track but dont let this happen to anybody else veteran or not dont let this happen to anyone else because its not fair, its not right, and it 100 % should not be happening!
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09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
So when I finally decided to do the smart thing like I should have been doing all along and Monitoring my credit much closer. This included not only who was reporting information but what information was actually being reported, and thats when I noticed the largest discrepancy on my report. XXXX by themselves had reported XXXX separate student loans, now this number is probably accurate, however the issue is the information they reported. The dollar amounts were incorrect, it did not reflect any payments that I made while I was in school, finally all XXXX accounts actually reflected the EXACT same three months from the same year ( which some loans didnt even exist at that time ) where there was a 90 day, then a 120 day, and finally a 180 day past due payment in consecutive order. These numbers dont even make sense because if you were 90 days then 120 days you dont automatically go to 180 days past due. I have disputed this information on six occasions because I could only dispute so many at a time and there are still XXXX accounts that are incorrect, they are still showing missed payments they are still showing delinquent status they are still showing that the loan was charged off when it was actually paid in full And satisfied so it should be a closed account showing paid in full but thats not the case. It reflects this way on all three credit bureaus which by threXXXX separate expert opinions ( XXXX and credit specialists ) show it could be affecting my credit score by as much as XXXX to XXXX points! I am at a complete loss because when I called to talk to XXXX ( yes XXXX XXXX that which I have done on at least 15 separate occasions not only do they continue to tell me it will be corrected it will be corrected it will be corrected but its never corrected, then when I question other accounts they tell me oh well those accounts were sold off, but they dont know who they were sold off to. I live in Nebraska and their office is located in XXXX, Ive even gone there in person and set appointments up and spoken with individuals that have assured me and guaranteed me everything would be corrected and this has now been three years long from when I started to current.
So now there is no way for me to track them down because I go as far as the information takes me and I have even called called 10 or 12 different major student loan providers that buy loans from the Department of Education and none of them show any record of me holding an account with their company or an account being bought out by their company in my name. I am in my mid-30s and I can only repair my credit so much because I cant qualify for a major purchase such as a home to really solidify my credit and establish more than just buying vehicles and selling them with all payments being made on time and all loans being paid back in full. This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my student loans but with numerous other accounts. Between my three credit bureaus my student loan accounts alone Account for XXXX inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home. So my wife and I have XXXX children and cant even purchase a home because her income is not enough By itself to qualify, and heres the kicker which some people may be shocked and some people may not be shocked.
I am 100 % permanently XXXX Combat Veteran and a medically retired Airborne Infantry Sergeant ( E-5 ) the United States Army. I was forced to medically retire, it was not a choice. For 10 years I was a what they considered limb salvage before finally I lost my leg above the knee on my left side. I have a XXXX XXXX injury that prevents me from being able to do you a lot of things independently such as bathing or dressing myself or taking care of my children all the time. I have a Trumatic XXXX XXXX that has caused me to have to re-learn how to walk when combined with my invitation, I had to learn how to time I shoes again in my mid-20s, I did learn how to drive again but it was hard. It was extremely hard because I could not understand and comprehend traffic laws, they just would not process in my mind. I have to spend a portion of each and every single day either on crutches, walking with a cane, or in a wheelchair which limits what I am and Im not able to do although I dont let it limit me as much as possible theres only so much that I can do. This is not a sob story, this is not to make anyone feel bad for me, this is just To show that on top of everything else thats going on in my life I have been dealing with now I have been dealing with these banks and loan agencies and whatever they are referred to, right there is a prime example because I cant think of the proper term and I have paused my statement for over 15 minutes now but its XXXX AM and I have not been to sleep in almost 72 hours because of the pain, because of my XXXX XXXX, because of the nightmares, because of the flashbacks, because of the XXXX, and all of these things are amplified by the stress that this has put on to myself and my family.
A lot of people blame the department of Veterans Affairs for such a high suicide rate among veterans but Ill be the first one to tell you maybe not the first one but I will be the first one to confirm if somebody else has said the same thing that situations like this that amplify all of these different things that we suffer from mentally probably contribute more to veterans committing XXXX than anything that has to do with the department of Veterans Affairs. The reason I say this is because it puts so much stress on to not just a veteran but his or her family and then that can lead to marital issues and divorce and the break up of a cohesive family, Now you tell me if you have somebody that has been through a similar situation as I have and I have undergone XXXX major surgeries under sedation to date that for eight years I have been trying to rebuild my credit so I can rebuild my life and Ive already been through one marriage that ended in divorce, however I am now married to the woman that was meant for me, whom by the way had to quit her job and quit school to become my full-time caregiver because I need help every single day just to get out of bed, to take a shower or take a bath, to get dressed, to remember things, to get two appointments, to make sure that I take my medication, to make sure my medication is refilled, to make sure that I dont stress out to the point to where I have a XXXX which my XXXX condition developed as a result of my XXXX XXXX XXXX and my XXXX XXXX injury.
So I just want this information to be put out there, I want this information to be corrected, I want to be able to get my life on track and I want to be able to move past this. I want this stress out of my life, this needs to be known this needs to be in bank public because a lot of veterans dont talk about it because its embarrassing. Its embarrassing because we are supposed to be able to provide for our family as men, this is our way of thinking, this is the way that I was raised. Thats not to say that the woman or the wife in the relationship or marriage cant work or cant make more money and be the breadwinner, its just the mindset in the way of thinking that I am trying to explain. So there it is in black-and-white, that is a snapshot of my life on a daily basis and what I deal with because on top of all of that that I just explained I didnt mention that my oldest son is XXXX, he cant speak he cant walk he cant take care of himself he cant bathe him so if he cant feed himself so he relies on myself and Primarily my wife to be able to do that to be able to live basically, so my wife has my self and my son to take care of all while not being able to work or go to school or do what she wants to do. She tells me that this is what she wants to do and I know that it is but on the flipside of the coin its not what she chose to doIts almost what she fell into have to do because there was no alternative.
The bottom line is please just put this information out there Ill continue to work on my own or work with whoever to fix my life and get my life on track but dont let this happen to anybody else veteran or not dont let this happen to anyone else because its not fair, its not right, and it 100 % should not be happening!
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01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
I reached out to Equifax/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX/multiple times Ive sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity theft XXXXEQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXexcept his otherwise provided in the section, a consumer reporting agency shower block, the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency a a copy of the identity theft report a statement by the consumer, that the information is not information relating to any transaction by the consumer these are the fraudulent accounts that are fraudulently, reporting, fraudulent names, fraudulent ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} XXXX ( XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$320.00} ) ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX AMOUNT {$46000.00} ) ( XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$320.00} ) ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX/EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXXEQUIFAX/XXXX XXXX/XXXX/EQUIFAXXXXX XXXX XXXX XXXXXXXX XXXXIs also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXEQUIFAXXXXX XXXX XXXX XXXX XXXX/According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} {$45000.00} {$97000.00} {$320.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
|
06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
*******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq.
and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.
This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.
XXXX This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( 1 ) The name and address of the organization or other governmental unit alleging a debt ; ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( 3 ) The name of the actual creditor even if that is myself ; ( 4 ) The origin of the funds used to create this alleged claim of a debt ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
( 8 ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( XXXX ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
XXXX ( 11 ) The person that prepares and swears to the validation of debt must describe : XXXX ) your job description on a daily basis ; XXXX ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; XXXX ) how long have you been in your position ; XXXX ) when did you first come in contact with the alleged account/debt ; XXXX ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; XXXX ) are you the person/employee who regularly works with the alleged account/debt ; and XXXX ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 4 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260.
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08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX I hope this letter finds you well. I am writing to lodge a formal dispute regarding a series of violations that have adversely affected my financial well-being, and to respectfully request the Consumer Financial Protection Bureau 's intervention in enforcing my legal rights under the applicable laws.
My journey with the credit reporting system has been a source of immense frustration and distress. As a conscientious individual who values financial responsibility, I was deeply alarmed to discover a sequence of unauthorized credit pulls and inaccuracies on my credit report. These violations have had a profoundly detrimental impact on my life, significantly compromising my ability to obtain loans, secure housing, and even pursue meaningful employment opportunities.
Unauthorized Credit Pulls : It has come to my attention that a number of creditors have executed unauthorized credit pulls without my explicit consent. Specifically, the following creditors have engaged in this practice : XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
These unauthorized credit pulls raise concerns under the provisions of the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 604, creditors are required to have permissible purposes for accessing credit reports. I assert my right to dispute these unauthorized credit inquiries and request their immediate removal from my credit report.
Inaccurate Account Information : Furthermore, I have discovered several accounts on my credit report that are marred by inaccurate reporting, thereby unjustly tarnishing my creditworthiness. The following accounts are particularly concerning : XXXX ( Account number : XXXX ) XXXX XXXX ( Account number : XXXX ) XXXX XXXX XXXX ( Account number : XXXX ) XXXX ( Account number : XXXX ) These inaccuracies are a direct violation of the FCRA, which mandates accurate and fair credit reporting. I request that the Consumer Financial Protection Bureau takes immediate action to rectify these inaccuracies and restore the integrity of my credit information.
Inaccurate Address Information : Additionally, my personal information, including addresses, has been inaccurately reported on my credit file. The addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been incorrectly attributed to me. Such errors not only compromise my credit history but also pose potential issues for future communication.
Violation of Consumer Protection Laws : These actions by creditors and credit reporting agencies may potentially contravene consumer protection laws, thereby perpetuating unjust practices. I urge the Consumer Financial Protection Bureau to meticulously investigate these actions to ensure that such violations are not left unaddressed.
Identity Theft Laws : Furthermore, the questionable accounts and unauthorized credit pulls suggest the possibility of identity theft, which is deeply concerning. Laws related to identity theft and fraud are particularly relevant in addressing these issues.
Debt Collection Laws : It is worth noting that certain accounts may be subject to debt collection laws, including the Fair Debt Collection Practices Act ( FDCPA ) which mandates fair and ethical debt collection practices.
In light of the foregoing, I am mindful of the need to consult legal professionals to ascertain the specific codes, sections, and subsets of the aforementioned laws that are pertinent to my situation. I am committed to pursuing justice and the restoration of my financial well-being.
In sharing my personal story, I want to convey the emotional turmoil that these violations have unleashed upon my life. The weight of these violations has resulted in sleepless nights and profound XXXX, as I grapple with the implications for my family 's livelihood. The stress induced by these violations has cast a shadow over my aspirations for a secure financial future.
I humbly implore the Consumer Financial Protection Bureau to uphold its role as a guardian of consumer rights and ensure the enforcement of my legal rights. I urgently request that the unverified accounts, inaccuracies, and unauthorized credit pulls be removed from my credit report. By doing so, the Consumer Financial Protection Bureau will not only rectify my personal predicament but will also exemplify its commitment to a just and transparent credit reporting system.
I earnestly await your response and the resolution of this matter. Thank you for your attention to this pressing issue.
Sincerely, XXXX XXXX
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10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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These inquiries were fraudulently added too my consumer reports on XXXX AND EQUIFAX after I called and repeated times I said multiple documentations via FTC and CFPB complaints. I still have not had this situation resolved. Here are the inquiries that are on my consumer reported fraudulently on XXXX AND EQUIFAX listed below. XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these are the inquiries that exist on my Equifax consumer reported at the present of me filing this complaint. XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXXXXXX XXXX XXXXXXXX XXXX XXXX never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts. I Sent my letter off on XX/XX/XXXX, XXXXI told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. To Whom It May Concern : Be advised this is an identification theft notice 1 am requesting fraudulent accounts on my consumer report removed under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports at this time I will also inform you that if your offices have or continue to report invalidated information this includes ( Equifax, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company vou represent. I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action
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08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AFFIDAVIT OF TRUTH I, XXXX XXXX, a consumer a natural person of age and competent to testify, state as follows based on my own personal knowledge : I, XXXX XXXX XXXX a consumer, a natural person pursuant to federal law 15 USC 1692a ( 3 ).
( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.
I, XXXX XXXX XXXX a consumer, a natural person the ORIGINATOR The ( Original Creditor ) pursuant to federal law 15 USC 1692a ( 4 ).
( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
I, XXXX XXXX XXXX a consumer a natural person The Originator ( Original Creditor ) is providing you my written consumer report pursuant to Federal law 15 USC 1681a ( d ) ( 1 ) ( d ) CONSUMER REPORT.
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for As a consumer, a natural person I have the right to privacy pursuant to federal law 15 USC 1681 ( a ) ( 4 ).
( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant to 15 USC 1681b ( e ) ( 1 ) ( e ) ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS ( 1 ) IN GENERAL A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
I am demanding each account listed below removed or delete from my consumer report pursuant to Pursuant to 15 USC 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX XXXX XXXX a consumer a natural person did NOT consent to or give express written permission to furnish these accounts on my consumer report. Please provide proof of consumer express written consent forms for accounts list below.
I am demanding deletion of entire accounts listed below : 1. XXXX XXXX XXXX- Remove or delete this account from my consumer report.
2. THE Bureaus- Remove or delete this account from my consumer report.
3. XXXX XXXX XXXX Remove or delete this account from my consumer report.
4. DEPT OF ED/XXXX- Remove or delete this account from my consumer report.
5. XXXX Remove or delete this account from my consumer report.
6. US DEPARTMENT OF ED- Remove or delete this account from my consumer report 7. XXXX XXXX XXXX Remove or delete this account from my consumer report 8. XXXX- Remove or delete this account from my consumer report 9. XXXX XXXX XXXX Remove or delete this account from my consumer report I, XXXX XXXX XXXX a natural person is requesting an investigative consumer report and if you investigated it please provide documentary evidence of who you interviewed and if you interviewed them it should NOT include facts pursuant to federal law 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Under Penalty of Perjury consumer was NOT provided with documentary evidence or material facts regarding questions below required by Fair Debt Collection Practice Act ( FDCPA ) Law.
1. Consumer was NOT provided a furnish a copy of the original promissory note redacting my social security number to prevent identify theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
2. Consumer was NOT provided the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.
3. Consumer was NOT provided ANY identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
4. Consumer was NOT provided ANY verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.
5. Consumer was NOT provided ANY verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
6. Consumer was NOT provided ANY verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are nontransferable.
7. Consumer was NOT provided ANY verification from the stated creditor that you are authorized to act for them.
Under Penalty and Perjury Consumer was NOT provided ANY Documentary Evidence or Material Facts from these corporations below.
1. Consumer is NOT in receipt of any document which verifies that corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX have standing to collet any money allegedly owed in Florida.
2. Consumer is NOT in receipt of any document which verifies that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX has standing to collect any money that they claim I owe in the state of FLORIDA court by virtue of being duly registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX ONEMAIN LENDINGCLUB BANK NA meeting the minimum contacts requirements for in personam jurisdiction in Florida.
3. Consumer is NOT in receipt of any document which verifies that I have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX ONEMAIN XXXX XXXX XXXX 4. Consumer is NOT in receipt of any document which verifies that I owe money to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. As a result of the harassment by these corporations.
I have been damaged financially, socially, and emotionally.
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05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX XXXX '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I have submitted two prior complaints through the CFPB portal directly regarding XXXX XXXX. Both times, XXXX XXXX has lied and stated they have mailed me the results to my dispute on this matter. Please refer to CFPB complaint # XXXX that was submitted on XX/XX/XXXX. In this complaint, I respectfully asked XXXX XXXX to cease-and-desist from sharing my non-public personal information to non-affiliated third parties per 15 USC 6801, 15 USC 6802, 15 USC 6803. 15 USC 6809, and the Gramm-Leech Bliley Act of XXXX Instead of following my demands, they responded with a bogus response of we mailed you the results. That was a lie, that was sent over through the CFPB on XX/XX/XXXX and it is currently XX/XX/XXXX and I still have not received anything in the mail. Never will. XXXX XXXX lied and said they mailed me a detailed response to my complaint. It has been almost two months, and I have not received anything in the mail regarding this matter. This financial institution is playing games, and this is a stall tactic on their end. They are infringing on my federally protected rights to privacy per 15 USC 6801, 15 USC 6802, 15 USC 6803 and 15 USC 6809, by sharing my non-public personal information to non-affiliated third parties. XXXX XXXX account # XXXX that is reporting on my consumer report is not fair and is partial. It is reporting wrong across all three major CRAs ( XXXX, XXXX, and Equifax ), and is reporting income on my consumer report, per IRS publication 4681. They are also breaking 15 USC 1681 to fair and accurate credit report. In addition to this, XXXX XXXX has also violated 15 USC 1681i ( a ) ( 7 ) by not responding within thirty ( 30 ) days. This account # XXXX needs to be deleted immediately for failure to respond per 15 USC 1681i ( a ) ( 7 ). Per 15 USC 1681i ( a ) ( 7 ), A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I never received a response to this matter. Their response was we put it in the mail. They put nothing in the mail. They should have to post their response in the CFPB portal to avoid this fraud and stall tactic theyre using. By the two-week mark of not hearing a response from my first complaint, I submitted another complaint through the CFPB, please refer to CFPB complaint # XXXX that was submitted on XX/XX/XXXX. In this complaint, I addressed the same concerns regarding XXXX XXXX ignoring my demands to cease-and-desist from sharing my non-public personal information with non-affiliated third parties. I also addressed the matter of XXXX XXXX NOT responding to my initial complaint dated on XX/XX/XXXX and how XXXX, one of XXXX XXXX XXXX XXXX XXXX, blatantly did not address my concerns regarding my complaints. Both times I sent CFPB complaints, the same XXXX who works for XXXX emailed me. The first email was received on XX/XX/XXXX and the second email was received on XX/XX/XXXX ( please refer to exhibits below ). Per my second CFPB complaint ( referring to CFPB complaint # XXXX ), XXXX responded with we responded to XXXX XXXX since they were representing you. This is also a lie! Yes, XXXX XXXX WAS representing me with a POA, but since then it has been revoked on XX/XX/XXXX after I discontinued their services. Just to verify is XXXX XXXX sent XXXX XXXX the results, I went ahead and called XXXX XXXX myself on XX/XX/XXXX. XXXX XXXX did NOT send XXXX XXXX with a response to my CFPB complaint # XXXX like their response states. I called XXXX XXXX myself on XX/XX/XXXX and spoke to two different representatives : XXXX and XXXX, both who informed me that XXXX XXXX never mailed any documentation to them on my behalf. Please call XXXX XXXX yourself and they will tell you the same thing ( XXXX ) XXXX. Also, the phone number XXXX told me to call and speak to XXXX XXXX directly did NOT work. That line is disconnected. XXXX, XXXX of XXXX XXXX employees for Customer Advocacy,, is a liar and blatantly infringing on my requests and demands to privacy. He and XXXX XXXX financial institution are knowingly breaking federal law. I demanded on XX/XX/XXXX for XXXX XXXX to Cease and Desist from sharing my non-public personal information with non-affiliated third parties. This company has ignored my requests and has defaulted. By doing this, they are breaking the law per 15 USC 6801, 15 USC 6802, 15 USC 6803, 15 USC 6809, and the Gramm-Leech Bliley Act of 1999. They are also not reporting fairly or accurately on my behalf since they are reporting income on my consumer file which is against the IRS publication 4681 for cancelled debts. They are reporting a charge-off status every month which is inaccurate and are repeatedly reporting late payments on a charged off account. This financial institution is violating 15 USC 1681 to a fair and accurate credit report and violating my rights to privacy. I also demanded a copy of the agreement where is clearly and conspicuously discloses the sharing of my non-publics personal information. They have failed to provide me the proper documentation regarding this matter as well. Or to them its IN THE MAIL. Lies and lies. Please SHOW ME the PROOF XXXX XXXX that YOU sent ANY documentation in the mail. I doubt you can show that because it is a LIE. They failed to RESPOND AT ALL. They have defaulted multiple times for multiple reasons. They are not complaint with federal laws including the FCRA. They are playing games and breaking the law on my behalf, a federally protected consumer. I have endured lots of pain and suffering due to this account fraudulently reporting on my behalf. I have been denied credit, vehicle loans, and a mortgage due this financial institutions unlawful practices. I requested XXXX XXXX to mail XXXX XXXX the revoked POA paperwork on XX/XX/XXXX and I also have paperwork on my behalf how they are no longer responsible for my accounts that were previously enrolled in the program ( please refer to exhibit ). After not hearing from XXXX XXXX TWICE, I decided to file an Attorney General Complaint and a complaint with the Florida Department of Agriculture and Consumer Services ( Case # XXXX ). These complaints were filed on XX/XX/XXXX. The only time that I have received any mail from XXXX XXXX was AFTER the Florida Department of Agriculture and Consumer Services reached out to XXXX XXXX on my behalf. I got a response from XXXX, one of the Executive Office members of Customer Advocacy. The letter was dated on XX/XX/XXXX but was received on XX/XX/XXXX ( please see exhibit ). I demand this company to STOP their stall tactics and to remove this account from my consumer report immediately! Nothing is fair or partial on this account. I have already filed an FTC report ( that XXXX is well aware of ) and have escalated this to federal and state complaints. Due to the intensity of needing to dispute information on my consumer report and not hearing a response in a timely fashion, XXXX has caused me mental anguish, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have been denied credit card applications due to these fraudulent accounts being on my report, I have been denied vehicle loans and the auto loan I did get on my truck resulted in a VERY high interest rate of 24 %, I have been denied additional lines of credit ( please see exhibit below for not getting approved for a Credit Card through XXXX XXXX ), I have been denied increased credit card limits, I have been denied a mortgage for a home for my family. ALL of this is due to XXXX XXXX fraudulently reporting on my behalf without my verbal or written consent. I have endured years upon years of continuous denial, along with pain and suffering from XXXX XXXX and their impermissible reporting of information on my consumer report. Not only has this company caused pain and suffering, but they are also preventing my family from getting a home via a mortgage loan, being unable to refinancing my vehicle loan to a lower interest rate to save money, and not being able to obtain new credit cards with better rates. Clearly, I have been severely impacted by this company. This is also a defamation of character on my behalf. These accounts being reporting on my consumer file wrongfully and non-consented are a false statement of who I am as a human, a person of society, and a career driven mother. Please note that I am also reporting this matter to the major CRAs for XXXX XXXX blatantly breaking the law.
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08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AFFIDAVIT OF TRUTH I, XXXX XXXX, a consumer a natural person of age and competent to testify, state as follows based on my own personal knowledge : I, XXXX XXXX XXXX a consumer, a natural person pursuant to federal law 15 USC 1692a ( 3 ).
( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.
I, XXXX XXXX XXXX a consumer, a natural person the ORIGINATOR The ( Original Creditor ) pursuant to federal law 15 USC 1692a ( 4 ).
( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
I, XXXX XXXX XXXX a consumer a natural person The Originator ( Original Creditor ) is providing you my written consumer report pursuant to Federal law 15 USC 1681a ( d ) ( 1 ) ( d ) CONSUMER REPORT.
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for As a consumer, a natural person I have the right to privacy pursuant to federal law 15 USC 1681 ( a ) ( 4 ).
( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant to 15 USC 1681b ( e ) ( 1 ) ( e ) ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS ( 1 ) IN GENERAL A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
I am demanding each account listed below removed or delete from my consumer report pursuant to Pursuant to 15 USC 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX XXXX XXXX a consumer a natural person did NOT consent to or give express written permission to furnish these accounts on my consumer report. Please provide proof of consumer express written consent forms for accounts list below.
I am demanding deletion of entire accounts listed below : 1. XXXXXXXX XXXX XXXX- Remove or delete this account from my consumer report.
2. XXXX XXXX- Remove or delete this account from my consumer report.
3. XXXX XXXX XXXX Remove or delete this account from my consumer report.
4. DEPT OF ED/XXXX- Remove or delete this account from my consumer report.
5. XXXX Remove or delete this account from my consumer report.
6. US DEPARTMENT OF ED- Remove or delete this account from my consumer report 7. XXXX XXXX XXXX Remove or delete this account from my consumer report 8. XXXX- Remove or delete this account from my consumer report 9. XXXX XXXX XXXX Remove or delete this account from my consumer report I, XXXX XXXX XXXX a natural person is requesting an investigative consumer report and if you investigated it please provide documentary evidence of who you interviewed and if you interviewed them it should NOT include facts pursuant to federal law 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Under Penalty of Perjury consumer was NOT provided with documentary evidence or material facts regarding questions below required by Fair Debt Collection Practice Act ( FDCPA ) Law.
1. Consumer was NOT provided a furnish a copy of the original promissory note redacting my social security number to prevent identify theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
2. Consumer was NOT provided the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.
3. Consumer was NOT provided ANY identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
4. Consumer was NOT provided ANY verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.
5. Consumer was NOT provided ANY verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
6. Consumer was NOT provided ANY verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are nontransferable.
7. Consumer was NOT provided ANY verification from the stated creditor that you are authorized to act for them.
Under Penalty and Perjury Consumer was NOT provided ANY Documentary Evidence or Material Facts from these corporations below.
1. Consumer is NOT in receipt of any document which verifies that corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX have standing to collet any money allegedly owed in Florida.
2. Consumer is NOT in receipt of any document which verifies that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX has standing to collect any money that they claim I owe in the state of FLORIDA court by virtue of being duly registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX meeting the minimum contacts requirements for in personam jurisdiction in Florida.
3. Consumer is NOT in receipt of any document which verifies that I have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 4. Consumer is NOT in receipt of any document which verifies that I owe money to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. As a result of the harassment by these corporations.
I have been damaged financially, socially, and emotionally.
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04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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DEPT OF EDXXXX {$2500.00} Balance updated XX/XX/XXXX XXXX late payment Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 27 % Balance on XX/XX/XXXX Loan Amount {$2500.00} {$3500.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$3500.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX - - - - - - - - - - - XXXX - - - - - - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 51 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$770.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 20 % Balance on XX/XX/XXXX Loan Amount {$770.00} {$960.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount $ XXXX Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX - - - - - - - - - - - XXXX - - - - - - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 51 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$4900.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$4900.00} {$4100.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$4100.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX - - - - - - - - - - - XXXX - - - - - - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 93 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$5000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$5000.00} {$4500.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$4500.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX XXXX - - - - - - - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$6700.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6700.00} {$6000.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$6000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX XXXX - - - - - - - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$5000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$5000.00} {$4500.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$4500.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$6500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6500.00} {$6000.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$6000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account 1 collection account Total balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1100.00} {$1100.00} Payment Info Original balance {$1100.00} Balance {$1100.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account
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10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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These inquiries were fraudulently added too my consumer reports on XXXX AND EQUIFAX after I called and repeated times I said multiple documentations via FTC and CFPB complaints. I still have not had this situation resolved. Here are the inquiries that are on my consumer reported fraudulently on XXXX AND EQUIFAX listed below. XXXX Inquiry : XXXX XXXX, XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX and these are the inquiries that exist on my Equifax consumer reported at the present of me filing this complaint. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.
I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction.
15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : XXXX I XXXX XXXX XXXX never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.
You also do not have any permissible purpose to furnish my personal information to any third party.
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following accounts. I Sent my letter off on SEPTEMBER 1, 2022I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. To Whom It May Concern : Be advised this is an identification theft notice 1 am requesting fraudulent accounts on my consumer report removed under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports at this time I will also inform you that if your offices have or continue to report invalidated information this includes ( Equifax, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company vou represent. I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action
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09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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My personal information was stolen in 2021, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and immediately Remove all inaccurate accounts I have listed. In accordance with the Fair Credit Reporting act XXXX Account # xxxx XXXX has violated my rights by reporting fraudulent information across all XXXX credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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08/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
Good Day, This is my Forth & Final Attempt!!! to be relieved of the XX/XX/XXXX - XXXX XXXX Dealer Services auto loan on the XX/XX/XXXX XXXX XXXX XXXX. I do not believe that I have received satisfactory service or communication as it pertains to this matter, and at this time would like to request that my claim be escalated and expedited by the proper XXXX XXXX representation. This loan in its entirety has become a detriment to my financial fluidity and quality of life. Since I began my claim – the vehicle has been repossessed, and sold at an auction without my knowledge. I was advised that I would receive notice of when the vehicle would be taken to auction, and that never happened. This has greatly impacted my ability to get to – and – from work, as well as made it very difficult to pick-up/drop-off my children. Due to the negative credit reporting of this auto loan – I am currently unable to finance another vehicle without first satisfying the XXXX loan. Additionally, I am incurring astronomical charges in XXXX fees to get my family from point A – to – B. This is a very stressful disheartening experience for a family with young children. The late auto loan charges, fraudulent insurance charges and associated repossession fees have been collected from me and has caused my family to be restricted in lifestyle due to fraud. I request that action be taken immediately to rectify my loan agreement with XXXX. ----------------- ORIGINAL LETTER SENT ON – XX/XX/2019 ------------------My name is XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I entered a financial agreement with XXXX XXXX Dealers Services to finance the purchase of a XX/XX/XXXX XXXX XXXX XXXX. Per Case Number: XXXX “XXXX XXXX COLLATERAL PROTECTION INSURANCE LITIGATION” it has come to my attention that I have been subject to several of the unethical business practices involved with the XXXX XXXX Auto Loan Product. There was no way I could have discovered through the exercise of reasonable diligence, that the forced-place unnecessary CPI policy I received existed while paying my XXXX XXXX Loan. Outlined below is the misconduct of XXXX XXXX - XXXX XXXX: A. Misrepresenting the terms of its auto loans to customers upon their initial application and throughout the application process;1. At the time that I signed my XXXX XXXX Auto Loan XXXX XXXX neglected to inform me of the forced placed insurance policy that was endorsed on my auto loan. 2. The payments that I agreed to on XX/XX/XXXX during the origination of my loan were increased without my knowledge. 3. I was not made aware of this information, and would have elected to decline the loan as it was offered. B. Transmitting loan application and other customer information to XXXX XXXX; 1. I was not informed that CPNI and loan application details would be passed to a third-party.2. I was not made aware of this information, and would have elected to decline the loan as it was offered. C. Misrepresenting the role that XX/XX/XXXX played in the loan application process;1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. D. Misrepresenting the circumstances under which customers would receive a force-placed CPI policy; 1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. E. Force-placing unnecessary and undisclosed CPI policies;1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. 3. I was not aware of the details of the policy and was not able to access/accept the terms and conditions of the forced placed CPI policy. 4. I was not aware of the financial scope or impact of the payment amounts or dates.F. Concealing the true nature of its relationship with XX/XX/XXXX from customers;1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. 3. I was not aware that I was engaging in a contractual agreement with XX/XX/XXXX and was not aware of their company policies, procedures or ethics. 4. I was not made aware of this information, and would have elected to decline the loan as it was offered. G. Paying XX/XX/XXXXl the alleged value of premiums that XX/XX/XXXX wrote on borrowers’ automobile loans;1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. 3. I was not aware that my loan had third party insurance underwriting or the terms and conditions of the forced placed insurance. 4. I was not made aware of this information, and would have elected to decline the loan as it was offered. H. Collecting monthly payments from Class members, including premium charges and interest;1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. 3. I made several payments at XXXX XXXX Branch Locations and was not made aware of any forced placed insurance on my account at that time. 4. I was not made aware of this information, and would have elected to decline the loan as it was offered. 5. Charges were inflated and principal loan credit reporting have been reported wrongfully and inaccurately since the inception of the loan. 6. I was not made aware of this information, and would have elected to decline the loan as it was offered. I. Misrepresenting to credit reporting agencies and to Class members that there were delinquencies when CPI premiums and insurance were not paid1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was subject to a substantial credit score decrease for the entirety of the XXXX XXXX Auto Loan. 3. I was subject to higher interest rates based off of the credit reporting of the XXXX XXXX Auto Loan. 4. I was subject to credit rejection based off of the credit reporting of the XXXX XXXX Auto Loan. J. Misrepresenting to credit reporting agencies, Class members, and the Courts that repossession of Class members’ vehicles was authorized because Class members were delinquent on their loan accounts. 1. I was subject to repossession based off of the default of the XXXX XXXX Auto Loan. It saddens me to come to the understanding that this has been my latest experience with XXXX XXXX - because my family and I have been long term customers. I would not like to take up any legal action in the event that we are able to come to an amicable agreement. On the basis of 18 U.S.C. § 1964(c)/18 U.S.C. § 1341/18 U.S.C. §1343 I would like to request the following:1) Immediate removal of any negative payment reporting to the credit bureau associated with this loan 2) Immediate return of repossessed XX/XX/2013 XXXX XXXX3) Immediate modification of the fraudulent XXXX XXXX Auto Loan4) Immediate refund of all payments during the forced placed CPI period 5) Immediate refund of all post-charge off fees associated with XXXX XXXX Auto Loan 6) Immediate refund of all repossession related fees. Mail Fraud: Defendants violated 18 U.S.C. § 1341 by sending and/or receiving, or causing to be sent and/or received, materials via U.S. mail or commercial interstate carriers, for the purpose of executing the unlawful and fraudulent scheme to profit from force-placed CPI policies. Wire Fraud: Defendants violated 18 U.S.C. §1343 by transmitting and/or receiving, or by causing to be transmitted and/or received, materials by wire for the purpose of executing the unlawful and fraudulent scheme to profit from force-placed CPI policies. Due to the negligence on behalf of XXXX XXXX I have been unnecessarily immobilized, and humiliated. I am an early career XXXX, and had every intention of using this credit building opportunity to further increase my credit worthiness, progressively increase my quality of life for myself and my family. After being impacted this way I seek to be exonerated of this loan agreement with XXXX XXXX/XXXX XXXX. Thank You, XX/XX/XXXX
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04/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I disputed these fraudulent inquiries many times.
The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXL XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX OF XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX
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01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I reached out to Equifax/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX times Ive sent out multiple FTC reports BBB reports California consumer protection and innovation complaints as well as a California state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information XXXX from identity theft XXXX/EQUIFAX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXexcept his otherwise provided in the section, a consumer reporting agency shower block, the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency a a copy of the identity theft report a statement by the consumer, that the information is not information relating to any transaction by the consumer these are the fraudulent accounts that are fraudulently, reporting, fraudulent names, fraudulent ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedMay XXXX, XXXX AMOUNT {$46000.00} XXXX ( XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX amount {$21000.00} ) ( XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$320.00} ) ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX AMOUNT {$46000.00} ) ( XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$320.00} ) ( XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXXnquiry Date XXXX XXXX XXXX XXXX XXXXate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX/EQUIFAX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXinto the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXX/EQUIFAX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAXXXXX XXXX XXXXXXXX XXXX XXXXAccording to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$21000.00} {$45000.00} {$97000.00} {$320.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
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05/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Servicemember |
On XXXX XXXX XXXX , after sending certified dispute letters, filing online and several calls, I spoke with a agent at Equifax ( XXXX in Nevada ) she was very rude and did n't fully verify who I was even though there is a fraud alert and previous security freeze on my file. I asked to be transferred to a supervisor and got bounced around several times. I finally reached a supervisor in the fraud department ( XXXX ) I informed her of the previous disputes out the Bankruptcy ( XXXX ) as well as the accounts/public record and the inquires made without my consent. I was informed to file a police report. I had her on the phone while I was at the police station and the sergeant on duty told me that unless there is a current balance owed on the information that there was no need for a police report. When I returned to the call, she stated that if I faxed the information showing that, XXXX is reporting to them and the Bankruptcy court letter saying they have n't and do n't report to them, she would delete the unauthorized/non-contract holding accounts and inquiries seeing as no one has every provided me with the proof nor verification requested. I received a confirmation number of XXXX and was told it may take up to 30 day for the items to be deleted and me to receive an updated report showing so. On Saturday, XXXX XXXX , I received XXXX so called updated credit report dated XXXX XXXX XXXX . The first, ( XXXX ) stating that the inquiries, I did n't consent to, Best Buy ; XXXX ; XXXX XXXX Bank ; XXXX XXXX XXXX CO ; and XXXX from Equifax Mortgage are factual record of file access and they will not delete. Stated that I again need to contact each and every creditor. The second, ( XXXX ) stated that the above inquiries as well as XXXX XXXX ; XXXX from XXXX XXXX ; XXXX XXXX XXXX XXXX have been deleted from my credit file. The Bankruptcy listed above and accounts associated with it, updated report date of XXXX XXXX , XXXX , verified through XXXX and will remain. The third only stated that inquiries are to remain for XXXX years if with the fraud alert and security freeze. I filed a complaint on XXXX , XXXX with the cfpb and the XXXX . Called on Equifax back on XXXX XXXX ( XXXX ) an agent ( XXXX ) answered and only asked me to verify the last XXXX of my social security number. I asked for the fraud department and was transferred to an agent ( XXXX ) w ho also only asked for me to verify my last XXXX when I refused and asked for her supervisor, she hung up. I returned the call and agent ( XXXX ) asked me to only spell my last name and told me she saw that I had a fraud alert and transferred me to agent ( XXXX ). I began telling him what happened and he placed me on hold for XXXX minutes and came back and stated that the Bankruptcy court sent them information verifying the case listed above. When I again asked for proof of this verification as well as names of parties involved and dates and addresses and numbers, he then stated that they sent a runner to the courts. XXXX XXXX XXXX , XXXX at XXXX pm CT, I called again to find out what was going on and why they have n't delete the information. The agent answering the call never verified who he was but proceeded to tell me he has me credit file pulled up, no verification of who I am, and placed me on hold to review. He came back online at XXXX and I immediately asked for a US agent in the fraud department as he was reading my information he transferred me after holding for XXXX minutes to agent ( XXXX ) she verified myself and we began the same conversation as with previous agents. She placed me on hold after I stated Equifax Credit Information Services , Inc is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, and constantly changing the dates that are reported on the credit report to prolong the length of time that it is reported on the report. I sent Equifax several letters requesting signed, written verification or validation. They just respond to me that the Bankruptcy and accounts are verified. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the US Bankruptcy Courts and I was told a court clerk ( Mrs. XXXX ), that they do not, will not and never will report to the credit reporting agencies due to privacy laws. Equifax is saying that these debts are verified, Who is verifying them??? She transfer me to her supervisor. Supervisor XXXX answered call at XXXX pm and placed me on a short hold to view my file. He verified me and told me that the Bankruptcy disputed on XXXX XXXX is still processing because they did n't start the dispute until XXXX XXXX . I informed of the XXXX letters I received as well as what other agents stated. He told me that they did receive the files I sent even though I was told they never received anything from me. He proceeded to tell me that they verified it when the courts sent my file to them. I asked for this verification, he stated they were not allowed to disclose the information. I was in tears. I told him how long this process has been going on with every agent stating something different. It 's frustrating having to prove who I am and that I did n't do something or it is n't mine. He then stated, that what he said was n't true and that the courts do n't verify it but a XXXX party called XXXX did verify it when Equifax called them. Again I asked for name, number called and proof, because I sent them the consumer file I received from XXXX as well as them having the copies sent to them from the cfpb. He told me okay that is n't true either and that they sent a runner to the courts. I asked him was he kidding me, he lied to me and violated my rights and he said they ca n't do anything. I yet again asked to speak to someone else because he truly upset me. At XXXX , A supervisor ( XXXX ) came on the line and told me that the previous agent filled him in on the situation. I asked him if the other agent told him of the lies he told me and he said no. He asked for a moment to read the notes and laughed. He apologized for the previous agent. I stated that the encounter alone, should have had the file deleted. He told me that the dispute from XXXX XXXX is still pending because no one has responded nor verified the file. I asked him what they used to verify and he asked for my email address and stated that he would send me what they use and that he would take care of the removal. I asked how could he do that, when everyone else for months has said no and sent no proof. He told me it will be explained in the email and then gave me a confirmation number ( XXXX ) to check back with. This has been such a long and worn out process and still they are violating the FCRA as well as myself. I have sent certified mail to all XXXX credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response was that they do n't supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail and several faxes as well as online disputes, showing that and requested that they remove those accounts. They have yet to update my credit and have failed to remove this account. I have went to my local police to file a report about my identity theft like the credit bureaus have asked me to do and was denied due to no current balances on the accounts. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case leading me to obtain legal counsel to file a lawsuit as soon as possible due to the fact that all XXXX have violated the FCRA Laws without total disregard to the damage it does to consumers. Equifax has just settled a class action lawsuit over this exact same issue, I will be a part of the suit also.
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06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act Dept of EducationXXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
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Web |
|
Dear Sir or Madam : On XX/XX/XXXX, ( a Tuesday morning ) I, XXXX XXXX XXXX XXXX Complainant ) had contacted the Equifax Information Services LLC XXXX Equifax XXXX XXXX representative from their customer service number, XXXX at approximately XXXX ; in order to add a new dispute for which, my former address, XXXX XXXX XXXX XXXX Apartment Number : XXXX, in the City of XXXX XXXX in the State of Illinois and in the zip code area of XXXX was unlawfully dropped/deleted from my Equifax credit file report in my Former Status section address dated on XX/XX/XXXX XXXX see exhibit A ) without my lawful authority. Nor, have I received, any text dropped/deleted message notifications alert from Equifax for the change in my Former Status section address ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois, XXXX ) stated herein. And, I was prompt by ways of the Equifax XXXX prompt instructions to enter, my XXXX ( XXXX ) personal verifiable information and, answers, my XXXX ( XXXX ) verification questions for which, I had answered all, my verifiable questions correctly ; in order for, I to proceed with a live Equifax telephone representative on my XXXX ( XXXX ) telephone automation prompt call. And, I was connected with an Equifax XXXX telephone representative with a XXXX accent who had taken my call-in order to start a new Equifax dispute complaint and, the Equifax XXXX telephone representative with a XXXX accent kept on reiterating, insinuating, or implying that the Equifaxs computer system was Too Slow stated by him indirectly by ways of his hinting/suggesting that I am supposedly be a too slow of a person, or I am a XXXX XXXX XXXX XXXX. After, I had stated, why, I had wanted to start a new dispute because of my Former Status section address ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois, XXXX XXXX had either been deleted or dropped from my Equifax credit file account for no apparent reasons. And, I had stated to the Equifax XXXX XXXX representative with a foreign accent in which, I had explained, I had XXXX ( XXXX ) Equifax XXXX file reports for XXXX, the first ( XXXX ), report confirmation number as, XXXX ( see exhibit B ) dated on XX/XX/XXXX and, the second ( XXXX ), report confirmation number as, XXXX ( see exhibit C ), dated on XX/XX/XXXX, are proofs for which, Equifax had prior acknowledgments of my Former Status section address ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois, XXXX ) existence onto my Equifax credit file account from those prior XXXX confirmation reports, see exhibit B and C for evidences. Well, my call with the Equifax XXXX telephone representative with a XXXX accent had been unlawfully disconnected in which, he had intentionally redirected my telephone call to a prompt instruction ; in order for me to answers XXXX ( XXXX ) Equifaxs questions about the Equifax XXXX telephone representative with a XXXX accent customer service performances without him completing our call in my dispute requests and, without the Equifax XXXX telephone representative with a XXXX accent adding my new dispute ; in regards to my Former Status section address ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois, XXXX XXXX intentionally dropped/deleted without my legal authority.
So, I had decided to call Equifax telephone representative again, on a XXXX ( XXXX ) call from their Equifax customer services telephone number, XXXX automation voice prompts system. Now, I am extremely upset. I had answered, my XXXX ( XXXX ) personal information correctly then I was prompt to answers my XXXX ( XXXX ) verification questions for which, the XXXX ( XXXX ) Equifax telephone representative had claimed, I did not answer, my XXXX ( XXXX ) verification questions correctly in order for me to proceed with my new Equifax dispute requests. And, I do believe that the XXXX ( XXXX ) Equifax XXXX XXXX representative with a XXXX accent had unlawfully changed my XXXX ( XXXX ) verification questions without a lawful authority with his intent to block, hinder or impede me from filing a new dispute requests because he had intentionally disconnected our call and, the Equifax XXXX telephone representative with a XXXX accent did not want to completed, my Equifax XXXX dispute requests to add back my Former Status section address ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois, XXXX ) complaint. Even though, I have evidence, my XXXX XXXX section address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois, XXXX XXXX had been acknowledged by Equifax onto my Equifax credit file reports dated on XX/XX/XXXX and XX/XX/XXXX. And, my call with the XXXX ( XXXX ) Equifax telephone representative was automatically disrupted or disconnected for no apparent reasons. So, I had decided to write a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) in conjunction with the CFPB acting, as a XXXX on the behalf of Equifax ; in order to add back my Former Status section address ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois, XXXX XXXX to my Equifax credit file account.
In addition, I had noticed onto my Equifax credit file report dated on XX/XX/XXXX in the Consumer Statements section has sentence structures with written grammatical errors as stated : I have sent Equifax by certified mail ( # IS XXXX XXXX XXXX XXXX XXXX ) a copy of my social security card and utility bill for the change of address my Equifax credit file. The confirmation # XXXX still displays the incorrect address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in preference to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Illinois XXXX, I have already sent you, confirm copy of my change of address. XXXX XXXX Exhibit D ).
And, If Equifax review, my exhibit XXXX documentations than Equifax will discover, my official letter written on XX/XX/XXXX in conjunction with my United States Postal Service XXXX XXXX XXXX receipt number, XXXX dated on XX/XX/XXXX along with my XXXX certified mail letter receipt number, XXXX XXXX XXXX XXXX XXXX and XXXX my USPSs Equifax return green card receipt number, XXXX XXXX XXXX XXXX XXXX XXXX signed by an Equifaxs employee name, XXXX XXXX XXXX XXXX dated on XX/XX/XXXX, was evidence which Equifax had acknowledged, my XXXX certified mail letter, I had officially sent them. And, I would not have constructed, my Equifax credit file account XXXX XXXX section notes dated on XX/XX/XXXX, with so much misleading information including sentence structures with written grammatical errors for a change of address notification.
In addition, a plausible or reasonable explanation for which, the [ XXXX ] assailant [ s ] with a [ n ] fictitious, similar, or exact name [ s ] who had unlawfully traffic in false or authenticate features or used in false identification document had legally changed his/her name. In order to matched, linked, mapped, or connected to my [ full ] legal name ( XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ) with the [ XXXX ] XXXX [ XXXX ] who has a XXXX aforethought in a XXXX XXXX XXXX [ XXXX ] to XXXX, changed, XXXX XXXX, managed or XXXX, my Equifax credit file account without any legitimate proof or evidence is highly probable those unlawful changes were XXXX onto my Equifax credit file account by means of the [ XXXX ] XXXX [ XXXX ] with a [ XXXX ] fictitious, similar, or exact name [ XXXX XXXX, as mine. In which, I am forced/compelled to write a new disputes complaint because of the [ XXXX ] XXXX [ XXXX ] with a [ XXXX ] XXXX, similar, or exact name [ XXXX XXXX, as mine for which, the [ XXXX ] XXXX [ XXXX ] had XXXX XXXX XXXX XXXX XXXX from my Equifax credit file account, my Former Status section address ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois, XXXX ) and, the [ XXXX ] XXXX XXXX XXXX ] had XXXX XXXX XXXX XXXX XXXX, my Equifax credit file account XXXX XXXX section notes with his/her intent to displays written misinformation in conjunction with displaying my sentence structures with written grammatical errors for which, I did not write on XX/XX/XXXX. Now, I am experiencing indirect XXXX onto my Equifax credit file account from the [ XXXX ] XXXX XXXX XXXX ] with a [ XXXX ] fictitious, similar, or exact name XXXX XXXX ] identification trafficking problems. And, my XXXX XXXX section notes would have been written on or about XX/XX/XXXX not dated on XX/XX/XXXX. Therefore, my Consumer Statements notes section would have been written after, I had sent, Equifax my certified letter in conjunction with my other documentations by way of the XXXX jurisdiction.
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02/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I have had an ongoing problem and now will resort to a lawsuit against them for the nightmare I have had with them and the charges of legal representation which contacted them on my behalf about a year ago and showed them what proof I have as it was fraud and I had a journal of payments with showing there had never been a charge off to be made in my name. Upon first contacting them I was ignorant of the power and abuse and the total and complete inaccurate this powerful organization holds on millions. Due to my financial resources I have never had to worry about a credit score or anything as I pay cash for the 28 homes I have owned in 30 years and I don't know how many vehicles. I am fortunate to be a former successful XXXX XXXX who sold my business for XXXX XXXX 15 years ago. So as you can see I had little need on ever borrowing any money as I have plenty of money even after dispersing out the XXXX XXXX to my XXXX brothers also in the business. It was by sheer accident that my insurance agent told me that I had two negative things on my credit check and two charge offs. I said what is a charge off. We both laughed because it was ludicrous that I had never paid a bill or would have not have. After much investigations we find the two negative were medical charges that so bogus as absurd. The medical clinic was in another state and the name was not mine and I had never even been in this state. Yet it was for two medical treatments or something. They had nothing and had no choice to drop it. They sent copy of letter where they said it was fraud. I saw the letter. Obviously the Big 3 did nothing. The charge offs were more complicated but my attorneys handled them and they showed they were removed. I have copies from all three agencies that they were removed. Now I do a check 8 or so months later and find this junk on my credit and I am furious. I have complained to the government for what it is worth but initially the credit bureaus had my name 11 ways, 6 of them were totally bogus. On my birthdate I had 4 dates for my birthdate. None were correct. Even worse was I had three social security numbers and guess what none of them were mine. While pulling up this report there still was an incorrect social security number. Now this Big 3 is literally the King of all transactions. They have never kept me from buying a car or home but I bet they have millions. Then my attorney told me I needed to take out more credit cards since I never had any loans of any kind. Look at my report You will not see but one that is for my son with XXXX 10 or more years ago. I pay cash for everything and my attorneys said I should start using charge card mores. I would receive notices from the Big 3 and tell me how good my credit was and tell me to apply to for this card. XXXX XXXX and two others. All three denied me credit. That is with giving them the annual income of XXXX per year plus all the cash I want or need. This is beyond belief. The thing with XXXX XXXX has said it was because I closed the account. Which I did at the time of my divorce 7 years ago and it is an action most divorced people do. The report was so wrong it made me so mad. It said they closed account and then the joke of having a XXXX credit limit. I didn't even have a credit limit with them but the account showed past payments of 50 plus thousand a month. It showed no late payments. But a history of these kind of payments for 15 years and then outright lies. I have complained and complained to get these charge offs off my account and the two stupid medical charges that are about less than XXXX for both in other names and state I have never even been too. I have taken all the procedures to handle this correctly and tried not to get furious at having all these social security numbers and incorrect information. I have worked patiently to give them all the correct information. Also they say on all this free annual score yet I had to pay a monitoring service once again for I dont know how much which I dont want. This is a rip off. It is illegal to advertise free and then to charger. They are holding consumers hostages to their lies and the fact that they are too lazy and inept to change the information when they have had it proved to them it is dead wrong. When my attorney told me tonight after I found out they had not been removed from my credit report in this case but had been removed on the one that is shown to me they said a large monetary amount that can be donated to charity must be filed against these three corrupt organizations. I was shown how much money they made off consumers. It is beyond anything I could imagine by selling info to card companies. They are suppose to be a clearing house and most important the keeper of accurate records. I could understand mistakes and such but for 40 years to not have my social security correct nor my name and birthdate. I went on line to find out other people have had worse nightmares than I have. You see I am very wealthy and there is never a need for them in my life thank goodness. Except when my insurances was calculated and my agent said how could she not have perfect credit. She has two assistants who have worked with me for 17 years who document in journals my checks written or drafts. That was how I was able to prove I had never had a charge off. I have issued a complaint to you before. You determined fraud though it happened ten years ago and put a fraud alert on my cards. That was a joke over an issue that long ago. I have fooled with these contact us and sipute this for so long and nothing has been done. Well when the big three are charged with corruption and incorrect info in every aspect of a person life and they are sued for a nice settlement that will benefit charity I would hope that they take care of this in the next seven days. As I said they removed the info less than a year ago and how it appeared again is unknown to me. But I am so mad that I am going to let my legal team go after them and bring in the over 15,000 other people who have been cheated by them. I was very nice and hoped my problems would be taken care of since I had total proof and a team of attorneys. To know it is back is insane. I don't have any idea what organization you are or what power you hold. Tonight I called both my senators to let them know I would need them to present this to Congress. I want my record clean and perfect. If the Big 3 wont to play games I will allow my attorneys to keep them tied up for years and Congress investigate all the errors of just my account and how an organization that has to be meticulous with info could have 4 social security numbers and all the wrong birthdates and all the 6 wrong names. You have 7 days to clear this up and get this off my account or your name will also be included in the suit against the protection of american consumers and the fact that you are all paid very well to protect consumers and it is your job and yet instead you are criminally neglected them. I will never have a company tell me I can not have a credit card because of their bogus lies they acknowledged and cleared. For a woman to have assets that are huge and my debt ratio I check on the site was less than 1 % as I owe no house loans or mortgages or car or loans or anythings, just these credit cards they advised me to start using. I hope you will work to take care of this and it will not become a big public scandal at the ineffectiveness and especially the huge amount of money the Big 3 make of consumers. My Senators will clean house with top attorneys to advise and the media will be brought in to this whole section or group that has so many disgruntled people who hate credit bureaus and I don't blame them and the public will hear about the travesty that is going on. For your organization hope I would do all I could to make this problem fixed as it was less than a year ago to only turn back up. I am sending no dates, papers or any information. I have already done all that with your organization previously and will frankly not take up my time to do one more thing about it except to give my attorneys and my senators the go ahead to make statements to the media to let them know every right we have as an American has been ground in the dirt. And all of you who collect a salary for protecting us the consumers can justify it to congress. I expect communication within 7 days. XXXX XXXX XXXX XXXX or XXXX XXXX
|
02/26/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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XXXX XXXX is a subsidiary of XXXX XXXX.I sent XXXX a copy of the findings of The CFPB but its still on my credit report.Th account is fraudulent.
Direct Dispute In partnership with Past Disputes XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report.
Dispute Reason Ownership : I have no knowledge of this account.
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
You may have been a victim of business identity fraud.
XXXX To XXXX XX/XX/XXXX at XXXX PM XXXX XXXX You may have been a victim of fraud.
XX/XX/XXXX Hello, Thank you for your complaint XXXX about XXXX XXXX, XXXX XXXX XXXX, XXXX
We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud by a person or company pretending to be the company in your complaint.
What do I do?
If you have been the victim of a scam, you are not alone. There are resources available to help you.
The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit XXXX If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX.
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Payday loan, title loan, or personal loan Issue : Struggling to pay your loan What else can I do?
You can also use the following government agency websites to get information on fraud, safety, and identify theft : usa.gov/topics/consumer/scams-fraud.shtml fbi.gov/scams-safety consumer.ftc.gov Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ImportantIf you submitted this complaint on behalf of someone else or you are the co-owner or authorized user on the account and you did not submit the complaint yourself you will need to contact us by calling ( XXXX ) XXXX for questions and status updates. Only the primary owner of the account will receive acc On Thu, XX/XX/XXXX, XXXX wrote : Subject : Final Legal Notice Before Legal Proceedings To : XXXX Date : XXXX, XX/XX/XXXX, XXXX AM Hello, Find Your Warrant Copy : XXXX - XXXX - XXXX will be going to release on XXXX. This is last chance for you This Legal Proceeding will be issued on your Docket Number XXXX - XXXX - XXXX with one of XXXX XXXX XXXX Company to let you know that after making calls to you on your phone number we were not able to get hold of you. So the account 's department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXX - XXXX - XXXX Amount Outstanding : {$980.00} We have sent you this warning notification about legal proceedings of XX/XX/XXXX, but you failed to respond on time its high time if you were unable to meet in next 24 HOURS we would register this case in court. Consider this as a final warning. And we will be Email/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will we garnished. Do revert if you want to get rid of these legal consequences and make payment arrangement today or else we would be proceeding legally against you, and this notification will also send to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so, you must take immediate action. You can email us back to get the payment mode.XXXX XXXX XXXX XXXX We will be forced to go ahead legally against you and once it proceeds in the Court House , the creditor has entire rights to tell your employer and your references about this issue and the lawsuit will be the next step which will be amounting to {$8400.00} and will be levied entirely upon you and that would be excluding your attorney charges. If you take care of this out of court, then we will release the clearance certificate from them, and we will make sure that no one will contact you in the future. Please let us know your intention by today itself so we can hold the case or else we will send the paperwork to your local county sheriff department and you will we served by court summons at your doorstep. We informed you, and we have more than 17 kinds of scientific proof against you to prove that you are guilty and committed the following frauds. 1. Violation of Federal Banking Regulation. 2. Collateral Check Fraud 3. Theft by Deception 4. Electronic Fund Transfer Fraud. Note : This notice provided to you for XXXX XXXX XXXX and its parent company, and their respective family of businesses including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all their respective subsidiaries and affiliates, ( after this ...
takes effect collectively called the XXXX XXXX Related Companies, we, our, or us ). The XXXX XXXX Related Companies include, but are not limited to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, including those that work under the trade names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or any company-owned XXXX XXXX XXXX locations. You or You're means you as a participant in or as a user of the products and services offered by a XXXX XXXX Related Company. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY REFLECT ON YOUR CREDIT REPORT. TERMS AND CONDITIONS, YOU AGREED. By electronically signing this Loan Agreement by clicking the I AGREE button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. Note : To make the payment you need to contact our email addressXXXX XXXX XXXX XXXX We are informing you that if we do not receive your payment then, unfortunately, we must go ahead further with the legal action against your name Note : - If you ignored this email and failed to take care of this debt than all your bank accounts will we seized through Major Credited Bureau within Seven Business Days that's why your co-operation will we appreciated. XXXX XXXX ( Accounts Dept. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX powered by XXXX. Free mail merge and email marketing s 2.XXXX reporting fraudulent XXXX XXXX account.Derogatory marks View all accounts COLLECTIONS XXXX XXXX Opened XX/XX/XXXX - {$1100.00} Original creditor : XXXX XXXX XXXXXXXX Overview You've paid off 0 % of your collection amount.
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/XXXX ( 6 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX see an error?
CFPB To XXXX XX/XX/XXXX at XXXX XXXX CFPB Header You may have been a victim of fraud.
XX/XX/XXXX Hello, Thank you for your complaint XXXX about XXXX XXXX..
We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.
What do I do?
You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you.
The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXXXXXX XXXX XXXX XXXX.
Summary of your complaint
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12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
This complaint is against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al and the Presidents/CEO/Acting CEO/Presidents and or Successors, Assigns, Agents, and Representatives. We are FEDERALLY PROTECTED CONSULMERS. Our credits report ( XXXX ) AND file ( XXXX ) have erroneous reporting from XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al. We have been advised that CREDIT REPORTING is a form of collection strategy and we DEMAND that ALL credit reporting CEASE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al and acting CEO/Presidents, et al are in direct violation of 15 USC 1692 e ( 8 ). We never received an initial communication from XXXX, XXXX XXXX XXXX XXXX, et al, which means they are in direct violation of 15 USC 1692 G ( a ) ( b ). We have NO CONTRACTS, AGREEMENTS, NO ACCOUNTS, NOR BUSINESS RELATIONSHIP and or AFFILIATIONS or PARTNERSHIPS, etc. with XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al ; NOR DO WE WANT ( DO NOT WANT ) TO CONTRACT AND OR CONSENT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al, or their BUSINESS RELATIONSHIPS and or AFFILIATIONS or PARTNERSHIPS ; nor any of the corporate names they hide behind, nor do i want to contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al. We are not a consumer of XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al and never was. We are not a customer nor patron XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al and never was, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX al nor have we ever been. We do not want to enter in to any binding contracts, agreements, or consents with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al. We never consented nor gave express permission in any form to XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al to use or be in possession of any of our NON-PUBLIC PRIVATE/PERSONAL INDENTIFYING SOURCE DATA AND INFORMATION. This is a clear VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. To be very clear, we DO NOT accept XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al offers to contract. We DO NOT consent to ANY non-affiliated third-party ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al ) to be in possession of of our NON-PUBLIC PERSONAL AND PRIVATE INFORMATION. XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al has violated and is violating the laws and regulations pursuant to 15 USC 1692 and violating our rights since the very first time they received and came into possession of my non-public private and personal information, since the year XXXX - XXXX and XXXX to present day.
Due to the nature of these multiple illegal and unlawful violations against XXXX, XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al, we are DEMANDING {$11000.00} PER VIOLATION FOR EVERY MONTH AND YEAR IN VIOLATION.
XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al has/is caused/causing financial hardships, health ailments, financial losses, emotional stress, mental distress, many missed nights of sleep, loss of credit opportunities to purchase consumer goods and services, etc. By us BEING DENIED CREDIT due to derogatory INTENTIONALLY FALSE INFORMATION with the consumer reporting agencies/Credit Reporting Agencies or other consumer reporting companies/agencies. I HAVE NO CONTRACT CONTRACT WITH XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al and I HAVE NO LAWFUL NOR LEGAL OBLIGATIONS to even communicate with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al.
BE IT KNOWN NOW AND FOREVER, this is NOTICE TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al ; CEASE AND DECIST ALL UNLAWFUL AND ILLEGAL ACTIVITIES IMMEDIATELY. THIS IS NOT A REQUEST. THIS IS A LAWFUL DEMAND. THIS IS ALSO NOT A REQUEST FOR VERIFICATION, VALIDATION or ANY OTHER FORM OF REQUEST. THIS IS A NOTICE OF BOGUST DEBT. The matter has NOW BECOME VERY CLEAR that XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al obtained/PAID FOR our NON-PUBLIC PRIVATE PERSONAL INFORMATION WITHOUT OUR LEGAL AND LAWFUL EXPRESS P RIOR WRITTEN AUTHORIZATION and this constitutes AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028 A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al XXXX also know that in the XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR THE DISTRICT OF XXXX XXXX, the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY.
This complaint also applies and includes all other consumer credit reporting/consumer reporting, public reporting, and data mining companies. The following companies but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | DataX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX - G Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXXXXXX - XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX, XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX - G Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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10/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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This complaint is regarding my experience using the solutions that have been provided by Equifax post breach to secure my credit file. It has been excruciating at best to get myself set up with them, taking the last 3 weeks of diligent effort to put their solutions in place. I have been a victim of identity theft in the past due to XXXX XXXX XXXX so I am on high alert since my personal info is being exposed on the dark web according to XXXX.
I decided to freeze my credit file with each of the 3 credit bureaus; I'm also monitoring for a year at Equifax / XXXX XXXX, which they said will monitor each of the 3 bureaus; and I'm monitoring for free at XXXX XXXX for both Equifax and XXXX. For the two bureaus other than Equifax, I paid a fee to freeze my file.
On XXXX XXXX XXXX, since I never received any information regarding a password to the monitoring of XXXX XXXX, which was set up on XX/XX/XXXX, I asked Equifax to reset my password. They sent me a reset by email and then I logged into their monitoring portal at XXXX XXXX for the first time, I was disturbed by my experience at their online portal because it seemed like they may still be hacked because parts of it worked very strangely, and other parts did not work at all.
I proceeded to view my online credit report and when I tried to print it using their "Print Report" button it did not work. With each failure at printing it opened up additional windows of the credit file. And for some reason it gave me a small window that wanted me to click ok to share my report and printer with the network. What was that about? This was the first time I had witnessed that. I tried 3 times to print the report all to no avail and now there were a couple new windows opened into the account screen. In order to try to retain the record of my report I had to manually copy and paste sections of the report onto a word document. That too was so difficult because you could only select small sections of text because the report was framed as a page inside another page. You could only capture a little bit of it, and parts of the report had no formatting at all so it merged all the text together into a mess. It was seriously difficult to work with. In any respect, I could not keep the report for my records at all.
After getting frustrated I decided I had enough and logged out of the account without having been able to print the report for my records. I logged out of the first window of the account while the other two windows were still open. Then I went to the other 2 open windows and to my surprise, even after logging out of my account, I was still able to access and navigate through my credit report account. There was also no way to sign out of those open windows which directly accessed the data in my account. This is a security nightmare and makes us more vulnerable to the data being leaked from our account files after logging out. All websites and browsers that I ever used to log into a password account, would automatically boot you out of any open windows of their website, upon logging out. But not Equifax. I was able to work with my account and navigate to different parts of the credit file in their portal even after logging out. The way the website worked appears to be still breached, where hackers may be using the defects in their print report function to get users to click so they end up being lured into sharing the data on the network. And allowing any navigation thru an account after logging out is reckless and very concerning.
Each time you call Equifax you get a department that seems to be incapable of handling but one narrow question or task. Then they tell you to call a different number for the next question. They can't even transfer you to the other dept so this is a worthless solution that causes nothing short of a run around. You have to keep calling back for each different question since they have it set up so each department can only do one narrow task. It is ridiculous at best and causes so much stress and wasted time that it can't possibly work to protect us. .
When the mortgage industry was giving borrowers a run around sending them on a wild goose chase, the CFPB changed the law to require one point of contact. This is so much worse because with the mortgage industry at least we had a product we purchased from the industry. But with Equifax we had no relationship that we initiated and therefore, they took our information without our input and were careless with it, breached us royally, and then they send us thru a wild goose chase in trying to resolve the mess they created. Every time you talk to a live person the answers conflict with what you were told previously and it is a pathetic resolution process. How is this supposed to give us peace of mind that we are protected going forward? The right hand does not know what the left hand is doing, even with their supervisors. And I just learned that Trusted Id is a wholly owned company of Equifax. That's not reassuring at all.
This is a process from hell which will affect our lives for years to come and after finally finishing the process of putting the credit freeze in place, I then was shown a Disclaimer at Trusted Id which I am sharing with you here because I need help to know if this is true. This shows me that the security freeze is DEFECTIVE if it exempts all these entities in different scenarios, which are exactly the scenarios I intended to secure in the first place. This is the Disclaimer that was shown to me in its exact format after viewing my credit report in their platform. The source code was exposed at their web site so I am putting it here as I saw it that night.
Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax XXXX XXXX XXXX which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit XXXX.
If this Disclaimer is true, then their resolution to this breach is nothing but a waste of our time. Their Disclaimer exempts collection agencies and past relationships? How is this possible? If I lock my file I want to know it is locked from all parties unless I choose to allow it. This Disclaimer says opposite of what I understood. This is UNACCEPTABLE because a lock should mean what it says, it is locked. Selective locking is not what we signed up for. If I had to pay a fee for two out of three credit bureaus to freeze my file, and the other bureau is required to freeze it if I choose that option, then nobody should be entitled to access my report unless I say so. My credit file has been breached and I want it frozen from ALL parties. All those entries on my credit file are history and none of the accounts are open any longer. However, Equifax doesn't show that they are closed on my online report. It just shows the credit lines of the past. If any of those entities want to access my file my answer is NO WAY. However, the Disclaimer says it is fine and they can access because they had a prior relationship. I refuse to give any of those entities access in the future. All a collection agent needs to say is they are acting on behalf of one of the relationships and the file will be accessible. This is DEFECTIVE. My efforts to reach someone at Equifax to verify this all failed. I was hung up on by at least two people in the process and therefore, it is now a complaint with the CFPB.
The disclaimer makes me know that even freezing the file is not going to provide us any security for the future. This is very important and I believe it warrants prompt review from our Consumer Protection Agency to get to the bottom of this defective process for the benefit of all consumers.
Thank you.
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10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I sent this detailed letter to XXXX XXXX XXXX On XX/XX/2023 - NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT YOU ARE HEREBY PUT ON NOTICE Dear President and General Manager, XXXX XXXX, I hope this letter finds you well. I am writing to address a matter of grave concern regarding the accuracy of the information that XXXX XXXX XXXX has been reporting to consumer reporting agencies. I am compelled to bring to your attention the relevant provisions within consumer protection laws, specifically 15 U.S. Code 1681a, 1681, and 1681s2, which emphasize the paramount importance of accuracy, fairness, and the safeguarding of consumer rights in credit reporting.
The findings of Congress, as enshrined in 15 U.S. Code 1681, underscore the vital role that accurate credit reporting plays in the efficiency of the banking system and in maintaining public confidence. It is unequivocally clear that a comprehensive mechanism exists for assessing the creditworthiness of consumers, and it is incumbent upon consumer reporting agencies to discharge their responsibilities with scrupulous fairness, impartiality, and the utmost regard for consumer privacy.
In particular, 15 U.S. Code 1681a defines crucial terms relevant to my case. It introduces the term " exclusions, '' which signifies that certain categories of information are not to be included in a consumer report. Notably, exclusions refer to information excluded from the definition of a " consumer report, '' and this definition is essential in understanding the limits and scope of information that may be reported to consumer reporting agencies.
It is essential to emphasize that consumer reporting agencies are private companies, and there is no contractual agreement between myself and XXXX XXXX XXXX, especially considering the account is closed and has been legally written off. This fact raises pertinent questions about the disclosure of my private information to a private company without an ongoing contractual relationship. The legality of such disclosures merits scrutiny.
Furthermore, the practice of reporting utilizations when there is no utilization, except as provided in paragraph 3 of 15 U.S. Code 1681a, is perplexing. Paragraph 3 of this statute states that the term " consumer report '' does not include a " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Therefore, reporting transactions or experiences to consumer reporting agencies when no ongoing transactions or experiences exist requires justification under the law.
In addition to the above legal arguments, it is crucial to consider that payment history is integral to the transactions or experiences between the consumer and the person. Reporting payment history after an account is closed and written off may raise questions regarding compliance with federal laws governing consumer credit reporting.
Based on these legal arguments and in light of the aforementioned legal framework, I have become aware of a troubling disparity in my consumer report. While my consumer report indicates that a past due amount of " {$6300.00} '' exists, it is crucial to clarify that I am only legally obligated to pay " {$190.00}, '' in strict compliance with IRS regulations. Moreover, I am fully cognizant that " {$6200.00} '' has been rightfully written off.
This egregious misreporting has inflicted severe and far-reaching harm upon my character, reputation, credit prospects, overall quality of life, and quest for financial security and happiness.
In light of these circumstances, I urgently implore XXXX XXXX XXXX to take the following immediate actions : Rectify the inaccuracies within my consumer report without delay, ensuring that it accurately reflects the legally obligated amount of " {$190.00} ''.
Cease reporting any private, personal information or any utilization of the card since the contractual agreement no longer exists, and the debt has been legally written off.
Initiate discussions to establish a suitable payment arrangement for the legally owed amount of " {$190.00}. '' Under 15 U.S. Code 6802 ( b ) related to the opt-out provision, it is important to note that a financial institution like XXXX XXXX XXXX may not disclose non-public personal information to a non-affiliated third party, such as credit reporting agencies like XXXX, XXXX, and Equifax, unless they clearly and conspicuously disclose to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party. Additionally, the consumer is given the opportunity before the time that such information is not disclosed to such third party and the consumer is given an explanation of how to exercise that non-disclosure option. I want to emphasize that under 15 U.S. Code 6802, I was never given the explanation of how the consumer can exercise that non-disclosure option.
In closing, I wish to reiterate the fundamental issues at the heart of this dispute. Credit utilization should not have been reported in the first place, as closed accounts can not report due to their closed status. Additionally, written-off debts fall under the category of canceled debt within IRS regulations and provisions, further emphasizing the inaccuracies in the reporting.
Experiences or transactions between the consumer and entities like XXXX XXXX XXXX should not have been reported in the first place, and the failure to provide a disclosure on how to exercise the " opt-out '' option represents a violation of the law. This situation is particularly concerning as it appears to take advantage of consumers who may not be fully literate in interpreting legal intricaciesa practice that should be condemned.
I earnestly recommend that these measures be executed within a reasonable timeframe of [ 30 days ] to avert any potential legal consequences. I firmly believe that XXXX XXXX XXXX will uphold the principles enshrined in consumer protection laws, ensuring the utmost accuracy, fairness, and safeguarding of consumer rights.
Kindly provide written confirmation detailing the steps taken to rectify the inaccuracies present in my consumer report.
I must stress that my rights under the FCRA, 15 U.S. Code 6802, and other relevant laws are not to be taken lightly. Failure to heed this formal dispute and cease-and-desist request may result in grave legal repercussions, including potential legal action on my part to safeguard my rights under the FCRA, 15 U.S. Code 6802, and other pertinent consumer protection statutes. I am fully prepared to explore all available legal avenues to protect my interests.
This letter stands as a formal notice to your organization of my dispute and demands, and it serves as unequivocal notice of my intent to assert my rights under the FCRA, 15 U.S. Code 6802, and other applicable laws, including 15 U.S. Code 1681a, 1681, and 1681s2. Your immediate attention to this matter is not only anticipated but imperative. The inaccuracies under scrutiny have already caused substantial damage to my credit profile, and their swift correction is paramount.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Sent Back this letter on XXXX ( a photocopy will be in the attachments ) - We received your recent dispute regarding certain information contained in your consumer report for the above referenced account. Cardmember Service takes your concerns about accurate consumer reporting seriously.
The Fair Credit Reporting Act is a consumer protection law that governs information collected by consumer reporting agencies such as credit bureaus. The law requires that any information that creditors report to consumer reporting agencies must be accurate. It is our policy to report accurately to the consumer reporting agencies.
We have conducted an investigation of the dispute and reviewed all of the relevant information your provided. Based on our investigation we have determined the account information submitted by cardmember service to the consumer reporting agencies is accurate.
If your have any further questions about your credit score or your consumer report you may contact the consumer reporting agencies directly. -- Then they list the 3 agencies.
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12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have Disputed these Accounts on my Consumer Credit Profile.
the investigation took longer than 30 days to receive a response from them.
i have pointed on several inaccuracies on my credit profile that where incorrect in complete and inaccurate.
this agency has improperly conducted a investigation. they failed to disclose to me the full scope of their investigation. in how they found these accounts verified and accurate when in fact they are not. i have made this agency aware that the creditors furnishing this data. have failed to provide proof of good complaint furnishing and collection practices. according to Title 15 Chapter 41.
there are several billing errors being reported.
and accounts i do not recognize. as well as Violations to my consumer rights.
these accounts violated the United States Code Law ( TILA 15 U.S Code 1666 ( b ) billing error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S Code 1666 ( b ) billing error -- - ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.
the accounts didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
SEC. 4021. CREDIT PROTECTION DURING XXXX.
Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING XXXX PAN- DEMIC XXXX ( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommodate- tion includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a con- summer who is affected by the XXXX XXXXXXXX XXXX ( XXXX ) pandemic during the covered period.
( II ) COVERED PERIOD.The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments purse- ant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obliga- tion or account as current.
( iii ) EXCEPTION.Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off..
these accounts are furnishing data, failed to provide the following documentation and supporting facts of alleged debt they say I owe.
1 original indebtedness contract with my wet ink signature.
2 original creditor information ( name, address, phone number ) 3 payment history and the itemized billing associated with the account.
4 proof of ownership documentation that legally authorized you to collect debt for the original creditor.
5 proof that their company is not attempting to collect a debt out of my states statute of limitations, 6. the name and address of all persons, corporations, associations, legal firms or any other parties and entities having an interest in the collection or legal proceedings regarding the alleged debt.
7 An authentic invoice for goods and/or services Accounts Above provided- Statement, under penalty of perjury that a Accounts Above are the bona fide party in interest of the contract and will produce said authentic signed contract ( # 1above ) for my own and a judges inspection should there be a trial to contest these matters.
. I have not given these written permission to put anything on my credit profile. they have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
15 U.S. Code 1681d - Disclosure of investigative consumer reports- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).
( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ).
15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S. Code 1681o - Civil liability for negligent noncompliance-Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Attorneys fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
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03/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/XXXX I submitted a complaint through XXXX in an attempt to procure their assistance resolving a matter with XXXX XXXX/Equifax that I have tried many times unsuccessfully to resolve on my own. The case number was XXXX.
On XX/XX/XXXX I received this update from Equifax.
" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' However, this is what concerned me, " Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. '' There has been ZERO response from XXXX this whole time. Hence my inability to resolve this on my own. Additionally, I never received any information form Equifax to show what information the " furnishing company '' provided to Equifax to prove how this account was established to begin with.
The complaint was closed on XX/XX/XXXX with no resolution to this matter. The fraudulent information remains on my credit report and to date, I still have not received a response from XXXX regarding how the intent to resolve this matter so this information can be removed from my credit report.
Below is the information provided in the first complaint : On XX/XX/XXXX my wife and I contacted our mortgage lender regarding initiating a home refinance. At that time he notified us that there was an account with a company called XXXX XXXX XXXX that was reporting a past due payment of {$2.00}. As a result, my credit score has been greatly negatively effected. Prior to the information from our lender, we had absolutely no knowledge of this account. I, nor anyone in my household ever applied for credit from, or had ever even heard of XXXX XXXX for that matter. We have never received and correspondence from this company in the form of account information, notice of an application, a bill, a late payment notification, nothing. This is because I, nor anyone in my home, ever applied for this line of credit. Immediately contacted XXXX via email on XX/XX/XXXX to alert them of the fraudulent account, request an investigation and have this removed from my credit report immediately.
" Hello, We are in the midst of applying to refinance our home. Our lender just alerted us to a credit line that was taken out in my husband 's name in XX/XX/XXXX. We have never applied for credit through your company. This was done fraudulently on our behalf. Additionally, your company recently reported a late payment of {$2.00} on this account to the credit bureau last month. This late payment report has dropped my husband 's credit score from high 700 's to XXXX. We are now unable to refinance the house as a result.
2 things we need assistance with, closing this account immediately, as it was opened under his name fraudulently.
Secondly, we need the " late payment '' report to be reversed and reported to the credit bureaus so we can raise his credit score back to where it was previously. We will also be reporting this fraud to all three credit bureaus.
Please reply at your earliest convenience with next steps to resolve this issue. Please also feel free to call me at XXXX.
Thank you.
XXXX XXXX '' I received this response on XX/XX/XXXX.
On Tuesday, XX/XX/XXXX, XXXX XXXX CST, XXXX XXXX wrote : Hi XXXX XXXX, We understand how disconcerting this can be and will do our best to help resolve this. To locate an account under your husband 's personal information, we will need to confirm his information. If you could please provide us with his full name, last 4 of his SSN and your current address, we will investigate our system and get back to you on what we find to resolve this issue.
Best, XXXX XXXX replied with the information they requested and received this response on XX/XX/XXXX.
" XXXX XXXX XXXX, Thank you for providing that information. I was able to locate the account in question and have closed and deactivated it at this time. In your prior email you stated you are wishing to have this account removed. I would advise that if you are still wishing to have this removed, please file an official dispute with the bureaus so they can forward over the information to our investigation team for them to review. Please know investigations and resolution of the dispute can take up to 25 business days from the date we receive it from the bureaus.
Best regards, XXXX '' So I immediately contacted XXXX and Equifax and began a dispute with them, as they are the only 2 credit bureaus that XXXX reports to. I just received the results of the dispute and was incredibly disappointed to find that their investigation did not resolve this matter. I am now taking steps to do everything I can to have this removed from my credit report and have this resolved. This has effected my credit score so negatively that it has limited our families ability to refinance our home.
I have contacted XXXX again today, XX/XX/XXXX and copied XXXX and Equifax on the email. This is the email I sent.
" Good morning, We have received the results of the fraud investigation completed by XXXX and Equifax. Both of the investigations found there to be no reason to change or remove the XXXX credit account from my credit report. This is reference to XXXX dispute # XXXX and Equifax dispute # XXXXXX. I can only surmise this is a result of information provided to the investigator by XXXX. This result is absolutely inaccurate and incorrect.
The account in question was opened fraudulently in my name and without my knowledge. The account then immediately defaulted on a {$2.00} minimum payment on a {$24.00} balance. I have a long standing, excellent track record of paying my accounts on time and as agreed. There is absolutely no way, if this were an account, I was responsible for and had any knowledge of whatsoever I would allow this account to default and payment to be past due on a {$2.00} payment/ {$24.00} balance. I have received zero correspondence from XXXX in the form of a bill, a late payment notice, a letter informing me of the status of this account, an account number, etc. Nothing. And that is because this is not my account, was not opened by me or any one in my household. I had absolutely no knowledge of this account, until pulling my credit report in preparation for a possible home refinance. I was shocked to find this on my report and reached out to XXXX immediately for resolution. I received a response that XXXX had closed the account, but that I would have to contact the individual credit agencies if I wanted this removed from my report. I did so immediately. And here we are now. With no resolution.
Since then, I have reached out to XXXX multiple times for a status update on this investigation, with no response. I am requesting that XXXX immediately reports to parties at both XXXX and Equifax that this account was allowed by XXXX to be opened fraudulently in my name. And this account and it's " late payments '' be removed from my credit report immediately. This egregious mistake and oversight on the behalf of XXXX has now caused my credit score to be greatly affected. This is wrong and must be corrected immediately. If this is not resolved in the next 15 business days, I plan to pursue action with the Consumer Financial Protection Bureau and our State Attorney General. I expect a response in writing from XXXX by close of business today on how you plan to rectify and resolve this mistake and correct my credit report.
Sincerely, XXXX XXXX I am hoping your agency can help resolve this matter. Without your assistance I am afraid we will not be able to rectify this issue and reverse the damage done to my credit report and our families future.
Thank you for your time and consideration.
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05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized THD/CBNA Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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02/21/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Re : Request to Reinvestigate & Delete Accounts Legal Department, My only complete accurate and full legal name first and last name exactly : XXXX XXXX My only complete accurate and full desired reported address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX My only complete accurate and full date of birth : Date of Birth : XX/XX/XXXX The last XXXX digits of My Social Security number : SS # : XXXX I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete them now or produce proof of your legitimate authority to retain much less report without infringing my consumer rights.
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXXXXXX Account Number : XXXX 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau
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02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
2. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
3. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
4. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
5. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
6. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
7. XXXX XXXX BANK Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX I Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX I Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX, XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized GLOBAL LENDING SERVICE Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
|
11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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In regards to my complaint submitted on XX/XX/XXXX I received a response on how to get the inaccurate information removed from my Equifax credit file. The company XXXX XXXX has received several certified letters from me to stop reporting an account that does not belong to me as closed. Through my original cfpb complaint the company responded requesting an affidavit and Identity Theft Report I have provided them both at least twice with all the proper paper work for my dispute and they continue to report it to Equifax as a closed account. These negative account should be removed immediately I am requesting it to be completely removed from my Equifax credit report and that the company provides my with an actual document with my original handwritten signature showing this belongs to me in 10 days or less. Below I have provided the details from my original complaint.
In XX/XX/XXXX I filed an Identity Theft Report submitted to Equifax, XXXX, and XXXX I sent them certified to all three credit bureaus in regards XXXX XXXX XXXX XXXX Original Debtor Reporting : XXXX XXXX XXXX as closed in the amount of XXXX XXXXThey continue to report the account with a balance to the credit bureaus as closed or open. The item should be completely removed. I have requested on multiple occasions for the creditors to send me a signed document with my signature as proof under the FCRA and they have continued to report the debt as valid with no proof with my signature on any document. They continue to send me letters after the dispute saying the debt is valid with NO documents with my signature on it. The credit bureaus notified me there was one more document I needed to submit with my dispute. I submitted ALL of the necessary documents via certified mail and I have called the credit bureaus who are now denying that they have received my documents, which is false one of their representatives verified on a recorded line that they have received my documents and the items will be removed by XX/XX/XXXX or no later than XXXXI called back the next day to verify that the item would be removed by the dates stated. To my surprise the rep said they never received my documents. I called back and spoke with two supervisors and they said they have not received my documents, which is false because the letter was sent certified with tracking information. XXXX XXXX continues to report these balances on my report. I would like to be done with this process it has been costly to me. Under section 605B of the Fair Credit Reporting Act the item reporting by XXXX XXXX Original Debtor Reporting : XXXX XXXX XXXX as closed in the amount of {$250.00} should be completely blocked and deleted from my credit reports. 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any no judicial action to effect dispossession or disablement of property if -- ( A ) There is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) There is no present intention to take possession of the property ; or ( C ) The property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 USC 1692h Attachments Identity Theft Letter to a Credit Bureau ( Equifax ) .doc ( 33.5 KB ) XXXX IDENTITY DISPUTE LETTER XXXX XXXX ( 29 KB ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX ( 26.5 KB ) XXXX IDENTITY THEFT DISPUTE LETTER XXXX XXXX ( 29.5 KB )
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06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
The information and dates are inaccurate, I have many issues on my XXXX XXXX XXXX and Equifax reports, I have disputes many times, all of them have got no response or just a regular decline decision, I have called and spoke to supervisors of the companies and they have not made any steps to investigation and helping resolving these issues, I need help, for years these inaccuracies have put my livelihood and career in drastic turmoil, I just had a child and I need my credit reflect who I am and what I am working toward, and I have got no help, Ive filed many disputes and made many long waited phone calls and I have received no help and no answers, XXXX : XXXX.consumerfinance.govXXXX
A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.govXXXX or write to : Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your file disclosure ). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : a person has taken adverse action against you because of information in your credit report ; you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistance ; you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/XXXX for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/XXXX for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/XXXX.
You many limit prescreened offers of credit and insurance you get based on information in your credit report. Unsolicited prescreened offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt out with the nationwide credit bureaus at XXXX ( XXXX ).
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and XXXX XXXX military personnel have additional rights. For more information, visit www.consumerfinance.gov/XXXX.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact : TYPE OF BUSINESS : CONTACT : 1.a. Banks, savings associations, and credit unions with total assets of over {$10.00} billion and their affiliates b. Such affiliates that are not banks, savings associations, or credit unions also should list, a. Consumer Financial Protection Bureau 1700 G Street, N.W.
Washington , DC 20552 b. Federal Trade Commission : Consumer Response Center FCRA in addition to the CFPB : Washington, DC 20580 XXXX XXXX XXXX XXXX 2. To the extent not included in item 1 above : a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks b. State member banks, branches and agencies of foreign banks ( other than federal branches, federal agencies, and Insured State Branches of Foreign Banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations d. Federal Credit Unions a. Office of the Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX b. Federal Reserve Consumer Help Center XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX FDIC Consumer Response Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Administration Office of Consumer Protection ( OCP ) Division of Consumer Compliance and Outreach ( DCCO ) XXXX XXXX XXXX XXXX, VA XXXX XXXX. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation XXXXXXXX XXXX XXXX XXXX, XXXX. Washington, DC XXXX XXXX. Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation XXXX XXXX XXXX, XXXX.
Washington, DC XXXX XXXX. Creditors Subject to the Packers and Stockyards Act, 1921 7. Brokers and Dealers Nearest Packers and Stockyards Administration area supervisor Securities and Exchange Commission XXXX XXXX XXXX, XXXX.
6. Small Business Investment Companies Associate Deputy Administrator for Capital Access United States Small Business Administration XXXX XXXX XXXX, XXXX, XXXX XXXX Washington XXXX DC XXXX Washington, DC XXXX 8XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor operates or Federal Trade Commission : Consumer Response Center FCRA Washington, DC XXXX ( XXXX ) XXXX
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10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I reviewed my credit report on XX/XX/XXXX and noticed the following inquires on my credit report. I contacted each credit bureau and informed them these were not authorized by me. The agencies ignored my request for removal. I also called each company and told them I did not authorize these inquiries. They all told me to contact the credit bureaus. I have filed a report with the Federal Trade Commission as well.
XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX These Inquires are from XXXX XXXX.
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES FROM EQUIFAX The XXXX was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX ( AZ ) Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX XXXX XXXX XXXX XXXX, TX XXXX FROM XXXX The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX LA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
THESE are all the companies that pulled my credit report without my authorization.
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06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
Hello CFPB, I am attaching a PDF to this complaint that is formatted to be easier to read than this text only field. Please kindly review that PDF in full.
Im hoping you can help me Remove an Improper Reporting on my credit report.
XXXX XXXX XXXX is falsely reporting the following account number XXXX I have NEVER had a contract with this company for Anything Whatsoever!
Harassment : Employees from XXXX XXXX XXXX repeatedly call my personal cell phone and Harass me with Threatening, Discriminating, Demeaning and Rude language.
I am Scared to hear the phone ring, because Im Fearful, never knowing what Nefarious and Underhanded tactic XXXX XXXX XXXX will be using to harass me another time.
I have blocked countless Virtual Telephone Numbers used by this company to mask their true identity and trick people to answer the phone from a telephone number that appears to be local to their area code. Unfortunately, they just use another virtual telephone number to circumvent being blocked.
This has gotten so bad that I flinch whenever the phone rings and no longer answer my phone from any phone numbers that I dont recognize. Its terrorizing.
( If you need, I will send you screen shots from my phone showing the dates times and phone numbers they use to contact me. ) I want this company to immediately delete everything they have added to my credit report.
Furthermore I want all credit reporting agencies ( Equifax, XXXX, XXXX etc ) to immediately delete, from my credit report, anything related to XXXX XXXX XXXX and/or account number XXXX.
XXXX XXXX XXXX does NOT have permission to contact me ever again in any form whatsoever!
Right to Privacy : XXXX XXXX XXXX Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.
Likewise 15 U.S.C 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
I did not Grant, Approve or Authorized XXXX XXXX XXXX permission to obtain any information or report it onto my credit report. I do NOT approve this reporting!
I want XXXX XXXX XXXX to ; Cease and Desist reporting any and all information to all consumer reporting agencies.
AND Delete all previously reporting to all consumer reporting agencies.
Ignoring this Cease and Desist will be evidence that the violation of the FCRA and infringements were willing, and deceptive.
XXXX XXXX XXXX must Immediately Delete this account, # XXXX, unless they want to be held liable for {$1000.00} per violation as permitted by tha FCRA.
Improper Validation : I disputed this reporting directly with XXXX XXXX XXXX by sending them a letter on XXXX.
On the same date I sent dispute letters to XXXX, XXXX and Equifax requesting they remove this inaccurate reporting.
These letters were sent certified mail. ( I will be happy to send you a copy of the letters and the certified mail tracking numbers if you need them. ) XXXX XXXX XXXX Did NOT provide to me a Full and Complete Verification of this account reporting as REQUIRED by 12 CFR 1006.34 ( c ) Validation information Since they violated this statute, XXXX XXXX XXXX must Immediately Delete this account, # XXXX and all relating information, OFF of my credit report.
Improper Re-Aging of Account : The most infuriating thing this company has done is to repeatedly report a new balance on my credit report, essentially fraudulently re-ageing this account.
One day they report a new balance increased by One ( 1 ) dollar, then days later the new balance will decrease by One ( 1 ) dollar.
This is XXXX insane, I have no interaction with this XXXX company so there is no plausible reason for the balance to fluctuate by ONE ( {$1.00} ) dollar OTHER than for XXXX XXXX XXXX to attempt to continue their fraudulent reporting on my credit report in-perpetuity.
XXXX XXXX XXXX is engaging in this illegal re-ageing practice as detailed in FCRA Section 623 ( 5 ) ( A ).
Below I will include a timeline of events recorded by the credit monitoring service I pay for, XXXX ( I will be happy to send you screen shots of these events if you require. ) Since they violated this re-ageing statute, XXXX XXXX XXXX must Immediately Delete this account, # XXXX off of my credit report.
Likewise Equifax, XXXX, XXXX must immediately delete, anything related to XXXX XXXX XXXX and/or account number XXXX.
Timeline XXXX - I sent a dispute letter to XXXX XXXX XXXX requesting validation of the account.
XXXX - A new comment is made to my credit report ( regarding the account in question ) on XXXX and Equifax Comment : Consumer disputes this account information XXXX - XXXX XXXX XXXX reports a new balance Increased by {$1.00} ( One Dollar ) to XXXX and Equifax.
XXXX - XXXX XXXX XXXX reports a new balance Decreased by {$1.00} ( One Dollar ) to XXXX.
XXXX - XXXX XXXX XXXX reports a new balance Decreased by {$1.00} ( One Dollar ) to Equifax.
XXXX - XXXX XXXX XXXX reports a new balance Increased by {$1.00} ( One Dollar ) to XXXX.
XXXX - XXXX XXXX XXXX reports a new balance Increased by {$1.00} ( One Dollar ) to Equifax.
XXXX - XXXX XXXX XXXX reports a new balance Decreased by {$1.00} ( One Dollar ) to XXXX.
XXXX - XXXX XXXX XXXX Calls my Cell Phone from an New Phone Number ( I block it ) XXXX - XXXX XXXX XXXX reports a new balance Increased by {$1.00} ( One Dollar ) to XXXX.
XXXX - XXXX XXXX XXXX Calls my Cell Phone TWICE from an New Phone Number ( I block it ) XXXX - XXXX XXXX XXXX Calls my Cell Phone from an New Phone Number ( I block it ) ( I can send you screen shots of each of the events in this timeline. ) XXXX XXXX XXXX is Artificially Increasing and Decreasing a new balance to harass me through their fraudulent and illegal activity through my credit report, keeping this account active, Re-Aging it in-perpetuity.
Then they call my cell phone, presumably to further attempt to intimidate me.
I have XXXX HAD ENOUGH!!!!!
XXXX XXXX XXXX must Immediately Delete this account, # XXXX off of my credit report.
Equifax, XXXX and XXXX must immediately delete EVERYTHING related to XXXX XXXX XXXX and/or account number XXXX.
Factual Inaccuracies : Please kindly see 2 screen shots below, taken from my credit report on XXXX. ( Ive added arrows pointing at the line items labeled Balance and High Credit ) The Balance item is listed at {$7600.00} and the High Credit item is listed at {$7600.00} a difference of ONE ( {$1.00} ) dollar.
These two items can NOT be factually accurate in the same universe!
Please also note the Date of last Activity is reported as follows.
XXXX XXXX, XXXX XXXX, Equifax XXXX That is XXXX XXXX! I have NO interaction whatsoever with XXXX XXXX XXXX, so there CANT BE ANY LAST ACTIVITY REPORTED!!!! Furthermore, they are years different!!!!
If XXXX XXXX XXXX does not immediately remove this reporting I will be forced to take further action of seeking damages of up to {$1000.00} per violation.
Likewise, If XXXX XXXX XXXX does not immediately remove this reporting, I will be forced to report them to the California State Attorney General and Better Business Bureau.
Furthermore, If XXXX XXXX XXXX, Equifax, XXXX and XXXX do not immediately remove this reporting, I will retain Legal Counsel to seek the full legal remedy Im entitled to via the courts.
Resolution / Remedy : By now you should realize I am VERY upset and believe the only way I can find relief is to report XXXX XXXX XXXX to the regulating authorities.
I apologize for my tone, MASSIVE frustration and colorful vocabulary.
XXXX XXXX XXXX is perpetrating Fraudulent and Illegal Reporting on my credit report in MANY different ways, and IVE HAD ENOUGH!
In accordance with 15 U.S.C. Sec. 1681i ( a ) I want this account deleted because there is no possible way it is being reported legally, 100 percent right, correct, factual and accurate.
XXXX XXXX XXXX must Immediately Delete this account, # XXXX off of my credit report.
Equifax, XXXX and XXXX must immediately delete EVERYTHING related to XXXX XXXX XXXX and/or account number XXXX.
I look forward to resolving this issue as SOON as Possible.
Thank you for your continued assistance.
XXXX XXXX Please find my identification documents attached below.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last XXXX of XXXX : XXXX
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01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX - G Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX INQ I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX BANK Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX, LL Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to lodge a formal dispute regarding several violations that have severely impacted my financial well-being and personal life. As a concerned consumer, I am seeking your assistance in enforcing the legal rights and protections that are afforded to me under the Fair Credit Reporting Act ( FCRA ).
Unauthorized Inquiries : Upon reviewing my credit report, I was dismayed to discover a significant number of unauthorized inquiries made by various creditors. These inquiries, made without my knowledge or consent, have led to an undue intrusion into my financial privacy and have caused me significant distress. The unauthorized inquiries infringe upon my rights under FCRA XXXX XXXX, which outlines permissible purposes for obtaining consumer credit reports.
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
LHMCHRYSLE - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
STELLANTIS - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
GLOBALLEND - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Incorrect Personal Information : Furthermore, I have identified instances of incorrect personal information that have been reported on my credit profile. This misinformation has tarnished my creditworthiness and has affected my ability to secure favorable financial terms. I believe that the inaccurate personal information breaches the accuracy and integrity standards set forth by FCRA Sections XXXX and XXXX, and necessitates immediate correction.
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX This address belongs to someone else. Delete it from my report immediately.
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address belongs to someone else. Delete it from my report immediately.
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address belongs to someone else. Delete it from my report immediately.
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address belongs to someone else. Delete it from my report immediately.
FCRA Violation - Reporting Accuracy of Bankruptcy Account : Most distressing of all is the potential violation related to the accuracy of a bankruptcy account listed on my credit report. This account inaccurately attributes bankruptcy proceedings to me, damaging my reputation and creating an unjust financial burden. This matter directly implicates FCRA XXXX XXXX, as well as 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), highlighting the responsibility of furnishers of information to ensure accurate reporting.
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), there is a potential violation related to the reporting accuracy of the bankruptcy account associated with Case Number : XXXX.
This situation has not only harmed me financially but has also taken a significant toll on my emotional well-being. The constant worry of unauthorized inquiries, coupled with the devastating impact of inaccurate information and the wrongful association with a bankruptcy account, has caused stress, anxiety, and sleepless nights. These events have left me feeling helpless and betrayed by a system that is supposed to protect consumers like me.
Therefore, I implore you to take immediate action to enforce the legal safeguards provided by the FCRA. I respectfully request that the concerned creditors promptly remove the unverified accounts and inquiries from my credit report, restoring my financial reputation and granting me the peace of mind I deserve.
I understand the vital role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights, and I am grateful for your dedication to ensuring fair and just practices in the financial industry. I kindly ask for your intervention in this matter and look forward to a timely resolution that can bring relief to my life.
Thank you for your attention to this pressing matter. I await your response and the steps taken to rectify these violations.
Sincerely, XXXX XXXX
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08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. I am writing to formally dispute the inaccurate and unverified information currently present on my credit report. I am seeking your assistance in addressing these violations of my rights under the law, and I humbly request your intervention to enforce the applicable legal provisions.
I have been a diligent and responsible consumer, consistently striving to maintain a good credit history. Unfortunately, my efforts have been undermined due to the actions of certain creditors who have inaccurately reported information on my credit report. I am providing a detailed account of my experience to convey the emotional toll this situation has taken on my life.
XXXXXXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The account information is reported inaccurately, stating that payments were late when they were not. This inaccurate reporting negatively impacts the individual 's credit and needs to be updated and corrected promptly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX : Account number : Address Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The address is inaccurately reported, and the individual requests its immediate removal from the credit report.
XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : Similar to the first case, inaccurate reporting of payment history is adversely affecting the individual 's credit score. The individual requests a correction and removal of the incorrect information.
XXXX XXXXXXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXX XXXXXXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX : Account number : XXXX Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : Once again, inaccurate reporting of payment history is harming the individual 's credit score. The individual requests correction and removal of the incorrect data.
XXXX XXXX XXXX XXXX XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual insists on the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX : Account number : Name Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual 's name is inaccurately reported. The individual requests its immediate removal from the credit report.
XXXX XXXX XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXXXXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual insists on the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The address is inaccurately reported, and the individual requests its immediate removal from the credit report.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : Account number : Address Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The address is inaccurately reported, and the individual requests its immediate removal from the credit report.
XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
The emotional toll of these inaccuracies is profound. I am a hardworking individual who has diligently managed my finances, only to find my efforts thwarted by creditors ' negligence. The stress and anxiety caused by these inaccuracies have affected my personal relationships, my mental well-being, and my ability to plan for my future. My dreams of homeownership, educational pursuits, and financial stability have been clouded by the unwarranted damage to my credit history.
In light of the above, I implore you to take action to ensure the enforcement of the relevant legal provisions. I respectfully request that you engage with the creditors in question to demand the removal of inaccurate and unverified information from my credit report. This is not only a matter of personal significance but also a matter of upholding the integrity of the credit reporting system for all consumers.
I thank you for your attention to this matter and your commitment to protecting consumer rights. Your intervention will undoubtedly alleviate the distress I have experienced and pave the way for a more secure financial future.
Sincerely, XXXX XXXX
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01/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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I noticed that this company is reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH. RE-AGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY. PLEASE DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me XXXX Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts XXXX, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana. Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re-age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. The following accounts listed on my credit as follows : XXXX XXXX XXXX : XXXX XXXX XXXX has two accounts that they have been re-aging. In the state that I reside, the law states that a debt can only be collected for three years and said debt can not be re-aged and/or reported as open per FCRA rules and guidelines. I also did not receive services from this company and would like them to provide proof of these services or remove them from my reporting. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thank you, XXXX XXXX
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01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX Account XXXX Account XXXX This is not mine. XXXX following account is not mine XXXX Account XXXX XXXX Account XXXX Account Number : Please Update all payment, all pay was made on time. XXXX Account XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Account XXXX Account XXXX : Please investigate and delete from my credit report. XXXX Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA XXXX. XXXX REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA XXXX. XXXX. Take care of this immediately XXXX Account XXXX XXXX Account Number : Please remove it from my credit report. XXXX Account XXXX XXXX Account XXXX : Please remove it from my credit report. XXXX Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- XXXX am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t XXXX Account XXXX XXXX Account XXXX : Please remove inaccurate reported late payments update to paid as agreed XXXX Account XXXX XXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX Account XXXX Account Number : Please ensure that all information is accurate XXXX Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX Account XXXX XXXX Account Number : Please ensure that all information is accurate XXXX Account XXXX Account Number : Please remove it from my credit report. XXXX Account XXXX Account XXXX : Please supply information on how you have verified this item. XXXX Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed XXXX Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- XXXX am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t XXXX Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- XXXX am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t XXXX Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 XXXX Reporting Format Standard ( XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! XXXX Account XXXX Account Number : Please removed from my public record XXXX Account XXXX XXXX Account XXXX My parent has the same name as me. XXXX Account XXXX Account XXXX Please supply information on how you have verified this item. XXXX Account XXXX Account Number : XXXX XXXX following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time. XXXX following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX.
has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
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10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX, Equifax and XXXX are reporting my student loan on my credit report.
XXXX account XXXX, XXXX XXXX and XXXX They are in violation of the Family Educational Rights and Privacy Act.The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) These credit agencies are in violation of 15 U.S.C subsection 1681a Accuracy and Fairness of credit reporting. ( b ) Reasonable procedures - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal!!
They are in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need My written consent to add anything to my consumer report. I did not give any credit agency authorization to furnish these student loans on my report. This is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) They are in violation of15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
-No adverse item besides the Conviction of Crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports and this is another violation 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than XXXX complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the XXXX time.
Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law.
15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. I Have done so Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
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02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Pursuant to the Gramm-Leach-Bliley Act and 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
The Privacy Rule applies to businesses that are " significantly engaged '' in " financial activities '' as described in section 4 ( k ) of the Bank Holding Company Act. Your activities determine whether you are a " financial institution '' under the Privacy Rule. According to the Bank Holding Company Act provision and regulations established by the Federal Reserve Board, " financial activities '' include : lending, exchanging, transferring, investing for others, or safeguarding money or securities. These activities cover services offered by lenders, check cashers, wire transfer services, and sellers of money orders.
providing financial, investment or economic advisory services. These activities cover services offered by credit counselors, financial planners, tax preparers, accountants, and investment advisors.
brokering loans.
servicing loans.
debt collecting.
providing real estate settlement services.
career counseling ( of individuals seeking employment in the financial services industry ).
The Gramm-Leach-Bliley Acts notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ). If the FCRA currently requires that you make clear and conspicuous disclosures to your consumers regarding your sharing of certain information ( such as consumer report and application information ) with your affiliates, you must continue to do so. The GLB Act requires these disclosures to be made as part of any privacy policy you give to your consumers or customers.
I did not receive the initial privacy and opt out notices or annual notices as required by law from any of the listed accounts. Pursuant to 16 CFR 313.9 Delivering privacy and opt out notices subpart ( e ) Retention or accessibility of notices for customers - ( 1 ) For customers only, you must provide the initial notice required by 313.4 ( a ) ( 1 ), the annual notice required by 313.5 ( a ), and the revised notice required by 313.8 so that the customer can retain them or obtain them later in writing or, if the customer agrees, electronically.
Generally, financial institutions are not considered to function as consumer reporting agencies ; however, depending on the degree to which their information sharing business practices approximate those of a consumer reporting agency, they can be deemed as such. A person, including a financial institution, may share information strictly related to its own transactions or experiences with a consumer ( such as the consumers payment history, or an account with the institution ) with any third party, without regard to affiliation, without becoming a consumer reporting agency. This type of information sharing may, however, be restricted under the Privacy of Consumer Financial Information regulations that implement the GrammLeach-Bliley Act ( GLBA ) because it meets the definition of non-public personal information under the Privacy regulations ; therefore sharing it with non-affiliated third parties may be subject to an opt out under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and information such as their credit scores with another financial institution to jointly market or sponsor other financial products or services. This communication may be considered a consumer report under the FCRA and could potentially cause the sharing financial institution to become a consumer reporting agency.
Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.
Congress has also advised against the request, disclosure, and use of social security numbers as a unique identifier for records or in the issuance of credit for any purpose outside of Public Health and Welfare ( Social Security Retirement ) disclosures and uses. The Social Security Act in codified chapter 42 U.S. Code 408. Penalties ( 8 ) In general Whoever discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both ; Notice, 15 U.S. Code 1681 - Congressional findings and statement of purpose regarding Accuracy and Fairness of Credit reporting provides ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant to 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. I, XXXX XXXX XXXX never gave Equifax, XXXX and XXXX any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter.
Accounts 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX - HIPAA Account Number : XXXX 4. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX - XX/XX/2020 Equifax
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02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( XXXX ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up XXXX person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX : Attorney Generals Office XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency XXXX : Federal Reserve System XXXX : XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
XXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, XXXX in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX A Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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04/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is a formal complaint against Equifax Information Services, LLC. SINCE I DO NOT RECEIVE ANY CORRECT RESPONSE TO THE DISPUTES I HAVE BEEN MAKING EQUIFAX SINCE I HAVE FOUND THAT I AM A VICTIM OF IDENTITY THEFT. I WANT TO XXXX IN THIS COMPLAINT THAT I THANK THE AGENTS OF EQUIFAX INTERNAL DEPARTMENT, FOR HAVING A SO FRIENDLY, PROFESSIONAL AND PATIENT DEAL TO HEAR MY DISPUTES AND TRY TO HELP ME AND I UNDERSTAND THAT THIS IS NOT IN HIS HANDS, I KNOW THAT THEY HAVE DONE WHAT IS HUMANLY POSSIBLE TO HELP ME THE TIMES THAT I CALL BY TELEPHONE, THAT IS WHY I DECIDE TO MAKE THIS COMPLAINT, HERE THE PROBLEM AND THAT I DO NOT SEE IT END IS THAT THERE IS A DEFICIENCY IN THE TECHNOLOGICAL SYSTEM, A DISAPPOINTED COMMUNICATION WITH THE DEPARTMENT AND THE DEPARTMENT THAT RECEIVES IT AND UPLOADS IT FOR DISPUTE. MY THANKS TO THEM. STORY : THIS COMPLAINT THAT I AM MAKING IS TO REPORT TO THE CFPB AND THE FTC, ALL THE IRREGULARITIES AND INCORRECT INFORMATION THAT EQUIFAX IS REPORTING IN MY PERSONAL CREDIT WITH THEM, THIS SITUATION HAS BEEN HAPPENING SINCE XXXX, I HAVE BEEN VICTIM OF THEFT SUBMITTED SEVERAL POLICE REPORTS, FTC ID THEFT REPORTS AND EQUIFAX DOES NOT RESPOND TO MY DISPUTES AND DOES NOT BLOCK THE INCORRECT INFORMATION THAT IS REFLECTED IN MY CREDIT BY BREACHING ALL FEDERAL LAWS OF FAIR CREDIT SECTION 605B AND 6 ( A ) IF AN INFORMATION IS DISPUTED FOR MORE THAN 30 DAYS AND THE CREDIT IS NOT RESPONDING AND A DEBT CAN NOT BE VERIFIED AND IF THE AFFECTED ( Y0 ) IS A VICTIM OF IDENTITY THEFT THE CREDIT AGENCIES MUST PERMANENTLY BLOCK ALL THE INFORMATION THAT IS PRODUCED OF THIS, IN THE NEXT 5 DAYS ONCE THIS HAS BEEN REPORTED, AS WELL AS CREDITORS CAN NOT REPORT ANY MORE. BELOW I WILL LIST EACH OF THE IRREGULARITIES THAT EQUIFAX IS DOING IN MY CREDIT WITH THEM : 1. IN XX/XX/XXXX I SUBMITTED A POLICE REPORT, FTC AFIDAVIT, FTC REPORT AND EQUIFAX 'S RESPONSE WERE THEY WERE NOT ABLE TO DISPUTE THE INFORMATION BECAUSE I HAD NOT SENT A COPY OF THE SOCIAL SECURITY, WHEN NOT IT IS ALWAYS CERTAIN THAT I MAKE A DISPUTE I SEND ALL THE INFORMATION THAT THEY REQUEST, WHEN I CLAIM THAT, THEY ANSWER ME WITH ANOTHER EXCUSE THAT THEY NEEDED ANOTHER ADDITIONAL ID THAT THEY HAD SENT, I SEND A COPY AND EXIT THEM WITH ME THEY CAN NOT DISPUTE INFORMATION WITH THE POLICE REPORT THAT I SENT BECAUSE XXXX MONTHS HAD ALREADY PASSED AND THE POLICE REPORT WAS NOT ALL THE ACCOUNTS THAT WERE DISPUTING, EACH TIME A DIFFERENT EXCUSE. CONCLUSION : DO THE SAME IRREGULARITIES FOLLOW AND CAN NOT BE DISPUTED? RESULTS????? LOST TIME AND MONEY, MORE UNFORTUNATE FOR ME.
2. WHEN I SEND ALL THE DOCUMENTS THAT THEY REQUEST TO SUPPORT THE DISPUTE FOR IDENTITY THEFT, THEY TELL ME THAT THE DOCUMENTS DO NOT COME TO THEM AND IF THEY COME, THEY COME TO THEM INCOMPLETE, MADE IMPOSSIBLE BECAUSE I SEND EVERYTHING IN THE SAME MAIL AND LOW MAIL THIS IS AN IRREGULARITY THAT MUST NOT HAPPEN. BECAUSE THE FEDERAL MAIL CAN NOT DECIDE AND CAN NOT VIOLATE THE CORRESPONDENCE OF OPENING THE ENVELOPE AND DECIDING WHICH DOCUMENTS ARE DELIVERED AND WHICH NOT? THIS IS ANOTHER VIOLATION FROM EQUIFAX AND WHO RECEIVES THE DOCUMENTS AND DOES NOT DO THE RIGHT THINGS.
3. IRREGULARITY AND THE MOST IMPORTANT, HAVE ME BLOCKED VIA ONLINE, I CAN NOT MAKE ANY DISPUTES, FACT THAT AFFECTS ME TERRIBLY, BECAUSE? I EXPLAIN : I HAVE TO MAKE THE DISPUTES VIA POSTAL CORRESPONDENCE, BUT IT IS IMPOSSIBLE TO VERIFY IT WITH THEM, BECAUSE ALTHOUGH I SEND IT A CERTIFIED MAIL AND I RECEIVE THE SIGNED AND RECEIVED CARD, THEY SAY THAT THEY DON'T ARRIVE TO THEM, THEY SAY NO MAIL WORSE EVEN THAN IT DOESN'T COME FULL THEN HOW CAN I MAKE THE DISPUTE CORRESPONDING WITH WHAT I SEND THEM IF THEY ARE NOT MAKING THE DISPUTE TO ME THAT I REQUEST. MY QUESTION IS THIS??? THE LOCKING SYSTEM DOES WORK TO BLOCK ME SO I CAN NOT DISPUTE INFORMATION ON LINE, BUT THAT SAME SYSTEM DOES NOT WORK FOR YOU TO BLOCK ACCOUNTS THAT HAVE BEEN OPEN UNDER IDENTITY THEFT. THIS IS IRRATIONAL.
4. IRREGULARITY AND THIS IF I HAVE EVEN MORE CONCERNED AND STRESSED ON THE EDGE OF MADNESS, EMOTIONAL WEAR IS NOT NORMAL. I WANT TO KNOW AND I REQUEST ANY DOCUMENT BECAUSE THE EQUIFAX REPORT DAILY AND CONSTANTLY CHANGES, EVERY DAY DOES IT HAVE A DIFFERENT INFORMATION TO THE ONE DISPUTED THE PREVIOUS DAY? AND WORSE IS AN ACCOUNT REMOVED AND THEN I CALL THE NEXT DAY AND THE SAME ACCOUNT IS REPORTED BUT IT CHANGES STATUS? WHAT'S HAPPENING WITH THIS? TO ME UNDERSTAND THE EQUIFAX SYSTEM IS VERY VULNERABLE TO ID THEFT AND THE WAY IT HANDLED IS EVEN MORE WRONG, BECAUSE THEY SAY THE ACCOUNTS ARE BLOCKED, BUT THE NEXT DAY IT SHOWS WHAT TO DO? I HAVE TO BE CONSTANTLY MAKING A COMPLAINT TO THE CFPB SO THAT I CAN VERIFY WHAT I DOTHE DISPUTE? THIS SHOULD NOT HAPPEN, IT IS SUPPOSED THAT THEY SHOULD DISPUTE WITH THE LETTERS AND REPORTS FROM THE POLICE AND THE FTC, WHICH I SEND VIA FEDERAL AND CERTIFIED CORRESPONDENCE. THIS FACT IS ABNORMAL, AND IRRATIONAL, IT HAS NO LOGIC. I DO NOT RECEIVE ANY GOOD NEWS FROM EQUIFAX. AM I TIRED OF BEING CALLING ON THE PHONE TO VERIFY IF MY CORRESPONDENCE IS REACHING YOU? AND MORE SAD EVEN YOUR IRRATIONAL RESPONSE MRS. XXXX THE CORRESPONDENCE DOES NOT COME AND THE ONE THAT ARRIVES IS INCOMPLETE. MUST DO IT AGAIN, REALLY I DON'T KNOW WHAT TO DO.
5. THIS MAKES ME VERY WRONG, NERVOUS AND VERY STRESSED. I HAVE REALIZED THAT THE DISPUTE AND VERIFICATION SYSTEM DOESN'T WORK AS IT SHOULD BE, I GO BACK AND I REPEAT IS VULNERABLE FOR IDENTITY THEFT, BECAUSE IT DOESN'T WORK WELL? OR AT LEAST WITH ME NO, THIS IS VERY DELICATE AND DANGEROUS, WITH ALL THE ACCOUNTS I HAVE TO COMPLAIN WITH THE CFPB AND THE FTC AND ALL THE FEDERAL CONSUMER SUPPORT AGENCIES TO REPORT ALL THE ACCOUNTS THAT EQUIFAX SAYS IT BLOCKS AND NO IT IS TRUE? EQUIFAX IS SUPPOSED TO VERIFY THE INFORMATION AND SEE ALL THE DOCUMENTATION I HAVE SENT TO REPORT THE ID THEFT AND THE INFORMATION I REQUEST IS BLOCKED, BUT IT IS NOT MADE BY THEM. THIS IS TRUE AND I WANT TO PUBLISH IT BECAUSE THIS FACT IS INCONCEIVABLE AND INCREDIBLE??? THIS IS HAPPENING RIGHT NOW AND IT IS AFFECTING ME ECONOMICALLY AND THIS IS A MISTAKE THAT EQUIFAX DOES NOT WANT TO ACCEPT, AND THAT THEY ARE DOING AN XXXX, THEY ARE DOING ALL THE CONTRARY TO WHAT THE FEDERAL LAWS FEDERAL EVEN WORSE I AM A VICTIM OF ID THEFT AND THAT I AM SENDING ALL THE DOCUMENTATION TO SUPPORT MY DISPUTES. IN FACT ON XX/XX/XXXX, I MADE A COMPLAINT IN CFPB AGAINST XXXX XXXX, FOR AN ACCOUNT THAT EQUIFAX IS REPORTING, UPLOADED THE SAME INFORMATION THAT I SENT TO EQUIFAX TO DISPUTE THE ACCOUNTS THAT ARE NOT MINE. AND XXXX XXXX ANSWERED ME BACK ON XX/XX/XXXX, XXXX 10 DAYS LATER, TEXTUAL TO CFPB XXXX No : XXXX ref : XXXX WERE WRITING IN RESPONSE TO YOUR RECENT CORRESPONDENCE TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). WE HAVE REQUESTED TO HAVE YOUR CREDIT REPORT UPDATED. WE UNDERSTAND HOW ALARMING IT MAY HAVE BEEN TO SEE AN UNEXPECTED ACCOUNT ON YOUR CREDIT REPORT. USING THE INFORMATION PROVIDED WITH YOUR CORRESPONDENCE, WE CONFIRMED SOMEONE ELSES ACCOUNT WAS BEING INCORRECTLY REPORTED ON YOUR CREDIT REPORT. WE APOLOGIZE FRO THE CONFUSION AND HAVE SUBMITTED THE REQUEST TO HAVE THE ACCOUNT REMOVED. WE ASK THAT YOU ALLOW THREE TO FIVE DAYS FOR THE PROCESS TO BE COMPLETED. WE UNDERSTAND HOW UNSETTLING IT CAN BE TO BE A VICITM OF FRAUD. YOU CAN LEARN MORE ABOUT HOW TO PROTECT YOURSELF FROM IDENTITY THEFT AND WHAT TO DO IF YOU THINK YOU MIGHT BE A VICITM BY VISITING XXXX AND FOLLOWING THE SECURITY CENTER LINK AT THE BOTTOM OF THE PAGE. YOU MAY ALSO WISH TO VISIT WWW.IDENTITYTHEFT.GOV WHICH IS THE FEDERAL TRADE COMMISSIONS ONE-STOP RESOURCE FOR IDENTITY THEFT VICTIMS. THE SITE PROVIDES CHECKLISTS AND INFORMATION TO GUIDE THROUGH THE RECOVERY PROCESS. WE HOPE WEVE ADDRESSED YOUR CONCERN. NOW WELL UP TO HERE, I TOLD MYSELF THAT I AM RECEIVING THE RESPONSES FROM THE CREDITORS, THE UNUSUAL AND UNIMAGINABLE. THE NEXT DAY, XX/XX/XXXX, EQUIFAX REPORTS AGAIN IN MY CREDIT THE ACCOUNT XXXX XXXX THAT I DISPUTE WITH XXXX XXXX AND WITH A LETTER IN WRITING AND RECEIVED BY THE CFPB PORTAL WHERE XXXX XXXX VERIFIED THAT THAT ACCOUNT DOES NOT BELONG TO ME. MY QUESTION? WHY DOES EQUIFAX KEEP REPORTING INCORRECT INFORMATION UNDER MY NAME? THIS LETTER WILL BE SENT THROUGH THIS WAY COUNT THIS COMPLAINT AS IT WAS REPORTING TO EACH ONE OF THE EERORS THAT DAILY THEY DO UNDER MY CREDIT.
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05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/ SS # : XXXX I am writing to dispute the inaccurate information that has been reported on my credit report by the following credit reporting agencies : [ List the names of the credit reporting agencies ]. I have found multiple instances of incorrect name and address information on my credit reports, and I believe that the credit reporting agencies have violated several laws in doing so. Specifically, the following violations may have occurred : Fair Credit Reporting Act ( FCRA ) : The credit reporting agencies have failed to maintain accurate information about me by reporting my name incorrectly as XXXX XXXX or XXXX XXXX XXXX instead of my correct name, XXXX XXXX XXXX. This violates Sections 607, 609, 610, 611, and 623 of the FCRA. Fair and Accurate Credit Transactions Act ( FACTA ) : The credit reporting agencies have violated Sections 611, 612, 613, 614, and 615 of the FACTA by reporting multiple incorrect addresses for me, which has caused confusion and inaccuracies in my credit report. Truth in Lending Act ( TILA ) : While this law may not be directly relevant to my case, I believe that I may be entitled to additional protections under the TILA if I have been the victim of identity theft. According to XXXX XXXX XXXX my credit reports from XXXX and XXXX, there are inconsistencies in the dates reported by the creditors. For example, the last verified date, the last activity date, the date reported, and the date opened were all reported differently by XXXX and XXXX for the same account. This discrepancy in information is a clear violation of Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies report accurate information. Additionally, the creditors failed to notify me that they were reporting inaccurate information, which violates Section 623 ( a ) ( 2 ) of the FCRA. I disputed the inaccurate information with the creditors, but they did not inform the credit bureaus of the dispute or provide any necessary corrections. The creditors also violated Section 807 ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ) by using false, deceptive, or misleading representations in connection with the collection of debt. By reporting inaccurate information about my account, the creditors misled me and potential lenders about my creditworthiness. Furthermore, the creditors violated the Truth in Lending Act ( TILA ) by reporting inaccurate information about my payment history. The TILA requires that creditors report accurate information about consumers ' payment history to credit reporting agencies. XXXX XXXX XXXX XXXX to XXXX. According to XXXX, I was 30 days late on a payment on XX/XX/XXXX, but I have never missed a payment on this account. This inaccurate reporting has had a significant impact on my credit score, causing me to be denied credit and leading to higher interest rates and fees. The creditor 's misreporting of my payment status is a violation of the Truth in Lending Act ( TILA ), which requires that creditors report accurate information about consumers ' payment history to credit reporting agencies. Additionally, their failure to provide any paperwork is a violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which requires that the consumer reporting agency must notify the consumer of the fact that the information has been disputed by the consumer. This situation has caused me a great deal of stress and frustration. The false information has prevented me from getting the credit I need to finance a new car, which I desperately need for my job. I have been forced to rely on public transportation, which is unreliable and often delays my arrival to work. This has caused me to be reprimanded by my boss and has put my job in jeopardy. I urge you to take action to enforce the laws that have been violated and ensure that creditors like XXXX XXXX XXXX XXXX are held accountable for their actions. I request that the creditor remove this unverified account from my credit report immediately. XXXX XXXX XXXX account number XXXX. According to all three credit bureaus, I am XXXX, XXXX, and XXXX days late on payments, but I have not missed any payments on this account. Furthermore, the dates and balances being reported are inconsistent among the XXXX credit bureaus, causing confusion and harm to my credit score. The inaccurate reporting by XXXX XXXX XXXX may be a violation of Section 623 ( a ) ( XXXX ) ( A ) and Section 623 ( a ) ( 1 ) ( C ) of the Fair Credit Reporting Act ( FCRA ), which require that consumer reporting agencies report accurate and complete information. Additionally, if XXXX XXXX XXXX is a debt collector, their attempt to collect an incorrect amount may be a violation of Section 807 ( 2 ) ( A ) of the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX. According to all three credit bureaus, I was late on my payments for this account, but I have not missed any payments. In addition, there are inconsistencies in the reporting of the account type, date of last activity, balance owed, and payment status among the XXXX credit bureaus. I believe that these inconsistencies and inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the creditors ' reporting of inaccurate information to all three credit bureaus may be a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires that consumer reporting agencies report accurate information. Additionally, the inconsistent reporting of dates and balances among the XXXX credit bureaus may also be a violation of Section 623 ( a ) ( 1 ) ( C ) of the FCRA, which requires that consumer reporting agencies report complete and accurate information. Furthermore, it is possible that the creditor 's reporting of differing payment statuses among the three credit bureaus may be a violation of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, which requires that consumer reporting agencies report the " date of delinquency '' for an account, which is the date on which the account first became delinquent and was not brought current. If the creditor is reporting different payment statuses for the same time period, it could be seen as inconsistent reporting of the date of delinquency. XXXX XXXX XXXX XXXXXXXX regarding my account. According to XXXX, the account type is listed as a collection account, and I have never received any paperwork or notification that my account has been sold to a collection agency. This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ). Section 623 ( a ) ( 2 ) of the FCRA requires that all credit reporting agencies report accurate information about a consumer 's credit history. Additionally, under Section 623 ( a ) ( 3 ), the creditor has a duty to provide notice of any delinquencies or collection activities to the consumer, and their failure to do so is also a violation of the FCRA. Furthermore, as a consumer, I have the right to be informed of any debt collection attempts made by the creditor or any collection agency. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 11 ), a debt collector must provide written notice within 5 days of the initial communication to the consumer, informing them of the amount of the debt, the name of the creditor, and that the consumer has the right to dispute the debt. However, I have not received any such notice from XXXX XXXX XXXX or any collection agency they may have sold my account to. This inaccurate and incomplete reporting has had a significant impact on my life. As a result of this reporting, my credit score has been negatively affected, making it difficult for me to obtain credit or loans. This has caused a great deal of stress and anxiety in my life, as I have had to turn down opportunities due to my damaged credit. I request that XXXX XXXX XXXX remove this unverified account from my credit report, as it is not accurate and is in violation of both the FCRA and the FDCPA. I also request that they provide me with written notice of any delinquencies or collection activities, as required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
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01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Statement # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$960.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$340.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Statement # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance : {$960.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXt # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$340.00} In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX Account # XXXX Balance : {$25000.00} In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
DEPT OF EDUCATIONXXXX Account # XXXX Balance : {$11000.00} In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Statement # XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance : {$960.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$340.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
DEPT OF EDXXXX Account XXXX XXXX Balance : {$25000.00} In accordance with the Fair Credit Reporting Act DEPT OF ED/XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
DEPT OF EDXXXX Account XXXX XXXX Balance : {$11000.00} In accordance with the Fair Credit Reporting Act DEPT OF ED/XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX| Account # XXXX Balance : {$28000.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX Account # XXXX Balance : {$31000.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
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07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX is not an verified account it is reporting to my credit reports per US 15 1692.g The debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, the following information must be sent to the consumer in written form : The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and I dont recognize this account it is reporting on my credit I dont recognize the the account number I dont recognize the account status I don't recognize the account balance I dont recognize the late payments associated with this account and everything reported here does not meet the FCRA you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field for-matted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse re-marks : DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your alle-gations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence ade-quately validated claims. this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evi-dence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as relat-ed to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAW-FUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RE-SPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED com-pliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature in-disputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit re-ports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete re-porting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allega-tion of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your sub-mission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE en-try. Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a chal-lenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of XXXX XXXXXXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA , my States credit reporting codes or else wise to include the requisites to have on-ly true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibil-ity to this account of MINE, however if you are unable or unwilling to present the mandated prova-ble documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative as-pects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate re-porting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subter-fuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. In genuine sincerity, XXXX XXXX
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10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX SSN : XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I recently checked my consumer report and noticed accounts I didnt open on my own.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The Following accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My identity has been stolen you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law.
I demand all the above Fraudulent accounts DELETED immediately.
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC Attorney Generals Office in your state and Mine Thank you, XXXX XXXX
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12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I respectfully dispute any inaccurate or unsupported information in my credit report, adhering to the FCRA and metro 2 reporting standards. Unsubstantiated claims of delinquency are unacceptable. Ensure factual and lawful reporting. Provide physical evidence or remove false allegations. Please mail documentation and an updated credit report.
I express deep disappointment and frustration regarding the inclusion of false or undocumented details in my credit report. Unproven claims tarnish the integrity of the report. It is your duty, under federal and state laws, to accurately and completely report allegations, refraining from unlawful claims. I urge you to verify the accuracy of your reporting in accordance with the XXXX XXXX standards. Provide tangible evidence supporting the account 's existence and permissible usage. Failure to do so necessitates the removal of the account from the report. I authorize you to mail me physical documentation outlining your actions and an updated credit report.
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXXXX/XX/XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Why are you still reporting this when I told you it is not correct? - Please delete immediately!
I've noticed a concern with the [ incorrect_field ], and it is essential to uphold strict regulatory credit reporting standards. This encompasses thorough document verification and validation processes, now of utmost importance. I kindly request official, tangible evidence showcasing your company 's adherence to these regulations, ensuring 100 % accuracy and compliance with credit-reporting guidelines.
Why are you still reporting this when I told you it is not correct? - Please delete immediately!
Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX I am writing to express my deep concern, disappointment and frustration regarding the address associated with my account. It has come to my attention that despite multiple requests, the said address- which is no longer valid and has been deemed non-deliverable by the United States Postal Service- still remains on my file. I kindly request that you take immediate action to rectify this issue as I am greatly concerned about the possibility of identity fraud, and any delay could lead to serious consequences.
It is imperative that you understand the gravity of the situation, and the potential ramifications of any incorrect personal information on my file. I remind you that I have never resided at the said address and demand that you remove it from my credit file with immediate effect. I expect nothing less than your utmost cooperation and efficiency in handling this sensitive matter.
XXXX XXXX XXXX : {$25000.00} PERSONAL INFORMATION Previous Address ( es ) BS- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX Previous Address ( XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX of XXXX Account # XXXX XXXX (! ) Account Type Educational Detail Credit Limit XXXX Balance XXXX Monthly Payment XXXX {$0.00} {$25000.00} (! ) {$300.00} (! ) Last Reported Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) XX/XX/XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX Account Type XXXX XXXX XX/XX/XXXX XXXX XXXX {$8500.00} Date Last Active XX/XX/XXXX (! ) Account Status XXXX Open Past Due XXXX {$0.00} Date OpenedXX/XX/XXXXXX/XX/XXXX (! ) XXXX Code - Comments XXXX Student loan Payment Status XXXX Current No. of Months ( terms ) XXXX XXXX (! ) Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late!
I am profoundly disappointed and alarmed to discover that the information pertaining to my account, identified as XX/XX/XXXX- XXXX, in your database fails to meet the most basic standards of accuracy and currency. Immediate rectification is imperative, as further delay will leave me with no choice but to pursue legal measures. It is essential to remove these inaccurate and flawed entries from your database and my credit report without any further delay.
XXXX XXXX XXXX : {$39000.00} Account # XXXX XXXX (! ) Account Type Educational Detail Credit Limit XXXX Balance XXXX XXXX XXXX {$0.00} {$39000.00} (! ) {$0.00} Last Reported Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) XX/XX/XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX Account Type XXXX XXXX Installment XXXX XXXX XXXX {$12000.00} Date Last Active XX/XX/XXXX (! ) Account Status XXXX Open Past Due XXXX {$0.00} Date Opened BS- XXXX XX/XX/XXXX (! ) XXXX Code - Comments XXXX XXXX Payment Status XXXX Current No. of Months ( terms ) XXXX XXXX (! ) Student loan - payment deferred Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late!
XX/XX/XXXX- XXXX, I must express my sincere disappointment and deep concern regarding the alleged delinquency and derogatory claim ( XXXX ) associated with the provided information. As it stands, the reported data lacks the essential and mandatory document proof required to substantiate the current negative reporting. It is disheartening that this negativity has been asserted without proper verification, raising significant doubts about its accuracy, truthfulness, and timeliness. Consequently, I respectfully demand an immediate and complete deletion of all aspects of this alleged negativity to uphold the integrity of ethical and lawful reporting practices as mandated by established standards for consumer credit.
XXXX XXXX XXXX : {$4100.00} Account # XXXX XXXX XX/XX/XXXXLimit XXXX {$0.00} Last Reported XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} (! ) Date Last Active XX/XX/XXXX (! ) XXXX Account Type Detail Bureau Code Comments XXXX - (! ) - XXXX XXXX XXXX XXXX XXXX {$4100.00} (! ) {$0.00} (! ) Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX (! ) Account XXXX XXXX XXXX (! ) XXXX XXXX XXXX {$4100.00} (! ) Date Opened BS- XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX Consumer disputes after resolution Charged off account Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- I do not recall ever doing business with this company. Please delete from my report!
I am deeply disappointed by your failure to provide documented evidence of compliance with reporting standards and consumer laws. This significant deficiency requires the immediate removal of the flawed and inaccurate report. Failure to comply will result in legal action against your company for non-compliance with the specific requirements outlined by law in these matters. It is crucial for us to understand the information conveyed in documentaries to avoid being caught off guard when facing potential future challenges. Such issues could have been prevented if those with superior knowledge had prioritized accuracy over mere convenience.
I wish to express my disappointment and concern regarding the practice of issuing standardized form letters in response to consumer disputes and challenges, regardless of the specific information provided. It is essential to emphasize that this approach is not in compliance with the law, which mandates the individual and merit- based handling of each dispute and challenge. I would like to clarify that the letters I submitted were generated using widely available software. Failure to process these letters would constitute a violation of XXXX XXXX XXXX XXXX XXXX. I respectfully remind you that delaying the processing of consumer letters under the assumption of third- party assistance is not legally permissible.
Please be aware that I am the sole author of any correspondence bearing my name. Should you neglect to expedite the processing of my letters, I will interpret it as a deliberate disregard for my consumer rights. In such an event, I will have no choice but to seek legal counsel and initiate appropriate legal action to address this matter.
Sincerely, XXXX XXXX XXXX
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01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXXL Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized FXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. SXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am XXXX XXXX, and I am the author of this complaint. This complaint is a FCRA based. Supporting docs/screenshots/account details are provided to me, as PII data validation / access has been provided to me - through myequifax.com and XXXX.
This issue is with more than one account on my credit profile, and then as a result of Tradelines within my own reports, but this complaint will be constrained and initiated on just one Tradeline.
There are a Total of 4 accounts with XXXX.
Because my report lacks any identifying information such as an Account Number OR Original Creditor, please refer to account at XXXX, and Opened XX/XX/21, then in the screen shot with a Reported Balance of XXXX.
It is attached as XXXX XXXX.
Because of how this data is reporting, I feel/know/have realized that it is important to point out what FICO scoring relies on to produce a consumer score. FICO Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have supplied the description from XXXX as XXXX FICO Ingredients, the source. FICO Scoring calculations are not different for each CRA. Payment History, Amount of Debt, Length of Credit History, Amount of New Credit, Credit mix.
I have attached screen shots from my credit report and, from myequifax.com and then XXXX. The screen shots of the Tradelines, are from Debt Collectors ( DC ). I have also attached the Metro2 file specification with the defined, inventory of FIELDS a DC is instructed to send.
Its is attached as Metro2 - DC Section.
Finally I have provided a link to Equifax 's site - the directives from Equifax that says, Data Furnishers must send their the data in Metro2 format.
Its is attached as Metro2 - DC Section.
Top of Page 3 - Data Reporting Requirements All new Equifax data furnishers are required to comply with certain basic requirements : Data furnisher must be a credentialed Equifax data furnisher whose account is in good standing.
Submissions must be formatted in accordance with current Metro 2 standards.
https : //assets.equifax.com/assets/usis/data_furnisher_guidebook.pdf Understanding the Metro2 File - and specifically, the Debt Collector/Buyer section of this File Specification, It Clearly says - says send EQ approximately 19 fields on a consumer, and DO NOT SEND specific fields the result of what is currently allowed and being stored and reported becomes inaccurate data and with forethought and intent.
Please see DO NOT SEND Metro2 and DC Section Metro2.
Equifax itself, defines 12 sections of a consumer report. The sections have definitions, and intent.
Equifax says Accounts, Section 2. Revolving Accounts, 3. Mortgage Accounts, 4. Installment Accounts and 5. Other Accounts are for Creditors, Credit Grantors ( CG ).
These sections are : 2. Revolving Accounts Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards 3. Mortgage Accounts Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off. You currently do not have any Mortgage Accounts in your file.
4. Installment Accounts Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans 5. Other Accounts Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support obligations or rental agreements.
Then there is a Section Called COLLECTIONS Equifax says this is for Debt Collectors.
10. Collections : Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score.
Shouldnt then, all Debt Collectors ( definition from FTC ) be in this section of a consumer file/profile/report?
Then for Equifax, what DC Tradeline is reporting correctly? The Bureaus or XXXX?
Both can not be accurate, as per your own definitions, technical standards and defined expected results. If you have examples of what it should look like be so kind as to supply it in your response to this complaint.
Attached as EQ - Collections 10.0 ( The Bureaus ' tradeline ) The Bureaus fields, and all others in 10. COLLECTIONS, CAN be mapped to Metro2.
The XXXX XXXX Fields Can not all others you allow in this section, CAN NOT be mapped to Metro2 Because of Equifax allowing them to report in a creditor/Credit Grantor Section, as an OTHER ACCOUNT, your SUMMARY section, then takes this data and calculates or derives values from its existence in fields that are inaccurate the data you are producing become wholly, knowingly, and willfully inaccurate.
Date Assigned to Collections is <> ( not equal ) to Date opened.
EQ is allowing this to be true, fraudulently. This value date - is actually allowing this tradeline to show up in the " Most Recent Account Field ''.
Please see attachment EQ Summary Details.
Must be noted all OTHER ACCOUNTS have CLOSED in their description, but they are not closed.
XXXX XXXX XXXX XXXX ( CLOSED ) In Fact, they do not even have a closed date.
This alone is wholly deceiving, and if I can see this you must know, as this is your application/database.
When a Debt Collector is then reporting Closed in the Description, where there is a reported Debt To Credit Ratio it escapes your calculations for SUMMARY - CREDIT ACCOUNTS, amongst other calculations.
All Tradelines in this XXXX. Other Accounts Sections fall into this issue.
Please see attachment EQ Summary Details.
1. There are sections, with details illustrated to the consumer and any other Credit Grantor/Lender or Employer, that describe - what should be in the inventory of Tradelines that you - EQ own, and expect to display 2. That Inventory - distinctly - separates a Creditor and a Debt Collector 3. My descriptive of each type of Data Furnisher ( CG vs. DC ) is - the FTC description 4. Other Accounts ( Section 5. ) are For Credit Grantors 5. XXXX XXXX XXXX is a Debt Collector 6. You are allowing and then reporting, Debt Collectors, in Section 5.0 7. Section 5., is used in your Summary Details, and as such is creating skewed view of Credit Accounts and Scores 8. You do not report XXXX in section 10.0 9. You do, Report a Debt Collector, like The Bureaus in this section 10. When a Debt Collector is in Section 10., the data can be mapped to Metro2.
11. When not in that section it is visibly incompliant.
12. Metro 2 says, do not sent Pay History, see attached where you are allowing it 13. EQs Description of this tradelines Account Details ( Right above the High Credit Owner Fields are Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it See attached Account Details section 14. In my view/report, there is no Account Number, making this incomplete 15. Account Status = Collection, I believe Metro 2 allows this value for CGs reporting a Tradeline not DCs.
16. Available Credit never applicable to a DC 17. Reported Balance High Credit, remarkably is used to create the Debt to Credit Ratio which is applicable to a Creditor/Lender and by your own definition- why is this allowed? 18. Months Reviewed by your own definition, never applicable
to a DC 19. Loan Type never applicable to a Debt Collector Eqs definition and Metro2s 20
. Date Opened can not, and can never = Date assigned, you are allowing this 21. Then = Delinquency First Reported can NEVER, ever be true, it is 8 months before the account was even opened 22. Creditor Classification is hijacked, allowing the DC to act as if it was the Original Creditor, and Creditor/Lender 23. Where is the Original Creditor? 24. There is a Dedicated
Field for Orig Cred, but its never reported when a DC is allowed to report in this uncompliant manner 23. Equifax is allowing this wholly inaccurate, and malicious account.
24. There is more I will save it for next steps as allowed by law.
This has been and is, in front of all the consumers eyes with a cloak and a dagger. Once you see it through you can never unsee it.
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07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXXXXXX XXXX XXXX XXXX is not an verified account it is reporting to my credit reports per US 15 1692.g The debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt XXXX days after the initial communication, the following information must be sent to the consumer in written form : The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and I dont recognize this account it is reporting on my credit I dont recognize the the account number I dont recognize the account status I don't recognize the account balance I dont recognize the late payments associated with this account and everything reported here does not meet the FCRA you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field for-matted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse re-marks : DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the XXXX XXXX data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your alle-gations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence ade-quately validated claims. this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evi-dence of you complete and irrefutably accurate and appropriate Metro XXXX COMPLIANCE as relat-ed to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAW-FUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RE-SPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED com-pliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature in-disputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit re-ports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete re-porting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single XXXX even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allega-tion of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your sub-mission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE en-try. Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a chal-lenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have on-ly true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibil-ity to this account of MINE, however if you are unable or unwilling to present the mandated prova-ble documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative as-pects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate re-porting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subter-fuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. In genuine sincerity, XXXX XXXX
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08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 9. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 10. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 11. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 13. 15 U.S. Code 1681b XXXX XXXX Account Number : XXXX 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXXXXXX Account Number : XXXX Delete Immediately 15. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 20. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX Account Number : XXXX Delete Immediately 21. 15 U.S. Code 1681i - XXXX in case of disputed accuracy. This account is showing major errors XXXX XXXXXXXX Account Number : XXXX Delete Immediately 22. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX XXXX Account Number : XXXX Delete Immediately 23. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX XXXX Account Number : XXXX Delete Immediately 24. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors CAF Account Number : XXXX Delete Immediately 25. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 26. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 27. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 28. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 29. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 30. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXXXXXX XXXX Account Number : XXXX Delete Immediately 31. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX XXXX Account Number : XXXX Delete Immediately 32. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX XXXX Account Number : XXXX Delete Immediately, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681 - Congressional findings and statement of purpose States : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
I have sent numerous letters by mail and have not heard anything back. I have seen updates on my credit report in the comments that the accounts have been disputed and dispute resolved. But how can an account with inaccurate information still reporting be resolved by law!
I have provided screen shots of the inaccurate information and request that this gets updated immediately! I also provided you with a my Government issued Id so this issue will not be delayed. Thank you.
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07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Subject : This Dispute was not Removed off my Credit Profile!!
This letter is a formal complaint to EQUIFAX, XXXX XXXX XXXX that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Below is the correct address that should be on all 3-credit bureau. XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Business There are 28 invalid and inaccurate addresses listed as my place of residence 3 invalid phone numbers, 5 invalid personal name and 3 invalid employers. I currently reside at XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my employer, and I do not wish to have a phone number listed on my credit report. I have enclosed a bills that will help verified that my legal residence is the one listed here. Due to concerns for identity theft please delete all invalid addresses and phone numbers. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Note : ID Fraud victim alert FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. Sincerely, XXXX XXXX XXXX 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ID : Current Name PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. ID : Former Address AN ADDRESS THAT HAS BEEN VERIFIED WILL REMAIN ON THE CREDIT FILE. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address AN ADDRESS THAT HAS BEEN VERIFIED WILL REMAIN ON THE CREDIT FILE. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Name THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Employment : FIRST CLASS TRAINING THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Employment : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Employment : TRAVEL TRADERS THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. Employment XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Employment : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Employment : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR EQUIFAX CREDIT FILE. IN REFERENCE TO YOUR QUESTION REGARDING THE INVESTIGATION PROCESS : UPON RECEIPT OF YOUR DISPUTE, WE FIRST REVIEW AND CONSIDER ANY RELEVANT INFORMATION YOU SUBMITTED REGARDING THE NATURE OF YOUR DISPUTE. OFTEN, EQUIFAX WILL THEN TRANSMIT YOUR DISPUTE TO THE FURNISHER OF THE INFORMATION ( IE. THE BANK ASSOCIATED WITH A DISPUTED CREDIT CARD ) FOR REVIEW AND INVESTIGATION. EQUIFAX ELECTRONICALLY SENDS A NOTIFICATION OF YOUR DISPUTE, INCLUDING A SUMMARY OF THE RELEVANT INFORMATION SUBMITTED, TO THE RESPECTIVE FURNISHER. THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY. IN THE CASE OF A PUBLIC RECORD ITEM SUCH AS A JUDGMENT, TAX LIEN OR BANKRUPTCY, EQUIFAX SEEKS THE MOST RECENT FILING ASSOCIATED WITH THE DISPUTED INFORMATION. THIS INFORMATION IS OFTEN OBTAINED FROM A MEDIUM ( IE. PAPER RECORDS OR COMPUTER DATABASE ) PRESCRIBED BY THE SOURCE OF THE INFORMATION ( IE. COURTHOUSE OR OTHER GOVERNMENT ENTITY ). EQUIFAX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. AS APPROPRIATE, EQUIFAX THEN MAKES DELETIONS OR CHANGES TO YOUR CREDIT FILE. THE NAME, ADDRESS AND, IF REASONABLY AVAILABLE, THE TELEPHONE NUMBER OF THE FURNISHER ( S ) /SOURCE ( S ) OF THE INFORMATION CONTACTED WHILE PROCESSING YOUR DISPUTE ( S ) IS SHOWN UNDER THE RESULTS OF YOUR INVESTIGATION SECTION ON THE COVER LETTER THAT ACCOMPANIES THE COPY OF YOUR REVISED CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
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02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how lo
ng it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, XXXX in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
5. XXXX XXXXXXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
7. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Usa Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXXXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report and Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to formally dispute several items of incorrect information on my credit report and to bring to your attention the potential violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
In addition to the above disputes, I have identified potential violations of the following consumer protection laws : Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate reporting of personal information.
Failure to conduct a reasonable investigation into the disputed information within the required time frame.
Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Unauthorized inquiries on my credit report.
Failure to provide verification and validation of debts.
Violations of the Fair and Accurate Credit Transactions Act ( FACTA ) : Failure to properly handle and respond to disputes within the specified time frame.
Failure to notify all furnishers of disputed information.
Violations of the Truth in Lending Act ( TILA ) : Failure to provide accurate and complete disclosure of terms and conditions of loans or credit accounts.
Violations of the Real Estate Settlement Procedures Act ( RESPA ) : Failure to provide accurate and timely disclosure of settlement costs and other pertinent information.
Violations of the Equal Credit Opportunity Act ( ECOA ) : Discrimination based on protected characteristics in the extension of credit.
Violations of the Fair Credit Billing Act ( FCBA ) : Failure to investigate and correct billing errors within the specified time frame.
I kindly request that you thoroughly investigate and address each disputed item and alleged violation within 30 days, as required by the FCRA. Additionally, please provide me with a detailed response outlining the actions taken to rectify the disputed information and address the potential violations.
Enclosed with this letter, please find supporting documentation, including copies of the credit report highlighting the disputed items, relevant correspondence, and any other pertinent information.
As a consumer protected by federal and state laws, I expect full compliance with the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. Failure to comply may result in legal action to protect my rights and seek appropriate remedies.
Please note that this letter is not intended as an exhaustive list of all potential violations. I reserve the right to bring forward additional violations and disputes as I continue to review my credit report and related documentation.
I kindly request written confirmation of the receipt of this letter and the initiation of the investigation into the disputed items and alleged violations.
Thank you for your immediate attention to this matter. I trust that you will handle this dispute and the alleged violations with the utmost professionalism and in compliance with all applicable laws.
Sincerely, XXXX XXXX
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01/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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I XXXX XXXX on behalf of myself and my husband XXXX XXXX make a claim with each respective credit reporting agency that our constitutional rights are being violated, that XXXX XXXX is using deceptive collection methods and inconsistent accounting practices on mortgage forbearance plans during the Covid-129 pandemic crisis. I believe that as a member of the XXXX community that I am being discriminated against aggressively that will cost me and my husband dearly from a financial perspective. That aside, I will keep all emotion out of the equation on my complaint, and show how XXXX XXXX has been and still is violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX was in communication with over several months while I dealt with my husbands job layoff, my personal fight with the XXXX, as well as other medical problems I will not elaborate on at this time. Accordingly, I will break my complaint down into three ( 3 ) stages, showing documentation to support my position that I lived up to the spiritual agreements between myself and XXXX XXXX, and during the same timeline there were simply too many people from XXXX XXXX that were not on the same page of communications. XXXX XXXX made multiple mistakes on implementing a level and fair playing field for my forbearance plan, and documentation will prove that my forbearance plan was never cast in stone, but manipulated and extended by verbal communications between myself and representatives of XXXX XXXX.
STAGE ONE : FORBEARANCE PERIOD XXXX XX/XX/XXXX I was offered a forbearance as I stated issues presented in the attached Consumer Financial Protection Bureau ( CFPB ) complaint of XX/XX/XXXX. The attached XX/XX/XXXX letter from XXXX XXXX states that my forbearance was good up to XX/XX/XXXX. My first missed payment was for XX/XX/XXXX, and the XXXX mortgage statement is dated XX/XX/XXXX, showing payment due {$2700.00}.
The XX/XX/XXXX mortgage statement for the XX/XX/XXXX statement shows the missed payment for that month, plus the additional payment of XX/XX/XXXX accrued as well. So far everything is going smoothly, but I was in need of more time while my husband was not back to work yet, and I was dealing with my own problems such as XXXX positive.
XXXX XXXX WAS REPORTING ON CREDIT PAID OR PAYING AS AGREED STAGE TWO : FORBEARANCE PERIOD XXXX XX/XX/XXXX Mortgage statements from XXXX XXXX shows the accumulation of back payments, principal and interest up to {$13000.00} that included the month of XXXX, even though my forbearance was supposed to be finished as of XX/XX/XXXX. This is because I had already requested an extension up to and including XX/XX/XXXX. On XX/XX/XXXX, XXXX a XXXX representative named XXXX on a recorded line automatically extended the forbearance to that date, even though a previous conversation that was recorded shows that the extension was extended to XX/XX/XXXX, and the XXXX mortgage statement will prove this, I respectfully requested XX/XX/XXXX and it was granted. I always maintain detailed notes on my phone conversations. The XX/XX/XXXX letter states as follows : As XX/XX/XXXX, we will adjust the due date of your next scheduled monthly payment to bring your mortgage current. This is important as the next three statements proves that I was operating in good faith all along with XXXX XXXX.
You can notice that XXXX correspondences states like in the XX/XX/XXXX letter, that the forbearance plan, which was ending or set to end soon. There was never a definitive date to end the forbearance. The XX/XX/XXXX letter also mentions that I may request extensions if necessary, which I did and it was granted on a recorded line. I along with a third- party consultant requested a copy of the transcript of that XX/XX/XXXX conversation, and was denied. The XX/XX/XXXX letter signed COVID TEAM. Up to the end of XX/XX/XXXX my communications with XXXX XXXX was excellent as shown by the initial extension past XX/XX/XXXX, and the next stage will validate that my forbearance was extended once more.
STATE THREE : FORBEARANCE PERIOD XXXX XX/XX/XXXX As previously stated, the XX/XX/XXXX timeline to end the forbearance was initially extended to XX/XX/XXXX. However, the XX/XX/XXXX statement that covered the XX/XX/XXXX payment shows total amount due {$16000.00}. This represents that the forbearance was extended a second time. The recorded conversation of XX/XX/XXXX proves that I was granted an extension up to XX/XX/XXXX. The laws of probability are strongly on my side, two extensions in a row, which gives the credibility to my position.
At no time was I given a written notice that the forbearance ended XX/XX/XXXX. The XX/XX/XXXX mortgage statement proves extension number two was already in play. Suddenly, this is when the bait and switch is accelerated. The XX/XX/XXXX mortgage statements now shows a total amount due {$5600.00}, which includes {$2700.00} for XX/XX/XXXX and the difference for XX/XX/XXXX. This is a complete reversal from the accrued principal and interest statement of XX/XX/XXXX. This bait and switch technique not only violate the Fair Debt Collection Practices Act, but also the Fair Credit Reporting Act. XXXX XXXX is in serious violation of its subscriber agreement with XXXX, Equifax and XXXX XXXX respectfully. However, XXXX XXXX then steps over the line from the XX/XX/XXXX letter which states as follows : At XXXX, we value our relationship with you. You presently have a special payment agreement for your loan ; while the agreement is in place, any payments that are reduced, suspended, or otherwise adjusted by the agreement are not considered delinquent. THIS CONFIRMS THAT MY FORBEARANCE PLAN WAS STILL IN EFFECT, PERIOD.
CONTINUED : Nonetheless, because your loan may be considered delinquent if the agreement expires and if you do not then bring your loan current, we are providing this notice to you in accordance with applicable regulations. THIS IS NOTHING BUT A NON-SEQUETOR, THE REGULATION IS THE FAIR CREDIT REPOORTING ACT.
By this paragraph, XXXX confirms a continuation of the forbearance, with its second extension in place. This type of shifting on any collection action would never stand in any civil court in the United States. XXXX XXXX is violating my constitutional rights and causing me and my husband excessive financial damages.
The XX/XX/XXXX letter is now the bait and switch in action. AS follows : This letter is formal notice by XXXX XXXX, the Servicer of the above-referenced loan, on behalf oXXXX XXXX XXXX, that you are in default under the terms of the documents creating and securing your Loan described above, including the Note and Deed of Trust/Mortgage/Security deed ( Security Instrument ), for failure to pay amounts due : This letter shows zero consistency with previous correspondence ; The letter shows an accounting of {$2700.00} due for XX/XX/XXXX, and another {$2700.00} for XX/XX/XXXX, totaling {$5500.00}.
At no time was there ever placed on record that my forbearance ended XX/XX/XXXX. On the contrary, it was given an additional extension based upon mortgage statements.
After seeing the aggressive collection practices by XXXX XXXX, and the fact that they sent to me a notice that I was now being reported late with the credit bureaus, XXXX XXXX used what I consider a strong-arm technique the get me to pay {$8300.00} on XX/XX/XXXX. XXXX XXXX should not be allowed to get away with this.
My complaint with the Consumer Financial Protection Bureau ( CFPB ) has not been completed. I was given notice on a recent telephone conversation that my argument is baseless, and I have been denied a transcript of the XX/XX/XXXX conversation. This bank is truly a bully with the general public, and I suspect with the XXXX community.
I demand a full investigation by the three respective credit reporting agencies into the abusive practices under the Fair Credit Reporting Act, as the governing agency for such federal law is the CFPB. XXXX XXXX is in violation my rights under FCRA and FDCPA.
XXXX XXXX CC : New York State Department of Financial Services CC : National Association for the Advancement of Colored People ( NAACP ) CC : Federal National Mortgage Association ( FNMA )
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09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activated is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights.
In accordance with the Fair Credit Reporting act Equifax, XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX - XXXX ( CLOSED ), XXXX XXXX, XXXX ( CLOSED ), Account Number XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX DEPT OF EDXXXX, XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX, XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED XXXX XXXX XXXX XXXX, XXXX XXXX ( CLOSED XXXX XXXX XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX,, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me.
According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want XXXX XXXX per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ) The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activited is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights.
In accordance with the Fair Credit Reporting act XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX, Account Number XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me.
According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want XXXX XXXX per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ) The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activited is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights.
In accordance with the Fair Credit Reporting act XXXX Report, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATIONXXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me.
According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want XXXX XXXX per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 )
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06/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I noticed hard inquiries on my credit report that I did not authorize.
XXXX XXXX XXXX ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXXXXXX XXXX XXXX XXXX XXXXXXXX ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. I do not have a car and have not applied for any car loans. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XX/XX/2020 XXXX bank ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the unverified accounts on my credit report and request that you enforce the following laws that have been violated by the creditors : Fair Credit Reporting Act ( FCRA ) : Section 623 ( a ) ( 1 ) ( A ) - Reporting accurate information to credit bureaus Section 623 ( a ) ( 2 ) - Duty to correct inaccurate information Truth in Lending Act ( TILA ) : Section 128 ( a ) ( 2 ) - Disclosure of loan terms Section 129 ( a ) - Disclosures before consummation Section 163 - Right of rescission Section 226.17 - General disclosure requirements Fair Debt Collection Practices Act ( FDCPA ) : Section 806 ( 5 ) - Threatening action that is not legally allowed Section 807 ( 8 ) - Using any false representation or deceptive means to collect a debt Section 808 ( 1 ) - Contacting a consumer at a time or place known or which should be known to be inconvenient XXXX XXXX XXXX, one of the creditors on my credit report, reported inaccurate information to XXXX that led to my account showing a 30-day late payment in XX/XX/XXXX. This information is false, and I have never missed a payment on this account. This is a violation of Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the FCRA.
FurthermoreXXXX XXXX XXXX did not provide me with the required paperwork, violating Section 128 ( a ) ( 2 ), Section 129 ( a ), Section 163, and Section 226.17 of the TILA. Additionally, they engaged in debt collection practices that were deemed harassing, deceptive, or unfair, which is a violation of the FDCPA 's Section 806 ( 5 ), Section 807 ( 8 ), and Section 808 ( 1 ).
XXXX XXXX XXXX XXXX According to XXXX, XXXX XXXX XXXX reported that I was 30 days late on a payment, but I have not missed any payments on this account. This inaccurate reporting has negatively affected my credit score and overall creditworthiness.
I believe XXXX XXXX XXXX may have violated Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to the credit bureaus. Additionally, they may have also violated Section 623 ( a ) ( 2 ) by failing to correct the inaccurate information reported to XXXX.
XXXX XXXX XXXX has reported to XXXX and Equifax regarding my account with them. According to their reports, I was 30 days late on a payment on XX/XX/XXXX, but I have not missed any payment on this account.
XXXX XXXX may have violated Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to the credit bureaus. This inaccurate information has negatively impacted my credit score and creditworthiness, which has affected my ability to secure loans and credit cards for my personal and professional needs.
Furthermore, XXXX XXXX may have also violated Section 623 ( a ) ( 2 ) of the FCRA by failing to correct the inaccurate information that was reported to XXXX and Equifax. This failure to correct the inaccurate information has caused ongoing harm to my credit profile and overall financial well-being.
As a result of these violations, I am requesting that XXXX XXXX remove these unverified accounts from my credit report and take immediate action to correct the inaccurate information they have reported. I believe that enforcing these legal provisions is necessary to ensure that creditors like XXXX XXXX are held accountable for their actions and to protect consumers from further harm.
One of the creditors XXXX that has reported inaccurate information is XXXX. They have reported a charge off on my account without notifying me or providing any paperwork to support this claim. Furthermore, according to XXXX, I was 120 days late on a payment on XX/XX/XXXX, but I did not miss any payment on this account.
The inaccurate information that XXXX has reported could have negatively impacted my credit score and creditworthiness. This has had a significant impact on my life. As a result of the inaccurate information on my credit report, I have been denied credit, and the credit that I have been able to obtain has come at a much higher interest rate than it otherwise would have.
I am requesting that you enforce Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the FCRA, as XXXX may have violated these sections by reporting inaccurate information to XXXX without notifying me or providing any paperwork to support their claim, and by failing to correct the inaccurate information that was reported.
Furthermore, XXXX may have also violated Section 623 ( a ) ( 5 ) by not updating or correcting the inaccurate information in a timely manner, causing further harm to my creditworthiness.
XXXX ( account number XXXX ) is in a charge off status. However, I have not received any notification from the creditor regarding a charge off, nor have I received any paperwork about this account. Moreover, the other two credit bureaus did not report any negative information on my account.
I believe that XXXX may have violated Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). Section 623 ( a ) ( 1 ) ( A ) requires that information reported to credit bureaus be accurate. In my case, the credit report provided by XXXX is inaccurate as it states that my account is in charge off status, which is not the case.
Furthermore, Section 623 ( a ) ( 2 ) requires that creditors investigate and correct any inaccurate information that is reported to credit bureaus. If XXXX XXXX XXXX reporting inaccurate information to XXXX, they may have violated this section by failing to investigate and correct the error.
XXXX XXXX XXXX According to XXXX, the payment status of my account with XXXX XXXX is listed as a charge off. However, I never received any notification regarding this charge off account, and they never provided any paperwork with me. Furthermore, the other two bureaus did not report any negative information on my account. It is my understanding that XXXX XXXX may have violated Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ).
Section 623 ( a ) ( 1 ) ( A ) requires that information reported to credit bureaus be accurate. It is my claim that the charge off status being reported by XXXX is inaccurate, as I was not informed of any such status and the other two bureaus did not report any negative information on my account.
Section 623 ( a ) ( 2 ) requires that creditors investigate and correct any inaccurate information that is reported to credit bureaus. If XXXX XXXX was indeed reporting inaccurate information to XXXX, they may have violated this section by failing to investigate and correct the error.
XXXX XXXX Specifically, XXXX is reporting that my account is open, when in fact it is a charge off account. Additionally, there is a discrepancy between XXXX and XXXX on the date of last activity, which suggests further inaccuracies in the reporting.
Based on the information provided, it appears that XXXX may have violated Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). Section 623 ( a ) ( 1 ) ( A ) requires that information reported to credit bureaus be accurate, and in this case, XXXX is reporting inaccurate and misleading information. Section 623 ( a ) ( 2 ) requires that creditors investigate and correct any inaccurate information that is reported to credit bureaus. If XXXX was indeed reporting inaccurate information to the credit bureaus, they may have violated this section by failing to investigate and correct the errors.
This inaccurate reporting has had a significant impact on my life. As a result of these errors, my credit score has been negatively impacted, and I have been unable to secure loans or obtain credit on favorable terms. This has made it difficult for me to provide for my family and meet our financial needs.
I request that XXXX investigate and correct these errors immediately. Furthermore, I demand that XXXX remove these unverified accounts from my credit report. I would appreciate a written response and the necessary actions taken to resolve this matter.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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07/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX : National Consumer Assistance Center XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : ( Eastern United States ) XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX : ( Western United States ) XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX , XXXX .
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Consumer Services Department XXXX Name Removal Option XXXX XXXX XXXX XXXX, PA XXXX Dear Credit Reporting Agency This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below are completely erroneous and outdated. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus.
The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
The Following Account Are in Violation of the Florida Statute 95.11 o MG Credit Opened with this debt collector in 2014 for TURNKEY PROPERTY SERVICES- ACCOUNT IS OVER 6 YEARS OLD IN FLORIDA THE MAXIUM AMOUNT IT CAN BE REPORTED IS 4- DEBT COLLECTOR ACTING ON A ZOMBIE DEBT ACCOUNT-FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11 . Florida law reduces that time to
5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus.
*XXXX XXXX XXXX XXXX BALANCE OWED $ XXXX- PAYMENT OF {$80.00} HAS BEEN MADE ON THIS ACCOUNT * XXXX XXXX - PAID IN FULL * XXXX - PAID IN FULL * XXXX XXXX PAID IN FULL CHECKING ACCOUNT XXXX XXXX XXXX - PAID IN FULL ( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States , any other state or territory in the United States , or a foreign country.
( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ).
( c ) An action to foreclose a mortgage.
( d ) An action alleging a willful violation of s. 448.110.
WITHIN FOUR YEARS.
( a ) An action founded on negligence.
( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority.
( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest.
( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment.
( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures.
( f ) An action founded on a statutory liability.
( g ) An action for trespass on real property.
( h ) An action for taking, detaining, or injuring personal property.
( i ) An action to recover specific personal property.
( j ) A legal or equitable action founded on fraud.
( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.
( l ) An action to rescind a contract.
( m ) An action for money paid to any governmental authority by mistake or inadvertence.
( n ) An action for a statutory penalty or forfeiture.
( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes.
( q ) An action alleging a violation, other than a willful violation, of s. 448.110.
Additionally, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes., please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Thank you for your prompt handling of my request.
Sincerely,
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05/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Due to unsatisfactory resolve, to date, I am escalating this matter to the USA Government consumer protection. I am disputing the information viewed on the copy of the my free credit report outlined herein. I received, a free credit report, a report granted for the purpose of checking in-accuracies.
After review of my credit file I herby dispute : 1 ) My name, address, is not, nor ever has been XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX, or XXXX XXXX XXXX, XXXX XXXX, CA XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX or XXXX XXXX XXXX XXXX XXXX CA XXXX ( this address is zoned commercial and non residential on a XXXX address search ), or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, or XXXX XXXX XXXX XXXX XXXX, CA, XXXX. In addition the Addresses in the notices section of the report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX is un-failure to me and is an address I have not been connected with, I dispute the accuracy of listed addresses and request all referenced address. I formerly advise its not accurate.
I have attached a copy of my current CA drivers license and residence of over 5 years. Please investigate these matters, and delete the disputed items as soon as possible. This complaint is a request for validation of the above, pursuant to 15 U.S.C. 1692g ( b ).
This is NOT a request for verification or proof of my mailing address, but a request for validation pursuant to the statute 15 U.S.C. 1692g ( b ). As my address is more than 5 years and California statute of limitations 3 years, additionally provide to me proof that the statute of limitations has not expired for the purposes of either legal enforcement or continued credit reporting.
2 ). Account information. XXXX XXXX XXXX Funding Account Number XXXX, has an incorrect date of first delinquency, additionally XXXX XXXX XXXX the original creditor appear to have sold the Alleged debt, claim of {$2500.00} to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the same incorrect date of the delinquency and creating a false expiration date on record, for my personal credit file of XX/XX/XXXX by the reporting of wrong information. The creditors tradeline - - XXXX XXXX XXXX, also fails to note that the alleged debt {$2500.00} was assigned to collections or charged off. This makes it look like I have two delinquent accounts - the original one, and the one ( for the same debt ) that is being reported by the collection agency or debt buyer. Under the fair credit reporting act, It's got to be accurate OR its go to be deleted. Under the fair credit reporting act, as neither account is accurate, and information on file has not got the correct dates or accurate debt amount being reported, I formerly request deleted.
XXXX XXXX XXXX, a company I am not at all aware of, nor have I done any business with, has gone ahead and pulled and unauthorized HARD credit pull on my credit file 11/15/2017. This too is unlawful use of my SSN and information under fair credit act. I herby demand the record expunged and if the request is not met I formerly request an investigation of the companies XXXX XXXX XXXX and XXXX XXXX XXXX for ethics and fair credit compliance required of a company under Securities commission regulations.
3 ) XXXX XXXX Account Number XXXX XXXX. Firstly XXXX has placed multiple calls to my California cell without consent. This in breach of California consumer credit debt collection laws. Additionally, XXXX has incorrect date of first delinquency, and the file is reporting only the date it was charged off. I dispute the accuracy the file is not reporting accurate information, I request XXXX remove this inaccurate information and expunge the file from record. Should the Cell call logs, and call records be required, I can have my representative send them to XXXX. The Fair credit reporting act does not require me to prove the mistakes of XXXX, rather it demands reporting of accurate information, dates and event. If its not accurate, its got to go. Please investigate these matters, and delete the disputed items as soon as possible.
3 ) XXXX file number XXXX. I have received in mail a settlement offer of {$5000.00} as part of a XXXX class action settlement now for XXXX charging fees. I have not accepted the offer from court, in order to preserve my rights to a remedy and larger settlement, if unresolved. XXXX is perceived by myself and my attorneys to be in violation of a number of ethics including calling my personal California cell using automated dial up process to collect a set, and reporting inaccurate dates and information. I have been through grief with XXXX. Through soul-searching I have come to the conclusion -- I just want to be left alone by XXXX and will not per-sue settlement and damages in exchange for a make right remedy. Make right remedy is to remove the inaccurate information of the charge off account including the dates and amounts. The date alleged delinquency does not match the date i disagreed with the obligation to pay, under the circumstances and conditions at the time. My dispute to XXXX and questioning of the legitimacy of the action to suspend my card, for missing a payment by just a few days resulted in nothing but verbal threats from XXXX to report nonpayment on credit. XXXX threatened to Harm my credit if I did not just agree with their decision to close the card for one to two days late payment, and continue to pay. XXXX provided me no recourse for their BULLY strategy and totalitarian dictatorship as to the terms. Have XXXX not misconducted itself under SOX and ethical practices guidelines required of a public company, and had XXXX refrained from threats to me, at the time, the card could have been agreed to be paid. XXXX continued to assess me fees, and then more fees, and unethical practices under Sarbarnes Oxley act ( SOX ) the public company simply claimed their actions as " protocol '' and " policy '' and continued to charge a person who's account they closed more fees on fees. XXXX made good on their promise to Harm me, if I did not pay. I demand the Bank expunge of this from my credit, or the Government and SEC investigate the bank and their acts against customers. The inaccurate amounts of debt being alleged as owed by XXXX is not accurate as it includes fees wrongly assed NOW in XX/XX/XXXX has been agreed by Judges and ruled by court in class action lawsuit I was offered XXXX XXXX settlement. Inaccuracy of reported dates, the discharge and record need to be expunged as the reported file lacks valid basis.
4 ) XXXX XXXX Credit Card. has an incorrect date of first delinquency. Once again, XXXX XXXX, another credit card is reporting inaccurate information. XXXX XXXX in collecting of the alleged debt called my California Based Cell in violation of California cell regulations and debt collection practices. As inaccurate dates and time line of exactly when first delinquency the date the file is to remain on my credit until is inaccurate too. If its not accurate, its got to go.
5 ) XXXX XXXX XXXX XXXX - - Unauthorized credit pull. Under securities commission ethics and guidelines and the SOX acts, a company can not at will go ahead and HARD pull the credit file of an civilian or existing customer or creditor without consent. I did not authorize any hard pull of my credit file. Additionally, if the reason for credit pull was an attempt to collect a debt the obligation under Fair credit act is to Soft Pull credit of the existing customer or creditor in default. XXXX XXXX XXXX XXXX - - Hard Inquired on my credit file XX/XX/XXXX for 'unspecified reason '. This is to be deleted.
Additionally, as referenced - this complaint with the USA GOVERNMENT - - CFPB is a request for validation of the above account ( s ) pursuant to 15 U.S.C. 1692g ( b ).
This is NOT a request for verification or proof of my mailing address, but a request for validation pursuant to the statute. Please provide me with the following : - An explanation of what the amount owed is for and how it was incurred, and - An explanation of how this amount was calculated, and - Copies of any documents that show I agreed to pay this amount, and - A verification or copy.
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12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am told not to include any personal information such as my name address Social Security number etc. so I will provide all of that on the letters to the collection agencies and to the credit companies. I am writing in reference to not only all three of the credit reporting agencies XXXX XXXX, Equifax, and the most rude and ignorant one XXXX. I am also writing in reference to portfolio recovery services and the original creditor is XXXX XXXX who sold the debt to XXXX XXXX XXXX.
Not only have I been disputing this, battling this, and also have done a report with your company as well before but I have been dealing with XXXX and Equifax for the past two years trying to get help and get these things resolved it off of my credit report. XXXX XXXX XXXX will not respond and does not listen or adhere to the notarized statement I sent them letting them know that I did not open up this fraudulent account in XXXX nor did I default on this fraudulent account that was sold to them in XXXX. This fraudulent account is now twice on all of my credit reports under XXXX XXXX XXXX original creditor XXXX XXXX. I will listed below I am done going through this I will not keep disputing this and sending them the proper information they request when they know that this is fraudulent and I have done everything Im supposed to do not only with the credit companies But also with the original grantor XXXX XXXX as well as the buying debt collector XXXX XXXX XXXX
So now Im doing everything I have to including hiring the attorney and I will be collecting on these companies if they do not take the proper action to resolve this this is very unfair in XXXX to XXXX I was in XXXX in a state XXXX that is on paper and that I do not have to provide that information based on my HIPAA laws. However I have no problem providing the information because I have nothing to hide and it is proof that I did not open up the original accounts by XXXX XXXX in XXXX. Not only are the accounts being reported on my credit report but they are also being reported in accurately as open which they have been closed obviously and bought out by the debt collector XXXX XXXX XXXX
So like I said XXXX and Equifax still have these two negative and fraudulent accounts on the credit reports and will not remove them. This month XX/XX/XXXX I sent the notarized statements and letters stating that I was indeed in XXXX when these false accounts were opened and that I was disputing this information once again and that I was reporting this not only to the consumer financial protection bureau but also the federal trade commission and XXXX XXXX XXXX XXXX. Im done dealing with this and would like something done immediately not only with XXXX XXXX XXXX but with Equifax and XXXX I am complaining on these companies right here.
On XXXX report XXXX XXXX XXXX XXXX number XXXX is beginning only shows beginning Account # -Original creditor XXXX XXXX they open XX/XX/XXXX which is a lie the original debt was opened in XXXX by XXXX XXXX XXXX at an address that I had never lived that. It says that the balance is {$650.00} that the terms are one month and that this is seriously past due assigned to attorney and collection agency number one this information is an accurate the original opening was XXXX the date open by XXXX XXXX XXXX was XX/XX/XXXX of XXXX Also on XXXX the report XXXX XXXX XXXX account number XXXX Original creditor XXXX XXXX account type that buyer date open XX/XX/XXXX that must be the date XXXX XXXX XXXX bought it because this debt was also open in XXXX by a fraudulent person at an address that I have never lived at. It is also reporting a balance of {$830.00} Saying that the terms are one month and nothing else so obviously it is being reported in accurately as well because this account is not opened and this is a fraudulent account and this is the second item XXXX XXXX XXXX has on my XXXX credit report and they will not get rid of it or help me and I recently sent them everything they needed to know Equifax Credit Report No one Equifax report this is horrible because it says no account number it just says XXXX XXXX a original creditor XXXX XXXX XXXX account type open account right there that is a lie this account is not open the date opened it says XX/XX/XXXX balance is {$830.00} and responsibility individual account collection account this is reported in accurately this is a fraudulent account opened up by XXXX XXXX in XXXX at an address that I have never lived that. And it is also being reported as open which is a lie. This is on Equifax this is the first XXXX XXXX XXXX with no account number it just says XXXX XXXX Account on Equifax is also by XXXX XXXX a with the original creditor is XXXX XXXX XXXX XXXX with no account number it has the account number aS XXXX this also says account type is open accounts which is an accurate and a lie because this account could not be open if it was bought from XXXX XXXX by a debt collector. It says date open XX/XX/XXXX with a balance of {$650.00} individual account collection account. This is in accurate and this fraud. It has been open fraudulently via XXXX XXXX XXXX in XXXX by a fraudulent person at an address that I never lived. I have also mentioned this numerous times and recently sent Equifax a report that was notarized letting them know that I was in XXXX from XXXX to XXXX which violates my HIPAA laws by even telling them that and that I want this removed immediately I have also reached out to XXXX XXXX XXXX numerous times I would also like to know the XXXX XXXX once they had received my information and took both of these XXXX XXXX XXXX and accounts off of my XXXX XXXX credit report immediately and I think that XXXX and Equifax should immediately do the same before I further my investigation.
I have provided all of the information needed I have reached out to XXXX XXXX XXXX I have reached out to XXXX XXXX and I have reached out to Equifax and XXXX regarding these fraudulent and in accurately reported accounts on my consumer credit reports and it has been going on for two years and they are not providing me with any help or any feedback and they know that these are fraudulent and I am so not OK with this and I need you to immediately do something not only will XXXX XXXX XXXX not do anything and they keep validating the stats but so will XXXX and Equifax not do anything this is not fair.
I also Im stating that I do not what I repeat I do not want any security alerts or security freezes on any of my credit reports. It is now XXXX I have been fighting with that since I learned of it in XXXX when I came home from XXXX and started receiving letters at my address which I have been out for the past 10 years. I have been at The address that I am not allowed to say for the past 10 years and I have also told XXXX and Equifax that. And XXXX XXXX XXXX the original address by which the original XXXX XXXX XXXX issued these credit to was never my address or never known address for me and was around the time when I was in XXXX for XXXX XXXX years.
I learned of this fraudulent activity when I came home and started receiving mail at my current address that I had had all of my life. I am not going to keep repeating myself I want something done about this immediately I will be filing separate reports with separate companies and I am letting you know that I will not stop until this is revolved I have done everything youve said and not put any personal information in this letter as well as included every date amount an action that was taken by myself and my company. I also have let you know with the companies have done and what they have not done and that I have reached out to them on numerous times. Ive also watched diligently what I put in this letter so please please take every information seriously and submit this as soon as possible because I know I have followed every rule. I do not know how you can correlate these fraudulent accounts to me if I do not put my personal information in this letter but Im following the rules and immediately went to XXXX and Equifax and XXXX XXXX XXXX to know that this is being handled and we are not stopping thank you so much.
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07/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Heed that this will be my FINAL letter in order to get my account in conjunction with what I, XXXX XXXX XXXX, also being referred to as the consumer to be true. Firstly, my name is XXXX XXXX XXXX, who is a natural living man not to be presumed a Legal Entity. I shall not be referred to as any other name because such names are not an accurate representation of the Legal Entity that I use to conduct business in commerce. Therefore, I demand that all other iterations and misspellings on my name be deleted from my report.
According to 15 USC 1681a ( e ) - The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
On XX/XX/XXXX, I requested the following information : Who personally conducted the investigation?
The method in which the investigation was conducted Per cue the freedom of information act, 5 USC 552 to show ALL documentary evidence as explained via 15 USC 44 & IRS Publication 583 ( all records, ledgers, contracts exemplifying rights to holder in due course, bonds, insurance, form SSA-89 ) proving that there is a debt obligation that is owed by the consumer.
I have not received any evidence that a proper investigative consumer report has been conducted on my behalf. I have not received any evidence ( such as an instrument of indebtedness ) to prove that the alleged debt is my obligation and furthermore, I know for a fact that such an obligation does not fall on me. As a creditor operating in a bankrupt system, allow me to further provide evidence to these facts. House Joint Resolution ( HJR ) 192 of June 5, 1933, describes the suspension of the gold standard and thus makes all debts discharged to the United States. This is further evidenced by Title 18 USC 8- The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Instead of the requested proofs, I've received a lofty explanation in ALL CAPS that could easily be perceived as an intimidation tactic to persuade me from seeking further remedy. Compliant XXXX submitted on XX/XX/XXXX gave me no resolution but it did in fact happen to give a detailed account of how an improper investigation was conducted. It did, however, mention the furnisher or vendor numerous times but not once referred to the consumer or the companys obligation to such consumer. I have never been the debtor and unless your organization brings forth proof of claims by sworn affidavit under penalty of perjury within 10 days of receiving this correspondence, I expect the strict performance of my following written instructions : According to 15 U.S. Code 1681b - Permissible purposes of consumer reports In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :...
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
According to 15 U.S. Code 1681m - Requirements on users of consumer reports ( d ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer; and ( e ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 1681b ( e ) of this title.
Therefore I, XXXX XXXX XXXX, would like to formally give notice of election and declare that my written instructions are the following : My consumer report is to contain no adverse information regarding any debt collection. I have given ample amount of time to give proof that such furnishings were indeed factual. Therefore, cease all reporting of any of the following collection accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) I do not consent to the reporting of the account involving child support beginning in # XXXX ( c ) I do not consent to the reporting of XXXX XXXX beginning in XXXX ( d ) Furthermore, I do not consent to the use of XXXX for the review of my future correspondences. I prefer a living person to thoroughly look over whatever dispute that I may have in regard to my report.
According to 15 U.S. Code 1681a - ( 2 ) -the term consumer report does not include ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A late payments and charge offs are prima facie of the transaction or experiences that took place between the consumer and the person furnishing the report. This is a direct violation of the code and I do not consent to having any late payments or charged offs displayed within my consumer report whether regarding open or closed accounts.
To be clear this includes late payments on : XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX # XXXX XXXX XXXX account # XXXX This also includes charge offs on : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX I deem it reasonable to allow up to 10 days from the receipt of this certified mail for my consumer report to be updated to reflect the previously mentioned amendments. Failure to completely rectify these imperfections in a timely manner will result in legal action for every individual violation as I have been seeking remedy since last year. This will include Defamation of character ( per se ), negligence enablement of identity fraud, fair debt collections practices act 15 USC 1692g violations, fair credit reporting act 15 USC 1681 violations for willful non- compliance, 616 Civil liability for willful noncompliance 15 USC 1681n.
Your organization is not honorable in your dealings and in my personal opinion, you deserve to be sued an infinite number of times for emotional, financial and punitive damages that are inflicted upon the very consumers that are supposed to be served. Cease and desist all further communication via email ( electronic mail ), telephone, text, or fax. ALL further correspondences shall be through mail and only for the following reasons : To send updated consumer reports as I request To acknowledge that accounts have been removed from my report Direct response to requests made within this letter In response to legal actions taken by either your organization or me.
I, XXXX XXXX XXXX on XX/XX/XXXX, hereby rescind all contracts, implied and expressed in regard to any agreement with your consumer reporting agency. Going forward our business relationship shall be based on the limit of elections given within this document unless expressed further in the future by I, the consumer. General acquiescence or non- response by your organization will constitute agreement and formal acceptance. You will have formally accepted each and every fact herein as they operate in favor of the undersigned due to your silence, and estoppel is in effect. You admit to your non-response to bring forth Proof of claim in support of a clean hands doctrine, full disclosure, good faith dealing pursuant to the Fair Debt Collections Practices Act as it may apply to your presentment in regard to alleged transaction/ contract as referenced above.
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01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
CFPB, On XX/XX/XXXX I went into a XXXX XXXX XXXX XXXX Branch in XXXX, Tx and spoke to a branch advisor name XXXX to go over over my loan documents regarding my car and excessive interest and late fees, and payment arrangement needing to be made on my account ending in # XXXX which was not honored in the conversation with the representative I spoke with and I was told that I had to wait until my account was past due to set up an arrangement but my account would be notated of the arrangement but was never honored. The Bank has been playing on my cognitive XXXX and taking advantage of me, they have been changing dates, and owed amounts around, as well as charging me late fees where I was never late and making my payments on time. They has been harassing me and making it hard for me to comprehend, retain, and process information without providing me with any documents in the note message box on the online app. and all the information doesnt reflect current and up to date information or anything in writing from there that internal online website.
The next conversation was about me selling my car and seeking steps for that process my XXXX XXXX XXXX account ending in # XXXX as it related to my sale offer with XXXX. I also needed to go over all documents regarding my car loan for the XXXX XXXX XXXX as I was advised to sell my car if I wanted to purchase a home. When I purchased the XXXX XXXX XXXX and XXXX XXXX and I didnt understand how I came into purchasing the XXXX XXXX and trading in my XXXX XXXX and all the cost associated with the vehicle especially when I did not sign anything or receive copies and loan documents and contract agreement of what I signed I never had to upload or submit any documentation to even qualify for any loans. No one explained anything to me step by step as I needed and asked about using my reasonable accommodations regarding my Cognitive disadvantages.
I was told that all my documents were correct and that XXXX XXXX did not give consumers any original copies of signed documents at all of what I signed but a blank copy. And I also asked about my GAP insurance that I had on my XXXX XXXX of {$290.00} and was told that my insurance was automatically cancelled once I purchased the XXXX XXXX and that the coverage did not transfer over from the XXXX XXXX ( See Attachments ).
We also discussed in the branch office in regards to the sell of the XXXX XXXX vehicle what my options were to take care of the negative equity of {$5900.00} that would be owed on the vehicle and they told me that my only option was to that I had to take out a personal expense loan also called a signature loan and go through a Sell Pay Down and to refinance the negative equity that would be left off the sell value of the vehicle from the buyers offer of {$36000.00}.
I was advised that I had to fill out the loan application first and that my loan application wouldnt even be accepted until they received the check from XXXX of {$36000.00} first.
Conversation # XXXX : The representative was back and forth on and off the phone with customer service one lastly by the name of XXXX advising me as well besides the in branch representative XXXX at the XXXX XXXX XXXX XXXX branch in XXXX, Tx XXXX of what I needed to do with this process and mention to her that I needed to refinance and do a NO MONEY LOAN the negative equity of {$5900.00} well as a personal expense loan or signature loan for the negative equity that would be left over. She also explained and asked me what term of payment I wanted to pay between 6-36 months with 7.39-18 % interest or 36 months with payments as low as {$180.00} or as high as {$210.00} once approved.
Status of Loan Application : I was talked into doing a loan and later received a denial of the loan based on an internal review and/or information obtained from my credit report, and that I did not meet their lending criteria for approval. I never received any internal credit reports, any signed documents or copy of personal expense loan application or even never signed anything. I later find out the next few days after going back into the branch that the customer service representative XXXX at the XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX submitted my application loan # XXXX for the whole amount as a personal loan expense with no collateral on XX/XX/XXXX instead of the negative equity amount I was applying for. The whole amount of {$42000.00} was submitted as a refinance of the vehicle instead deceptively which is not what our conversation was about in regards to what NO MONEY LOAN or SELL PAY DOWN negative equity of {$5900.00}. Again I was taking advantage of and mislead about the whole Sell Pay down process when selling a vehicle you currently have a loan with the bank for. My Human rights under the Americans XXXX XXXX have been completely violated. None of the products have been provided for me in writing or offered in my app.
Conversation # XXXX I asked about the payment arrangements that was made on my account without my consent and mentioned in the conversation that I had spoke to a representative over the phone previously In regards that I was in the middle of a selling process with my vehicle XXXX XXXX XXXX acct. ending in # XXXX and that I would not be making a payment in XXXX because I was paying it off and I asked about what my options were XXXX XXXX XXXX XXXX has not only violated my XXXX rights and the Federal Law but violated their own policy & procedures of what they stand for and how they are dedicated to helping their members in protecting them in any capacity financially.
My experience with them has caused me great XXXX, and XXXX and trigger my medical health condition.
The experience with them financially has caused my credit to decline and reporting to the credit bureaus with hard inquiries sabotaging my credit scores. XXXX XXXX XXXX XXXX has not provided me with their internal credit report that determined there decision to deny my personal expense loan known as a XXXX XXXX XXXX 0 % interest on the negative equity of sell of the XXXX XXXX XXXX loan acct. # XXXX THEREFORE, I am demanding a resolution for XXXX XXXX XXXX XXXX to dispute the hard inquiry made on my credit with their internal credit agency system Equifax XXXX, and other credit agencies in mentioning XXXX, XXXX, and XXXX to be removed due to their deceptive act of misinforming me and leading me to apply for a loan.
Summary of Rights You must be told if information in your file has been used against you.
Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your " file disclosure '' ).
I am also requesting for the right to there product to be able to do a SELL PAY DOWN on my vehicle for the negative equity off todays payoff of {$43000.00} from selling price of {$38000.00} in a guarantee letter in writing without doing another hard credit pull and or allow me to sell the vehicle with a payoff offer of {$38000.00} as a total payoff approved and acceptable.
Lastly, I am requesting a resolution to work with one person as a Resolution Private Client one on one regarding this selling process XXXX : to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, SPECIAL PROCESSING.
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days.
However, a consumer reporting agency may continue to report information it has verified as accurate.
IT IS ORDERED.
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08/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
I see that Nationstar XXXX XXXX XXXX removed the false report with the credit bureaus regarding, Natural Disaster ONLY with XXXX and XXXX. Yet, the report sent neglected to improve my FICO score that was hit hard, -20+ points after the, Natural Disaster report was falsely submitted by your company. We were in agreeance that a positive report being submitted to have everything reversed, including false, Natural Disaster report. I will need this re-submitted so my FICO score can be re-established. I know this is possible after XXXX XXXX XXXX XXXX did submit a report weeks prior to the false negative, Natural Disaster report and FICO points were positively established. Please listen to taped phone call conversations approximately 2 weeks prior to the false credit reporting, Natural Disaster that per all three credit bureaus, that false negative reporting did play an important role in the decline of my FICO score. This is only a touch of the continued false, malicious, intentional reporting by XXXX XXXX XXXX XXXX. The last time was using my identity and adding over {$100000.00} without my knowledge to my existing loan. A police report and identity theft report, credit froze by all three credit bureaus against those who continue doing false reporting by someone at XXXX XXXX XXXX XXXX.
I will need this change, removing once again, the false reporting, Natural Disaster in a POSITIVE report submitted by XXXX XXXX XXXX XXXX to ALL three credit bureaus so FICO my score points can be re-established and this false reporting is removed completely. This as we spoke on the phone Mr. XXXX XXXX agreed, as well when I spoke to all three credit bureaus, can be done with a positive report submitted by XXXX XXXX XXXX XXXX. Something your company has yet to do, but once, then you in turn have someone submit more false reporting as well additional negative comments.
Once again, what we agreed upon is still not being corrected as your company only submitted an update on my mortgage balance with Equifax, XXXX and did not remove the false reporting claim of natural disaster off of my credit report with XXXX. I spoke to them an hour ago, they stated they received an update only on the balance of my loan. XXXX XXXX XXXX XXXX did NOT send any positive report or change to remove the false malicious reporting.
Once again, your company as we agreed per our conversation was to submit a positive Report with the credit bureaus and by having the false reporting of a, Natural Disaster REMOVED which would help re-establish my FICO score points that were taken away due to once again false reporting from your company, natural disaster.
I need this issue addressed in a correct urgent proper manner with all three credit bureaus. I also need positive reports added to help reverse the false claims and accusations by your company which was maliciously reported and falsely reported with the credit bureaus.
I also need every single payment now reported to all three credit bureaus. Your company per taped conversations stated that AFTER the forbearance period was up, which it is, that ALL my payments since the beginning of my VA mortgage loan would be reported. As of this afternoon, they are still NOT being reported. Refer back to your taped conversation phone calls over the course of the past 12 months for your reference. This all started due to your XXXX representative, XXXX XXXX XXXX misguiding me to stop making payments on my VA mortgage loan due to issues we had with the prior owners hiding major repairs that had not been addressed, but instead hidden by photo frames, furniture, etc. Your company did admit that Mr. XXXX was in the wrong and made a settlement to close the forbearance and last payment owned during the forbearance period.
I have as well brought in other parties on this issue as well as the Attorney General 's Office, Consumer Department in the state of Indiana so this matter will finally cease and not continue on with malicious false reporting by XXXX XXXX XXXX XXXX. I will as well continue with CFPB complaints until this is resolved. I also submitted all parties copies of the phone calls with credit bureaus proving that the issues still as of this late afternoon, have NOT been resolved. Yet, XXXX XXXX XXXX XXXX sent a CFPB reply to myself the consumer, stating all the issues have been changed, addressed with the credit bureaus just a few days ago. No ... the ongoing issues with the latest malicious intentional false reporting have not been corrected.
I have also reached out to FEMA with regards to a taped phone call converstation with myself and with XXXX XXXX XXXX XXXX manager and representative within the past few weeks that blamed XXXX for the false reporting.
I have as well reached out to my insurance company, they have never heard of such false reporting and in turn, blaming XXXX. Both parties have no reporting of any such NATURAL DISASTER in my area that would warrant XXXX XXXX XXXX XXXX to submit on a report to all three credit bureaus on my credit report with my VA mortgage loan.
Mr. XXXX also on a taped phone call conversation, instead of letting me know this serious matter would be handled ASAP. He stated, " Maybe it's time you should find a new lender and refinance through a different bank. '' Instead of owning up to the companies continued false reporting and not reporting all payments with the credit bureaus. Who as any large bank representative states such a thing? I brought this up to my current bank and they stated, " Why would any bank say such a thing? Just fix the issues, it isn't that hard to submit a report to the credit bureaus and take ownership of the incorrect reporting. '' This ongoing matter of false reporting has been going on for almost 18 months and is taking a grave toll on my wife 's Health who is a current XXXX patient.
See your email from Mr. XXXX, the issues he stated were resolved. Per taped phone calls, emails, etc from the credit bureaus. It has not been resolved.
Message Published On XXXX XXXX CDT You Have a New Message Notification ATTORNEY GENERAL COMPLAIN RECEIVED.
See less message1 XXXX XX/XX/XXXX / XXXX XXXX Dear Mr. XXXX, Thank you for bringing your correspondence regarding experience with XXXX XXXX to our attention. My team at the XXXX XXXX XXXX Bank works in conjunction with the CEO s office, and I am working on researching the details of what occurred. I will reach out to you in 48 hours to discuss further. If you need to reach me, please feel free to call me at ( XXXX ) XXXX ( XXXX ), Extension XXXX. My office hours are XXXX XXXX to XXXX XXXX Monday through Friday.
Thank you for your patience. We value your membership and the opportunity to serve you.
Between XX/XX/2018 and XX/XX/2018, your XXXX/XXXX XXXX balance decreased by {$210.00} from {$120000.00} to {$120000.00}.
Updated Account Information XXXX XXXX - Remark Removed From Account Remarks are meant to make your report more clear. If you're not sure why this remark was removed from your report or where it came from, you can contact your creditor or the credit bureau for more information.
Between XX/XX/2018 and XX/XX/2018 the following remark was removed from this account : Affected by natural disaster XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XXXX representative, Mr. XXXX and Indiana Attorney General Representative was sent another email and two further taped conversations with two credit bureaus. This on top of three other prior taped calls and the credit bureaus reporting by your company on my credit report of malicious, false continued reporting that has as well continued to further damage my credit and FICO score.
Your company has yet to once again fully correct false reporting and do what it takes by submitting a positive report explaining the false reporting that has been going on for months that has caused my credit to suffer. I have also been in contact with an interested party at a very large reputable newspaper in Washington DC. If this serious issue does not get resolved urgently I will submit my story to the writer. I also now have enough proof for grounds to seek legal action.
Sincerely, XXXX XXXX
|
05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
To Whom It May Concern, I recently submitted a verification of the following accounts that appeared to be unfamiliar with me. XX/XX/XXXX, Illinois XXXX XXXX XXXX, a college I attended, had a security incident whereas I and other current and former students personal information was stolen!
( see enclosed : official letter from Illinois XXXX XXXX XXXX XXXX personal information breach ) Upon further examination of these unfamiliar accounts reported by XXXX I began to check the reporting done by your company as well as Equifax and XXXX related to me and found that neither of you three are reporting consistent, accurate, and complete information. According to the FCRA, credit reports are supposed to be accurate, complete, and verifiable! There are a number of eras within the report with several unfamiliar and unverified items in particular.
In each and every category, XXXX reports Items with either completely different totals, findings, some blank from the other reporting agencies. Neither Agency in general have similar information as the other.
XXXX couldnt provide me with their methods of investigation as to the verification of the following Accounts : Acct # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Equifax XXXX Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and Equifax reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above 3 inaccuracies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX ( XXXX XXXX ) above account XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Equifax XXXX Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and Equifax reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these XXXX categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Account Status : Paid XXXX Account Status : Derogatory Equifax Account Status : Paid Account Status should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Payment Status : Late 60 Days XXXX Payment Status : Current Equifax Payment Status : Current Payment Status should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these XXXX categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Last Reported : XX/XX/XXXX XXXX Last Reported : XX/XX/XXXX Equifax Last Reported : XX/XX/XXXX Last Reported should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete Account XXXX XXXX XXXX Account : N/A XXXX Account Status : Derogatory Equifax Account : N/A Account Status should be consistent where we have your agency being the only agency reporting this lone-ghost account. Which agency is Correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
This Account is close to the time of the breach of my personal information with Illinois XXXX XXXX XXXX!
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete XXXX XXXX XXXX # XXXX No Permissible Purpose : DELETE the Following Inquiries : XXXX XXXX : XX/XX/XXXX I never gave anyone permission to run my credit including your company.
Please provide me with any documents that I signed giving you or anyone written authorization to run my credit.
These accounts could be as the result of the Illinois XXXX XXXX XXXX Student breach included in the attached documents 15 U.S. Code 1681b - Permissible purposes of consumer reports o ( a ) IN GENERALsubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : o ( 2 ) In accordance with the written instructions of the consumer to whom it relates Further, I request to be forwarded the following proofs of verification of the above accounts, and that failure to provide me with the following documents violates my rights according to the Fair Credit Reporting Act 15 U.S.C 1681 1. Any contracts I signed with the supposed company as I never entered into any contract with any of the above account holders!
2. Any signed checks with signatures XXXX. Anything with my social security number 4. Pay Off Disclosure 5. Interest Rate Disclosure 6. Balance History 7. Payment History 15 U.S. Code 1681 ( 4 ) Congressional findings and statement of purpose o ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1692j - Furnishing certain deceptive forms o It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.
o ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
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03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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Hi. I am writing today regarding a Hamp Mortgage Modification that has not gone very well at all. Before getting into the details I would like to thank the CFPB for the help received in the past. I had written to the White House regarding the actions of XXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. The White House contacted the CFPB, opened up a case in my name and the CFPB stoppeXXXX XXXX XXXX XXXX from wrongfully selling my home on the courthouse steps for which I am grateful beyond words. I also had to call for assistance again due to XXXX XXXX XXXX again wrongfully trying to force me into foreclosure claiming to have not received signed documents on time. This was also proven to be false and the CFPB actually had to step in again and deliver the documents to XXXX XXXX XXXX on my behalf. Those case numbers are XXXX and XXXX if they are needed for reference.
The issue I am writing about today is part of that same modification and has been an ongoing problem that I really need to be resolved once and for all. XXXX XXXX XXXX has been reporting a wrongfully delinquent and highly damaging history on my credit report to all 3 CRA 's. The fact of the matter is that I have never been late a single time and have made 60 ( 5 years ) of on time or early payments on this HAMP program loan. A testament to the success of the HAMP program in my case and I am thankful to have been given the opportunity that I was given. However, even though I have a perfect payment record and have been exemplary XXXX XXXX XXXX has me down as being 120-180 days late on my credit reports from the time of XX/XX/XXXX toXX/XX/XXXX and will not remove the negative history. Unfortunately this also includes XXXX XXXX XXXX wrongful reporting for the month of XX/XX/XXXX as well. I had finally reached an agreement with XXXX for a HAMP Modification. I was to make 3 trial payments and that was supposed to be my new mortgage. This was not the case at all as I made 2 of the 3 payments and XXXX sold me to XXXX XXXX XXXX where in which I was to make my 3rd and final trial payment. That did not happen. XXXX XXXX XXXX did not give me any modification papers at all until XX/XX/XXXXand when they did they had removed all of the Principle Reductions, all incentives and even added a hefty and absurd sum to the Balance. This was when the White House contacted the CFPB for me and the 1st case # I had. I was not until My/XX/XX/XXXX that I finally got my real and actual mortgage package. After all of that I had been frozen and stuck in that trial period for 15 months! This was forced on me, done to me against my will and without my consent. These are actually the very same months that XXXX XXXX was trying to take my home and the very same months that the CFPB had to step in on two separate occasions just to even get the correct modification package. I had a very in depth and lengthy conversation on every aspect of the modification prior to entering into it. I never agreed to being in any trial period for 15 months! If anybody had been truthful with me and told me that I was going to go through all of that for 15 more months and end up w 7 to 9 late pays on my credit report for 7 more years then I would have never agreed to it. That would definitely have been a deal breaker. This has been an absolute " bait and switch ''. XXXX XXXX explained in depth that I would go into the trial period for 3 months ( XX/XX/XXXX- XX/XX/XXXX ), that my credit report would stay derogatory for those 3 months and then on the 4th month I would get my new formal modification package and that at point my credit report would be amended to reflect all payments as current from trial payment # 1 on. She even went on to sate that 24 months from them that my credit score would rebound and all kinds of wonderful things would happen. This was actually a huge part of why I made the decision to enter into the HAMP program. This is clearly not the case. In reality I spent 15 months fending off XXXX XXXX XXXX from trying to steal my home while making all of my payments early only to have up to 9 late payments ( varies by CRA ) reflected on my credit report. This is another thing I never agreed to. I agreed to enter into the HAMP program and have a NEW mortgage, not get one with 9 late payments on the history right out of the gate. Again, this is something I never agreed to and something I would never agree to. This is simply unacceptable. This also defeats one of the very purposes of the HAMP program in regards to having a chance to have a new mortgage with a new payment history. I have tried to resolve the issue numerous times since it has happened with the company and the CRA 's with no success. I need the CFPB to step in again. The newest response from XXXX XXXX XXXX from last week states that they will not be changing the reporting to the CRA 's. I am including it as well. They actually write in the response that because I was in the trial period that they themselves forced on me against my will for 15 months! This is the very same 15 month period that you, the CFPB had to take action against XXXX XXXX XXXX twice during that time frame to even get me my mortgage package. XXXX XXXX XXXX has been reporting accurately since the CFPB literally forced them to 1 ) give me my correct mortgage package and 2 ) force them to admit that they had my singed copies ( CFPB actually delivered my signed docs to XXXX for me in the 15 month period! ). Long story short XXXX XXXX XXXX actually caused the 15 month long issue themselves and have damaged my credit for those 15 months on top of all of other undue stress they caused. Unbelievable. XXXX XXXX XXXX even states in their response that because I was in the " trial period '' for all of those months which they caused themselves is the reason why they refuse to report all 60 months as " paid as agreed '' as if a 15 moth trial period is completely normal. I would be so very appreciative if the CFPB could investigate the matter and have Select Portfolio Servicing report all 60 payments truthful as " paid as agreed ''. I never agreed to that in the first place and for XXXX XXXX XXXX to use the very 15 month period against me that they spent trying to steal my home and the very same time frame that the CFPB had to step in twice against them is really quite brazen to say the least! I called the CFPB yesterday and had a pretty in depth conversation. I had read the HAMP program procedure and am familiar with it, but asked the CFPB yesterday if there was some kind of loop hole where in which XXXX XXXX XXXX could change a 3 month trial modification period to a 15 month trial period without any warning or me agreeing to it and his answer was " No, they can not do that ''. Please look at my payment records and see that I have lived up to my end of things 100 % and please have my credit report corrected to reflect that accordingly as I have never been late. I can not even convey how tired I am of being denied credit due to my supposed " 9 derogatory payments to XXXX XXXX XXXX ''. Being asked over and over by a new potential creditors why I was late 9 times on my mortgage is mind blowing. I tell them that I wasn't, but it doesn't matter. I tell them that I'd like to know why it says that too! I get alerts on a weekly basis informing me that my derogatory payment history is affecting my score and I am constantly hounded and reminded of it. I am really just sick and tired of XXXX XXXX XXXX entirely and it is honestly astounding that they are even allowed to do any business at all. I look forward to having this resolved as son as can be and thank everybody in advance for that and again for the help I have received in the past with XXXX XXXX XXXX I sincerely can not wait for the day when I never have to see their name again. I am also including the form that XXXX sent me stating that my mortgage was going to XXXX XXXX XXXX and that no terms of the agreement were being changed. Please et me know if any other documentation is needed and please feel free to view the other documents already included in the previous cases that might be needed! Thank you!
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05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the Fair Credit Reporting act
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Hard Inquiries
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Credit Score
has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions
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01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have try to resolve this issues with XXXX, Equifax, and XXXX but no results.
I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX Inquiry - these are unauthorized inquires.
XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX Equifax unauthorized inquires XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, Old Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX AUTO CREDIT Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Sales Financing XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX , XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX - AUTO FINANCE Inquiry : XX/XX/XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX # 07 Inquiry : XX/XX/XXXX + Personal Loans Cos.
( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX I Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos.
( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX.
( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos.
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos.
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX unauthorized inquires.
XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX In additionally all these company has incorrect address listed for me : The addresses are : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX All address above is incorrect. I never lived there.
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09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Notice to Principal is notice to Agent, Notice to Agent is notice to Principal Administrative Procedure ( 5 USC 551-559 ) This Affidavit is Governed according to the law Merchant Private Judicial Notice , Private legislation Let XXXX be our Judge as he has set the Watchers to watch over Man To : XXXX, XXXX, and Equifax From XXXX Executor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Comes Now, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX of The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX here to settle all matters dealing with the principal debtor. As an Investor of the United States, Certificated Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I have XXXX over all rights/interest of the principal debtor, all enjoyments, proceeds, titles, deeds, bonds, chattel papers and securities are due unto me as I have the right of subrogation as the holder in due course. All property of the Precedent vested Estate has been conveyed into the Jurisdiction of the The XXXX XXXX XXXX.
XXXX. The information that you are using in the public selling consumers private information to make a profit is private property of the XXXX XXXX XXXX XXXX. You have not received permission to use, nor have you compensated the beneficial owner of the private trust property. All of your credit reports are inaccurate as I am the original creditor that has extended credits to all financial institutions making any reports to you about the principal, I am in care of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
3. Can you show proof of possession that you are the Certificated Security holder of the Precedent Vested Landed Estate [ XXXX XXXX XXXX ]? Can you show proof of possession of an equitable title or certificate from the Trust with rights of use of the private property of the Trust?
4. This Matter creates a constructive trust, and you are now being appointed fiduciary with limited power to act on behalf of the Precedent Vested Landed Estate. Since you are assuming the position as debtor in respect to property held in the XXXX XXXX XXXX XXXX and using the private property to make a profit in the public without compensating the beneficial owner, I now demand from you the following things : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, is Reporting fraud by stating there are late payments, you are apart of this conspiracy by also reporting the fraud as well. Also, any charged off accounts is income owed to me and income should not be reported on the consumer report. I demand you report that all payments are fully current and there are no late payments and XXXX missed payments.
XXXX. I demand that the consumer credit score of the Precedent Vested Landed Estate [ XXXX XXXX XXXX ] stay at XXXX and always in perfect standing.
XXXX. Remove all hard inquires XXXX XXXX XX/XX/2XXXX XXXX XXXX ( AUTO ) XX/XX/2XXXX XXXX XXXX ( AUTO ) XX/XX/2022 XXXXXXXX XXXX XXXX ( AUTO ) XX/XX/2022 XXXX XXXX XXXX ( AUTO ) XX/XX/2022 XXXX XXXX XXXX ( AUTO ) XX/XX/2022 XXXX XXXX ( AUTO ) XX/XX/2022 XXXXXXXX XXXX XXXX ( FINANCE ) XX/XX/2022 XXXXXXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXXXXXX XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( AUTO ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXXXXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX 5. Can you or the corporations making fraudulent reports show proof of possession of the original negotiable instrument in order to enforce the instrument? Can you Show proof the original note was not destroyed voluntarily by way of securitization discharging all debt?
6. Claiming there is an alleged debt when the Bill/note was destroyed by way of securitization therefore fully discharging all debt between parties according to U.C.C 3-604 ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.
This is fraud and misrepresentation of the material facts, the character and legal amount of debt. This is an ultra vires act, usurping powers that are not within your charter/Bond nor authorized by law.
Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes fraud, and entities party deceived to avoid contract or recover damages. Barnsdall Refining Corn. V. Birnam wood Oil Co., 92 F 2d 817.
Mr. Justice XXXX said : The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked to often. Zinc Carbonate Co. V. First National Bank, 103 Wis 125, 79 NW 229 American Express Co. v. Citizens State Bank , 194 NW 430 7. WHEREAS As all government entities and alleged private corporations must be a creature of the American Constitution, this is a formal Request and Command for you to produce for the record, the Legislative Act that created your Authority to 1 ) enforce an instrument you are not in possession of, 2 ) or to enforce an instrument that was destroyed by way of securitization a voluntary act to discharge all debt. 3 ) Prove your authority to legislate over the Precedent Vested Landed Estate [ XXXX XXXX XXXX ] Private Property of THE XXXX XXXX XXXX. Take notice that a de facto basis for powers of authority is not sufficient in this matter. Failure to provide proof of your de jure authority appointed from the Executor Office of the Precedent Vested Landed Estate [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX constitutes your actions as ultra vires and by operation of law your Charter is dissolved by usurping powers you do not have, a trust arises, and I become beneficiary of said trust. As beneficiary to your dissolution, I special deposit for credit on account and order all debts be paid from your capital stock.
8. Conclusion : Do you have the original bill ( negotiable instrument ) in your possession to enforce the instrument to report payments of a debt? Can you prove the original note was not destroyed by way of securitization and discharging all debts? Do you have the certificated security instrument issued by the United States to show proof of possession over the principal debtor for subrogation rights over all proceeds of the principal debtor?
If you can not prove or rebut anything stated within this legal document, you fully agree with all demands being made. Your silence is acquiesced and considered as all demands will be met accordingly. You Now have 10 business days to fully respond to this legal document.
XXXX. For all damages and harm caused to the XXXX XXXX XXXX I make the following claims against you according to the Fee Schedule of the Trust : 1. Fraud and False Statements- {$30000.00} 2. Conspiracy- {$250000.00} 3. Failure to Respond- {>= $1,000,000} ( If you fail to respond to this Affidavit ) 4. Failure to Respond as Outlined in this Notice of Claim- {>= $1,000,000} I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. 28 USC 1746 Executor Office, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, Precedent Estate, President of the Board of Directors of The XXXX XXXX XXXX XXXX XXXX, non-citizen, National of the United States
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12/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX I reached out to XXXX and XXXX XXXX after personal info kept changing and when I noticed loan amount had significantly increased- at the time I didnt know where ( what area ) I had to go through loans ( XXXX XXXX and XXXX were the two that seemed off ). Note beginning in XXXX and XXXX noticed theft of personal documents I had been organizing ( credit reports, XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX credit card, XXXX XXXX ( now XXXX ) and loan documents were turning up missing- I had them in folders in a wide cardboard filer first XXXX XXXX entire folder then XXXX XXXX XXXX XXXX and credit reports I had a tote of XXXX XXXX documents and class work- they took that ) I found only a few items and loan papers I hid when I learned what was happening - also when my daughter and I separated she kept a suitcase of papers, yet they got to that when she gave it back - they took XXXX promissory note- if these were investigators they should have returned it. It was not felp loan and not a bank loan.
I disputed Amt. type and they sent it to XXXX someone came in taking and planting documents fake promissory note crooked on bottom and an extra XXXX XXXX loan distribution list - plus I requested the schools information and again fake info put together ( semester vs qtrs, info inaccurate including transactions and loan info, personal info- sent me somebody info modified- often I saw a re-creation attempt using anothers template fake transcript XXXX and others. No letterhead on letter and more. I tell wats wrong and its made better to fix forgery. In addition, all XXXX broke loose once I disputed or attempted -increased invasion of every area of my life- I was stalked and tracked and cameras. They came in my XXXX many times- often in night while sleep. They did things to make it seem like me and to tarnish my credibility, slander my name and question or label XXXX XXXX. I tried to work with XXXX XXXX - I gave her part of loan documents and it was because- it didnt seem relevant to her- theft, forgery, invasion and odd conversations in favor of XXXX XXXX XXXX XXXX She seemed to be gathering what I knew, what I had- anything I said they came after-? Honestly had plenty of info. They took police reports. I tried to keep XXXX safe - she left XXXX police XXXX - she listened and was attentive - and I shared documents with her becausei felt I could trust her. I believe She wrote XXXXover in loans. The people behind this has connections and another cop said it was cops ( XXXX ) but he didnt do a report and he whispered it to me- Im thankful he felt bad for me but sad he didnt have courage to stand- XXXX XXXX started calling on XXXX ( she called twice in early at number I brought into XXXX XX/XX/XXXX I spoke to her in day XXXX minutes & she left a message a little after XXXX ..and they kept coming taking or looking for what I revealed-? Something was off and I saw deletion or manipulation of her calls ( I did screenshots- did you know technology can change call info in phone? Well it wasnt XXXX it was XXXX and I emailed and saved XXXX copies they got to it so I reprinted that page and they took. I continued to call her and she told me her case was for XXXX XXXX I needed to do XXXX I attempted to start a case but I was told by XXXX XX/XX/XXXX that she was told to close case because XXXX case would be reopened it never was I left aboutXXXX messages-? for her to CALL And XXXX made sure my preference was call. Found out someone changed email and preference- regardless I never received a call about case it was a stall Waited for a while- when I recovered fafsa email and learned that there was a cover- up. Things forged with my name different- XXXX changed my name to XXXX online in one area then produced report in XXXX and took my copies- I have proof my name was hyphenated divorce and marriage all this was tampered with why me-? I was persistent and I noticed a lot that usually overlooked. Note previously I encountered XXXX rep in XXXX who stated fraud claim was denied because of incomplete submissions - I had been working with XXXX XXXX mainly because loans supposedly originated there and were moved - I filled it that formXXXX pagesXXXX they stole them submitted to XXXX as if it was me and closed their - XXXX investigation to my dispute- they listed many dates and? I dont know what they were referring to - XXXX does things and write letters as if you are requesting it- **theft of XXXX letters occurred often seemly to control complaints- they are evidence- I take photos but they mess with flash drives, computers ( unscrewed ) other camera not working and recently XXXX took film out of camera. XXXX, XXXX they took one of XXXX XXXX pages ( and will likely submit it as if I did it ) * note sometimes they return it i odd places or in plain view ( I pulled tote out closet earlier this year and they sat it i top or they would slip it in an old document/ teaching material to make it seem misplaced- I kept them in folder with a page in between 4 pages. Thats why they only got two. There has been so much illegal activity - I wanted police to do finger prints. I asked for cfpb forms twice. I never got them. I hope this is not stressing anyone - this is real even though it seems unreal. It is too much for agencies to handle .No one should have to go through what I have- it really involved and I have to trust that truth will come out- forged document and manipulation of loan information and more. Its been some weird stuff- I was even threatened and didnt take it seriously at bus stop about better be careful talking about hacking and etc dead like like ( ) two guys with red hoodies warm weather XXXX XXXXXXXX could not send faces hidden I told him I wasnt scared. Went home thought about it shared it and realized. Another XXXX questioned me wanted to know who I knew names favors etcsmart phone if I had one,? if I smoked drinker partied and end of conversation he told me it wasnt over walked out room toward copier noticed white male at table to right my phone came on by self and copier rebooted at same time. As I approached then he slipped out library. I went places and sat and saw them come looking for merecognized vehicles also. Leaving coming work site client homes ( going in my car- able to cause doors to unlocked ) Over years I had been trying to make depth of Ed see the small things that seemed like and was hacking into system - I caught incident at wcccd ( extra email financial aid - lots of system issues on computers and more XXXX and equifax compromised before it came public, money order theft usps interception certified and manipulation of info. Last cfpb rep wanted all my emails why- I just wanted a form. XXXX XXXX XXXX Recently, Other documents from past taken and a notebook I logged old doc and loan info I found and servicers calls and source ( to compare ) there were only 4 not 6 and part is in consolidation that amount includes. Review info- says XXXX went to consolidation from total distributed if so balance about XXXX. All of loans should have made consolidation inXXXX it shows no more distributions after XXXX. Much has happened over past 6 years. I was hacked in XXXX daughter Id theft twice and what they did to me they tried with her loan documents forged found two different fixed rates one high 10 % and the other accurate -? they plan and target you well in advance- planting fake documents manipulating datas documents there is a way of life doing this and entering homes/ apt if COVID spreads this is why- I had to be careful not to investigate and find self in more danger.just now As I was looking for evidence I noticed other case re : equifax rep and an email not mine ) ( XXXX prints of emails/ document of email missing .recall my bag was in snapped an some correspondences XXXX XXXX XXXX XXXX XXXX, XXXX XXXX docs missing ( forged submission of file without periods and copied onto it and address change on my legal document - From current to do file folder from my bag I believe thats why flash drive messed with and they tossed what they didnt want on table- cant seem to keep up with this12/12/2021
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11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Your company has violated the law thats Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Excludes from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experier es between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
I have a few accounts reporting as late payments on, my credit report is illegal and should be corrected/deleted/ updated below, I included the laws that it should be looked at by CFPB to make sure that these companies have updated his and fix this error asap ACCOUNTS THATS NEEDS CORRECTION 1 Account name XXXX XXXX XXXXXXXX Account number XXXX Date opened : XX/XX/XXXX Late pay, ent date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Date opened : XX/XX/XXXX Late payment date : XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened : XX/XX/XXXX Late payment date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
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05/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I have consulted with credit experts on how to build my credit to earn the highest credit score to help me assure I get the best interest rates on loans, credit cards, mortgages and other credit products I plan to use in a business I'm working on launching.
One of the suggestions the experts made was to find friends, family members or a spouse to help me establish a relationships with larger banks using a strategy known as Authorized User and doing this will help me receive opt-in offers from the very creditors who report my activity resulting from being an Authorized user enabling me to be offered my own credit card with the XXXX XXXX after 9 to12 months.
I started by asking my wife who was the first to help me in this endeavor and added me to a XXXX XXXX XXXX Card she had which did start reporting on my credit file with all three bureaus in XX/XX/XXXX. However, around the time I got friends and family members to agree to help me accomplish the same, I noticed that when looking at my Equifax report the account which was reporting on my credit file from my wife was gone/missing from my credit file as in deleted or removed entirely but the other two bureaus XXXX XXXX and XXXX were reporting my first XXXX tradeline just fine.
When I called Equifax Customer Service to inquire on this matter I explained the situation and what I was trying to accomplish and what happened and it was if I was speaking a different language no one could understand because all I kept hearing was that the account which I was reporting to them never existed on my credit file and they saw no evidence of it ever being on my file. I explained that I am a subscriber to Equifax Credit Monitoring services and that I check my credit report regularly since I've had problems with people applying for credit in my name without my knowledge or consent and that I needed to do things to help my credit improve so that I could start getting my life back to normal.
Then I shared that I have evidence that the XXXX tradeline was in fact reporting and explained that my wife called XXXX XXXX to confirm that the issue I was experiencing was in fact not the banks doing. XXXX XXXX did confirm they were actively reporting the account to my credit report and that there were no issues they were aware of as to why they would not be. I had no reason but to believe them given the account in question has been reporting to the other two credit bureaus just fine as they stated.
This was explained to XXXX in a series of phone calls to various departments including Consumer Relations when I spoke to a XXXX on XX/XX/XXXX who said the exact same thing to me, other people, I spoke to said and that was there was no evidence of it ever being reported on my credit file. She suggested I send them a copy of the credit reports I had downloaded from their website service so she could look into why my wife 's authorized user account was no longer reporting to my credit file as it was before XX/XX/XXXX.
I explained to her what I'd been going through with people using my ID and doing things on my credit without my knowledge or consent and that a few months ago in my dispute of another matter which prevented me from pulling my own credit that the IT department along with the fraud department explained to me that the reason I was unable to access my own credit file was that there were multiple social security numbers associated with my credit file which caused it be become split into two or more files. Then it was explained to me that the IT department would need 72 hours to fix this and merge the files so that I could access it as I was paying for this expensive monitoring service every month and was unable to use the service I paid for.
The reason I shared this with XXXX was that I researched myFICO forums where other users had reported only Equifax doing this to their credit files and that it was related to misuse of their credit files due to fraud which caused the files to become split so that when an authorized user account was reported it didn't end up on the correct report but some other hidden report the consumer could not access. She said she didn't know anything about that and that I would need to speak with the fraud department regarding that.
I called yesterday to explain the exact same thing to about 6 different people getting no where in trying to explain this and asking them to pull the fax I sent in so they would see that this authorized user account was, in fact, reporting during the months of XX/XX/XXXX and XX/XX/XXXX and ceases to exist since XX/XX/XXXX and I included evidence to them from their own reports that this account did exist and was active in the reports of XX/XX/XXXX and XX/XX/XXXX yet I got no sense of impression any action would be taken. When I explained the same to them as I did to previous reps they said they didn't see any split file or other socials on my file which might be causing this trouble.
The issue to them appears to be confined and restricted to only XXXX but a friend of mine added me to his credit card with XXXX XXXX which reports just fine to my XXXX and XXXX XXXX but again not Equifax and futher my wife added me to more of her accounts with other banks totalling 6 different authorized user accounts that do not report to Equifax at all, leading me back to the most probable theory in why they would appear to be blocking the reports on these types of tradelines which by the way are needed for me to prove to the banks I'll seek credit products from that I can manage the major credit cards I'm authorized to use over a 9 to 12 month period.
Equifax does not want to do anything to fix this issue and keeps shifting the blame wrongfully on the furnishers of the data whom all testify as actively reporting the accounts to all three bureaus from friends, family members, and my wife.
I don't beleive that Equifax is blocking these accounts from reporting as others in the myFICO fourms suggest and it would appear they are ; yet it seems to me the most reasonable explaination is that given all banks request to publish authorized user accounts to consumer credit files is the first, middle, and last name, address and birth date to furnish this data it's the most possible explaination that given I've already been told by only Equifax that multiple socials which are not mine obvioulsy are cross-linking my files somehow preventing the scoring system from properly calculating my data right and preventing me from having any authorized user accounts on my credit file since XX/XX/XXXX.
There can't be a problem with 7 different banks reporting XXXX tradelines to my file the only common factor is Equifax as the other two credit bureaus are reporting this just fine with no issues what so ever.
I'd like Equifax to do something meaningful in resolving this issue as I've included the evidence from their own data sources that these accounts were reporting and now are no longer doing so. If I am to take the explanations for this issue at face value which Equifax has made I'd be forced to come to the conclusion they are intentionally blocking the reporting of these various tradelines and that is why I'm reaching out to the CFPB.
Equifax is not doing anything to resolve the issues which is a very important part of helping me achieve a normal credit file which affects too many things in an Americans life. The banks and Congress recognize the value of authorized user accounts as much as the power co-signers have in helping people for whatever the reasons ; to get their credit in order to the degree they don't have to pay an arm and a leg to do anything in the commercial world.
Please see if someone at the CFPB can translate this very simple matter to the folks at Equifax so they can fix this issue and so that I can start to see these tradelines back on my credit report as they were perfect before XX/XX/XXXX. The troubling thing for me in all of this is that Equifax acts as if nothing ever happened and yet I've provided evidence to the contrary in my included documents of this complaint and nothing seems to be happening.
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX & XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
6. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. XXXX XXXX XXXX SERVICE Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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For the past several months I have been disputing inaccurate information with XXXX, Equifax and XXXX on the following accounts with the following details : XXXX XXXX XXXX High balance Date of last activity Date opened Date of last payment Closed date XXXX XXXX XXXX High balance Date opened Date of last payment Closed date Date of last activity XXXX XXXX. XXXX Date opened High balance Date of last payment Date of last activity Closed date All three bureaus claimed they verified the information is accurate, but one look at my attached credit report shows several inaccuracies regarding these items still exist.
These bureaus failed to follow reasonable procedures to ensure maximum accuracy of credit reports it prepared concerning XXXX XXXX and These bureaus failed to investigate the credit report inaccuracies in response to my disputes.
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. was enacted to require the consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 15 U.S.C. 1681 ( b ).
Under the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual ab out whom the report relates. 15 U.S.C. 1681e ( b ).
Under the FCRA, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 - day period beginning on the date on which the agency receives the notice of dispute from the consume
r. 15 U.S.C. 1681i ( a ). In conducting any reinvestigation under 1681i ( a ) ( 1
) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in 1681i ( a ) ( 1 ) ( A ) with respect to such disputed information. 15 U.S. C. 1681i ( a ) ( 4 ).
Under the FCRA, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; such amount of punitive damages as the court may allow ; and the costs of the action together with reasonable attorneys fees. 15 U.S.C. 1681n.
Under the FCRA, any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure, the costs of the action together with reasonable attorneys fees. 15 U.S.C. 1681o.
If a consumer disputes the data provided by a furnisher to the bureaus, the bureaus purport to contact the furnisher to verify the information. If that information is not verified, The bureaus purport to place a flag on the trade line to prevent it from being presented on a consumers credit report.
The inaccurate disputed information remains on my XXXX credit profile to this day. More specifically, on XXXX # XXXX, the date opened, date of last activity, term length, last payment and the high balance still varies across the three bureaus and are inaccurate. On XXXX # XXXX, the date opened, date of last activity, term length, and the high balance varies across the three bureaus and are inaccurate. On XXXX # XXXX, the date opened, date of last activity, and the last payment date varies across the three bureaus and are inaccurate.
On or about XX/XX/XXXX, I received a letter from Equifax essentially stating they completed their investigation and verified the disputed information was accurate. In this instance, Equifax did not conduct a reasonable investigation because the erroneous information remained.
On or about XX/XX/XXXX, I received a letter from Equifax stating we will not be conducting further investigation into this particular accounts ( s ) .., refusing to investigate my dispute. In this instance, Equifax failed to investigate.
The inaccurate disputed information remains on my Equifax credit profile to this day. More specifically, on XXXX # XXXX, the date opened, date of last activity, term length, last payment and the high balance still varies across the three bureaus and are inaccurate. On XXXX # XXXX, the date opened, date of last activity, term length, and the high balance varies across the three bureaus and are inaccurate. On XXXX # XXXX, the date opened, date of last activity, and the last payment date varies across the three bureaus and are inaccurate.
On or about XX/XX/XXXX, I received a letter from XXXX stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request, refusing to investigate my dispute. In this instance, XXXX failed to investigate.
I sent another dispute letter to XXXX regarding the same inaccuracies on or about XX/XX/XXXX.
On or about XX/XX/XXXX, I received another letter from XXXX stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request, refusing to investigate my dispute. In this instance, XXXX failed to investigate.
By allowing the data furnishers to repeatedly and on an ongoing basis not only furnish, but supposedly verify, incorrect information, the bureaus fail to have reasonable policies and procedures in place to ensure the maximum possible accuracy of the information they report, in violation of the FCRA.
As the result of its violations of the FCRA, the bureaus are liable to me for statutory and punitive damages, as well as attorneys fees and costs. 15 U.S.C. 1681n.
The bureaus conduct and actions were willful. The language of section 1681e ( b ) is pellucidly clear and there is no reasonable reading of the statute that could support the bureaus actions.
The bureaus received notification that the data furnishers were continuously reporting, and verifying, erroneous information that was inaccurate. Nonetheless, the bureaus willfully, deliberately and intentionally reported and maintained the incorrect information furnished by data furnishers on my credit reports, continued to do so after I disputed the accuracy thereof.
As a result of the bureaus conduct, I have suffered concrete injuries. I have fraudulent and inaccurate credit information defamatorily disseminated to third parties, and have have my credit scores significantly damaged by this information, resulting in less-preferable credit terms and even denial for loans and other sources of credit. I have further had my time wasted and expenses incurred in having to dispute these blatant inaccuracies, sometimes repeatedly, due to the bureaus failures. Additionally, I Have suffered the resulting frustration, anxiety, and emotional distress associated with the reporting of this fraudulent information which has subjected him to abusive credit reporting practices from which they have a substantive right to be free.
The bureaus violations of the FCRA were willful. Accordingly, I am entitled to statutory, actual, and punitive damages under 15 U.S.C. 1681n.
Additionally, The bureaus violations of the FCRA were negligent. Accordingly, I am entitled to statutory and actual damages under 15 U.S.C. 1781o.
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05/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the information that has been reported on my credit report by your agency. The information in question is inaccurate and has caused significant harm to my financial and personal life.
According to the Fair Credit Reporting Act ( FCRA ) - Sections 1681e ( b ) and 1681i ( a ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report, as well as to investigate and correct inaccurate information on a consumer 's credit report when the consumer disputes it.
Similarly, the Fair and Accurate Credit Transactions Act ( FACTA ) - Sections 611 ( a ) and 623 ( a ) ( 8 ) require credit reporting agencies to provide consumers with a free annual credit report and to promptly correct inaccurate or incomplete information on their credit reports upon request. I am writing to sp
ecifically address the inaccurate reporting of my current address. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, yet your agency has reported several other addresses that are not associated with me, including XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX
Despite my repeated attempts to correct this information, your agency has failed to investigate and correct it. This has resulted in my being denied credit, loans, and even suitable housing. The emotional and financial distress that this has caused can not be overstated.
I am requesting that you enforce the legal provisions outlined above and take immediate action to remove the inaccurate addresses from my credit report. Additionally, I would appreciate receiving a free copy of my credit report, as required by law, to ensure that this information has been corrected.
XXXX XXXX XXXX XXXXXXXX According to XXXX, I was 90 days late on my account with them, but I have never missed a payment on this account.
This inaccurate information has had a significant negative impact on my credit score and my ability to obtain credit. As a result, I have been denied credit and loans that I would otherwise have been approved for. This has caused a great deal of stress and XXXX for me, as I am struggling to make ends meet and support my family.
Based on the details I have provided, it appears that XXXX XXXXXXXX XXXX violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by providing inaccurate information to XXXX about my payment history. This section requires furnishers of information to consumer reporting agencies to provide accurate and complete information regarding a consumer 's credit account.
XXXX XXXX has reported to XXXX and XXXX regarding my credit account. Based on the details I have provided, it appears that XXXX has violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate and complete information.
XXXX has reported inconsistent dates to both XXXX and XXXX. According to XXXX, the last verified date was reported as XX/XX/XXXX, while XXXX did not report it at all. The date of last activity was reported as XX/XX/XXXX by XXXX, while XXXX reported it as XX/XX/XXXX. Additionally, XXXX reported the date reported as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX.
These inconsistent and inaccurate reports have had a severe impact on my credit score and ability to obtain credit. I have had to pay higher interest rates, which have resulted in me paying more for my loans and credit cards. This has caused a significant financial burden on my family and me.
XXXX XXXX XXXXXXXX XXXX has reported to XXXX regarding my account. According to XXXX, I was 90 days late on my payments, but I have not missed any payments on this account. Additionally, the payment status reported is a repossession, which is completely false.
As a result of these inaccurate reports, my credit score has been negatively impacted, making it difficult for me to obtain credit and resulting in higher interest rates. This has caused a great deal of stress and XXXX in my life, as I have had to put off important financial decisions due to the false information on my credit report.
I am aware that XXXX XXXX XXXXXXXX has violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to consumer reporting agencies to provide accurate and complete information regarding a consumer 's credit account. I am requesting that you enforce this legal obligation and remove the inaccurate information from my credit report.
XXXX XXXX has reported to XXXX and XXXX regarding my credit account. According to XXXX, the last verified date is XX/XX/XXXX, but XXXX did not report it. Furthermore, XXXX is reporting that the date of last activity is XX/XX/XXXX, but XXXX is still showing XX/XX/XXXX. Finally, XXXX is reporting that the date opened is XX/XX/XXXX, but XXXX is showing XX/XX/XXXX.
I believe that XXXX has violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by reporting inconsistent and inaccurate information to both credit reporting agencies. The FCRA requires furnishers of information to consumer reporting agencies to provide accurate and complete information regarding a consumer 's credit account.
XXXX XXXX has reported on my credit report. I believe that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by providing inconsistent and inaccurate information to both XXXX and XXXX regarding the last verified date, date of last activity, date reported, and reported balance owed. These inaccuracies have significantly impacted my credit score and my ability to obtain credit.
According to XXXX, the last verified date is XX/XX/XXXX, but XXXX has not reported anything about this account. Additionally, XXXX reports that the date of last activity is XX/XX/XXXX, while XXXX reports XX/XX/XXXX. Moreover, XXXX has reported that the date reported is XX/XX/XXXX, while XXXX reports XX/XX/XXXX. Furthermore, XXXX has reported a balance owed of {$12000.00}, while XXXX reports {$12000.00}.
These inconsistent and inaccurate reports have resulted in a negative impact on my credit score, making it difficult for me to obtain credit and resulting in higher interest rates. I have experienced financial hardship due to these inaccuracies and have struggled to make ends meet.
Additionally, XXXX has reported that I was 30 days late on XX/XX/XXXX, when in fact, I did not miss any payments on this account. This inaccurate information has further damaged my credit score and has made it even more challenging for me to obtain credit.
XXXX XXXX XXXX. As a consumer, I have the right to accurate and complete information regarding my credit accounts, as required by Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ).
XXXX and XXXX have violated this section of the FCRA by reporting inconsistent and inaccurate information to both XXXX and XXXX regarding the date of last activity, date reported, and date opened. Additionally, XXXX XXXX XXXX has violated Section 1681s-2 ( a ) ( 1 ) ( B ) by failing to correct the inaccurate information they provided.
Furthermore, I believe that both XXXX and XXXX XXXX have violated Section 1681i ( a ) ( 1 ) ( A ) by reporting inconsistent and inaccurate information provided by the furnishers. All three creditors may have also violated Section 1681e ( b ) by failing to maintain reasonable procedures to ensure the accuracy of the information they provide.
These inaccuracies have negatively impacted my credit and my ability to obtain credit at reasonable interest rates. As an example, I was recently denied a loan due to the inaccuracies being reported on my credit report.
I urge you to enforce the legal requirements of the FCRA and ensure that these creditors remove the inaccurate and inconsistent information from my credit report. Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
|
02/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
Equifax refuse to put a statement in my credit file. It ignored my proofs to delete a collection I have no knowledge of since I have auto pay with XXXX to the present date of thus complaint to my understanding which neither I or my bank unauthorized it ever, XXXX has my credit card information to get paid for any ligitimate charge they think I owe XXXX and my credit card always has more than {$4000.00} available at any time from the date that auto pay was set and given XXXX Authorization to use it until now. Therefore, if XXXX, its collection and Equifax do not have any proofs to provide to prove the above information is wrong then Equifax must delete the wrong information they resisted to delete from my Equifax credit file, the collection must be deleted permanently and now. This issue took more then 30 days and new issues developed as follow : Below is my electronic communications via email with Equifax which this bureau can not deny. EQUIFAX Retaliation to keep a collection by force in my clean credit report took another extreme level of retaliatory actions from Equifax. Adding Fraud Alert without my consent. Blacklisting my personal information to restrict my online access using their Equifax public online services to dispute but Equifax in retaliation chose to not refrain to restrict me from that service or online services. Equifax did not provide me or failed to provide me and/or broke the law refusing to provide, and pursuant to the freedom of information act and/or privacy act, all the proofs if any at all which Equifax obtained from XXXX and/or XXXX collection company in order to prove my legal argument was wrong so it gave Equifax a reason to leave the collection in my Equifax credit file : my legal argument is shown clearly in one of the files.
I copied and pasted this from my email records with Equifax : Dear Equifax : Stop your retaliation. I am in receipt of the Following that Equifax placed without my consent : image1.jpeg You need to left any block that might block my freedom to access my credit report or consent access to it by any means.
Also the Equifax trustedid monitoring that you canceled against my will and without my consent if not reinstated you will be held accountable for anything to impact my credit at anytime and by anyone unauthorized.
This is a legal Notice to Equifax and it will be used in a court of law at any time.
Thank you, XXXX XXXX Today XX/XX/2019.
On XX/XX/2019, at XXXX XXXX, XXXX XXXX wrote : I never accepted or enrolled in what just said below.
Equifax will be held liable for any identity theft or any issue from the breach of my information at your Equifax servers or data centers due your negligence.
Either reinstate the credit monitoring or you will be sued.
Thanks XXXX XXXX On XX/XX/2019, at XXXX XXXX, XXXX wrote : Dear XXXX XXXX , We appreciate the opportunity to address this matter and apologize for any confusion.
Our records indicate that your account was cancelled due to your recent acceptance to extend your complimentary credit monitoring through XXXX XXXX XXXX product. If you have questions about that enrollment, an XXXX customer care agent will be able to assist with enrollment at XXXX, 24 hours Monday - Friday, and XXXX XXXX - XXXX XXXX CT Saturday and Sunday.
For more information regarding the migration and Equifaxs partnership with XXXX, visit the FAQs page at : XXXX XXXX XXXX Thank you for contacting Equifax, XXXX XXXX XXXX
Equifax Consumer Care Team ref : XXXX : ref On XX/XX/2019, at XXXX XXXX, XXXX XXXX wrote : I am rejecting the Equifaxs cancelation referenced below, this any identity theft or fraud or any unlawful breach to my sensitive information after you canceled the monitoring service Equifax assume now legal consequences if I became a victim of identify theft or unlawful use of my information that was breached from time servers or data center and under your watch. I reserve all my rights including but not limited to bring civil action in the case a future issue as described above happened with my information that you mishandled and you continue the same and between us courts, public opinion and other legitimate lawful of any kind without waiving my rights. You are now noticed and you would be exposed and reported to whom it has jurisdiction if any retaliation again more than this or any newer retaliation occurrence adding it to what you have being done against my person til now. All stated herein subject to a previous noticed to Equifax.
Date XX/XX/2019 XXXX XXXX.
On XX/XX/2019, at XXXX XXXX, XXXX Customer Service wrote : Equifax Your TrustedID Premier Product Cancellation Dear XXXX, XXXX XXXX XXXX product has been cancelled. We appreciate the opportunity to have helped you monitor your credit and better protect your identity, and we hope we can serve you again in the future.
We realize you may have questions and have provided some information below : What happens if I locked my Equifax credit report through XXXX XXXX or any other Equifax product?
When your XXXX XXXX subscription cancels, your Equifax credit report will be unlocked. If you locked your Equifax credit report with any other Equifax product, be sure to log in and re-lock your Equifax credit report. Also, if you enroll in the Experian IDnotify product, your XXXX XXXX will cancel and your Equifax credit report will be unlocked.
If you wish to restrict access to your Equifax credit report and you do not take action through an existing Equifax product, you can place a free security freeze or sign up for our complimentary product Lock & Alert.
What if I have a security freeze on my Equifax credit report?
If your Equifax credit report is frozen and not locked, the security freeze will stay in place.
If you have any questions about your subscription, please contact our Customer Care Agents at XXXX, XXXX XXXX to XXXX ET, 7 days a week, or by email XXXX.
A valuable resource you can consult for information regarding identity theft is www.consumer.ftc.gov/topics/identity-theft.
Sincerely, Your Equifax Customer Care Team Privacy Policy Contact us at XXXX Equifax is a registered trademark and TrustedID Premier is a trademark of Equifax Inc.
XX/XX/2019, Equifax Inc., XXXX, Georgia. All rights reserved.
Equifax Global Consumer Solutions XXXX XXXX XXXX XXXX, GA, XXXX You On XX/XX/2019, at XXXX XXXX, XXXX wrote : Thank you for contacting Equifax. The reference number for this inquiry is XXXX # XXXX.
We have received your inquiry and are working diligently to process it. However, due to higher-than-normal email volume, there may be a slight delay in our response time.
Please know that we are doing everything we can to service your request and will respond to all email inquiries as quickly as possible. If you would like to add to this inquiry, simply reply to this email with your additional questions so that a new case number is not generated in the system. Please do not send a new email, as it will create a new case and further delay our response to you.
We thank you for your patience, and as always, appreciate your business.
Regards, Your Customer Care Team Copy ends Here.
- they damaged my credit with one collection that I proved to them that it should never existed so I have no knowledge of it. Because sprint can use auto pay that I set up and never changed it or unauthorized it so my bank neither interfered in it by proof.
-my credit file has zero missed payment exceptional .they are ruining now with that referenced collection to harrass me and cause me imminent irreparable damages and losses in retaliation against me.
- Equifax canceled in retaliation my Trustedid monitoring service.
-Equifax blacklisted my Information unlawfuly.
-Equifax confiscated my credit report and other information unlawfully.
All stated herein is to the current state of my belief, knowledge and understanding and subject to anything by me at any time without waiving my rights under any circumstances.
Who can stop Equifaxs abuse and retaliation against my person?
|
02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXXXXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fra
ud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
|
08/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I am filing this complaint on all three credit bureaus for their involvement in an illegal involving many state and federal government employees, numerous ordinary individuals, employees at all three credit bureaus, XXXX and its XXXX XXXX services, XXXX and apps, XXXX and XXXX and numerous officers of the courts. I am the targeted individual because of what I know and what I have already proven by documented evidence from Georgia, Illinois and Indiana. I will complete that which God has ordained me to complete.
I have attempted to correct illegal and incorrect information on my credit report for many years. I have retained some of the reference numbers and confirmation numbers issued by the credit bureaus : XXXX XXXX XX/XX/XXXX File # XXXX, which consist of my complaints against XXXX XXXX, XXXX and XXXX XXXX XXXX, Equifax # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, Equifax # XXXX. All of my complaints have gone without a resolution.
All three credit bureaus received and stored alleged negative credit information on my credit file, without requiring the furnisher of information to provide legal proof of the negative credit information. All three credit bureaus participated in the electronic data manipulation of my private and personal information, which is ongoing today, especially within all of my email accounts, and my complaints filed with Consumer Financial Protection Bureau. All mentioned above have also engaged in altering electronic information within colleges I attended and within data submissions I completed, most recently, while I completed testing at XXXX in XXXX, Indiana.
XXXX XXXX XXXX XXXX, continued to file negative credit information in my credit file, while knowing they had no legal right to do so. See first Exhibit attached, which is my copy of the Vehicle Sales Agreement which reveal no lienholder/creditor. I filed a civil action against XXXX XXXX, et al, in the XXXX District Court of Indianapolis, with Chief Judge XXXX XXXX presiding, Case # XXXX. Facts and evidence, with this action supports that Judge XXXX XXXX, along with numerous government employees have aided all named Defendants, while denying all my motions to add additional needed defendants to the action. All legal documents I filed in this action was ignored by the Chief Judge and XXXX XXXX was allowed to walk away with clean hands even though their hands are still full of mud from illegal activities relating to this case and involving my life and my chosen liberties.
The Exhibits are : Plaintffs Exhibit Loyal 2, is a document produced by XXXX XXXX, et al, with a false altered date, entered at the top left side- Order Date : XX/XX/XXXX. XXXX XXXX, et al, produced this fraudulent document from XXXX and stated this document is the date the Order to Repossess was initiated for my XXXX XXXX XXXX to be Repossessed in XX/XX/XXXX. If you would move down to almost the very end of this document, you will notice the Copyright XX/XX/XXXX XXXX XXXX XXXX. The Copyright clearly reveal this document was created in XX/XX/XXXX, then illegally backed dated to XX/XX/XXXX. This is a crime of spoliation, with the altering of metadata, to willfully commit fraud. Judge XXXX aided in this criminal matter by illegally dismissing my Title VII federal action with prejudice. The next Exhibit B, is one of many denials of credit I received, because of the negative credit information reported by XXXX XXXX, et al to the credit bureaus. God directed me to wait and become educated on Paralegal Courses, I recently completed, whereby the study of spoliation and metadata maniipulation, which is the illegal alterations of electric data history, so that I would gain accurate knowledge of what has been perpetrated against me and why. Exhibit G, is a partial copy of the credit report, which was also filed in my civil action against XXXX XXXX, et al, which reveals, the fraudulent information the credit bureaus allowed to be added to my credit history file. Exhibit D is a collection letter I received from XXXX XXXX XXXX XXXX XXXX, which is their attempt to collect on a fraudulent debt created by XXXX XXXX, et al. Exhibit H is another partial credit report, again revealing XXXX XXXX, et al- false information added to my credit file. I fought for years, by requesting the credit bureaus remove this false information from my credit file, to no avail. The recently in XX/XX/XXXX, after Judge XXXX fraud upon the court by allowing XXXX XXXX, et al and the City of XXXX to receive favorable rulings based upon this fraud.
From the documents I have submitted, it is clear that a legal creditor/debtor relationship never existed between XXXX XXXX, et al and XXXX XXXX. All three credit bureaus failed to protect my credit history from illegal entries. All three credit bureaus failed to maintain a complete credit history for XXXX XXXX. The credit bureaus failed to maintain a complete credit file to sustain my residency in XXXX, Wisconsin for many years before relocating to Georgia. I paid off a mortgage at XXXX XXXX XXXX, XXXX, Wisconsin, prior to my move to Georgia in XX/XX/XXXX. XXXX XXXX credit report # XXXX, reveal my Wisconsin employment with the City of XXXX, Wisconsin but nothing is mentioned that I paid off my mortgage at XXXX XXXX XXXX, XXXX, Wisconsin. Yet, my credit history has never revealed this payoff, never revealed my accurate credit history. My credit score has never changed from 400-500, until XX/XX/XXXX, with the numerous inquiries by XXXX XXXX and the credit bureaus scheming with XXXX XXXX to alter my credit score now- because they know I am reaching out to XXXX XXXX XXXX to seek the federal governments aid in this entire matter.
From my submissions, you can see that I filed numerous complaints, over several years, with all three credit bureaus, with no resolution and with all three credit bureaus ignoring all of my complaints against XXXX XXXX, et al, XXXX, XXXX and especially IRS, for their numerous tax liens filed against me in XXXX County Georgia for many years, including a fraudulent garnishment of my wages back in XX/XX/XXXX.
As stated above, in XX/XX/XXXX, XXXX XXXX, et al, made numerous hits to my credit file, without my knowledge or legal authority to do so. My credit score went up to XXXX as stated by the screen shot attached from XXXX. XXXX increased my credit score on XX/XX/XXXX. I did nothing to receive this increase in XX/XX/XXXX.
Since the civil conspiracy against me, is still ongoing, all parties mentioned, as well as other entities and individuals, not yet mentioned, are all equally liable- up to the completion of the last illegal act in the perpetrated civil conspiracy against me which is still ongoing to this date.
This complaint follows my two previously submitted complaints on XXXX and XXXX to CFPB and CFPB Ombudsman. It appears the conspirators are illegally, by electronic means, interfering with this complaint process, as well. Whereby, electronic data manipulation is evident and I will continue to do everything in the powers that God has given me to expose the cult and their electronic data fraud. I have been the target of electronic data manipulation for years but I gained accurate knowledge of the cult like activities while I was employed at XXXX XXXX XXXX. It was at the center that XXXX targeted me by manipulating my data from XX/XX/XXXX to present.
I am requesting an investigation on all three credit bureaus on all stated matters, relating to my credit history and credit score being illegally altered, and deliberately kept at a low credit score since the early XX/XX/XXXX. This credit conspiracy against me, has resulted in poor credit ratings, denial of credit and denial of sustainable employment, spanning many years back. I also request that each individual, employed within all three credit bureaus, who are involved in this civil conspiracy, be held accountable, along with XXXX, who appear to be leading the electronic data manipulation conspiracy upon the " world '', It appears their electronic data manipulation has gone undetected and under the radar of government agencies, until NOW.
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01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely XXXX that I might XXXX day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the XXXX, FCRA, XXXX PRIVACY RULE, XXXX, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single XXXX even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff XXXX XXXX XXXX XXXX should I forward into a civil complaint } or with the entity XXXX XXXX XXXX that allegedly issued against me the defaulted line of credit XXXX XXXX ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of XXXX XXXX statement of claim XXXX XXXX ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff XXXX XXXX ) or with the entity XXXX XXXX XXXX that allegedly issued me the defaulted line of credit XXXX XXXX ) or derogatory claims of credit.
XXXX XXXX FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt XXXX XXXX ), and or otherwise derelict documentation of claim XXXX XXXX ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge XXXX XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
XXXX XXXX As it stands, until XXXX XXXX, the complaining to-be Plaintiff XXXX XXXX ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff XXXX XXXX ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt XXXX XXXX ) or delinquencies of debt alleged in above noted claim XXXX XXXX ), perfect and prove-able compliance of collection actions related to claim XXXX XXXX ), and compliance of reporting actions related to claim XXXX XXXX ) ... ... ... ... ... ... ..
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07/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely XXXX that I might XXXX day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the XXXX, FCRA, XXXX PRIVACY RULE, XXXX, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single XXXX even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff XXXX XXXX XXXX XXXX should I forward into a civil complaint } or with the entity XXXX XXXX XXXX that allegedly issued against me the defaulted line of credit XXXX XXXX ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of XXXX XXXX statement of claim XXXX XXXX ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff XXXX XXXX ) or with the entity XXXX XXXX XXXX that allegedly issued me the defaulted line of credit XXXX XXXX ) or derogatory claims of credit.
XXXX XXXX FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt XXXX XXXX ), and or otherwise derelict documentation of claim XXXX XXXX ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge XXXX XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
XXXX XXXX As it stands, until XXXX XXXX, the complaining to-be Plaintiff XXXX XXXX ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff XXXX XXXX ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt XXXX XXXX ) or delinquencies of debt alleged in above noted claim XXXX XXXX ), perfect and prove-able compliance of collection actions related to claim XXXX XXXX ), and compliance of reporting actions related to claim XXXX XXXX ) ... ... ... ... ... ... ..
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07/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely XXXX that I might XXXX day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the XXXX, FCRA, XXXX PRIVACY RULE, XXXX, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single XXXX even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff XXXX XXXX XXXX XXXX should I forward into a civil complaint } or with the entity XXXX XXXX XXXX that allegedly issued against me the defaulted line of credit XXXX XXXX ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of XXXX XXXX statement of claim XXXX XXXX ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff XXXX XXXX ) or with the entity XXXX XXXX XXXX that allegedly issued me the defaulted line of credit XXXX XXXX ) or derogatory claims of credit.
XXXX XXXX FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt XXXX XXXX ), and or otherwise derelict documentation of claim XXXX XXXX ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge XXXX XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
XXXX XXXX As it stands, until XXXX XXXX, the complaining to-be Plaintiff XXXX XXXX ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff XXXX XXXX ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt XXXX XXXX ) or delinquencies of debt alleged in above noted claim XXXX XXXX ), perfect and prove-able compliance of collection actions related to claim XXXX XXXX ), and compliance of reporting actions related to claim XXXX XXXX ) ... ... ... ... ... ... ..
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03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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RE : Accounts Below Listed - XXXX. XXXX XXXX - XX/XX/XXXX Late Payment XXXX. BEST XXXX - XX/XX/XXXX Late Payment XXXX. XXXX XXXX - XXXX XXXX to XX/XX/XXXX XXXX Payments XXXX. XXXX XXXX XXXX - XX/XX/XXXX to XX/XX/XXXX Late Payments XXXX. XXXX - XX/XX/XXXX Late Payment I, XXXX XXXX XXXX XXXX XXXX this Notice as the Subrogee and Obligor, I am formally requesting that you immediately remove any late payments associated with this above-referenced account. As I am currently doing my due diligence process to ensure all guidelines are being met by Equity Doctrines, TILA, Dodd-Frank Wall Street Reform and Consumer Protection Act, and the Consumer Financial Protection Act of 2010. While this is taking place it is completely unlawful to report an account as being late. Please adhere to Title 15 U.S.C. 1666 ( a ) and 1666 ( b ). No consent has been given for adverse reporting by the surety.
Take Notice. The undersigned natural person as Surety and Trust Beneficiary, XXXX XXXX XXXX swear and declare as follows under a penalty of perjury : This notice is regarding relation in regards to Suretyship between myself and the Principal Debtor assumed name XXXX XXXX, and your organization as implied Trustee. I invoke my equitable right of subrogation regarding this debt and seek restitution. In addition, this notice is also regarding the participation in a consumer credit transaction and not a loan ; pursuant to 15 U.S. Code 1602 ( i ) ; No proof of original contract and signature, no valid debt verification, no evidence of itemized billing to distinguish finance charge, and no proof of authority to collect debt in the state of North Carolina has been received, after mailed information requests for said information. No evidence that a commercial and economic loss on the balance sheet has been provided by the listed accounts 1-11, to rectify this matter and it has yet to be resolved.
Take Notice. Any Government collections such as student loans by anyone must abide by Fair Debt collection requirements for government contracts and government-owned debts. Title 31 U.S. Code 3718 ( b ) ( 6 ) provides ( 6 ) Notwithstanding the fourth sentence of section 803 ( 6 ) of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692a ( 6 ) ), a private counsel performing legal services pursuant to a contract made under paragraph ( 1 ) of this subsection shall be considered to be a debt collector for the purposes of such Act.
Take Notice. In Newby v. Enron Corp., 188 F. Supp. 2d 684 ( S.D. Tex. 2002 ) the Court held that federal courts have the equity jurisdiction that was exercised by the English Court of Chancery " `at the time of the adoption of the Constitution and the enactment of the original Judiciary Act, 1789 ( 1 Stat. 73 ). ' '' Id. at 318, 119 S. Ct. 1961 ( quoting DOBIE, HANDBOOK OF FEDERAL JURISDICTION AND PROCEDURE 660 ( 1928 ) ). The Court further noted that regardless of the merger of the formerly separate courts of law and equity by the Federal Rules of Civil Procedure, " `the substantive principles of Courts of Chancery remain unaffected. ' '' Id. at 322, 119 S. Ct. 1961 ( quoting Stainback v. Mo Hock Ke Lok Po, 336 U.S. 368, 382 n. 26, 69 S.
Ct. 606, 93 L. Ed. 741 ( 1949 ) ).
Take Notice. Equitable Subrogation is forward looking rooted in the equity maxim... equity regards done what ought to be done. Equitable subrogation is not founded upon contract, but is the creation of equity, and is enforced solely for accomplishing the end of substantial justice. It is the mode by which equity adopts to compel the ultimate payment of a debt by one who, in justice and good conscience, ought to pay. Equity delights in equality. Equity will not suffer a wrong without remedy. Equity will not allow a statute to be used as a cloak for fraud.
Take Notice. " The same equity which seeks to prevent unearned en-richment of one party, at the expense of another, by actions for reimbursement, con-tribution, and exoneration, operates here, by creating a relation somewhat analogous to a constructive trust, in favor of the subrogee, or party making the payment, in all legal rights held by the creditor, and the subrogee may proceed to enforce the trust. '' 5 POMEROY, EQUITY JURISPRUDENCE, 4th ed., sec .
2343 ( 1919 ). Lackawanna Trust Co. v. Gomeringer, 236 Pa. 179, 84 Atl. 757 ( 1912 ).
Pomeroy has had in this respect a profound influence on American courts who were evidently led to conceive of sub-rogation as but another remedy for unjust enrichment ; but the early cases will hardly support sc ) broad a statement. The similarity between liens and subrogation is obvious where subrogation results in a lien. But the similarity to which we here refer lies both in the equities upon which such relief is based and in the method of enforcement.
Take Notice. Subrogation the substitution of one ( person ) in the place of another with reference to a lawful claim, demand, or right, so that he or she who is substituted succeeds to the rights of the other in relation to the debt or claim, and its rights, remedies, or securities.
Subrogation. ( n.d. ) A Law Dictionary, Adapted to the Constitution and Laws of the United States. By John Bouvier ( 1856 ) Take Notice. The substitution of one thing for another, or of one person into the place of another with respect to rights, claims, or securities. Subrogation denotes the putting a third person who has paid a debt in the place of the creditor to whom he has paid it, so as that he may exercise against the debtor all SUBROGATION SUBSTANTIAL DAMAGES, the rights which the creditor, if unpaid, might have done. The equity by which a person who is secondarily liable for a debt, and has paid it, is put in the place of the creditor, so as to entitle to make use of all the securities and remedies possessed by the creditor, in order to enforce the right of exoneration as against the principal debtor, or of contribution against others who are liable in the same rank as himself.
XXXXee Blacks Law Dictionary 2nd Edition Take Notice. Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card and the attached records to SS account ending 4719. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.
Take Notice. Title 15 U.S. Code 1611- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Take Notice. Title 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Take Notice. Title 15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Notice to Agent is Notice to Principal - Notice to Principal is Notice to Agent.
I declare under a penalty of perjury the aforementioned statement to be true and accurate to the best of my knowledge.
XXXX XXXX XXXX XXXX XXXX XXXX Person, Consumer, Subrogee XXXX XXXX XXXX XXXX XXXX, NC XXXX
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of XXXXXXXX debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff XXXX XXXX XXXX XXXX should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit XXXX XXXX ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim XXXX XXXX ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff XXXX XXXX ) or with the entity XXXX XXXX XXXX that allegedly issued me the defaulted line of credit XXXX XXXX ) or derogatory claims of credit.
XXXX XXXX FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt XXXX XXXX ), and or otherwise derelict documentation of claim XXXX XXXX ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge XXXX XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
XXXX XXXX As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff XXXX XXXX ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff XXXX XXXX ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt XXXX XXXX ) or delinquencies of debt alleged in above noted claim XXXX XXXX ), perfect and prove-able compliance of collection actions related to claim XXXX XXXX ), and compliance of reporting actions related to claim XXXX XXXX ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of XXXXXXXX debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff XXXX XXXX XXXX XXXX should I forward into a civil complaint } or with the entity XXXX XXXX XXXX that allegedly issued against me the defaulted line of credit XXXX XXXX ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim XXXX XXXX ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff XXXX XXXX ) or with the entity XXXX XXXX XXXX that allegedly issued me the defaulted line of credit XXXX XXXX ) or derogatory claims of credit.
XXXX XXXX FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt XXXX XXXX ), and or otherwise derelict documentation of claim XXXX XXXX ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge XXXX XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
XXXX XXXX As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff XXXX XXXX ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff XXXX XXXX ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt XXXX XXXX ) or delinquencies of debt alleged in above noted claim XXXX XXXX ), perfect and prove-able compliance of collection actions related to claim XXXX XXXX ), and compliance of reporting actions related to claim XXXX XXXX ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely XXXX that I might XXXX day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the XXXX, FCRA, XXXX PRIVACY RULE, XXXX, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single XXXX even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff XXXX XXXX XXXX XXXX should I forward into a civil complaint } or with the entity XXXX XXXX XXXX that allegedly issued against me the defaulted line of credit XXXX XXXX ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of XXXX XXXX statement of claim XXXX XXXX ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff XXXX XXXX ) or with the entity XXXX XXXX XXXX that allegedly issued me the defaulted line of credit XXXX XXXX ) or derogatory claims of credit.
XXXX XXXX FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt XXXX XXXX ), and or otherwise derelict documentation of claim XXXX XXXX ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge XXXX XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
XXXX XXXX As it stands, until XXXX XXXX, the complaining to-be Plaintiff XXXX XXXX ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff XXXX XXXX ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt XXXX XXXX ) or delinquencies of debt alleged in above noted claim XXXX XXXX ), perfect and prove-able compliance of collection actions related to claim XXXX XXXX ), and compliance of reporting actions related to claim XXXX XXXX ) ... ... ... ... ... ... ..
|
09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I hope this letter finds you in good health. I am writing to request your assistance in addressing a matter that has had a profound and distressing impact on my life. I seek your intervention and enforcement of my legal rights in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
**Violation 1 : Failure to provide a valid reason for the requested removal. ** Over the past months, I have been tirelessly working to resolve inaccuracies in my credit report. The unverified accounts reported by several creditors have severely affected my ability to secure financing, obtain housing, and even secure employment. This has been more than a financial burden ; it has been an emotional and psychological ordeal.
1. XXXX XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 2. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 3. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 4. XXXX XXXX XX/XX/XXXX - Account number XXXX XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 5. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 6. XXXX XXXX SC - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 7. XXXX XXXX XX/XX/XXXX - Account number XXXX XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 8. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 9. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 10. XXXX XXXX XXXXXX/XX/XXXX XXXX Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 11. XXXX XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 12. *XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 13. XXXX XXXX XXXXXX/XX/XXXX - Account number : XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 14. XXXX XXXX XXXX XXXX XX/XX/XXXX - Account number XXXX XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 15. XXXX XXXX XXXX XXXX XX/XX/XXXX - Account number : XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 16. XXXX XXXX | XX/XX/XXXX - Account number : XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 17. XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 18. XXXX - Account number : XXXX - Violation : Duplicate entry ; listed twice.
- FCRA Violation : Accuracy and completeness of the information.
19. XXXX - Account number : XXXX - Violation : Duplicate entry ; listed twice.
- FCRA Violation : Accuracy and completeness of the information.
I want to share with you a personal story to underscore the emotional toll this situation has taken on my life. Last year, I applied for a mortgage to fulfill my lifelong dream of owning a home for my family. However, due to these inaccuracies in my credit report, my mortgage application was denied, and my dream was shattered. I had to explain to my young children why we couldn't move into the house they had eagerly anticipated as our new home. The disappointment in their eyes was heartbreaking.
I have spent countless hours on the phone, writing letters, and submitting disputes to correct these inaccuracies to no avail. My financial future, my family 's well-being, and my mental health have all suffered as a result of these unverified accounts and duplicate entries on my credit report.
In light of the aforementioned violations and the profound impact on my life, I kindly request that you take swift and decisive action to enforce my legal rights under the FCRA and FDCPA. Specifically, I urge you to compel the creditors to remove these unverified accounts from my credit report, thereby restoring my financial stability and peace of mind.
I appreciate your attention to this matter and your commitment to protecting consumer rights. I am hopeful that your intervention will bring about the resolution and justice I so desperately seek.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
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05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
2. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
3. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
4. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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03/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
I purchased a XXXX XXXX XXXX with XXXX XXXX, XXXX, AK in XX/XX/XXXX. The loan was financed with XXXX XXXX. In XX/XX/XXXX XXXX XXXX contacted me to solicit me for a test drive in exchange for a free turkey from a local shop in XXXX. I agreed to the test drive since I was interested in trading in my car for something that was co-titled with my son, XXXX XXXX. XXXX had become the primary driver when he started college in XX/XX/XXXX, of the original XXXX purchased in XXXX. A traced-in was executed XX/XX/XXXX on a XXXX XXXX XXXX XXXX XXXX with the new loan also financed with XXXX under XXXX. XXXX and I signed the paperwork. Part of the deal was my aftermarket studded winter tireIs would be removed from my the XXXX XXXX and placed on the XXXX XXXX. I had to get the sales manager involved to get the service department to execute this. I took the XXXX in roughly o n XX/XX/XXXX. I can verify this with phone records to get an exact date and time because XXXX XXXX service called mem and informed me they were going to have to give me a free set of new tires as my XXXX XXXX XXXX had already been sold by the dealership with my tires still on the vehicle. I had to approve the brand and change in the contract. I did and accepted the new tires in lieu of my personal aftermarket ones which had been sold with my vehicle.
On XX/XX/XXXX, and continuously between XX/XX/XXXX and XX/XX/XXXX I kept in contact with XXXX XXXX as they starting sending me late notices on the XXXX XXXX loan. I had contacted XXXX XXXX immediately on the day of trade in to let them know I had traded in the vehicle, was cancelling the auto insurance policy effective immediately and refinancing the pay-off into a new loan with them, as there was a small amount of negative equity to be rolled into the new auto loan for the XXXX XXXX XXXX XXXX. The new loan reported initially ( and still is reporting ) for XX/XX/XXXX on the new XXXX XXXX XXXX XXXX purchased at XXXX XXXX, XXXX, AK, on both my and XXXX XXXX credit report. I informed XXXX I was not going to issue a payment on a loan that had been rolled into another loan and closed out. XXXX continued to insist the loan payoff had not been received from XXXX XXXX. On XX/XX/XXXX I received a credit change notice from my credit monitoring system with XXXX of a late payament greater than 30 days being reported by XXXX XXXX for the original XXXX XXXX XXXX loan. I immediately called XXXX about the reporting. On XX/XX/XXXX I was told by XXXX XXXX they had not received the payoff from XXXX XXXX and in fact I was accused by the customer service representative of not actually having traded in vehicle and was skipping on payments for a car still in my possession. I contacted XXXX XXXX, who provided me with the documents showing the loan initiated, pending and executed by XX/XX/XXXX. I was also given the trace number and proof of check made to XXXX XXXX. XXXX XXXX still refused to annotate or correct the reporting. During XX/XX/XXXX I had 2 open accounts with XXXX XXXX with one being reported late and open with a balance due in excess of $ XXXX. I also had a new loan showing open with XXXX XXXX in XX/XX/XXXX with a balance in excess of $ 35K. This loan showed up on my son, XXXX XXXX ', reports as well as a new loan in good standing. I have disputed this item directly with XXXX XXXX many times. The legal assistance attorney from XXXX XXXX XXXX XXXX, where I am authorized services as a military retiree, also wrote a demand letter of correction after reviewing all the documentation. I have filed a XXXX XXXX XXXX complaint. I even took the XXXX XXXX XXXX back to XXXX XXXX and turned it in as I felt they, and XXXX XXXX were in breach of the original contract. I placed a stop payment on the $ XXXX down payment. When I returned the car and notified XXXX XXXX of the stop payment on the down payment the General Manager, XXXX, called me for his personal cell to my personal cell. He told me he would fix it. I spoke with the legal assistance attorney and was advised it was ok to pick up the car as it was mine regardless of the stopped payment. I arranged with XXXX to retrieve the XXXX XXXX from the XXXX XXXX lot. My credit report was fixed to " paid, never late '' but still open with a balance pending for about 9 dyas. Then it within 24 hours of my arranging to bring in a cashiers check for the down payment of $ XXXX, my personal credit report with XXXX XXXX changed again to late for XX/XX/XXXX, late for XX/XX/XXXX and with a repossession on it. This was worse than when I started. I emailed the sales manager at XXXX and stated I was not going to reissue the down payment as the problem which they had originated as the dealership was not fixed and in fact was worse then when I originally asked them to fix it. In addition to all this, I received 2 calls from XXXX and XXXX XXXX on XX/XX/XXXX. This was how I found out XXXX and XXXX were the same finance lender. I received these calls at work on my desk phone. I have the records. One verified my employment and the loan information with me. The second call was when I found out XXXX and XXXX were the same company and that the new loan had been approved as financed in full. This left me with the distinct impression the old loan was paid off by the new loan being executed and funded per the representative. I was even told I would see it on my credit report soon under XXXX XXXX on these calls. I have records of all transactions, phone calls, sales receipts, emails, etc. I can provide upon request. I have already provided this to the BBB, XXXX XXXX, XXXX XXXX ( who provided me quite a bit of it originally ), and the credit bureaus repeatedly. I just submitted the disputes yesterday with the credit bureaus again. Only through repeated credit bureau disputes did XXXX XXXX finally report the loan on the orignal XXXX XXXX as paid and closed as of XX/XX/XXXX. That is a physical impossibility if the new loan had to pay off the old loan and the new loan was executed in XX/XX/XXXX ; not ot mention my XXXX XXXX XXXX was sold by the dealership in XX/XX/XXXX and the check of final payment was cashed by XXXX XXXX AND cleared through the dealerships bank account completely by XX/XX/XXXX. XXXX XXXX hs denied the calls on XX/XX/XXXX even though I have provided them copies from my work phone records of both calls. THey have denied my phone calls to them even though I have phone records. Now XXXX XXXX XXXX of XXXX is contacting me for the $ XXXX down payment or they are threatening credit bureau reports and collection action. When I originally went into trade in the vehicle I informed XXXX XXXX that it was important no negative impact was on my credit report as I was initiating escrow to purchase a home. Because of the actions by XXXX XXXX and XXXX XXXX my escrow application was ultimately denied due to the 43 poi9jnt drop in my credit score from the late report. The inaccurate debt-to-income ratio also has affected me negatively and prevented me from entering into a new escrow deal when compounded with the negative report that is completely inaccurate. I am already just recovered from a terribly devastating divorce. This was why I financed with XXXX XXXX and XXXX XXXX originally. I had no other options. But my good actions had resulted in a 9 % point decrease in the offered interest rate as well as placed the primary driver on the title and loan. The incompetence, refusal to correct and downright malfeasance and fraudulent behavior by XXXX XXXX has had a tremendously detrimental effect on my life. It essentially lost me a house. Additionally, XXXX XXXX 's sitting on the payment ( according to XXXX XXXX ) for almost 2 weeks after they had already sold my XXXX XXXX ( with my personal property on it ) makes them both culpable and liable, as well as in breach of their contract with me for the $ XXXX down payment. I can provide copies of all documents via FAX, SCAN or hard copy upon request.
Names are on loan : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), AK XXXX my phone number is XXXX email is XXXX Thank you.
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08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have already filed a complaint with Equifax, XXXX, and XXXX and their response was that they could not find me in their system or other excuses to further delay the process of them doing there job. However, I pay them all {$30.00} a month to monitor my credit so I find that really strange that they arent able to find me in their system under my Social Security number or they are needing more time, or a hundred other excuses that they have used mean while my life is being severally impacted by there lack of awareness and want to do anything to correct an issue that they are now aware of and orginally allowed to happen ... .. nevertheless.
I am trying for probably the 10th time to get them to respond to what I need removed from my credit report due to fraud. My identity has been stolen more than once. I have filed with the federal trade commission. I have changed my Drivers License and I dont want to but I am closet to changing my Social Security Number leaglly with the IRS who i have already had a meeting with and was told they would allow me to due to the severity of the case.
I have also made other formal complaints to Equifax, XXXX, & XXXX and I have made complaints on the CFPB websote. However, the response is always something that is not complete, nor makes any sense because I am able to find myself in their system, and so are other lenders when I go to apply for credit and everyone else is able to see these fraudulent items on my credit report without problem but then when I bring it up to the 3 reporting agencies needing it removed they act like they can not work there own system and take the time to corrrect it they just allow there automated systems to generate slow repsonses that drag on the process and ignore the issue becuase they dont want to take the time to remove the items.
Over all the student loans that are listed on my credit report are from fraud and even the orginator of the loans can see this. They have removed me from the loans and when you go to there website and search with my SSN Number to see what all loans are there under my name there are none anymore. They where able to see that the signature on the loans are not mine and some of them are not even signed. Also, you can see when and where i was actually in school at the time because I recieved other financial aid through government funding that was FREE money in the form of grants becasue i grew up poor ... ..not STUDENT LOANS and that money paid all of my schooling, books, and room/board. On top of that i receieved XXXX XXXX to pay fo the rest. The school and FASFA would not of even allowed me to take out these loan as there was no debt owed at the start or end of any of the semesters of school for me to of even been ablet to qualify for that amount of student loan dollar amount taken out.
The servicer of the dents orginally took me off of the loans... Then when realizing it was fraud and in a last ditch effort to save them money sold the dent under someone elses name, I am assuming the would be purpotrator.
So not only are you reporting debts that are no longer tied to my SSN by the orginal creditor but you are also reporting denbts under the wrong compnay.
These need to be removed immediatlry. I have asked enough time that it is time you do something! I do not want to have to sue you over this but I will. I can not have this ruin and control my life like it has for so long already. Please remove any and all of the items that I have listed below. I can prove that I was not living in the same state as these lines of credit and loans were taken out at the time. I have spoken to the companies that have backed these loans and they can clearly see that my Social Security number is not the one that is attached to them especially on the student loan side. All of the dents listed below do not have my signture on them and some haveno signature at all. Some of these dents have already been taken off of some XXXX, equifax and XXXX and some of them have not. But every singel one of them needs to come off of all 3 of the credit beures. I have spoken to all of the creditors and they agree. They even agree that some of them have the wrong dates and have passed the statue of limitations 3-5 years in the state of oklahoma where i reside.
The perpetrator paid on these loans for period of time in order for it to not look suspicious before he or she ran off on the loans and stopped paying. However they stopped paying these way back in XXXX, and i did not notice them or have the means to fix them until recently. There has also been other dates friom fraud that i have had removed. That where similar.
However, I need these removed immediately from my credit report. They are wreaking havoc on my overall financial health and my life. This is a response to the original response to my request that my identity has been stolen more than once. I do not know if it was by the same person or a different person. However, they have taken out many of loans and fraudulently paid on some of these loans, even though they had taken them out on these loans include vehicles, student loans, credit cards and lines of credit for things like XXXX, etc.
I have contacted and spoken to them as I see that you have not. I have called XXXX and the account number is not mine, the signature is not mine. The same goes for the signature and the ourt documents from the XXXX reposession ( THIS HAS ALREADY BEEN REMOVED FROM XXXX AND NEEDS TO BE REMOVED FROM EQUIFAX AND XXXX ) If you had talked to these compnaies and the student loan servicing compnay you would know that my Social Security number is not the one listed on the loan documents and I did not go to those colleges and take out those loans.
I can prove that I was living in different state than those loans originated in during those times. I have spoken to this matter with XXXX, and the other servicer and they have taken me off of the loans on their side.
However, I need you guys to remove them off of my credit report, as well as a vehicle that was fraudulently listed and taken out by a line of credit in my name from XXXX and I guess was later recovered and charged off by them, as well as a line of credit for a XXXX.
Some of these lines of credit have been paid on for a period of time. I believe that the perpetrator who stole my identity paid on them, so that way they were not be any suspicion around the initial loan generation. But that was over 7 years ago when the last payemnt took place.
Please remove any and all of the debts I have listed below, these deaths do not belong to me, and they are controlling and disrupting my life to a great matter. I did not give permission for you guys to list these in your database, and I also am not the guarantor of these loans or lines of credit they need to be removed immediately and not placed back on to my report under my Social Security number, In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Online In Service Account : : XXXX XXXX : XXXX : : XXXX : XXXX : : Department of Ed/XXXX- XXXX Department of EdXXXX XXXX Department of EdXXXX XXXX Department of EdXXXX ; XXXX ; Department Education XXXX Department of EducationXXXXXXXX Department of Education XXXX 15 U.S.C 1681 Section 602 A , states that I have the right to privacy . 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information in inaccurate.
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06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXX XXXX Account to provide my personal information to XXXX, XXXX XXXX, Equifax, XXXX, XXXX XXXX, XXXX.
Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY.
I never gave XXXX XXXX XXXX the permission to which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Since this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.
If XXXX XXXX XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.
15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) Block- Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX
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04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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BILLING ERROR DISPUTE FCBA XXXX Claims as of XX/XX/XXXX, Substantial Intentional Misrepresentation/ Bad Business Practices : XXXX XXXX continues to Assert False Claims while failing to provide evidence other than a false billing statement. The only evidence that can validate this " alleged debt and justification for the Administrative Chargeback '' is PROOF that I indeed breached the contract regarding Early Termination. XXXX XXXX has NEVER provided this evidence. However, I have successfully proven that it proves this merchant 's fraudulent and deceptive business practices increase revenue and extort profits.
XXXX XXXX continues to assert that the charges were valid due to the early termination of my service before the promotional expiration period in breach of contract, justifying the chargeback of the gift card and outstanding debt of {$170.00}. My documents prove that I satisfied the requirements to earn the promotional gift card, with an open account date of XX/XX/XXXX, verified by contract and XXXX hard inquiry credit check. My attached evidence proves I had service-connected for the minimum 90 days UNDER A PREPAID NO ANNUAL CONTRACT TERMS OF THE {$450.00} BYOD promotion from XXXX XXXX. Any reference to current terms and conditions of their promotional gift cards is irrelevant and does not apply to this case. See attached. Finally, this misrepresentation has denied my Due Process and Expeditious review of my arbitration claim.
Accordingly, I maintain my False Claims and FCRA violation assertions, and I. Breach of contract means that the company made you a promise ( either verbally, through a contract, or implied in their actions ) and then did not live up to that promise.
1. include making it hard for you to receive some benefit of a deal or promotion with the company 2. the company tries to charge fees or impose requirements hidden in the fine print so you wouldnt know they were there.
I was wrongfully and deceptively charged back for adjusted rebate promotion credits which were used in Good Faith and accordance and compliance with XXXX XXXX XXXX XXXX regarding acceptable use of gift cards ( promo rebate ), resulting in an outstanding balance, referral to the credit agency, punitive charges, in contravention of the predefined policy and violation of my customer rights.
As of today, XX/XX/XXXX, XXXX HAS PRODUCED NO EVIDENCE TO SUPPORT OR VALIDATE THE EFT CHARGES. Additionally, when requested by the FCC, XXXX asked for an extension of 14 days to produce these documents. Despite my repeated disputes, NO ONE GAVE ME AN EXTENSION before O NEGATIVE REPORTING TO CREDIT BUREAUS NOR SENDING ME TO COLLECTIONS DURING THE BILLING DISPUTE PROCESS.
[ FCC Consumer Inquiries and Complaints ] Re : False Credit Billing and FCRA Violation Complaint against XXXX ________________________________________ FCC XXXX Tue, XXXX XXXX, XXXX, at XXXX AM Reply-To : FCC XXXX To : XXXX XXXX XXXX # # - Please type your reply above this line - # # This ticket ( # XXXX ) has been updated.
Hi XXXX, Your carrier has requested an extension of time to respond to your complaint. The Commission has granted your page a 14-day extension to respond to your complaint.
Once we hear back from your carrier, we will reach out to you again.
Thank you for your submission.
THE FACTS REMAIN AS FOLLOWS : My account closure directly results from network incompatibility of an upgraded device on the network after replacing a lost phone and limited options and need for a phone. After repeated attempts to present the contradicting XXXX regarding gift card acceptable use, I am therefore forced to submit this Notice of Dispute.
On XXXX, XXXX XXXX XXXX representative XXXX sent an email stating that my dispute had been denied and that no additional concessions would be made when no concessions have been made to date, and XXXX failed to honor the XXXX that they defined. When entering this contract, I agreed before porting services out with a {$0.00} balance and a {$130.00} credit balance. I was directed contact XXXX XXXX XXXX to discuss payment options, where I again petitioned for reconsideration and was presented with a settlement that included the following provisions : 1. Add the IMEI number to the database 2. Gather account details 3. Call to discuss port and favorable incentive to return to XXXX XXXX.
On XXXX, XXXX XXXX XXXX Department representative, Al ref # XXXX, reneged on our verbal agreement on the recorded line, breached the terms of the deal, and punitively sent me to collections.
On XXXX, I received notice of debt collections. On XXXX, I spoke with XXXX at XXXX, where he would have the back office investigate the miscommunication and follow up with me. No action has occurred, and I have until XXXX to dispute the creditor.
FCBA COMPLAINT VIOLATION CHARGES XXXX XXXX, XXXX, Equifax, and XXXX violate the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601-1667f, and the Truth in Lending Act 's ( TILA ) unauthorized use provision, 15 U.S.C. 1643, Within 60 days of receipt of a written notice of error, the FCBA requires a creditor to 1 ) acknowledge receipt of the dispute in writing within 30 days ; and 2 ) within two billing cycles, or no later than 90 days, either correct the account or investigate, and provide a written explanation as to why the statement is correct.
By its acts and practices as hereinabove described, the Respondents have violated the FCBA as follows, without limitation : a. By failing to make appropriate corrections on credit account ending.
b. By committing multiple billing errors ; and c. By failing to conduct a reasonable investigation.
By its acts and practices as hereinabove described, the Respondents have violated the TILA as follows, without limitation : a. By failing to make the proper allocations, adjustments, and timely credits to Plaintiffs account.
b. Violated the compliance requirements under the FCBA billing errors dispute and investigation process As a result of their unlawful conduct, I spent countless hours, often missing work, communicating with several agents and supervisors, and became increasingly worried and confused by the misinformation provided by XXXX XXXX and three credit reporting agencies.
After undergoing XXXX and still aggrieved by this unresolved ongoing billing dispute, I grew more stressed and aggravated by the Respondents inability to coordinate a resolution and suffered sleepless nights and anxiety due to the Respondents unfair, deceptive, and abusive practices.
The Respondents are liable for statutory penalties and actual damages sustained due to the Respondents ' violations of the FCBA and TILA and attorneys ' fees and costs and fines for the delay. denial of due process during the arbitration process in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 RESOLUTION SOUGHT 1. CONSUMER REDRESS 2. INJUNCTIVE RELIEF due to substantial misrepresentations during Arbitration Process to delay and deny expedited due process and resolution before adverse action and physical, emotional, and economic injuries sustained by me ( Complainant ) Case # XXXX XXXX XXXX 3. Full enforcement, protection, and damages under CFPB, FTC, AND FCC LAWS 4. Investigation into UDAAP violations and review of business practices to confirm compliance with the law ( Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 ) 5. Make account and credit reporting corrections 6. DELETE THE CREDIT COLLECTIONS ACCOUNT FROM ALL 3 REPORTS 7. Reimbursement for payments made erroneously based upon inaccurate billing, collections harassment, and coercion and extortion resulting from FCRA violations and adverse credit reporting 8. Damages for emotional, physical, psychological stress and duress resulting from XXXX Substantial Misrepresentations of UDAAP practices, and failure to provide accurate and reliable information 9. Punitive damages ( penalties and fees ) up to a maximum of {$10000.00} for continuing to engage in unfair acts or practices in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536.
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09/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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As ONE consumer, I am sick and tired of companies collecting my data and NOT protecting it, allowing it to be breached, and then waiting so long to eventually disclose and then still offer no support or assistance. Why should this company be allowed to house and process my data without my consent and NOT secure it? Unacceptable!!
-- -- U.S. consumers hearing the news yesterday of a massive Equifax data breach, which the company revealed potentially affects 143 million consumers, and includes data such as names, addresses, dates of birth, social security numbers, drivers licenses and for a subset of hundreds of thousands credit card information too, not only had to contemplate the horrendous scale of the thing.
They were also left to grapple with an Equifax emergency response line that hung up on them, and an Equifax data breach help website that appears to raise a lot more questions than it answers not least the core consideration that its requiring desperately worried consumers to trust a company that has failed to protect their personal data with more of their personal data, by inputting it into a web form, just to check whether they might be affected by the breach.
And thats before you even consider whether Equifax is trying to use the sites terms of service to get users to waive their rights to bring a class action lawsuit against it as appears to be the case. Which would be spectacularly unclassy, to say the least.
The cherry on this unlovely layer cake is the fact the credit checking company states it found out about the breach on XX/XX/XXXX of this year while the unauthorized access apparently occurred from mid-XX/XX/XXXX through XX/XX/XXXX.
Which means its given itself well over a month before deigning to tell consumers their personal data might be in the hands of identity thieves.
That might not seem so bad if you compare it to the current biggest ( known ) data breaches affecting at least 500M XXXX accounts, and more than 1BN XXXX accounts which took place years before the company disclosed the intrusions to the public, although its not clear when exactly XXXX itself discovered the breaches.
Even so, 40 days remains an awfully long time for consumers to be kept in the dark about the fact their identities and other highly sensitive personal data might be being traded by hackers, used to compromise other services, and sold to spammers for targeted spearphishing attacks.
Equifax does not explain the length of time it took to inform the public about the breach. And yesterday said it will be writing directly to affected individuals, and is in the process of contacting state and federal regulators. So, very clearly, the company hasnt been spending any of the past 40 days warning affected individuals or informing data watchdogs that its systems had been breached.
The US does not currently have a federal law requiring companies to inform the public about data breaches, though one was proposed in XX/XX/XXXXunder President Obama which would have set a 30-day notification requirement, but it failed to get support.
And while the vast majority of states have enacted breach notification statutes of their own at this point, and some have stricter notification requirements than the XX/XX/XXXXproposal, others dont. Its a patchwork and therefore a lottery for U.S. consumers.
Over the pond in the European Union the story is different. A single breach notification standard for personal data was agreed at the end of XX/XX/XXXX and is set to come into force inXX/XX/XXXX, under the incoming GDPR ( General Data Protection Regulation ).
This will set a data breach notification bar across the bloc of not later than 72 hours after a data controller has become aware of an intrusion.
There are some caveats to this portion ( Article 33 ) of the regulation ( phrases like without undue delay and, where feasible, and some potential for exclusion based on the type of data being breached ( unless the personal data breach is unlikely to result in a risk to the rights and freedoms of natural persons ).
But the expectation is clearly that data controllers must disclose a personal data breach to a national supervisor data authority, at the very least, radically sooner than the 40 days later which Equifax reckons is an acceptable disclosure timeframe.
( While the type of data involved in the Equifax breach is clearly highly sensitive, so this incident would seem a very unlikely candidate for qualifying for a notification exemption under GDPR. ) Another change Europes incoming rules are bringing is a big stick to drive compliance for the new breach notification standard, as companies that do not comply with the new rules risk very stiff penalties for failing to do so.
In the case of non-compliance over breach notification, the GDPR gives data watchdogs the power to issue fines of up to 10M ( ~ $ 12M ) or up to 2 % of the total worldwide annual turnover of a companys preceding financial year, whichever is higher.
In Equifaxs case its XX/XX/XXXXoperating revenue was ~ $ XXXX. So under the GDPR regime the company might have faced a fine of around $ 62.9M if it hadnt reported this data breach multiple weeks sooner than it chose to. ( Indeed, its expecting its full year XX/XX/XXXXrevenue to be even higher, between $ 3.395BN and $ 3.425BN, so this theoretical fine inflates to as much as $ XXXX. ) Which does rather give pause for thought.
If youre a multinational corporation processing the personal data of EU citizens those sorts of figures probably send some rather large shivers down the CEOs spine.
Equifax does indeed have a European presence, and has also said that some UK consumers are affected by the breach writing yesterday that as part of its investigation it also identified unauthorized access to limited personal information for certain UK and Canadian residents, and adding : Equifax will work with UK and Canadian regulators to determine appropriate next steps. So if these events had been shifted just a few months into the future Equifax might well have been forced to handle the breach disclosure very differently or else it would be risking a very large fine under GDPR.
The question then would be, would it have informed the UK regulatory of the breach within 72 hours whilst continuing to keep U.S. data watchdogs and U.S. consumers in the dark? That wouldnt seem like great domestic PR.
The aim of Europes new rules is of course to encourage companies that collect and store consumers personal data not to treat the security of that data as an afterthought. And large fines for failure is certainly one way to grease the pipe of security spending among corporates.
As the UKs DPA warns on its website in an FAQ about the new breach notification rules : In light of the tight timescales for reporting a breach it is important to have robust breach detection, investigation and internal reporting procedures in place.
While an interesting potential side-effect of the new, tougher regime is whether it will end up forcing higher standards on non-European businesses, especially those in the U.S. given many do handle EU citizens data, and will therefore need to reconfigure their processes to meet the blocs new standard.
( The GDPR also expands the definition of what personal data is, and brings additional requirements such as a right for consumers to see what information is held about them and have it deleted on request so there are other big changes incoming. ) Weve reached out to Equifax in the UK for comment and will update this post with any response.
In a statement, the deputy commissioner of the UKs data protection watchdog, commissioner XXXX XXXX, told us : Reports of a significant data loss at US-based Equifax and the potential impact on some UK citizens gives us cause for concern. We are already in direct contact with Equifax to establish the facts including how many people in the UK have been affected and what kind of personal data may have been compromised.
We will be advising Equifax to alert affected UK customers at the earliest opportunity, he added.
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08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have disputed these items multiple times on my credit report for inaccurate information that the credit reporting agency is reporting on my credit report. They have refused to remove these items and correct my credit report. They have violated my rights and have not been compliant with the FCRA or the FDCPA. I have the following accounts reporting on my account as charged off which means this is canceled debt. The IRS defines charge off as ordinary income and filed a 1099-C. This should be removed immediately due to it's considered ordinary income so how can it be reported on my credit report as debt which makes it inaccurate? The creditors are supposed to send me a 1099-c to file as income on my taxes but nothing has been received if this is my debt. This is a violation of 15 U.S. Code 1681e ( b ). Please see the following accounts that are inaccurate and have violated my rights. These accounts also have other inaccuracies and are listed below and will need to be removed immediately. The time for updating is over and I demand that they are deleted immediately.
Account Name : XXXXXXXX XXXX Account Number : XXXX -Date opened different -Account Status Different -Balance Different -High Credit Different -Credit Limit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -last reported different -Last Date active different Account Name : XXXX XXXX Account Number : XXXX -Date opened different -High Credit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -Last Date active different Account Name : XXXX Account Number : XXXX -Open date different -High Credit Different -Last reported different -Last Date active different Account Name : XXXX Account Number : XXXX -Open date different -High Credit Different -Last Date active different Account Name : XXXX Account Number : XXXX -Open date different -High Credit Different -Last reported different -Last Date active different -Date of last payment different These accounts below have also been disputed and are violating my rights and the time for updating is over and I demand that they are deleted immediately. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately do so TODAY, even right NOW! I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with a PERMENANT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.
But can you please answer this one question. How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report.
Did you interview my neighbors?
Did you interview my friends?
Who did you talk to?
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active are not reporting the same information.
The obvious infractions are as follows : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX -Account Status Different -Open date different -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXX Account Number : XXXX -Open date different -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXX XXXX XXXX Account Number : XXXX -Date opened incorrect -High credit reporting differently -Last reported different -Date last active different Account Name : XXXX XXXX Account Number : XXXX -Date opened different -Reporting past due but listed as collection/chargeoff -Monthly payment different -Last Date active different Account Name : XXXX Account Number : XXXX -Date opened different -Account Status Different -last reported different -Last Date active different Account Name : XXXX XXXX Account Number : XXXX -Date opened different -Account Status Different -Balance Different -High Credit Different -Credit Limit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -last reported different -Last Date active different Account Name : XXXX XXXX Account Number : XXXX -Date opened different -High Credit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -Last Date active different Account Name XXXX XXXX Account Number : XXXX -Date opened different -Account Status different -No. of months ( term ) different -Payment Status different -Last Date active different Account Name : XXXX XXXX XXXX Account Number : XXXX -Account Status different -Balance Different -High Credit Different -Credit limit different -Reporting past due but listed as Collection/Chargeoff -No. of months ( term ) different -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXX XXXX Account Number : XXXX -Account Status different ( showing open account but also showing collection and past due ) -Reporting past due but listed as Collection/Chargeoff -Payment Status incorrect Account Name : XXXX XXXX Account Number : XXXX -Last reported different -Last Date active different -Date open different Account Name : XXXX Account Number : XXXX -Account Status Different -Open date different -Balance Different -High Credit Different -Credit limit different -Past Due different -Reporting past due but listed as Collection/Chargeoff -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXX Account Number : XXXX -Account Status Different -Open date different -Reporting past due but listed as Collection/Chargeoff -Last Date active different Account Name : XXXX Account Number : XXXX -Reporting past due but listed as Collection/Chargeoff Account Name : XXXX Account Number : XXXX -Account showing paid but late 30 days Account Name : XXXX XXXX Account Number : XXXX -Open date different -Monthly Payment different -Balance different -Last reported different -Last Date active different -Date of Last payment -Account has been Paid in full Account Name : Bankruptcy Reference Number : XXXX -Investigation stated that was verified through courts ( letter attached states they do not verify with any credit reporting agencies ) -Reference numbers reporting different -Court name different I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with a PERMENANT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.
But can you please answer this one question. How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report.
Did you interview my neighbors?
Did you interview my friends?
Who did you talk to?
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active are not reporting the same information.
You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i 15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681c2 15 U.S. Code 1681a ( 2 ) ( a ) ( i ).
15 U.S. Code 1681s ( a ) ( 1 ) ( a ) 15 U.S. Code 1681s-2 ( A ) ( B ) ( i ) ( ii ) 15 U.S. Code 1681s-2 ( A ) ( 7 ) ( a ) ( i ) Violation of the Fair Credit Reporting Act ( F.C.R.A ) Violation of the F.D.C.P.A.
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04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim XXXX XXXX ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
XXXX XXXX FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt XXXX XXXX ), and or otherwise derelict documentation of claim XXXX XXXX ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge XXXX XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
XXXX XXXX As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff XXXX XXXX ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff XXXX XXXX ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt XXXX XXXX ) or delinquencies of debt alleged in above noted claim XXXX XXXX ), perfect and prove-able compliance of collection actions related to claim XXXX XXXX ), and compliance of reporting actions related to claim XXXX XXXX ) ... ... ... ... ... ... ..
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09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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On XX/XX/XXXX I Had purchased a dog from a Breeder In XXXX Oregon I paid {$1500.00} for the dog. The Breeder told me that she would include all medical records along with her registration to the XXXX XXXX XXXX which when we arrived to XXXX which is a XXXX XXXX XXXX from XXXX the breeder had us meet her over to her parents house which i thought was odd but once we met she had the XXXX XXXX well groomed and she looked healthy she was alert and really cute so the breeder told me she was current on her shots and her record was with the registration folder from the XXXX XXXX XXXX. I had paid her and XXXX XXXX took place so we got back in the rental and began our journey Back to XXXX. It was late by the time we got home so i introduced XXXX to my home and my XXXX other dogs trying to make her comfortable i allowed her to sleep with me once we had laid down i noticed she was breathing like she had just ran a marathon so i figured it was because she was in a new environment So i wrapped my arms around her and tried to comfort her well when i woke up she had pooped all over my bed and myself and it smelled horrible worse than any dog XXXX i've ever smelled I had already made her exam appointment with XXXX XXXX Which has been my vet ever since XXXX but because of the covid i could not get in for the exam until XXXX unless the dog was XXXX which she was not but she would XXXX all over my house constantly which was unusual and i noticed that she would eat her XXXX that was the second sign that something isn't right So Had purchased an xx-large crate to keep her in while i break her from using the bathroom in my house which she did not comprehend any type of instructions or would she even watch and learn from my already well trained boxer She would go outside with them and instead of going outside to XXXX she'd find some XXXX to eat then follow my dogs back in and XXXX in my house So couldn't seem to get any results so i scheduled a trainer but because it was Still Covid related changes everything was pushed out months for appointments so I had to keep her in the crate and let her out every hour to use the bathroom. Finally her appointment for the exam came and what they found was disturbing She Had XXXX which i had to treat my other XXXX dogs as well but she had XXXX and for as many eggs they found she had it before i purchased her which i already knew because my dogs never had any type of parasites So i had to treat all XXXX of them she also had some other issues which you can find inside the documents I provided with this complaint. The bottom line is this breeder had sold me a dog that was sick and also had an immune deficiency something thats born with So i had reached out to the breeder and told her she sold me a sick dog and she can replace her with a different puppy or give me back my money and she refused and she knew the dog had issues before she sold the dog to me and i had purchased insurance for XXXX before i even purchased her. I truly know that dog was an inbreed. any ways i called my back and explained to them the situation and filed a dispute under sold defective product and provided the Veterinarians report about all the problems the dog had now mind you this report is from a certified licensed veterinarian which when i took her i looked for her medical history that was supposed to be in the aXXXX XXXXXXXX XXXX packaging which it was no medical history and i explained to my bank she basically ripped me off and that i had tried communicating with her but did no good so they gave me a provisional credit while they investigate my dispute i with XXXX it as soon as they put it in my account and did not put any money in that account because of the actions they took on me from a prior dispute they ruled against me on which they should have not but they did and i was not going to allow this to happen twice and thank XXXX i didn't because sure enough they ruled against me and their reason is because She sent them a contract that stated i was to take the dog to the vet within 3 days after purchase which first and foremost i never signed a contract or was i given a paper contract but during the dispute she text me the contract which is not binding because it was not signed and a contract is supposed to be implemented during the sale or transaction not a month down XXXX XXXX and it would have to have XXXX signatures mines and the breeder which i had asked them to send me a copy of the information she provided and a copy of the alleged contact i had supposed to have signed which they did not so i told them they cant validate her information by just her word but i was able to validate the dog had medical issues before i even purchased the dog and i also pointed out what the contract she had text to me states which it says the guarantee to sale healthy and XXXX puppies which XXXX was not either so if i did sign a contract which i did not she would have been the XXXX to breach the contract because the dog was not healthy it had giardia and other medical issues so how is it i breached it if the dog was with health issues and it did not matter they took her word over my official medical licensed veterinarians report and they also did not provide mew with anything that i asked for that could prove validation but i provided them with 100 % validation and thats when i knew that my bank which i never had an issue with never overdrafted or anything had some sort of resentment towards me which in all honesty i believe t was my race because they was steady denying my valid validated with paper disputes and the facts is in all the documents i provided to you and you will agree there is no way i should have had to suffer the actions they took upon me especially when my documents tell my truth the documents i provided validated everythjing i gave them rerason for why i am entitled to my money back but they wanted to ruine my reutation my credit my consumer report which they never had informed me they was sending the debt to a collecter or furnish any thing about me to anyone so the intentionally Abused me and violated the consumer laws in place by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX A XXXX XXXX XXXX A XXXX, B AND XXXX XXXX XXXX XXXX b, c, d, XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. I'm not a veteran with these laws as i just started getting familiar however XXXX going to mention what i believe they are in violation for which they did not contact me and tell me they where going to share my information to anyone so they never given me an option as to rather i agree or disagree. Also they did not ruled against me without validation and they did not provide the validation of the claimed contract that i asked for or did the give me a fair investigation they reported to the consumer reporting agency that they closed my account due to non payment of a balance {$1300.00} which cause me not to be able to open another bank account negatively effected my reputation when i provided them with binding documents that supported my claim but they intentionally put the burden on me and took money from me without any legal document that verified that My claim was inaccurate or not valid when i provided documents to support my valid claim and i was a client of therirs and they disregarded everything i provided explained and i just dont understand why the turned they back on me the way that they did and wouldn't listen to nothing i had to say or honored anything that i provided i honestly felt like the person that handles the dispute knew me and dont like me because everything they did was unfair and mean and hurtful and caused me all kinds of issues especially when they took my rent money when i provided them with the proof of the transaction made and i begged them to do what right soi dont be put out into the streets and they told me that their decision was final even with the documents i provided that contradicted the information that they received from best buy.Im sorry that another complaint so ill stay on the subject of this complaint
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05/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX, XXXXi filed a dispute stating that : In accordance with the Fair Credit Reporting act multiple companies, have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Accounts Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name :?
Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name :?
Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXXXXXX XXXX XXXXXXXX.
Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Addresses Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX OF CHAMPIONS XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX, GA XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Phone number : ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Phone number : ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Phone number : ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Social security number : XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Social security numbers : XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Social security numbers : XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I out on the from area.
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06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXX XXXX to provide my personal information to XXXX, XXXX XXXX, Equifax, XXXX, XXXX XXXX, XXXX.
Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY.
I never gave XXXX XXXX XXXX the permission to which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Since this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.
If XXXX XXXX XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.
15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) Block- Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313
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10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, and XXXX are all in Violation by reporting these Accounts 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need MY written consent to add anything to MY consumer report. I did not give authorization. This is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on MY report.
Items that are derogatory is not allowed into MY consumer report. This is another violation15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency XXXX furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law.
15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Once again they must give ME an opt out notice for anything that is to be added to MY consumer report.
15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law,
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12/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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NOTICE ; DOCUMENTS NOT PRESENTED AS REQUESTED LOAN STATED BY YOUR LETTER THAT PAYMENT ( S ) WERE RECEIVED, LOAN DEBT PAID IN FULL DUE TO MONEY ORDER BOND SUBMITTED WIHOUT ADDED INTEREST : Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and the XXXX Dept of Ed ; Letters received with dates of XXXX XXXX XXXX and such documents do not provide uncontested wet signature ( s ) just the assumption thereof, which concerns our legal team, if possible and it is, please feel free to send over the documents so that we can have them examined by an expert. Therefore the alleged uncontested wet signature ( s ) should have dates times and locations of signage. If this is not produced we will not allow anymore communications and shall file legal actions if this type of communications persist.
As well you claim to have records or recordings of a conversation and or emails of XXXX XXXX XXXX requesting a discharge that which no permission had been given to do such. As well XXXX XXXX XXXX did not request a discharge, the documents presented where for legal tender and payment to settle matters in this account quickly, rather it seems as if the money order was not accepted without reason with legal qualifications. Therefore payment should have been received by law and can not be dismissed without a very good legal reason. This has not been done.
Please provide dates, documents, times and locations of the request for forbearance and deferments, for such times are relevant to the actions of identity theft which has taken place. Moreover it was the credit reporting agency that red flagged your attempt to report to credit bureaus that which was the wrong birthdate and address. Please take notice that any and all documents presented with incorrect personal and private information shall be deemed identity theft and be place on alert as well all parties shall be notified that being the victims therein which such has been created for theft purposes.
Further more you have attempted to contact friends and family member located in multiple states one of which is XXXX XXXX XXXX elderly mother whereas the postal delivery clerk whom has known the family for years assisted in stopping mail from being delivered to her address. This is harassment and will not be taken lightly.
There are also too many coincidences, the timing of the letters and the information suggest that there is a relationship between that whom we have discovered in the past month of XXXX to be one of which whom created the identity theft and the language in the letters which are very similar and is being examined. Not to leave out that your documents are not notarized, signed and or verified by an agent and or an officer therein your organization, which changed from XXXX XXXX to present, there was once a persons of contact within XXXX XXXX and or Dept Of Ed or XXXX XXXX. Please use this legal format to verify whom you are, status or position and a contact information so it is not assumed that your agency has taken part in the thefts at hand.
If you received payment ( s ) as you stated or someone stated in the letter, why is the account still open for there was a payoff request made by XXXX XXXX and that final payment in form of a money order was provided, what is the problem with the final payment in regards to settling the matter of debt? The payment was legal and is excepted so please provide a legal and legitimate answer or solution to the payment, adding interest and expecting payment over a period of years as in adding another {$65000.00} is extortion.
Please be advised that XXXX XXXX XXXX notified XXXX XXXX XXXX that his account had been hacked by a bank or a government agency so that email is no longer being used since that time and had been forwarding all emails over to XXXXXXXXXXXX please see to it that you use this email only.
Once you have provided an reasonable explanation as to why the payment was not received dated The court papers that which was forwarded over to you are very much real and legal. They state that XXXX XXXX XXXX is not dated XXXX XXXX, XXXX. That which there are investigations prevailing at this current time and future court dates with the culprit ( s ) whom created the identity theft and other illegal matters are being tracked. Those individuals may have contacts within XXXX XXXX and or Dept Of Education that which is being seriously and deeply investigated and will have serious repercussions for charges will not be dropped and the max amount of time will be heavily requested for this has caused XXXX XXXX XXXX and his family millions in investments as well his home.
As for the Nature of the court proceedings and the language i personally do not have any control or legal input as to how the Judge and deputy documented and worded the Identity theft documents and findings. Rather in all cases presented to the court on XXXX XXXX, XXXX XXXX am that with all the evidence and documents presented by XXXX XXXX XXXX and his wife XXXX XXXX XXXX whom was effected as well by the multiple identity theft ( s ) that which stated in the court records is that simply put, neither XXXX XXXX XXXX or his wife are responsible or committed any offense to that which was created by identity theft be in loans, mortgages, and all other loans therein which was recently and formerly created in the past.
Court Rulings - The court finds XXXX XXXX XXXX and his wife to be factually innocent of the offenses that being any loans that neither petitioner gave consent to therein. As for a defendant and or identity theft perpetrator name in the verdict is not warranted by the accounts of the Dept of Justice whom have been notified due to the wide range and damages that this may cause others, none the less we have investigated and have found several personnel whom have major part in the identity theft and other crimes committed against XXXX XXXX XXXX. That which had been presented to you at cost of XXXX XXXX XXXX.
Reminder - XXXX XXXX, XXXX and several times before hand you had received documents warning your of identity theft along with multiple affidavits for such causes and it was stated in the entry of the legal document that you must respond to this affidavit point by point, under oath meaning notarized and witnessed as well by an officer agent therein the angry whereas you sit, failure to answer all points under oath shall be deemed incomplete and that which you claim or alleged to be factual unequivocal and irrefutable admission to all statements contained here, further this will be binding against you in any subsequent court proceedings to enforce remedy. You had five days after receipt of said documents and you have failed multiple times. Furthermore all credit agencies have began red flagging any attempt to report thereafter the date you had received the first Affidavit herein this matter.
Therefore this shall conclude any and all communications herein this account and it is deemed PAID IN FULL as stated on the letter from the XXXX Dept Of Education and any further communication hereafter is deemed harassment as well illegal and prohibited.
You may proceed with legal matters and fillings rather count on countersuits to be applied therein for such has been presented to you in full notification and you have ignored it, therefore that is your issue and not XXXX XXXX XXXX.
Further more after this point that you proceed and continue pursuing this matter that is closed, you shall be responsible for all legal cost travel and pain and suffering therein hereafter.
You also may provide a copy of your report and investigation hereafter so that while we are pursuing those whom created this issue your evidence may have implications to that which has been stated before, and the communications herein thereto in connections with the thefts and injuries. Moreover any attempt to contact family members outside of this matter shall be deemed harassment and legal matters shall be filed against you in said cities and states for such illegal actions.
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04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff XXXX s XXXX XXXX should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit XXXX s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim XXXX s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff XXXX s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit XXXX s ) or derogatory claims of credit.
5 XXXX FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt XXXX s ), and or otherwise derelict documentation of claim XXXX s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge XXXX s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 XXXX As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff XXXX s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt XXXX s ) or delinquencies of debt alleged in above noted claim XXXX s ), perfect and prove-able compliance of collection actions related to claim XXXX s ), and compliance of reporting actions related to claim XXXX s ) ... ... ... ... ... ... ..
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10/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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THESE ACCOUNTS SHOULD BE REMOVED ( 1 ) ACCOUNT NAME : XXXX XXXX XXXX ( CLOSED ) ( 2 ) ACCOUNT NAME : XXXX XXXX XXXX XXXX I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, EQUIFAX XX/XX/XXXX REASONS : 1. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; 2. The Congress has stated that you, EQUIFAX are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. The Congress has also stated that you EQUIFAX are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, EQUIFAX are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; 6. Pursuant to 15 U.S. Code 1681a ( d ) the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness ; 7. Take further notice that Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) you EQUIFAX are violation of this law as it clearly states that any report containing information solely as to transactions or experiences between the consumer and the person making the report which in this case is you EQUIFAX is excluded from the consumers report ; 8. Notice that you EQUIFAX are also in violation of 15 U.S. Code 1681a ( 2 ) ( B ) which states any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card. You are reporting multiple accounts on my consumer report in direct violation of this Code ; 9. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; 10. Take further notice that Pursuant to this same mentioned code stated above 15 U.S. Code 1681a ( e ) there shall not be any specific factual information on a consumers credit record obtained directly from a creditor as the term creditor means the same as it does in 15 U.S. Code 1691a ( e ) which states that the term creditor means any person who regularly extends credit which in this case that would be me a consumer ; 11. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates ; Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method. DEMAND FOR REMOVAL PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance. TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( a ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. The term credit card has the same meaning as in section 1602 of this title. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer.
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06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
At my wits end, in XX/XX/2022 one of my credit card Cos submitted 5 late notices on my report in one day- having to do with 2-store credit cards- one on one card- and four late pays on another store card- I had not paid late- it was an error- they had issue with their auto-pay system. I disputed the late notices- to all bureaus- and it took me approx 3 weeks calling, writing company comenity bank- and finally the company removed all XXXX of late notices and fixed what they had done- I was desperate- in midst of my mortgage application process- and Their mistake dropped my credit score to a XXXX from an average of the 3-bureaus my average score was approx XXXX. It had taken me 10 years to get my score to a XXXX after years of frustrating low scores for apparently no reason I could ever find!. Prior to repair being made, during this XXXX weeks from reporting the late payments until it was fixed- two of my other store credit cards ( synchrony bank ) evidently was noticed of my score drop and unilaterally closed my two accounts- I notified them when mistake was fixed but they said I would have to re-apply to Re-open my accounts but my score was now still in the low XXXX, the creditor closing accts further dropped my score- I was under contract to sell my home and in midst of mortgage application, and could not jeopardize having a hard hit on my report. So, their closing my accts further dropped my credit score which never went back up to what it was prior to this reporting of 5-late payments.
From that point, XXXX XXXX XXXX my score has bounced from the original over XXXX to XXXX back to XXXX high- back down to XXXX to XXXX up to XXXX back down to last week XXXX had my score at XXXX!! And although I have paid accounts for years with these bureaus, especially experian- creditors tell me that the score they pull is never the score experian has on their site, which I pay to monitor!
I lost my first mortgage, which I had applied to when this catastrophic mistake was made to my repirt! Thank god I could buy my new house in cash or I would have defaulted, but money I used to buy my home was personal funds but also that I took from my biz- it was all committed elsewhere, my two businesses needs cash, NOW, desperately, I have been turned down for the mortgage I applied for a few months ago, and now for home equity lines of credit, or HELOCs- since XXXX repeatedly. I will lose my businesses, I will default other contracts if I cant mortgage my home and get my cash back out- - yet my credit score remains as of end of last week on experian- in the high XXXX!! I have ZERO negatives on my credit report, I paid my mortgage off in full when I sold my house, but paid timely for years- that should not cause a nearly XXXX point hit- just paying off my mortgage, should that not be a good thing?
I use a couple small credit cards each month to pay bills- each one paid in full at end of every month- I carry no balances- but they have very low credit limits- all I ever needed so never applied for higher limits- so although I use nearly the max limit- they are only XXXX and {$2500.00} etc limits- I have had them for years and pay in full- every month- never late- I have two car loans- traded in one car for another in XXXX when my car died- but still have two car loans- and never late with payments- I have negligible debts compared to my assets/income- the credit bureaus say my credit percentage utilization percentage is high and that represents 30 % of score- so even if I lost the whole 30 % ~ my score considering low debt- high income and zero negatives reported- should not drive my score to the XXXX which literally renders me un-fit for a mortgage, or to be able to get funding needed to operate my companies- etc.
All the Bureaus the 3 major ones, have told me my score will normalize in 45-60 days- but its been 6 months going on 7 ( seven ) and all companies I call ( to help fix my credit score ) tell me they cant help me, because nothing is wrong and there are no negative on my report to fix No advice they can give me, yet, XXXX has my score down to the XXXX still and the other two bureaus have my score XXXX! I cant live, get funding or a mortgage, I cant get higher limits on credit cards to fix my utilization score with these scores! I am 61 years of age, they also say my oldest acct is only 2 years old, but Ive paid 10 mortgages off in full, Ive used credit and have had good credit since I began working at 14 years of age, my first home mortgage I had at XXXX Ill be dead before I have an acct old enough- according to them- and there is literally nothing I can do to fix my credit score because there is nothing bad, and nothing wrong! How can this happen? I have struggled so much in the last 7-8 years to get my score higher, the only negatives ever posted in the last few years were all errors- only two that I can think of, both company errors that were immediately fixed when disputed- yet my score needs a miracle to be over XXXX! I have called credit law firms to ask their assistance, they tell me that unless there is a clear mistake they can sue over, they cant help me- - I have literally begged all XXXX bureaus to tell me what is wrong- what I can do to increase my score- they all respond that they cant give me financial advice- and that how scores are calculated is tricky My life depends on my credit score, like most people- I am writing you folks because I will Soon legally default on all my obligations- and I dont know where else to turn or what else to do to get my score to where it should be- because I have done nothing wrong and there is nothing else I can dispute- although when I traded in XXXX car for another in XXXX, there were nearly 10-12 hits on my inquiries that I had not authorized, same with the twice I applied for my mortgage- I disputed all these 23 hard inquiries reminding bureaus that when we shop rates when making major purchase, they can only be held against me once- if within the prescribed number of days from each hit- every bureau said that inquiries are straight factual accounting of an inquiry- and have refused to remove any even when handfuls were on same day for same car loan and same mortgage- and every report lists the number of inquiries as a contributing factor to my low score! Yet at car dealer when I switched vehicles and bought new, I instructed them I was only giving my permission for one hard it to my report- they agreed, but then 10 were run by finance Cos I never heard of nor gave permission for- in retrospect they had to do that since my score was so crazy low- due to what these bureaus are doing to my credit score in the past 6-7 months! So Im paying 12 % interest on my new car- and cant even get approved for a mortgage! I swear I literally can no longer take this constant battle with my credit score- if you can look at Experian- my score in their bureau alone has jumped from XXXX in XXXX down to XXXX up to XXXX and back down to XXXX - XXXX points up and down in just in the last four weeks! All yet with not XXXX negative, not XXXX late payment, If I use any of my credit cards for gas to fill My car- my score drops XXXX points! There is something so wrong here, it will ruin my life now, within days- because I will default another contract- what I do have in credit I am paying exorbitant interest on, because XXXX seen as such high risk- for years- yet nobody seems to be able to help me- or even to tell me why my credit score is doing what they are doing to it!
Im trying not to be emotional, but I have literally come to the end of my rope- being able to handle this any longer- can someone there please help me or steer me to help?? Although calculating a credit score may in fact be tricky, it must be representative of a persons history of paying, assets, income, and when bad, must give a person some way to work to fix it! This has been going on years- but I will soon pay the ultimate price for this crazy system and what it has done to me, and remains doing right now!
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10/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Older American |
First, I am a XXXX year old woman who was targeted in an XXXX scam.
There is a XXXX XXXX Account/XXXX account that appeared on all 4 credit bureaus in mid to late XX/XX/XXXX. I noticed them after ordering my free annual credit reports and started disputes to all the bureaus, however, I was not able to get all documentation to them in a timely manner as I had to be treated for XXXX XXXX. The original number that appeared on this account is XXXX on all four bureaus attached is the account number as it shows on the XXXX Report.
XXXX XXXX Fraud Department sent me correspondence requesting the identity theft information in late XX/XX/XXXX early XX/XX/XXXX which I filled out and returned them that included the two police report numbers they asked for. A few weeks later I received from them a letter advising that they were removing these accounts from all four bureaus. XXXX XXXX removed the first XXXX XXXX account but then in an underhanded and sneaky way opened a new account in name with a new number and reinserted on all 4 bureaus and started reporting to that number. I found out when speaking go XXXX Fraud Department when I was asked if there were two accounts. I said I never had any accounts and she said there were two XXXX accounts. II have never had an account with XXXX/XXXX. The new partial number is XXXX which appears on the XXXX report and probably all bureaus. I received the number today, XX/XX/XXXX in correspondence from XXXX. ( Attached ) XXXX XXXX continues to reinsert and report accounts that were opened in my name on line by people impersonating me. This account look to be account that was opened online after I gave XXXX XXXX who I worked with me and was a friend of the family and had been in and out of my house on a regular basis and whom I had given three used phones and a tablet along with other used items in XX/XX/XXXX not knowing we he actually lived in XXXX, XXXX XXXX XXXX on the XXXX XXXX and was in the US on a work permit.
I have had a checking account at XXXX I closed out in XXXX because XXXX was never able to stop all the fraud/identity theft on my checking accounts and consistently shutting down my debit card without notifying me and sending a new card because of fraudulent activity by other people who had stolen and used the card number. There was always money missing from my account and XXXX could not tell me why.
On XX/XX/XXXX I once again disputed this account as being identity theft and provided a XXXX County Sheriff 's Department Police report ( attached ) regarding a harassment/scam incident I had been experiencing with the XXXX XXXX man who I met and worked with beginning XX/XX/XXXX and until I resigned in XX/XX/XXXX. I did not know at the time he was only here on a work permit and travels back and forth from XXXX to the US collecting used items to take back and sell. He misleads people when he is here and tells them the used items are for the needy in XXXX. I found out in XX/XX/XXXX per the first attached Sheriff 's Report which is Harassment and where he and his family were trying to scam me out of money. Each and every time I told them NO the harassment would escalate until there was Sheriff at my door in XX/XX/XXXX the date of the first report.
In XX/XX/XXXX XXXX XXXX approached me at XXXX 's and requested used clothing and electronics ( i.e, used unlocked phones and tablets. I gave him clothes and other items and also a XXXX phone, an XXXX XXXX XXXX phone, an XXXX phone and a tablet. I don't remember the brand of the tablet, but they were all unlocked and reset to factory settings. I thought resetting the to factory settings would make them safe but was later advised it DOES NOT clear the memory and your personal information can still be obtained. I found later in a conversation with XXXX XXXX he shipped these things back to XXXX in XX/XX/XXXX in a container that contained cars, and other things but also included the used clothes and electronic items. Once he took these things back the phones memory were broken into and all my personal information was taken which included all banking information, including passwords, verbal passwords as well, all my email addresses, were taken, phone contacts, everything that I stored on my phone in my XXXX password directory. He had access to my XXXX account and set up 3 accounts in my name which I have since had taken down. I have reported him to the Department of Immigration and sent emails to XXXX 's as they were allowing him not only to work there but to solicit customers and employees for used items and especially electronics as being distributed as items for the needy but he was actually selling them.
During the early to mid day on XX/XX/XXXX, I had two strange calls one to my home phone and one to my cell phone both were the same XXXX man asking questions. I didn't answer any questions, I just hung up. in the early evening I received emails from my home phone account provider that my password had been changed. I called to find out what was going on and to correct it yet someone changed it again. The same evening at about XXXX I received a call from XXXX Fraud Department who told me there was suspicious activity taking place on my account. XXXX XXXX had been put on my checking account and a spoof card had been bought using my checking account in the amount of XXXX. I was also advised that this same XXXX man or maybe a woman had called in impersonating me and spoke directly with XXXX employees about my accounts a day or so earlier. These are the same people who opened the XXXX Account.
XX/XX/XXXX I filed a dispute with all bureaus with included the first police report ( attached ) again only to be told I needed a different report and that XXXX XXXX would not remove them. OF COURSE XXXX XXXX WOULD HAVE MY INFORMATION AS THEY HAVE SPOKEN DIRECTLY WITH THE PEOPLE WHO STOLE MY PERSONAL INFORMATION BY IMPERSONATING ME ONLINE OR BY PHONE USING INFORMATION TAKEN FROM THESE ELECTRONIC DEVICES AND OPENED THIS ACCOUNTS IN MY NAME.
On XX/XX/XXXX, I again disputed these accounts and sent all bureaus a new report ( attached ) Fraudulent Use of Identification and Impersonation regarding these same XXXX who impersonated me and who spoke directly to XXXX when they called in to XXXX number and spoke with XXXXs personnel and opened up and used these accounts using my information obtained from these phones and tablets and opening the XXXX/XXXX Account as well.
I do not have a complete account number only partial numbers from the credit reports as I have never had these cards/accounts.
XXXX XXXX needs to provide me with applications filled out and signed by me allowing XXXX XXXX to open up these accounts/cards. If it was opened online why didn't they gave it finished and opened up in person and where is my authorization to open a new account in my name by XXXX XXXX. Unless this can be provided XXXX must remove these from all bureaus. Simply saying these accounts belong to me when others have all my personal information at their disposal and are using is not enough since XXXX XXXX allowed these fraudulent accounts to opened up by people impersonating me online or over the phone without contacting me first before opening them yet this is what happened. It appears these accounts were dumped as soon as these people realized my checking account had been closed and moved and when I changed all my personal information including my XXXX account containing my personal information.
Provided the application you said I filled and signed not an online or phone application that can be done by anyone impersonating you after they have stolen your phone identity and all your personal information and is using it. Also provide the application I filled out and signed on the new account you opened in my name and are reporting to.
Also provide the letter you sent me advising both XXXX XXXX and XXXX/XXXX accounts were closed. I have my copy, I want to see what lie you tell about that since you opened a new account in my name.
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09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXXXXXX Dear Sir/Madame RE : You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FDCPA 15 U.S. Code? 1692e.False or misleading representations ) FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed.
15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Under FDCPA 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX | XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX | XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX | XX/XX/XXXXXXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
You supposed to add notice within 30 days not 1 day over as I have proof.As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Sincerely, XXXX XXXX
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06/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
WHAT WOULD BE A FAIR RESOLUTION?
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09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, NJ XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth. I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau. RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( XXXX ) by Original Creditors on my Equifax Credit Report. To Whom It May Concern, In the course of recently screening my personal Equifax credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
2. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
6. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
8. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
10. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
14. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
15. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
17. The inquiry was not authorized XXXX XXXX Services Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
20. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity XXXX ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
XXXX XXXX FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
XXXX XXXX As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The XXXX XXXX XXXX is furnishing deceptive information to the reporting agencies. This alleged debt has been cancelled and is now considered income. According to the IRS, nearly any debt you owe that is canceled, forgiven or discharged becomes taxable income to you. Income can not be reported to my consumer report.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
|
06/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
WHAT WOULD BE A FAIR RESOLUTION?
|
09/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
WHAT WOULD BE A FAIR RESOLUTION?
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
XXXX XXXX As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. US DEPARTMENT OF EDU Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. US DEPARTMENT OF EDU Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my name. Delete it immediately from my report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
|
12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American |
Re : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Violations of Fair Credit Reporting Act.
Regulatory Background The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) amended the Fair Credit Reporting Act ( FCRA ), including a provision in Section 4021 that directs lenders to report a credit account as current if the consumer has sought payment relief related to difficulties caused by the national emergency.
With the purpose of clarifying federal guidelines, the Consumer Financial Protection Bureau ( CFPB ) issued on XX/XX/XXXX a document entitled : Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic ( Last updated XX/XX/XXXX ). ( Copy attached as EXHIBIT 1, for prompt reference ).
In page 1 of the FAQs, the CFPBs document states that : An accommodation includes any payment assistance of relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/XXXX, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/XXXX, under the National Emergencies Act. Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.
Recollection of Events I obtained a forbearance for the Mortgage XXXX # XXXX on XXXX. The lender is XXXX XXXX XXXX XXXX Mortgage Servicing ( further referenced as XXXX ). The forbearance period was later extended until XX/XX/XXXX. The lender refused further extending the forbearance. It is worth noticing that XXXX has not presented evidence verifying that the entity XXXX XXXX explicitly provided written instructions toward not extending further the forbearance periods. No evidence has been presented either that the entity demanded payment of the full balance at the end of the forbearance. Besides, nowhere in the CARES Act it is stated that the forbearance implies payment in full immediately at the end of the relief period.
In a former letter XXXX has said that the Loss Mitigation Specialist XXXX XXXX was the single point of contact ( SPOC ), and that she was unable to get back to me on XX/XX/XXXX.
This comment is incomplete as XXXX omits to mention that I had multiple interactions with XXXX XXXX and other members of the Loan Mitigation Team after such date.
XXXX Compliance Department does not acknowledge either that XXXX XXXX provided misleading and inaccurate information. Evidently XXXX Compliance Department is not fully aware of the extent of interactions that took place with the Loan Mitigation Unit. This lack of internal coordination between XXXX departments is highly unfair and undesirable, as translates into undeserved penalties for consumers.
As a matter of fact, I exchanged multiple emails with XXXX XXXX XXXX after the referenced date, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX refused to explain why a further extension of the forbearance was mentioned in XXXX correspondence, but she was not offering that to me. In addition, XXXX XXXX misrepresented the interest rate and monthly payments for the modification option. These are important parameters for reaching a decision.
On XX/XX/XXXX I requested an amortization table to evaluate alternative options for accommodations, and XXXX XXXX simply declined returning my phone calls. Given that precious time was getting lost due to the neglecting treatment received, I escalated this case on XXXX to XXXX XXXX XXXX, Loss Mitigation Senior Manager. XXXX XXXX apologized for the service omissions of XXXX XXXX, and finally gave instructions to send me an amortization table.
On XX/XX/XXXX XXXX XXXX communicated that the loan modification trial had been approved, and sent me the offer, at a better interest rate that mentioned by XXXX XXXX. At such point we had already reached an ongoing accommodation before the forbearance period expired, which implied credit reporting protection as per the CARES Act. XXXX was not correct when reported this loan as delinquent, and violated US Federal Regulations.
On XX/XX/XXXX, a different department from XXXX sent me a letter asking for payment no later than XXXX. I consulted with XXXX XXXX about whether to follow that letter, and she let me know that I could start the first payment on XX/XX/XXXX. I decided to get it started anyway on XX/XX/XXXX, and established autopay to avoid any late penalties.
On XX/XX/XXXX I messaged XXXX XXXX informing that the trial payments had been concluded. I never received any further messages or phone calls from her, I dont know if she was removed from her position. On XX/XX/XXXX I signed the final Modification Agreement and on XX/XX/XXXX I closed the sale of the mortgaged property and liquidated in full the pending balance with XXXX.
I include all emails exchanges with XXXX Loss Mitigation Department in EXHIBIT 2 to document the correspondence that XXXX Compliance Department is omitting to acknowledge. These messages provide evidence that the loss Mitigation Department never mentioned that the balance had to be paid in full at the end of the forbearance period. XXXX Compliance has not presented proof either that the entity XXXX XXXX imposed those payment-in-full terms. XXXX should assume full responsibility for what their representatives express or fail to express to the public. Besides, paying the balance in full would defeat the whole intention and purpose of the CARES Act.
XXXX XXXX never mentioned that the XXXX modification trial payments would be reported as delinquent, otherwise I might have chosen a different option for accommodation.
Regardless of whether the Compliance Department is acting out of miscommunication or bad faith, their policies are detrimental for everyone and do not really benefit XXXX, as lead only to generalized litigation. The company has built an industry reputation for not being well organized and is facing already multiple open cases for violations.
XXXX has said that During a trial plan for a Loan Modification, the credit guidelines allow the delinquency to be reported, but we must furnish a Special Comment indicating you are paying on a partial payment agreement. Such comment is not correct, as the CFPBs document referenced on EXHIBIT 1 states that the credit protection does not expire until the President declares the COVID-19 emergency is over ( which has not happened yet ). The CFPB Q & A states in page 3 that : the CARES Act requires a furnisher to report a credit obligation or account as current if it was current prior to the accommodation.
The document continues clarifying how the reporting should be labeled as current : Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act required information and therefore furnishing such a comment code is not a substitute for complying with this requirement.
XXXX XXXX XXXX from XXXX XXXX Compliance Department has said that we must treat all of our customers fairly and consistently, as required by the Fair Credit Reporting Act. Consistent unfair treatment, as the one I have received, will only translate into multiple litigation from the public due to these systematic violations of federal regulations. Shellpoint double-downs repeating that they have reported information to the credit bureaus correctly, which reveals that they are not current in their understanding of the amendments to the CARES Act.
XXXX has never acknowledged the CFPBs referenced Q & A document. The CFPB should be more active enforcing regulations passed by the US Congress, and not just closing cases after violations are reported. Or at least should forward this case to the competent Federal Authorities.
" Errare humanum est, sed perseverare diabolicum " XXXX XXXX XXXX XXXX. Office of Congresswoman XXXX XXXX XXXX.
Cc. Office of the Attorney General, Florida
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09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-XXXX XXXX Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim XXXX XXXX ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit XXXX XXXX ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
ORIGINAL LETTER : AS FOLLOWS : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IN, XXXX XXXX - XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Attached, here is my Tracking Report Number : XXXX.
Account Name : Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IN, XXXX XXXX - XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights.
Accounts verified, Accounts verification.
This is not making any sense.
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below.
Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IN, XXXX XXXX - XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ID FOR COMPLAINT SENT TO EQUIFAX INFORMATION SERVICES LLC XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX XXXX XXXX
XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX XXXX
XXXX According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
This is another violation.
( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
15 U.S. Code 16815-2 Responsibilities of furnishes of information to consumer reporting agencies ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( il ) review all relevant information provided by the consumer with the notice ; ( ti ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 16815-2 Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES 15 U.S. Code 1681 Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
In accordance with the Fair Cred : Reporting Act Everything has to be 100 % accurate on my credit report.
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Moreover important information as such. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my wiftten instructions, However the credit bureaus said the completed the investigation and everything was 100 % accurate.
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.
The term " investigative consumer report* means a consumer report or portion thereof in which information on a consurer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
I would like to know who did they talk to.
How did they complete this investigation I want the CFPB to publish this description on consumerfinance.gov Correction to a credit report ; I demand this account be deleted from my credit report Immediately.
|
05/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff XXXX s ) XXXX should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring to your attention a deeply distressing matter that has had a significant impact on my financial well-being and overall quality of life. As a consumer who seeks to uphold their financial responsibilities and maintain a positive credit history, I find myself embroiled in a situation that not only challenges my financial integrity but also engenders emotional distress.
I recently discovered several unauthorized credit pulls on my credit report, as well as instances of inaccurate personal information. It has come to my attention that these actions may be in violation of pertinent laws, notably the Fair Credit Reporting Act ( FCRA ). Specifically : Unauthorized Credit Pulls : I believe that my rights under FCRA Section 604 have been violated. This section stipulates that a credit report can only be accessed for a permissible purpose, such as when a consumer applies for credit. Unauthorized credit pulls may violate this provision if they were not initiated by the consumer 's authorization or a permissible purpose.
Inaccurate Personal Information : I am convinced that my rights under FCRA Section 611 have been breached. This section mandates that credit reporting agencies investigate and correct any inaccurate or incomplete information within a reasonable timeframe after receiving a dispute from the consumer. In my case, I have identified instances of inaccurate personal information on my credit report, notably incorrect addresses. Despite my diligent efforts to rectify these inaccuracies, they persist, casting doubt on the accuracy and reliability of my credit report.
Violation of FCRA Section 623 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies : I suspect that my rights under FCRA Section 623 have been transgressed. This section establishes that creditors and data furnishers are obligated to provide accurate and complete information to credit reporting agencies. The reported inaccurate addresses on my credit report not only undermine the integrity of the information but also raise concerns about the diligence of these entities in fulfilling their responsibilities.
Here are the specific accounts and details of the violations : XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXXXXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
I implore the relevant parties involved to consider the emotional toll this ordeal has taken on me. The mere thought of my creditworthiness being compromised without my consent has caused sleepless nights and heightened XXXX. The uncertainty surrounding my financial future has strained relationships and affected my ability to pursue important life goals. I share this personal story not for sympathy, but to underscore the profound impact that these violations have on consumers beyond the confines of their credit reports.
In light of the circumstances outlined above, I kindly request the following : The immediate investigation and removal of unauthorized credit pulls from my credit report.
The rectification of inaccurate personal information, particularly incorrect addresses, in accordance with FCRA guidelines.
Swift compliance with FCRA Section 623, ensuring accurate and complete information is reported to credit reporting agencies.
Consideration of the emotional and psychological distress that such violations inflict on consumers.
I am committed to resolving this matter in a fair and amicable manner. I kindly request that you thoroughly investigate these violations and ensure that justice is served according to the applicable laws and regulations. Your assistance in rectifying this situation would not only alleviate my personal distress but also reaffirm my faith in the consumer protection framework.
Thank you for your time and attention to this pressing matter. I look forward to a resolution that upholds the principles of fairness, accuracy, and accountability.
Sincerely, XXXX XXXX
|
02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXXXXXX - XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
05/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
WHAT HAPPENED?
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) XXXX should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until XXXXROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff XXXX s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim XXXX XXXX ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge XXXX XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove appli
cation, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand again
st all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff XXXX XXXX ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately
and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract descr
ibing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Equifax XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Equifax XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Equifax XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Equifax XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Equifax XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Equifax XXXX XXXX XXXX has XXXX my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Equifax XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Equifax XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Equifax XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the XXXX, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and d
erogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any
consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call
on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the alleg
ations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) a
nd rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
3. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
4. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
|
06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-b
e plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their a
ccusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, XXXX PRIVACY RULE, FACTA, FDCPA and XXXX, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX XXXX. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, XXXX PRIVACY RULE, FACTA, FDCPA and XXXX, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX XXXX. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts open unbeknownst of me ....
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff XXXX XXXX ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accou nts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$6200.00}, {$5400.00}, {$13000.00}, {$8500.00}, {$0.00}, {$1100.00}, {$5300.00}, {$0.00}, {$2200.00}, {$5800.00}, {$190.00}, {$350.00}, {$320.00}, {$180.00}, {$440.00}, {$1100.00}, {$480.00}, {$170.00}, {$450.00}, {$220.00}, {$280.00}, {$240.00}, {$310.00}, {$190.00}, {$160.00}, {$160.00}, {$110.00}, {$61.00}, {$1100.00}, {$160.00}, {$100.00}, {$160.00}, {$130.00}, {$220.00}, {$250.00}, {$160.00}, {$110.00}, {$680.00}, {$130.00}, {$140.00}, {$120.00}, {$120.00}, {$270.00}, {$400.00}, {$700.00}, {$390.00}, {$250.00}, {$180.00}, {$85.00}, {$260.00}, {$290.00}, {$270.00}, {$210.00}.
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
-- AUTO ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.
10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
-- OTHER ACCOUNT 11. DEPT OF DEFENSE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$190.00} -This is not my account.
14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account.
15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account.
17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account.
18. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
19. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account.
20. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account.
21. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.
22. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account.
23. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.
24. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.
25. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
26. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$190.00} -This is not my account.
27. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
28. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
29. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
30. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$61.00} -This is not my account.
31. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
32. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
33. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$100.00} -This is not my account.
34. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
35. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.
36. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account.
37. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account.
38. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
39. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$110.00} -This is not my account.
40. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.
41. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.
42. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140.00} -This is not my account.
43. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account.
44. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$120.00} -This is not my account.
45. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account.
46. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
47. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$700.00} -This is not my account.
48. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
49. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account.
50. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account.
51. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$85.00} -This is not my account.
52. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$260.00} -This is not my account.
53. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account.
54. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account.
55. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.
|
08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during t
heir accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credi
t.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely XXXXe that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent letters regarding inaccuracies and erroneous information on my credit report to XXXX, Equifax XXXX XXXX. To this day, I have received no response regarding my disputes on the above dates and I even provided the documentation of the balances and payments. I feel like I am being taken advantage of and am being ignored. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
XXXX. ) XXXX XXXX XXXX XXXX ; XXXX, Equifax XXXX XXXX has inaccurate balances and inaccurate payment amounts on my account # XXXX. I have disputed this with documentation, and they are refusing to re-investigate. They are reporting {$13000.00} ( on Equifax ), {$12000.00} ( on XXXX ), & {$14.00}, XXXX ( on XXXX ) as the current balance today XX/XX/XXXX, which are not accurate. The balance is currently {$9000.00} as of today ( XX/XX/XXXX ). They are reporting inaccurate amounts in my payments and inaccurate dates that I have made them. XXXX has agreed with me to go back into repayment as of XX/XX/XXXX, and I have uploaded the agreement and all the payments I have made. The first XXXX receipts have the accurate amount due before and after the payments. ( XX/XX/XXXX and XX/XX/XXXX ). After that they refused to provide me with the balance before and after each payment that I paid monthly. XXXX said they were not able to provide the balances to me and then when I sent them a letter requesting the documentation of my payments and subsequent balances, they added money onto my account without my knowledge. I agreed to repay the amount that I borrowed which was {$15000.00}. And it shows that amount of {$15000.00} as the beginning balance on my first receipt XX/XX/XXXX, and then after my {$1000.00} payment, the ending balance was {$14000.00}. The subsequent payments agreed upon were {$500.00} per month and the second month had the correct beginning and ending balance. XXXX XXXX at XXXX XXXX told me that the customer service cashiers were told to not give me receipts with balances on them. This does not make sense. It appears that they are hiding something and being discriminatory towards me XXXX XXXX XXXX XXXX. I cant even go in to make my payments anymore because of this. Then when I pulled a copy of my credit report from XXXX, Equifax XXXX XXXX, the balance was inaccurate and is still showing the above amounts after I have made monthly payments of {$500.00} as agreed upon for 10 months. I have repeatedly requested that XXXX, Equifax XXXX XXXX do a re-investigation and they have refused, stating that XXXX XXXX has verified the information. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 7 months since my first request to investigate. Therefore, I am requesting that they remove this account from my XXXX, Equifax XXXX XXXX credit report d/t the erroneous and inaccurate information they are reporting.
XXXX. ) XXXX XXXX, account XXXX has inaccurate reporting on my XXXX. Equifax, XXXX credit report. This account is paid in FULL. I have attached documentation. I disputed the amount with the XXXX, Equifax XXXX XXXX, and they refused to reinvestigate. On my XXXX Report, it is reporting {$5900.00} with a high balance of {$3500.00}. They added over {$230000.00} onto my account balance in a two-month period. XXXX shows a balance of {$5900.00} on XX/XX/XXXX and the original amount was {$3200.00} which was paid off. Equifax is reporting {$5800.00}. So, you can see they are reporting inaccurate amounts and payments that were made only showed XXXX payments and I paid them all. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
XXXX. ) XXXX XXXX XXXX account XXXX XXXX is not my account and it is reporting {$2100.00} on my Equifax and XXXX credit reports. They have sold it without my permission to a 3rd party and it wasnt even my account. This is a violation 15 U.S.C 1681 section 602 A which states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written instructions. My information was also impacted by the Equifax date breach and may have got into the hands of the wrong person.
XXXX, ) XXXX XXXX account # XXXX with XXXX XXXX as the original creditor with balance {$390.00} is not my account and reporting on my XXXX Credit Report. I received a letter from the original creditor ( XXXX XXXX ) stating that I am not responsible for this balance and that it was going to be removed in XXXX days and it never got removed. It was removed once but has since been placed back on my credit file. This is a violation of 15 USC 1681 section 604 A, which states that a consumer reporting agency can not furnish an account without my written instructions. I never gave permission. I am attaching the letter from XXXX XXXX stating that they are removing it from my credit file. It has not been done yet.
XXXX. ) XXXX XXXX XXXX with account # XXXX is an account that was paid in full. It is still reporting on all three credit bureaus, XXXX, XXXX XXXX Equifax. It is reporting a XXXX balance. I am attaching a document showing that it is paid in full. It needs to be removed from all three credit reports as I have sent multiple disputes documenting the paid in full status and they have refused to reinvestigate it and remove the account. It is negatively affecting my financial status and resulting in higher interest rates. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
XXXX XXXX XXXX XXXX with account # XXXX in the amount of {$400.00} is reported on my XXXX and XXXX credit reports. I have disputed this account as it is not my account. I have disputed this with XXXX ( XX/XX/XXXX & XX/XX/XXXX ) and they stated that they updated the account on XX/XX/XXXX ; however, it is not my account and they have never completed an investigation and I disputed this account with XXXX ( XX/XX/XXXX & XX/XX/XXXX ) and they have not completed a reinvestigation. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Also, the following HARD INQUIRIES were made on my credit reports without my knowledge. I have disputed them with each credit reporting agency, and they refuse to remove them. I have no knowledge of these inquiries and did NOT authorize them : XXXX. ) XXXX XXXX XXXX XX/XX/XXXX ) - XXXX XXXX. XXXX XXXX XXXX- ( XX/XX/XXXX ) - EQUIFAX XXXX. ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXEQUIFAX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - EQUIFAX XXXX. ) XXXX XXXX XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX. ) XXXX ( XXXX XXXX, XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) - XXXX XXXX. ) XXXX XXXX- ( XXXX XXXX, XXXX & XXXX XXXX, XXXX ) - XXXX All of these inaccuracies are affecting me negatively, psychologically, mentally and financially costing me money in higher rates, which is extremely unfair. I would like XXXX, Equifax XXXX XXXX to REMOVE ALL OF THE ABOVE ACCOUNTS from my credit report and DELETE all of the hard inquiries above that I did not give permission to pull. Thank you in advance for your assistance in this matter.
Sincerely, XXXX XXXX. XXXX
|
10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might XXXX day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable
document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2
) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court,
any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting
requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution
today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again
call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandator
y Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely
one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not
validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or
certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and
responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to repor
t alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no dou
bt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of
complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably comp
liant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/1987 RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect DATE OF BIRTH : XXXX 2. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
4. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
5. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
|
04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might
one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient as
pects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and comp
liantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) F
ACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I h
ave no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of
to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of accoun
t or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is
MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) do
es so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of XXXXXXXX debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
ccounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim
( s ) ... ... ... ... ... ... ..
|
11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by
the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or
account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ow
nership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
02/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code,
426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTIN
G COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or
not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and compl
ete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disreg
ard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically veri
fiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/15/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXXpieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
ccounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE t
o all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATO
RY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have suffered actual damages in the form of emotional and mental pain and anguish, stress, humiliation, embarrassment, anxiety and nervousness, from the actions or lack of actions, of XXXX, Equifax, XXXX, XXXX XXXX, XXXX ( Hereafter The Credit Reporting Agencies ) and will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.
As a result of The Credit Reporting Agencies conduct, I have suffered actual damages in the form of injury to credit rating and reputation, and a decreased credit score, and I will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.
At all times hereto, The Credit Reporting Agencies is a person associate employed by the consumer reporting agencies, and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ).
At all times pertinent hereto, I am a consumer as that term is defined by 15 U.S.C. 1681a ( c ).
At all times pertinent hereto, the below-mentioned credit were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ).
Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Credit Reporting Agency is liable to me as a consumer for engaging in the following conduct : 1 ) Reporting aged debts, as new in 2020 on my credit file.
2 ) outgoing communication requesting debt validation, of a reported error on my credit file, without California residents consent to solicit any creditor for my information or proof of what is being reported. The Credit agencies do not have my consent to solicit information from anyone on me.
3 ) In all past reports submitted to the Credit Reporting Agencies, via consumer protection port the credit reporting agencies sent a request to the creditor reporting wrong information, asking for the creditor to respond. This was done without my consent. I did not give consent nor imply consent to send out a request to a third party to request my personal information or the derogatory account being falsely reported.
Firstly, I am a California resident, and live in a state protected by its own constitution and privacy laws. I hereby revoke any and all permissions of Equifax, XXXX, and XXXX, together with XXXX XXXX, XXXX to sell my derogatory information, or supply my derogatory information to third party banks. Moreover, let it be noted hereto [ a ] ny new debt, reported on my credit in 2020 or credit pull, I have not agreed to, nor applied for. I have no new debt. The resent 2020 addition of an alleged new debt to my credit file is unlawful, false and misleading. I do not give Equifax, XXXX, or XXXX or any associated entities my consent, to communicate with the creditor falsely reporting the alleged new debt in 2020.
For XXXX to communicate with any third party regarding the validity of the reported debt will be a violation of California privacy, laws. A cursory review of my credit file will show the debt has been on my credit file for longer than 7 years, and thus even under the circumstance of the debt being sold or transferred to another LLC, the LLC holding the old debt can't report a debt as new.
This complaint asserts, Equifax, XXXX, or XXXX is in perceived potential violation of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681 and reporting misleading and false derogatory and inaccurate statements and information relating to myself, and credit history to third parties. Due to Equifax, XXXX, or XXXX ( hereafter the Credit Reporting Agencies ) faulty procedures, the credit worthiness is impacted.
A very good parallel case of Credit Reporting Agencies faulty procedures has emerged in the new 2020 class action lawsuit filed ref ; Sass et al. v. Great Lakes. In the current class action, It is alleged, XXXX, Equifax and XXXX has illegally damaged the credit, of Millions of student loan Borrowers by reporting inaccurate information on consumers credit, passed onto the Credit Reporting Agencies by creditors. The complaint alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information about millions of its customers to Equifax, XXXX, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people. Further, each of these companies, in their capacities as the joint owners of XXXX XXXX, XXXX, which was also named in the complaint, treated this inaccurate information as derogatory and sold borrowers improperly damaged credit scores to third parties.
I hereby file formal notice, to the Credit Reporting Agencies, for the purpose of recorded evidence, too. And the use of this in a potential future lawsuit, and I elect by free will to allow the Consumer Protection Bure to make this document public, and allow the plaintiff in the current lawsuit Sass et al. v. Great Lakes the right to use this complaint as evidence to support the exsiting 2020 class action lawsuit alleging " Faulty Practices '' of the Credit reporting agencies. The Credit Reporting Agencies have been notified, by me as an individual, the reporting of new debt on my credit report in 2020 is not true, and inaccurate. Keeping it on my credit past XX/XX/2020 is inappropriate.
Moreover, allowing for a new entity, to report an old debt as new is alleged to be a lack of due diligence. This illuminates simmilar faulty practices the Credit Reporting Agencies are currently in a class action lawsuit on. In the lawsuit, it is alleged the student lenders passed the derogatory information onto the credit reporting agencies ( COVID-19 laws did not allow for ) and the Credit Reporting Agencies are alleged to have just gone ahead and reported it, on public record, of millions of people, without validating the lenders ' accuracy. A key point of the currnet lawsuit, iscredit reporting agencies are alleged to have not conducted due dalliance to validate if the lenders were being compliant with the law and new COVID-19 laws in particular, reporting unpaid student loans during COVID-19.
The fair credit reporting act, does not allow for the reporting of a debt more than a statute f limitations on the credit report. In 2020 there is a new debt on my credit. A simple cursory review of my credit report will reveal is report for more than 7 years. The Credit agencies has failed to pick up the debt has been sold to another company, and there is no evidence to show it was lawfully sold to the new entity wrongfully reporting the debt as new. It is clear that this is the same debt, that has been reported for years. The current 2020 lawsuit this, has very close parallel circumstances to my credit file and the Credit Reporting Agencies Faulty practices.
The Credit reporting agencies protocol when receiving this letter is to send out a letter to the creditor falsely reporting my information, to verify the information. However, I do not give The Credit Reporting Agencies my permission or consent to communicate to a third party or request information on me. To do so is a violation of the California privacy laws.
When I advise The Credit Reporting Agencies the information being reported is inaccurate, I consider it a mental torment, and harassment that instead of removing the offending and misleading data, the Credit reporting Agencies send a request to the creditor alleged to be reporting the wrong information, requesting the creditor to validate the information on my credit file. Who gave the credit reporting agencies consent to request information on me from a 3rd party? I do not. It seems again, faulty practices and processes.
I hereby demand the credit reporting agencies remove immediately, the derogatory information on my credit report.
1 ) XXXX XXXX, and any other entities the debt appear in, including but not limeted to XXXX XXXX XXXX XXXX XXXX and the new 2020 entity created displaying the old XXXX XXXX debt.
2 ) XXXX XXXX 3 ) XXXX.
|
12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
The Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ..
|
04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of XXXX did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of XXXX XXXX XXXX is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfec
t metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove- able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of XXXX did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant pr
oof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt
claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness o
f claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt XXXX is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the XXXX, FCRA, XXXX PRIVACY RULE, FACTA, FDCPA and XXXX, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
03/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I have reviewed my credit profile and I believe following accounts are not reporting accurately. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, 1. I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records.
2. On some of the accounts listed below, I believe that you are incorrectly reporting the credit limit, current balance and the high credit amount. Please check your records and update accordingly. Please do not report incomplete information as this may harm my credit profile.
3. On the accounts listed below, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account.
4. On the accounts listed below, accordingly to my recollection, I was not late to the extent you are reporting. Please double check your records regarding my payment history and update accordingly.
5. The date of last activity should match the last date a payment was made on this account. I have reason to believe the date you are reporting is later than the actual date of my last payment. Please update.
6. In the event you complete your investigation and you verify that the information you are reporting is accurate, I would like to have my account notated to indicate that I dispute the account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
|
08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
This is my last report " I was looking at my credit report for the first time in a long time and I was surprised to see many many unauthorized inquiries. I am not a credit person. I dont know how there could be that many inquiries under my name. I sent in a letter to XX/XX/XXXX equifax, and XX/XX/XXXXregarding inaccurate information on my account already but they only removed some information. I had no luck with all the other unauthorized and inaccurate info listed on my credit profiles. These are the unauthorized inquiries that I saw XXXX reporting... XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX On my Equifax report I saw an inaccurate inquiry from... US DEPARTMENT OF EDUXX/XX/XXXX, NY XXXX XXXX I also noticed some accounts from XX/XX/XXXXXXXX on my report which I did not open or use. Credit reporting laws ensure that bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The listed information above therefore needs to be re-investigated and removed because it is inaccurate! The presence of inaccurate information such as the unauthorized XXXX XXXX account seen on my credit report is adversely affecting and impeding my ability to obtain necessary credit. Please close and delete any accounts associated with XX/XX/XXXX because it is not mine! All this inaccurate information should not be linked to my credit report anymore and is 100 % inaccurate. Again, credit reporting laws ensure that bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The listed information above therefore needs to be re-investigated and removed because it is inaccurate! The presence of inaccurate information on my credit report is adversely affecting and impeding my ability to obtain necessary credit. Please remove this information off my credit report. If not, I am requesting that an investigation be launched as according to Federal FCRA LAWS. I am in utter disagreement with mentioned accounts, inquiries, late payments on my credit report. If an investigation is launched, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and businesses addresses of each individual with whom you verified the informations with so that I can follow up. Please foward me an updated credit report after any corrections. I really appreciate your help through this situation of mine. Here below I have my report number for my IDENTITYTHEFT.GOV report. I also included the identity theft government report in my attached files at the bottom of this report. XXXX My report with theXX/XX/XXXX is also in the process of filing. After calling and speaking with representative after representative and not being able to fix my problem, I am frustrated and done. Ive now sent letters to investigate the inaccurate information directly to the 3 major credit bureaus as well. Please help me resolve my credit report and make sure everything is correctly reported as according to federal FCRA Laws. Thank you so much. '' I recently sent this letter to the bureau to request investigation information again, after they did not provide it when I asked the first time. In this letter I also requested they re-investigate the disputed account and come back with proof of it. Here it is below, " Request for Past Personal Information to Be Removed From My Credit Report Instructions USPS certified mail ( addresses below ) : Equifax Information Services, XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, PA XXXX XXXXXX/XX/XXXX XXXX, PA XXXX Keep a record of the time stamped USPS certified mail being delivered.
Date : XX/XX/XXXX Name : XXXX XXXX Phone : XXXX Address : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX SS # : XXXX Credit Bureau NamXXXX : XXXX XXXX XXXXXX/XX/XXXX XXXX PA XXXX Please note that this letter has been sent by certified mail.
Request to Investigate and delete Inaccurate Information and Inaccurate Derogatory Account Dear Sir/Madam, Based on my most recent credit report, your company, XXXX XXXX XXXX , is still publishing an inaccurate XXXXXX/XX/XXXXcredit card account / chargeoff on my profile which is not mine!
Please launch a re-investigation on this item and help me fix this error on my profile. I have been back and forth with you guys furnishing bad and inaccurate information on my credit report and I am done. Please help me fix this.
XX/XX/XXXX Account # XXXX Credit Card Individual Derogatory Date Opened : XX/XX/XXXX Balance : XXXX Payment Status : Collection/Chargeoff Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On top of the item not being mine to begin with, it is inaccurate! I noticed these inaccuracies above just off looking at my report for 15 seconds!
Please follow proper credit laws and launch an re-investigation for me on this inaccurate item. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up with them.
According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section E ( Duty of person after receiving notice of dispute ), you need to ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ALongside that, according to the FCRAs section 609, the burden to provide proof of this account is placed on you guys. If your investigation does not come back with original documentation with signature to confirm the debt, it is necessary that you guys remove it from my profile.
My report number for my report with the Federal Trade Commission or identitytheft.gov is below.
On top of that, i have went through the Consumer Financial Protection Bureau and filed a report with them to look over this entire process.
XXXX I will also make necessary contact with theXX/XX/XXXX and the Attorneys General to pursue legal action if you guys continue to not follow proper credit reporting laws.
The presence of this inquiry and derogatory account is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within 30 days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry from my report. I also request a description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this re-investigation.
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well and is due to be provided within 15 days of the completion of your re-investigation.
Thank you respectfully. Seriously, thank you.
XXXX XXXX '' Please help me get this fraudulent account off my credit file. It has affected my life for way too long now.
|
10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove- able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ).
|
07/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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06/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
The Master Promissory Note ( MPN ) must contain 8- pages which incorporate an itemized list of the total amounts disbursed during my time at college. XXXX has furnished copies of the front end of the two-sided Application and MPN, and separate copies of what could be the back ends of any persons documents. Moreover, nothing links these copies reliably together. There is no information on the separate copies of the back ends that relates them reliably with the front ends of the application and MPN documents. The MPN provided appears to be fraudulently combined together as one. The MPN combines separate notes as if it were the original copies, appearing as one MPN. The information provided by XXXX, displays an MPN from XXXX endorsed in XXXX at XXXX XXXX XXXX College. Ordinarily, MPNs include the principal amounts loaned ; however, the 2nd part displays an application for an MPN signed in XXXX with 2 principal amounts. The XXXX, XXXX, claims it holds legally binding MPN. Consequently, XXXX is responsible for validating such claims and the corresponding monetary demands. In accordance with case law, ( as assignees, the XXXX XXXX and other secondary holders step into the shoes of the lender from whom they have taken the MPN notes and are subject to any defenses that the student/obligee may assert against the assignor/lender. XXXX XXXX v. XXXX XXXX of Washington, XXXX XXXX XXXX. XXXX, XXXX XXXX ( XXXX XXXX ), reversed on other grounds, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), vacated, XXXX XXXX XXXX, on reconsideration, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Based on the available information, the records were created after I withdrew from college without the existence of the corresponding lending and borrowing transactions or any other relevant documents. Such internal record creating does not create liability, the partial, front-end copies of the Application and MPN, XXXX has furnished, are financial aid applications. Based on the available information, qualifying MPN in this case do not exist at all, and XXXX does not have even the original two-sided financial aid Application and MPN documents in its possession. Based on the available information, XXXX has partial copies of irrelevant documents, created internal records and now claims ownership of an alleged debt, these documents do not contain the following information that is necessary for a document to qualify as a legally binding MPN : 1. The exact principal amount that has to be paid. An MPN must be an unconditional promise to pay. The endorsed partial duplicate of the Application and MPN financial aid document on its own is not an unconditional promise to pay, since the financial aid applicant may possibly not collect any loan at all, or may obtain the loan in the future at an unidentified point in time, in which circumstances the loan amount will be disclosed to the debtor in the Notice of Loan Guarantee and Disclosure Statement. The Application and MPN financial aid document does not affirm with certainty that the financial aid applicant will receive or has received any loan amount at all. If the applicant does not obtain any loan amount, then there is no responsibility or debt obligation. If XXXX maintains that lending and borrowing transactions occurred, XXXX must supply relevant signed documents that amount to legally binding debt instruments and unconditional promise to pay. If XXXX is the concrete legal owner of the alleged debt ; moreover, XXXX must have the original, fully qualifying MPN documents in its possession. XXXX client has yielded copies of the front end of the two-sided Application and MPN documents, and separate copies of what could be the back ends of any persons documents. Consequently, nothing connects these copies reliably together. There is no data on the separate copies of the reverse ends that correlates reliably with the front ends of the Application and MPN documents. I do not accept the unidentifiable unconnected back ends as portions of the same documents. Any person who processed these records could have created a copy of the front end of my financial aid applications, and the back end of another persons financial aid applications, and put them next to each other either accidentally or intentionally, claiming that these two copies belong together as one document. XXXX must furnish exact duplex copies of the original Application and MPN documents as requested above. However, during the 1-year long debt validation dispute, XXXX has not been able to furnish exact duplex copies of the original Application and MPN documents. Instead, XXXX sent partial copies of documents, that were made from partial copies of documents. Please ensure not to send one-sided copies, so that you create separate copies of the front and back end of the original documents. Similarly, please do not send two-sided copies that are made from copies. Such copies can be prepared by putting together two sheets of paper and photocopying both sides as if it were one document. Such exploit is equivalent to forgery. During the period I attended XXXX XXXX XXXX, I did receive financial Aid which including scholarships, loans and grants. In addition, according to my Award letter from XXXX, it does disclose I had XXXX XXXX and unsubsidized loans. However, it isnt deemed a valid award letter, due to it not indicating the total amount of assistance which includes the total amount of income. Moreover, it also does not include my signature. I received a breakdown of the payments from XXXX ; however, it doesnt appear the award letter is valid. It seems as if XXXX XXXX billing provided an award letter without a signature, which included the XXXX XXXX and unsubsidized loans. However, I didnt realize that there was a requirement to sign this letter at the time. It appears as if XXXX XXXX indicates I accepted these funds for education, then XXXX retrieved the information and started collecting payments for which I didnt obtain at college. In addition, I didnt receive an acknowledgement from XXXX that XXXX XXXX provided payment. Also, not included in the request, was a loan origination record. Moreover, SAPC provided an award letter that wasnt drafted correctly. This award letter, included a financial aid letter without a signature. After I left college, I received a letter from XXXX requesting to sign documentation to confirm the loan will pay for college. I signed the document because I thought this was the document to sign for the XXXX XXXX and XXXX loans. The service at that time was XXXX, XXXX and XXXX. For the past several years, I paid XXXX XXXX a monthly amount. I demanded an MPN from the company. They furnished information ; however, this was endorsed after I departed college. I asked XXXX to eradicate this trade-line from my credit report ; nevertheless, Equifax and XXXX allowed the aforementioned on my credit report. I requested signed loan information before I started school in XXXX AES failed to provide a signed School Certification or MPN. For that reason, I would like to have all the payments refunded that I paid to XXXX XXXX XXXX in the amount of {$16000.00}. Accordingly, I request that XXXX client furnishes copies of the following documents : 1 ) Exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists. Therefore, please have each document notary certified, stating that : 2 ) The document is the exact copy of the original document, not a copy of a copy 3 ) The copy was made in the presence of the notary who certifies it. 4 ) Which company or organization currently holds the original document. In summary, the information provided by XXXX doesnt provide a valid Master Promissory Note, Award Letter, School Certification letter, Notice of Loan Guarantee, or disbursement, nor a receipt from XXXX XXXX XXXX paid to XXXX XXXX University, and no receipt from XXXX XXXX.
|
08/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ).
Not Proven Compliant Account : XXXX XXXX XXXX XXXX Account # XXXX
|
04/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. ( 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. ( 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. ( 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. ( 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. ( 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
05/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed b
y the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I am the consumer, natural person, made with flesh and blood.
15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY!
Furthermore!!
15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again XXXX XXXX HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file.
You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ).
Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information.
Furthermore, pursuant to Pacific Concrete Federal Credit U. v. Kauanoe, 614 P.2d 936 ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred.
Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction.
States the following ( 2 ) Exclusions.
Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate.
( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit.
( c ) The term Bureau means the Bureau of Consumer Financial Protection.
( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.
( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.
( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file.
In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ).
I am actually attempting to validate this debt.
I want to know the method of verification used.
Please answer the following questions pertaining to the accounts mentioned above.
1. Who is the original creditor?
2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted.
Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
XXXX- on the account listed above it clearly gives away ample information pertaining to the information directly related to the account. Whom is none of anyone elses concern. The late payments are to be removed immediately if they can not be validated and better yet under the open end consumer credit plan late payments are a violation of federal laws! Remove the inaccurate information at once!
The two late payments that are on all three credit bureaus are listed to be on XX/XX/XXXX. And XX/XX/XXXX. Validate this information or pursuant to federal laws remove it. Or rectify it.
|
02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no
knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state
collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to
demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept t
he statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged
in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again
call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full
accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as
well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and
prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
11/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
09/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
03/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
12/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
04/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
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Web |
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I placed a freeze with all three of the credit bureaus a number of years ago. I kept logins/security codes from when I initially placed the freezes. I have had no issues with XXXX or XXXX. I am able to easily manage my freezes with them.
About a month ago, my husband and I decided to refinance our mortgage to take advantage of the lower interest rates. After choosing a lender, I worked on unfreezing my credit. I have been unable to unfreeze my credit to date with Equifax.
I initially set up an account on equifax.com. This account requirement is new since the last time I managed my freeze with Equifax. When I logged in on XX/XX/2021, the site indicated that they were temporarily unable to see the status of my freeze and please check back later. I checked back on XX/XX/2021 later and the same message was present.
It was on XX/XX/2021 that I first called Equifax 's customer support. I was unable to navigate through the automated phone system and ended up speaking with a customer service representative. The representative asked me the usual security questions and indicated that they could not properly pull my file. They stated that I would need to fax my identification information, SS card and driver 's license, and they would fix the error within 3 to 5 business days. I faxed the requested copies of documents on the morning of XX/XX/2021.
Since they stated it would take 3 to 5 business days I patiently waited out the rest of the week. On Monday, XX/XX/2021 I checked my account on Equifax.com and my lender tried to pull my report. We were unable to. I called customer service Monday morning and received the same information I had the previous week. They tried to convince me that they did not have my ID documentation and wanted to send it again. I insisted that they had it and then magically they said they do have it but it has not been processed.
I called back on Tuesday, XX/XX/2021 in the morning. I still had trouble navigating the automated phone system and once I was transferred to an agent they could not confirm my identity/account. I insisted on being transferred to a supervisor at this point. With the supervisor, she stated that they did indeed have ID documentation and would process it that morning. She advised me to check my account on the website after XXXX my time and everything should be fixed.
I checked my account at approximately XXXX XXXX and still had the same error. I called customer service again; navigated the awful automated system, spoke to a representative and insisted on talking to a supervisor again. On this call, the supervisor recognized that the account was still not fixed. They asked more detailed identification information to access my account further. They stated that they could release my freeze through XX/XX/2021 and stated that it had been completed. I logged into my account while on the call and still could not manage my freeze status. I told the supervisor this. They said they could see the problem and " escalated the issue to '' some department. They left me with a confirmation number for releasing my freeze ( XXXX ) and a case number for the issue with the website ( XXXX ). The supervisor stated everything should be cleaned up and available by Wednesday, XX/XX/2021.
On XX/XX/XXXX, I was still unable to access my freeze information on the website. My lender was unable to pull my credit report. My lender tried again on Thursday, XX/XX/2021 with no success.
I called Equifax again on XX/XX/XXXX. I once again had trouble getting through the automated phone system and finally reached a customer service representative. I immediately requested to be transferred to a supervisor. The representative would not immediately transfer me and asked the usual security questions. Once again, this person could not confirm my identity. She finally transferred me to a supervisor. I was put on hold for nearly 30 minutes to speak with the supervisor.
Once I was connected with a supervisor, she tried to get me to fax my ID documentation in again. I absolutely refused stating that two days prior I had been told on the phone that they had received the documents. She stated she could not find them. The confirmation and case numbers from Tuesday were useless. She said she could not use them. Then she offered to email me a link where I could upload the documents to their secure site. I completed this process.
Once she received the documents and confirmed my identity she was able to access my account. She stated that my social security number was not associated with my account and other identifying information. If the lender was searching with my SSN they would not find. She stated that she would be able to add my SSN to my account. I was put on a long hold while she worked on this.
Once I was off hold she stated that she successfully added my SSN to my account. I logged into my account on XXXX to confirm this. The error message that I had received this entire time was gone and I could select to manage my freeze. However, when I selected to manage my freeze it stated that there was no active lift on my account ; my credit was still frozen.
I told the supervisor this and she put me on hold again. After a number of minutes she came back and stated that there is a glitch in the system and I would not be able to access my freeze information online. She was putting in a request ticket to get this fixed as soon as possible. She assured me my freeze was lifted through XX/XX/XXXX, even though I could not see that.
At the end of this call, the supervisor was insistent on sending me a free credit report. It would have to be by mail and would take 7 - 10 business days to arrive. She left me with a confirmation number of sending me a free credit report ( XXXX ).
On the morning of XX/XX/2021 I checked my account on XXXX again. The freeze management area is still locked ; I can not manage my freeze status. I called customer service again. This time I was able to navigate the automated system more easily ; I feel like my account identity was fixed due to this ease.
When I spoke with a customer service representative on XX/XX/XXXX, they stated they could not manage my freeze but they could see that my account is frozen. I asked to speak to a supervisor. The supervisor confirmed the same information and stated that there is something wrong with their systems and it will take XXXX XXXX business days to fix. Until then, my credit will remain frozen.
As I stated at the start, I was hoping to refinance my loan. The rates for loans have changed significantly since I started this process with Equifax. I am not sure I can secure credit now or in the future due to the " glitches '' at Equifax.
Speaking with customer service has been more than frustrating. Every time I have called I have received new and different information. I have spent more than 4 hours on the phone with Equifax in the last two weeks. Why couldn't they tell me on XX/XX/XXXX that my SSN was missing from account and try to fix it immediately? Why was it missing in the first place ; I have managed my freezes in the past?
I have been unable to collect any documentation from Equifax in regards to the status of my case. I can't get confirmation that they received the documents I sent in. When I was told that everything is fixed on XX/XX/XXXX, I asked for confirmation documentation and was told that they could not provide that. I have no evidence of what they have actually done with my account and I get different answers every time I call in.
From my experience the last three weeks, Equifax is not working for the consumers. They do not care that credit checks require timely information and not being able to access this information can seriously change the course of consumers ' lives. How can a private corporation, with whom the consumer never elected to associate with, hold so much power over a consumer?
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03/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Letter to XXXX XXXX XXXX Office regarding matter at its current status. Previously sent to CFPB and XXXX XXXX regarding Mortgaged Backed Securities Fraud, currently responses to FCRA and debt verification have come back with mixed results and disparate policy making & Needs to be investigated and the data needs to be authenticated according to the following ; Truth In Lending Act ( 15 USC sec 1641 f2 ) & Real Estate Settlement Procedures Act : " Great Day Senator XXXX, We wanted to request your attention on some recent matters that have been needing some attention & are leading to possible erosion of transparency within the financial system.
I've previously talked with you on these concerns, however the information that we requested still had not come from those we were requesting it from with your groups help on our behalf, the company still did not verify with us the appropriate information & the issue was left unsolved, this was no fault to our or your groups own, we just did not get specific enough on what we needed them to provide to us.
To resolve this, I want to share the articles that have recently been sent to NHTSA/Office of Defects Investigation & you all are carbon copied in to verify the other groups the information about this pattern as it unfolds, regarding an Auto Manufacturer who has been selling defectively made products and offering similar disparate policy on other decision makings for other products and services within the company spectrum. This along with deceptive debt collection practices within the industry, leaves some consumers vulnerable to disparate impacts of financial hardship that would go unchecked, as no one would know where the pattern of deception had infiltrated the cultural structure to ones financial decision making, one would receive undue hardship or discrimination for products/services sold to all consumers, yet would not receive due process because entities would resolve back to corporate policy & not have government accountability to ensure that the consumer was receiving similar treatment to others who had not received the disparate impact upon similar circumstances.
In a recent article done by XXXX, XXXX XXXX XXXX, XXXX XXXX has been highlighted for deceptive debt collection practices in mortgages & receiving disparate impact. The XXXX XXXX has a similar matter here. XXXX XXXX XXXXXXXX Upon reviewing some data from our correspondences with HUD and other government agencies about a previous mortgage modification matter that did not get full resolution, we wanted to provide an update regarding the pattern of practice & see of investigation into the company assisting the lender in our transaction, as they received some benefit from our transaction and also did not get held accountable during this process of requesting documentation, seeking resolution, getting similar policy when requesting assistance in general.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) was cited by a previous whistle blower who showed of deceptive practices in mortgages & they were apart of the transaction & upon requesting documentation, the company did not provide all the data when it was going through its decision makings or responses to us in its correspondences. We have its update and can provide it as it was not given to the Office of Comptroller of Currency ( OCC ) on our concern they addressed on XX/XX/XXXX. We also have correspondence where this information is impacting upon attempting to reach lender decision makings to help with the modification process. Under the Real Estate Settlement Procedures Act, which requires the servicer to acknowledge the request within 20 days and to try to answer the request within 60 days, this company has not provided all the data for the lender to make strong and impacting decisions within those correspondences and this causes more disparity and deception to continue.
I've already touched base with the above companies & feel that there are violations to the ADA Amendments Act 7 & Truth In Lending Act 15 USC sec 1641 f2, requires that these companies provide all documentation to ensure fair lending and nondiscrimination sanctions are enforced & all available options to consumer requests can be provided and not cause a disparity. This along with the other matter with a similar institution where a automobile security was implemented, these companies are requiring consumers to change to meet standards or they do not receive service & that is a violation of what is fair to all consumers. Further, they have individuals within them that are fabricating documents as cited in the following : XXXX XXXX XXXXXXXX Where employees have conflict of interest and are voluntarily causes damages to consumers and their personal financial circumstances, especially in the areas of credit reporting and accuracy. I've previously had similar situations with the Department of Education when attempting to get a loan modification, as well as with XXXX XXXX and XXXX XXXX. These disparate policies are halting a lot of individuals from getting access to the resources they need to live aw ell balanced and healthy life.
Please request that this company provide information related to previous requests for document verification as XXXX XXXX does not have the right to the property as it did not comply with all documentation requests in association with debt verification of the FCRA and the previous correspondences noted in their XX/XX/2018 letter. Further, all options available to consumer were not explored & previous decisions should be investigated.
Please hold the oversight agencies accountable for them allowing disparate impacts to effect consumers in their right to be themselves and to receive just treatment. I've referenced this letter in my attention to the Department of Transportation with regard to my Right to Travel & have included you on that correspondence. Any updates will come directly to your office.
Thank you for all your help.
Respectfully and Cordially, XXXX XXXX XXXX, XXXX '' MERS is presently needing to be investigated regarding their assistance in the transaction and verification of debt in previous correspondences to XXXX XXXX and the oversight agencies handling the previous requests,. according to information cited in XXXX XXXX the following is important to understand : " Finding the owner of a loan To find the name of mortgage-backed security that owns a loan, send the servicer a qualified written request under the Real Estate Settlement Procedures Act, which requires the servicer to acknowledge the request within 20 days and to try to answer the request within 60 days. HUD has a sample letter available online. Be sure to keep the request focused ( long requests may be considered unqualified ) and ask for the full name of the security or trust that owns a loan. In the letter, you can also reference the section of the Truth in Lending Act ( 15 USC sec 1641 f2 ) that says : Upon written request by the obligor, the servicer shall provide the obligor, to the best knowledge of the servicer, with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation.
Alternately, foreclosure notices typically have the name of the trustee and the security listed on the letter or in the supporting documents. Keep in mind that the names of the securities are complicated. For example, the trust that owns the mortgage of XXXX and XXXX XXXX of Louisiana ( mentioned in our story on investor-related denials ) is called XXXX XXXX Asset Backed Certificates XXXX. '' Without fair policy regarding these matters, there is disparate impact that occurs in neighborhoods because people are not getting fair access to all of their citizenship rights and their right to be treated fairly in consumer related transactions.
Thank you for all your help regarding this matter.
Cordially, XXXX XXXX XXXX XXXX
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03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426- chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and otherwise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
10/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426- chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and otherwise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
07/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation
because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Before I actually get into my complaint letter that I will upload to you I have to say a few extra details about my dealings with this company. First of all they repossessed my car AFTER I had already made an arrangement to pay my car note as I had moved and got a new job. I was forced to pay them XXXX dollars upfront to get my car out of the repossession status and my car note is actually {$520.00} a month. In addition to paying the XXXX XXXX XXXXXXXX to locate my car at a local pound as well as actually paying the pound. I missed 2 days of work trying to get my car back because the pound stated that they did not open until after XXXX and then to find out that I had to pay XXXX first to get the car released wait 24 hours and then go back to the pound where my car was with a slip stating I had made said payment. As time went on I made the payments and I did have to make partial payments at time but with all the money I had to pay in that situation alone I always stayed behind. Moving forward to this past evening of XXXX XXXX XXXX I currently live in XXXX, XXXX and they sent someone to my home without any notice to repossess my car yet again. I had to sit in my car and explain my rights to an aggressive man trying to take my car and in the end I had to pay him {$100.00} cash for him to put my car down even after showing him I had just made a XXXX dollar payment while sitting in my car. The man stated that he had to talk directly with the company to get a confirmation number even though I had it available to him on my phone in my hand! He also was blocking the driveway off from my neighbors causing more public embarrassment as people where trying to come home or leave for work! He said he would not move his truck until I got out of my car. Meanwhile I called XXXX XXXX 5 times on speaker phone selecting different options for them all to say that they were closed! How can you send someone to repossess a car and require them to call for payment but no one is available to verify? So if I didn't know my rights I would have made a payment and had my car taken on the same night all for me to go through what I did before when my car should not have been up for repossession anyways. My payments have been on autopay at {$150.00} a week since XXXX and now all of a sudden it is not on autopay. Furthermore I looked at the agreement and they made me pay a XXXX dollar down payment and also pay XXXX for a warranty I knew nothing about in addition to the actual cost of my car being {$19000.00} but the finance charge is {$15000.00} at 22.99 % APR!! This is very unfair practices now I will let my letter to XXXX, CFPB and the XXXX explain how this has affected my life and my family 's life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : ACCOUNT # XXXX ( XXXX XXXX XXXX ) RE : ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) Make Of Car : XXXX Model : XXXX XXXX # : XXXX To Whom It May Concern : I recently obtained a copy of my credit report, due to me trying to obtain business capital for my business. I noticed some accounts on my consumer report that should not be there. I demand the below accounts be deleted from my consumer report immediately. The amounts reported are inaccurate and inaccurate to the agreement notice. Also this company has changed payment dates and amounts 3 times over 2 years. In the agreement the warranty that was not signed by me charged me illegally as well as the down payment being illegal and charged a finance charge that is almost equal to the value of the car which WAS at the time of purchase {$19000.00} and the finance charge which also was not disclosed at the time of purchase {$15.00}, XXXX ( 22.99 % APR ). Insurance was not included with this finance charge either I also pay {$360.00} a month for car insurance. They did not disclose to me my rights and I did not sign all of these things that have an electronic signature on them.
ACCOUNT # XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act.
[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So, let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
I am writing in regard to the above- referenced accounts and transactions. This vehicle was purchased at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX
I have also been informed from the Federal Trade Commission ( FTC ) more specifically the Gramm-Leach-Bliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.
XXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. XXXX XXXX XXXX XXXX XXXX. Knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unafilliated third parties. XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.
You are in violations of several federal laws. You have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my consumer reports that this information is on.
Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter. I will come after you for damages and I will use the contents of this correspondence as proof of such decision.
15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 1 ) On the basis of race, color, religion, national origin, XXXX or marital status., or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any right under this chapter.
Best Regards, XXXX XXXX XXXX
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10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting 100 % correct. You are in violation Of 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( ii ) Removal of Inaccurate/Invalidated Credit Information . Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Ive sent out dispute letters, and they never sent me and evidence supporting my dispute to resolve any issues. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original wet signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if I fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.
Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. The Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.
The following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? 9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 1. Agreement with your client that grants XXXX XXXX XXXX XXXXXXXX XXXX the authority to collect this alleged debt.
2. Original wet ink Signed agreement Debtor has made with Debt Collector, or another verifiable proof Debtor has a contractual obligation to pay a Debt collector.
3. Any agreement that bears the original wet ink signature of Debtor, wherein agreed to pay Creditor.
4. All statements while this account was open.
5. Have any insurance claims been made by any creditor regarding this account?
O Yes O No 6. Have any Judgements been obtained by any creditor regarding this account?
O Yes O No 7. Please provide me the name and address of the bonding agent for XXXX XXXX XXXXXXXX XXXX XXXX, in case legal action becomes necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX & XXXX This Account is Inaccurate & I'm seeking litigation please delete it immediately.
XXXX. XXXX XXXX Account Number : XXXX This Account is Inaccurate & I'm seeking litigation please delete it immediately.
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
Sincerely, XXXX XXXX
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10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
I'm writing this letter, accompanied with XXXX pages of documents and the notes on them, that will show and will prove XXXX XXXX XXXX, having an address XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my consumer rights with total disregard of FCRA laws that were made to protect my rights and protect my good credit and XXXX scores. Reporting this collection before I had any knowledge, before given the right of disputing it and before my right to request and receive validation of this collection and most of all the unethical practice of their knowledge from the start that this collection had already been reported and the outright disrespect of being led and decieved by XXXX XXXX along the way are all clear violations of my rights and violation of FCRA laws The following written statements will give you a time frame, the actions I took to dispute, request, and the time and work I've done to prove the invalidity and incorrect information on this collection, as well as damaging my credit and XXXX scores leading me to withdrawal an offer on a home being financed with my VA loan because of the huge drop in my scores. Upon receiving information and a phone call from a representative, XXXX XXXX ext XXXX on XX/XX/XXXX at XXXX pm lasting XXXX min and XXXX seconds from a phone number having the same area code of my residence, I advised her that I will be getting documents together to prove why I'm disputing it, and will be writing a letter requesting validation and proof that this is my debt along with proof that the amount of the collection is correct and im requesting proof in the form of docs/ receipts and statements to prove the amount. I also sent docs sent to me by XXXX XXXX that required me to fill out and check my options in regards of dispute and request. Docs will show that I was given until XX/XX/XXXX to do so. On XX/XX/XXXX, 5 days after our conversation and being told more than once that this collection is in a " hold status '' and the promise that no info has been sent to the bureaus I sent a certified package to XXXX XXXX. On XX/XX/XXXX I phoned XXXX XXXX advising her that it was signed for and was in house. She advised me that the next step would be XXXX XXXX 'S Quality Control Dep't requesting Flex Deposit to prove the debt by supplying docs to prove against my docs in regards to the amount of the collection which at that time show and validates this collection was now being disputed by me for incorrect info and incorrect amount on the collection and by law requires all collection to cease and by law can't be reported while being disputed. This also requires XXXX XXXX by law to provide me with a proof of debt verification letter and a response and/or decision on my dispute of incorrect info and amount of this collection 30 days after XXXX XXXX receiving the certified letter from me on XX/XX/XXXX. From that conversation on XX/XX/XXXX I haven't had any contact via phone or mail and as of today XX/XX/XXXX I'm stil waiting for everything that she said would be provided to me. On XX/XX/XXXX I checked my XXXX and XXXX XXXX apps and was devastated to see my XXXX and XXXX scores at the lowest ever. XXXX being XXXX points down. I then phoned all XXXX credit bureaus and verified the date of XX/XX/XXXX being the date that XXXX XXXX sent the collection and the date of XX/XX/XXXX it was added to my report and ruined my credit standing. This is a clear violation against my rights and the laws by not receiving proof of the debt and not receiving any response concerning info on the findings and/or decisions regarding my dispute. I phoned XXXX XXXX on XX/XX/XXXX and with her having no knowledge of the info i found out, I asked her the status on everything,. To my disbelief she stated that 2 days ago on XX/XX/XXXX XXXX XXXX begun the process of getting all info from XXXX XXXX, 28 days after receiving my certified letter. She then advised me that my debt verification letter was being sent out by XX/XX/XXXX, the XXXX day after my certified letter and after my question of the status of wether it has been reported to the XXXX bureaus, she stated it was still " on hold '' so I'm still ok. I then told her what I knew and asked to speak to a XXXX now. After a few minutes of denial she put me on hold for XXXX min and XXXX seconds until I gave up and hung up. I called back 4 times asking for XXXX XXXX or a XXXX only to be hung up on. In closing I want to once again state that I've completed and did everything i could do to remedy this and now have no way other than taking this action and if not corrected i will seek legal action with the help of the office of Kentucky Attorney General and Legal Aid and seek a financial judgement for this collection against my credit. Please take note that in the remark section under XXXX XXXX collection the statement by XXXX XXXX stating " '' '' '' Account information disputed by consumer, meets FCRA requirements '' '' '' '' a clear admission from XXXX XXXX that I've disputed this collection and their knowledge of the fact of my dispute. And trying to protect themselves and their actions by adding meets FCRA requirements which hopefully you realize by my letter and proof of incorrect amounts on collection and as well as how it was reported and seeing that i had no chance from the very beginning and actually having every and all my rights taken away from the start. I'm so angry and stressed about this and knowing what I know mow and the way this was played out by XXXX XXXX in reporting before receiving my dispute and that the date of XX/XX/XXXX that was sent to me for my right to dispute clearly stating that if they received a call, a written statement that disputes all or part of this debt by XX/XX/XXXX that they must stop collection on any amount I'm disputing until they send me info showing proof of debt. I sent dispute and evidence in the form of docs and statements and all was received XX/XX/XXXX. They sent to bureaus XX/XX/XXXX. I was given no chance and no opportunity in this unethical reporting. All rights have been violated and this collection was allowed to be put on credit report with knowledge of dispute. Just seems wrong in every way and then finding the statement on my credit report from XXXX XXXX that states " Account information disputed by consumer, meets FCRA requirements. '' This alone proves that this collection is being disputed and must be removed from my credit report or investigated by the credit bureau. This collection contains so many violations of my rights and FCRA requirements that have not been met. I need and deserve to have this collection removed immediately and my FICO and credit score to be adjusted from fair to good immediately. Please look over docs provided and see proof that electric bill isn't mine, therefore making this collection amount incorrect as well as my proof given to me by email on XXXX XXXX portal the landlords pro rated rate up until XXXX XXXX when apartment was rented by new tenant. Its illegal in Kentucky to collect rent after unit has been re rented. Double Dipping is illegal. And the charge for a full month that he's seeking is incorrect and comes after the statement given to me and therefore is my proof of invalid wrong and disputed amount and therefore allows his charge invalid and incorrect and thsts why i know these amounts on all docs I've sent proves the correct amount and proves the validity of my dispute. I'm asking you to please give me my right to dispute and have this collection removed from my credit immediately and begin the good standing I had before all of this and most importantly please see where this has cost me a home, my credit rating and emotional stress. Please remove this collection immediately and please contact me if I can provide additional information. Thank you for your time and hopefully your willingness in the removal of this collection on my credit.
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10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again XXXX XXXX HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
account In question : XXXX bank which is listed on XXXX account number : XXXX date opened : XX/XX/XXXX high credit limit : XXXX credit limit : XXXX payment status : current, was past due 30 days two times missed payments : XX/XX/XXXX, XX/XX/XXXX this account has already been removed from my XXXX Credit file due to The " creditor '' not being able to validate the account. I highly recommend that you follow in the same footsteps.
be well aware that any action other then deletion of this account from my consumer credit file is and will be considered Adverse action pursuant to 15 USC 1681a ( k ) ( 1 ).
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04/02/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Beginning XX/XX/XXXX2022 a debt validation letter was sent to Creditor named " XXXX ''. XXXX could not verify the debt.
The original letter reads : " Validation of a Debt Request Pursuant to XXXX XXXXSC 1692g.
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Equifax or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants XXXX the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
o Yes o No Have any Judgements been obtained by any creditor regarding this account?
o Yes o No Please provide me the name and address of the bonding agent for XXXX, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information.
Thank You. '' XXXX.2022, I disputed factually the data that was being reported from XXXX. There was no response from the three credit bureaus.
original letter reads : " I am writing to dispute the following information that your company supplied to Equifax I have circled the items I dispute on the attached copy of my credit report.
This item XXXX account number, Date Opened, Last reported, Date last active, and date of last payment is inaccurate because the account number is incorrect as well as the date opened, last reported, date last active and date of last payment are reporting inconsistent information across all three bureaus. This is a violation of the Fair Credit Reporting Act.
I am requesting that Equifax have the item removed immediately.
Enclosed are copies of my credit report with highlighted inaccuracies supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item as soon as possible.
Sincerely, XXXX XXXX Enclosures : Credit Report, ID, and Social Security card '' XX/XX/XXXX I mailed out a 609 dispute letter stating that they investigate the inaccurate, inconsistent, and misleading information being reported.
original letter reads : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old.
* Please add a Promotional Suppression to my credit file.
Thank You, XXXX XXXX '' I received a letter from XXXX only. XXXX stated that the information was updated and verified. XXXX, Equifax, and XXXX did not provide any documentation as to how the account was verified.
XX/XX/XXXX I sent out a 611 dispute letter to all three bureaus and have gotten no response.
original letter reads : " To whom it may concern, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 609 ( a ) filed with on XX/XX/XXXX.
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).
Please reply within 15 days or delete the negative items, as originally requested.
Below are the items that do not belong to me that you continue to report erroneously.
1 XXXX XXXXXXXX Account can not be verified. Incorrect and inconsistent information being reported across all three bureaus. Delete immediately.
UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : 1. XXXX XXXX XXXX, XXXX XXXX, CA XXXX 2 Full name : XXXX XXXX XXXX 3. My date of birth XX/XX/XXXX Sincerly, XXXX XXXX '' My personal information was updated but I received none of the documentation that was requested. This item is causing hardship in my life because it is keeping me from obtaining credit. I am demanding that this item be removed from my credit report immediately.
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08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following :. ( 1 ) The name and address of the organization or other governmental unit alleging a debt ;. ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ;. ( 3 ) The name of the actual creditor even if that is myself ;. ( 4 ) The origin of the funds used to create this alleged claim of a debt. ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
. ( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
. ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
. ( 8 ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
. ( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
. ( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
2 ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; XXXX ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above- named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 3 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260.
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03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. ( 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. ( 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. ( 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. ( 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. ( 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. ( 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the accuracy of information on my credit report. Specifically, I am disputing the information related to XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX This account is showing as open, but it is a collection account. The creditor never sent me any paperwork notifying me that my account had been sold to a collection agency. Furthermore, according to Equifax, the payment status is unpaid, but XXXX did not report it. Equifax also did not report the last reported date, while XXXX showed it as XX/XX/2022.
I believe that the creditor and/or debt collector has violated several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). Specifically, the following sections may have been violated : FCRA : Section 609 ( a ) ( 1 ) : The debt collector failed to notify me in writing within five days of their initial communication that the debt had been transferred to them.
Section 623 ( a ) ( 2 ) : The creditor or debt collector reported inaccurate information to credit reporting agencies.
FDCPA : Section 809 ( a ) : The debt collector did not send me a written notice within five days of their initial communication, informing me that I have 30 days to dispute the debt.
TILA : Section 102 ( a ) : The creditor failed to provide me with written disclosures before I became obligated on the credit transaction, including the finance charge and annual percentage rate ( APR ).
Section 106 : The creditor failed to disclose certain information when my account was sold or transferred, including the identity of the new creditor.
FACTA : Section 312 ( a ) : The creditor and/or credit reporting agencies failed to establish reasonable procedures to ensure the accuracy of credit reports.
Section 312 ( b ) : The creditor failed to notify credit reporting agencies of any inaccurate or incomplete information and provide corrected information.
XXXX XXXX XXXX XXXX on my credit report. I have noticed several discrepancies between the information being reported by XXXX and XXXX, and I believe that XXXX XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Truth in Lending Act ( TILA ).
Firstly, according to XXXX, the account in question is being reported as a revolving account, while XXXX is reporting it as a credit card. This inconsistency is causing confusion and may be negatively impacting my credit score. Additionally, XXXX is reporting a monthly payment balance of {$0.00}, while XXXX has not reported anything. Moreover, while XXXX is reporting a balance of {$0.00}, XXXX has not reported any information regarding the account. Lastly, XXXX has reported a high credit balance of {$52000.00}, while XXXX has not reported anything.
Furthermore, XXXX XXXX XXXXXXXX has failed to notify the credit reporting agencies that the account has been closed by the consumer, which is a violation of Section 623 ( a ) ( 5 ) of the FCRA. Additionally, they have violated Section 623 ( a ) ( 2 ) of the FCRA by reporting inaccurate information to the credit reporting agencies.
XXXX XXXX XXXX, account number XXXX, all three bureaus are indicating that the payment status is charge off, however, I never received any notification from the creditor regarding this charge off account, and they have never provided any paperwork with me. This is a clear violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which requires a creditor to report accurate information to credit reporting agencies.
Secondly, XXXX and Equifax are reporting the balance as {$0.00}, but XXXX did not report anything. Also, XXXX and Equifax are reporting the high credit balance as {$21000.00}, but XXXX did not report anything. This inconsistency violates Section 312 ( a ) of the Fair and Accurate Credit Transactions Act ( FACTA ), which requires creditors and credit reporting agencies to establish reasonable procedures to ensure the accuracy of credit reports.
Lastly, there is an inconsistency in the last reported date between XXXX and Equifax, where XXXX and XXXX reported the last reported date as XX/XX/2022 but Equifax showed XX/XX/2022. This inconsistency violates Section 623 ( a ) ( 5 ) of the FCRA, which requires furnishers to notify credit reporting agencies when an account is closed by the consumer.
XXXX XXXX XXXX XXXX has reported to the credit reporting agencies regarding my account with them. I believe that XXXX XXXX XXXXXXXX has violated the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).
Firstly, XXXX XXXXXXXX XXXX reported inaccurate information regarding the payment status of my account to Equifax. Specifically, Equifax mentioned that the payment status is charge-off, but I never received any notification from XXXX XXXX XXXXXXXX regarding this charge-off account, nor did they provide any paperwork to support this claim. This could be a violation of Section 623 ( a ) ( 2 ) of the FCRA, which requires a furnisher of information to report accurate information to credit reporting agencies.
Secondly, XXXX XXXX XXXXXXXX failed to report the account as closed to Equifax, which could be a violation of Section 623 ( a ) ( 5 ) of the FCRA, which requires furnishers to notify credit reporting agencies when an account is closed by the consumer.
Lastly, XXXX XXXX XXXX did not provide me with the required written disclosures before I became obligated on the credit transaction, including the finance charge and annual percentage rate ( APR ). This could be a violation of Section 102 ( a ) of the TILA.
XXXX XXXX XXXX XXXX, account number XXXX. As a result of these violations, my credit report has been negatively impacted, causing significant hardship in my life.
According to Section 623 ( a ) ( 2 ) of the FCRA, creditors are required to notify the consumer in writing of the delinquency and charge-off status of an account within 30 days of reporting to a credit bureau XXXX However, I never received any written notification from XXXX XXXX XXXX XXXX regarding the charge-off status of my account. Additionally, Section 623 ( a ) ( 5 ) of the FCRA requires creditors to provide consumers with a copy of any documentation that verifies the debt if requested within 60 days of receiving notice of the debt. Despite my request, XXXX XXXX XXXX XXXX failed to provide me with any documentation regarding the charge-off account.
Moreover, under Section 312 ( a ) ( 1 ) of FACTA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports. However, the credit reporting agencies are reporting inconsistent information across my credit reports. For instance, XXXX is showing a monthly payment of {$0.00}, while the other two bureaus do not show any payment status. Similarly, XXXX and XXXX are showing a high credit balance of {$41000.00}, but Equifax has not reported it.
The above violations have caused significant hardship in my life. The inaccurate information has affected my ability to secure financing for a new home, and I have been declined for several credit applications. This has led to significant stress and frustration as I work hard to improve my financial situation.
Therefore, I request that XXXX XXXX XXXX XXXX removes the unverified accounts from my credit report. I urge the CFPB to enforce the legal requirements outlined in Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 5 ) of the FCRA, and Section 312 ( a ) ( 1 ), Section 312 ( a ) ( 2 ), and Section 312 ( b ) of FACTA to prevent further harm to my credit score and financial well-being.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name id XXXX XXXX, a natural person. I have filed this complaint on my belief, based on research. In accordance with the Fair Credit Reporting ActXXXX XXXX accounts # listed below have violated my rights. The parties involved in this violations are as follows : XXXX, XXXX, EQUIFAX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
The violations are as follows : 1. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith from XXXX, XXXX to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : XXXX, XXXX, EQUIFAX ( EQUIFAX XXXX XXXX XXXX ) and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX.
2. ( FACT ) 15 USC 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( FACT ) 15 USC 1681b ( a ) ( 2 ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
3. ( FACT ) 15 USC 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
4. ( FACT ) 15 USC 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
5. ( FACT ) 15 USC 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
6. ( FACT ) 15 USC 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
7. ( FACT ) 15 USC 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and Affidavit Page 3 of 5 drives my XXXX XXXX up.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received.
8. ( FACT ) 15 USC 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of an court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt.
9. ( FACT ) 15 USC 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law.
The entities have oppressed my financially and harmed my quality of life. I feel worried and depressed when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and depression created by the continuous certified mailing to all parties involved. The cost of these mailings has an large financial commitment attached to them.
10. ( FACT ) 15 USC 1681n ( a ) ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Affidavit Page 4 of 5 11. ( FACT ) 15 USC 1681 SECTION 602A and 1681 SECTION 604A Right to privacy and furnishing account details, without written instructions.
12. ( FACT ) 15 USC 1692b ( 2 ) Violation of Acquisition of Location. I am not a resident of the state, the debt collector, is established/located.
13. ( FACT ) 15 USC 1681 ( a ) ( 4 ) Accuracy and fairness of credit report ( VIOLATED ) 14. ( FACT ) 15 USC 1692g Validation of debt notice within 5 days. ( VIOLATED ) 15. ( FACT ) 15 USC 1692f Unfair/unconscionable practices.
16. ( FACT ) 15 USC 1692e False and Misleading representation. ( VIOLATION ) 17. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation.
1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be XXXX percent accurate or be removed. The credit reports differ and has information between all XXXX reports, that are completely different. ( Drastically different ) See attached credit
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10/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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12/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern,It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the "would be plaintiffs", yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance (such as perfect metro 2 format reporting) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates ,balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses , the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of it’s collection attempts and or it’s reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued (particularly for collection) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim(s) to include but not limited to the FCBA, FCRA,HIPAA PRIVACY RULE, FACTA,FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.1) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff(s) {should I forward into a civil complaint} or with the entity(ies) that allegedly issued against me the defaulted line of credit(s) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2) I have no knowledge of ever knowingly acknowledging (or even unknowingly doing so) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers (or to-be plaintiff) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiff’s statement of claim(s) and discharge of misreported delinquencies and derogatory behavior that the accuser’s complaint is undeniably unfairly lodged versus me. 3) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiff’s claims are mute of legal standing in full accordance of law and must be dismissed.4) I have no knowledge of ever entering into an open account with to-be Plaintiff(s) or with the entity(ies) that allegedly issued me the defaulted line of credit(s) or derogatory claims of credit.5) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt(s), and or otherwise derelict documentation of claim(s) inherently makes invalid the to-be Plaintiff’s whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge(s) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff(s) does so unjustly, unethically ,and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not),both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff(s) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt(s) or delinquencies of debt alleged in above noted claim(s), perfect and prove-able compliance of collection actions related to claim(s), and compliance of reporting actions related to claim(s)....................
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12/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
Today is XXXX XXXX My First and My Last name is XXXX XXXX XXXX My street number , street name, current resident city, and current resident state is : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiry ( ies ) by Original Creditors on my Credit Reports Dear XXXX XXXX In the course of recently screening my personal XXXX, Equifax and XXXX credit reports, I observed what obviously appears to be likely some unauthorized credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquirydeficientof true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX, XXXX XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquirydeficientof true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or elseannulvia full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non compliance to reporting obligations so to retain or return to appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity.If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further I am also requesting that they remove any and all of my personal information from their recordsin case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowablesuablemonetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My First and My Last name is XXXX XXXX XXXX My street number , street name, current resident city, and current resident state is : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today.
In genuine sincerity, My First and My Last name is XXXX XXXX XXXX
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01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have filed multiple disputes about my credit report with the 3 CRAs over the last 90 days, and several in the beginning of XXXX. Yet, none of the inaccurate & erroneous information has been removed from my report. Furthermore, I believe the CRAs did not conduct a proper investigation under the US Code definition.
The CRAs have violated and continue to violate several consumer protection & privacy laws governed by the FCRA, FDCPA, & and Truth in Lending Act. This inaccurate reporting continues to negatively affect my family and I. As I am trying to purchase a home to grow my family, this inaccurate information has paralyzed my ability to acquire funding, and grow my business. In addition, I have had this inaccurate & adverse information negatively affect me with employer credit checks. And sadly, it has had a detrimental affect on my mental health.
The accounts listed below have several inaccuracies and have been improperly and fraudulently investigated by the CRAs. The CRAs have violated my rights under 15 USC 1681. I have attached the most recent credit reports and dispute investigations from XXXX, Equifax, and XXXX, and I have highlighted the inaccuracies in the furnished information to the best of ability.
Furthermore, the accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
623 - 15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
There are inaccuracies with the account status, payment dates, alleged late payment dates, CARES act violations, and erroneous and adverse information has been added instead of removed on all 3 CRAs. Below are the accounts and violations detailed per account.
I am requesting the CRAs to remove the inaccurate information immediately. As it is UNVERIFIABLE AND DISPLAYS SEVERAL INACCURACIES BWTN THE BUREAUS.
I DID NOT GIVE THE DATE FURNISHERS NOR THE CRA 's permission to report any of this info. Please remove immediately XXXX XXXX - XXXX XXXX XXXX. Account number XXXX Discrepancies on late payment dates XXXX STATES IT WAS 30 DAYS LATE ON XX/XX/XXXX EQUIFAX STATES IT WAS 30 DAYS LATE ON XX/XX/XXXX XXXX STATES IT WAS 30 DAYS LATE ON XX/XX/XXXX XXXX XXXX Account Number XXXX Discrepancies on late payment dates Truist bank has added erroneous and inaccurate information to my credit file, which is illegal.
XXXX displays 2 late payment inaccuracies, which were wrongly added after the most recent investigation. It displays XX/XX/XXXX 30 days late payment and XX/XX/XXXX 60 days late payment.
XXXX displays 1 late payment on XX/XX/XXXX Equifax displays 2 inaccurate late payments on XX/XX/XXXX and XX/XX/XXXX, both show 60 days late.
XXXX XXXX Account number XXXX Equifax Displays several late payment inaccuracies, Equifax is displaying 5 late payments, as well as payment history inaccuracies which state {$0.00} throughout the entire card history.
XXXX Displays several inaccuracies that dont match any of the other credit reports, the report states I was late on XX/XX/XXXX by 30 days, which is wrong. As well as several more inaccuracies that can be seen by properly reviewing the credit report. It STATES I HAVE 6 LATE PAYENTS WHICH IS WRONG.
XXXX Also displays several inaccuracies compared to the other credit reports and previous reports furnished by CRA.
XXXX XXXX XXXX Account Number XXXX XXXX has one unknown account stated as an authorized user. And several last payment date inaccuracies, delinquency reported date, XX/XX/XXXX. Also shows 30 days late for 3 months XXXX.
Equifax also displays several inaccuracies related to late payments, date of last payment, and frivolous account.
XXXX displays 7 late payments that are inaccurate.
All 3 CRA accounts have inaccuracies for late payments and inaccurate charge off dates.
XXXX XXXX XXXX Account Number XXXX There are several inaccuracies on this account. The payment status shows Pays as agreed and account status as Closed. Which is incorrect.
EQUIFAX displays 5 late payments and show 3 late payments from XXXX that show 30 days late consecutively.
XXXX Also displays 5 late payments with 3 incorrectly displaying 30 days late consecutively from XXXX.
XXXX Displays 4 late payments and has incorrectly has 30 days late consecutively from XXXX XXXX Account XXXX XXXX This account is violating my privacy rights as I did not give XXXX XXXX permission to furnish my information. Furthermore, there are account inaccuracies that appear on the 3 CRAs.
XXXXXXXX XXXX XXXX Account Number XXXX This account has several inaccuracies and is violating my privacy rights.
XXXX Displays inaccuracies of 60 days late consecutively from XXXX.
Equifax Displays inaccuracies of 60 days late from XXXX, after displaying 90 days on XX/XX/XXXX. Also displays 90 days late on XX/XX/XXXX. All inaccurate.
XXXX Displays inaccuracies with back to back 60 days late on XXXX and 120 days late from XXXX.
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03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
On XX/XX/XXXX, our credit files ( husband and self ) were dumped with years of old files from before our bankruptcy, dropping our credit scores by XXXX points, from great-excellent to poor. This is the only thing that happened in XX/XX/2022 : I applied for a XXXX card. They said they couldn't verify me. I sent docs at their request, and I admit, I included a note with the tone of " sigh, is this really necessary, when you have my credit report, and you were talking to me several times on my home phone -- just because you couldn't send me a text, and you said that's the only way you can " verify '' people? So yes, I expressed my displeasure, and this is important. This was XXXX.
Well, they held it in pending for the second time. Both times, I was not approved because I didn't have a cell phone, and they claimed they couldn't verify me. The second time, after being passed around to different reps, the rep said, " It wouldnt make any difference ; we don't have a cell phone number for you on these records anyway '' so she was obvsiouly looking through my credit report at the time.
Several calls later, a rep told me to send ID and proof of residency to them. I sent ID and a mortgage statement from recent VA XXXX XXXX XXXX XXXX statement. They hung me up as pending for several days again and then turned me down again. When I finally got a kknowledgeable rep this time, he said the docs were invalid. I said they were not. He said they were and that the ID was too small. I said I sent a mortgage statement and property tax and that the ID was regular size and could easily be blown up in size, when he repeated the docs were invalid. I asked for a supervisor.
This was around XXXX ; the date is important. I was placed on hold and then passed to a " supervisor '' -- they were still talking -- the new person and the old and laughing together as she picked up the phone, kind of giggling, saying she was a supervisor, and I explained the problem.
She repeated that the ID was too small and docs invalid. I repeated my informatoin, and she then asked what I had sent. So all this time tellling me what I sent was " invalid, '' she hadn't known. I explained, and she said " That's not a mortgage statement. '' Now this was getting very tiresome. I had to repeat that it was, that it was from a VA loan, recent refi. By this time, I was feeling discriminated against I am XXXX. I do not use a cell phone. Asking me to send documents and then not accepting them and turning me down because I don't own a cell phone sounds like discrimination, but what makes it worse is that they would not accept a VA XXXX XXXX. I said I would send them again, but asked if she could understand my fruistration and that my docs were not invalid, perhaps just not what they accepted ( though I have no idea why not. I said I would send them again, still it would be nice if she could at least understand why this was frustrating for me. '' Her voice cold, as it had been all through the call, she rushed through these words " If-that-is-all-you-have-thank-you-for-calling-wells-fargo-and-good-night '' and hung up the phone!
Here 's why this is important. That's the only deal either of us had with a credit agency that month, since our sterling credit record the first of XXXX. And they were snotty to me, asking me to send and not accepting what I sent -- AND they had my credit history right in front of them, so they knew my credit score and how to annoy me if they wanted to, Please don't think me paranoid ; this is the world we live in now. the doument dump into our file occured just after this on XX/XX/2022. Suddenly our score, STARTING WITH MINE, WENT DOWN XXXX POINTS at one agency, then my huband 's went down, then it was at all three agencies. We went from Great-excellent scores, getting any cards we wanted to " poor '' getting turned down for everythiing after that.
As proof, with our records identical, my husband was approved for a XXXX card from XXXX XXXX before this happened. After the dump, I was denied -- - not even approved with a lower limit -- and we were both denied for any cards after that. We know because our 0 % cards were expiring and we were seeking to replace them, so this happened at the exact worst time. And I think somebody with access to credit records, who felt annoyed by someone " not even smart enough to have a cell phone '' as they probably saw it -- and somebody who thought it was a joke to pretend to be a supervisor on a problem call -- dumped this info in our files.
Here 's what it consisted of. Records under my maiden name, which I haven't used in 25 years. Addresses and phone numbers from that long ago, from before everything was wiped out in our bankfuptcy, Various spellings of our names. It appears that in XX/XX/2022, we had excellent credit, but in ONE WEEK, We wen t out and opened a bunch of new accts, had late payments, opened and closed accts, ran up our balances, didn't pay off some accts at all, and dismissed others in bankruptcy.
Example. When I read our credit report in XXXX it said " Your earliest credit report is NOT recent -- - it was long enough ago that this is no problem! Good going!
Same question the end of XXXX read : " Your earliest account was opened too recently. You need to hold on to some of your accounts for awhile. XXXX your credit record will go up. '' I tried to complain at XXXX, the first agency reporting it wrong. The guy could barely speak XXXX, but got huffy with ME, asking for the NAME of the " early credit company '' if I wanted to file a dispute about it. I'm trying to explain " How could I know that? This is, in the first place, a baseless charge, and in the second, I don't know what account they were even referring to? So he said he couldn't help me.
So here we sit, with our credit that we worked for approx 12 years without one late payment -- RUINED. " poor '' is what it says at every agency for both of us. There's no way we can file ordinary disputes. What's going on with our accounts is too complex ; it doesn't fall into the category of " This one acct is reported incorrectly ; tell us, and we'll fix it if we decide it's wrong, '' and that's the only thing the XXXX XXXX XXXX was able to hhelp anyone with.
I first filed this against transunion and XXXX XXXX, who turned me down and who were holding my husband 's acct in their " fraud dept '' because of all this craziness -- we just finally got it out of " fraud '' so we could transfer a balance to it last night. We've been working on this for months now ... not meaning to claim/blame emotion, but seriously, my anxiety levels are so high that I've had to see a doctor and get medication, and I'm still ( as you may be able to tell from this ) furious and sad, feeling like crying and yelling at somebody, unable to concentrate on anything and frankly, unable to think of anything but how it looks like some kids at a banking institution decided it would be fun to mess with us, so they did,., Nope, no proof, but how else can we explain scores dropping XXXX points in a month -- ( the XXXX guy read off his script " Please remember that credit scores are dyname and subject to change, '' and I just wanted to laugh. This is from excellent to poor, from the second quintile from the top to the second quintile from the bottom in one month. If people weren't all so algorithm-reliant and poorly-educated these days, they'd see immedialtey that this just doesn't happen. And to have our score reflect how we were doing 12 years ago, not how we were doing the first of XXXX? Just not fair!
Please help us! ( BTW, this has crashed twice ; first time I've gotten all the way through this. What a relief. ) Yes, I DO want this printed so others can see what people or just fate ( since I have no proof of people, just awfully suspicious dates and circumstances. ) can have in store for you
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03/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426- chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and else wise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. XXXX XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
2. XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
3. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
4. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
5. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
6. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
7. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
8. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
9. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
10. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
11. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
12. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
13. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
14. XXXXXXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
15. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
16. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
17. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
18. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
19. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
20. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
21. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal complaint against several creditors whose actions have egregiously violated the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ), 1681i, and 1681g. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to take swift and effective action to address these violations and enforce the pertinent legal requirements.
The impact of these violations on my life has been profound, causing immense emotional distress and hindering my ability to pursue financial goals. To provide context, I would like to share a deeply personal experience that underscores the severity of these violations.
I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.
The following creditors and account numbers have been identified for violations of the Fair Credit Reporting Act : XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXXXXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXXXXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b XXXX XXXX XXXXXXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX Violation : Unauthorized Credit Pull - FCRA Section 1681g XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXXXXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX | XX/XX/XXXX : Account number : XXXX Violation : Unauthorized Credit Pull - FCRA Section 1681g XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) The impact of these violations on my life has been profound, causing immense emotional distress and hindering my ability to pursue financial goals. To provide context, I would like to share a deeply personal experience that underscores the severity of these violations.
[ Share a detailed and emotional personal story about how the inaccurate information on your credit report has affected your life. Describe the financial challenges, emotional turmoil, and opportunities that have been lost due to the violations. Highlight how these inaccuracies have impacted your ability to secure loans, employment, housing, or other important life aspects. ] These actions have not only damaged my creditworthiness but have also shattered my confidence and sense of security. It is difficult to express the emotional toll this has taken on my mental well-being. I implore the CFPB to consider the human aspect of these violations, beyond the mere legal framework.
In light of the violations detailed above, I respectfully request the following actions to be taken : Conduct a thorough investigation into the inaccurate information reported by the creditors listed in my complaint.
Enforce the relevant sections of the Fair Credit Reporting Act ( FCRA ) and any other applicable laws to hold the creditors accountable for their actions.
Require the removal of all unverified and inaccurate accounts from my credit report. These inaccuracies have led to unwarranted denials and adverse decisions impacting my financial health.
I firmly believe that by addressing these violations and ensuring fair and accurate credit reporting, the Consumer Financial Protection Bureau can make a significant positive impact on my life and the lives of countless others who are facing similar challenges.
Thank you for your time, attention, and dedication to upholding consumer rights. I am hopeful that the CFPB will play a vital role in rectifying these violations and promoting fair credit practices.
Sincerely, XXXX XXXX XXXX
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09/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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EQUIFAX AND XXXX XXXX NEED TO REQUEST THE TOTAL CASH PRICE XXXX XXXX XXXX GOT FOR THE VEHICLE.PLUS HAVE THEM CORRECT THE DUE THAT WAS APPROVED FOR XXXX OF THE MONTH. THE DUE DATE WAS NEVER LEFT AT THE XXXXTHE RETROACTIVE REQUEST OF THE LEDGER BALANCE WAS NEVER COMPLETED PRIOR TO THE UNAUTHORIZED INVOLUNTARY REPOSSESS THEY DID BEHIND THE CORPORATE OFFICE DURING A OPEN INVESTIGATION TO CORRECT THE DUE DATE, BALANCES, INTERESTES, UNAUTHORIZED FEES COSTS DUE TO THEIR MISHANDLED OF THE THE ACCOUNT.THESE CREDIT COMPANIES NEED TO HAVE THEM FURNISH THE CORRECT AMOUNT RECEIVED CASH FROM DEALERSHIP BASED ON THE LEASE INCEPTION CASH COSTS NOTED ON THE LEASE CONTRACT OF {$2500.00} MINUS ALL THE LATES FEES, INACCURATE INTERESTS CHARGES FOR THE DUE DATE NOT BEING CORRECTED FROM XX/XX/XXXX AS BEEN REQUESTED SEVERALLY BY THE FINANCE MGR AT XXXX XXXX XXXX NAME XXXX XXXX XXXX/ XXXX ALL MGRS CALLED NUMEROUS EMAILS ABOUT THE INACCURATE DUE DATE NOT CORRECTED. SEVERAL PHONES CALLS, DATES AND TIMES THROUGHOUT THE LEASE BEEN INCEPTION FROM XXXX.WE CALLED AGAIN ON XX/XX/XXXX @ XXXX EVEN BEFORE ACCOUNT WAS FUNDED.THEY REFUSED TO TAKE BACK THE CAR AND IT WAS LESS THAN 72HRS AS WELL.THEY TOLD THE DEALER THEY WILL GET IT CORRECTED AND THE NEW DUE DATE WILL BE XXXX ONGOING SET FOR XXXX OF EACH MONTH.YET, THEY MISHANDLED THE ACCOUNT WITH LOTS OF INACCURACIES AND REFUSED TO FURNISH THE EXACT AMOUNT VEHICLE SOLD FOR AT THE ACTION.NO RESPONSE OF THE EXACT AMOUNT, MINUS ALL UNAUTHORIZED FRAUDULENT REPOSSESS FEES AND COST THAT WAS DISPUTED TO THE FRAUD DEPARTMENT AT XXXX XXXX XXXX EVERY MONTH ABOUT THE INACCURACIES OF THE FRAUD REPORTING AND THE CREDIT HISTORY IS NOT CORRECT AT ALL. IF THEY LIED AND PLACE {$38000.00} AS ORIGINAL LEASE CONTRACT AMOUNT.WHICH THE LEASE RESIDUAL VALUE REPORTED IS {$25000.00} WHICH BY LAW MUST BE HALF OF THE THAT AMOUNT IF ITS A LEASE NOT A FINANCE VEHICLE.THEY BEEN IGNORING ME.THEY STILL HAVE XXXX REPORTING THE INACCURATE LEAEE AMOUNT OF {$38000.00} THEN THE VEHICLE WAS SOLD FOR OVER {$36000.00} AS THEY STATED OVER 3MTHS NOW. YET, THE TRADE LINE IS NOT REMOVED OFF MY CREDIT WITH ALL THE INACCURATE LEDGER HISTORY EVERY MONTH.DUE DATE WAS NOT FIX, RESIDUAL AMOUNT OF LEASE {$25000.00} NOT {$38000.00} IF FINANCED.THE CORRECT LEASE AMOUNT AND DUE DATE STILL NOT REFLECTING ON CREDIT SINCE ITS A LEASE.FILED SEVERAL FRAUD DISPUTES WITH THE COMPANY REF # WAS GIVEN AND NO RESPONSE OF HOW MUCH THE VEHICLE WAS ACTION FAR.PLACE THE FRAUD DISPUTE AGAINST THE FRAUDULENT UNAUTHORIZED CHARGES BEEN IGNORED.THE REF # XXXX WAS GIVEN TO XX/XX/XXXX @ XXXX BY A XXXX STATED IF THEY REFUSED TO RELEASE THE TITLE TO XXXX XXXX XXXX TO PURCHASED BACK THE LEASE CONTRACT TO CORRECT THE DUE DATE AS PROMISED FROM XX/XX/XXXX THEY WILL COME AND GET THE CAR WHICH WOULD BE A VOLUNTARY IF THEY NOT ALLOWING THEM TO REPURCHASED THE VEHICLE AT {$42000.00} INCLUDING {$8000.00} IN REBATES TO HO INTO ANOTHER VEHICLE.THEY AGREED THEN ASKED FOR MORE TIME TO GET THE ACCOUNT LEDGER CORRECTED WITH THE CORREVT DUE DATE OF XXXX OF EACH MONTH AND RETROACTIVE ALL DUE DATE STARTING XXXX.XXXX XXXX TOOK OVER THE HANDLING OF THE ACCOUNT PROVIDED HER DIRECT CONTACT # XXXX ASKED THAT WE BUY HER SOME TIME TO CORRECT THE CORRECT PAY OFF WITHOUT ANY LATE FEES, INACCURATE INTEREST CHARGES, WILL ALSO PUT THE 2MTHS IN THE BACK OF LOAN TO BROUGHT THE ACCOUNT STATUS CURRENT WITH THE REPORTING AGENCIES IMMEDIATELY.XX/XX/XXXXSHE ASKED TO GIVE HER MORE TIME AND THAT WE DON'T OF TO DO A CONTRACT BUY OUT OR VOLUNTARY GIVE BACK THE VEHICLE SINCE XXXX REFUSED TO CORRECT THE LEASE DUE DATE FROM XXXX TO THE XXXX OF EACH MONTH.XXXX XXXX NOTED AND STATED SHE SEE HOW MANY TIMES IT WAS REQUESTED ON THE ACCOUNT AND WAS NOT COMPLETED PRIOR TO THE NEXT MONTH TO AVOID ANY LATE FEES AND LEDGER CORRECTION.XXXX NEVER CALLED BACK AS PROMISED ON XX/XX/XXXX THAT MONDAY AS SHE REQUESTED WE MUST GIVE HER TIME TO CORRECT THE ACCOUNT STATUS.SHE DID IN FACT BROUGHT THE ACCOUNT STATUS CORRECTED WITH BUREAUS BUT THE LEDGER BALANCE AT THAT TIME WAS STILL INCORRECT.THEN SHE CLAIMED SHE LEFT NOTES FOR HER HIGHER SUPERIOR TO PUT THE 2MTHS FOR XXXX XXXX AT BACK OF THE LEASE CONTRACT TO BUY THEM TIME TO RETROACTIVE THE DUE DATE BACK TO XXXX AND CHANGED IT REFLECTING NEXT PAYMENT DUE XXXX.INSTEAD THEM WENT BEHIND EVERYTHING WAS TOLD TO US ON XXXX & XXXX & XX/XX/XXXX XXXX XXXX STATED ON THE LEASE ACCOUNT WITH XXXX ABOUT THE ENTIRE ACCOUNT HAVE BERN MISHANDLED AND BALANCE NOT CORRECTED WITH DUE DATE, INTEREST COST OF TO BE ADJUSTED BASE ON CORRECT DUE DATE REFLECTING XXXX NOT XXXX.NOBLATE FEES, NO UNAUTHORIZED REPOSSESS FEES EITHER MUST BE CHARGED.MINUS THE {$36000.00} THE CAR WAS ACTION FOR.YET, THE DISPUTED FRAUDULENT UNAUTHORIZED CHARGES CHARGED AFTER THE VEHICLE WAS PICKED UP INVOLUNTARY BEHIND THE CORPORATE PERSON NOTES AND INSTRUCTIONS LEFTED.XXXX XXXX SERVICES IS AND MUST BE HELD LIABLE FOR ANY EXCESS CHARGES OR FEES THEY COSTS UPON THEMSELF FOR GOING BEHIND THE CORPORATE MGR XXXX XXXX STATED NOTES TO CORRECT THE ACCOUNT.I AM NOT LIABLE AND WILL NOT BE LIABLE FOR XXXX XXXX NEGLECT ON TBIS ACVOUNT THAT BEEN IGNORED, MISHANDLED AND WAS KEEP REFUSING TO COMPLETE THE DUE DATE CHANGE ON THE ACCOUNT FROM XXXXAND ALL THE ONGOING DATES AND TIMES WE CALLED AND EMAILED AS WELL FROM THE FINANCE MGRS AT XXXX XXXX XXXX.STILL NO RESPONSE OF THE UPDATED XXXX BALANCE AND THE TRADE LINE NEED TO BE REMOVED ASAP OFF THIS ACCOUNT IMMEDIATELY.NOT LIABLE AND WAS NEVER PASTED DUE, NEVER LATE, NOT LIABLE FOR WRONG DUE DATE REPORTINGS TO THE 3 CREDIT COMPANIES EITHER.THEY NEED TO REMOVED THIS TRADE LINE IMMEDIATELY OFF MY CREDIT. PERIOD.ASAP.ITS BEEN OVER 3MTHS ONGOING I FILED A DISPUTE WITH 3 CREDIT COMPANIESNAND XXXX REQUESTING THAT THIS INACCURACIES OF LATE MARKERS AND FRAUDULENT UNAUTHORIZED REPOSSESS REPORTING BE REMOVED.REF # XXXX WAS GIVEN AND THEY SAY THEY WAS NOT GOING TO COME FOR THE VEHICLE AT XXXX XXXX INSTEAD THEY WILL FIX THE ACCOUNT DUE DATE AND CREDIT REPORTINGS.THEN THEY WENT BEHIND CORPORATE NOTES BY XXXX XXXX DIRECT PHONE # XXXX WHICH WE CALLED SEVERALLY FOR UPDATES AND SHE NEVER RETURNED THE CALLS AFTER XXXX.YET, SHE CLAIMING THAT THEY SHOULD NOT HAVE PICK UP THE VEHICLE AND PUT NO INVOLUNTARY REPOSSESS ON MY CREDIT.TIRED OF THIS FOOLISHNESS AND UNETHICAL BEHAVIOR WITH NO PROPER INVESTIGATIONS TO GET THE BALABCE TO XXXX BALANCE SINCE THE VEHICLE WAS SOLD FOR MORE THAN WHAT WAS OWED. MINUS ALL DEPOSITS AT SIGNING FOR LEASE WITH OVER 8PAYMENTS THEY RECEIVED.SUBTRACT OVER {$36000.00} CAR SOLD FOR MINUS FROM THE ORIGINAL WRONG AMOUNT REPORTED ON CREDIT XXXXOF {$38000.00} INSTEAD OF THE RESIDUAL AMOUNT OF $ XX/XX/XXXXSINCE ITS A LEASE NOT A FINANCE VEHICLE.BY LAW ITS STATES WHEN ITS A LEASE THEY CAN NOT REPORT THE FULL CONTRACT AMOUNT OF THE VEHICLE AND ITS NOT FINANCE.IT WAS A LEASE NOT A FINANCE.PLUS THE VEHICLE WAS NEVER REPOSSESS THEY INVOLUNTARILY SOLD IT BEHIND THE DEALER AND XXXX CORPORATE MGR XXXX XXXX @ XXXX BACK AND IT WAS NEVER A ANY FAULT OF THE CONSUMER DUE TO THEIR INCOMPETENCIES MISHANDLED THE ACVOUNT FROM INCEPTION AND IGNORING ALL DUE DATE REQUESTES AS PER XXXX XXXX.I AM NOT LIABLE AND SHOULD NOT BE.THEY MESS UP AND MUST TAKE ACCOUNTABILITY FOR THEIR AGENTS INCOMPETENCIES NOT BLAMING THE CONSUMER FOR THEIR INCOMPETENCIES.REMOVED THE COMPLETE TRADELINED OFF ALL CREDIT PLATFORMS AND XXXX BALANCE THE ACCOUNT SINCE THIS CONTRACT SHOULD BE NULL AND VOID SINCE THEY VIOLATED THE ENTIRE CONTRACTS LEASE TERMS AND CONDITIONS THAT WAS LISTED.IMMEDIATE EFFECT OF TRADELINE REMOVAL REQUESTED OFF MY CREDIT HISTORY.DO N'T OWE OR LIABLE FOR NO BALANCE TO XXXX XXXX XXXX NOR THERE AFFILIATES PERIOD! XXXX BALANCE OWED.NOT LIABLE FOR THIS FRAUDULENT UNAUTHORIZED ACCOUNT LEDGER HISTORY FROM INCEPTION UNTIL SOLD FOR OVER {$36000.00} PLUS ALL PAYMENTS AND DEPOSITS THEY RECEIVED.THEY OWE ME. I DON'T OWE NO ONE NOTHING AND THIS VEHICLE.
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09/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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XXXX, XXXX and Equifax all have sent out notices in the mail addressed to the Corporation/Person of XXXX XXXX XXXX which constitutes identity theft to 15 U.S.C. 1681a ( 3 ) ( 4abc ) -definitions ; rules of construction ( 3 ) Identity theft-means a fraud committed using the identifying information of another person which is the corporation that the Natural Living Man is the beneficiary over and is not liable for any of its debts which are obligations of the United States Corporation pursuant to 18 U.S.C. 8- The United States is in debt to the beneficiaries and has not paid back all the credits loaned out by the beneficiaries who are the original creditors.15 U.S.C> 1681m ( 4 ) ( a ) ( b ) ( c ), ( 4 ) Identity theft report-the term identity theft report has the meaning given that term by rule of the bureau, and means, at a minimum, a report ( a ) that alleges an identity theft ; ( b ) that is a copy of an official, valid report filed by a consumer with an appropriate federal, state, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the bureau ; and ( c ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. If Natural Living Men and Women stop giving credit everything shuts down completely and the Consumer Reporting Agencies already had database information established on babies before birthed because those babies are in fact the assets so this debunks the fictitious misleading information that Lawful Men and/or Women owes any debts. The Natural Living Man isnt the corporate name/strawman that he is the beneficiary and that name is backed by corporate paper which was registered, incorporated and traded on. The consumer reporting agencies openly admitted to identity theft because the letters have items listed on consumer report which violates permissible purpose of consumer report pursuant to 15 U.S.C. 1681b, failure to investigate pursuant to 15 U.S.C. 1681d-disclosure of investigative consumer reports, unauthorized use of the social security card pursuant to 15 usc 1602p , fraudulent use of credit cards pursuant ; penalties to 15 U.S.C. 1644a, violation of the privacy act of 1974 pursuant to 5 usc 552a-disclosure of social security number, violation of 42 U.S.C 408-penalties for altering and selling the social security card name and account number, violation of 15 U.S.C. 1681i-procedures in case of disputed item, failure of disclosure to consumers regarding the social security pursuant to 15 U.S.C 1681g and 31 C.F.R. 1.32-full disclosure of the social security number when in fact the consumer reporting agencies are financial institutions that get paid from the unauthorized use of the social security number. The only way for items to be reported on consumer reports only stems from identity theft and fraud because the alleged third party debt collector alters and sell the social security numbers to consumer reporting agencies without permission or written consent by consumers to do so and according to truth in lending consumer reporting agencies are financial institutions. If debt collectors buy and sell debts that means that such debts are paid for in full and constitutes debt collectors buy and sell their own debts which is Ludacris. These consumer reporting agencies are willfully and knowing uttering counterfeit documents of falsified information pursuant to 18 U.S.C. 1001- ( a ) Except as otherwise provided in this section, whoever, in any matter within the jurisdiction of the executive, legislative, or judicial branch of the government of the United States , knowingly and willfully- ( 1 ) falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; ( 2 ) makes any materially false, fictitious, or fraudulent statement or representation; or ( 3 ) makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or fraudulent statement or entry. Corporations can only interface with other corporations which means that any corporation or consumer reporting agencies using the mail system to convey letters of debt constitutes mail fraud pursuant to 18 U.S.C 1341-frauds and swindles when such counterfeit documents are suppose to go to mailboxes of the United States Corporation ( 28 U.S.C. 3002 15a ). Such dishonesty violates 15 U.S.C. 1692e-false and misleading representation especially when The Natural Living Man is the real debt collector.
Other Violations : 15 U.S.C. 1611-willfully and knowing violation 15 U.S.C. 1640-civil liability 15 U.S.C. 1692k-cilvil liability 15 U.S.C. 1681m ( f ) ( 1 ) -prohibition on sale or transfer of debt caused by identity theft ( 1 ) No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
15 U.S.C. 1681c-2-block of information resulting from identity theft 15 U.S.C . 1681n-Civil liability for willful noncompliance 15 U.S.C. 1681o-Civil liability for negligent noncompliance 15 U.S.C. 1692g-validation of debt.
15 U.S.C. 1681e-Compliance procedures ( a ) Identity and purposes of credit users- Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title 15 U.S.C. 1666 ( b ) -billing error ( b ) failure to refund any part of the amount of the remaining credit balance, upon request of the Man; and ( c ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone.
All three consumer reporting agencies failed to investigate United States Department of Education whove attempted to convey fictitious debts on the Man yet the President of The United States Corporation has made positive on its debt which serves as proof that such debts are obligations of the United States. Employees of consumer reporting agencies failed to provide proof that the consumer gave them written permission and consent to report items on the consumer reports therefore all addresses, employment and anything reported must be deleted at once because the consumer reporting agencies are in fact in violation of 15 U.S.C. 1681b ( e ) ( 1 ) -A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
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05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/1975 Dear Sir/Madam, I hope this letter finds you well. I am writing to urgently address a matter of grave concern related to my credit report, which has left a profound impact on my financial stability and overall well-being. I am turning to the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in enforcing my legal rights and rectifying the egregious violations that have occurred.
Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and fair information represented on my credit report. Regrettably, my interactions with multiple creditors have revealed serious transgressions that have resulted in inaccuracies and unverified accounts marring my credit history.
Here are the specific violations that have taken place : Inaccurate Reporting - XXXX ( Account Number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information.
Inaccurate Reporting - XXXX XXXX ( Account Number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information.
Unrecognized Account - XXXX ( Account Number : XXXX ) : Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file.
Inaccurate Reporting - XXXX ( Account Number : XXXX ) : lease correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information.
Inaccurate Reporting - XXXX XXXX ( Account Number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information.
Unrecognized Account - XXXX ( Account Number : XXXX ) : Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file.
Unrecognized Account - XXXX XXXX ( Account Number : XXXX ) : Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file.
Unrecognized Account - XXXX XXXX ( Account Number : XXXX ) : Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file.
Incorrect Personal Information - XXXX XXXX XXXX XXXX XXXX CA XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violation : FCRA Section 607 ( b ) Explanation : This section mandates that credit reporting agencies must provide accurate information in a consumer 's credit report and must promptly delete outdated or erroneous information.
These violations have not only undermined my legal rights but have also wreaked havoc on my personal and financial life. The inaccuracies have led to unjustified denials of credit, exorbitant interest rates, and the inability to secure necessary loans for significant life events. As a result, my ability to provide for my family, secure housing, and plan for the future has been unjustly hindered. I am constantly burdened with the weight of these inaccuracies and unverified accounts, which have taken a toll on my emotional well-being as well.
Allow me to recount a poignant incident that serves as a testament to the distress I've endured due to these violations. I recently endeavored to secure a mortgage to fulfill my family 's aspirations of owning a cherished home. Despite maintaining an impeccable credit history throughout my life, the inaccuracies and unverified accounts on my report led to the rejection of my mortgage application. The home that symbolized stability and happiness for my family is now tragically out of reach, solely due to information that should never have marred my credit report. This heartrending setback has left me feeling helpless and emotionally shattered.
With utmost humility, I implore the Consumer Financial Protection Bureau to intervene and champion my legal rights. I beseech you to ensure that the creditors involved rectify the violations they have committed. Specifically, I kindly request the complete removal of the unverified accounts from my credit report. This action would not only pave the way for me to rebuild my financial standing but would also restore my hope for a brighter future for my family.
I remain hopeful that the Consumer Financial Protection Bureau will heed my plea and take decisive action to rectify these violations. Your assistance in this matter would not only alleviate my distress but would also affirm my belief in the effectiveness of the consumer protection system.
I thank you sincerely for your time and consideration of this grave matter. I look forward to a resolution that will help me put this agonizing episode behind me. For any further communication, please do not hesitate to contact me at XXXX or XXXX.
With sincere gratitude, XXXX XXXX
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02/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had applied for a XXXX XXXX card over 3 yrs ago to make a 1x purchase of an expensive XXXX XXXX XXXX I needed to build my credit score, so I thought this would help. I had the money to pay for the phone and setup AUTO-PAY to make sure to achieve my goal of raising my Credit Score all of which backfired. NOT EVER USING the credit card since this 1x purchase/payoff has been ruining my credit score and effecting my ability to get a better rate on a home loan or any loan for that matter. My score used to be upwards of 825+ plus, now it doesnt go above 600!
The start of this MAIN issue : I noticed XXXX XXXX XXXX were still showing an ANNUAL Credit Card Fee. I called and spoke to a XXXX rep from the XXXX to cancel this card back in XXXX of XXXX and he assured me he would and he reset the balance owed to {$0.00}. I asked him to followup with a confirmation email that my request was followed through and to send me a snail mail letter. Neither one happened after he said he would. Since XXXX, I have made numerous calls to XXXX and spoken directly to a CSR who all confirmed it was an error of XXXX to keep sending me emails indicating a balance for an ANNUAL FEE that quickly escalated to Late Payments, which then severely effected my Credit Score. Each call over the past few years has resulted in countless fabricated resolutions from a XXXX XXXX that they took care of my cancellation request and any owed late payments/balances.
MAJOR COMPLAINT ISSUES to address regarding XXXX : Not cancelling the card per my years of requests via phone ( They do NOT have a physical address to send a dispute letter ) Inconsistent month-to-month Credit Card balances on a card that does not PHYSICALLY exist in my possession as I shredded it after the Phone purchase to make sure I never use it again. I had no use for this card other than to help increase my Credit Score, I thought.
Mysterious balances that make no sense as I can not get any hard copy statements from XXXX, even after requesting them time and again. When I call, they say it was a mistake on their end, and the next month I get a very generic email with a balance identified as {$0.00}. Then a few days later or the next month, I get another email indicating a balance that can go anywhere from {$0.00} to as high as {$140.00} or more, with no available statement records online or physical indicating what this balance refers to. They provide me with no explanation other than an error on their end. Since I am not making any purchases, they have no statements for me, I presume? Either way, when I contact them directly, in ALL cases, they say its their error and the card had been cancelled.
I had the XXXX purchase from XXXX setup on the CC as AUTOPAY and would have no reason to change it. Somehow, in XXXX and XXXX of XXXX, AUTOPAY was OFF and in XXXX and XXXX of XXXX, AUTOPAY was back up and running without my knowledge. It appeared to be taking out {$50.00} to pay for those 2 months of payments. My balance as of XX/XX/XXXX showed {$94.00}. In XXXX of XXXX, the new balance was {$79.00}. Why was a payment of just {$14.00} made to cover this balance, when {$50.00} was the minimum and what was the payment for? No one knows!
On XX/XX/XXXX, I received an email from XXXX regarding a balance of {$59.00}, then a followup email on XX/XX/XXXX ( just 4 days later ) saying that my new balance was {$9.00}, then no email for XX/XX/XXXX, then a new email on XX/XX/XXXX indicating a new balance of {$140.00}. When I called again in XXXX of XXXX and spoke directly to a rep, they said it was their error, AGAIN, and would straighten this out and cancel the card. Yet another " dead end fabricated canned response '' from XXXX during my phone conversation. After XXXX of XXXX, I did not have a CC available for them to take any funds from my bank accounts, ever as I did not update any information with a new CC number when the old one expired. I didnt need to, the XXXX was paid off and supposedly the card was cancelled on their end. Somehow they were showing payments due/payments made, yet my own BANK ACCOUNT RECORDS never indicated any funds going to XXXX.
In XXXX of XXXX, I put an offer in for the purchase of a home. When the Loan XXXX pulled my Credit Report, it had gone down from over 850 earlier that year to less than 600 due to Citibanks supposed LATE PAYMENTS. I immediately called to talk directly to a XXXX XXXX this time ( XXXX ), who would not give me his name for privacy concerns. I asked about these late payments and why this card isnt being CANCELLED per my numerous requests to do so. The conversation was quick and easy for me this time he immediately told me I see what happened here, this is definitely XXXX error and that he would talk to his manager to make sure this negative information gets removed from my Credit Report History due to the timeliness of me needing to improve my Credit Score ASAP. He briefly put me on hold to discuss my requests with his manager and said they would contact the 3 Credit Bureaus and red flag it in their system to remove the late payment information. He also promised me a letter would arrive stating that my CC would be cancelled. The call lasted less than 5 minutes and this time I was left with a sense of relief that someone finally got it at XXXX and this issue would go away for good! Most importantly, my CREDIT SCORE would not continue to be yearly damaged by XXXX with no just cause.
The letter did arrive as promised ( dated XX/XX/XXXX ) with yet another dead end result. I'm just trying to resolve these issues : Cancel this card and remove any LATE PAYMENTS/BALANCES as nothing is owed on a Credit Card that doesnt physically exist or have a way to have payments taken out from my bank account to pay off these mysterious balances. The letter stated they have researched this ongoing issue, and they have concluded that the information on my Credit Report is correct.
REMINDER : Every XXXX XXXX I have ever spoken to over the past few years ALL indicated it was a XXXX Error. XXXX letter informed me that they contacted the consumer reporting agencies to note that I am disputing their findings, and if Id like to add a note as to why, that I need to contact the agencies directly at a physical address. It appears to me that XXXX lip service of admitting fault was totally dismissed in their followup research - how and what are they following up on? How can you say you researched my simple request to cancel a card and still continue to say is has been cancelled? As mentioned, I have never used this CC for any purchases other than my 1x purchase of an expensive XXXX years ago that I only used to build my Credit Score, not tear it down as it appears to be doing.
CURRENT STATUS : The card has never been cancelled since my original XXXX request via phone.
Inconsistent mysterious balances arrive in my email every month for a card ending in XXXX the most current arrived on XX/XX/XXXX with a {$0.00} balance. How did it go from a high balance of {$140.00} in XXXX to {$0.00} when they have no access to my BANK ACCOUNTS? How did it get paid if their was indeed a legit balance?
My CREDIT SCORE is still being affected as a result of not getting any resolution for over XXXX XXXX, when every single phone correspondence from a CSR at XXXX identified that it was an issue on their end.
No physical statements or online statements are available per XXXX. If I request them online or via phone, they tell me my card has been cancelled and there are no statements. If it was cancelled, why do I still get email correspondence in XXXX stating what my current balance is? This makes no sense. In addition, they have since removed their XXXX number off their emails that says if you have any account specific inquiries, please sign on to your online account or call Customer Service.
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04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is the letter I addressed to CRA 's Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
XXXX, PA XXXX DOB : XX/XX/XXXX SSN : XXXX This is a formal complaint that you are reporting inaccurate information, you are required by federal law to conduct a reasonable investigation to determine if the disputed information is accurate or delete the item from my consumer report in accordance with paragraph ( 5 ), if you are unable to verify and validate the accounts with the original documents with my signature any negative or inaccurate information on my credit report should be removed from my consumer report in 15-30 days, this includes inaccurate late payment history. I received notification that XXXX is reporting recent late payment, this is very strange as I have nearly FOUR YEARS of good payment history. In addition there is a federal mandate to suspend student loan payments until XX/XX/XXXX. I am currently in Covid-19 emergency relief, all of my student loans are in good standing and currently paid as agreed. XXXX has had consistent payments since XXXX according to XXXX report and since XXXX other XXXX and Equifax. I do not know where you are getting your furnished information from. My credit report is very important to me and my family, as a result of your negligence my score has dropped XXXX points from XXXX to XXXX due to the improper reporting data. I am looking to purchase a home and new car, I am devastated. You are a consumer reporting agency, you have a mandate to be 100 % compliant with the Bureau the Bureau of Consumer Financial Protection ( CFPB ) and all sections and subsections pertaining to our credit reporting and consumer laws.
I have a closed XXXX auto loan account that was paid in full, this account has been reporting inaccurate amounts and inaccurate late payments. I have previously disputed and you fail to remove the late payments or correct amounts nor respond with any proper validation or verification. For reference purposes Fair Credit Reporting Act Sec, 623 XXXX, v XXXX Corporation US Court of Appeals for the Third Circuit Court Case 115 F. 3rd 220. This law is in my favor to protect my consumer rights, if I must prove it I will. I am only requesting legitimate proof of your findings or that the late payments be expunged permanently. XXXX XXXX is also reporting inaccurate closing dates, opening dates and inaccurate percentage of loan paid and no.of late payments. All of this is liable for damages in a class action lawsuit not to exceed {$1000.00} and a minimum of {$500000.00} or 1 per centum of the net worth. You have failed to maintain reasonable procedures to assure 100 % accuracy in the consumer reports you publish. Your agency is violating far too many FCRA & FDCPA laws, including in my report 15 U.S. Code 1681a-Congressional findings and declarations of purpose 15 U.S. Code 1681b-Permissible purposes of consumer reports 15 U.S. Code 1681e-Compliance Procedures 15 U.S. Code 1692e Sec. 807 false or misleading representations ( 11 ) written disclosure Public laws, amendment 111-203 ( XX/XX/XXXX ) I am well informed of my consumer rights, laws and the nature to which you should respond.
No consumer reporting agency, like Equifax, may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the information is accurate unless they have and can provide actual proof, not computer generated verification responses such as e-OSCAR. Respectfully, I expect to be provided proof of these alleged items of verification, specifically the contract, note, or another instrument bearing my signature according to the Fair Credit Billing Act, FCRA and FDCPA. Please provide the names, date and time of the furnisher used to investigate the information being reported. Highly unacceptable and my credit worthiness is being unjustly judged based on these unfortunate errors.
It is not my desire to pursue litigation but if your agency continues to list inaccurate items on my report I will aggressively invoke my right to do so starting with contacting your legal department 's general counsel, chief legal officer XXXX XXXX XXXX XXXX ( Equifax ), XXXX XXXX, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX, XXXX Attorney ( XXXX XXXX.
In addition I will forward my letter of grievance of your negligence to XXXX XXXX, director of enforcement ( CFPB ) and Pennsylvania State Attorney General, XXXX XXXX as needed to enforce my rights for actual damages and declaratory relief as these are serious violations of the Fair Credit Reporting Act and FDCPA. This will be my final warning to dispute and receive a fair response before escalating matters. CRA 's are predatory and I demand that my and all credit reporting be conducted with the diligence and ethical practices. The FCRA provides concurrent jurisdiction in federal and state courts. Under 15 U.S. Code 1681b-Permissible Purpose of consumer reports I never gave you any written consents to report anything on my consumer report. No consent statutes Identity Theft.
I have contacted the creditor and I am submitting a separate complaint with the CFPB and XXXX. It is not my responsibility but yours to know exactly what is being reported accurately and inaccurately as you state all information on my consumer report has been properly verified and should be 100 % accurate. The accounts below are reporting in error : XXXX XXXX Acct number : n/a Duplicate accounts, please remove.
XXXX XXXX Acct number : n/a Inaccurate payment history, Provide proof or remove immediately.
XXXX Acct number : XXXX See below XXXXEquifax reports accurate history. I do not want this account removed, I have 17 years payment history, I request that the account be updated correctly with payment history.
XXXX Acct number : XXXX See below XXXX/Equifax XXXX XXXX XXXX Thank You for you time and assistance in this matter, XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX Attorney General 's Office CC : XXXX Please send me an updated copy with the removed items to my address above. I also request that you send notices of corrections to anyone who received my consumer report in the past six months. See below that other credit monitoring and consumer agencies are reporting data different from yours. Please update correctly.
XXXX XXXX reported XX/XX/XXXX {$71000.00} Reported balance XXXX balance {$42000.00} You've paid off 57 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help.
OVERVIEW Highest balance {$42000.00} Monthly payment {$540.00} OpenedXXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term300 months ( 25 years ) PAYMENT HISTORY You've made 100 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX This account was closed on XX/XX/XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$9900.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$9900.00} Monthly payment {$0.00} XXXX XXXX, XXXX ( 9 yrs, 3 mos ) Term51 months ( 4 years ) PAYMENT HISTORY You've made 100 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - Thank You for you time and assistance in this matter, XXXX XXXX XXXX
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10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I still haven't received what I asked for which is my signed contract. I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting 100 % correct.
You are in violation Of 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( ii ) Removal of Inaccurate/Invalidated Credit Information . Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Ive sent out dispute letters, and they never sent me evidence supporting my dispute to resolve any issues.
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original wet signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if I fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.
Items Highly Requested 1.The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.
The following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased?
9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 1. Agreement with your client that grants XXXX XXXX XXXX the authority to collect this alleged debt.
2. Original wet ink Signed agreement Debtor has made with Debt Collector, or another verifiable proof Debtor has a contractual obligation to pay a Debt collector.
3. Any agreement that bears the original wet ink signature of Debtor, wherein agreed to pay Creditor.
4. All statements while this account was open.
5. Have any insurance claims been made by any creditor regarding this account?
O Yes O No 6. Have any Judgements been obtained by any creditor regarding this account?
O Yes O No 7. Please provide me the name and address of the bonding agent for XXXX XXXX XXXX, in case legal action becomes necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Accounts : 1. XXXX XXXX XXXX Account Number : XXXX This Account is Inaccurate & I'm seeking litigation please delete it immediately.
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this complaint m ay result in a small cl
aims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
Sincerely, XXXX XXXX
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03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I, XXXX XXXX XXXX XXXX, give this Notice as the Subrogee and Obligor, I am formally requesting that you immediately remove any late payments associated with this above-referenced account. As I am currently doing my due diligence process to ensure all guidelines are being met by Equity Doctrines, TILA, Dodd-Frank Wall Street Reform and Consumer Protection Act, and the Consumer Financial Protection Act of 2010. While this is taking place it is completely unlawful to report an account as being late. Please adhere to Title 15 U.S.C. 1666 ( a ) and 1666 ( b ). No consent has been given for adverse reporting by the surety.
Take Notice. The undersigned natural person as Surety and Trust Beneficiary, XXXX XXXX XXXX XXXX swear and declare as follows under a penalty of perjury : This notice is regarding relation in regards to Suretyship between myself and the Principal Debtor assumed name XXXX XXXX XXXX, and your organization as implied Trustee. I invoke my equitable right of subrogation regarding this debt and seek restitution. In addition, this notice is also regarding the participation in a consumer credit transaction and not a loan ; pursuant to 15 U.S. Code 1602 ( i ) ; No proof of original contract and signature, no valid debt verification, no evidence of itemized billing to distinguish finance charge, and no proof of authority to collect debt in the state of North Carolina has been received, after mailed information requests for said information. No evidence that a commercial and economic loss on the balance sheet has been provided by the listed accounts 1-11, to rectify this matter and it has yet to be resolved.
Take Notice. Any Government collections such as student loans by anyone must abide by Fair Debt collection requirements for government contracts and government-owned debts. Title 31 U.S. Code 3718 ( b ) ( 6 ) provides ( 6 ) Notwithstanding the fourth sentence of section 803 ( 6 ) of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692a ( 6 ) ), a private counsel performing legal services pursuant to a contract made under paragraph ( 1 ) of this subsection shall be considered to be a debt collector for the purposes of such Act.
Take Notice. In Newby v. Enron Corp., 188 F. Supp. 2d 684 ( S.D. Tex. 2002 ) the Court held that federal courts have the equity jurisdiction that was exercised by the English Court of Chancery " `at the time of the adoption of the Constitution and the enactment of the original Judiciary Act, 1789 ( 1 Stat. 73 ). ' '' Id. at 318, 119 S. Ct. 1961 ( quoting DOBIE, HANDBOOK OF FEDERAL JURISDICTION AND PROCEDURE 660 ( 1928 ) ). The Court further noted that regardless of the merger of the formerly separate courts of law and equity by the Federal Rules of Civil Procedure, " `the substantive principles of Courts of Chancery remain unaffected. ' '' Id. at 322, 119 S. Ct. 1961 ( quoting Stainback v. Mo Hock Ke Lok Po, 336 U.S. 368, 382 n. 26, 69 S. Ct. 606, 93 L. Ed. 741 ( 1949 ) ).
Take Notice. Equitable Subrogation is forward looking rooted in the equity maxim... equity regards done what ought to be done. Equitable subrogation is not founded upon contract, but is the creation of equity, and is enforced solely for accomplishing the end of substantial justice. It is the mode by which equity adopts to compel the ultimate payment of a debt by one who, in justice and good conscience, ought to pay. Equity delights in equality. Equity will not suffer a wrong without remedy. Equity will not allow a statute to be used as a cloak for fraud.
Take Notice. " The same equity which seeks to prevent unearned en-richment of one party, at the expense of another, by actions for reimbursement, con-tribution, and exoneration, operates here, by creating a relation somewhat analogous to a constructive trust, in favor of the subrogee, or party making the payment, in all legal rights held by the creditor, and the subrogee may proceed to enforce the trust. '' 5 POMEROY, EQUITY JURISPRUDENCE, 4th ed., sec . 2343 ( 1919 ). Lackawanna Trust Co. v. Gomeringer, 236 Pa. 179, 84 Atl. 757 ( 1912 ). Pomeroy has had in this respect a profound influence on American courts who were evidently led to conceive of sub-rogation as but another remedy for unjust enrichment ; but the early cases will hardly support sc ) broad a statement. The similarity between liens and subrogation is obvious where subrogation results in a lien. But the similarity to which we here refer lies both in the equities upon which such relief is based and in the method of enforcement.
Take Notice. Subrogation the substitution of one ( person ) in the place of another with reference to a lawful claim, demand, or right, so that he or she who is substituted succeeds to the rights of the other in relation to the debt or claim, and its rights, remedies, or securities. Subrogation. ( n.d. ) A Law Dictionary, Adapted to the Constitution and Laws of the United States. By XXXX XXXX XXXX 1856 ) Take Notice. The substitution of one thing for another, or of one person into the place of another with respect to rights, claims, or securities. Subrogation denotes the putting a third person who has paid a debt in the place of the creditor to whom he has paid it, so as that he may exercise against the debtor all SUBROGATION SUBSTANTIALDAMAGES, the rights which the creditor, if unpaid, might have done. The equity by which a person who is secondarily liable for a debt, and has paid it, is put in the place of the creditor, so as to entitle to make use of all the securities and remedies possessed by the creditor, in order to enforce the right of exoneration as against the principal debtor, or of contribution against others who are liable in the same rank as himself. See Blacks Law Dictionary 2nd Edition Take Notice. Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card and the attached records to SS account ending 4719. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.
Take Notice. Title 15 U.S. Code 1611- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Take Notice. Title 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Take Notice. Title 15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Notice to Agent is Notice to Principal - Notice to Principal is Notice to Agent.
I declare under a penalty of perjury the aforementioned statement to be true and accurate to the best of my knowledge.
/sXXXX XXXX XXXX XXXX XXXX XXXX Natural Person, Consumer, Subrogee
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08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I recently made a Complaint ( XXXX ) to the CFPB on XX/XX/XXXX XXXX XXXX illegally reporting creditworthiness information without my written consent. I mentioned all the laws therein and expressed that i will take legal action if i this problem wasn't solved. They removed/remarked the derogatory marks which i printed out as a proof of claim. I check my XXXX XXXX this morning through Equifax and they're reporting again as of today XX/XX/XXXX. I now have more proof of claim for unfair and deceptive practices against me and i will receive just compensation for the negligence of the law by these corporations in accordance with 15 USC 1681 ( n ). Which allows for { {$1000.00} } per violation, for account listed without my expressed written consent. COMPLAINT WENT AS FOLLOWS " I called XXXX XXXX XXXX Customer Service for Credit Card Holders over the course of the last week on multiple occasions. I recorded the phone-calls with consent. They also have the phone records and it links them to my account. I read them their privacy policy which will be attached below verbatim and expressed that I was exercising my right to OPT-OUT of any and all of my personal, financial and confidential information being furnished to any third party non-affiliates such as credit bureaus like XXXX, XXXX, Equifax, XXXX XXXX and XXXX. Some agents claimed they couldn't opt me out and i spoke to supervisors who said they could opt me out and made claims that they did. Yet I ordered my credit reports from all the bureaus and my information is still being illegally reported.
I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting.This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. My account displays clear VIOLATIONs of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), EXCEPT AS PROVIDED in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and XXXX, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY!
YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED.Discovers privacy policy Specifically says they cant share information on credit worthiness. Theyve been reporting 8 months worth of credit worthiness information unlawfully without my written or verbal consent and thats grounds for an {$8000.00} pay out according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation, for account ending in ( XXXX ) without my expressed written consent.
They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.
- ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at anytime.
Every discrepancy I mentioned herein is also a violation of the Privacy Act of XXXX FCRA Permissible Purpose The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information. For example, FCRA section 604, entitled Permissible purposes of consumer reports, identifies an exclusive list of permissible purposes for which consumer reporting agencies may provide consumer reports,8 including in accordance with the written instructions of the consumer to whom the report relates and for purposes relating to credit, employment, and insurance. 9 The statute states that a consumer reporting agency may provide consumer reports under these circumstances and no other. In addition, FCRA section 607 ( a ) requires that [ e ] very consumer reporting agency shall maintain reasonable procedures designed to... limit the furnishing of consumer reports to the purposes listed under section 604.10 And FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person.11 In addition to imposing permissible purpose limitations on consumer reporting agencies, the FCRA limits the circumstances under which third parties may obtain and use consumer report information from consumer reporting agencies. FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification.12 FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.13 The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. The Bureau and the Federal Trade Commission ( FTC ) have collectively brought numerous enforcement actions to address violations of the FCRAs permissible purpose provisions. 14 For example, in a case that resulted in a XXXX settlement with a consumer reporting agency, the FTC alleged that the agency violated the FCRAs permissible purpose provisions by providing consumer reports to persons without a permissible purpose, resulting in at least 800 cases of identity theft. 15 More recently, in XXXX, a group of companies and individuals settled Bureau allegations that they obtained consumer reports without a permissible purpose when they obtained consumer reports for use in marketing debt relief services.16 Also in XXXX, a mortgage broker settled FTC allegations that it used consumer reports for other than a permissible purpose when, in response to negative reviews on a website, it publicly posted information it had obtained from a consumer report about the reviewer. '' ALSO YOU CAN NOT REPORT MY CREDIT UTILIZATION AND I WASN'T THIS CREDITWORTHINESS JUDGEMENT REMOVED FROM ALL REPORTS NOW. UTILIZATION SHOULD NE BE REPORTED ON MY CREDIT REPORT. IT IS MY REPORT AND I AMD NOW TELL YOU WHAT WILL AND WILL NOT BE ON MY PERSONAL REPORT THAT IS MY PERSONAL PROPERTY AND INTEGRITY AND NO CORPORATION OF PERSON WILL INFRINGE UPON MY UNALIENABLE RIGHTS
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08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX wrongfully charged-off an account before the next statement due-date. On XXXX XX/XX/XXXX I contacted XXXX. The representative I spoke with informed me that as long as a payment was made BEFORE my next statement due date of XXXX XX/XX/XXXX my account would not be subject to XXXX. This would make sense given the billing cycle due date, commensurate per requirements under TILA/Regulation Z, was on or around day XXXX ( XXXX ) of each calendar month. My mother contacted XXXX on XXXX XX/XX/XXXX to present payment via ACH transaction. She was told by the customer service representative that no payment on the account could be made because the account was charged-off. XXXX accepted a payment from my mother using the SAME account information as previously provided that was alleged to have been returned XXXX -- " unable to locate '' in XXXX of XXXX under confirmation number XXXX. I received a payment confirmation e-mail for the XXXX XX/XX/XXXX payment -- note no notification was provided regarding processing of payment that returned XXXX in XX/XX/XXXX. On XXXX XX/XX/XXXX I received a notification that the account had been charged-off for {$8500.00}. This is despite a payment having been made on XXXX XX/XX/XXXX to prevent charge-off, and despite a due-date of XXXX XXXX XXXX. The XXXX notification stated that no finance charges or late payments would be applied to the alleged balance thereafter. As of today, XXXX XX/XX/XXXX, Equifax reports a XXXX with balance {$8300.00} and a narrative which states " Amount in high credit is original charge-off amount ''. In fact, having finished an investigation on or around XXXX XX/XX/XXXX, Equifax claims XXXX provided the information and verified the information furnished for the account/tradeline is accurate. However, if the XXXX XX/XX/XXXX notification states a charge-off of {$8500.00}, while the data furnished to the CRAs notes {$8300.00} as the original charge-off amount, then this implies the CO took place immediately after a payment was made that prevents the account from being charged-off. Thus, unlike the XXXX XX/XX/XXXX statement from XXXX that alleges a charge-off on XXXX XX/XX/XXXX, the account was charged-off XXXX XX/XX/XXXX and was done so BEFORE the statement due date of XXXX XX/XX/XXXX. The account was then likely charged-off because I'd admitted I'd contracted the XXXX virus on XXXX ( XXXX ) separate occasions that were followed by periods of XXXX that each lasted more than XXXX ( XXXX ) year. In essence I was a victim of credit discrimination and at present am being harmed due to XXXXXXXX XXXXs mismanagement of my account, ie. a failure to process payments and notify consumers about pertinent account information. The late payment and CO annotations furnished by XXXX to Equifax are based upon prohibited acts and practices to include deceptive acts and practices, unfair acts and practices, and abusive acts and practices. On XXXX XX/XX/XXXX I contacted XXXX. The representative I spoke with informed me that as long as another payment was made BEFORE my next statement due date of XXXX XX/XX/XXXX my account would not be subject to XXXX. The account was charged-off at the end of XX/XX/XXXX, before my next due date of XXXX XX/XX/XXXX. This is the epitome of deceptive as I was given information that would lead any reasonable individual to believe they had time beyond XXXX XX/XX/XXXX to authorize a payment and prevent a CO from occurring. In response to CFPB complaint XXXX XXXX acknowledges the authorization for the XXXX payment on or around XXXX XX/XX/XXXX : " We note on XX/XX/XXXX, a payment was made by a third party who identified themselves as your mother in the amount of {$190.00}. This payment was returned as Unable to Locate on XX/XX/XXXX. On XX/XX/XXXX, a letter was sent to you advising your account was closed due to lack of payment. '' In a XXXX XX/XX/XXXX phone conversation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX stated the information hed been provided to investigate the returned payment of one-hundred ninety-three ( XXXX ) dollars was simply the last XXXX ( XXXX ) of the account number, the routing number, and the XXXX error code and admitted it was this information that he conducted his investigation. As my mothers last name, also my last name, can be prone to variations in spelling, I asked if hed been able to verify the last name and first name as entered by XXXX during the XXXX XX/XX/XXXX phone payment process. He stated those pieces of information were not provided to him. This becomes evident again in the discrepancy between the alleged balance that would be charged-off on or around XXXX XX/XX/XXXX. The correct account number and routing number with verbal authorization in the amount of one-hundred ninety-three ( XXXX ) dollars was given on or around XXXX XX/XX/XXXX to prevent the account from being closed. Neither My mother nor I have control over XXXX 's processes, nor do we control XXXX 's systems and its interconnects with other financial services institutions. That is, we do not control how and with what fidelity XXXX submits XXXX requests to other financial services institutions. Thus, the account closure constitutes an unfair practice prohibited under 12 U.S.C. 5531 because the situation was not reasonably avoidable by me or my mother. We both reasonably believed that the payment would be promptly presented to the financial services institution and that the confirmation number provided by XXXX would serve as proof of payment processing. When the payment was allegedly returned XXXX, I filed a billing error notice. XXXX initiated a billing error investigation, but ceased the investigation alleging that I had not provided outstanding documentation. I filed a CFPB complaint regarding the failure of XXXX to conduct a billing error investigation. At the same time my mother authorized a second payment on or around XXXX XX/XX/XXXX, before the XXXX XXXX due-date from the SAME account, in the amount of two-hundred ( XXXX ) dollars to prevent the account from being charged-off. I have asked for is documentation regarding the billing error investigation that was allegedly conducted and reproductions of any and all, documents to substantiate that a billing error on the part of XXXX did not occur. This is allowed under 15 U.S.C. 1693f. I have received XXXX ( XXXX ) documentation in response to CFPB complaints XXXX, XXXX, XXXX. Thus I have been denied an impartial billing error investigation. In fact in a follow-up conversation with XXXX XXXX XXXX XXXX around XXXX XX/XX/XXXX XXXX asserted that by using the XXXX credit card a consumer agrees to the provisions under the card agreement, and that as a result consumers waive their rights to remedy and protection under 15 U.S.C 1693, while 15 U.S. Code 1693l is quite clear in that no writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by 15 U.S.C 1693. The account now reports with false and/or misleading information that gives the impression that I did not meet my financial obligations both to prevent the account from being closed in XX/XX/XXXX, and then charged-off sometime thereafter. The fact is I did beginning in late XX/XX/XXXX when the issues first presented ( see billing error ack. by XXXX dated XXXX XX/XX/XXXX ) and continued to do so even afer the account was wrongfully charged-off. It has been a year since and XXXX still is still unable to correct their mistakes and those mistakes continue to harm me as I am now subjected to housing discrimination and instability because the account status now flags tenant screening companies as unsuitbale to rent an apartment based upon the alleged delinquency and repeated XXXX annotations for this account.
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08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Consumer Financial Protection Bureau, Im writing you to see if you can help me resolve a issue I have with the XXXX XXXX XXXX XXXX they have allowed my ex-wife to refinance and sign a new contract to refinance the loan we had together without my knowledge and allowed her to forge my name on the new contract allowing it to destroy my credit Because of their neglect on having a notary not be present to verify the signature were of the correct people .It has been going on for several years and I have tried to work with them to no avail and not sure where else to turn. It all started with my divorce back in XXXX where the car we had bought jointly from XXXX XXXX XXXX that was a XXXX XXXX XXXX she was suppose to hold me harmless from the car and all payments well she ended up letting the car get repossessed and filed for bankruptcy now I know there is nothing you can do about that and I did take that up with the courts in the rights of my divorce decree and I filed contempt and she is being held responsible for making payments on what is owed since XXXX of last year .The part I am writing you about is like I said we did do a joint contract on the XXXXXXXX XXXX XXXX with the XXXX XXXX XXXX XXXX But after getting divorced and not speaking with my ex-wife when she let the XXXX XXXX XXXX get repossessed and filed bankruptcy The XXXX XXXX XXXX started to come after me and reported negative charge offs on all 3 of the credit Bureau and at first I was using the courts to try and get the issue resolved through my divorce decree and I did with the contempt charges as for making her have to pay them back and she is currently paying them back as of XXXX of last year. So when the XXXX XXXX XXXX XXXX started to come after me when my ex-wife filed for bankruptcy they sent me a copy of the contract to show that it was binding because my ex-wife & I signed because I had sent them info on my divorce decree showing she was suppose to hold me harmless and they sent the copy of the contract to let me know that we had signed a binding joint contract with them on the XXXX XXXX well at first I really didnt look at the contract they had sent with a lot of other papers because I thought it was the original contract that my ex-wife & I had signed at the dealership and of course I did sign a joint contract with her at the dealership before the divorce well once I actually look at the contract I realized it was not that contract from the dealership it was a refinanced contract that had her signature and mine on it and I was XXXX founded because I had never seen this contract nor did I sign it and I could clearly see that my signature and initials were forged the first thing I did was call the police to get my ex-wife for forgery the police came made a report & did a interview with her and the officer told me she would talk to the county attorney to possibly move forward with charges because what the officer felt from what my ex-wife said to her she did forge my name well since it had been so long there was nothing I could do to her about the forgery I could only file contempt with my divorce decree well I did that and sent the police report to XXXX XXXX XXXX and explained that my ex-wife had forged my signature and also sent them copies of my real signature and asked them to please remove me from this loan and remove the negative charge off from all 3 of the major credit bureaus because this new contract voided the original one and they have been affecting my credit badly because it was the neglect of the XXXX XXXX XXXX XXXX sending a contract to her new residents at XXXX XXXX XXXX XXXX XXXX XXXX to have my ex-wife sign and send back a refinance contract that they did not have her come into the office or have someone notarize the contact to verify the signature were from the correct people and Never sent anything to my address XXXX XXXX XXXX XXXX XXXX XXXX to have me sign and this is the reason I am writing the Consumer Financial Protection Bureau .XXXX XXXX XXXX XXXX has neglected my rights as a consumer we had a binding contract that was signed jointly from my ex-wife and I from the dealership but they allowed someone in the company to be irresponsible and send a new refinance contract to my ex-wife residents and allowed her to sign her name and forge my name without my knowledge & without a notary to be there to witness the signatures there for voiding the previous contract and holding me harmless from the new contract because I never agreed to anything in this new contract or did I have a chance to I should not be held responsible for something I did not even know about it was not my signature and I sent them my correct signature so they could see that the signature was forged and to remove me from this new contract and remove the negative charge offs from all 3 of the major credit Bureau and they will not they want me to prove that its a forgery where I have sent in my signature the police report and that should be enough for them to remove me from this new contract and remove the negative marks from my credit repots. It was the XXXX XXXX XXXX XXXX neglect & irresponsibility that lead to my name being forged I should not be held responsible for their mistake of sending a new contract to the customer without making sure it was notarized by someone to verify the correct people were signing the contract they should be held responsible to have my signature analyzed to the signature on the contract and they should have to pay for that because its their neglect that led to this I should not be held responsible for the mistakes and should be removed from this contract that I did not sign and XXXX XXXX XXXX should have to remove the negative charge offs for this account off all 3 of my credit Bureau thats been hurting my credit badly for the last few years. Consumer Financial Protection Bureau I am asking you to please help me try and get this issue resolved with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the account number for this new contract is XXXX please help me get this issue resolved and help me get my credit back this has hurt me financially for a few years now and it was because of the neglect of XXXX XXXX XXXX XXXX. I will send copies of the original contract a copy of the new contract with the forged signature of mine along with the police report stuff I really did sign for my house so you can see the difference of the signatures and initials and have for XXXX XXXX XXXX again and a copy of my XXXX and Equifax reports credit report to show how they are reporting and hurting my credit thanks XXXX XXXX. I truly do your able to help me with my issue .I have tried to resolve this with XXXX XXXX XXXX multiple times but they refuse to help me even though it was their neglect that caused this situation I even filed contempt on my ex-wife to make sure they got their money back & thought by helping them out they would do the right thing like I did and remove the charge offs from all 3 credit Bureau but they did not I should not be held responsible for their neglect and irresponsibility of them sending a new contract to my ex-wifes new address and not requiring a notary to be present to make sure the signatures were from the right person and XXXX XXXX XXXX XXXX should have to pay to have the signatures analyzed and once it comes back that its not my signature they should have to remove the negative remarks from the credit companies and remove me completely from the new contract because when they let here forge my name and change the term of the old contract that voided my obligation again I please ask Consumer Financial Protection Bureau to help me get this issue resolved and I thank you for any help you can provide I will have attached all the documents and what they are thank you again
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02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Bankruptcy : Discharged XXXX XXXX XXXX : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
2. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. XXXX CC : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, I recently submitted a verification of the following accounts that appeared to be unfamiliar with me. XX/XX/XXXX, Illinois XXXX XXXX XXXX, a college I attended, had a security incident whereas I and other current and former students personal information was stolen!
( see enclosed : official letter from Illinois XXXX XXXX XXXX XXXX personal information breach ) Upon further examination of these unfamiliar accounts reported by XXXX I began to check the reporting done by your company as well as Equifax and XXXX related to me and found that neither of you three are reporting consistent, accurate, and complete information. According to the FCRA, credit reports are supposed to be accurate, complete, and verifiable! There are a number of eras within the report with several unfamiliar and unverified items in particular.
My person information must be updated and consistent with the other credit reporting agencies. Your agency is the only agency reporting incorrect personal information. This inaccurate reporting of my contact and or personal information is a violation of the FCRA : 15 U.S.C 1681 In each and every category, XXXX reports Items with either completely different totals, findings, some blank from the other reporting agencies. Neither Agency in general have similar information as the other.
XXXX couldnt provide me with their methods of investigation as to the verification of the following Accounts : Acct # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Equifax XXXX Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and Equifax reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above XXXX inaccuracies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete Account : XXXX XXXX XXXX XXXX ) above account Acct # XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Equifax Date Opened : XX/XX/XXXX Your Agency as well as XXXX Date Opened dates are inconsistent with one another and I demand that this incorrect unfamiliar account be deleted at once per the FCRA : If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX Equifax Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Equifax Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and Equifax reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Account Status : Paid XXXX Account Status : Derogatory Equifax Account Status : Paid Account Status should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these XXXX categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Payment Status : Late 60 Days XXXX Payment Status : Current Equifax Payment Status : Current Payment Status should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these XXXX categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Last Reported : XX/XX/XXXX XXXX Last Reported : XX/XX/XXXX Equifax Last Reported : XX/XX/XXXX Last Reported should be consistent where we have your agency reporting one date and Equifax and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete Account XXXX XXXX These accounts could be as the result of the Illinois XXXX XXXX XXXX XXXX XXXX included in the attached documents XXXX refuses to update my contact information, with their refusal to correct my contact information subjects me further to potential fraud as I have no association with the following address : XXXX XXXX XXXX XXXX XXXX, IL 60651 15 U.S. Code 1681b - Permissible purposes of consumer reports o ( a ) IN GENERALsubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : o ( 2 ) In accordance with the written instructions of the consumer to whom it relates Further, I request to be forwarded the following proofs of verification of the above accounts, and that failure to provide me with the following documents violates my rights according to the Fair Credit Reporting Act 15 U.S.C 1681 1. Any contracts I signed with the supposed company as I never entered into any contract with any of the above account holders!
2. Any signed checks with signatures 3. Anything with my social security number 4. Pay Off Disclosure 5. Interest Rate Disclosure 6. Balance History 7. Payment History 15 U.S. Code 1681 ( 4 ) Congressional findings and statement of purpose o ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1692j - Furnishing certain deceptive forms o It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.
o ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
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07/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at www.consumerfinance.gov. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA.
Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )
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12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Your company has violated the law thats Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Excludes from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experier es between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
I have a few accounts reporting as late payments on, my credit report is illegal and should be corrected/deleted/ updated below, I included the laws that it should be looked at by CFPB to make sure that these companies have updated his and fix this error asap Account name : XXXX XXXX XXXX XXXX Account number XXXX Date opened : XXXX XXXX XXXX Late payment date : XXXX
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08/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In XX/XX/XXXX, I took out an auto loan to purchase a vehicle, from XXXX XXXX XXXX. My identity was stolen around the same time that year, which has been reported to my local police department, all of my creditors, and credit reporting agencies. Because of the cost associated with handling the identity theft, I fell behind on auto loan payments. I contacted XXXX in XX/XX/XXXX to see if their hardship department would work with me. They disagreed, and my loan was defaulted on inXX/XX/XXXX.
In late XX/XX/XXXX/ early XX/XX/XXXX, XXXX repossessed the vehicle, without any written notice. The repossession agent never left any notice that the car was indeed repossessed. I called my local police department ( thinking it might have been stolen ), and they told me to try calling my bank, and one of the officers saw " a car being towed '' while in my neighborhood for another reason. I called XXXX to see where the car was, as I had valuable and personal belongings in the car, and to ask why I never received anything in writing. They refused to speak to me, insisting that I would be sent a " Notice of Repossession '' in the mail. They then refused to give me the name and location of the repossession agent, and made it impossible to retrieve my personal belongings, all the information would be available in the letter they were sending to me.
I eventually got the " Notice of Repossession '', which simply stated the date and time that the repossession occurred, and the delinquent balance of my auto loan. I called XXXX again, as I needed to get my belongings from my vehicle. They finally provided me the address of where the car was, and gave me instructions on how I could retrieve my belongings. Theyinstructed me to bring the keys to the vehicle to surrender to therepo agent, or it would cost more for me to get the car back when I had that opportunity. I went to the location, prepared with an itemized list of my belongings to collect, and to deliver the keys to the car that I had in my possession. However, when I got there, the owner of the place denied me any access to my car or it's belongings. He wouldn't even agree to take the extra keys to the car. He said I was legally not allowed to be there, and that I would need a court order to collect my belongings. I knew this was not true, otherwise XXXX wouldn't have instructed me to go there.
The value of the items in the car were worth ~ {$1800.00}, {$700.00} of which was cash. Some other items included a pair of sunglasses, XXXX, phone chargers, CD collections, etc ... There was also a video camera that had the only videos of my sister 's wedding, and my late fathers pocket watch, which had an incredible amount of sentimental value. Those are just some, not all, of the items I neversaw again. Not being able to retrieve them angered me, so I called an attorney to see what my options were. He said there was no point in making a scene at the repo agent, and suggested I call XXXX again. At this point, XXXX refused to speak with me over the phone anymore, and insisted that they would be communicating with me through certified mail.
I spoke with the attorney further, and he explained to me that under New Jersey law, XXXX had to send me a " Right to Redeem '' notice, giving me the opportunity to pay off the loan ( or bring it current ) and the repo charge within a certain period of time. He said that If they are planning a public sale, then they must state the scheduled date of the sale ; if a private sale, then they must give me at least 10 days notice.
While waiting for this notice, I had finally gotten my identitytheft situation sorted out, which took a huge financialburden off of my back. In the first week of XX/XX/XXXX, my mother decided to gift me the money to buy back my repossessedvehicle from XXXX. This would have allowed me to repurchase the vehicle without having to leverage bankruptcy towards XXXX. I notified XXXX of this through certified letters, and over the phone. I was told that I would have to wait for the " Right to Redeem '' notice in the mail.I waited and waited, still paying insurance on the vehicle throughout this entire process. I sent a letter everyweek to XXXX, stating I wanted to make the loan current, repurchase the vehicle outright, and that I've yet to receivemy " Right to Redeem '' notice.Each timeI called, they said that I had to wait for the notice, and there was nothing they could do until then.I never got any letter from XXXX. They never sent me a " Right to Redeem '' notice.
The first letter I got from XXXX after that, came in XX/XX/XXXX. The notice stated my balance due, after the sale of the car. Infuriated, I called the attorney who helped me before, when I was unable to retrieve my belongings from the vehicle. He had me call XXXX, on a conference call. We were transferredto the escalation department, where we spoke to a supervisor, detailing the entire situation. He confirmed that the vehicle was sold in a private sale, and that a " Right to Redeem '' notice was NOT sent to me. He also confirmed the date of the sale, which was well before XXXX gave me the repo agent 's information. Meaning, XXXX had already sold my car when they sent me to the repo agent to collect my belongings from the car. That is why the repo agent denied me access. At this point, I threatened a lawsuit, because of not being able to retrieve my belongings from the vehicle, and not having the opportunity to pay off the loan. My attorney agreed that there was enough evidence to file a suit against XXXX for their negligence in the matter.
Because XXXX acknowledged their wrong doings at so many instances, they agreed to forgive the remaining balance, and close the account as " Current ''. I wasn't happy about it, as I still wanted my personal belongings, and the chance to have my vehicle back. The value they sold it for was significantly less than the market value of the car, and it was illegal for them to not notify me that they were selling the car. However, my attorney reminded me that it would be virtually impossible to get my belongings back, let alone the car, and that this was a pretty generous offer from XXXX. So we both agreed to accept the deal.
To this day, XXXX never honored this deal. I've hired other attorneys ( the original one I consulted with has since passed away ), credit repair agencies, etc.. and XXXX has yet to do anything. They have been reporting this account as " Derogatory '', " Charged off as bad debt '', and " Profit and loss write-off ''. What's worse is that they have been reporting this debt with a balance of {$4300.00}, which was originally agreed to be forgiven. I've disputed this information with the three major credit reporting agencies, and XXXX has not provided any documentation, only stating that the reported information is " correct ''. I've sent them certified letters, requesting proof of this debt, which have all gone unanswered. Even after disputes, credit bureaushave not included my statement when reporting this account. It'sunacceptable. What bothers me the most is after one dispute with Equifax, XXXX added a remark saying " fixed rate '', with nothing else. This remark alone dropped my credit score by 49 points, and it was triggered by a simple dispute.
In summary, XXXX can not provide evidence that they notified me of my " Right to Redeem ''. In fact, their records show that their own representatives confirmed I was never notified about the sale of the car. They have acknowledged this was illegal on their part, according to New Jersey law. They have been refusing to respond to direct disputes I've submitted personally, and through credit bureaus. Most importantly, they have not honored the deal made with them to drop a civil suit against them in the matter.
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05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/2001 RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
3. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX Bureau CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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11/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
37. there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
38. there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
39. there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
40. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
41. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
42. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
43. there is some inaccurate information reporting.
Account Number : XXXX Please remove it from my credit report.
44. there is some inaccurate information reporting.
Account Number : XXXX Please remove it from my credit report.
45. there is some inaccurate information reporting.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
|
11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit.
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Remove this incorrect information at once and send me an updated copy of my credit history report.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Mistaken Identity XXXXXXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit.
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Remove this incorrect information at once and send me an updated copy of my credit history report.
XXXX. The following personal information is incorrect Account XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX. Mistaken Identity XXXXXXXX XXXX XXXX XXXXccount Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The following personal information is incorrect Account XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Re : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit.
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Remove this incorrect information at once and send me an updated copy of my credit history report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The following personal information is incorrect Account XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Sincerely
|
04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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To Whom it May Concern : I have an XXXX XXXX in the state of CT since XX/XX/XXXX. My small business is a XXXX XXXX I am 100 % shareholder.
XXXX I opened a XXXX XXXXXXXX XXXX XXXX card. I am also an authorized user on the card. I cant recall the opening available limit at that time or the exact date, but it increased to {$20000.00} over time and has remained until recently.
XXXX I filed a personal bankruptcy that did not include my XXXX XXXX XXXX a separate entity.
XXXX XXXX XXXX reduced my limit to {$14000.00}. My outstanding balance at that time was {$12000.00}, with an 11.24 % APR.
XXXX I missed my minimum payment by a few days. I contacted XXXX to negotiate a reversal as a good will gesture due to my financial hardship. They refused as I had already taken advantage of their 3 month Covid relief policy early on in the pandemic.
XXXX I again missed my minimum payment by a few days, was charged a late fee, and denied forgiveness, APR increased to 27.24 %, bringing me over the limit by {$180.00}. My XXXX XXXX points were deducted to XXXX.
XXXX I contacted XXXX to see how I can be helped as my financial situation was worsening. They didnt offer anything I could afford to agree to.
XXXX I obtained funds and made a payment on XX/XX/XXXX of {$2000.00}. On XXXX I made a payment of {$11000.00}. APR 27.24 % XXXX I thought my balance was XXXX with full credit available. There was a charge of {$92.00} for interest charges. APR 11.24 %. I called to question the finance charges as I paid the balance to {$0.00} before the close of the billing cycle. My research led me to discover this was residual interest. I contacted XXXX to remove that charge as not applicable per their card agreement.
XXXX XXXX reversed {$92.00} and labeled it a courtesy refund. It was less the full amount by {$0.00}. I made a purchase of {$92.00} to again bring my balance to {$0.00}. I was unaware at the time of purchase of the {$0.00} error. I was also credited {$12.00} labeled as credit interest charges. As I gather the information for my complaint, this is the first time I am noticing this. Possibly a refund due to me. Further investigation on my end would be needed to determine what happened. APR 11.24 % XXXX The XXXX was finally refunded after numerous calls to XXXX XXXX
XXXX XXXX XXXX reduced my credit limit to {$1200.00}. APR 11.24 % XXXX My XXXX XXXX points were reduced to XXXX. A {$6.00} balance remained after usage/payments. As I write this, this amount appears to be another case of residual interest. I have not taken action to negotiate at this moment. APR 11.24 %. I made the {$6.00} payment to bring my balance to {$0.00} when I became aware of it.
XXXX 11.24 % APR. {$280.00} balance. This was not a purchase made by me. I disputed the charge, XXXX investigated, the charge was reversed as erroneous bringing my balance back to {$0.00}. APR 11.49 % XXXX XXXX XXXX reduced my available credit to {$500.00}. {$0.00} balance. I am unaware of the current APR at the time of complaint.
Intermittently, I had been using the card and either making a minimum payment, or bringing the balance to {$0.00}.
I called the toll free number on the back of the XXXX XXXX to question the reduction on the available credit. I was alerted it was due an account review and reporting via Equifax.
I pulled my credit report on XXXX I had a situation with the listing of my personal mortgage, showing both CLOSED and DELINQUINT. I was very confused by this because I had not included my home in my XXXX personal bankruptcy filing and I have had 1 late payment since I purchased my home in XXXX. The fee resulted when I created an online payment account for the mortgage. I was unaware that XXXXXXXX XXXX ( mortgage holder ) and XXXX XXXX XXXX XXXX ) were not ACH compatible. A paper check had to be sent. The late fee was reversed as a courtesy for the situation. I am current and timely on those payments continuously.
XXXX I commented negatively on XXXX to a promoted post by XXXX XXXX The claim was how they were Committed to investing in opportunities for 10 million women globally by XXXX. As this public persona grossly contradicts my ongoing experience with XXXX, I commented. I was contacted by @ XXXX and invited to XXXX them my issue for resolution. A call back was set up for XXXX from a representative from the executive office in South Dakota. No call was received.
XXXX I reached out to my bank to gain clarity on what was happening with the mortgage reporting.
I explained the situation I was in with my XXXXXXXX XXXX card. I received the following response from XXXX XXXX Hi XXXX I left a message for you. I verified with Equifax that the Delinquency First Reported field is automatically populated as the 1st of the month during which the bankruptcy is first reported. This is a mandatory field that we can not change.
I contacted Equifax to dispute the reporting 18 emails were exchanged in attempt to rectify this situation with them between XXXX XXXX I contacted XXXXXXXX XXXX via email to XXXX XXXX, CEO and XXXX XXXX, CCO XXXX I received an auto reply, indicating, if applicable, they would contact me within 15 days. XXXX XXXX XXXX : XXXX.
XXXX The Equifax representative directed me to create a Myequifax.com account. The representative alerted me that my mortgage reporting had been updated and corrected. I created that account on XX/XX/XXXX. I noticed that the information on that site was vastly different than the one on XXXX. My mortgage was not listed on MyEquifax at all and showed CLOSED & PAYS AS AGREED on XXXX I questioned how both could be true simultaneously and provided the report differences via attachment and copy and paste from MYEquifax.com in the body of the email, as I could not locate a print option on the site. I believe I am expecting the hard copy via US mail. There were additional discrepancies I wanted to address as well. The representative asked where I got the report I attached. I told her XXXX. I questioned why they would be different. I have not received a reply despite multiple attempts to contact them.
XXXX I received a call from XXXX from XXXX XXXX She identified herself as from the SD executive office. I wanted to know if she was calling regarding my XXXX DM or my email to XXXX XXXX. She said she was from XXXX XXXX office, but also said XXXX. I am still not certain what action of mine prompted her call. The call was received at XXXX EST for 39 minutes on a recorded line. We had a very passionate discussion and XXXX wanted me to provide my credit report to an email she provided. I did not take that action. She informed me that XXXX pulls credit every 30 days. When I questioned her as to why my Corporations card was being negatively affected by my personal credit as they are separate entities, her reply was Thats how we do it now. I believed this to be a problem and I decided to take further action by contacting the Attorney Generals office of CT with my concerns.
XXXX I filed my complaint online with CT Attorney General.
XXXX I received email correspondence from CT AG , alerting me that my complaint has been forwarded to the Department of Banking state of CT. At their suggestion, I am filing with you as well as other agencies that may hold interest in my situation.
XXXX I also received an email from XXXX XXXX XXXX, Reference # XXXX. This email references my inquiry regarding discriminatory practices. I dont believe my correspondence was reviewed correctly as my concern is my Corporate Credit card being affected by my personal credit report. My reference to them empowering women was questioning the integrity of that based on the fact that I am a woman and I own a small business. I dont feel empowered, but rather battered. Maybe I confused them.
Respectfully, XXXX XXXX
|
10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
IMPORTANT _ My legal name is XXXX XXXX XXXX My current and legal address is : XXXX XXXX XXXX, XXXX NJ XXXX My current Job is XXXX XXXX XXXX since XX/XX/XXXX up to now ( XXXX ) Request _ Any information different from these informations above is a violation of my right and should get a proper investigation and remove them to the LAW 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 1 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 2 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and XXXX ( XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 3 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 5 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 6 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 7 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX AND XXXX XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 8 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 9 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 10 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 11 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 12 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
|
02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
My vehicle was repossessed and sold at an auction. I never received the statement letter regarding the vehicle being sold and the detailed breakdown of the cost. This credit sale agreement had gap insurance included, which should have paid off the remaining balance in full of the agreement. Despite the car being sold at an auction, XXXX XXXX XXXX XXXX reported a derogatory payment history with a balance and also, reported the same debt using a different account number. How is any information including the balance and derogatory reliable or accurate, if I didnt even receive any statement regarding how much the vehicle was sold for, or form 1099-C regarding the amount that was written off. By law, XXXX XXXX XXXX XXXX cant try to collect a debt theyve written off with the IRS and make me pay taxes on it, too. I was never provided a copy of the 1099-c showing the past due balance being reported on my credit report. At this point, the creditor can report any derogatory, false, inaccurate information without any valid proof or evidence.
I have disputed the completeness or accuracy of information reporting on a credit report with all three credit reporting agencies. XXXX XXXX XXXX XXXX is reporting the same debt using two different account numbers to the credit reporting agencies : XXXX, XXXX and Equifax, one account listed as Charged Off from and the other account listed as Paid and Closed. There should not be two separate XXXX XXXX XXXX XXXX accounts being reported on my credit report. The same debt is being reported twice, illegally. Both of the XXXX XXXX XXXX XXXX accounts are inaccurate and misleading, in which they inaccurately reflect an increasing monthly balance owed after writing off the balance. The account types for the accounts are being listed as an auto loan when this alleged agreement governed by the law is a credit sale. Me and XXXX XXXX XXXX XXXX do not have an actual loan agreement. I have not been provided any proof of documents or evidence that the XXXX XXXX XXXX XXXX accounts are an actually an auto loan. You are irresponsibly and intentionally reporting inaccurate and false information.
In pursuant to the investigation, despite receiving all the evidence and proof, XXXX XXXX XXXX XXXX violated the FCRA by failing to properly investigate the dispute, review all relevant information received from the credit reporting agencies and failed to determine and identify the information previously provided to the credit reporting agencies was inaccurate and failed to direct the credit reporting agencies to remove the XXXX XXXX XXXX XXXX accounts. Despite multiple disputes and complaints, the credit reporting agencies continue to act in manner in which high probable harm continues to follow. As of today, my credit report continues to reflect two University Federal Credit Union accounts.
Per USC 1681s-2 ( b ) ( 1 ) E, the furnisher, XXXX XXXX XXXX XXXX XXXX must also modify, delete or permanently block the subject inaccurate information from the its future reporting to the credit reporting agencies. After being informed of my disputes, XXXX XXXX XXXX XXXX negligently and willfully failed to conduct a proper investigation of the dispute, in violation of the FCRA, 15 U.S.C 1681s-2 ( b ).
Had XXXX XXXX XXXX XXXX performed an investigation with respect to the multiple inaccuracy and discrepancy entries, their results would have found over 5 discrepancy notations as incomplete or inaccurate. Upon completion of a reasonable reinvestigation, XXXX XXXX XXXX XXXX should have removed both accounts through their internal database files to coincide with the account and information listed being unverifiable and inaccurate. With respect to the multiple inaccuracies and inconsistent across all credit reporting agencies, XXXX XXXX XXXX XXXX has determined to follow procedures which did not thoroughly investigate, review, or verify whether they could report this alleged charged off account as accurate without inserting the materially misleading balance owed entry, payment history category, and account type.
With regard to the credit reporting agencies : XXXX, XXXX and Equifax, my consumer reports that they prepared, compiled, issued, assembled, transferred, published and otherwise reproduced contained information about me that was false, misleading and accurate.
The credit reporting agencies negligently and willfully failed to maintain and/or follow reasonable procedures to ensure the maximum possible accuracy of my consumer reports, in violation of section 1681e ( b ) of the FCRA, and failed to conduct a reasonable reinvestigation into my consumer disputes as required by section 1681i of the FCRA. 15 U.S.C 1681 ( a ) ( 1 ) ( A ). To establish liability under this subsection, I have established that the credit reporting agencies had a duty to reinvestigate, and that it would have discovered multiple discrepancies had it undertaken a reasonable investigation. This is a clear indication that the credit reporting agencies acted knowingly, intentionally, or recklessly in disregarding the FCRA.
Per 1681s-2 ( b ), I have a private right of action against furnishers that fail to conduct a reasonable investigation of disputes.
A Failure to Maintain Reasonable Procedures to Assure Maximum Possible Accuracy Violates 1681e ( b ) In addition to the inaccuracies, I am seeking monetary relief due the credit reporting agency failing to follow reasonable procedures to ensure maximum possible accuracy of the information contained in my credit report and failing to follow and conduct reasonable procedures caused actual damages to me.
Relief under 1681e ( b ) for negligence, Failure to Conduct a Reasonable Reinvestigation Violates 1681i Relief under 1681i is warranted for my credit report containing inaccurate or incomplete information, the credit reporting agencies were notified of the alleged inaccuracies and discrepancies, credit reporting agencies failing to respond or conduct a reasonable reinvestigation of the disputed items and sustaining damages caused by the credit reporting agencies.
Multiple disputes and complaints to the credit reporting agencies regarding the erroneous accounts refused to make the correction as it reflected reasonable factual basis for the credit reporting agencies to have been on notice of a need to go beyond the XXXX system as to this dispute.
Failure to fully disclose to consumer of information reporting in their credit files violates 1681g Section 1681g ( a ) ( 1 ), in part, states that upon request, a CRA shall disclose [ a ] ll information in the consumers file at the time of the request ( 15 U.S.C 1681g ( a ) ( 1 ). Federal courts and FTC have limited the scope of the term file to material included in a consumer report that would be sent to a third party produced by the credit reporting agency.
During the course of multiple disputes and complaints, XXXX XXXX XXXX XXXX, has updated balance and payment history without proof or evidence of the alleged information thats being updated. Therefore, with regards to XXXX XXXX XXXX XXXX and the credit reporting agencies investigation is therefore, baseless, circular, internally inconsistent and unreliable. The accounts and information being reported is technically inaccurate and not even accurate on its face. The accounts have not been removed from my credit report causing pain and suffering in several adverse credit actions, including damaging my ability to obtain a home loan, denial of increase in credit limits, suffering emotional distress, etc.
If a creditor reports, then it must be accurate. The charged off date inconsistently changed numerous times. This error was negatively impacting my credit report longer than it should due the intentional neglect.
|
12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX D.O.B XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!!
THANKS IN ADVANCE Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX D.O.B XX/XX/XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX Ga XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX D.O.B XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified inquiries MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
This is a new financial crime complaint.
If the vendor in the attached XXXX case is taken at its word, XXXX XXXX did receive in 4-6 weeks of the XXXX XX/XX/XXXX letter the {$63.00} that the vendor wrote was remedied because merchant has already issued a refund on XXXXXXXX XXXX XXXX XXXX chargeback.
The vendors two recent correspondences acknowledge twice more for a total of at least seven times in a year that the vendors contract with XXXX obligates it to repay the {$63.00} it admits it owed from its unauthorized transaction XXXX XXXX XXXX
I paid all authorized charges, per my contract, on time and in full for the 10ish years I had XXXX credit card, which was closed about XXXX XX/XX/XXXX under verbal contract that this closure was permanent.
XXXX in the past two months made arbitrary, capricious and malicious assault to ruin my excellent XXXX FICO, 100 % lifetime ( XXXX ) on-time payment to punish me for the vendors contract fraud with it. Suddenly, my FICO is XXXX fair, despite no debt except my monthly bills that I always pay in full, on time.
I dont know why the bank is telling XXXX XXXX and presumably the others, that I owe the bank {$290.00} for the vendors proved {$63.00} debt to XXXX. I suspect the inflated sum adds late fees and interest tacked on retroactively after CFPB closed its prior case without a CFPB determination to back it up.
I never have received a statement from XXXX ( its reply lied ) for this account it created without my authority, in violation of the Truth in Lending Act, solely for this vendors chargeback debt, after I closed my credit and savings accounts to end our relationship. This vendors {$63.00} debt had been credited for three months and was credited on my final statement that auto-paid in full on its due date. XXXX agent XXXX stated that my demand to close my compromised card would close the account permanently, and would require me to sign a new contract for a new card and account. I signed no new contract.
The Fair Credit Billing Act and 12 CFR 1005 seem clear and precedented that Im not liable for a vendors contractual obligation to repay the lender for its unauthorized transaction I promptly reported as fraud.
XXXX reply attached vendor documents 4 months late, per the Fair Debt Collections Act timetable -- that materially support my fraud testimony to the FBI ( under penalty of perjury ) and the FTC. Why does the bank think it has impunity to extort {$290.00} from me and defame my credit reputation?
XXXX made little effort to collect the {$63.00} the vendor owes. It proved it made one chargeback effort in six months, after twice closing my fraud report in days without any investigation. It dissected my one fraud case into six case numbers, apparently as a scheme to subvert the Fair Credit Billing Act timeline. It used an obsolete chargeback code in what looks like effort to protect the vendor from my true fraud claim. The banks reply acknowledges it understood I reported fraud at least 2 months before its chargeback, because it says it blocked the vendor permanently from my card on XXXX XXXX XXXX
The bank and the vendor have proved neither can be trusted to tell the truth, so I have no idea which one now holds this {$63.00} hot potato. I dont have it. I dont owe it. I didnt order or receive a {$63.00} future yearlong service ( called new, not renewal, not merchandise ). I reported that to each of them the first day I learned of shenanigans. The banks XXXX XX/XX/XXXX excuse for resurrecting a zombie {$63.00} four months later was that I didnt report fraud before it happened. I did anticipate this vendor would try again -- why not, when XXXX made defrauding my account so easy? -- and the bank ignored my block and gave the vendor the precise charge I prohibited, and STILL tried to extort me for it, too, for four months!
The Fair Credit Billing Act and other consumer protection laws gave lenders, not consumers, the legal tools to claw back unauthorized and fraudulent transactions. XXXX refusal to use those tools suggests its more profitable for the two multi-BILLION-dollar companies to conspire to violate the law.
A lawyer I spoke with informally yesterday scoffed, XXXX is notoriously consumer unfriendly, with a wink on the euphemism unfriendly.
The XXXX website makes me think XXXX knew this vendors fraud pattern. Relatively obscure, the XXXX hosts almost 400 reviews of this vendor, all the lowest rank and all look to report similar frauds. One recent review even says this vendor canceled payment on a refund check after it was cashed in the recipients bank, apparently to falsify a paper trail of compliance with the refund the vendor stole.
This was not a transaction for delivered merchandise, as XXXX tries to gaslight. And its defense that a seller has superior authority to override a consumers decision not to prepay to buy nonexistent future service is frivolous. An authorized transaction is what the credit-card holder approves, and no one else.
CFPB, if you want a state attorney general to handle this, as XXXX XXXX has been telling the NAAG the past two years, then which AG, or all? This crime was schemed in Arizona, occurred in New Jersey, and entered into conspiracy and further civil violations in Massachusetts. Attorneys general might round-robin endlessly to each other and you -- without clarity on jurisdictions and expectations.
Also new : I preserved for potential forensic investigation the laptop damaged again on the anniversary day of the fraudulent {$63.00} transaction. I suspect this vendor made a third malicious intrusion that caused it to implode on that day. Two intrusions in XXXX tried and failed to imbed its {$63.00} software.
Its what Ive feared all along : that XXXX pretense that I bought and had a future yearlong service that never existed would spawn an annual repeat of the crime. Its why I didnt just pay it when the bank violated the Fair Credit Billing Act to resurrect a zombie {$63.00} charge five months after the fact.
The bank and the vendor should be ordered to preserve all audio and other records. I fear both will destroy evidence in phone recordings that I didn't also record. I recorded only some. My recording of XXXX 's three-way call XXXX XX/XX/XXXX to the vendor was corrupted on that laptop. I may/may not have a copy of that call that is material evidence that the bank knows the vendor owes these refunds, not me.
I have many more written documents, emails and screenshots to defend my letters and my FBI testimony.
P.S. Literally, as I was giving one last look before transmitting this CFPB package, I saw the attached email from XXXX 's vendor in my in-box and added a quick scan. It looks like the vendor is creating a paper trail to respond to the nonprofit XXXX XXXX inquiry -- an inquiry that I believe XXXX should have made itself to recover its own money stolen by fraud.
I say this is XXXX vendor, because it wasnt my vendor. I didn't make this {$63.00} purchase and didn't authorize the vendor to access my card for a {$63.00} transaction, or for the curious sum in this email. XXXX contention it was obliged to pay the vendor indicates its own contract with the vendor, which is demonstrated in its extreme loyalty to its vendor over its card customer.
I added a standalone copy of my certified XXXX XX/XX/XXXX notice to the vendor CEO as reminder to readers of this complaint that his company must remit this chargeback debt to XXXX, not to me. I demanded other restitution from both, which neither has addressed, so my complaint continues regardless if the chargeback refund is finally fulfilled or not. I pursue legal compliance from both companies to meet their contractual obligations to each other, and each to me.
|
12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX D.O.B XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!!
THANKS IN ADVANCE Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX D.O.B XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX D.O.B XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified inquiries MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Account Name______XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE INQUIRIES THAT I DID NOT AUTHORIZE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
Dear Consumer Financial Protection Bureau, I hope this letter finds you well! I am writing to file a complaint against Equifax XXXX XXXX XXXX for their persistent failure to report my correct legal name, " XXXX XXXX, '' on my credit report. Additionally, despite my repeated disputes and requests for correction, Equifax continues to report a second incorrect name, " XXXX XXXX, '' which has caused significant distress and financial hardships for both me and my family.
Having XXXX names on my credit report has led to several problems and complications that need to be addressed urgently : XXXX XXXX : When a person has multiple names listed on their credit report, it becomes challenging for lenders and financial institutions to verify the individual 's identity. This can raise concerns about potential fraud or identity theft, leading to delays or denials in credit applications.
XXXX XXXX : Inaccurate or inconsistent names can impact the assessment of an individual 's creditworthiness. Lenders rely on credit reports to evaluate an individual 's credit history and determine their risk level. Having different names can create confusion and XXXX result in an inaccurate assessment, potentially leading to unfavorable loan terms, higher interest rates, or even credit denial.
XXXX XXXX XXXX : Having multiple names on a credit report can complicate the tracking and monitoring of one 's credit history. It becomes challenging to accurately track credit accounts, payment history, and credit utilization when the information is associated with different names. This can result in errors, missing information, or discrepancies in credit reports.
Credit Score Calculation : Inaccurate reporting of names can impact the calculation of credit scores. Credit scoring models use a range of factors, including name consistency, to assess creditworthiness. Inconsistencies in names can disrupt this process, potentially leading to an inaccurate credit score calculation.
Dispute Resolution : When attempting to dispute inaccurate information on a credit report, having multiple names can make the process more complex and time-consuming. It XXXX require additional effort to prove one 's identity and establish the correct name associated with the disputed accounts, which can delay the resolution of disputes and the correction of inaccurate information.
XXXX Opportunities : Inaccurate reporting of names can limit access to favorable financial opportunities and terms. It can hinder the ability to negotiate fair interest rates, obtain favorable loan terms, qualify for competitive credit card offers, or secure other financial opportunities that depend on accurate credit reporting.
Overall, having XXXX different names on my credit report has created confusion, affected my creditworthiness assessments, impeded personal identity verification, and limited my financial opportunities.
As you are aware, it is crucial to ensure accurate reporting of names to maintain a reliable and comprehensive credit profile. Similarly, credit reporting agencies have a legal obligation, as stated under Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), to maintain reasonable procedures that ensure the maximum possible accuracy of the information contained in consumer reports. It is evident that Equifax has violated this provision by inaccurately reporting my name, which is a fundamental aspect of one 's credit report and created confusion, affected my creditworthiness assessments, impeded personal identity verification, and limited my financial opportunities.
Furthermore, Section 611 ( a ) ( 1 ) ( A ) of the FCRA grants consumers the right to request an investigation of disputed information in their credit reports. In line with this provision, I have diligently disputed the incorrect names directly with Equifax, providing substantial evidence to support my correct legal name. This evidence includes copies of my social security card, driver 's license, bank statements, insurance documents, and credit card statements. Despite this, Equifax has failed to conduct a reasonable investigation into the accuracy of the disputed information, thus disregarding their obligation under Section 611 ( a ) ( 1 ) ( A ). I am attaching the same evidence to this complaint to ensure the relevancy and urgency of my concern.
Furthermore, Section 611 ( a ) ( 2 ) of the FCRA clearly states that the reporting agency must provide written notice of the results of the investigation within a specified period, 30 days, after receiving a dispute from the consumer. Regrettably, Equifax has not fulfilled this requirement, leaving me uninformed of the progress or outcome of the investigation into the disputed information.
As mentioned above, the aforementioned violations of the FCRA have had severe consequences for me and my family. I only have XXXX name : XXXX XXXX. I do not have XXXX names as my driver 's license, social security card, and other documents submitted clearly show. The inaccurate reporting of my name on my credit report, which is a fundamental aspect of one 's credit report, has created confusion, affected my creditworthiness assessments, impeded personal identity verification, and limited my ability to access favorable financial opportunities and terms. It has hindered my capacity to negotiate fair interest rates, obtain favorable loan terms, and qualify for competitive credit card offers. As a result, I have been subjected to financial distress, and my family 's financial stability has been compromised.
I implore the Consumer Financial Protection Bureau to intervene in this matter and address the grave nature of Equifax 's violations. Equifax ought to report only my name and not any other names that are not mine. The provisions of Section 611 of the FCRA were established to safeguard consumers ' rights to dispute and rectify inaccuracies in their credit reports. By allowing Equifax 's noncompliance to persist, the integrity of the credit information used by lenders, employers, and other entities for creditworthiness assessments is compromised.
Additionally, I would like to draw your attention to Section 616 of the FCRA, which addresses the consequences of willful noncompliance with the provisions of the act. Equifax 's persistent failure to correct the inaccurate reporting of my name, despite evidence provided and repeated disputes, constitutes willful noncompliance. According to Section 616, willful noncompliance refers to a deliberate or intentional act of disregarding the FCRA 's provisions. Equifax 's actions, or lack thereof, have clearly been intended to injure my interests, rights, and reputation.
Section 616 further establishes that those found guilty of willful noncompliance can be held liable for actual damages suffered by the affected individual. Equifax 's willful noncompliance warrants appropriate remedies, including punitive damages, to serve as a deterrent for future noncompliance.
Considering the aforementioned violations and their profound impact on my well-being, I kindly request that the Consumer Financial Protection Bureau XXXX XXXX thorough investigation into Equifax 's actions. I seek your intervention to rectify the inaccurate reporting of my name and ensure that Equifax complies with the provisions of the FCRA. I also request your assistance in holding Equifax accountable for their willful noncompliance and the damage incurred as a result.
Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumer rights and promoting fairness within the credit reporting system. I look forward to your prompt response and resolution of this complaint.
Sincerely, XXXX XXXX
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05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. Did not consent to unauthorized inquiry FREMONT Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In Accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A. Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account under an open end consumer credit plan as late for any reason. Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. On XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system. Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, " if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current " ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. The CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. :
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12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
|
|
Web |
Servicemember |
<<>> Myself and my spouse have been unable to manage our existing Equifax security freezes in a timely manner since XX/XX/XXXX. The security PINs mailed to us by Equifax in XXXX are no longer accepted as a means to verify our identity and manage our existing security freezes. At present, Equifax 's automated website and phone support systems will not verify our identities based on any of the supplied menu responses for myself or my spouse. This situation has resulted in ongoing personal and financial harms as it has been impossible to manage security freezes within a reasonable time frame for necessary credit inquiries to take place. Notably, in the past year we have had bank account applications rejected ; have been unable to verify our identities to establish IRS.gov accounts ; were unable to process a temporary security freeze lift to facilitate an employment background check ; and most seriously, applying for a new residence be endangered when a time sensitive credit check returns no result. Contacting Equifax customer service on multiple occasions has provided no resolution to date. The only recourse offered by live customer service representatives is to process all future actions related to our security freezes via mail or fax. This method is ineffectual as it will not facilitate timely management of our security freezes. As such, I believe that our rights under the Fair Credit Reporting Act ( FCRA ) are being violated by Equifax , Inc. due to an unreasonable hardship managing the protection of a security freeze.
<<>> Security freezes for myself and my spouse were initially placed on XX/XX/XXXX and XX/XX/XXXX in response to the unprecedented data breach that Equifax was exposed to that same year. The extreme negligence revealed by this breach, in addition to my status as a US military veteran who previously conducted work related to national security, require that we maintain security freezes with each of the national credit reporting agencies ( CRA ). Until approximately XX/XX/XXXX, managing Equifax security freezes was possible via an automated phone service XXXX XXXX XXXX in which the security PIN numbers provided to us via mail were entered to verify our identities. But the use of security PIN numbers was discontinued by Equifax at some point in XXXX without any notification to us. Thereafter, Equifax would only facilitate access to manage our security freezes over the internet or phone if it's new automated identity verification system was satisfied. This resulted in our current predicament where the automated verification system does not accept any responses from us as sufficient. Multiple attempts by myself and my spouse to achieve a resolution by contacting Equifax phone support representatives have been ineffectual. On the last occasion ( reference Equifax Support Case # XXXX on XX/XX/XXXX ), I spoke with a senior support representative who informed me that our security freezes could henceforth be managed solely via request sent by mail or fax. This procedure would also need to repeated for every future request. The only explanation offered for this burden is that myself and my spouse had insufficient credit history by which to verify our identities through Equifax 's automated systems. In other words, due to our decision to limit exposure to loans and other financial products in our personal lives, we are being excluded from the only automated systems that can manage a security freeze in a timely manner. Equifax also declined to provide any recourse by which to verify our identities in a manner that would resolve the identity verification issue in durable manner, and thereby restore routine access to manage our credit information via the Equifax website or automated phone system. Unfortunately, it is not possible to process a temporary security freeze lift in a timely manner via mail or fax without risking personal and financial hardship. Third-party service providers routinely process credit inquiries much more quickly than any mail or fax request can be processed. Consequently, the decision by Equifax to discontinue security PIN based service for identity verification while also providing no notification or comparable alternative resulted in myself and my spouse having no reasonable means to process essential business affairs. In addition to contacting customer support, my spouse submitted a consumer complaint in XX/XX/XXXX to the Georgia Office of the Attorney General where Equifax , Inc. is headquartered. This complaint specifically requested assistance to resolve the ongoing identity verification problem. However, the complaint instead produced a bizarre and troubling outcome where Equifax arbitrarily processed a 30-day lift of my spouse 's security freeze even though no such dates for a lift had been requested. And more seriously, my spouse 's attorney general complaint was submitted via a publicly accessible state operated website that required no verification of identity beyond collecting name, address, and phone number. In effect, Equifax processed a temporary lift of my spouse 's security freeze without authorization and without any meaningful verification whatsoever of the complaint 's actual origin. This plainly demonstrated that Equifax is fully capable of lifting a security freeze even when an individual 's identity has not been appropriately verified. Relaying information about the outcome of the attorney general complaint nevertheless produced no accommodation from Equifax support. It should also be noted that phone support representatives recommended on two occasions to permanently remove security freezes in favor of adopting Equifax 's 'Lock & Alert ' service as an alternative. It was indicated to me that the 'Lock & Alert ' service would facilitate a timely method of verifying our identities, while continuing to utilize security freeze protection would not. This amounts to an attempt to compel us away from using our protected rights to use security freezes under the FCRA. As of today XXXX XX/XX/XXXX XXXX, myself and my spouse are still prevented from managing our security freezes using the Equifax website ( my.equifax.com ) or calling the automated phone system. I transmitted a notice to Equifax customer service on XX/XX/XXXX offering a final opportunity to resolve the problem but it received no meaningful response. It should be noted that Equifax is the only national CRA that has produced a situation where it is impossible to properly manage our existing security freezes. Separately, myself and my spouse are also unable to access routine credit reports from Equifax without submitting requests via mail or fax. Were it possible for us to avoid conducting any business with Equifax , Inc. ever again, that would be the most ideal resolution. But since privately operated CRAs are commissioned by the United States government to manage consumer information, despite repeatedly demonstrating extreme negligence in their responsibilities to protect sensitive personal information, we have no choice but to work through this conundrum. Exercising our rights under the FCRA is not going to be prevented by a faulty automated system that is incompatible with how we choose to conduct our private personal affairs. Thank you for all due attention to this matter.
<<< ATTACHMENTS >>> The following information is being supplied with this complaint : Security PIN notices, Equifax XXXX XX/XX/XXXX & XX/XX/XXXX XXXX ; online complaint notice, GA Attorney General XXXX XX/XX/XXXX ) ; Security freeze lift notice, Equifax XXXX XX/XX/XXXX ) ; online complaint file closed notice, GA Attorney General XXXX XX/XX/XXXX ). Additional information will be supplied upon request.
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11/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, a dereliction of duty, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Reporting Agency and its members as Data Furnishers : To my knowledge, as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Department andVariety Stores XX/XX/XXXXXXXX XXXX Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud or unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumers Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, producing an effect that prevents access to my estates extensions of credit as the beneficiary, denied rights of action, chose-in-action, a conflict of interest against equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Title 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right to opt-out, my beneficiary interest rights, and my financial privacy rights, NOW so mote it be ; I am opting out of your reporting services regarding ANY adverse reporting of choses-in-action in a conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Prayer for Equitable relief for breach of trust, breach of Fiduciary duty with the removal or correction ( whichever produces the be the best equitable outcome on behalf of the beneficiary ) of all adverse reporting without notice, permission, instruction, or consent in a conflict of interest, and administrative enforcement is sought as outlined under Title 15 U.S.C. 1681s with a statutory penalty of {$1000.00} per reporting violation without permission/consent pursuant to the Fair Credit Reporting Act after repeat notices regarding the matter of, depriving, and conspiring against rights as a fiduciary, knowingly reporting and allowing the reports to be used and obtained without a permissible purpose in willful noncompliance ( Title 15 U.S.C. 1681n ) I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Title 28 U.S. Code 1746.
XXXX XXXX : XXXX, Living Soul , Beneficiary Non-person, Non-Statutory, All rights reserved. ( E-sign Act ) Date:XXXXXXXX
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02/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX -This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my employer. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my employer. Delete it immediately from my report.
XXXX. XXXX XXXX Bankruptcy Case Number : XXXX The reporting of this account is inaccurate and it has to be removed immediately from my credit report. I do not understand why you have not removed it when the other bureaus have already done that.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX BANK Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
It is unlawful, and a direct violation of several FEDERAL LAWS and statutes to report inaccurate, misleading or Unverified information.
On XXXX XX/XX/2022, I sent a letter asking each credit bureau to investigate the validity of the accounts listed below.
On ( XXXX XX/XX/2022 ) I received responses from XXXX, XXXX and Equifax stating that the following accounts 100 % accurate and true-verfied and would not be removed from my credit report.
Per the procedures and laws stated in 15 USC 1681i and its subsections I have requested that all FURNISHERS related to these accounts and CONSUMER REPORTING AGENCIES in which the following items have been disputed have been NOTIFIED of the DELETION of these accounts due to their inability to prove their validity.
To ensure that you receive NOTIFICATION I am including the following attachments to this letter.
Original letter to Credit Bureaus Copies of signed Certified Mail receipts showing companies received the letter A listing of each error from each creditor on each account PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this information on my credit report is a violation of my rights.
15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
The actual judgement and paperwork with my signatures affixed would satisfy that requirement. That is not what was done.
However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
XXXX, Equifax and XXXX also violated my rights numerous times.
XXXX, Equifax and XXXX took my information and sold it to the highest bidder without my written permission. They violated my given rights under 15 USC 1681.
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states any consumer reporting agency can not furnish information on my credit report without my written authorization and instructions. I did not give any credit reporting agency my authorization, nor instructions to furnish the below referenced information.
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states any consumer reporting agency can not furnish information on my credit report without my written authorization and instructions. I did not give any credit reporting agency my authorization, nor instructions to furnish the above referenced information.
According to : 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
All of the credit reporting agencies had reason to believe that the above referenced information COULD be inaccurate, yet they still report the information as 100 % accurate. This is in violation of 15 U.S.C. 1681 S-2 ( A ) ( 1 ).
The information appearing on my credit reports is still erroneous because it does not match my records. I did not not give written permission or instructions for the information to appear on my credit reports. And finally, I have a right to maintain the privacy of my data.
It is well within the Law : 15 USC 1681 for me to seek damages at this time for {$1000.00} for each violation ( error listed on my credit reports ) of my rights for each credit bureau,. At this time there are violations listed in my enclosures for each credit bureau. If the credit bureaus, XXXX, Equifax, XXXX, immediately delete this unauthorized ( " XXXX XXXX ... '' ) information from my credit report within 30 days from the date of this certified letter, I will agree not to pursue damages of {$1000.00} for each error from each credit bureau and other credit reporting agency ( ies ).
Accounts Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Credit Bureaus reporting this incorrect information : XXXX, Equifax, XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX.
This account is different on all three bureau credit reports.
Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$1300.00} Credit Bureaus reporting this incorrect information : Equifax Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$2700.00} Credit Bureaus reporting this incorrect information : Equifax Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$11000.00} Credit Bureaus reporting this incorrect information : Equifax Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$6600.00} Credit Bureaus reporting this incorrect information : Equifax Account Name : U S DEPT OF ED/XXXX Account Number : XXXX {$1300.00} Credit Bureaus reporting this incorrect information : XXXX, XXXX Account Name : U S DEPT OF EDXXXX Account Number XXXX XXXX {$3100.00} Credit Bureaus reporting this incorrect information : XXXX, XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$7500.00} Credit Bureaus reporting this incorrect information : XXXX, XXXX Account Name : US DEPT OF EDUCATION Account Number : XXXX {$2900.00} Credit Bureaus reporting this incorrect information : XXXX, XXXX Account Name XXXX US DEPT OF EDUCATION Account Number : XXXX {$2700.00} Credit Bureaus reporting this incorrect information XXXX XXXX, XXXX Account Name : US DEPT OF EDUCATION Account Number XXXX XXXX {$6600.00} Credit Bureaus reporting this incorrect information : XXXX XXXX XXXX Account Name : US DEPT OF EDUCATION Account Number : XXXX {$11000.00} Credit Bureaus reporting this incorrect information : XXXX XXXX XXXX Account Name : DP OF EDUC Account Number : XXXX {$3100.00} Credit Bureaus reporting this incorrect information : Equifax Account Name XXXX DP OF EDUC Account Number : XXXX {$7500.00} Credit Bureaus reporting this incorrect information : Equifax Account Name : DP OF EDUC Account Number : XXXX {$0.00} Credit Bureaus reporting this incorrect information : Equifax Account Name : XXXX XXXX XXXX Account Number : XXXX This account is different on each credit report.
Credit Bureaus reporting this incorrect information : XXXX, Equifax, XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX {$1200.00} Credit Bureaus reporting this incorrect information : XXXX XXXX Equifax XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXX {$2500.00} Credit Bureaus reporting this incorrect information : XXXX, Equifax Account Name : XXXX XXXX XXXX Account Number : XXXX {$5500.00} Credit Bureaus reporting this incorrect information : XXXX, Equifax Account Name XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} Credit Bureaus reporting this incorrect information : XXXX, Equifax Account Name : XXXX XXXX XXXX Account Number : XXXX {$7500.00} Credit Bureaus reporting this incorrect information XXXX XXXX, Equifax Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX {$2700.00} Credit Bureaus reporting this incorrect information XXXX XXXX, Equifax Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX {$2400.00} Credit Bureaus reporting this incorrect information : XXXX XXXX Equifax Account Name : XXXX XXXX Account Number : XXXX {$6700.00} Credit Bureaus reporting this incorrect information : XXXX XXXX Equifax
|
10/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
There are two XXXX XXXXXXXX XXXX Accounts that appeared on all 4 credit bureaus in mid to late XXXX. I only have partial account numbers provided by all four credit reporting agencies as these accounts were not opened by me. I noticed them after ordering my free annual credit reports and started disputes to all the bureaus, however, I was not able to get all documentation to them in a timely manner as I had to be treated for XXXX XXXX. XXXX XXXX XXXX continues to reinsert these two accounts that were opened in my name on line by people impersonating me. These two accounts look to be accounts that were opened online after I gave XXXX XXXX who I worked with and was a friend of the family and had been in and out of my house on a regular basis and whom I had given three used phones and a tablet along with other used items in XXXX not knowing we he actually lived in XXXX, XXXX XXXX XXXX on the XXXX XXXX and was in the XXXX on a work permit. One account says it was opened in XXXX yet I had no accounts accept a checking account which he was closed in XX/XX/XXXX in XXXX, Texas due to my purse being stole and all my personal information being stolen. If this is a typo it is still not my account and was opened by an XXXX scammer. details below. XXXX, XXXX, Equifax and XXXX partial account number XXXX and XXXX partial account number XXXX. The only accounts I have ever had with XXXX XXXX XXXX are a checking accounts. One that was closed and a new account opened in XX/XX/XXXX in XXXX, Texas after my purse was stolen and all my ID stolen including my phone and about 5/10 checks which were used in the XXXX XXXX area. I provided a police to XXXX and all credit Bureaus at that time due to fraud and Identity theft.. I had a mortgage with XXXX opend in XX/XX/XXXX mortgage which transfered to XXXX XXXX XXXX when they bought out XXXX. XXXX XXXX XXXX sold that mortgage in a bundle of mortgages in roughly XXXX and closed that account out. I had a money market account which was closed and the money used to open an investment account with XXXX XXXX owned by XXXX which I closed out and transfered in early XX/XX/XXXX. I closed out my checking account in XXXX because XXXX was never able to stop all the fraud/identity theft on my checking accounts and consistently shutting down my debit card without notifying me and sending a new card because of fraudulent activity by other people who had stolen and used to be card number. There was always money missing from my account and XXXX could not tell me why. On XX/XX/XXXX I once again disputed these two accounts as being identity theft and provided a XXXX County Sheriff 's Department Police report ( attached ) regarding a harassment/scam incident I had been in experiencing with a the XXXX XXXX man who I met and worked with beginning XXXX, XXXX and until I resigned in XX/XX/XXXX. I did not know at the time he was only here on a work permit and travels back and forth from XXXX go the US collecting used items to take back and sell. He misleads people when he is here and tell them the used items are for the needy in XXXX. I found out in XXXX per the first attached Sheriff 's Report which is Harassment and where he and his family were trying to scam me out of money. Each and every time I told them NO the harassment would escalate until there was Sheriff at my door in XX/XX/XXXX the date of the first report. In XX/XX/XXXX XXXX XXXX approached me at XXXX XXXX and requested used clothing and electronics ( i.e, used unlocked phones and tablets. I gave him clothes and other items and also a XXXX phone, an XXXX XXXX XXXX phone, an XXXX phone and a tablet. I don't remember the brand of the tablet, but they were all unlocked and reset to factory settings. I thought resetting the to factory settings would make them safe but was later advised it DOES NOT clear the memory and your personal information can still be obtained. I found later in a conversation with XXXX XXXX he shipped these things back to XXXX in XXXX in a container that contained cars, and other things but also included the used clothes and electronic items. Once he took these things back the phones memory were broken into and all my personal information was taken which included all banking information, including passwords, verbal passwords as well, all my email addresses, were taken, phone contacts, everything that I stored on my phone in my XXXX password directory. He had access to my XXXX account and set up 3 accounts in my name which I have since had taken down. I have reported him to the Department of Immigration and sent emails to XXXX XXXX as they were allowing him not only to work there but to solicit customers and employees for used items and especially electronics as being distributed as items for the needy but he was actually selling them. During the early to mid day on XX/XX/XXXX, I had two strange calls one to my home phone and one to my cell phone both were the same XXXX man asking questions. I didn't answer any questions, I just hung up. in the early evening I received emails from my home phone account provider that my password had been changed. I called to find out what was going on and to correct it yet someone changed it again. The same evening at about XXXX I received a call from XXXX Fraud Department who told me there was suspicious activity had been taking place on my account. XXXX XXXX had been put on my checking account and a spoof card had been bought using my checking account in the amount of XXXX. I was also advised that this same XXXX man or maybe a woman had called in impersonating me and spoke directly with XXXX employees about my accounts a day or so earlier. Attached is a section of my most recent XXXX credit report which shows partial account numbers. This is all I have to identify these two accounts as I have never had an account number or a credit card. These accounts were either opened up in line or by phone by people impersonating me and using my personal information. XX/XX/XXXX I filed a dispute with all bureaus again only to be told I needed a different report and that XXXX would not remove them. OF COURSE XXXX XXXX XXXX WOULD HAVE MY INFORMATION AS THEY HAVE SPOKEN DIRECTLY WITH THE PEOPLE WHO STOLE MY PERSONAL INFORMATION BY IMPERSONATING ME ONLINE OR BY PHONE USING INFORMATION TAKEN FROM THESE ELECTRIC DEVICES. On XX/XX/XXXX, I again disputed these two accounts and sent all bureaus a new report ( attached ) Fraudulent Use of Identification and Impersonation as regarvi g these same XXXX who impersonated me and who spoke directly to XXXX when to hey called in to XXXX number and spoke with ith XXXX personnel and opened up and used these accounts using my information obtained from these phones and tablets. As of this writing XXXX has not responded to the disputes to all the bureaus. All bureaus have suggested that I file this complaint directly to you. I do not have complete account numbers only partial numbers from the credit reports as I have never had these cards/accounts. XXXX needs to provide me with applications filled out and signed by me allowing XXXX to open up these accounts/cards. Unless this can be provided XXXX must remove these from all bureaus. Simply saying these accounts belong to me when others have all my personal information at their disposal and are using is not enough since XXXX allowed these fraudulent accounts to opened up by people impersonating me online or over the phone without contacting me first before opening them yet this is what happened. It appears these accounts were dumped as soon as to hear people realized my checking account had been closed and moved and when I changed all my personal information including my XXXX account containing my personal information.
|
08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to formally dispute and request an investigation into multiple violations of relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). The violations detailed below have caused significant distress in my life, affecting my financial well-being and overall peace of mind.
Unauthorized Inquiries : Creditor : XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Inaccurate Account Information and Violations : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Current Address : XXXXXXXX XXXX XXXX XXXX, CA XXXX Violation : Reporting incorrect personal information.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Unauthorized Inquiries : Creditor : XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor XXXX XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Inaccurate Account Information and Violations : Creditor : XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Unauthorized Inquiries : Creditor : XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Incorrect Personal Information : Incorrect Also Known As Name : XXXX, XXXX, XXXX XXXX, XXXX, A Violation : Reporting incorrect personal information.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXX, CA XXXX Violation : Reporting incorrect personal information.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXX, CA XXXX Violation : Reporting incorrect personal information.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Previous Address : XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Violation : Reporting incorrect personal information.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 The inaccuracies and unauthorized inquiries detailed above have caused immense distress in my life. Not only have these violations affected my financial well-being and creditworthiness, but they have also taken an emotional toll. As someone who has worked diligently to build a stable financial foundation, the continuous setbacks caused by these violations have been deeply disheartening.
In light of the violations highlighted, I kindly request the immediate removal of these unverified accounts from my credit report. I urge you to enforce the legal protections outlined by the Fair Credit Reporting Act to ensure fair and accurate reporting of credit information.
Thank you for your attention to this matter. I am hopeful that your intervention will help rectify these violations and restore my financial peace of mind.
Sincerely, XXXX XXXX XXXX
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08/24/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
What happened?
Over the last XXXX ( XXXX ) years I, La XXXX XXXX XXXX ( " Consumer '' and/or " Plaintiff '' ), have been DENIED access to extended credit opportunities via Credit Cards XXXX XXXX of XXXX for XXXX XXXX XXXX and even been denied employment and professional advancement opportunities because of the numerous, egregious, fraudulent, unauthenticated, and negligently reported INACCURATED, AGED, DUPLICATE ACCOUNTS, and/or NOT MINE but are still being negatively reported on my credit file. These negative reports has caused me irreparable harm, emotional harm and distress, damages, loss of income and loss of employment opportunities via my inability to have my " Secret '' level security clearance restored because of the fraudulently perceived " Bad Credit '' image that has been falsely stained my character by XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( PHEAA ), EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and other XXXX XXXX XXXX ( individually and/or collectively the " CRA '' and/or " Defendant '' and " Disputed Account Holders '' ), all in clear violation of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. and the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, XXXX, et seq. I recently applied for a Commercial Realestate Loan for a property that I was looking to purchase for my business and potentially build a primary homesite for me and my family in my hometown of XXXX XXXX, GA. HOWEVER, I have been DENIED the extension of credit by the lending institution because Equifax XXXX ) reported by " Credit Score '' to them at a XXXX rating ; and XXXX ) have negatively and falsely reported me having over XXXX instances of " DELINQUENCIES '' and/or " LATE PAYMENTS '' over 90 days, which is wholly INACCURATE and mathematically IMPOSSIBLE!!!! See Exhibits A & XXXX I've constantly disputed the accuracy of the information in my credit file over the last 5 years. Most recently, on or about XX/XX/XXXX, XXXX XXXX posted a Collections on my credit file for all CRAs in the amount of {$17000.00} and I want to know WHY????? The last semester I attended XXXX was the Fall of XXXX ... and this was NEVER on my CRA accounts until XX/XX/XXXX?? THIS IS NOT MY ACCOUT NOR DEBT!!! This needs to be resolved ASAP because this issue is both putting my XXXX XXXX in jeopardy and it is interfering with my purchase of a home that I'm due to go to closing within the next 30 days. As such, the actual damages sustained by the XXXX as a result of the Breach of Contact, Theft, Breach of Fiduciary Duty, Negligence, XXXX XXXX, and other collective acts of the Defendants include, but are not limited to : Financial monetary loss of {$20000.00} in XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting. Financial monetary loss in the {$590000.00} appraised market valuation of the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference in the {$7800.00} in monthly income from the Billboard and Cell Tower revenue from the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference in the lending of {$750000.00} in capital from XXXX XXXX for the Acquisition and Development of the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference with the planned future Planned Unit Development ( XXXX ) Mixed-use rezoning of the property valued in excess of {>= $1,000,000} USD due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference in the lending of {$750000.00} in capital from Plaintiffs new lender, " Cleared for Closing '' for the Acquisition and Development of the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference regarding the XXXX separate Real estate appraisals and fees that the XXXX paid for to support his cash-out refinance of his XXXX asset properties totaling over {>= $1,000,000} in valuation due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference with the planned future redevelopment of the site into XXXX Multifamily Apartment units with a planned estimated investment and valuation in excess of {>= $1,000,000} due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX of XXXX XXXX, GA due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX of Georgia due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX government due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX Department of Veteran Affairs due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX Department of Treasury. Tortious Interference with Plaintiffs business relationship with the XXXX Department XXXX Housing and Urban Development due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX XXXX XXXX and other local and national media outlets due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with Georgia XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs image, brand, and likeness for XXXX XXXX XXXX and XXXX XXXX, XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs reputation and good name due to decreased credit ratings and inaccurate reporting. XXXX, emotional, physical pain and suffering Negligence Criminal Negligence Negligent Infliction of XXXX, emotional, physical pain and suffering. Breach of Duty of Good Faith and Fair Dealing. Breach of Fiduciary Duty Breach of Contract Others to be determined. Furthermore, under Georgia law, damages for mental suffering and emotional anguish can be recovered, when there is an intentional infliction of mental distress, without a showing of contemporaneous physical harm. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ).
|
09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
SUMMARY OF COMPLAINT : As of XX/XX/2020, we are writing to request a final correction of error to our creditor, XXXX, to correct and update our XXXX Account on our Equifax Credit Report under Historical Account Information for : ( 1 ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00}, ( 2 ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00} and ( 3 ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00}. These items still need to be corrected and updated since it is still indicating a forbearance history on our Equifax credit report, which is entirely erroneous and inaccurate since our XXXX Account was NEVER in forbearance and SHOULD NEVER have been put in forbearance status, but was due to Loancares erroneous system, which they have admitted automatically reported our account in forbearance on XX/XX/2020 IN ERROR, AFTER we cancelled our forbearance request on XX/XX/2020. Therefore, our XXXX Account was never in forbearance and should never have been reported in forbearance status to all the consumer credit agencies and XXXX is legally liable to make us whole with no forbearance history indicating on our Equifax credit report.
FULL COMPLAINT IN DETAIL : CREDIT REPORTING ERROR : EQUIFAX Credit Report Our XXXX Account In Historical Account Information : ( 1 ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00}, ( 2 ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00} and ( 3 ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00}.
As of XX/XX/2020, our Equifax Credit Report is currently reporting our XXXX Account under Historical Account Information as follows : ( 1 ) XX/XX/2020 - Comments Account In Forbearance and Scheduled Payment Amount not reported, ( XXXX ) XX/XX/2020 - Comments Account In Forbearance and Scheduled Payment Amount not reported, and ( 3 ) XX/XX/2020 - Comments Account In Forbearance and Scheduled Payment Amount not reported ( Please see attached Equifax Credit Reports for Borrower and Co-Borrower Dated XX/XX/2020 ).
When speaking to our bank in order to obtain a new mortgage for an investment property, we were told that this shows prior forbearance history on our credit and would negatively impact our ability to obtain any new loan. By not removing all Comments Account In Forbearance in XXXX, XXXX and XX/XX/2020 and not reporting the Scheduled Payment Amount for XXXX, XXXX and XX/XX/2020 on our Historical Account Information for our Loancare Account, this prevents us from working with our bank or other lenders.
On XX/XX/2020, we contacted Equifax directly to request our Loancare Account on our credit report be corrected and updated as follows : in Historical Account Information : ( 1 ) remove all Comments Account In Forbearance in XXXX, XXXX and XX/XX/2020 and ( 2 ) report all Scheduled Payment Amount for XXXX as {$4300.00}, XXXX as {$4300.00} and XX/XX/2020 as {$4300.00} be entered and updated on our credit report, however, we were told that our creditor, XXXX, would need to update this information on our behalf since this is their Account.
Therefore, we are demanding that XXXX correct and update our XXXX Account directly with Equifax as follows : In Historical Account Information : ( 1 ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}, ( 2 ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}, XXXX XXXX ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}.
As you are aware, by not removing Comments : Account In Forbearance in XXXX, XXXX and XX/XX/2020 and not reporting the Scheduled Payment Amount for XXXX, XXXX and XX/XX/2020 under Historical Account Information on our Equifax credit report, this is negatively impacting our credit history and credit scores, which is preventing us from working with any lenders on obtaining a business loan since it is reporting a forbearance history on our Loancare Account, which we have disputed entirely from the beginning due to your erroneous credit reporting.
Again, our XXXX Account should never have been put in forbearance status and we are demanding that you clear all forbearance history off our Equifax credit report.
EXPLANATION OF CORRECTION OF ERROR : Our XXXX Account Was Erroneously Placed In Forbearance Status And Was Removed On XX/XX/2020.
Our XXXX Account was never in forbearance and therefore, should never have been reported in forbearance status, but was due to your system error which your company have admitted it automatically placed our account in forbearance even after we cancelled the forbearance request on XX/XX/2020, which it should never have happened. Your system automatically reported on XX/XX/2020 IN ERROR to the credit reporting agencies, even AFTER our forbearance was cancelled, which your company has acknowledged this was a system error.
On XX/XX/2020, your company recognized your system error had erroneously placed our Loancare Account in forbearance status and therefore, removed the forbearance off our Loancare Account and updated the four major consumer reporting agencies : Equifax, XXXX, XXXX and XXXX ( Please see attached Letters from Loancare Dated XX/XX/2020 and XX/XX/2020 ).
Therefore, our XXXX Account should never have been placed in forbearance nor have any indication of any forbearance history. We are demanding that you clear all forbearance history off our Equifax credit report.
FINAL RESOLUTION : Loancare To Update Our EQUIFAX Credit Report by Correcting The Errors On Our Loancare Account In Historical Account Information For ( 1 ) XX/XX/2020, ( 2 ) XX/XX/2020 and ( 3 ) XX/XX/2020 : By Removing All Comments Account In Forbearance and Reporting All Scheduled Payment Amount For Each Month.
We are demanding that you clear all forbearance history off our Equifax credit report. In order to do so, we are demanding a final resolution that your company correct and update our Equifax credit report regarding our Loancare Account under the Historical Account Information for XXXX, XXXX and XX/XX/2020 as follows : ( 1 ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}, ( 2 ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}, ( 3 ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}.
See attached Equifax Credit Report : XXXX XXXX Account Information for Borrower & Co-Borrower Dated XX/XX/2020.
Please provide us a letter stating the above, that our XXXX Account has been corrected and updated with Equifax to report our Historical Account Information for XXXX, XXXX and XX/XX/2020 that ( 1 ) all Comments Account In Forbearance has been removed and ( 2 ) all Scheduled Payment Amount for XXXX, XXXX and XX/XX/2020 has been reported.
SUPPORTING DOCUMENTS Please See Attached Documents : 1. Equifax Credit Report : XXXX XXXX Account Information for Borrower Dated XX/XX/2020 XXXX. Equifax Credit Report : XXXX XXXX Account Information for Co- Borrower XXXX XX/XX/2020 3. Letter from XXXX : Account Removed from Forbearance Dated XX/XX/2020 4. Letter from XXXX Removed Forbearance Dated XX/XX/2020 We look forward to an immediate and expedited final resolution. We thank you in advance for your time and effort in concluding this matter on our behalf with Equifax.
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12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
I contacted the Department of Education requesting that this loan be XXXX in accordance with House XXXX XXXX XXXX of XXXX. So far, they have not taken action. I have confirmation from a certified return receipt that they received my request XXXX XXXX, XXXX. Here is the authority listed that explains HRJ-192 and public law 73-10.
HJR-192 AND PUBLIC LAW 73-10 LAWS THAT GOVERN ELECTRONIC FUNDS TRANSFER INSTRUMENTS, AND MONEY The Federal Government took our lawful money out of circulation in XXXX but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. This has been one of the best kept secrets in this Bankrupt Nation.
They took everything including all property and titles to property and left us only with an ability to discharge debt and create money through our signature and they never bothered to tell us.
We create money when we apply for bank loans with our signature. It is our signature and credit in our ability to work that creates the money of account and this has been the case since XXXX. The banks have a monopoly to our credit and for this " service '' they charge principal and interest on nonexistent money all the time giving the impression they lent us their money and this is fraud because they never revealed where the money came from. This is true for Credit Card accounts and Mortgages.
1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XXXX XXXX, XXXX, XXXX H.J.R. XXXX. 1491 Public Law 1 48 Stat 1confirmed in ~XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a . When a government goes bankrupt, it loses its sovereignty.
2. Public Law 10 Chapter 48, 48 Stat. 112.
3. Public Law 73-10 40 Stat 411 4. Trading With the Enemy Act ( TWEA ) XXXX XXXX, XXXX 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected.Under HJR 192 XXXX XXXX, XXXX and validated in XXXX above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law Banks can not lend depositors money to borrowers without the depositors written authorization, in reality, banks do not lend their depositors money. ~12 U.S.C. 1828.
As the situation stands at present, the banker is in a unique position. He has probably the only known instance, in business of the possibility of lending something without parting with anything, and making a profit on the transaction, obtaining in the first instance his commodity free. ~XXXX XXXX XXXX in a speech in XXXX in XXXX. ( XXXX XXXX Decision, creating money from thin air ) A national bank has no power to lend its credit to any person or corporation. XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, certiorari denied in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
A bank is not the holder in due course upon merely crediting the depositors account. XXXX XXXX v. XXXX, XXXX NYS XXXX XXXX, XXXX.
2 ) That, the Federal Reserve Bank in its booklet ; MODERN MONEY MECHANICS page XXXX, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries.
3 ) That the giving a ( federal reserve ) note does not constitute payment. See XXXX v XXXX XXXX, XXXX XXXX XXXX.
4 ) That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX.
5 ) That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See XXXX v XXXX, XXXX XXXX XXXX.
6 ) That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See XXXX XXXX. XXXX v XXXX, XXXX XXXX XXXX XXXX.
7 ) Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ).
8 ) In light of the holding of XXXX XXXX XXXX vs. XXXX, XXXX XXXX XXXX ( XXXX ), take notice of ... As of XXXX XXXX, XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument.
9 ) U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ...
10 ) ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) 11 ) That because of failure of a lawful consideration the Note and Mortgage are null and void See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, case # XXXX ( XXXX ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being estopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '.
Your Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in 1933 and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501.
Any dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing eft 10. CONSPICUOUS EFT in red 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant has claimed, maintain, and have at all times has retained his Constitutionally secured Rights especially, but not limited to, all aspects of this instant matter ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences.
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11/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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After the XXXX Equifax data breach, it was recommended by several websites and financial institutions to freeze all 3 credit bureau files to protect against identity theft and credit mis-use. I requested to all 3 bureaus that my files be frozen and created security PIN 's etc. to be used when requesting temporary or extended/permanent un-freezes for legitimate inquiries. This seemed to work well for some time ( 1 year approximately ) however, after 2 different situations recently when attempting to legitimately allow companies to access my reports/files I ran into issues with Equifax.
When attempting to obtain a home loan ( XX/XX/XXXX ), I went online to XXXX 's freeze website and was able to easily use my PIN to unlock my report for a temporary inquiry, I did the same for XXXX with ease, however, when I attempted to temporarily lift the freeze with Equifax I ran into several issues. First, the website that I previously used to unlock/unfreeze the file was changed to a dedicated site, I attempted several times to both login with existing credentials used for the previous equifax site ( which still work on that site ), then I attempted to register a new account without success and after several help requests via email went unanswered, I called via phone to unlock the report.
This is where things got even worse. The customer service agents that answered the call were clearly from a foreign call center and of the 4-5 agents I interacted with, it was almost impossible to understand or communicate clearly with any of them. I am myself a bi-lingual person and understand the nuances and complexities of trying to speak in different non-native tongues and can appreciate these agents efforts, however, their particular capabilities were not even on par with basic English communicators. The questions being asked to verify my identity were completely confusing and vague at best. I was asked open ended questions such as " did you have a merchant account, credit account, or bank loan '' full stop, when I answered I've had dozens and started naming some, the first 3 - 4 agents were not satisfied with the answers and denied me the ability to unlock my report. Only after almost 2 hours of repeated calls did I reach an agent that was finally satisfied with my answers and unlocked the report. As anyone can imagine, this was completely infuriating. I then learned that the only alternative to unlocking online was to speak to representatives at this call center and endure a similar process every time or mail a physical letter and wait several business days for the action to be performed.
Since I had such a difficult situation with their phone option ( on two different occasions ), I started reaching out to their online customer service contacts for help correct whatever issue was happening with my online profile that would allow me to unlock/unfreeze the reports myself via their website. I submitted a help request on their website on approximately XX/XX/XXXX-XX/XX/XXXX ( don't have a date because it was an online form and only have an estimate due to the time I was having the difficulties and compared to the date when I received teh response. When I submitted that help request I detailed my issues and received the following response on XX/XX/XXXX : On Thu, XX/XX/XXXX at XXXX XXXX Customer.care@equifax.com wrote : Dear XXXXXXXXXXXXXX, We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account.
Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process.
There are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone : Mail this form to place a security freeze : https : //assets.equifax.com/assets/personal/Security_Freeze_Request_Form.pdf Mail this form to place a fraud alert : https : //assets.equifax.com/assets/personal/Fraud_Alert_Request_Form.pdf Call Consumer Care team by phone at XXXX between XXXX XXXX XXXX XXXX, 7 days per week.
We sincerely apologize for any inconvenience this issue may have caused.
Thank you for contacting Equifax, XXXX Equifax Consumer Care Team ref : XXXX : ref I was amazed that they seemingly ignored any attempts to resolve the issue with my online access and relegated me to the two other very slow and totally dysfunctional options. I replied with the following email : XX/XX/XXXX, XXXX XXXX to Customer.care@equifax.com That is absolutely an unacceptable answer. Your company was at fault for the 145 million person data breach that has forced consumers to take identity protection into their own hands. The government has mandated that the bureaus provide a mechanism that is easy to use that allows for people to freeze and unfreeze their credit and protect their information. Your phone system is not easy to use, it is time consuming and it is prone to errors and repeated failures both with the automated portion as well as with a live representative of which your company chooses to use outsourced companies for that are based overseas with nearly impossible accents to understand.
I demand that someone reevaluate my account and correct the problems that prevent me from using the online portion. I have no problems accessing XXXX or XXXX 's online freeze/unfreeze services and incidentally, I have no problem accessing Equifax 's main website through my normal login.
I expect that someone contact me directly to resolve this issue as it has caused an undue burden on myself and my family.
XXXXXX ( contact info ) XXXXXX They then responded with the following : Customer.care@equifax.com via XXXX Tue, XX/XX/XXXX, XXXX XXXX to me Dear XXXXXXXX, We received your research request from the Customer Care team and thank you for allowing us the opportunity to assist you. Your concern regarding online access has been reviewed.
The online registration process was designed with security and data integrity in mind. Multiple system requirements must be fulfilled to allow successful online data transfer. Though internet service is not currently an option, Equifax offers alternative options via telephone and US Mail to process your request.
Your escalated matter is still being reviewed to aid in future Customer Service management and Technology endeavors. Your provided details will be collectively used in Equifaxs ongoing efforts to better serve and support the credit community.
Equifax sincerely appreciates your patience during our investigation and review period.
Thank you, XXXX XXXX.
Consumer Relations Specialist XXXX XXXX XXXX Operations Clearly, this is not a response stating they will continue to work on my specific access issue, but rather a canned response that they'll use my details in " ongoing efforts to better serve and support the credit community. '' This is plainly outrageous ; this companies lack of oversight, security and control management allowed hundreds of millions of consumers very personal and private financial data to be released into the wild, creating a lifetime of potential identity theft issues for those users and their burden should be higher to help these consumers protect themselves from something that happened through no fault of their own but rather through the direct negligence of a billion dollar organization entrusted to protect these consumers information.
Please respond and assist myself and all other consumers in similar situations to protect what is rightfully theirs, their privacy and personal information.
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08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
|
To Whom It May Concern:
This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my
consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the
declaration of the rights granted to consumers under the Fair Credit Reporting Act.
The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit
report.
1. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a(4) CONSUMER RIGHT TO PRIVACY. THIS
BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX XXXX Bankruptcy
Case Number: XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY
CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g
AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS
THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST
CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA
2. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX
Date of inquiryXXXX XXXX
Please remove it from my credit report.
3. Account involved in litigation "an incorrect high balance" an inaccurate date of last activity "REAGED
ACCOUNTS" "Reinsertion WITHOUT PROPER NOTICE" an undated late pay a charge off listed as open a
collection account with a limit. XXXX XXXX XXXX Account Number: XXXX
Please remove it from my credit report.
4. FDCPA section 807 violation misleading false reporting.
XXXX
Account Number: XXXX Please remove it from my credit report.
5. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the
collection of this alleged debt. Cease and desist asap.
XXXX XXXX XXXX
Account Number: XXXX
Please remove it from my credit report.
6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
XXXX
Date of inquiry: XXXX
Please ensure that all information is accurate. If not proven delete this immediately.
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
XXXX
Date of inquiry: XXXX
Please ensure that all information is accurate. If not proven delete this immediately.
8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
XXXX XXXX
Date of inquiry: XXXX Please ensure that all information is accurate. If not proven delete this immediately.
9. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX
Date of inquiry: XXXX
Please ensure that all information is accurate. If not proven delete this immediately.
10. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
XXXX XXXX Date of inquiry: XXXX Please ensure that all information is accurate. If not proven delete this immediately.
11. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
XXXX
Date of inquiry: XXXX
Please ensure that all information is accurate. If not proven delete this immediately.
12. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is
an error this account in violation.
XXXX XXXX
Account Number: XXXX
Please correct/update this inaccurate information on my credit report.
13. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is
an error this account in violation. XXXX XXXX
Account Number: XXXX
Please correct/update this inaccurate information on my credit report.
14. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN
ERROR THIS ACCOUNT IN VIOLATION
XXXX Account Number: XXXX
PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE
THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA
623(a)(2)(B)
The Fair Credit Reporting Act specifically details that all items within a consumers credit report
must be reported with 100% accurate information (not 99.9% or less), must be 100% verifiable
(not 99.9% or less), must be 100% complete information (not 99.9% or less), and must only be reported during the allowable
reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that
the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore,
please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above
account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information
as contained on the reported trade- line is in fact 100% Accurate, Complete, Verifiable, AND Timely. Please do not provide some
generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further
perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports.
There is clearly already a problem with the system as it is. In fact, one recent consumer study
proved that over 79% of consumer credit reports contain errors. Another report shows that more than 90% contain errors. Why does
your company continue to operate with such low standards of success?
My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of
this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is
causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit
Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, RICO, SSCRA,
as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take
any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying
with the above-mentioned laws and/or acts.
Your companys continued reporting of this derogatory item will be considered willful noncompliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the
flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will
be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any
unnecessary legal expenses.
I have filed an attorney general complaint reporting your ignorance in processing this request and greeting
your mistakes CORRECTED.
**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS
OFFICE
Sincerely, XXXX XXXX
CC:XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection
Bureau1700 G. Street NW Washington, D.C. 2055
CC: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau via fax XXXX XXXX
CC: Attorney Generals Office
CC: XXXX XXXX XXXX CC: State Senate
CC: Federal Deposit Insurance CorporationCC: Comptroller Of The Currency
CC: Federal Reserve System
CC: Credit and insurance
CC: Federal Trade Commission
CC: State Regulatory agenc
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09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
SUMMARY OF COMPLAINT : As of XX/XX/2020, we are writing to request a final correction of error to our creditor, XXXX, to correct and update our XXXX Account on our Equifax Credit Report under Historical Account Information for : ( XXXX ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00}, ( XXXX ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00} and ( 3 ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00}. These items still need to be corrected and updated since it is still indicating a forbearance history on our Equifax credit report, which is entirely erroneous and inaccurate since our XXXX Account was NEVER in forbearance and SHOULD NEVER have been put in forbearance status, but was due to XXXX erroneous system, which they have admitted automatically reported our account in forbearance on XX/XX/2020 IN ERROR, AFTER we cancelled our forbearance request on XX/XX/2020. Therefore, our XXXX Account was never in forbearance and should never have been reported in forbearance status to all the consumer credit agencies and XXXX is legally liable to make us whole with no forbearance history indicating on our Equifax credit report.
FULL COMPLAINT IN DETAIL : CREDIT REPORTING ERROR : EQUIFAX Credit Report Our XXXX Account In Historical Account Information : ( XXXX ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00}, ( XXXX ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00} and ( 3 ) XX/XX/2020 - Remove Comments Account In Forbearance and Report Scheduled Payment Amount of {$4300.00}.
As of XX/XX/2020, our Equifax Credit Report is currently reporting our XXXX Account under Historical Account Information as follows : ( XXXX ) XX/XX/2020 - Comments Account In Forbearance and Scheduled Payment Amount not reported, ( XXXX ) XX/XX/2020 - Comments Account In Forbearance and Scheduled Payment Amount not reported, and XXXX XXXX ) XX/XX/2020 - Comments Account In Forbearance and Scheduled Payment Amount not reported ( Please see attached Equifax Credit Reports for Borrower and Co-Borrower Dated XX/XX/2020 ).
When speaking to our bank in order to obtain a new mortgage for an investment property, we were told that this shows prior forbearance history on our credit and would negatively impact our ability to obtain any new loan. By not removing all Comments Account In Forbearance in XXXX, XXXX and XX/XX/2020 and not reporting the Scheduled Payment Amount for XXXX, XXXX and XX/XX/2020 on our Historical Account Information for our XXXX Account, this prevents us from working with our bank or other lenders.
On XX/XX/2020, we contacted Equifax directly to request our XXXX Account on our credit report be corrected and updated as follows : in Historical Account Information : ( 1 ) remove all Comments Account In Forbearance in XXXX, XXXX and XX/XX/2020 and ( 2 ) report all Scheduled Payment Amount for XXXX as {$4300.00}, XXXX as {$4300.00} and XX/XX/2020 as {$4300.00} be entered and updated on our credit report, however, we were told that our creditor, XXXX, would need to update this information on our behalf since this is their Account.
Therefore, we are demanding that XXXX correct and update our XXXX Account directly with Equifax as follows : In Historical Account Information : ( XXXX ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}, ( XXXX ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}, ( 3 ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}.
As you are aware, by not removing Comments : Account In Forbearance in XXXX, XXXX and XX/XX/2020 and not reporting the Scheduled Payment Amount for XXXX, XXXX and XX/XX/2020 under Historical Account Information on our Equifax credit report, this is negatively impacting our credit history and credit scores, which is preventing us from working with any lenders on obtaining a business loan since it is reporting a forbearance history on our XXXX Account, which we have disputed entirely from the beginning due to your erroneous credit reporting.
Again, our XXXX Account should never have been put in forbearance status and we are demanding that you clear all forbearance history off our Equifax credit report.
EXPLANATION OF CORRECTION OF ERROR : Our XXXX Account Was Erroneously Placed In Forbearance Status And Was Removed On XX/XX/2020.
Our XXXX Account was never in forbearance and therefore, should never have been reported in forbearance status, but was due to your system error which your company have admitted it automatically placed our account in forbearance even after we cancelled the forbearance request on XX/XX/2020, which it should never have happened. Your system automatically reported on XX/XX/2020 IN ERROR to the credit reporting agencies, even AFTER our forbearance was cancelled, which your company has acknowledged this was a system error.
On XX/XX/2020, your company recognized your system error had erroneously placed our XXXX Account in forbearance status and therefore, removed the forbearance off our XXXX Account and updated the four major consumer reporting agencies : Equifax, XXXX XXXX and XXXX ( Please see attached Letters from XXXX Dated XX/XX/2020 and XX/XX/2020 ).
Therefore, our XXXX Account should never have been placed in forbearance nor have any indication of any forbearance history. We are demanding that you clear all forbearance history off our Equifax credit report.
FINAL RESOLUTION : XXXX To Update Our EQUIFAX Credit Report by Correcting The Errors On Our XXXX Account In Historical Account Information For ( 1 ) XX/XX/2020, ( 2 ) XX/XX/2020 and ( 3 ) XX/XX/2020 : By Removing All Comments Account In Forbearance and Reporting All Scheduled Payment Amount For Each Month.
We are demanding that you clear all forbearance history off our Equifax credit report. In order to do so, we are demanding a final resolution that your company correct and update our Equifax credit report regarding our XXXX Account under the Historical Account Information for XXXX, XXXX and XX/XX/2020 as follows : ( 1 ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}, ( 2 ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}, ( 3 ) XX/XX/2020 Remove Comments Account In Forbearance and report Scheduled Payment Amount for XXXX as {$4300.00}.
See attached Equifax Credit Report : XXXX Historical Account Information for Borrower & Co-Borrower Dated XX/XX/2020.
Please provide us a letter stating the above, that our XXXX Account has been corrected and updated with Equifax to report our Historical Account Information for XXXX, XXXX and XX/XX/2020 that ( 1 ) all Comments Account In Forbearance has been removed and ( 2 ) all Scheduled Payment Amount for XXXX, XXXX and XX/XX/2020 has been reported.
SUPPORTING DOCUMENTS Please See Attached Documents : 1. Equifax Credit Report : XXXX Historical Account Information for Borrower Dated XX/XX/2020 2. Equifax Credit Report : XXXX Historical Account Information for Co- Borrower XXXX XX/XX/2020 3. Letter from XXXX : Account Removed from Forbearance Dated XX/XX/2020 4. Letter from XXXX Removed Forbearance Dated XX/XX/2020 We look forward to an immediate and expedited final resolution. We thank you in advance for your time and effort in concluding this matter on our behalf with Equifax.
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03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX Telephone Number : XXXX Email Address : XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX : Proof of XXXX XXXX Ajais Identifications Dear Sir or Madam : I, XXXX XXXX XXXX ( Complainant ) have received Equifax XXXX XXXX XXXX ( Equifax ), letter dated on XX/XX/XXXX, regarding, proof of my identifications from two different categories listed below : ( One item will verify the Complainants identity and the other will verify her current address. ) Category 1 ) IDENTIFICATION Category 2 ) CURRENT ADDRESS Please make a copy of one of the following items.
The item you choose MUST contain your complete 9-digit Social Security number Please make a copy of one of the following items.
The item you choose MUST contain your current mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Pay stub with complete U.S. Social Security number Drivers License W2 form with complete U.S. Social Security number Rental/lease agreement or house deed Valid Social Security Card Pay stub with address Note : A work permit only card is not valid proof of a SSN. Utility bill ( i.e. gas, electric, water, cable, residential telephone bill ) with current service address.
See Exhibit A.
The Complainant, last year on XX/XX/XXXX, had sent Equifax by United States Postal Service ( USPS ) certified mailable letter number, XXXX XXXX XXXX XXXX XXXX, that contain category-one identification, a copy of her valid social security card, in conjunction with category-two identification, a copy of her electric bill, as stated above. See Exhibit B. The Complainant next question is, why do she need to verify her social security number, again ; after, she had mailed by certified mailable letter number, XXXX XXXX XXXX XXXX XXXX, a copy her of valid social security card for verification from her previous address ( XXXX XXXX XXXX, XXXX XXXX, in XXXX City of XXXX, in the XXXX of Illinois, in the zip code area of XXXX )? Her second ( XXXX ) question is, what really going on at Equifax XXXX XXXX XXXX, in which, their employees and non-employees ( affiliates ) are always requesting for a copy of her social security card and [ or ] Illinois Driver License? The Complainants social security number and date of birth should have not been change since, the first ( 1st ) original credit file reported to Equifax, in the early 1980s. The continuous violations doctrine in Equifaxs credit records file concludes, there are possibly fraudulent instruments used and [ or ] identity thieves have unlawfully changed their name to the Complainant, in order to unlawfully and persistently manipulate her social security number and date of birth with the intention of obtaining employment, housing and education opportunities using her Equifax credit file account resulting in, extraordinary cruel and unusual, excessive conspiratorial objectives ( under the Eighth Amendment ) for committing and concealing Identity Thefts, and [ or ] false impersonations in employment, housing and academic opportunities without her authorizations, acknowledgements, consents, and knowingly or willfully participations into Equifaxs employees and non-employees ( affiliates ), said conspiracies. The Complainant suffered from identity thieves employment, housing and academic conformabilities actions against her on the basis of her female birth XXXX, and female gender identity false XXXX determination preceptions on his or her malice aforethought, in premeditated criminal intents to commit inequitable employments, housing and academic opportunities when he or she knowingly and willfully participated, in using fraudulent or manipulated identity instruments, in order to conceal false impersonations have economically disproportionately affected, the Complainant by low tier-credit agencies equivalences in which, her social security number and date of birth does not exist pretense into compelled impoverishment.
The Complainant is suspicious these identifications sent to Equifax are unlawfully used to obtain employment, housing and academic opportunities inconspicuously behind her back, causing the Complainant a RELATIONAL IDENTITY AND IDENTIFICATIONS SURROGATES OR SUBSTITUTES BY WAYS OF INTENTIONAL DISIDENTIFICATION OF THE COMPLAINANT authentic identity, identification of goods, identity instruments and identifiers that triggered, IDENTITY SEGREGATION CONFROMABILITY TIPPING METHODS OR SCHEMES ; by particular Equifaxs employees and non-employees ( affiliates ) who [ m ] explicitly and implicitly facilitated credit file harassments, and software applications tampering and false defamatory rumors. In order to commit, conceal and aid and abet deceptive identity thefts and hiring practices unethical misconducts, and disidentifications deliberate indifferences, and conflict of interests, or Equifaxs employees and non-employees ( affiliates ) facilitated economic wage growth through identity thefts credit file manipulation activities by means of unjustifiable and enforceable rights with respect to, unlawful participations in substituting their Civil Rights protection categories quotas with the Complainant for economic subsidies, enrichments and entitlements that Equifaxs employees and non-employees ( affiliates ) preference treated and profiled more favorably, any person against the Complainants Constitutional and Civil Rights. In violations of the Complainants rights, in the Fourth Amendment revealed, deprived of life, liberty or property without due process of the law, the Sixth Amendment revealed, absence of due process, in a chance to confront her accusers by not receiving any legal notifications and [ or ] judiciary subpoenas or summons from any Law Enforcement or Credit Reporting Agencies, the Eighth Amendment revealed, extraordinary cruel and unusual excessive conspiratorial objectives to commit, conceal and aid and abet Equifaxs employees and non-employees ( affiliates ) false impersonations in identity thefts and hiring practices unethical misconducts, and the Thirteenth Amendment revealed, relational identity and identification surrogates or substitutes by ways of disidentifications of the Complainants identity who is forced into involuntary servitude from credit agencies identity thefts and deceptive hiring practices.
1 ) Tipping is defined, as a sociological phenomenon from prior problems, in the identity tipping principle suggest that one or more majority race, intra-cultural and religious groups will abandon and avoid a particular neighborhood or labor markets ; after, the minority population demographically increase in those particular areas or labor markets that exceeded, a certain point percentage ; in order to prevent tipping in those neighborhoods and [ or ] labor markets, any person are permitted to unlawfully supersede Federal or States laws by false impersonations, in using another person original identity by forged or fraudulent identification of goods, identification instruments or identifiers to escape any economic disparities and educational inequality to increase employment hiring practices, rental and housing opportunities and educational attainments quotas, in those Federally protected class categories by pretending, a person is classified, in the same race or cross-races category, in order to stay predominantly and [ or ] economically control by one or more race, intra-cultural or religious groups. Tipping occurs when one or more persons ( including thousands, hundreds of thousands or millions of people ) are on one original persons identification of goods, identity instruments or identifiers by ways of false impersonations in deceptive identity thefts and hiring practices.
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09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
CREDITOR : XXXX XXXX XXXX, ACCOOUNT NO ;. XXXX. NEGATIVE ITEM : 30 DAY LATE ( XX/XX/XXXX ) IN VIOLATION OF CARES ACT DELETION WINDOW ENDING XX/XX/XXXX. IN ADDITION IT ERRONEOUSLY REPORTED LATE 30 DAYS THE FOLLOWING MONTH XX/XX/XXXX.
This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system. Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( XXXX ) ( stating that, with certain exception, " if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period d es cri bed in item ( aa ), report the credit obligation or account as current " ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. Therefore, these below disputed accounts must be deleted ....
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12/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I demand the immediate removal of the following accounts from my credit report on the legal grounds that the original creditor has closed. The accounts are : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ). I demand the removal of all XXXX and XXXX accounts. XXXX and XXXX are the same company. On XX/XX/2018 I received a letter stating that these are all accounts associated with XXXXXXXX showing they are in fact the same company. This letter was in response to my demand for proof of liability. XXXX XXXX " proof '' was to send me the promissory notes that were signed with The XXXX XXXX of Colorado. In XX/XX/2018 the local news began reporting that The XXXX XXXX of Colorado would soon be closing. In XX/XX/2018 the local news reported The XXXX XXXX of Colorado officially closed. As such, I am no longer legally liable for any debts incurred, as the original creditor, The XXXX XXXX of Colorado, with which the contracts were signed, has closed. In fact, the building is being demolished. In XX/XX/2011 The US Department of Justice sued The XXXX XXXX XXXX parent company The XXXX XXXX XXXX or XXXX for {$11.00} billion in fraud. XXXX XXXX XXXX The government 's case alleged XXXX was paying its admissions representatives a commission based on the number of students they enrolled. It also claimed that XXXX was deliberately targeting low income and minority students. This was exactly my experience. The admissions representative XXXX XXXX, would do anything to get me to enroll. Including, lying to both my parents and I about my employment and salary prospects upon graduation. XXXX XXXX falsely claimed that students with only an Associates Degree could easily make " on average '' anywhere from {$75.00} thousand to {$100.00} thousand dollars a year. He stated a BA was not necessary and even that a Graduate degree was not necessary to earn this type of salary. In addition, the school had an open enrollment policy. No consideration was taken of previous academic performance and even though it was an Art school we were not required to submit any type of portfolio or demonstrate any type of creative ability in any way whatever. We were definitely targeted because I am a XXXX XXXX XXXX and because my family was poor. Neither of my parents graduated high school. In fact, I had to tutor them for their GED test when I was only XXXX years old. None of us understood the difference between a private for-profit college, a private nonprofit college, or a public college or university. We, like all of the students at XXXX schools, were swindled. In addition, XXXXThe XXXX XXXX financial aid representatives lied to students falsely claiming that we had to take out private student loans with XXXX ( now XXXX ) because we did not qualify for federal student aid. This was of course a bald-faced lie. In my own case, I was told by the financial aid officer XXXX XXXX to borrow the whole amount and " live off the student loan refund '' I had no idea what this meant, nor its financial implications and I had no one who could advise me otherwise. In my final year I was told by the financial aid office and XXXX XXXX that I was " out of money '' and that if I wanted to complete my degree I would have to pay out of pocket. I ended up maxing out a credit card with a {$2000.00} thousand dollar limit that resulted in a judgment against me which stayed on my credit report for the next seven years. Even after maxing out the credit card I still had to borrow money from my parents. Finally, XXXX XXXX and The XXXX XXXX and XXXX XXXX financial aid office told me I " must '' take out a loan with XXXX ( now XXXX ) in order to pay the rest of the cost of my education. At the time I was struggling with legally diagnosed disabilities and was not mentally competent to enter into any type of legal contract. Furthermore, I entered the contract under false pretenses and signed it under duress. It is therefore a legal nullity. Because of the extraordinarily unequal bargaining power, the contract is also legally unconscionable and therefore legally unenforceable. Regardless, as of XX/XX/2018, the original creditor, The XXXX XXXX of Colorado, with which the contracts were signed, has closed. This fact alone releases me from any and all legal liability for these falsely alleged debts. Now, one would think that an {$11.00} billion dollar lawsuit might motivate XXXX to change its evil ways. Instead, XXXX got away with a slap on the wrist. In XX/XX/2015 the government settled for a paltry sum of {$95.00} million. No student borrowers were compensated, XXXX refused to admit any wrongdoing, and refused to discharge the debts of any students who attended prior to XX/XX/2006. XXXX XXXX XXXXand Therefore, XXXXThe XXXX XXXX XXXX fraudulent conduct continued unabated until this very year. The paltry XX/XX/2015 settled resulted in The XXXX XXXX XXXX filing suit against the US DOJ in XX/XX/2017. XXXX XXXX XXXX XXXX The XXXX has demanded the release of the case files from the XX/XX/2015 settlement. They were awarded the files under a FOIA request, but unsurprisingly XXXX XXXX ( aka XXXX XXXX ) US DOJ has refused to comply in direct violation of a federal court order. So, finally, in XX/XX/2017 XXXX decided to ditch its for-profit college scam in a shady {$60.00} million dollar deal with a faux religious " charity '' called The XXXX XXXX. A new company was formed called " The XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is infuriating considering that all the students who were harmed are barred from claiming bankruptcy on our student loans. Soon after, all of The XXXX XXXX Campuses start falling like dominoes. They close one after another. In XX/XX/2018, the XXXX XXXX of Colorado closed releasing me from any liability. I can not begin to describe the substandard " education '' at this so-called school. All the teachers were jaded, they hated their jobs, had bad attitudes, and took it out on the students. Students constantly complained that the instructors did not know how to use the software they were supposed to be teaching us how to use. We also learned that the school did not have the correct accreditation. Therefore, any credits we had earned were not transferable to other schools should we decide to leave. We were stuck. We had to complete our degrees there rather than start completely over with our undergraduate education somewhere else. Then, once completed, we weren't certain we could go on to Graduate school because our degrees were essentially worthless. XXXX XXXX XXXX I did not get the promised return on my investment and therefore will not pay another dime. Frequently, teachers told me things like, " I feel sorry for people who go to The XXXX XXXX. They also told me, " You are way too smart for this school. '' Meanwhile, XXXX has harassed my parents and I for the last 15 years over these falsely alleged debts. XXXX has repeatedly falsely reported my accounts as delinquent, when in fact I have been relieved of all liability due to the school 's closure. In addition, XXXX has repeatedly threatened legal action and repeatedly falsely stated my accounts would soon default. When, in fact, a student loan account is not in default by law until after 270 days of nonpayment. I have attached a long record of XXXX XXXX fraudulent conduct. It has gotten so bad that at least four state attorney generals have joined a nationwide lawsuit against XXXX for defrauding borrowers in their state. I demand the immediate removal of all XXXX and XXXX accounts from all of my credit reports on the legal grounds that the original creditor has closed thus releasing me from any and all liability.
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST XXXX COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED XXXX STATEMENT ( S ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXX Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up XXXX person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
XXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX BANK Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California XXXX agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
|
11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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XX/XX/XXXX - I opened an XXXX XXXX XXXX card with " no limit '' at the advice of the XXXX rep, who stated this was the perfect card for a small business owner who was in the initial phases of the startup. I was clear that I did not yet have revenue, and that for the first year to two years, i would be using the card to fund my expenses and get me to my revenue streams.
XXXXXXXX XXXX - I was shocked to find out that my XXXX XXXX XXXX card with " no limit '' was shut down. I immediately began to attempt to understand, and according to them at this point, they had told me falsities about the credit line, and that an imaginary line of {$20000.00} usd had been crossed. While i found this insane, my only goal was to contain the issue and maintain my XXXX credit score. As a new business owner, this had the potential to destroy me and i made it clear we should discuss a better card for me, if that was their issue, and that I would be happy to pay right away, the amount above XXXX. This was when the XXXX began in earnest.
XX/XX/XXXX - No longer able to have meaningful discussions with ANY rep from XXXX, I was put thru the purposely setup " overcompartmentalization '' these companies put in place to ensure we, the consumer, are not able to EVER make any progress, and that they can continue to employ harder and harder bullying, and squeezing of us.
I was never provided a reason why this occurred, they never accepted or even entertained the idea that they should be with any blame. In the end I dont believe the reasoning i was provided is even true, i believe XXXX XXXX XXXX XXXX knowingly creates whatever they wish for each individual case, and then as they wish, destroys those same people thru their decisions and the follow thru being 'No cooperation ever ' with the former client they are now at odds with.
XXXXXXXX XXXX - Losing my mind with the setup listed above, I asked for and eventually was connected with some department that contains " executive '' in their title. I was assigned someone who made promises, befriended me, then carried thru with absolutely none of her promises, and threw a dagger into my financial heart in the immediate days following the Major Hurricane Disaster that was IAN. I live in the federally declared disaster zone so this is yet another major, i think, legal issue, this company created with their " promises of Hurricane Ian Hardship assistance '', and then NEVER EVER sharing any details to this supposed program, which to this day, I still do not know if it ever existed. The executive XXXX rep is named XXXX XXXX.
Fall/Winter XXXX : As i tried to rebuild my life in the aftermath of Hurricane Ian, keep my daughter and I safe, and keep my new fledgling Business alive, i continued to maintain contact with the, now once again, overcompartmentalized setup and its various groups of very guilty employees. The executive team that had told me point blank not to worry, not to stress at all, not to even take any action, as they were reviewing everything and would provide a solution that worked for all, that team would no longer even take my call, or an internal escalation. I should mention that shortly after my XXXX XXXX card was frozen, i was sent a threatening email from within XXXX, stating that if I did not pay the entire balance on my Business card, they would suspend and then revoke the " privileges '' on my personal cards. They followed thru rather quickly with this threat, and froze the remaining XXXX cards I had which included a XXXX card and a XXXX XXXX XXXX . I was under the impression being an LLC would protect me from this type of action but it certainly did not even stall XXXX. I still want to know what the XXXX with all that.
Back to later XXXX - I was paying from a depleted group of funds to all my long frozen cards, to keep my " perfect on time credit payment history '' in tact, but this was becoming very difficult as the Hurricane created an overwhelming pile of expenses that were urgent in nature. It was becoming clear the road would be a long one, and many things would need to be paid out of my pockets with the hope of reimbursement later on from Insurance, or FEMA or an SBA situation. The latter two are a joke but thats another story.
I asked XXXX repeatedly what they were offering those of us in Florida so that we could focus on the Catastrophe and i was told there was a program and I was in it, but no one at all could tell me what it was. Nothing at all changed with what they wanted each month, at what time, and for all the useless cards they had frozen. In XXXX, to save my sanity, i finally saw I had absolutely no protection, no ally, and if I wanted to attempt to save whatever was left of my credit ( score now XXXX from XXXX ), I had to enter an agreement with them, despite my hands and legs being tied up, and the insanity of the entire picture going into its 7th month.
XX/XX/XXXX - I purposely did not pay what I had been all along, on the XXXX XXXX XXXX. This was my only leg to stand on when it came to getting their attention. It worked, and between 20-40 or more calls with the XXXX and XXXX ( XXXX XXXX ) , i accepted an agreement where I would pay around {$1200.00} per month on the four cards in one lump sum payment each month. Obviously this was done under diress and without any assistance from their side or the ability to secure an attorney as i could not afford to put money in that direction recovering from the disaster. I hoped this would stabalize the issue long enough for me to focus on my other pressing needs, stop their complete and utter harrassment of me thru phone calls, texts, threats on the calls, and threats thru the mail, mail that came every day, sometimes multple times. This company is out of control and clearly no one is policing them.
They reported to the Credit bureaus for XXXX being late, and destroyed my credit score, as i mentioned above. I tried until i was blue in the face to get anyone to reverse that. They would not, they see themselves as an untouchable XXXX, and from what it appears they are.
XXXX XXXX XXXX : I paid the agreement month after month, on-time, even when they tried almost right from the gate to sabotage me ( by taking the lump sum payment and moving it to four separate payments spaced all throughout the month ). I began to not even think about the XXXX this company caused me, except that, this monthly expense is up there, and with four frozen cards, its basically money set afire. This was confirmed for certain when it became clear they were not even reporting the agreement or the fact i was paying at all, let alone, on time each month - to any of the credit bureaus. THey had th best of both worlds, they destroyed my credit, and were also getting me to pay them each month. Every time i advised them, they must follow their end of the agreement and report my payments, removing the default status or the agreement we were operating under would be invalidated- they just gave lip and no action.
Finally, at the behest of an attorney and one of the banks i work with, I headed their advise and stopped paying this extortion in XXXX. Immediately the harrassment has returned. I made clear initially and repeatedly since, to XXXX, that they simply need to report the payments and we can discuss a return to the agreement. While they say they understand and will be taking action to meet this request, they have done nothing. This is where we stand now.
I have little confidence that anyone will ever help me here, or that anyone actually holds XXXX XXXX accountable. XXXX XXXX employees exhibit a XXXX confidence that makes it clear they feel no threat for any of their disgusting actions.
Best-
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04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
As per 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Thus there is a need for CRAs to protect the consumer 's right to privacy.
As per 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( XXXX ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, reporting XXXX history is illegal. XXXX, Equifax, and XXXX continue to violate my federally protected rights under both codes mentioned above by continuing to report the transaction history of the following accounts listed under my name XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : DeptEDXXXX ( all accounts under this account name ) Account Name : XXXX XXXX, Equifax, and XXXX continue to violate my rights, as to these accounts XXXX under 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) Additionally, under 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. Based on the above, The following accounts remain inconsistent across all 3 credit reporting agencies : XXXX is willfully negligent in continuing to report 2 addresses that I have already listed as the result of identity theft ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; and XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX. As I am entitled to an accurate credit report among all XXXX credit bureaus. Thus, XXXX must delete these addresses immediately.
~As I am entitled to an accurate credit report across all 3 credit bureaus, the following accounts must be deleted as they are inaccurate : Account Name : XXXX Account Name : XXXX XXXX XXXX/Original Creditor : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : DEPT OF ED/XXXX ( all accounts under this account name ) Under the Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way all 3 credit bureaus have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 Under 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Thus, I am opting out of XXXX, Equifax, and XXXX 's reporting services and revoke any and all written, verbal, implied, and/or all other forms of consent that all 3 CRAs may believe that I have given as it relates to reporting my address or any other assumed addresses all 3 CRAs may believe I have been or am associated with. I also opt out of all 3 CRAs reporting of all TRANSACTIONS or EXPERIENCES between the consumer and all data furnishers and/or persons making the report. I also opt
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05/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
|
|
Web |
Older American |
Date/Time of Occurrence : XX/XX/XXXX, at approximately XXXX PST.
What happened : When I attempted to electronically file my XXXX State and Federal income tax forms, I was initially unable to do so due to my wife and my credit reports having been previously locked by me. I contacted Equifax and had them unlocked ( or unfrozen ) and was then able to electronically transmit our XXXX Federal and State returns.
Some time passed after my taxes were successfully received by the State and Federal authorities and on XX/XX/XXXX, I decided to lock my credit reports again. I attempted to do this via the Internet and the Equifax website but was unsuccessful. Part of my confusion had to do with Equifax having several different tools to lock and unlock or freeze and unfreeze our credit reports. And, I wasnt sure what I had originally used. I was not having success using the Internet to have them locked or frozen again. So, I decided to call Equifax customer service for assistance. I reached a male customer service rep and explained what I wanted to do. He asked to speak to my wife and I gave the phone to her. He asked her a series of questions to validate her identity and when he was certain of her identity, he accomplished the freeze or lock of her credit report. She then handed me the phone and when I attempted to speak with the Equifax employee, he had either hung up or the line was disconnected.
I redialed the Equifax help number and was connected to another Equifax employee, this time a female with a foreign accent. I explained the situation and she proceeded to ask me a series of questions. I had trouble understanding her due to her accent but was able to get through her initial series of questions successfully. Finally, with one question that required more back-and-forth dialog, I had to keep asking her to slowly repeat herself because I was having a problem understanding her. I asked her to transfer me to a person who spoke English without an accent and she refused to do so, claiming that I had understood her previous questions. The question she kept asking me was a question that required more dialog between us and her accent made this more difficult for me to understand her.
Her question was : Do you have any credit card accounts that were issued by a store. I answered that I had a XXXX credit card but I wasnt sure that it was what she wanted because the card not only could be used by me at XXXX but also anyplace else that accepted a VISA card. I understood her to ask what my monthly payments were for the card. Again this required back and forth dialog because I pay all my credit cards off to a XXXX balance each month and consequently my payment is never the same from month to month. So, I signed on to my XXXX account on the website and began to give her some monthly payment amounts for recent months. She seemed confused, or at least did not respond to my payment amounts, so further dialog with her once again made me realize that I needed to talk with somebody who spoke English without an accent. She refused and then she announced to me that she was locking my account and I would only be able to unlock it by mailing information to Equifax. I asked to speak to a supervisor and she would not comply with my wish. She insisted that mailing in the required identity information was the only way that my Equifax account would be available for me to deal with my account.
So, at this time I am frustrated. I have two homes one in XXXX and the other in XXXX. I am currently residing in my XXXX home. The letter I must write to Equifax in order to allow me access to my credit report functions ( locking, freezing, etc. ) requires that I provide them a number of items to validate my identity including a photocopy of my birth certificate. I dont have a copy of my birth certificate at my XXXX location which is 950 miles away from where it resides in XXXX. Fortunately, I do have my U.S. Passport with me in XXXX which I will attempt to substitute for my birth certificate in my letter to Equifax. I dont know whether they will accept that in lieu of my birth certificate. And, I was told by another Equifax representative that this is the only way that I can restore my access to my credit report now that it has been locked by Equifax.
Im sure you can not imagine how frustrated this makes me. I see this Equifax company receiving personal information from me and millions of others and with little regard for anybody but themselves, releasing it to unauthorized hackers. I have no choice in whether or not they have access to my information. Then they have the arrogance to offer a bunch of confusing tools to prevent me or anybody else from accessing my files some of which would require me to pay money to use others which are free but confusing to use which I suppose is intended to motivate me to pay for something which is required all because of their failure to properly do their job.
Why not allow consumers to be able to select 3 out of, for example, 5 credit reporting companies to hold and manage their credit data. This would tend to weed out the incompetent companies like Equifax by denying the data to them. This would also motivate all of them to treat the publics very important data with a lot more consideration as to its security.
I know the Consumer Protection Agency must be inundated with this kind of complaint ; I suspect particularly having to do with Equifax. I have taken a lot of my time to file this complaint and I hope that you can have some corrective influence with this rogue company. I will talk to my local congressman about my complaint as well. This is a classic catch-22 situation and deserves attention from the proper authorities. It wouldnt take many steps experienced by me to have prevented me from being able to transmit my income tax filings to the IRS and State agencies.
Incidentally, I believe my calls to Equifax were recorded. If Equifax doesnt deny you access to it, you will find that I was respectful to their representatives. I think you will find it interesting. I dont blame the several Equifax agents that I spoke to. I do blame the problems, from the beginning, on the disregard by Equifax management, for the people whose data they collect and are entrusted to protect.
Finally, I have no quarrel with Equifax attempting to validate that I was who I claimed to be. What I find incomprehensible is that they shut me down and diverted me into a process that required me to solve my identity problem by using services that demand slow resolution, i.e., the US Postal Services, etc. Yes, they did allow FAX transmittals, but when I asked about using email, that was denied. Not many individuals use or have easy access to FAX these days. The better and most efficient service would have been to provide me with an English-speaking individual who I could dialog with and clearly confirm the questions and answers related to my identity. So, if you are going to be in the very important credit reporting service industry, which can have serious negative results associated with processing delays in todays business functions, you should be certain that individuals involved in the very important identity function be able to clearly and effectively communicate with the American public. And if that requires that you have people who speak XXXX for Americans who communicate more comfortably in XXXXso be it, and make sure you give such folks access to those who can freely and effectively communicate in XXXX. At the very minimum, you should provide access to clear-speaking English agents if you are going to shut out English-speaking Americans from accessing their credit reporting functions.
|
06/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
To Consumer Protection Agency I am reaching to you today for your assistance for you to investigate this very serious matter that unfortuinaly I am experiencing with : Equifax credit reporting agency ( I believe the dept. dealing with is consumer affair I will mail to you in private in order for not to disclosure of the name of the people involve on the atrocity negligence the way they are currently taking my credit file and I accuse them full culpability of the consequence affecting my file knowing and having full knowledge of their action that of the information added to my credit file I am listing to you all the error committed and I will follow the action they have taking and what have change from day to day. Fortunally I have record of my credit file how it was before they took over my credit file and mess it up you will find with ease the violation has taken place I have kept record and full document of every action they have initiated I will be using all the evidence for a lawsuit to Equifax and the people involved in the event this would not get resolve out of court I reported to Equifax that my identity have been compromise after discovering several derogatory account place on my credit file. I quickly begin to learn what can be done a learned what process it must be taken with continue disputing all the inaccurate information from deferent sources. I do want to say that Equifax when compare with XXXX and XXXX they have been the worse to help you with anything what you ask, they come back with another respond that was not in any way relate to what the dispute should been, so waste of time. Regardless of having Equifax not doing what they are to enforce was a big obstacle on then to cooperate but I was able to somehow the account in dispute have it remove with the excision on one collection medical account that is refusing to remove the account from been reported to my file. Knowing the situation that one is not mine and two I was fair to ask them to produce the evidence that they believe belong to me four chances and they did get back with any.. Equifax in the meantime responded that the collection account is in fact they are reporting is accurate, really! That is to say something is wrong with how this all play and what is been done are two separate reality. I then summited documents of been a victim of identity theft by mail twice, they claim never received. That is when I then summited a complaint and also summited for the 3 time the documents relate to identity theft. I reported a complaint with the consumer protection agency Bureau. I am glad I have because you will find all this on my account with you is all there so they can not deny not having any record of it. On or about XX/XX/XXXX I receive a letter from Equifax disregarding any knowledge of Identity theft the only mention this We have received you request concerning your annual free credit report from Equifax and are looking forward to assisting you. However, the information you provided as proof of your identity does not match your information currently on file. Therefore, to protect your credit information, we must ask for some additional information in order to verify your identification and address. I then immediately gave then a call the representative says that I need it to resubmit my id and copy of social security card From this point forward they have denied assistance to me with my credit file because they can not verify who I am On or around XX/XX/XXXX send to Equifax I then again for the 3 time summited proof of identity I provided to them by fax the following : XXXX State Id issue from DMV Copy of my Social Security Card issue from the Social Security Administration On XX/XX/XXXX When I call they say that they can not help me because the information send to them does not match their record. I was not told what records they are referring they will refuse to help me or give any advice because I can not proof my identity. This is crazy I have giving then the only proof with correct identification On XX/XX/XXXX I pull one credit report online on an account I have with Equifax To my surprise this is what change on my credit profile was 1. My name was change adding an middle initial that I dont have 2. There were added some other names used about 4 names that Is not me never have use such name 3. My employment history was gone delete 4. My address history was gone 5. New address were listed that I never live on those address reported 6. There was 11 derogatory charged off account added to my credit file 7. Another collection account 8. 3 third buyers account 9. They have added or was reported another Social security number no mine In summary my identity was overnight change with new name new address middle name added a new social security number, I only have one. I am getting calls from does creditor demanding money all day long this have cause lot of damage to my poor health already in jeopardy I call then and ask who and why that has been added to my record I then see something is wrong please investigate. They denied saying that it was correct how can it be? Yesterday or the day before was not there and today is there? Something does not match up They are reporting incorrect information all of it. Is clear to see what has happen and they cant figure this out, they did it, because I have called the creditor which by the way I have an account with then in good standing if I have account not paid would I be having any account with that company no! So this is what I have found out whoever that person is they have use my name with another social security an open credit card account And I am definitely they have used my identity is clear but now their information have been merge with mine. And because of that I am not longer who I am base on Equifax this is XXXXup. What did they forget that I have reported identity theft and what I got was get kick out of my credit file.XXXXup So I have call and call they refuse to see what I have investigate saying that the only way they may not help if I provided to then my identity So a then again send it by fax this time I have added more identification for the to see they are mistaken. Fax to Equifax US passport current issue by the department of state My XXXX XXXX XXXX Id which I gain when I became a XXXX XXXX. This is another reliable id Copy of my current electric bill to proof my mailing address XXXX State ID I finally talk to this woman nightmare I was told that what I have sent will not proof anything and they can not used thatAre the XXXX crazy. Then she say that they need now a 1. sign form from social security office form XXXX XXXX and 2. my birth certificate Without that they will not tell me or do anything.now they way out of line I know they can not ask for that is illegal Dear Consumer protection Agency please help me with this what they are doing is horrible and should never be allow. Look what I have provide more than what is required and they say they can not used that, In top of that the reporting information from whoever used my identity on file and I can not have a word on that this is all bushed I will sue then that is for sure. Plead and say the true to my acknowledge So I immediately did an online search I have input that social security number to get general information basic ( no sure how credible it was but this is what I got ) I went to XXXX XXXX XXXX It appear that it was issue in XXXX on or around XX/XX/XXXX I have done everything I can on my part 1. They have denied access to my credit file and they have create a false file of who that now snowrolling
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05/27/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
On XXXX XXXX , 2 017 , I happened to do a XXXX search on my name and discovered a disturbing advertisement on a page hosted by a company that evidently gathers information about people from public records and offers it for sale without their knowledge. I have a hyphenated last name that I have had since birth and never changed or used in any other form, but this website was offering to sell information about me and all of my family members, and also connecting me to people with criminal records (which I do not have) by deceptively insinuating in the advertisement that I was some sort of unscrupulous person who could be traced through various aliases.
In order to connect me with and list all of my family members, and also to list my age, and cities I have lived in in this advertisement, the company had to use my full hyphenated last name, particularly in connecting me with family members listed with the proper last name. But in order to connect me with the criminal record also listed in the ad, the company had to drop part of my name. I noticed an opt-out procedure on the company's website, but was reluctant to contact and provide any additional information to an enterprise that was so obviously deceptive and unscrupulous.
During the next few days, I filed complaints with the FTC, the California Attorney General's Office, and the FCC. I also started reaching out for legal advice, which eventually led me to the Consumer Finance Protection Bureau, and also (prior to that) to a need to check my credit reports for accuracy. I learned that it was possible for me to check all of my credit reports for free once a year through a website a t XXXX , which I set about doing on XXXX XXXX , 2017.
In order to see my credit reports immediately online, each of the XXXX credit agencies required that I answer questions about past addresses and the like. The process was quite smooth with XXXX and XXXX . So I was able to see my credit reports right away with each of these agencies, learn to my surprise that all of these permutations of my name and even more were listed along with the rest of my background information, and also quickly and easily arranged over the telephone to have the inaccurate versions of my name removed.
Unilike with XXXX and XXXX , however, all of the questions posed in the Equifax online validation procedure were totally unrelated to me. So I answered in the negative to all of them and was denied online access to my Equifax credit report. This (in combination with the information about me being advertised unscrupulously) raised concerns of identity fraud for me. So I placed a fraud alert on my credit reports and telephoned Equifax's dispute department.
The dispute representative at Equifax was able to remove all of the incorrect versions of my name except for one. Evidently Equifax had decided that my actual name was a "former name" and that my newly adopted last name consisted only of the second half of the hyphenated name that I have had all of my life. I asked how they had come to this conclusion. I was told that the information had come from a creditor, but for some reason they were unable to inform me of who this creditor was and when this change had come about.
I informed the dispute representative that this was unacceptable and was transferred to the fraud department. After I had waited on hold for somewhere between five and ten minutes, a fraud representative answered the phone and informed me that the only way I could change the information was to fax copies of government issued picture IDs to Equifax. I did so that evening from an XXXX store where I was able to locate a fax machine, because they do not accept scanned images by e-mail.
I also left a highly dissatisfied online survey, but called back the next day to make sure it was understood that I was absolutely infuriated by the intransigent company policies that seemed to be making me a target for unscrupulous online nonsense, but not by the people I spoke with, who despite being courteous and seeming genuinely concerned, seemed also saddled with administering such intransigence.
During my call, the Equifax representative I spoke with suggested that I purchase a subscription to one of their services that would inform me whenever there was a change to my credit report. I decided to do so, even though it felt like I was rewarding them for their intransigence, because it seemed like the closest I could come to figuring out, in the short term anyway, whether or not I was actually being victimized by some sort of fraud (over and above the deceptively unscrupulous advertising mentioned above).
A little more than a week after faxing my information to Equifax, I called the dispute department again to ascertain if the changes had been made. After taking several minutes to check, the representative informed me that the fax I had sent more than a week earlier had arrived. The copies of my identification had not come through clearly enough to be usable, he said. But the introductory letter I had sent with it was quite clear.
I was furious once again that I had not been informed of this, and probably would not have known at all if I had not called and asked. On looking back at the image copies I sent, I realized that they had been created on a color scanner, and that perhaps this was the problem in sending them as a black and white fax. So I subsequently sent them to an Equifax postal address that the dispute representative supplied during this late XX/XX/XXXX call. I was informed that once the information was received, it could take between 30 and 45 days to make a change.
It is now l ate XX/XX/XXXX and I have cancelled my subscription to the Equifax service that essentially informs me whenever my credit report is accessed. A large part of this is due to the anger I experience every time they contact me, because their communication is still always addressed to this newly truncated version of my last name. And all of the credit report copies I have received still list my actual name under "Formerly known as."
All of this is occurring at a time when I have been applying for both jobs and a mortgage with organizations that routinely ask permission to access my credit reports to certify not only my credit worthiness, but also the trustworthiness of my character. It is bad enough that an unscrupulous organization has the right to sully my character with deceptive advertising, at least according the the form-letter response I got from the California Attorney General's office.
But to have one of the XXXX major credit agencies blatantly telling both potential employers and lenders that the name I gave them on my application is a former alias, totally inaccurately, based on information they are unwilling to share, and for who knows how long without my knowledge (I would not have known if I hadn't checked) is totally frustrating and infuriating to say the least. This is particularly so after I have repeatedly called, provided information and even subscribed to one of their services to try to both fix problem and ascertain the extent of the damage.
To make matters worse, the building in which I live has recently experienced a problem of mailboxes being broken into. I am sure this has nothing to do with Equifax. But concerning issues of identity theft and fraud, this simply increases the possibility of unscrupulous characters (such as the companies with unscrupulously deceptive Internet ads) finding and taking advantage of the type of erroneous information that Equifax seems to be both making available and also extremely slow to change once informed.
|
06/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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|
Web |
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FRAUD WAS COMMITTED ON 4 MAJOR CREDIT CARDS AT VARIOUS STAGES. XXXX XXXX AND XXXX XXXX WERE ALERTED AS SOON AS THE FRAUD WAS PERFORMED, THEY WERE GIVEN COPIES OF THE XXXX COUNTY SHERIFF 'S OFFICE [ XXXX ] REPORT AND THE XXXX ECONOMIC CRIME 'S DIVISION DETECTIVES REPORT.
THE DEPUTIES AND DETECTIVES TRIED COMMUNICATING WITH XXXX AND XXXX XXXX, WE DO NOT UNDERSTAND WHAT THEY ARE SAYING. FRAUD DIVISION KEPT TELLING THE SERGEANT " ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' ( XXXX ) AND WITH XXXX XXXX THEY JUST STATED " XXXX XXXX XXXX ALERTED US OF FRAUDULENT TRANSACTION PERFORMED ON CREDIT CARD '' THE DETECTIVE DID ASK WHERE AND WHEN. HE DID FIND IT VERY STRANGE THEY WERE ALL ( ALL 4 OF THEM ) WERE DONE AT THE SAME TIME AND SPENT ALMOST IMMEDIATELY?
BUT BOTH XXXX FRAUD AND XXXX XXXX FRAUD DIVISION WOULD NOT STATE WHAT THOSE ITEMS WERE. EVEN WHEN THE SERGENT BARKED AT THEM AND SAID " SHE'S STANDING HERE IN FRONT OF ME, I WILL PLACE AN ARREST ON HER SINCE YOU'RE ACCUSING HER. NAME ME THE ITEMS THAT WAS SUPPOSEDLY STOLEN WITH 'HOT MONEY '. '' MY ELDERLY MOTHER OVERHEARD THIS XXXX FRAUD GUY, SOUNDING YOUNG JUST TOLD THE SHERIFF 'S THAT " PURCHASED A 60 '' WALL MOUNT SMART TV, XXXX, XXXX XXXX '' BEFORE SOMEONE IN BACKGROUND TOLD HIM TO SHUT UP.
[ YES, THERE'S A PROBLEM WITH THAT. XXXX/XXXX AND I DO NOT GET ALONG, WE DO NOT SEE EYE-TO-EYE, I AM A CERTIFIED ( RETIRED ) PLATINUM XXXX. AND THEY KNOW EXACTLY WHAT I HAD ON ME AND IN MY PROPERTY. ] SERGENT ( INTERRUPTED ) WHERE WERE THEY PURCHASED? WHAT STORE? I WANT TO SEE THE VIDEO. '' XXXX FRAUD DIVISION : " ONLINE. '' THE DETECTIVE CHEWED HIM OUT, TOLD HIM TO FAX THE LIST OVER TO HIM AND ALSO SPECIFY WHERE ITEMS WERE SHIPPED TO.
XXXX FRAUD TEAM SAID " ITEMS WERE SHIPPED AND DELIVERED TO XXXX, TEXAS, WHERE " HER SECOND RESIDENCY '' WAS LOCATED. '' FROM THERE, BOTH SERGENT AND DETECTIVE WERE YELLING AT THEM. REMINDED THEM THAT THE FRAUD WAS ALREADY REPORTED. SO WHY DIDN'T YOU WORK WITH THE CUSTOMER TO FIX THE PROBLEM? INSTEAD, YOU THREW HER OFF WITH NO KNOWN HISTORY SINCE XXXX OR SOMETHING LIKE THAT? THEN HARASS HER FOR PAYMENTS FOR ITEMS SHE DIDN'T BUY OR EVEN HAVE IN HER POSSESSION? PLEASE ADVISE ONE MORE TIME THE SPECIFIC REASON WHY YOU SHUT HER DOWN COMPLETELY?
( XXXX XXXX HAD DISCONNECTED THE CALL, HOWEVER, XXXX XXXX REMAINED ON THE LINE ) HE WAS TOLD " IF YOU WANT FURTHER INFORMATION, PLEASE PROVIDE US A WARRANT. '' THEN THE DETECTIVE CAME UP AND SAID " WHY DID YOU SHUT HER DOWN AT THE LOCAL BANK FOR? '' MY MOTHER HEARD IT, THREE DEPUTIES ( ONE BEING A SERGENT ) HEARD IT, THE DETECTIVE HEARD IT, MY 2 NEIGHBORS HEARD IT - I DIDN'T HEAR IT BECAUSE I AM XXXX XXXX.
XXXX FRAUD DIVISION ( WHICH HE GOT TERMINATED ) " BECAUSE SHE'S A XXXX, A XXXX XXXX, LIVING OFF OF WELFARE AND USING AN ELDERLY WOMAN TO DEPOSIT LARGE SUMS OF MONEY INTO HER ACCOUNT. '' DETECTIVE DID ASK " SHE'S A XXXX XXXX, SHE'S NOT XXXX, HER MOTHER IS AMERICAN AND IS XXXX. ARE YOU SURE YOU ARE TALKING ABOUT THE SAME PERSON? HAVE YOU EVER SPOKEN WITH HER? AND PLEASE ADVISE WHAT LARGE SUM OF MONIES CONCERN YOU? '' XXXX FRAUD DIVISION ( SAME FELLOW ) " SHE HAS AN ELDERLY WOMAN PUTTING ONE THOUS IN HER ACCOUNT '' DETECTIVE " SO? IS IT EVERY DAY? ONCE A WEEK? WHAT? '' XXXX FRAUD DIVISION : " ONE THOUS EVERY MONTH. SHE'S SCAMMING OLD PEOPLE. '' DETECTIVE : " NO SHE IS NOT. '' XXXX FRAUD DIVISION : " YES SHE IS, AND I CAN PROVE IT. I WILL PROVIDE ONCE YOU REQUEST IT, WHO THAT OLD GOAT IS! '' DETECTIVE : " HER MOTHER, SHE IS STANDING RIGHT IN FRONT OF ME. SHE ALREADY TOLD ME SEVERAL TIMES IN THE PAST, THE ESTATE OF HER DECEASED FATHER, BOTH DAUGHTERS GET XXXX XXXX A MONTH. IT IS NONE OF YOUR BUSINESS ANYWAY. '' XXXX FRAUD DIVISION " ( PROFANITIES ) '' AND DISCONNECTED THE LINE.
IT WAS ALREADY REPORTED AND DOCUMENTED, I HAD ALREADY PROVIDED THEM THE POLICE REPORT FOR EACH 3 XXXX CREDIT CARD AND 1 XXXX XXXX CREDIT CARD.
XXXX XXXX AND XXXX XXXX WILL NOT SPEAK WITH ME. THE INCIDENT HAPPENED IN XXXX. I WAS PAYING THE BALANCE I ACTUALLY OWED BASED ON THE LAST STATEMENT I HAD ; THEY WOULD NOT REMOVE THE FRAUDULENT CHARGES.
THE DETECTIVE FOLLOWED UP WITH XXXX IN XXXX, AND HE TOLD ME TO STOP PAYING THEM.
WITH XXXX XXXX, THEY KEPT PROMISING TO RESTORE MY ACCOUNT, PUT MY STATEMENT AS IT WERE PRIOR TO THE FRAUD EVENT. I AM CURRENTLY STILL PAYING XXXX XXXX BUT THEY HAVE NOT REMOVED THE FRAUDULENT TRANSACTION NOR HAD THEY EVEN BOTHERED WITH RESTORATION OF THE ACCOUNT.
BY RESTORATION : MOVE THE ORIGINAL BALANCE PRIOR TO THE EVENT TO ANOTHER NEW MASTERCARD.
BOTH XXXX AND XXXX XXXX REPETITIOUSLY ON A KNOWN FRAUDULENT CASE, DID INCREASE MONIES, DID INCREASE FEES, DID INCREASE INTEREST, AND WITH THREATS OF " CONTINUE TO DO SO TO HARM A VICTIM 'S CREDIT '' WITH A KNOWN REPORTED AND DOCUMENTED FRAUD EVENT.
WHILE I HAVE RELATIVES AND FAMILY MEMBERS IN XXXX XXXX ( RETIRED ). THEY ARE UNABLE TO DECIPHER WHAT " '' '' ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' '' '' WAS SUPPOSED TO MEAN. THE DETECTIVES ARE CLUELESS, I'VE PERSONALLY SPOKEN TO BRANCH AND BANK CEOS FROM VARIOUS FINANCIAL INDUSTRIES, AND NOT ONE SINGLE PERSON COULD EVEN UNDERSTAND WHAT THAT IS SUPPOSED TO MEAN.
THE FACT XXXX THEMSELVES SHUT MY PERSONAL BANKING ACCOUNT DOWN IMMEDIATELY, DID CAUSE ME HARM AS MY SOCIAL SECURITY WAS DIRECT DEPOSIT. AND THEY DID REFUSE TO PAY BILLS THAT WERE PAID ELECTRONICALLY. INSTEAD, GAVE ME MONEY ( CASH ) FROM THE TIME THEY DID SHUT DOWN. I JUST WENT TO XXXX XXXX SINCE I'VE HAD THEM FOR YEARS - THEY KNEW WHAT WAS GOING ON BETWEEN XXXX AND XXXX XXXX. QUITE FRANKLY, WAS EXTREMELY EMBARRASSED BY THEIR COMPETITOR 'S BEHAVIOR. THERE WERE NO EXCUSE FOR THIS.
AFFIRMATIVE, XXXX XXXX KNOWS ALL ABOUT THIS ABOVE AND THEY, THEMSELVES HAVE NO IDEA WHAT : " ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' WAS SUPPOSED TO MEAN EITHER. IN FACT, HE HAD SUMMONED THE CORPORATE OFFICE TO GET THEIR LEGAL TEAM TO ADVISE, AND AA FEW DAYS LATER, THEY RESPONDED WITH " TECHNICAL GIBBERISH, TRYING TO BE A HOT SHOT WITH FANCIFUL WORDS. '' BASICALLY, XXXX FRAUD TEAM WAS RUNNING OFF THEIR MOUTHS WITH NONSENSE.
ONCE AGAIN : XXXX WILL NOT SPEAK WITH ME.
XXXX XXXX AS OF XXXX, WILL NO LONGER SPEAK WITH ME I AM NOT ALLOWED TO BE ON ANY XXXX OWNED PROPERTY THAT CONTAINS XXXX XXXX - THEIR FRAUD TEAM ISSUED THE WARNING AND WOULD PROVIDE ALL XXXX XXXX MY FACIAL TRACING THAT I WOULD BE XXXX IMMEDIATELY IF FOUND AT ANY OF THEIR BRANCHES.
IN FACT, THE SHERIFF 'S OFFICE WERE IN A DISTANCE JUST TO SEE IF XXXX WOULD HOLD THEIR WORD BECAUSE THEY SHUT MY CHECKING ACCOUNT DOWN INSTANTLY AND THEY HAD TO PAY ME. THE LOCAL BRANCH MANAGER WAS SO ANGRY ( SHE ORIGINALLY CAME FROM ANOTHER BANK THAT WHERE I HANDLED THE LOCAL CHURCH 'S FINANCES AND WAS A DESIGNATED AUTHORIZED PERSONNEL ( NOT A GUARDIAN ) FOR SOME ELDERLY FOLKS TO HANDLE SOME OF THEIR AFFAIRS. ) THAT SHE REFUSED TO EVEN CALL THE LOCAL AUTHORITIES TO HAVE A " TRESPASS '' WARNING ISSUED AGAINST ME, SHE ALSO LEFT THE BANK AS WELL IN PURE DISGUST. SHE WAS AT LOSS FOR WORDS THAT XXXX FRAUD TEAM WOULD GO THROUGH THAT EXTREME MEASURES AND FELT TERRIBLE THAT THEY CALLED MY MOM AND OLD GOAT.
SHE WAS THAT ANGRY WHERE SHE CALLED HER SUPERIORS TO LET THEM HAVE IT ; ONLY TO FIND OUT THAT 4 OF THOSE BOYS IN THEIR FRAUD DIVISION WERE ALREADY TERMINATED ( THAT WAS ONE WEEK BEFORE SHE LEFT ).
ODDLY, I DO NOT HAVE A SECOND HOME AND NEVER BEEN TO TEXAS. I AM NOT XXXX, I AM XXXX XXXX, I AM XXXX XXXX / XXXX EMPLOYEE.
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12/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
Equifax, XXXX, XXXX or FICO are not updating information properly on my profile. And it is causing a severe financial hardship.
XXXX XXXX XXXX has been paid off since XXXX and it stills shows I have a balance XXXX XXXX XXXX keeps renewing a collection that was never proven to mine but has been indeed identified as identity fraud and is still able to report information on my credit report as if its a current collection when it was a collection that was removed and bought by another collection company dated back in XXXX. They stated I lived in a false address that I've never lived in..however that address is a location of base but not the physical address of my location and many military members have been victims of this because the address is a address affiliated to the location of the base but is NOT an physical address of any member located or stationed at that base as that base has individual addresses within the base. this company has harassed me with the name of XXXX XXXX and wrong numbers and tried to have me verify information to try to prove their case more accurately to collect money from me that i do not owe. They've been doing searches to try to solid their information because their information in the beginning was inaccurate. And every time they have been disputed they disappear and reappear again and they reappear on my credit report as its a new establish collection but in truth it's a collection that was removed almost 3 years ago which is playing a heavy part of defeating my credit score.
XXXX XXXX XXXX XXXX/XXXX card services This company is being reported as charged off on my credit report but that's in impossible because i have automatic payments coming out and the other card was paid. I've sent the credit bureaus copies of this and they still report it as a charged off account which is not accurate. One of the cards were closed base of the company 's policy not by member. member has automatic pay dating back from XX/XX/XXXX. This card was never late as it automatically paid.
XXXX XXXX XXXX XXXX Was proven to be a false account against member but is still reported as accurate information. It was proven based off the time the member resided at the location. The member wasn't at the location 1 year and half after this report was sent out the account was reported in which the member was still living in location when information of XXXX orders and location of new address proved that member was in a whole different state during the billing time the company sent reporting and the company failed to provide accurate information connecting member to this account. Inaccuracy by the company and lack of accountability of the company who reported it. Member is not legal responsible for this account and this information should have been updated and removed off his credit report.
XXXX XXXX account is being held as a late account when account is paid in full and proved it was never late from almost 8 years ago.
XXXX XXXX reported 90 days vehicle payment late however member did call bank ahead of time that it would be a possibility that this may occur ahead of time and had provided to the bank that he was a military member deployed and was injured in the line of duty and was XXXX retired and could not make payments because of hospitalized because his of injuries during wartime of defending our country. He then paid in the same year his debts up. And this was because it took time for the military to execute retirement payment so that member could pay bills. This should be excused based on the contingencies of military member pause in pay because they don't get paid with the immediate release out of the military at the same time military member did take care of the issue immediately after as bank requested. Member has been up to date since then.
XXXX XXXX XXXX same issue with vehicle payment above. 90 days vehicle payment late however member did call bank ahead of time that it would be a possibility that this may occur ahead of time and had provided to the bank that he was a military member deployed and was injured in the line of duty and was XXXX retired and could not make payments because of hospitalized because his of injuries during wartime of defending our country. He then paid in the same year his debts up. And this was because it took time for the military to execute retirement payment so that member could pay bills. This should be excused based on the contingencies of military member pause in pay because they don't get paid with the immediate release out of the military at the same time military member did take care of the issue immediately after as bank requested. Member has been up to date since then.
This member has a total of 24 positive accounts Longevity of their accounts is exceptional. However we can all see that during the time the member was injured in the military they clearly had an hiccup in finances however not in the control of the member but in the actions of defending their country. In no way should we look the the other way in issues at hand but we need to see the trend and the analysis of this member bounced back from that year until now. And because of the credit bureaus not accurately keeping up with his progression had caused a devastating blow to this XXXX military member way of living. They served 20 years of dedicated service and and we thoroughly look how they kept up with payment management overall within those years we can clear see there is a red flag on how this members credit has been managed by the bureaus and this is not fairly done. If we are going to report information it needs to be on time and accurate as it happens. It beneficial to members that work hard to keep the accuracy of their credit score as a major responsibility because its apart their transition of life. it's already hard transition from military to civilian as it is. And we are doing a disservice to this member. Look at this FICO score this member has 4 Auto loans and never has been late, two houses on record and sold with no missed payments, Time share of earned property, no bankruptcies on file and has managed his account with the upmost respect at the same time defending our country. How is that we feel comfortable with evaluating his credit score at the level as teen or someone that don't pay their bills on time. 24 exceptional accounts to maybe 3 to 4 delinquent accounts does not symbolize such a score. FICO has given member a Auto loan score of XXXX how is that possible? That's clearly inaccuracies and a severe error amongst credit reporting agencies if member maintains 4 auto loans up to date without error with these banks satisfied and the last issue member had was back in XXXX where he was transitioning out the military with making the ultimate sacrifice with defending his country. His FICO House loan credit score is a XXXX? So are we stating that his previous home loans don't count? We are telling this member that everything he has done responsibly with 20 years of service and his retirement income that they get on a monthly basis doesn't matter? The bureaus are reporting they have and income of $ XXXX? Their excuse is from the banks? How so? the average military member with 20 years of service is almost $ XXXX plus if not more.. So lets highlight this.. the credit bureaus and FICO bureaus are reporting this member as being XXXX in debt with a $ XXXX income.. how? has 4 auto loans, Timeshare, living expense, credit cards and the last dated collection was dated back in XXXX and that's still questionable and being disputed for accuracy because it was around the same time member transitioned out the military.
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05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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*** 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
*** Any and all consent to XXXX Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. No one ever notified me that i could opt out from them, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies, Never informed me of my right to exercise my nondisclosure option, Over the years i have contacted all credit reporting agencies over and over and they have continued to willfully violate my rights, the laws, my request to suppress and remove incorrect information, updates i request, inaccurate information, i am not a criminal and do not have a criminal record so i have contacted them since the pandemic of 2020 to only report a mailing address and a permanent mailing address : Rural Free Delivery, [ BALTIMORE ], XXXX XXXX, [ XXXX ] also only 1 name of which it is multiple names and accounts i am not familiar with, not only that i have disputed wrong incorrect information on there sites and they somehow verify information i am telling them is inaccurate and fraudulent. All of this has been illegal reporting of PRIVATE information that i have constantly requested them to stop and to remove. I have NOT ever consented or given anyone/ corporation any permission verbally or written to share or sell any of my PUBLIC or PRIVATE information. I am Not a Minor and I am now once again telling all agencies to cease and desist collecting, sharing, reporting, and or selling information relating to me or my accounts of which is under my authority and control. If anything its been about 20 years of me telling them i only use 1 address for mailing purposes and to only use that one in connection to any accounts relating to my information, period. I am listing the laws they have broken continuously and willing since my 18th day of arrival til today about 24 years of me fighting to correct information being illegally shared and sold of which is allowing identity theft and fraud to continue to affect me personally because they share sensitive information and sell alledged debt to anyone willing to buy it resulting in me being denied credit constantly over the years for derogatory reports by these credit agencies that are for profit. So see attached credit reports and OPT OUT request for all agencies i could find links to.
XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX only has a letter i have to send to them to OPT OUT which is illegal also, i only could implement a security freeze so far online. For my time, energy, and damages i am requesting {$1000.00}, One Thousand Dollars per violation of the following laws listed in this complaint from all crediting reporting agencies, ALL violating the following and not limited to : ( 12 CFR 1016.7, 15 USC 6802 ( b ) ( c ), 15 USC 1681 section 602, 15 USC 6801, 5 USC 1681 sec 604 ( a ) 2 ( c ), 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681e, 15 U.S. Code 1681s2 ( A ) ( 1 ), 15 U.S. Code 1681 b, c, eXXXX ) also, XXXX, Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, All have negatively affected my life and my ability to live a fulfilling beneficial joyous life.
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 sec 604 ( a ) 2 ( c ) " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent.
Any and all consent to XXXX Equifax, XXXX, Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied or otherwise is revoked.
*15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' NONE of them informed me om my right to nondisclosure, these Furnisher of information to credit agencies, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. I AM NOT A CRIMINAL!
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And i have contacted them over and over about reporting incorrect addresses, names, accounts, transactions, identity, personal private information, illegal accounts, misrepresentation, privacy violations, etc. This is frustrating and damaging to me personally see attached reports for yourself.
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX are not maintaining reasonable procedures when it involves me like im not important or affected by there actions all my life. So may people and companies have access to all my personal private information of which i have not ever agreed for them to have on there databases and i want it all removed or destroyed. Whats private is mine private property, period. Since the age of XXXX it has been a battle for my credit worthiness, how are we starting off in this hypothecated system with what is considered to be bad credit? Someone please explain this too me, especially when my life is backing the so called debt and my signature on any document gives life to which is being resigned and sold without my knowledge or consent thru adhesion contracts constructed by these legal departments, of which what is legal is not lawful and what is legal is most times unconstitutional but of course they are using contracts and commerce to violate everyone.
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10/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
. {$7400.00} Pay off to XXXX XXXX Cost of pay off to XXXX XXXX ( 18 % interest ) XXXX XXXX payments made after Re-Affirmation XXXX Cost of Re-Affirmation {$20000.00} XXXXThis is the number Actually paid by me for the Re-Affirmation of a Debt that XXXX says was not Reaffirmed and was included in Bankruptcy. XXXX XXXX XX/XX/XXXX after receiving an email from XXXX that the dispute I filed on their website was complete and my credit profile had been updated, it has no change only worded differently but still reports the same with the same excuse ( none ) listed. I placed a call to XXXX XXXX to inquire why they refuse to report it correctly and to request documentation supporting their claim of the debt being included in the Bankruptcy. The attachments show that there lies have no end and how they have evaded the system. they claim to update the information but really only move words around. this complaint should be given to the credit bureaus as well as they require us to be judged by there rating yet do not do thorough investigations into disputes. it simply a check in the box for them and the consumer gets the short end of the tick. they place me in an impossible spot After confirming my personal information and the account that I was referring to, the representative, without even asking the reason for my call, told me that the vehicle was reported accurately as part of a bankruptcy and that it would stay that way for 5 to 7 years. I informed her this was incorrect and asked why I was charged {$2500.00} to reaffirm the debt if it was included in the bankruptcy. She told me no reaffirmation had been filed. I informed her that I had that I had paid the fee to XXXX to reaffirm the debt and asked if she was telling me my lawyer who handled my bankruptcy is at fault? She told me that wasn't what she was saying as she then changed her statement to, it wasn't returned in a timely manner. When I asked again where the {$2500.00} that I paid to reaffirm the debt was, if that was true. She told me it was considered a voluntary payment for a debt that I was no longer responsible for. This is incorrect as if it were true and I was no longer responsible for the debt XXXX should have sent the money back. This as well hold true for the {$420.00} a month i was still paying XXXX for the truck from XX/XX/XXXX until XX/XX/XXXX as i had reaffirmed the debt as it was my only form of transportation at the time. This {$2900.00} they took every month as a voluntary repayment of a debt i wasn't responsible for. 100 % lies I asked in XXXX when I traded in that vehicle and the loan was paid in full with a check sent by the dealership that represented money that was added on to the new loan for the new vehicle I was buying, making that my money that was sent to XXXX essentially out of my pocket as i had to pay the new finance company for that money also that The money that paid the loan off being another loan had interest on it in addition to the finance charges XXXX had already put on the original debt. It actually has a higher rate of interest because of how XXXX reported the vehicle account. ( under the Bankruptcy and listed separately making 2 derogatory remarks on my profile. She told me this as well as a voluntary payment of {$7400.00} on a debt I was not responsible for. She told me they did me a favor by releasing the vehicle and I informed her this was incorrect because the vehicle wasn't worth what I owed so I had to pay even more to pay it off because it was not included in the b At this point that's {$12000.00} XXXX says out of the kindness of my heart, obviously coming out of financial hardship hence the bankruptcy that I voluntarily gave to them all of this money for a debt they claim i wasn't responsible for. I expressed how that made no sense whatsoever and asked why she thought I would do such a thing. I told her in actuality she had stolen the money from me, reported it incorrectly and then took the insurance money paid by the government for the bankruptcy and which they were not entitled to. they double-dipped and received that money twice. XXXX {$20000.00} XXXX As listed below the minimum simplest amount of money XXXX has Stolen from me as interest and other hardships should be added to this total over the years due to there scam and theft and the affect it has had on my finances as well as my life but i do not know exactly how to compute all of those factors. XXXXNote : this is only Money XXXX claims i wasn't responsible for but collected anyway. The previous portions of the loan was paid as well with there high interest. This plus whatever money received by the Bankruptcy insurance there is no telling how much XXXX XXXX collected off of this one loan. They screwed me hard. {$7400.00} Pay off to XXXX XXXX Cost of pay off to XXXX XXXX ( interest ) + XXXX payments made after Re-Affirmation XXXX Cost of Re-Affirmation {$20000.00} {$2500.00} cash for reaffirmation in XX/XX/XXXX After the debt was reaffirmed $ XXXX from XX/XX/XXXX until XX/XX/XXXX XXXX XXXX monthly payment X 7 months {$2900.00} paid in monthly payments since the re-affirmation {$7400.00} remaining balance paid in XX/XX/XXXX by the dealership, that i had to finance in with my new loan at 18 % through XXXX XXXX for 6 years. {$7400.00} XXXX pay off added to new loan XXXX % apr {$1300.00} interest charge/year X 6 years {$7900.00} Total finance charges for funds loaned to me to pay off to XXXX i have disputed this through all three of the credit bureaus and have had a hard time getting the complaint on here to not be rejected due to my own errors. All three Bureaus claim to have done and investigation but all three have came back saying it was correctly reported as the normally do. this is because they d not actually investigate the issue, they send out an auto generated notice to the creditor which also does not pay it any mind because when it is sent back the bureaus do not bother to even check the information. The companies are able to manipulate the system this way and it obvious because had any of the Bureaus actually looked at the responses they usually are blatantly incorrect or missing pertaintant information. they just forward it through and claim it to be verified. Then you do a re investigation which i have done and the creditor will send a notice the information has been updated but they just re word some things and the actual status doesn't change. so then you have to do it again and it just goes round and around with no resolution.
In just this one particular instance as i will send the dispute results, the dates do not even match that which they claim they should to have been included or even reported correctly. you will also see there " updated Info '' as they change a co buyer sentence that is all.
As it is if you stay on it constantly, eventually they will just remove it from your report so you can not dispute it but the first time you go to buy something itll pop back up and itll be like they never talked to you.
On a specific complaint against XXXX, XXXX, and Equifax themselves, it makes it incredibly hard to actually make progress when these are the ones to judge our credit worthiness yet they do not do there due diligence. How can we be made to go by a standard that is not enforced on the consumers side of the coin. My Credit is the most Jacked up i could ever imagine and not because i have debt because i don't just from everything being wrong and unable to fix it.
XXXX has the absolute reputation for a lender i have ever heard of, literally i do not know one good experience i have ever heard of from them yet they are held to no accountability as such do not care
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09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
CREDITOR : XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX DUE TO BUREAUS NOT PROVIDING IT.
NEGATIVE ITEM : 30 DAY LATE ( XX/XX/2020 ) IN VIOLATION OF CARES ACT DELETION WINDOW ENDING XX/XX/2020.
This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...
Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last XXXX, on XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements.
Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation.
The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.
Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system.
Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy.
The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.
Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.
Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period.
The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, " if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period d es cri bed in item ( aa ), report the credit obligation or account as current " ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended.
rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires.
Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe.
The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.
Therefore, these below disputed accounts must be deleted ....
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12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Ive written to all three major credit reporting agencies and I have notified them that theyve violated 15 USC 1681 a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
My report has numerous inaccuracies and none of which ANY agency had permission to furnish, nor did they offer an opt out form ; or receive such form from me the consumer per 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
All accounts that have been inconsistently reported need to be updated to paid as agreed All
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09/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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fcra violations : never late : XXXX/XXXX 1 late payment {$0.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$300.00} XXXX : the same : XXXX/XXXX 1 late payment {$0.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving account Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$300.00} Payment Info Status Paid or paying as agreed not showing : XXXX/XXXX Unknown payment history {$0.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Revolving Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$1400.00} XXXX XXXX XXXX Unknown payment history Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving Usage : - Balance on XX/XX/XXXX Credit Limit - {$750.00} XXXX XXXX XXXX {$0.00} Closed Unknown payment history Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$3300.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance {$4000.00} Monthly payment - Late payments - No payments have been reported on this account.
Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments Your statements- Contact XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Is everything correct?
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX {$0.00} Closed Unknown payment history XXXX XXXX {$0.00} Closed Unknown payment history XXXX XXXX {$0.00} Closed Unknown payment history Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$2000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance XXXX XXXX Monthly payment - Late payments - No payments have been reported on this account.
Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments Your statements- Contact C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Is everything correct?
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX XXXX XXXX, XXXX, GA, XXXX SYNCB/DISCOUNT TIRE {$0.00} Closed Unknown payment history XXXX/XXXX {$0.00} Closed XXXX payment history Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Revolving Balance on XXXX XXXX, XXXX Credit Limit {$0.00} {$700.00} Payment Info Status Pays account as agreed Status date XXXX XXXX Past due amount - Highest balance $ 694 Monthly payment - Late payments - No payments have been reported on this account.
Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments ACCOUNT CLOSED BY CREDIT GRANTOR Your statements- Contact XXXX XXXX XXXX XXXX, GA XXXX Is everything correct?
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX XXXX XXXX, XXXX, GA, XXXX XXXX/XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$630.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance XXXX XXXX Monthly payment - Late payments - No payments have been reported on this account.
Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX XXXX XXXX, GA XXXX Is everything correct?
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX XXXX XXXX, XXXX, GA, XXXX XXXX/XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$200.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance XXXX XXXX Monthly payment - Late payments - No payments have been reported on this account.
Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments Your statements- Contact XXXX XXXX XXXX XXXX, GA XXXX Is everything correct?
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX XXXX XXXX, XXXX, GA, XXXX XXXX/XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$700.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance XXXX XXXX Monthly payment - Late payments - No payments have been reported on this account.
Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Is everything correct?
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX XXXX XXXX, XXXX, GA, XXXX Hide 16 closed accounts see attachments for proof XXXX : fcra violations : credit card graphic XXXX/XXXX Link card name 1 late payment {$0.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$300.00} not mine fcra violations : XXXX XXXX XXXX XXXX {$13000.00} Closed 4 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Lease address not mine fcra : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, TX
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01/04/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This account is fraudulent and was not opened or authorized by me ; this is identity theft. I have contacted the company and the bureaus, specifically Equifax, but nothing has been done to fix this error. Equifax removed this debt from my credit report on XX/XX/XXXX. Unaware of the removal, I submitted online dispute directly with Equifax because it still reflect in the dispute section. I submitted a dispute and requested verification of debt on XX/XX/XXXX, and on XX/XX/XXXX they completed the investigation within 2hrs How is this possible? They never provided proof of verificationno documents, no signature, nothingand then Equifax reduced my score by XXXX points, which is also an error in reporting that needs to be fixed immediately. They violated my consumer reporting rights by reporting erroneous information. I have attached proof for your review. Also, Equifax removed the XXXX XXXX account on XX/XX/XXXX, which I have attached proof of the removal. Then reinstated the debt on XX/XX/XXXX. The dates don't add up they continue to report in accurate information continuously on my report. I have asked for proof of verification, and requested documentsand they have failed to provide proof and any explanation but still they continue to report inaccurate information on my credit report such as dates, debt and XXXX XXXX. ( I have attached proof for review ). I have NOT received no information or proof proving this belongs to me or otherwise. In retaliation, they decreased my score by XXXX points, giving me a XXXX XXXX XXXX, which is incorrect because I have credit cards and an auto loan that are reported in good standing.. This is causing severe damage to my credit and violates my right under the statue. The credit bureaus stated my account was properly investigated and reinvestigated, but how is this possible if the last date reported, payment history, and balance are incorrect? None of these charges or this account belongs to me, and they failed to provide proof or any information or actions taken to prove this account belongs to me. This is grounds for removal and violates my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 section I. States : Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material : ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Additionally, the credit Bureaus took more than 30 days to respond to my written disputes, please see Exhibit A and when I filed the dispute online it took less than 24hrs. for a response, and failed to provided debt validation, of to complete my investigation attached, and provide requested documentation. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I want {$1000.00} per violation and removal of all inaccurate information, and removal of account that are listed in Exhibit A and B, and remove all late payments reported inaccurately and correct the missing payment history as outlined in below.
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10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
Hi, I wrote all three credit bureaus to provide original documentation with my signature to challenge the accuracy, compliance, and reportability of these incorrect listings by XXXX XXXX and XXXX XXXX XXXXXXXX.
I want to add that nothing from the Credit Bureaus was ever received that I asked for by postal mail. Only a standard " fraud letter '' that has nothing to do with my request for documentation with my signature, totally ignoring my right to request original documentation with my signature allowing such reporting and especially providing explicit written consent by me as afforded by The Fair Credit Reporting Act.
Willful disobedience of my right to request these items is a direct violation of the Fair Credit Reporting Act and their continued unwillingness to obey the law and provide me with my requests means they have to remove the items that smear my otherwise stellar payment histories with dozens of other creditors. In fact, their letters sent to me say " STILL PENDING '' and won't be resolved until XXXX the XXXX which exceeds the thirty-day period of the law in my request for documentation with signatures of original copies of my permission which I never gave, and, why I requested the false negative items removed and thus now writing you to be an advocate for me to clear my besmirched credit history that is adversely affecting my ability to purchase my final home.
XXXX commented via the credit report that they had " that XXXX XXXX met the requirements '' totally ignoring my request below for documentation, for late payment removal. XXXX stated that there is no late payment reported appearing on my XXXX Credit Report, that letter was dated XX/XX/XXXX. However, upon looking at my XXXX Credit Report dated with the same date of XX/XX/XXXX it clearly states that the statement they made saying nothing was negative in my report is false because it is on my report. They can't even get their facts straight on two items dated the same date. I want these removed as is my right for them first being clearly incapable of getting it right, and second, they failed to produce the documentation I requested, not, once, not twice but three times now.
The same applies to XXXX XXXX XXXXXXXX as the credit bureau never sent anything by mail as requested and only commented via XXXX Report saying " that the company reported back to them saying that the information was accurate '' Again they ignored my right to ask for documentation signed by me as is my right under the Fair Credit Reporting Act and as such, I am asking for the negative incorrect items to be removed. This was my third polite attempt to all three Credit Bureaus and again as stated above I need an advocate to make them obey our Federal Laws.
XXXX and Equifax failed to even respond within the thirty-day period required by law and thus should be removed as required by the Fair Credit Reporting Act " FOR MY CHALLENGES of both XXXX XXXX Late Payment in XXXX of XXXX. All letters were sent with Certified Return Receipts and verified as having been delivered. Copies of these receipts will be given to you as I keep precise records of something so important and vital in need of correction as I am trying to secure financing for a new home and a new roof over the people I take care of. My reports are clean and excellent with the case in point being I have had my oldest account with XXXX since XXXX and have never been late for any payment in the 21 years, I have been associated with them. That's over XXXX consecutive payments and I can assure you that I am that meticulous at age XXXX to understand the importance of on-time payments this is my third letter to both companies to remove the incorrect information I have removed the personal information as you instructed from the original content so all you see below is the content and complaint but not my name and social security number XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Late Payments on : CC # XXXX - XX/XX/XXXX I challenge the accuracy, compliance, and reportability of this listing.
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX This is the content minus the personal info removed from all three complaints to XXXX XXXX XXXXXXXX.
The next challenge was for XXXX XXXX XXXXXXXX and Late payments.
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Late payments on : CC # XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CC # XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CC # XXXX - XX/XX/XXXX, XX/XX/XXXX I challenge the accuracy, compliance, and reportability of this listing.
Please validate this information with XXXX XXXX XXXXXXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I have all three identical letters with exception of the Credit Bureau Addresses being different, I have previous letters and their responses, and I also have certified receipts of delivery if you need to see them.
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01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
|
XX/XX/2023, I ( the consumer & original creditor ) contacted XXXX Fraud Department in an attempt to remove fifteen ( XXXX ) hard credit inquiries found within my consumer credit report. After XXXX failed attempts ( XXXX calls and XXXX denials to remove the inquiries ), I was finally successful at reaching an honorable personnel of the XXXX Fraud Department considerate enough to assist in the interest of removing such accounts. The personnel attempted to verify various records held within their system pertaining to whatever verifiable information stored within their records ( information that should have been known by myself ) and none of the information recorded- except for XXXX record, could I personally verify as correct. After further review, suspicious activity was therefore declared and all XXXX hard inquiry accounts removed. ( See attachment labeled XXXX for referenced account inquiry details ) XX/XX/2023, I ( the consumer & original creditor ) contacted XXXX Fraud Department in hopes of correcting the record of accounts held by their agency. After obtaining and reviewing the XXXX credit report of which disclosed XXXX ( XXXX ) hard credit inquiries ; I came to the conclusion that not all of the accounts shared via XXXX 's credit report were the same as with XXXX 's consumer credit report. I ( the consumer and creditor ) have not done business with, am not under contract with, nor was consent given to any of the businesses/corporations of whom filed hard inquiries against my credit profile and I ( the consumer, original creditor : verified holder of the account ) verbally expressed the burden of being a victim of the circumstance of such improper recording and the economic duress and business compulsion being received via such fraudulent records. I informed the agent/personnel that the agency was obligated on behalf of me ( the consumer & original creditor ) to report accurate records and accounts and that no records shall be reported without my consent and that such records were made via the unauthorized use of my personal information. Therefore, since no consent was given to list such recording, I ( the consumer & creditor ) requested immediate removal of such fraudulent records. I was instead told that the outcome I seeked was not conducive and to contact the corporations listed to have them remove the accounts themselves. The dishonorable actions, records & status of my consumer credit report and the agencies personnel have unjustly serviced my interest as the consumer and holder of such account ( s ). ( See attachment labeled XXXX for referenced account inquiry details ) XX/XX/2023, I ( the consumer ) contacted Equifax Fraud Department in hopes of correcting the record of accounts held by their agency. After obtaining and reviewing my Equifax consumer credit report of which disclosed XXXX ( XXXX ) hard inquiry accounts. I came to the conclusion that the accounts shared via XXXX 's credit report & XXXX credit report were not the same as with Equifax 's consumer credit report. I ( the consumer and creditor ) have not done business with, am not under contract with, nor was consent given to any of the businesses/corporations of whom filed hard inquiries against my credit profile and I ( the consumer, original creditor : verified holder of the account ) verbally expressed the burden of being a victim of the circumstance of such improper recording and the economic duress and business compulsion being received via such fraudulent records. I informed the agent/personnel that the agency was obligated on behalf of me ( the consumer & original creditor ) to report accurate records and accounts and that no records shall be reported without my consent and that such records were made via the unauthorized use of my personal information. Therefore, since no consent was given to list such recording, I ( the consumer & creditor ) requested immediate removal of such fraudulent records. I was instead told that the outcome I seeked was not conducive and to file a complaint with the FTC and deliver a record of such complaint to Equifax Dispute Department before a correction can be made. The dishonorable actions, records & status of my consumer credit report and the agencies personnel have unjustly serviced my interest as the consumer and holder of such account ( s ). ( See attachment labeled Equifax for referenced account inquiry details ) Please allow the record to reflect that : I am aware as per Title 15 USC 1692 ( a ), Title 15 USC 1692 ( a ) ( 3 ), Title 15 USC 1602 ( p ), Title 15 USC 1602 ( g ) and Title 15 USC 1681 ( a ) ( 4 ) that I am the creditor ( the one issuing the credit, a natural person ) and the consumer and as the consumer I have a right to privacy ( be it of my private information i.e. : SSN, Address, Name and etc ) and the use of such social security card ( credit card ) without consent is unauthorized use thus constituting identity theft and Congress declared that consumer reporting agencies have a grave responsibility to insure fairness, impartiality and respect for the consumers right to privacy.
I am aware that Title 15 USC 1681a ( q ) ( 3 ) & REG V 12 CFR 1022.3 states that identity theft is a fraud committed or attempted, using the identifying information of another person without authority - and since no authority was given nor can be brought forwards or proven then the hard inquiry accounts were made via identity theft and such access granted is a violation of my privacy.
I am aware that Title 15 USC 1681 ( b ) & Title 15 USC 1681b ( e ) ( 6 ) states that Congress has declared as requirement that consumer reporting agencies take reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy and proper utilization of such information and that " Each credit reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies. '' ( Meaning that all agencies shall reflect the same record ) I am also aware that Title 15 USC 1681 ( c ) ( f ) states that " If a consumer reporting agency is notified pursuant to section 1681s ( 2 ) ( a ) ( 3 ) of this title that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.
I am also aware that Title 15 USC 1681b ( a ) ( 2 ) states that subject to subsection ( c ) ( Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : and shall be in accordance with the written instructions of the consumer to whom it relates.
I am also aware that Title 15 USC 1681s ( 2 ) ( a ) ( 3 ) states the duty to provide notice of dispute - If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
I am also aware that Title 15 USC 1681 ( q ) states that Any person which includes a consumer reporting agency who willfully and knowingly obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18.
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08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American |
XXXX Credit Report Dispute By the Fair Credit Reporting Act, the list of accounts specified below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and are severely impeding my ability to get home re-financing and a car loan.
Moreover, I have been the victim of Identity Theft, have filed a police report and a report to the FTC with my reference number : XXXX ( attached ). This condition may be responsible for much of the inaccurate reporting on my credit file.
Inaccurate accounts which are preventing me from getting home credit loans 1. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete.
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete.
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and must be removed.
XXXX. Account XXXX # XXXX shows inaccurate payment history and must be removed.
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and closure and must be removed.
XXXX. XXXX XXXX XXXX XXXX was not authorized and must be removed.
XXXX. XXXX XXXX XXXX XXXXXXXX shows inaccurate payment history and closure and must be removed.
My Rights : 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A states a consumer reporting agency can not furnish an account without my written knowledge 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : No other adverse item of information other than records of conviction of crimes which antedates the report by more than seven ( 7 ) years 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Inquiries Not Authorized The following inquiries were not authorized by me and are dragging down my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================================ Equifax By the Fair Credit Reporting Act, the list of accounts specified below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and are severely impeding my ability to get home re-financing and a car loan.
Moreover, I have been the victim of Identity Theft, have filed a police report and a report to the FTC with my reference number : XXXX ( attached ). This condition may be responsible for much of the inaccurate reporting on my credit file.
Inaccurate accounts which are preventing me from getting home credit loans 1. Account No : XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
XXXX. Account No : Other Accounts ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
XXXX. Account No : XXXX XXXX {$680.00}. ( 0riginal creditor not available ) This must be removed as inaccurate and incomplete.
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available ). This must be removed as inaccurate and incomplete.
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and must be removed.
XXXX. Account XXXX # XXXX shows inaccurate payment history and must be removed and this account was satisfied.
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and closure and must be removed.
XXXX. XXXX XXXX XXXX XXXX was not authorized and must be removed.
XXXX. XXXX XXXX # XXXX shows inaccurate payment history and closure and must be removed.
My Rights : 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A states a consumer reporting agency can not furnish an account without my written knowledge 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : No other adverse item of information other than records of conviction of crimes which antedates the report by more than seven ( 7 ) years 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Inquiries Not Authorized The following inquiries were not authorized by me and are dragging down my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS XXXX XXXX ================================== Experian By the Fair Credit Reporting Act, the list of accounts specified below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and are severely impeding my ability to get home re-financing and a car loan.
Moreover, I have been the victim of Identity Theft, have filed a police report and a report to the FTC with my reference number : XXXX ( attached ). This condition may be responsible for much of the inaccurate reporting on my credit file.
Inaccurate accounts which are preventing me from getting home credit loans 1. Account No : Revolving ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
XXXX. Account No : XXXXXXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
XXXX. Account No : XXXXXXXX XXXX {$680.00}. ( 0riginal creditor not available ) This must be removed as inaccurate and incomplete.
XXXX. Account No : XXXX XXXX ( XXXX creditor not available ). This must be removed as inaccurate and incomplete.
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and must be removed.
XXXX. Account XXXX # XXXX shows inaccurate payment history and must be removed and this account was satisfied.
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and closure and must be removed.
XXXX. XXXX XXXX XXXX XXXX was not authorized and must be removed.
XXXX. XXXX XXXXXXXX # XXXX shows inaccurate payment history and closure and must be removed.
My Rights : 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A states a consumer reporting agency can not furnish an account without my written knowledge 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : No other adverse item of information other than records of conviction of crimes which antedates the report by more than seven ( 7 ) years 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Inquiries Not Authorized The following inquiries were not authorized by me and are dragging down my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS XXXX XXXX
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01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
I have seen repeatedly fraudulent accounts and transactions in my name on my consumer reports from Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have repeatedly warned them and the credit reporting agencies about these fraudulent accounts that are on my consumer report. I did a XXXX report a FTC identity theft report state attorney general report a California consumer complaint Ive spoken with the representatives there multiple times about the fraudulent accounts that are reporting on my consumer report they have been on my report now. Well over the last XXXX or XXXX years Ive reached out to all three of the credit reporting agencies about the fraudulent accounts, and that they should be removed because these are not and never have been my accounts They have multiple addresses on my consumer reports addresses that Ive never lived at my entire life. a lot of the information with the misspellings of my name, and all of the addresses and especially with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never gave ( Equifax, XXXX, or XXXX XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 61681b Permissible purpose of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX, XXXX Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( 1 ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( XXXX ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed here in this complaint and on all of your websites and records
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01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
XX/XX/2023, I ( the consumer & original creditor ) contacted XXXX XXXX Department in an attempt to remove fifteen ( XXXX ) hard credit inquiries found within my consumer credit report. After XXXX failed attempts ( XXXX calls and XXXX denials to remove the inquiries ), I was finally successful at reaching an honorable personnel of the XXXX XXXX Department considerate enough to assist in the interest of removing such accounts. The personnel attempted to verify various records held within their system pertaining to whatever verifiable information stored within their records ( information that should have been known by myself ) and none of the information recorded- except for XXXX record, could I personally verify as correct. After further review, suspicious activity was therefore declared and all XXXX hard inquiry accounts removed. ( See attachment labeled XXXX for referenced account inquiry details ) XX/XX/2023, I ( the consumer & original creditor ) contacted XXXX XXXX Department in hopes of correcting the record of accounts held by their agency. After obtaining and reviewing the XXXX credit report of which disclosed XXXX ( XXXX ) hard credit inquiries ; I came to the conclusion that not all of the accounts shared via XXXX 's credit report were the same as with XXXX 's consumer credit report. I ( the consumer and creditor ) have not done business with, am not under contract with, nor was consent given to any of the businesses/corporations of whom filed hard inquiries against my credit profile and I ( the consumer, original creditor : verified holder of the account ) verbally expressed the burden of being a victim of the circumstance of such improper recording and the economic duress and business compulsion being received via such fraudulent records. I informed the agent/personnel that the agency was obligated on behalf of me ( the consumer & original creditor ) to report accurate records and accounts and that no records shall be reported without my consent and that such records were made via the unauthorized use of my personal information. Therefore, since no consent was given to list such recording, I ( the consumer & creditor ) requested immediate removal of such fraudulent records. I was instead told that the outcome I seeked was not conducive and to contact the corporations listed to have them remove the accounts themselves. The dishonorable actions, records & status of my consumer credit report and the agencies personnel have unjustly serviced my interest as the consumer and holder of such account ( XXXX ). ( See attachment labeled XXXX for referenced account inquiry details ) XX/XX/2023, I ( the consumer ) contacted Equifax XXXX Department in hopes of correcting the record of accounts held by their agency. After obtaining and reviewing my Equifax consumer credit report of which disclosed XXXX ( XXXX ) hard inquiry accounts. I came to the conclusion that the accounts shared via XXXX 's credit report & XXXX credit report were not the same as with Equifax 's consumer credit report. I ( the consumer and creditor ) have not done business with, am not under contract with, nor was consent given to any of the businesses/corporations of whom filed hard inquiries against my credit profile and I ( the consumer, original creditor : verified holder of the account ) verbally expressed the burden of being a victim of the circumstance of such improper recording and the economic duress and business compulsion being received via such fraudulent records. I informed the agent/personnel that the agency was obligated on behalf of me ( the consumer & original creditor ) to report accurate records and accounts and that no records shall be reported without my consent and that such records were made via the unauthorized use of my personal information. Therefore, since no consent was given to list such recording, I ( the consumer & creditor ) requested immediate removal of such fraudulent records. I was instead told that the outcome I seeked was not conducive and to file a complaint with the FTC and deliver a record of such complaint to Equifax XXXX Department before a correction can be made. The dishonorable actions, records & status of my consumer credit report and the agencies personnel have unjustly serviced my interest as the consumer and holder of such account ( XXXX ). ( See attachment labeled Equifax for referenced account inquiry details ) Please allow the record to reflect that : I am aware as per Title 15 USC 1692 ( a ), Title 15 USC 1692 ( a ) ( 3 ), Title 15 USC 1602 ( p ), Title 15 USC 1602 ( g ) and Title 15 USC 1681 ( a ) ( 4 ) that I am the creditor ( the one issuing the credit, a natural person ) and the consumer and as the consumer I have a right to privacy ( be it of my private information i.e. : SSN, Address, Name and etc ) and the use of such social security card ( credit card ) without consent is unauthorized use thus constituting identity theft and XXXX declared that consumer reporting agencies have a grave responsibility to insure fairness, impartiality and respect for the consumers right to privacy.
I am aware that Title 15 USC 1681a ( q ) ( 3 ) & REG V 12 CFR 1022.3 states that identity theft is a fraud committed or attempted, using the identifying information of another person without authority - and since no authority was given nor can be brought forwards or proven then the hard inquiry accounts were made via identity theft and such access granted is a violation of my privacy.
I am aware that Title 15 USC 1681 ( b ) & Title 15 USC 1681b ( e ) ( 6 ) states that Congress has declared as requirement that consumer reporting agencies take reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy and proper utilization of such information and that " Each credit reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. '' ( Meaning that all agencies shall reflect the same record ) I am also aware that Title 15 USC 1681 ( c ) ( f ) states that " If a consumer reporting agency is notified pursuant to section 1681s ( 2 ) ( a ) ( 3 ) of this title that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.
I am also aware that Title 15 USC 1681b ( a ) ( 2 ) states that subject to subsection ( c ) ( Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : and shall be in accordance with the written instructions of the consumer to whom it relates.
I am also aware that Title 15 USC 1681s ( 2 ) ( a ) ( 3 ) states the duty to provide notice of dispute - If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
I am also aware that Title 15 USC 1681 ( q ) states that Any person which includes a consumer reporting agency who willfully and knowingly obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18.
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05/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
XXXX XXXX , XXXX : My mother, the sole debtor, passed away. XXXX XXXX , XXXX : I phoned her creditors to notify them of her death. My initial contact with XXXX XXXX was with XXXX , who then forwarded the call to XXXX XXXX . I was instructed by XXXX XXXX to send a copy of my mothers death certificate. XXXX XXXX , XXXX : I mailed a letter with the death certificate enclosed to the XXXX , NY address instructed by XXXX XXXX . Included in the letter was my declaration that my mother did not leave a Will, had no assets solely in her name, and an Estate would not be opened. I also stated she did not have a co-signer, and by law, her survivors, including myself, are not legally obligated to pay her debt. XXXX XXXX , XXXX : XXXX XXXX addressed a letter to my mother, requesting payment. Similar notices had been received from other creditors, which I was told to ignore. I assumed, as with other creditors, their records had not been updated. Therefore, I ignored the letter. Note : According to the last statement received, the balance was {$2500.00}. The closing date was XX/XX/XXXX , one week prior to my mothers death. However, the amount shown on the letter dated XXXX XXXX was {$3900.00}, a difference of {$1400.00}. My mother did not leave the house during her final week alive. I find such a substantial increase very suspect. However, since the debt would be discharged, I didnt consider it an issue worth fighting. Unknown Date in XXXX XXXX : Someone in the employ of XXXX XXXX , submitted an adverse credit report, in the form of a credit card charge-off, in my name. I have no idea how they obtained my SS #. I have never applied for credit with their company. Nor have I received notification of credit established with their company, a statement of charges, or demand for payment. Their negative action was done without my knowledge, and without notification of their intent to damage my credit. Moreover, they failed to make even one demand for payment, from myself, or any of my mothers survivors. All statements and letters requesting payment were addressed exclusively to my mother. In my letter dated XXXX XXXX , XXXX , I explicitly stated the debt would not be paid by myself or other survivors. Having also handled my late fathers affairs following his death, I am well-aware of the unscrupulous tactics used by some companies to try to intimidate survivors to pay the debts of their loved ones. For this reason, I felt it was necessary to inform her creditors that payment would not be made. Regardless, having no arrangement between XXXX XXXX and myself, their adverse actions against my credit is a flagrant violation of Federal law. XXXX XXXX , XXXX : XXXX XXXX addressed a letter to the Estate of, c/o Next of Kin. T he letter was a demand for payment for the balance on the account ; which, as previously stated, was substantially higher than the balance on the last statement. A Notarized Proof of Claim, fil ed on the same date, was also enclosed. Both the letter and Notarized Proof of Claim were signed by XXXX XXXX , a XXXX Bank representative. XXXX XXXX , XXXX : While finalizing all pending issues related to my mothers affairs, I contacted XXXX XXXX by phone to inquire about the letter and Notarized Proof of Claim dated XXXX XXXX , XXXX . I reiterated an Estate would not be opened. I was instructed by XXXX XXXX to disregard the letter and Notarized Proof of Claim. He stated they were simply a legal formality, and the debt would be discharged. I considered it rather strange for a company to have a document notarized for filing with the court against a non-existent Estate, simply as a legal formality. However, in good faith, I accepted his word. I assume, in his position, he was privy to the fact that the company had already submitted a charge-off damaging my credit. However, he did not mention the adverse action. It is absolutely mind-boggling that a company would charge-off an account in XXXX . Then, in XXXX , issue a letter demanding payment, accompanied by a Notarized Proof of Claim f iled against a non-existent Estate. However, that is precisely what transpired. Unfortunately, I was oblivious to their negative credit report until the latter part of XXXX XXXX . XXXX XXXX , XXXX : During a financial transaction requiring a review of my credit history, I discovered the erroneous adverse action by XXXX XXXX . I immediately contacted XXXX XXXX . I spoke with XXXX , explaining the error and requesting to have the adverse info removed from my credit report. After a review of my mothers account, he stated there was no record of my name. He then asked if he could check using my SS #, which I provided. He returned to the phone and stated again that my name was not in their system. I then asked how it is possible for XXXX XXXX to submit adverse info to damage my credit, if there is no record of my name in their system. He said he had no explanation. I was then instructed to submit a request in writing, via fax, to the Correspondence Department at XXXX XXXX . He then gave me the fax number, which I repeated to him for verification. I then decided to contact XXXX XXXX , given that he was the individual who had filed the Notarized Proof of Claim against my mothers non-existent Estate. I was flippantly informed by XXXX XXXX that there was nothing he could do to resolve the matter. After a rather unpleasant exchange, he stated I must send a letter to the Correspondence Department, as they alone could handle the issue. XXXX XXXX , XXXX : I faxed and mailed a letter explaining the error, demanding resolution. I included copies of all pertinent correspondence. I also explained the urgency of having this issue resolved, and advised if the problem was not handled expeditiously, I would file a formal complaint with the FTC and MD and PA States Attorneys. However, after forwarding the letter to a law firm friend, I was advised if this situation is not resolved, I should first file a complaint with your organization. XXXX XXXX , XXXX : I contacted XXXX XXXX to inquire about the status of my request, and asked to speak with the manager of the Correspondence Department. I was then asked the nature of the call, which I explained. I was then asked to provide my mothers full name, address, phone number, date of birth, last four digits of her SS #, and my name. I provided all requested info. I was then placed on hold for a rather lengthy period. I assume the wait was due to a discussion of my case between the individual I spoke with and the Correspondence Dept . So, I patiently waited. The female I spoke with did not return. Rather, the next person on the phone said, Hello, I am XXXX . How may I assist you? I requested to speak with the manager of the Correspondence Dept. H e said, Youll have to contact them in writing. I then explained that I had already sent a letter and other documents to their department, and would like to know the status of my request. I was then informed that I could not speak with the Correspondence Department, they only respond to written correspondence. I again tried to explain my dilemma, and that I had in fact contacted them in writing. He again refused to forward the call. I then said, XXXX , what is your last name? He arrogantly replied, Im not giving you my last name. I then asked if XXXX XXXX is the CFO. He stated he is. Angrily, I then said, Thank you, XXXX . XXXX .
|
08/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
|
*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, NJ XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
To Whom It May Concern, In the course of recently screening my personal Equifax credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
4. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
6. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
7. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
8. The inquiry was not authorized XXXX XXXX Bank USA Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
11. The inquiry was not authorized XXXX/XXXX 'XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
12. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
14. The inquiry was not authorized XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
15. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
16. The inquiry was not authorized XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
17. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
18. The inquiry was not authorized XXXX/XXXX XXXX Date of inquiry : XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Equifax credit report on this ( these XXXX specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
|
04/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Tracking Number : ( XXXX ) Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my XXXX Credit Reports In the course of recently screening my personal XXXX credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to appropriate status of certified metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further I am also requesting that they remove any and all of my personal information from your records. Last 4 of SSN : XXXX Date of Birth : XX/XX/XXXX In the event it is needed to locate the potentially injurious and fraudulent inquiry in their system. I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry. I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) complies with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights. I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4 ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance! You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. XXXX XXXX XXXX.
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11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Dear Consumer Financial Protection Bureau, I am compelled to seek your immediate intervention regarding the continuous and flagrant violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act by XXXX. Despite numerous attempts to rectify these issues on the account XXXX, XXXX has persisted in fraudulent reporting activities on my account and consumer reports ( XXXX, Equifax, XXXX, etc ) without my explicit consent. I am formally putting any Consumer Reporting agencies that are reporting the following transactions and experiences on notice. As per the FCRA, particularly under Sections 607 and 615, it is incumbent upon creditors to ensure the accuracy and integrity of the information they furnish to credit reporting agencies. XXXX has failed in this regard, reporting erroneous transactions that have significantly impaired my credit standing and financial reputation as well as causing me great mental distress and anguish. These transactions include but are not limited to late payments, account statuss, private financial information, private personal information, balances, etc. Furthermore, the Gramm-Leach-Bliley Act mandates the protection of consumers non-public personal information. The Act stipulates that financial institutions must not disclose such information without the explicit consent of the consumer. XXXX actions constitute a breach of this requirement, given that no such consent was provided for the dissemination of my personal financial data. I was not once offered an option to opt out of the sale and distribution of my private and confidential financial information to any third party data furnisher, or otherwise commonly referred to as a consumer reporting agency or credit reporting agency. This is aggravated identity theft and trafficking. I emphatically assert that under no circumstance have I authorized XXXX to share, report, or use my personal financial experiences and transactions for reporting purposes. This unauthorized disclosure not only undermines my privacy rights but also contravenes the clearly outlined stipulations of the aforementioned Acts. Additionally the misuse of my personal information in credit reporting by XXXX directly contravenes the exclusions outlined in 15 U.S.C. 1681d2a of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of certain personal information without explicit consumer consent. The actions of XXXX also align with the definition of securities fraud as outlined in 27 CFR 72.11. By manipulating and misrepresenting information related to my financial securities, they have engaged in deceptive practices. These deceptive practices are taking place both publicly and in the private, back office capacity. Significantly, my consumer rights under 16 CFR Part 433, known as the Holder in Due Course Rule, have been violated. This regulation provides protection to consumers when corporations, like XXXX, sell a consumers credit contract to another lender or commercial entity, such as a collection agency entitled XXXX XXXX XXXX. The sale of my credit contract to this third party entity without appropriate disclosures and consent is a serious violation of this rule. I approached XXXX in a letter recently regarding this after they lied to me about selling this unlawfully closed and charged off account to XXXX XXXX XXXX, when, in fact the account was sold to XXXX according to the collection letter I received from them. Additionally, I have sent letter after letter requesting the 1099-C Copy B for my records of income and tax bookkeeping, being completely ignored by Agents of XXXX when I politely asked for this document. The absence of a 1099-C form for debt cancellation, crucial for my tax filings, further suggests potential tax evasion practices by XXXX and I am currently already working on an IRS 3949a form to submit against this corporation if I can not retrieve the form. Their failure to issue this document has directly impacted my financial responsibilities and tax reporting obligations. In addition to the aforementioned statutes, I will be asserting my rights under the Uniform Commercial Code, specifically UCC 9-210, which grants consumers the right to request a detailed accounting or a statement of account in matters involving consumer transactions. This request is particularly pertinent given the complexities and ambiguities surrounding the alleged debt and the subsequent actions by XXXX and the collection agency involved, XXXX XXXX XXXX. Under UCC 9-210, I formally request a comprehensive accounting or a statement of the current status of the alleged debt. This request is rooted in the necessity to verify the legitimacy and accuracy of the claimed debt, especially considering the transfer of my credit contract to a third party debt collector. The lack of transparency and clarity in these transactions raises significant concerns about the integrity and legality of the debts purported balance and status. The applicability of UCC 9-210 in this context is undeniably relevant, as it directly pertains to the nature of the debt in question. The provision serves as a critical tool in uncovering potential discrepancies, fraud, or misrepresentations that may have occurred during the course of these transactions. It is imperative that XXXX and any involved collection agencies, such as XXXX XXXX XXXX provide this detailed information to ensure compliance with the legal standards governing both secured transactions and consumer credit transactions. Failure to comply with this request not only demonstrates a disregard for the statutory rights afforded to consumers under UCC 9-210 but also further implicates XXXX in potential legal infractions. This information is crucial for the validation of the debt, the status of the debt and for confirming that all transactions related to this debt have adhered to the lawful and ethical standards mandated by law. The provision of a detailed accounting or statement of accounting as requested under UCC 9-210 will enable a thorough examination of the claims and actions made by XXXX, agents of XXXX, and any assigned collection agencies that purchased this account from XXXX. It is a necessary step in resolving the ongoing disputes and in ensuring that my consumer rights are fully protected and upheld. These repeated and varied violations of the law by XXXX necessitate a comprehensive investigation and prompt corrective action. Additionally, I seek compensation for the substantial time and effort expended in rectifying these issues for months, which have caused considerable distress and inconvenience. I urge the CFPB to take immediate and stringent action against XXXX to rectify these wrongs and prevent further harm. Your immediate attention to this matter is both necessary and appreciated. If further information is needed from me, please feel free to reach out to me. Thank you for your prompt and decisive action. I would also like to state, for the record, that I am FULLY aware of what is taking place internally with these creditors, how they conduct their affairs in the back office, the mechanics of consumer credit transactions and the fraud perpetrated against the consumer who may not be enlightened of the perplex commercial crimes and extortion taking place against them. I am also fully abreast of the fraud in the banking industry. I will not stop fighting for my rights until I am made fully whole and companies like XXXX XXXX XXXX are held accountable for destroying reputations and lives of consumers. Thank you for your prompt attention to these matters. I look forward to resolving this matter. XXXX XXXX XXXX
|
08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
*********CFPB********** This is for the cfpb to see and know that i am not just imagining things and that i am flat out disregaurded, and each of the bureaus are doing and have been, All of their investigations ( if you call them that ) have been more than 30 days so I am begging you in the name of justice please Detete this XXXXXXXX XXXX account from my report..
He is a cut and paste of my dispute from XX/XX/XXXX XXXXthey do not at all follow the cfpb protocall of how a responce to a complaint is suposed to be structured XXXX just took what the creditor said with little to zero regaurd to my claims '' since when in our justice system is a companies word just become a stated fact and thats that " NEVER but as you can plainly see for yourself this is how they interact with consumers as if, if the company says so then it is so .that is not only an illogical approach on handeling complaints/disputes it is against the body of laws that are suposed to govern the credit reporting agengies .But as i stated in a diffrent complaint and you can now read for yourself the agencies pick and choose wich laws to disregaurd and wich ones to enforce and more times than not they enforce the ones where they can simply close a case or keep big bussiness happy # XXXX the little guy .Did they ever to stop and think that big business may have become just that by doing just that " XXXX the little guy '' 3.the approach to explanation on how the truck is beoing listed as paid in full for less than owed the whole statement is a doublke negitive that it is factually impossible to perform.Was not there no explanation given no education of the consumer no nothing just a statement sayin that XXXX said it is so, so do they 4.the exclusion and complete disregaurd of the request of evidence yet again, the bureaus have violated so many laws and rights its shameful on the profession how are they constantly aloud to abuse the power they hold and remain to have a flowing day to day negitive effect on my family finances 5/as i saud in a complaint earlier today in now 14 days if XXXX dont quit with this myself and my family will be living in my truck and i swear as god is my wittness I have printed of my coresponcence to each bureau and on here with the responces and even the 2 letters that i had 2 creditors send me in black and white where they said that XXXX has not reached out to them like they say they have in their dispute responces in fact i was the first contact over said account since XXXX nothing from all 3 bureaus but they all said in their responces that they had contacted the creditor and that the creditor said the file was factual but i have it in writing from the creditors that its not true XXXX if my family has to sleep in my truck everyone can bet their last dollar im taking everything to the new station im sure their lawyer will be able to point me in a solid direction.
So please******** CFPB******** please reread my complaint verse their responce and see if your self just how ive been being done and see that i have not been lying or exagerating I disputed the company XXXX XXXX listing my paid in full account as a charge off and as settled for less than full on the grounds of An employee of XXXX XXXX telling me that is i was to do as they ask and obtain alternate fin ancing or trade the vechile in that they would not list as a charge off they would list as " paind in Full '' it would not list in a negitive manor and their respoce was vauge and limited at best!! they completly danced around a few of my concerns so i will list in order in hopes of getting a clear answer and In addition I will use this platform to formally request evidence used against me to be provided to me. 1 if total loan amount was for XXXX 2 years into loan they cvharged off XXXX ( questionable agt best ) but they charged off the loan at XXXX k and undoubtly recieved a tax credit for the XXXX Have they ammended the bad debt total to the XXXX that was owed upon trade in due to myself paying for almost 1.5 years otherwise seems to me as the taxes reported on this loan on their part would be incorrect because you are not alloweed to claim a loss but recieve payment on that loss but your tax credit remain the same I would like to see proof of amended tax credit or do i need to write the tax office ( question not a threat just unsure of wich office to express my concern or this happening to others as well ) 2.They claim it was paid in full for less than what was owed and simple math says that that is incorrect. charge off was XXXX was owed XXXX at time of trade in they accepted XXXX and issued a 1099 for the remaining of what what owed to them so how is that less than what was owed thar math says that the item was satisfied in full they also stated that they reviewed phone records looking for evidence to substanciate my climes to be fact or faulse so that being said I would hope that they reviewed the very first all the way to the very last call between my self and their customer rep, as the conversations were many, and the way it was to be listed was on more than 1 occasion, I can also provide a written or oral statement from the car sales man to substanciate my claim as he wanted to hear it for himself after i told him of my agreement because he stated in his 30 years plus as a car salesman this was a first and thought it was the most commendable action ever by a lender to a vetran or civilain but to have a vet in hard times having his forutne changed with the help of a lender was something that would deffinatly have him refering said lender in the future being a vet himself But all of that being said i would like to use this oppertunity to formely request that any and all phone recordings that were used against me as evidence be submitted to myself as well for review as i am permitted to request according to the fair credit reporting act withing the 30 days alotted and if XXXX can not or will not then i ask that their file be removed from my credit report.They may be submitted here for all to review or to me at XXXX XXXX XXXX XXXXXXXX SC XXXX or email @ XXXX so just to be clear i am formaly requesting any and all phone calls that were recording between myself and the cusgtomer rep that handeled my file that aiding in XXXX stating that my claims have no merrit and if not provided within 30 days that XXXX XXXX file be removed from my credit report Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THE DISPUTED INFORMATION HAS BEEN VERIFIED AND/OR UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX
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07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST XXXX COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENT ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after XXXX years in most cases, XXXX in the case of XXXX XXXX
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all non-account holding inquiries Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to XXXX or any means of automated verification.
Failure to respond satisfactorily within XXXX days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Violation of United States Code Law Dear Sir/Madam, I am writing to inform you that you have violated the Fair Credit Reporting Act ( FCRA ) by refusing to delete inaccurate, unverifiable, and invalidated information from my consumer file. Please take this letter as my final written offer of settlement before litigation. I intend to pursue legal action to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 of the FCRA if the inaccurate, unverifiable, and invalidated items listed below are not deleted immediately.
As you are in direct violation of the FCRA, please be advised that a copy of this letter, as well as inaccurate erroneous items that were sent to you previously, will be part of a formal complaint to the Federal Trade Commission and used as evidence in any pending litigation provided that you fail to comply with this offer of settlement.
You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that the information on my credit report is mine and correct. However, you have not provided me with a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), nor have you provided the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to ... promptly DELETE all information which can not be verified.
I demand that you delete the following items immediately as they are inaccurate, unverifiable, and invalidated. I entered the items and the outcome I desire below : 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
14. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
16. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
17. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
18. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
19. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
20. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
21. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report.
22. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
23. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
24. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report.
25. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Failure to comply with the above demand may result in legal action being taken against your agency. As you are aware, the FCRA imposes civil liability for willful noncompliance and negligent noncompliance, as well as civil liability under Section 1692k.
I trust that you will act accordingly to resolve this matter amicably.
Sincerely, XXXX XXXX
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08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Penalties and violations 15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
- 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
- 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( XXXX ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, XXXX be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( XXXX ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( XXXX ) ; and ( B ) the person will comply with subsection ( b ).
( b ) XXXX on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( XXXX ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than XXXX days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person XXXX be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ).
( d ) Prohibitions ( XXXX ) Certification A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( XXXX ) from the person who requested the report.
( XXXX ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable XXXX or XXXX equal employment opportunity law or regulation.
( XXXX ) Certain public record information Except as otherwise provided in section XXXX of this title, a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the XXXX period ending on the date on which the report is furnished.
( XXXX ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681n - XXXX liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. = damages on business loans because of the information you provided on my credit report - 15 U.S. Code 1681- Congressional findings and statement of purpose ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- - 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt XXXX. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
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12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ).
XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX 9. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports.
XXXX Case Number : XXXX Please provide a detailed documentation if not please remove it in my credit report.
10. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
11. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
12. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
13. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
14. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
16. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
17. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
18. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
19. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
20. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
21. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
22. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
23. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report.
24. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
25. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
26. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
27. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
28. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
29. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX, XXXX.
Account XXXX : XXXX Please remove it from my credit report.
30. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report.
31. This account was CLOSED.
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
32. This account was CLOSED.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
33. This account was CLOSED.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Sincerely, XXXX XXXX
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08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
On XX/XX/XXXX XXXX XXXX XXXX made an agreement with XXXX XXXX for place of residence with an application and disclosed a bankruptcy XX/XX/XXXX. The businesses took {$150.00} and a application fee {$36.00} with a promise of occupancy on XXXX XXXX. They breached that agreement on XXXX XXXX. XXXX XXXX XXXX provided bankruptcy XXXX which included a debt released with Division of Child Support. They were also given a letter by Department of labor XX/XX/XXXX stating XXXX XXXX XXXX is an employee under the definition of the law 6 USC 1142 ; 6 USC 1132 ( 5 ) gave court exhibits XXXX dkt XXXX both orders. The parties broke the equal opportunity in credit for fair housing opportunity XXXX XXXX XXXX is a person under XXXX over XXXX of age with a known XXXX. XXXX XXXX XXXX is a exempt employee title Judiciary Clerk. XXXX. Unemployment worker for injury from XXXX15 U.S.C .
United States Code, XXXX penalty {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) property location of incident XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Register agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Complaint : XXXX XXXX XXXX was discriminated against for equal lending practice as a XXXX XXXX of XXXX XXXX XXXX years old with a known XXXX under fair housing act.
XXXX XXXX XXXX have money for a application fee twice to the apartment {$36.00} and paid a holding deposit and was denied access to rent as others in similar circumstances. XXXX had already told the landlord about bankruptcy almost 9years ago which included Department of Child Support and the federal court gave discharge of the debt while giving a judgement against the father and XXXX XXXX XXXX and XXXX XXXX XXXX . A mandate dkt 63 was given to all parties. XXXX, XXXX also provided letter XX/XX/XXXX from U.S Department of Labor to the apartment the first time she tried to rent in XXXX. The holding deposit was {$150.00} move in was on XXXX XXXX. The administration manager XXXX XXXX is the person who denied a person of XXXX equal rights and the denial by phone on XX/XX/XXXX around XXXX XXXX. She tried to blame on-site but both parties were given a written statement with documentation. This matter concludes retaliation occurred against XXXX XXXX XXXX in trying to redline a person of XXXX without equal access to Housing. A injunction upon the parties shall be sought to stop and assist.
( XXXX ) Refuse to provide or discriminate in the terms or conditions of homeowners insurance because of the race, color, religion, sex ( including gender identity and sexual orientation ), disability, familial status, or national origin of the owner and/or occupants of a dwelling Deny access to or membership in any multiple listing service or real estate brokers organization What Types of Housing Are Covered?
The Fair Housing Act covers most housing. In very limited circumstances, the Act exempts owner-occupied buildings with no more than four units, single-family houses sold or rented by the owner without the use of an agent, and housing operated by religious organizations and private clubs that limit occupancy to members.
What Is Prohibited?
In the Sale and Rental of Housing : It is illegal discrimination to take any of the following actions because of race, color, religion, sex ( including gender identity and sexual orientation ), disability, familial status, or national origin : Refuse to rent or sell housing Refuse to negotiate for housing Otherwise make housing unavailable Set different terms, conditions or privileges for sale or rental of a dwelling Provide a person different housing services or facilities Falsely deny that housing is available for inspection, sale or rental Make, print or publish any notice, statement or advertisement with respect to the sale or rental of a dwelling that indicates any preference, limitation or discrimination Impose different sales prices or rental charges for the sale or rental of a dwelling Use different qualification criteria or applications, or sale or rental standards or procedures, such as income standards, application requirements, application fees, credit analyses, sale or rental approval procedures or other requirements Evict a tenant or a tenants guest Harass a person Fail or delay performance of maintenance or repairs Limit privileges, services or facilities of a dwelling Discourage the purchase or rental of a dwelling Assign a person to a particular building or neighborhood or section of a building or neighborhood For profit, persuade, or try to persuade, homeowners to sell their homes by suggesting that people of a particular protected characteristic are about to move into the neighborhood ( XXXX ) Refuse to provide or discriminate in the terms or conditions of homeowners insurance because of the race, color, religion, sex ( including gender identity and sexual orientation ), disability, familial status, or national origin of the owner and/or occupants of a dwelling Deny access to or membership in any multiple listing service or real estate brokers organization For more information and examples, visit Examples of Housing Discrimination.
In Mortgage Lending : It is illegal discrimination to take any of the following actions based on race, color, religion, sex ( including gender identity and sexual orientation ), disability, familial status, or national origin : Refuse to make a mortgage loan or provide other financial assistance for a dwelling Refuse to provide information regarding loans Impose different terms or conditions on a loan, such as different interest rates, points, or fees Discriminate in appraising a dwelling Condition the availability of a loan on a persons response to harassment Refuse to purchase a loan For more information about discrimination in mortgage lending, visit Fair Lending.
Harassment : The Fair Housing Act makes it illegal to harass persons because of race, color, religion, sex ( including gender identity and sexual orientation ), disability, familial status, or national origin. Among other things, this forbids sexual harassment. Learn more about sexual harassment here.
Other Prohibitions : In addition, it is illegal discrimination to : Threaten, coerce, intimidate or interfere with anyone exercising a fair housing right or assisting others who exercise the right Retaliate against a person who has filed a fair housing complaint or assisted in a fair housing investigation Advertising : For more information about advertising and the Fair Housing Act, visit Advertising and Marketing.
Additional Protections For Persons With XXXX : Housing providers must make reasonable accommodations and allow reasonable modifications that may be necessary to allow persons with XXXX to enjoy their housing. Get more information about reasonable accommodation here.
Certain multifamily housing must be accessible to persons with XXXX. Get more information here.
Additional Resources Examples of Housing Discrimination Fair Housing and Related Laws File a Complaint Back to FHEO Home Agency Resources U.S. Department of Housing and Urban Development XXXX XXXX XXXX, XXXX, Washington , DC XXXX T : XXXX TTY : XXXX Notice given XX/XX/XXXX Remedies equal housing opportunity which was denied and threated differently.
XXXX XXXX XXXX is seeking relief over {>= $1,000,000} Have been communicating by email and agreed upon I declare ( or certify, verify, or state ) under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/XXXX ( Signature ) /s XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXXAll evidence has been provided to XXXX
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06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX. Equifax stated that XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if the monthly payment is inaccurate, the date opened is inaccurate, the balance is inaccurate, the credit limit is inaccurate, the past due is inaccurate, payment status is inaccurate, last reported is inaccurate, date last active is inaccurate, and date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- -- XXXX. Equifax stated that XXXX XXXX Bank and Account XXXX XXXX was properly investigated but how is that possible if the high credit limit is inaccurate, the credit limit is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- - XXXX. Equifax stated that XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if the high credit limit is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- -- - XXXX. Equifax stated that XXXX XXXX and Account Number XXXX was properly investigated but how is that possible, if a filed Identity Theft Report with proper identification and a supporting statement was attached with the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- XXXX. Equifax stated that XXXX XXXX was properly investigated but how is that possible, if a filed Identity Theft Report with proper identification and a statement was attached with the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- -- - XXXX. Equifax stated that XXXX XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if this company is not the original creditor and there was never a contract with an original signature between two parties or unilaterally. How was this properly investigated if a collection agency is able to report late payments ( 120 days ) and the date of last payment is inaccurate because there was never a contract with this alleged debt collector or payments. How was it properly investigated if this account was also included in an Identity Theft Report included in the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681g ( a ) ( 1 ) -- - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request -- -- -- -- -- -- -- -- According to 15 USC 1681g ( a ) ( 1 ), how are you validating the investigation request?
-- -- -- -- - This is grounds for removal because I have not been provided any information on file to validate any account or proof that you have truly investigated any accounts or details. -- -- -- -- -- -- -- -- 15 USC 1681 ( a ) ( 4 ) -- -- FCRA Sec. 602 ( a ) ( 4 ) : Congressional findings and statement of purpose.
( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681b ( a ) ( 2 ) -- - FCRA Sec. 604 ( a ) ( 2 ) : Permissible purposes of consumer reports.
( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) Consumer reporting agency can not furnish an account without my written instructions.
-- -- -- -- -- -- -- -- -- -- -- -- - I have the right to privacy. The law clearly states a consumer reporting agency can not furnish an account without my written instructions and I do not recall giving these agencies written permission to furnish these accounts on my credit file. -- -- -- -- -- -- -- - 15 USC 1666b ( a ) -- -- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681a ( 2 ) ( a ) ( i ) -- -- Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681c ( a ) ( 5 ) -- -- Requirements relating to information contained in consumer reports.
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -- -- -- -- -- -- -- -- -- -- -- -- -- -- The law clearly states a consumer reporting agency can not furnish an account without my written instructions and I do not recall giving these agencies written permission to furnish these accounts on my credit file. -- -- -- -- -- -- -- -- -- -- -- -- -- -- 15 U.S. Code 1681d ( d ) ( 4 ) ( a ) ( b ) - Disclosure of investigative consumer reports.
( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information. -- -- -- -- -- -- -- -- -- -- -- -- -- - Delete all late payments and derogatory remarks from my consumer file. These agencies are in violation of 15 USC 1666b ( a ), 15 USC 1681a ( 2 ) ( a ) ( i ), 15 USC 1681b ( a ) ( 2 ) ,15 USC 1681c ( a ) ( 5 ) and 15 USC 1681d ( d ) ( 4 ) ( a ) ( b ).
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08/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.
Below are fraudulently unauthorized inquires on my report:
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX/XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX/XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX Card
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX/XXXX
Date: XX/XX/XXXX
Company: XXXX/XXXX Date: XX/XX/XXXX
Company: XXXX/XXXX Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX XXXXXXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX/XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX/XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX/XXXX Date: XX/XX/XXXX
Company: XXXX/XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Funding
Date: XX/XX/XXXX
Company: XXXX XXXX Cred
Date: XX/XX/XXXX
Company: XXXX/XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Credit
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX/XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX/XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company XXXX XXXX Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Capital
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX/XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX/XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX/XXXX
Date: XX/XX/XXXX
BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report:
Company: XXXX XXXX XXXX/XXXX XXXX
Account#: XXXX Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX/XXXX XXXX XXXX Account#: XXXX Date Open: XX/XX/XXXX
Balance: XXXX
Company: XXXX XXXX/XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX/XXXX/XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX/XXXX/XXXX XXXX
Account#: XXXX Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX
Account#: XXXX Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX Account#:XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX
Account#: XXXX Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX
Account#: XXXX Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX/XXXX Account#: XXXX Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX/XXXX XXXX Account#: XXXX Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX
Account#: XXXX Date Open: XX/XX/XXXX
Balance: $XXXX
|
12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!!
THANKS IN ADVANCE Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified inquiries MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS XXXX : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, and driver 's license.
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE FRAUDULENT AND INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY!
Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$790.00} Account Number : XXXX Account Name : XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$480.00} Account Number : XXXX Account Name : XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$530.00} Account Number : XXXX Account Name : XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$2900.00} Account Number : XXXX Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$3700.00} Account Number : XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Account Name : XXXX XXXX When Account Was Open : XXXX, XXXX Amount : {$750.00} Account Number : XXXX Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$7800.00} Account Number : XXXX Remove all fraudulent, inaccurate late payments asap from the credit report.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY!
Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$3500.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$10000.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$20000.00} Account Number : XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Remove all fraudulent, inaccurate late payments asap from the credit report.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY!
Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$20000.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$5500.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$3400.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$2000.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$5500.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$2000.00} Account Number : XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Remove all fraudulent, inaccurate late payments asap from the credit report.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY!
Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$2000.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$2400.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$5700.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$3500.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$10000.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$5400.00} Account Number : XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
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08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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My name is XXXX XXXX a nature person and I am filing this complaint. Based on my research and the efforts made to clear this matter up, based on the rights and laws that are in place to protect my rights. My credit report is reporting incorrect, no even my name and address are correct. I have provided a detail case, with the attached. I want these accounts removed from my file and 30 days is much to long to wait, as I have worked with them and they will not operate in good faith. I have attached clear and apparent proof of these facts and it should be fairly easy to remove these items from the report, as the 30 day window has passed several times over to no avail. The following are the violations conducted upon me.
XXXX. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith from 2021 to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : XXXX, XXXX, EQUIFAX ( EQUIFAX CREDIT INFORMATION SERVICES ) and XXXX XXXX XXXX, XXXX,. XXXXXXXX XXXX and XXXXXXXX XXXX
XXXX. ( FACT ) 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( FACT ) 1681b ( a ) ( 2 ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX. ( FACT ) 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( FACT ) 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
XXXX. ( FACT ) 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
XXXX. ( FACT ) 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
XXXX. ( FACT ) 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and drives my XXXX XXXX up.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received.
XXXX. ( FACT ) 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt.
XXXX. ( FACT ) 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law.
The entities have oppressed my financially and harmed my quality of life. I feel worried and XXXX when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and XXXX created by the continuous certified mailing to all parties involved. The cost of these mailings has a large financial commitment attached to them.
XXXX. ( FACT ) 1681n ( a ) ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
XXXX. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation.
1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all XXXX reports, that are completely different. ( Drastically different ) See attached credit report.
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06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Credit reporting agency has not conducted a proper investigation, nor have they provided proof/evidence of the investigation. After this, they have failed to removed erroneous info.
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? if you cant provide proof, these accounts must be deleted. You have not truly updated nor provided me any proof.
Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these again and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.
Please investigate the following accounts and remove them or provide proof of validation.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In generalBefore the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
15 U.S. Code 1681s2 - ( E ) Duty of person after receiving notice of disputeAfter receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
AccountsName of Account Account Number Provide Physical VerificationXXXX Bank ( duplicated ) XXXX Unverified XXXX XXXX Bank XXXX XXXX Unverified AccountXXXX XXXX XXXX Unverified AccountXXXX XXXX Unverified AccountXXXX XXXX XXXXXXXX XXXX Unverified AccountXXXX XXXXXXXX Bank XXXX Unverified AccountXXXX XXXX XXXXXXXX Unverified AccountXXXX XXXXXXXX Bank XXXX Unverified AccountXXXX XXXX Bank XXXX XXXX Unverified AccountXXXX XXXX XXXXXXXX Unverified AccountXXXX Bank ( duplicated ) XXXX Unverified AccounXXXX XXXX XXXX Unverified Account I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to me electronically.Thank you for your time and help in this matter.
Violations : 5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
*You have never had my written instruction to report on my behalf.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information that is being reported on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I have the right to request the investigation and correction of any inaccurate or incomplete information contained in my credit file.
I have recently reviewed my credit report, obtained from XXXX, and identified the following inaccuracies : XXXX XXXX XXXX : The account is being reported as open with a current balance of {$5100.00}. However, this account was actually closed in XXXX of XXXX How can an account be reporting an active balance if the account is closed. Please provide me with Statements, Payoff Disclosure, Interest Disclosure, Balance History, Payment History. If you can not provide accurate documentation validating this claim please remove this from my credit report, as it is reporting inaccurate information and causing financial hardship to creditworthiness.
XXXX. XXXX XXXX XXXX : Account number XXXX. This is being reported inaccurately on my credit report. Please provide me with the Statements, Payoff Disclosure, Interest Disclosure, Balance History, and Payment History. If you can not provide accurate documentation validating this claim please remove this from my credit report, as it is reporting inaccurate information and causing financial hardship to creditworthiness.
XXXX. XXXX XXXX XXXX : The account number XXXX is being reported on my credit file and is inaccurate. All payments were made in full and on time. However, it is reporting as a late payment which is hunting my financial creditworthiness. According to the FCRA there must be valid information verifying that this account was in fact late on a payment. Please provide me with such items, such as Statements, Payoff Disclosure, Interest Disclosure, Balance History, and Payment History that are verifying that this account was in fact late. If not, update my account as paid in full and time as this is hurting my credit profile.
XXXX. Inquiry : XXXX XXXXXXXX XXXX : This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
5. Inquiry : XXXX XXXX XXXX : ( Date : XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
XXXX. XXXX : XXXX XXXX XXXX : ( Date : XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
7. Inquiry : XXXXXXXX XXXX XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
8. Inquiry : XXXX XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be : true and accurate. If not it must be removed for reporting as inaccurate.
9. Inquiry : XXXX XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
10. Inquiry : XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
11. Inquiry : XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
12. Inquiry : XXXX XXXX ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
13. Inquiry : XXXX ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
14. XXXX XXXX : This account XXXX is reporting inaccurate information on my credit report causing my credit file and is actually a business account with its own XXXX number. ( Attached will be Verification of the account belonging to a business and not my personal ) Pease remove this as it is reporting in accurately on my credit file.
These inaccuracies are causing significant harm to my creditworthiness and financial standing. According to The FCRA CODES 15 USC 1666 B and 15 U.S.C. 1681 B these inaccuracies on my credit report need to be removed and updated as they are in violation. As a result, I kindly request that you promptly investigate these discrepancies and take the necessary actions to correct my credit report. I also request that you provide me with a free copy of my updated credit report once the corrections have been made.
I would like to remind you of your obligations under the FCRA, which require credit bureaus to maintain accurate and complete consumer information. Failure to comply with these obligations may result in legal action, as provided for by the FCRA.
Please ensure that your investigation is thorough, objective, and completed within the 30-day period mandated by the FCRA. I trust that you will conduct a fair assessment of my dispute and take appropriate measures to rectify the inaccuracies promptly.
I appreciate your attention to this matter and your cooperation in resolving these inaccuracies. I look forward to receiving written confirmation of the investigation 's commencement and a timely resolution to this dispute.
Please find a copy of my ONLY driver 's license and social security card for verification of who I am.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX
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08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this recollection to me or delete this account immediately from my credit report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this recollection to me or delete this account immediately from my credit report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this recollection to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this recollection to me or delete this account immediately from my credit report.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
Sincerely, XXXX XXXX XXXX
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06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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1. Equifax stated that XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if the monthly payment is inaccurate, the date opened is inaccurate, the balance is inaccurate, the credit limit is inaccurate, the past due is inaccurate, payment status is inaccurate, last reported is inaccurate, date last active is inaccurate, and date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- -- 2. Equifax stated that XXXX XXXX Bank and Account XXXX XXXX was properly investigated but how is that possible if the high credit limit is inaccurate, the credit limit is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- - 3. Equifax stated that XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if the high credit limit is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- -- - 4. Equifax stated that XXXX XXXX and Account Number XXXX was properly investigated but how is that possible, if a filed Identity Theft Report with proper identification and a supporting statement was attached with the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- 5. Equifax stated that XXXX XXXX was properly investigated but how is that possible, if a filed Identity Theft Report with proper identification and a statement was attached with the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- -- - 6. Equifax stated that XXXX XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if this company is not the original creditor and there was never a contract with an original signature between two parties or unilaterally. How was this properly investigated if a collection agency is able to report late payments ( 120 days ) and the date of last payment is inaccurate because there was never a contract with this alleged debt collector or payments. How was it properly investigated if this account was also included in an Identity Theft Report included in the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681g ( a ) ( 1 ) -- - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request -- -- -- -- -- -- -- -- According to 15 USC 1681g ( a ) ( 1 ), how are you validating the investigation request?
-- -- -- -- - This is grounds for removal because I have not been provided any information on file to validate any account or proof that you have truly investigated any accounts or details. -- -- -- -- -- -- -- -- 15 USC 1681 ( a ) ( 4 ) -- -- FCRA Sec. 602 ( a ) ( 4 ) : Congressional findings and statement of purpose.
( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681b ( a ) ( 2 ) -- - FCRA Sec. 604 ( a ) ( 2 ) : Permissible purposes of consumer reports.
( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) Consumer reporting agency can not furnish an account without my written instructions.
-- -- -- -- -- -- -- -- -- -- -- -- - I have the right to privacy. The law clearly states a consumer reporting agency can not furnish an account without my written instructions and I do not recall giving these agencies written permission to furnish these accounts on my credit file. -- -- -- -- -- -- -- - 15 USC 1666b ( a ) -- -- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681a ( 2 ) ( a ) ( i ) -- -- Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681c ( a ) ( 5 ) -- -- Requirements relating to information contained in consumer reports.
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -- -- -- -- -- -- -- -- -- -- -- -- -- -- The law clearly states a consumer reporting agency can not furnish an account without my written instructions and I do not recall giving these agencies written permission to furnish these accounts on my credit file. -- -- -- -- -- -- -- -- -- -- -- -- -- -- 15 U.S. Code 1681d ( d ) ( 4 ) ( a ) ( b ) - Disclosure of investigative consumer reports.
( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information. -- -- -- -- -- -- -- -- -- -- -- -- -- - Delete all late payments and derogatory remarks from my consumer file. These agencies are in violation of 15 USC 1666b ( a ), 15 USC 1681a ( 2 ) ( a ) ( i ), 15 USC 1681b ( a ) ( 2 ) ,15 USC 1681c ( a ) ( 5 ) and 15 USC 1681d ( d ) ( 4 ) ( a ) ( b ).
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02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. Bankruptcy : Dismissed XXXX Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
XXXX. Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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1. Equifax stated that XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if the monthly payment is inaccurate, the date opened is inaccurate, the balance is inaccurate, the credit limit is inaccurate, the past due is inaccurate, payment status is inaccurate, last reported is inaccurate, date last active is inaccurate, and date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- -- 2. Equifax stated that XXXX XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if the high credit limit is inaccurate, the credit limit is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- - 3. Equifax stated that XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if the high credit limit is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. Please see attached credit file and supporting documents. -- -- -- -- -- -- -- -- -- -- - 4. Equifax stated that XXXX XXXX and Account Number XXXX was properly investigated but how is that possible, if a filed Identity Theft Report with proper identification and a supporting statement was attached with the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- 5. Equifax stated that XXXX XXXX was properly investigated but how is that possible, if a filed Identity Theft Report with proper identification and a statement was attached with the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- -- - 6. Equifax stated that XXXX XXXX XXXX and Account XXXX XXXX was properly investigated but how is that possible if this company is not the original creditor and there was never a contract with an original signature between two parties or unilaterally. How was this properly investigated if a collection agency is able to report late payments ( 120 days ) and the date of last payment is inaccurate because there was never a contract with this alleged debt collector or payments. How was it properly investigated if this account was also included in an Identity Theft Report included in the Investigation Request. Please see attached credit file and supporting documents. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681g ( a ) ( 1 ) -- - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request -- -- -- -- -- -- -- -- According to 15 USC 1681g ( a ) ( 1 ), how are you validating the investigation request?
-- -- -- -- - This is grounds for removal because I have not been provided any information on file to validate any account or proof that you have truly investigated any accounts or details. -- -- -- -- -- -- -- -- 15 USC 1681 ( a ) ( 4 ) -- -- FCRA Sec. 602 ( a ) ( 4 ) : XXXX findings and statement of purpose.
( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681b ( a ) ( 2 ) -- - FCRA Sec. 604 ( a ) ( 2 ) : Permissible purposes of consumer reports.
( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) Consumer reporting agency can not furnish an account without my written instructions.
-- -- -- -- -- -- -- -- -- -- -- -- - I have the right to privacy. The law clearly states a consumer reporting agency can not furnish an account without my written instructions and I do not recall giving these agencies written permission to furnish these accounts on my credit file. -- -- -- -- -- -- -- - 15 USC 1666b ( a ) -- -- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681a ( 2 ) ( a ) ( i ) -- -- Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 USC 1681c ( a ) ( 5 ) -- -- Requirements relating to information contained in consumer reports.
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -- -- -- -- -- -- -- -- -- -- -- -- -- -- The law clearly states a consumer reporting agency can not furnish an account without my written instructions and I do not recall giving these agencies written permission to furnish these accounts on my credit file. -- -- -- -- -- -- -- -- -- -- -- -- -- -- 15 U.S. Code 1681d ( d ) ( 4 ) ( a ) ( b ) - Disclosure of investigative consumer reports.
( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information. -- -- -- -- -- -- -- -- -- -- -- -- -- - Delete all late payments and derogatory remarks from my consumer file. These agencies are in violation of 15 USC 1666b ( a ), 15 USC 1681a ( 2 ) ( a ) ( i ), 15 USC 1681b ( a ) ( 2 ) ,15 USC 1681c ( a ) ( 5 ) and 15 USC 1681d ( d ) ( 4 ) ( a ) ( b ).
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05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final writtenOFFER OF SETTLEMENT BEFORE LITIGATIONas my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file.I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well asINACCURATE ERRONEOUS ITEMSsent to you previously will also become part of aformal complaint to the Federal Trade Commissionand shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that underSection 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2.What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3.My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that I incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable or Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
3. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.
XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Anypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumeras a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agency for actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
*Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting ActSection 611 ( a ) ( 1 ) ( A ). Be advised that thedescription of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be providedwithin ( 5 ) days of the completion of your re-investigationand I am keeping a careful record of your actions, including your Method of Verification.I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205CC : Consumer Financial Protection BureauCC : Attorney Generals OfficeCC : XXXX XXXX XXXXCC : State SenateCC : Federal Deposit Insurance CorporationCC : Comptroller Of The CurrencyCC : Federal Reserve SystemCC : Credit and insuranceCC : Federal Trade CommissionCC : State Regulatory agencyCC : California Regulatory agency Division of consumer complaints Thanks so Much XXXX XXXX
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01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, ID XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, ID XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX -This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, ID XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, ID XXXX- This address is not correct. Delete it immediately from my report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC : Law Firm XXXX , XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Ss # XXXX XX/XX/2023 NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is, because from the looks of my credit report and all the errors I see, heres my breakdown : 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act : Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate.
They are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX XXXX Account numberXXXX XXXXXXXX XXXX XXXX Account numberXXXX XXXX XXXX Account number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asaP Your improper procedures are highly damaging to my credit score.
3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX Account number : XXXX Validate/inaccurate reported late payments.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I am XXXX XXXX and I am submitting this complaint myself. These accounts still reported in my credit file and that are all inaccurate and erroneous. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for these accounts? The following accounts should be corrected or removed from my credit file : XXXX XXXX XXXX Balance Owed : {$28000.00} - Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that you are reporting an account that has been deleted by other credit bureaus. To comply with the FCRA, I request that you remove the said account from my credit report without delay to avoid any negative impact on my creditworthiness. XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. XXXX XXXX XXXX XXXX : {$0.00} - This charge off account on my credit report with a XXXX balance are causing undue stress and negative impact on my credit score. I demand that you take action to investigate and remove the charge off status to ensure that my credit report is accurate and up to date. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - It is completely unacceptable that this account has been designated as a charged-off account, yet there is still a balance present on the statement. Explain to me immediately why this inconsistency exists. The balance is unequivocally erroneous, and I demand that you rectify the issue by either setting it to XXXX or removing the item entirely. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} - It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy, and you will correct the balance immediately. If you fail to do so, I will not hesitate to take legal action against your organization. XXXX XXXX XXXX Balance Owed : {$28.00} XXXX - Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - It is completely unacceptable that this account has been designated as a charged-off account, yet there is still a balance present on the statement. Explain to me immediately why this inconsistency exists. The balance is unequivocally erroneous, and I demand that you rectify the issue by either setting it to XXXX or removing the item entirely. XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that you are reporting an account that has been deleted by other credit bureaus. To comply with the FCRA, I request that you remove the said account from my credit report without delay to avoid any negative impact on my creditworthiness. XXXX XXXX XXXX XXXX : {$0.00} - This charge off account on my credit report with a XXXX balance are causing undue stress and negative impact on my credit score. I demand that you take action to investigate and remove the charge off status to ensure that my credit report is accurate and up to date. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} - It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy, and you will correct the balance immediately. If you fail to do so, I will not hesitate to take legal action against your organization. XXXX XXXX XXXX Balance Owed : {$28000.00} - Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. XXXX XXXX XXXX XXXX : {$0.00} - This charge off account on my credit report with a XXXX balance are causing undue stress and negative impact on my credit score. I demand that you take action to investigate and remove the charge off status to ensure that my credit report is accurate and up to date. XXXX XXXX Balance Owed : {$0.00} - This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - It is completely unacceptable that this account has been designated as a charged-off account, yet there is still a balance present on the statement. Explain to me immediately why this inconsistency exists. The balance is unequivocally erroneous, and I demand that you rectify the issue by either setting it to XXXX or removing the item entirely. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} - It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy, and you will correct the balance immediately. If you fail to do so, I will not hesitate to take legal action against your organization.
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04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is a not a duplicate complaint and I'm not using any third party for this matter. I know my rights very well. I have been absent from the country for a while, when I came back to the USA I was shocked, my Identity was stolen. The accounts that are being disputed, do not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that these accounts were fraudulently opened, and they have known this for several months. Therefore, I have come to you to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. Policy states According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), XXXX XXXX XXXX of XXXX XXXX. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address. And I'm excepting from you to remove these accounts immediately.
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05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Equifax violated and continues to violate 12 CFR Part 1022, FCRA, and 15 USC 1681 by continuing to report a medical account on my credit report despite requesting the removal of this account since XXXX. While this account was removed by the CRAs, XXXX and XXXX, Equifax remains persistent in their non-compliance. Specifically, this is in violation of the FCRA section 603 and 15 USC 1681a ( 3 ) which states " Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. '' Equifax also violated 12 CFR Part 1022. Congress defined the purpose of a credit report in FCRA 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Additionally, Equifax violated 12 CFR 1022, and FCRA 603 defines the rules of construction of a credit report which are : [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 It also states that ( i ) The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual.
( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
XXXX violated 12 CFR Part 1022, and FCRA 607 Compliance procedures [ 15 U.S.C. 1681e ] which states that ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title.
Lastly, XXXX also violated 12 CFR Part 1022, FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] which allows for {$1000.00} per violation and FCRA 617 ; Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] which also allows for {$1000.00} per violation ; and, XXXX Civil Law 1785.31 which allows for punitive damages. Punitive damages are necessary given the length of time that these violations have existed and the negligent persistence of Equifax to not remove the medical account despite numerous requests and correspondence sent to Equifax to do so.
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07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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This complaint is being filed against Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX for violation In accordance with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general. Subject to subsection ( f ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( XXXX ) CONSIDERATION OF CONSUMER INFORMATION In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information.
At this time all supporting documentation was submitted along with proof of address and social security number was attached identifying me as the person disputing ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
The purpose for my complaint is that Equifax was sent several letters to rectify the problem regarding inaccuracies on my consumer file. I sent my XXXX dispute to Equifax on XXXX XXXX Certified Mail XXXX, Certified Mail received on XX/XX/XXXX, signed by XXXX XXXX, Certified Mail XXXX received on XX/XX/XXXX, signed by XXXX XXXX and Certified Mail XXXX received XX/XX/XXXX, signed by XXXX XXXX. XXXX Certified Mail sent XX/XX/XXXX, and it was received on XX/XX/XXXX, signed by XXXX XXXX. My disputes were returned to me stating that these accounts had been VERIFIED AS ACCURATE, My XXXX request in the form of a dispute was sent to Equifax requesting re-investigation on XX/XX/XXXX, sent Certified Mail XXXX, this letter was received on XX/XX/XXXX, signed by XXXX XXXX. My XXXX dispute was returned to me with the following results. VERIFIED AS ACCURATE, My last and XXXX letter was sent to Equifax XXXX Mail XXXX on XX/XX/XXXX, and Equifax received it on XX/XX/XXXX, it was signed by XXXX XXXX. This letter was asking Equifax for Method of Verification because there is no way this was verified as accurate with all the inconsistencies remaining on my consumer file. Again, this dispute was returned to me VERIFIED AS ACCURATE According to Section 611 ( a ) ( 1 ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate.
These are the items that were found to be inaccurate, and these are the items I requested that Equifax delete from my consumer file.
First Saving Acct Acct # XXXX Reason for dispute : This is inaccurate last reported is XX/XX/XXXX for XXXX, and XXXX is XX/XX/XXXX, Equifax has XX/XX/XXXX the date of last payment is inaccurate, XXXX has XX/XX/XXXX AND Equifax has XX/XX/XXXX this is a violation.
XXXX XXXX Acct XXXX High credit limit is inaccurate, XXXX has {$2600.00}, XXXX has {$0.00}, and Equifax has {$3400.00} this is a violation. The last payment for XXXX is XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, also The date last active is inaccurate XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX. This is a violation.
XXXX XXXX XXXX Acct XXXX Inaccurate****Apparently there is a discrepancy between the date last active XXXX has XX/XX/XXXX, XXXX has XXXX and Equifax has XX/XX/XXXX. The last payment is also inaccurate, XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX The date reported is inaccurate, XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX. The date of last payment is inaccurate XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax XX/XX/XXXX, this is a violation.
XXXX XXXX XXXX Acct # XXX # # no acct listed on report Inaccurate The date last active for XXXX has XX/XX/XXXX which XXXX re-aging this account. The date last active for XXXX is XX/XX/XXXX and Equifax has XX/XX/XXXX The payment history is showing co for XXXX and OK for Equifax, how is it possible for it to reflect OK and a CO for the same dates, this is a violation.
XXXX Acct XXXX Inaccurate The last payment date for Equifax is XX/XX/XXXX, there is no payment showing for XXXX and XXXX, the date last active for XXXX is XX/XX/XXXX, and XXXX has XX/XX/XXXX and Equifax is XX/XX/XXXX, this is a violation.
XXXX XXXX XXXX # XXXX the amount listed on XXXX is {$620.00} and XXXX has the amount of {$620.00}, this is inaccurate, the date last active for XXXX is XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX this a violation.
XXXX XXXX XXXX XXXX has high credit limit of XXXX, XXXX has XXXX and Equifax XXXX XXXX, XXXX has the past due XXXX XXXX has XXXX and Equifax has XXXX, the date last active XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, there should not be a balance on my account, this was PAID IN FULL. these are all inaccuracies on my credit file, this is a violation.
XXXX XXXX Bank Acct # XXXX Inaccurate info listed, The date last active for XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, The last payment for XXXX is XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, this is a violation.
XXXX XXXX XXXX XXXX Acct # XXXX has inaccurate information, the date last active for XXXX is XX/XX/XXXX and Equifax has XX/XX/XXXX. This is a violation XXXX XXXX Acct # XXXX The date last active for XXXX is XX/XX/XXXX and XXXX has XX/XX/XXXX, Equifax has XX/XX/XXXX this is a violation.
XXXX XXXX Acct # x XXXX The high credit is inaccurate XXXX has {$620.00}, XXXX has {$0.00}, and Equifax has {$500.00}. credit limit is wrong XXXX has XXXX, XXXX has XXXX and Equifax has XXXX. The date last reported for XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, this is inaccurate. This is a violation.
XXXX XXXX Acct # XXXX The date last active for XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, the date last paid has XXXX different dates, XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX this is inaccurate, and a violation.
XXXX XXXX Acct # XXXX XXXX has high credit limit of XXXX, XXXX has XXXX and Equifax XXXX XXXX, XXXX has the past due XXXX XXXX has XXXX and Equifax has XXXX, the date last active XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, these are all inaccuracies on my credit file, this is a violation.
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05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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under the law 15 U.S. code 1681e -compliance procedures section 1681b of this title states.
( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates In furtherance and accordance with state law 15 U.S.C. 1681a ( 5 ) if, any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CREDIT REPORT. DELETE IT IF ITS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONUMER REPORT. DELETE IF IT IS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.
15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681 S-2 RESPON responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A Due to the fair credit reporting act I obtained the right to remove false information from my credit report Furthermore I would also like to investigate the accounts that I have listed as it or they are not reporting on all other credit bureaus equally or accurately due to false or incorrect or inaccurate information per the fair Credit reporting Act I have the right to dispute incomplete or inaccurate information therefore I ask that you please remove this inaccurate information from my credit report The above hard inquiries were not made by me nor did I give anybody permission to make these hard inquiries on my behalf, therefore I am asking that you please remove these inquiries as I have already contacted the corporations/persons/entities associated with these accounts and they are giving me no information I am asking the credit Bureau to please remove these accounts as they are fraudulent enclosed is my personal identification for verification purposes I hope that this matter can be fixed at your earliest convenience thank you and have a blessed day yours truly XXXX XXXX under the law 15 U.S. code 1681e -compliance procedures section 1681b of this title states.
( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates In furtherance and accordance with state law 15 U.S.C. 1681a ( 5 ) if, any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONSUMER REPORT. DELETE IT IF ITS NOT REPOERTING ACCURATLEY.
ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX INVESTIGATE THIS ACCOUNT ON MY CONSUMER REORT. DELETE IT IFITS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONUMER REPORT. DELETE IF IT IS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONSUMER REPORT. DELETE IT IF ITS NOT REPORTING ACCURATLLEY According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.
15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681 S-2 RESPON responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A Due to the fair credit reporting act I obtained the right to remove false information from my credit report Furthermore I would also like to investigate the accounts that I have listed as it or they are not reporting on all other credit bureaus equally or accurately due to false or incorrect or inaccurate information per the fair Credit reporting Act I have the right to dispute incomplete or inaccurate information therefore I ask that you please remove this inaccurate information from my credit report The above hard inquiries were not made by me nor did I give anybody permission to make these hard inquiries on my behalf, therefore I am asking that you please remove these inquiries as I have already contacted the corporations/persons/entities associated with these accounts and they are giving me no information I am asking the credit Bureau to please remove these accounts as they are fraudulent enclosed is my personal identification for verification purposes I hope that this matter can be fixed at your earliest convenience thank you.
i ask that the credit bureaus show me written documentation on how they verified each of the listed accounts i would need all of the paper work and any and all signatures on any paper work that is associated with all of the listed accounts all documentation on how these accounts have been verified to be mine as i have clearly given each of the credit agencies proof of identity theft as i never gave any financial institutions any written permission to allow a third party none affiliate to receive my personal information 15 USC 6802 clearly states i have the right to opt out which i have clearly done so
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12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by EQUIFAX, XXXX XXXX XXXX and XXXX XXXX.
In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report.
Credit reporting agencies such as EQUIFAX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. EQUIFAX is not upholding its role pursuant 15 USC 1681. You ( EQUIFAX ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act.
Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - EQUIFAX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. You ( EQUIFAX and XXXX XXXX ) are in violation of Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). This Federal law protects the privacy of my student education records. I signed a privacy form, which indicated that my student loan servicer would provide my transaction history to any 3rd party company, therefore these must be deleted.
My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from EQUIFAX, XXXX XXXX XXXX and XXXX XXXX. As a violation of 15 USC 6802- you ( EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission.
You ( EQUIFAX, XXXX XXXX XXXX and XXXX XXXX ) are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX, XXXX XXXX XXXX and XXXX FINANCIAL ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
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04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX ( HR-12 ) - ( HR-8 ) XXXX I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Here is a list of accounts that you claimed were verified Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect NAME : XXXX XXXX XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXXXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by DEPT OF EDUCATION/ XXXX.
In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report.
Credit reporting agencies such as Equifax, XXXX and XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. Equifax, XXXX and XXXX are not upholding its role pursuant 15 USC 1681. You ( DEPT OF EDUCATIONXXXX XXXX ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act.
Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - Equifax, XXXX and XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. You ( DEPT OF EDUCATION/ XXXX ) are in violation of Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C . 1232g ; 34 CFR Part 99 ). This Federal law protects the privacy of my student education records. I signed a privacy form, which indicated that my student loan servicer would provide my transaction history to any 3rd party company, therefore these must be deleted.
My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from DEPT OF EDUCATIONXXXX XXXX. As a violation of 15 USC 6802- you ( DEPT OF EDUCATIONXXXX XXXX ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission.
DEPT OF EDUCATIONXXXX XXXX are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you DEPT OF EDUCATIONXXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
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09/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The purpose of this request is to seek your assistance in rectifying an injustice perpetrated by the XXXX XXXX XXXX XXXX ( XXXX ).
About two years ago, my Mother got confused and inadvertently used my checkbook to pay her bills. It was her belief that she was writing her checks against her account, as we both have checking accounts at the XXXX. Not only are the checkbooks very similar in appearance, but my Mother is a non-US citizen and sometimes easily gets confused with the English language and some of the American customs.
I was totally unaware of this situation, or any other problems with my account, until XXXX notified me that my account was overdrawn. I immediately froze the account and began to investigate what had happened. Initially, it was my belief that my checkbook may have been stolen and was being used by an unauthorized person, as XXXX confirmed to me that they had verified that the signatures on the checks that were posted to my account were not mine. With a bit more information, I was able to determine what had happened. My mother wrote those checks. She was confused and just made an honest mistake. There was no attempt to defraud the bank ; no criminal intent ; and no crime committed. People are human and humans make mistakes.
I thought that once it was determined that my Mother had written the checks by mistake, and that I had no knowledge of any of the transactions, that XXXX would have rectified the situation by switching the erroneous entries to my Mothers account for payment. However, unbeknownst to me, XXXX did not take that action. Instead, they adjudged my account to be in default and had a collection action posted against my credit file with Equifax via a Collection Agency.
I still have that XXXX account, and at the time this occurred, I was a XXXX XXXX XXXX and not working at the time. Thus, there has been no activity or transactions on this account over the past two years and I havent had a need to access or check my XXXX account in that timeframe. The main reason for this is that I manage my budget and expenditures via the use of a debit card and do all my banking with the XXXX XXXX XXXX.
I was asked why I have not been checking my XXXX statements. The answer is simple. With paperless statements and no activity on my part, it was a matter of out of mind and out of sight. There just wasnt a need for me to do so. Thus, it wasnt until last XXXX, when I was denied a major credit card application, that I discovered that there was a collection action on my credit file.
I then contacted XXXX several times. When I ask why they took action against my account when they clearly knew I was not the cause of the problem, they said that they did so because it was my name and account number on the checks. I guess they dont realize that anyone can have checks printed from XXXX and a thousand other places. If that is all that XXXX did, then they certainly lacked proper procedures and due diligence, as I am now being penalized for actions that I did not do ; for transactions that I had no knowledge had occurred ; and for something that XXXX knew was not done by me.
My Mother has recently provided me some money and I paid the debt in full. And XXXX told me when the debt was paid, that they agreed that I shouldnt have the collection action in my file since I was not at fault. They indicated that they would contact the XXXX XXXX ( XXXX XXXX XXXX ) and have them eliminate it from my file. I was told that this might take a month and to have patience. However, the only thing that XXXX XXXX XXXX did during the month of XXXX was to indicate that the debt had been repaid in full.
Meanwhile, I wrote a dispute letter to Equifax. They denied my dispute and closed the case stating that they had contacted the Collection Agency and that they have verified the collection action was in the proper file.
So I went back to XXXX to again get their help to remove the collection action from my credit report that they initiated. This time I was told that in the absence of a police report indicating that the checks were stolen, they would take no action to remove the collection action. Seriously? The checks were never stolen! It was an inadvertent act, not a criminal offense! Im certainly not going to file a police report.
XXXX also indicated that they would take no action because I violated the disclosure agreement for the account. I re-read the agreement and it states that I have 33 days to contact them if there is a discrepancy with my account. I certainly contacted them immediately upon my account being overdrawn and that was less than 33 days. As indicated above, I never had another transaction with this account within the last two years. And the disclosure agreement does not require me to contact XXXX repeatedly for the same incident. Therefore, I dont believe I am in violation of the disclosure agreement.
Finally, I find it ironic that XXXX wont remove the adverse collection action from my credit file, but at the same time they just offered me a credit card with a {$4000.00} limit and a line of credit for {$1500.00}. So, I guess what they are saying is that Im untrustworthy and need to have the collection action remain in my credit history, but Im creditworthy enough to have to have them issue me a credit card and a line of credit!
Since I was never legally responsible for the debt in question, and since XXXX was paid in full for all the checks that were written and suffered no loss of funds, I should not, therefore, be held responsible for either late payment or non-payment of this debt. This incident was not my fault, yet Im the one being penalized. According to the credit report, the unfavorable information could remain in my credit history for up to seven years!
Im a Deans List college student who is concurrently working a full-time job. I have applied to become a XXXX XXXX school XXXX and hope to start classes this XXXX. I know I have a short credit history, but have never missed a payment, including any of my student loans. I could use some additional credit for books, supplies, tuition and other expenses. And I believe that Ive demonstrated that indeed I am a creditworthy person. Yet Im being denied an additional credit, and possibly for the next seven years, because XXXX took action to place an unfair collection action in my credit report. This needs to be rectified.
Therefore, I am requesting your Agencys assistance for the following : 1 ) I would appreciate any help or advice that you might have as to how I can permanently eliminate the collection action from my credit file. If this were to occur soon, I would consider this incident closed and take no further action.
2 ) XXXX should be investigated to see if they used proper procedures and due diligence in handling this situation. They knew when they compared the signatures on the checks that I was not at fault, yet took action against me. Had they just transferred the erroneous transactions to the proper account ( which they knew ), I would not be in this situation today.
With you help, I hoping that I will be able to reestablish my reputation that I am a trustworthy person ; have the collection action permanently removed from my credit file ; establish that I am indeed creditworthy ; and be able to obtain additional credit with any credit company in the future, as needed, without encountering any further problems due to this incident.
Incl. XXXX XXXX rejection Dispute resolution results
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09/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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After receiving my recent disputes in XX/XX/XXXX XX/XX/XXXX from XXXX, Equifax and XXXX. I received a letter saying that the accounts are reported accurate. It is impossible to have an account be accurate after without showing me any factual documents with any wet signature with my name like i will mentioned. I am concerned about the validity and accuracy of your recent investigation of Fraudulent Erroneous Inaccurate Accounts : 1. XXXX XXXX # XXXX {$12000.00} 2. XXXX XXXX # XXXX {$12000.00} 3. XXXX XXXX # XXXX {$25000.00} : INQUIRIES/Non-verifiable inquiries : 1. XXXX XXXX/XXXX XXXX XX/XX/XXXX 2. XXXX XXXX/XXXX XXXX XX/XX/XXXX. 3. XXXX XXXX XXXX XX/XX/XXXX. 4. XXXX XXXX XX/XX/XXXX. 5. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX that is reporting on my credit report. On XX/XX/XXXX, I requested an investigation because I felt the item is not being reported legally, on XX/XX/XXXX through XX/XX/XXXX I received a letter stating that your investigation was complete but, Please explain to me how you conducted your investigation! This is my response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from the credit bureau. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq.
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.
2. What certified documents were reviewed to conclude your investigation?
3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
4. What did it cost your company to obtain the documents needed to complete your investigation?
5. Please provide proof of your timely procurement of certified documents.
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
7. If you reply yes to the above then : Who did you speak with?
What was the date?
How long was the conversation?
What was their position?
What number did you call?
What is the name of your employee that spoke directly to the above party?
What is the position of your employee that spoke to the above party?
How long has that individual been employed by your company?
What type of training was provided to this employee in order to investigate items of this kind? Were there any e-mails or written communications between employees of your company and the above party?
8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question.
9. Please provide the date of the commencement of delinquency.
10. Please provide the SPECIFIC date reporting of this item will cease.
Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account ( s ) in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro se and will formally request a jury trial. I have asked consistently for you to send me any factual original contracts with my wet signature. I also asked for you to tell me what steps were taken to verify the account on your part? I would like to know every step that was taken the name, address, individual who were on my case and dispute. I've mentioned that the accounts were fraudulent and errors. You insisted to send me a letter mentioning that the creditor mentioned that the account was verified and accurate. I am allowing less that a week for this situation to be resolved within an internal investigation. Provide factual original documents with a wet signature showing my personal signature. By law if you do not respond to this message showing me what i asked for, factual documents/original documents, actual dates, actual phone conversations, emails, verification process, the name of the humans who actually verified the information from the credit bureaus, and the actual creditor they spoke to, or any emails that were sent through both parties to verify the accounts and procedures. The accounts must be removed permanently and Immediately by law. You are in violation of several laws through sections FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. It is in violation for a reporting agency to report inaccurate verifying financial information on a consumer without providing factual documents, Credit bureaus fail to follow guidelines for handling disputes which i am aware of as a consumer. Being that my information was leaked in several recent breaches, i sent information proving that the accounts don't belong to me. I recently received a letter mentioning that the investigation is over. It is impossible and i feel truly violated that there weren't a professional procedure done to assure the accuracy of my credit report, as the credit bureaus you must follow proper procedures and protocols, such as conducting an investigation, correcting inaccuracies or removing a disputed debt that couldn't be verified correctly. This is the final attempt to resolve this matter and i am allowing an internal investigation for only 3 to 5 business days. I will not allow a credit bureau to determine that accounts belonged to me. This is ludicrous and as a consumer i have the right to dispute inaccuracies on my credit report that don't belong to me. If you continue to report inaccurate information generating a false statement from the credit bureaus so call verifying inaccuracies i will immediately file a lawsuit. If you attempt to shut the down this investigation i will be sure to present every piece of evidence including paper work, phone calls and voice messages threatening me and calling at my job and calling at my residents all times of the night, emails, recorded phone conversations, all the documents. This isn't a threat.
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02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately.
2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, FL XXXX- This address belongs to someone else. Delete it from my report immediately.
3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, GA XXXX- This address belongs to someone else. Delete it from my report immediately.
4. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX- This address belongs to someone else. Delete it from my report immediately.
5. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately.
6. The following personal information is incorrect Account Number : XXXX XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
7. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
8. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
9. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
10. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
11. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
12. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
13. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
14. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
15. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
16. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
17. XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
18. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
19. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
20. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
21. Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
22. Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It XXXX Concern, I am writing to file a complaint against XXXX XXXX XXXX ( Partial account number : XXXX ), for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. This is the second account with XXXX XXXX XXXX, which I am filing a complaint against. I asked this XXXX XXXX XXXX to investigate this report and they also failed to do an actual investigation. I hope that this time the request for information in this complaint will resolve any inaccuracies when submitted. The Fair Credit Reporting Act ( FCRA ) requires that collection companies provide validation and verification of debt before collecting on it. Specifically, Section 609 ( a ) of the FCRA requires that a consumer reporting agency ( CRA ) such as a collections company provide a consumer with such information upon request. I requested validation and verification of the debt they collected and never received it. In this complaint, because my request was never responded to, again, I am officially requesting validation and verification of the debt that was collected by XXXX XXXX XXXX.
Detailed Request for validation of the debt : I am requesting a validation of the debt that was collected by XXXX XXXX XXXX along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt XXXX, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. XXXX addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX XXXX assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt was valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector had the legal right to collect on the debt, including the signed terms between the creditor and collector ( XXXX XXXX XXXX ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector ( XXXX XXXX XXXX ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ). I request XXXX XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX XXXX fails to validate the debt, I dispute the reporting of this debt, and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per XXXX U.S.C. 1681s-2 ( a ). However, if XXXX XXXX XXXX can validate the debt with the above request, I will accept the reporting as accurate.
Detailed Request for verification of the debt : I am also writing within this complaint, a direct and official request for information from XXXX XXXX XXXX regarding the original contract of the debt that they collected. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX XXXX fails to verify the debt, I dispute the reporting of this debt and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX XXXX can verify the debt with the above request, I will accept the reporting as accurate.
It is important for XXXX XXXX XXXX to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX XXXX to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX XXXX must provide me with the information that is used to calculate my credit score.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of XXXX XXXX XXXX. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold XXXX XXXX XXXX accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting anticipated out of this complaint. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
Sincerely, XXXX XXXX
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02/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Equifax Office of Consumer Affairs is doing it again. It has blocked my credit file Additional Equifax Office of Consumer affairs place a security freeze without my authorization.
To make the issue worse I am in the process of refinancing my current mortgage loan and they have made impossible Equifax Office of Consumer Affairs have done this to my credit file in XXXX and it lasted almost 2 years until the first month of XXXX Finally one day I was able to view my file anytime I wanted, I need it with any method I may wish it is my right and they are having fun -As it all this is a game.
They are doing this again. It is much worse when trying to ask the please realize my file so that the lender can view my file. They did nothing so whats going to be now.
This need to stop one way or another this abuse have to end please I need CPFB to conduct and investigation into this. I bad is they are back with credit freezes from free reports online : Plain Dealing It seen that Equifax Office of consumer Affairs is not understanding that as a consumers I have a right to order my free annual credit report online or by phone, but Equifax Office of Consumer Affairs is doing it again makes that tough, if not impossible, as a consumers to which I am trying to protect myself from identity thieves by having access and constant monitoring of my credit file It has come also to my attention until last month, Equifax barred consumers who placed security freezes on their credit reports from viewing their credit reports online. The company continues to bar those consumers from ordering their reports by phone and now again I am back on their mercy Us consumers use credit freezes to protect themselves from identity theft. With a freeze, one can lock down the credit files and unlock it by using a PIN, effectively blocking identity thieves from being able to open credit lines with on my credit file.
In XXXX, I stated the process of refinancing my current home mortgage loan, in the process I tried to access my Equifax report online to which I have paid a full year of membership online to which now I cant use and this was paid ahead.
When finally I was able to talk to then the Office of Consumer Affairs office since they afre keeping my file the credit bureau told me when I ask why there is a security frezze to which I can not control, their respond was because of the freeze, I would have to request my report by mail and include a copy of my Social Security card and the PIN I uses to freeze not having done this no credit report -- in short, everything an identity thief would need to open credit lines in his name. To clear this I have provided countless of time my id social security I lost count The process seemed so onerous that I am torn between forgoing checking my credit report or let then rule agains my file for no any reason.
I also I told then that the lender need to review my file and they refuse to do anything, if they did nothing or control my file I would have move on with the refinancing but no this has not happen since some lender need to see all 3 credit bureau This problem is unique to Equifax. Only then are doing this The three credit bureaus they share a centralized service for processing consumers ' free credit report requests, but XXXX and XXXX both allow consumers to look at their reports online instantly or to order the reports by phone, regardless of whether they have placed freezes on their reports why Equifax does not fallow their partners, or is it they so XXXX or have any clue what is irt they are doing wrong and to whom Is well know now that Equifax routinely blocked consumers who placed freezes from getting free credit reports online and by phone is this so out of contest and so bad and this is how I am asking for your assistance to have this stop I am a California resident its and the law in place give us the right to freeze our credit reports in the fall of XXXX. More than three dozen states granted their residents freezes even earlier.
" To honor us the consumers ' when we requests for additional protection prior to the release of a file .Equifax has prevented online access for anyone seeking to gain access to a frozen file '' there is plenty of article online about this issue.
I have also documented and have record of Equifax has adjusted the online system to make this imposible But Equifax when ask when will they stop doing this to consumer it doesn't know when, or if, it will allow consumers with freezes to place phone orders for their reports.
I like to refresh their memory that the Federal law gives consumers the right to view copies of our credit reports at no charge once every 12 months. The Fair Credit Reporting Act and a companion law, the Fair and Accurate Credit Transaction Act, require the bureaus to allow consumers to request credit reports in writing, online or through a toll-free phone number or however we may wish The choice of what method to use to order is supposed to be for us the consumer 's -- and the law makes it clear it's supposed to be a single-step process.
Online is the fastest way to look a credit report, with phone orders a speedy second for people who don't have computer access or who want a hard copy of their credit report without burning through their printer. ( The bureaus will truncate your Social Security number when they send the report. ) Typically, us the consumers will receive a copy of our credit reports within days of ordering by phone.
Credit bureaus can request additional information if they can't verify a consumer 's identity, but unlike its competitors, Equifax routinely denied online and phone access to all consumers who put a security freeze on their reports and this need to be investigate.
" It is obvious they are doing this to discourage people from freezing on our own term our credit file Is not then who made the decision It's important for me to occasionally and often to check my credit reports for accuracy. Companies often look at credit reports when they're deciding whom to hire or promote.
Insurers and lenders look at credit reports when they're deciding how much to charge you -- or whether to do business with you at all. You have three credit reports, but they aren't identical -- and companies doing a credit check may look at only one bureau 's report. Because credit reporting mistakes are common, and costly, it's a good idea for consumers to check all three of their credit reports -- freeze or no. So please Office of Consumer Affairs unblock my credit file and stop acting in bad fate stop The Federal Trade Commission is supposed to enforce both the Fair Credit Reporting Act and the FACT Act. I am beginning to question more now if Equifax really give a damm and they dont shame on all of them The botton line and the law is clear " Once you freeze your credit, you're supposed to be able to access it, '' A freeze is not supposed to impede to any consumer the ability to get a free credit report or have lender or who have the need to view your file for and for varius porpose is the law Equifax get it The law is clear, credit bureaus must lift a freeze within 15 minutes of receiving a consumer 's request online, in writing or by phone. And I am now very concern that this time around I have not been able to get fast access to my own reports.
I demand for you unblock my credit file you need to act and do as you are required or else I will start a lawsuit again your company is your turn to do something about it
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07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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FTC filed these accounts are not my obligation XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$550.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$550.00} {$550.00} Payment Info Original balance {$550.00} Balance {$550.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX XXXX Original creditor : XXXX {$1600.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1600.00} {$1600.00} Payment Info Original balance {$1600.00} Balance {$1600.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, MA02062 ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX Original creditor : XXXX XXXX. XXXX. XXXX {$650.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$650.00} {$650.00} Payment Info Original balance {$650.00} Balance {$650.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, MDXXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX.
{$340.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$340.00} {$340.00} Payment Info Original balance {$340.00} Balance {$340.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX.
{$560.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$560.00} {$560.00} Payment Info Original balance {$560.00} Balance {$560.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account When your account is in collections, consider these options : Verifying the debt You can ask for a debt validation and verification letter confirming details of the debt. Consider keeping copies of written communication with the debt collector for your records.
You have 16 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX By Mail Only Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX violate my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
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02/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX, I sent Equifax a letter CERTIFIED MAIL in regards to erroneous hard inquiries on my credit. Today I received a letter stating that the inquiries are factual and that I need to contact the creditor to get them resolved. This is a clear violation of FCRA Per FCRA section 609, 605 and via 623 XXXX who is assumed as the credit reporting agency MUST provide proof IN WRITING and provide consent to the inquiries that I have requested to be removed. I know that there is no such proof. IF this inquiries are not researched as prescribed by law and removed as they should be I am seeking the CFPB help me document this information and escalate if needed, so I can collect for breach of FCRA and collect for any damages assumed to my person resulting in higher rates. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt. Being that I already sent in my request also certified mail, per FCRA I am looking to get a response on this fairly quicker than the initial 30 days. Please find the inquiries below : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Creditor : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
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04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The XXXX code is XXXX.
XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XXXX, disabled both my access to e-statements and stopped sending paper statements. This is acknowledged in XXXX XX/XX/XXXX response to my billing error notification sent on or around XXXX XX/XX/XXXX, by XXXX XXXX XXXX associate XXXX XXXX. In that e-mail XXXX explains the system automatically took this action. The access was allegedly re-enabled, but had been disabled again by early XX/XX/XXXX. Therefore, I did not receive statements for periods from the onset in XX/XX/XXXX thru present. XXXX was given the statutory two ( 2 ) full billing cycle periods to correct the billing errors. When the XX/XX/XXXX billing statement did not arrive, I notified XXXX again on XXXX XX/XX/XXXX. XXXX XXXX responded again acknowledging the error and stated I would have no further online access as my online banking access was now locked. In a XXXX XX/XX/XXXX follow-up, I asked XXXX if XXXX could confirm I was receiving paper statements. I received no response.
My accounts were reported by XXXX to the CRAs on or around XXXX XX/XX/XXXX as charged-off.
I filed at least two ( 2 ) billing error notices, apprising UMCU that I was not receiving statements and was unable to retrieve them via the banking portal. XXXX acknowledged this in two ( 2 ) different responses, but has not been able to rectify the situation.
It is the unlawful for XXXX to report derogatory information to he CRAs regarding my accounts for the period beginning XXXX XX/XX/XXXX thru present because a billing error notice was sent to XXXX.
Thus, the derogatory information for accounts must be removed from my credit report and/or the account/tradelines and associated information must be expunged.
ISSUES IN DETAIL I. XXXX FAILED TO PROVIDE PERIODIC STATEMENTS IN COMPLIANCE WITH REGULATION Z The accounts with for which XXXX has continued to report delinquent history and subsequently charged-off are open-ended accounts. Billing cycle regulations are governed by Regulation Z, 12 CFR Part 1026.2, which requires the minimum duration between statement generation date and statement due date be twenty-one ( 21 ) days. Moreover, Regulation requires that the date on which a payment is due may not vary by more than four ( 4 ) days.
Simply put, I have received XXXX ( XXXX ) statements since XX/XX/XXXX. This is something XXXX acknowledged per the reply of XXXX XXXX on or around XXXX XX/XX/XXXX.
XXXX. XXXX FAILED TO CONDUCT BILLING ERROR INVESTIGATIONS AND FIX BILLING ISSUES 12 CFR Part 1026.13 outlines the actions that a financial services institution must take when it receives a billing error notice and prohibits certain actions from taking place upon receipt of that notice. XXXX initially responded to my XXXX billing error notice on or around XXXX XX/XX/XXXX. XXXX XXXX informed the steps he'd taken to allegedly correct the error, but did mention the system was automatically preventing me from accessing my accounts online. I notified XXXX XXXX of the same issue again around XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX XXXX again acknowledged the system was disabling the access due to the status of my accounts and would be permanently disabled thereafter. I asked XXXX to then confirm that XXXX system was mailing my statements because i had not received any statements between XXXX XX/XX/XXXX and XXXX XXXX XXXX. XXXX could not provide me with a statement and instead provided me with a screen-dump lacking the information required on any periodic statement/billing notice compliant with 12 CFR 1026.
At some point, without confirming statements were being mailed, and with XXXX fully aware that I was not able to log into the online system to retrieve paper statements, fully aware that the online system previous indicated I had XXXX ( XXXX ) accounts with XXXX, XXXX charged-off my revolving accounts and reported the adverse history to the CRAs.
Paragraph 13 ( c ) ( 2 ) outlines that XXXX had two ( 2 ) complete billing cycles to conduct its investigation and provide me with a resolution. While XXXX XXXX did inform me on XXXX XX/XX/XXXX that he'd re-enabled both mailing of paper statements and retrieval of online statements, I received no subsequent statements and no follow-up from XXXX regarding XXXX statement delivery issue. The provisions laid out in XXXX ( c ) ( XXXX ) would enable XXXX to make the necessary corrections by the end of XX/XX/XXXX. When I did not receive a statement at the end of XX/XX/XXXX, I contacted XXXX again on or around XXXX XX/XX/XXXX to apprise them of the on-going issue.
Paragraph XXXX ( d ) ( 2 ) of Regulation Z is quite clear in that no creditor or its agent shall directly or indirectly make, or threaten to make, an adverse report to any person about the consumer 's credit standing, or report that an amount is delinquent because the consumer failed to pay the disputed amount or related finance charges. So without resolving the issue since filing my billing error on or around XXXX XX/XX/XXXX, XXXX continued to report my payment status delinquent for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, including the charge-off annotation.
In total, it appears there was never a resolution to the billing error notice initially filed on or around XXXX XX/XX/XXXX. The matter remained unresolved and continues to remain unresolved. XXXX 's solution was then to lock me out of the online banking portal, the portal that stated i had XXXX ( XXXX ) accounts and access to zero ( 0 ) statements. They then acknowledged those actions, provided me with zero ( 0 ) corrected statements and/or explanations, and subsequently charged-off my accounts in violation of Paragraph 3 ( d ) ( 2 ) of Regulation Z.
III. XXXX ENGAGED IN UNFAIR ACTS AND PRACTICES Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). 22. An act or practice is unfair under the CFPA if it : ( a ) causes or is likely to cause consumers substantial injury ; ( b ) such injury is not reasonably avoidable by consumers ; and ( c ) such injury is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ) The delinquent payment history and subsequent charge-offs would be considered unfair practices because XXXX has not provided statements to me on a periodic basis as required by CFPB interpretation of Regulation Z, 12 CFR Part 1062.2 and instead has continued to report my payment history each month as delinquent without sending me a statement.
The decision by XXXX to charge-off my accounts after XXXX XX/XX/XXXX constitutes an unfair practice because the basis of the charge-offs was due to non-payment, for which the non-payment was due to XXXX 's inability and/or unwillingness to ensure received paper statements by mail and/or through their online system.
The adverse credit history reported for the months XX/XX/XXXX through present, and the charge-off status reported for the revolving accounts harms and will continue to harm my ability to finance with in the future. Moreover, as someone who holds or has held security clearances my ability to obtain, maintain, and gain new clearances can be damaged by the reported information, when I have made every attempt to resolve the billing matter with XXXX.
Instead of trying to resolve the issues with their billing systems/practices, XXXX chose to charge off my accounts, in the process violating multiple provisions under both the CFPA and Regulation Z.
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10/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.
This is false because there are a number of inaccuracies on my consumer report that still remain.
1. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX XXXX. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX XXXX. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX XXXX. They have not reported this account since XX/XX/XXXX which is about 3 years now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me.
XXXX XXXX Account Number : XXXX XXXX. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX XXXX. Equifax is reporting the date of the last payment as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of first delinquency is wrong as well as manipulating the statute of limitations.
XXXX Account Number : XXXX XXXX. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX XXXX. This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions solely on the information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so, this account needs to be removed from my consumer report immediately.
XXXX XXXX Account Number : XXXX XXXX. This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions solely on the information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so, this account needs to be removed from my consumer report immediately.
XXXX XXXX Account Number : XXXX XXXX. This can not be a repossession because XXXX has never owned the car in the first place. If I bought this car from a local car dealership, how can they repossess something they have never even owned in the first place? Therefore, it is being reported as inaccurate.
XXXX Account Number : XXXX XXXX. This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions solely on the information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so, this account needs to be removed from my consumer report immediately.
XXXX XXXX Account Number : XXXXXXXX XXXX. Pursuant to 15 usc 1681a ( 2 ) ( B ) transactions authorized by my credit card, and credit card is defined in both FCRA and has the same definition in TILA as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card.
This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information was published on my consumer report for XXXX. This is a violation of the 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.
XXXX Account Number : XXXX XXXX. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX XXXX. Equifax is reporting a monthly payment on a charged-off account. Now, it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case.
XXXX Account Number : XXXX XXXX. They have not reported this account since XX/XX/XXXX which is about a year now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me.
XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).
I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report.
Please delete these items from my consumer report.
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01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX- This is not my Also Known As Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX -This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This is not my employer. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This is not my employer. Delete it immediately from my report.
XXXX. XXXX XXXX Bankruptcy XXXX XXXX : XXXX XXXX XXXX bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report.
XXXX XXXX XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX Account XXXX : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXXXXXX XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX Account XXXX : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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RE : 1.I don't remember being late on this account, please prove this!
XXXXXXXX XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
2.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX Account XXXX Please remove it from my credit report.
3.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
5.The following information is outdated. I would like it removed from my credit history report account number XXXX ... ... ... XXXX XXXX XXXX balance XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX account number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX XXXX Account number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX XXXX Account number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX XXXX Account number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX & account number XXXX XX/XX/XXXX Consumer disputes- reinvestigation in progress, Collection account Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all.
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX Paid account/was a collection account, insurance claim or government claim or was terminated for default Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all.
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX Charge Off/Other Derog Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX XXXX & XX/XX/XXXX account number XXXX 120+ days past due Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXXXXXX XXXX account XXXXXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX 30 days delinquent Account Number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX XX/XX/XXXX Account Number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX Credit Card XXXX XXXX XX/XX/XXXX Account XXXX XXXX XXXX 30 days delinquent Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account Number XXXX XXXX Paid account/was delinquent 60 days past due dat Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all According to my most recent credit report, your company is currently reporting to the XXXX credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry i also will like to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The late payments you have reported to the three credit bureaus.
My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
If you wish to send me documentation that you will remove all derogatory information from this account, that is all I will require.
Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of the statements, as well as, any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late.
Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
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05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
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|
Web |
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Exceptional payment history {$900.00} Balance updated XXXX XXXX, XXXX Account info Account name DEPT OF ED/XXXX Account number XXXX Original creditor - Company sold - Account type Education Date opened XX/XX/XXXX Open/closed Open Status Open/Never late.
Status updated XXXX XXXX Balance {$900.00} Balance updated XXXX XXXX, XXXX Original balance {$860.00} Paid off 0 % Monthly payment {$0.00} Last Payment Date XXXX XXXX, XXXX Terms 240 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Comments payments {$230.00} Balance updated XXXX XXXX, XXXX Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Secured Loan Date opened XX/XX/XXXX Open/closed Open Status Open. {$65.00} past due as of XXXX XXXX.
Status updated XXXX XXXX Balance {$230.00} Balance updated XXXX XXXX, XXXX Original balance {$720.00} Paid off 68 % Monthly payment {$35.00} Last Payment Date XX/XX/XXXX Past due amount {$65.00} Terms 24 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due 30 days 60 Past due 60 days Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX late payments Closed Account XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Secured Loan Date opened XX/XX/XXXX Open/closed Closed Status Paid, Closed.
Status updated XX/XX/XXXX Balance - Balance updated - Original balance {$1000.00} Monthly payment - Last Payment Date XX/XX/XXXX Terms 120 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed 30 Past due 30 days 60 Past due 60 days Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX 39 potentially negative months {$400.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$770.00} written off.
Status updated XX/XX/XXXX Balance {$400.00} Balance updated XXXX XXXX, XXXX Credit limit XXXX XXXX Monthly payment - Last Payment Date XX/XX/XXXX Highest balance {$770.00} Terms - Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD XXXX Current XXXX Terms met XXXX Charge off XXXX No data for this period 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, IL XXXX Phone number By mail only XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$230.00} Closed Account info Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX Company sold - Account type Collection Date opened XX/XX/XXXX Status Collection account. {$230.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$230.00} Balance updated XX/XX/XXXX Original balance $ 236 Monthly payment - Past due amount {$230.00} Terms 1 Month Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection ND No data for this period Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$610.00} Closed Account info Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Company sold - Account type Collection Date opened XX/XX/XXXX Status Collection account. {$610.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$610.00} Balance updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment - Last Payment Date XXXX XXXX, XXXX Past due amount {$610.00} Terms 1 Month Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX ALSO XXXX XXXX XXXX GENERATIONAL IDENTIFIER - YEAR OF BIRTH XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX - PERSONAL STATEMENTS NO STATEMENT ( S ) PRESENT AT THIS TIME Balance {$900.00} Balance updated XXXX XXXX, XXXX Original balance {$860.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Back XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX details 25 % paid off Balance {$610.00} Balance updated XX/XX/XXXX Original balance {$810.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open Account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display.
Comments COLLECTION ACCOUNT Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone XXXX XXXX XXXX ALSO KNOWN AS - GENERATIONAL IDENTIFIER - YEAR OF BIRTH XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX PERSONAL STATEMENTS NO STATEMENT ( XXXX ) PRESENT AT THIS TIME Balance {$980.00} Balance updated XX/XX/XXXX Original balance {$1200.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$1200.00} Monthly payment {$170.00} Additional info Responsibility Individual account Terms 18 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
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04/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On my credit report there are hard inquires that I did not authorize.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Date :XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXExplanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXXExplanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date :XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : Date : Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
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04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is a not a duplicate complaint and I'm not using any third party for this matter. I know my rights very well. The accounts that are being disputed, do not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that this account was fraudulently opened, and they have known this for several months. XXXX Credit Bureau and Equifax Credit Bureau have been cooperative and have removed the account, but XXXX has refused to remove the fraudulent account. Therefore, I have come to you to resolve these issues. The law says that you must block this account while being investigated, and I expect that you will do so. Policy states According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Accounts name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address. And I'm excepting from you to remove these accounts immediately.
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12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX has altered and copied the promisarry note I signed and issued to XXXX XXXX mortgage XXXX the original note has been negotiated and destroyed XXXX XXXX XXXX is altering and coping forgeries of my original note I did not issue this note to XXXX XXXX XXXX and this note was not assigned to them they have forgitge and seize my property based on a counterfeit note that have no authority to claim ownership of negotiation or trade on Update Banks Can't Own Property CASE LAW Official source for United States laws is the Statue at Large and the United States Code is only prima facie evidence of such laws. Royers Inc. v United States Statue at Large are Legal evidence of laws contained therein and are accepted proof of these laws in any court of the United States. Bear v United States ( 1985 DC Neb ) 611 Unless Congress affirmatively enacts title of United States Code into law, title is only prima facie evidence of law. Preston v Heckler ( 1984 CA9 Alaska ) 734 F2d, 1359, 34CCH FPD34433, later proceeding ( 1984 DC Alaska ) 596 F Supp 1158 Where title has not been enacted into positive law, title is only prima facie or rebuttable evidence of law, and if construction is necessary, recourse may be had to original statue National banking corporations are agencies or instruments of the general government, designed to aid in the administration of a important branch of the public service, and are an appropriate constitutional means to that end. Pollard v State, Ala 1880, 65 Ala 628 See, also, Tarrant v. Bessemer Nat Bank 1913, 61 So 47,7 Ala App 285 A national bank can not lend its credit or become the guarantor of the obligation of another unless it owns or has an interest in the obligation guaranteed especially where it receives no benefits therefrom. Citizens Nat Bank of Cameron v Good Roads Gravel Co. Tex Civ App . 1921 236 SW 153 dismissed w.o.j A national bank has no power to guarantee the performance of a contract made for the sole benefit of another. First National Bank v Crespi & Co.Tex Civ App 1920 217 SW 705 National banks have no power to negotiate loans for others. Pollock v Lumbermans Nat Bank of Portland Or 1917 168 P 616 86 Or 324 A national bank can not act as a broker in lending its depositors money to third persons. Byron v First Nat Bank of Roseburg, Or 195 146 P 516 75 Or 296 A national bank is not authorized to act as a broker in loaning the money of others. Grow v Cockrill, Ark. 1897, 39 S W 60, 63 Ark 418. See, also, Keyser v Hitz Dist of Col 1883 2 Mackey 513 Officers of a national bank in handling its funds are acting in a fiduciary capacity, and can not make loans and furnish money contrary to law or in such improvident manner as to imperil its funds. First Nat Bank v Humphreys Okla 1917 168 P 410, 66 Okla 186 Representations made by bank president to proposed surety as to borrowers assets, in connection with proposed loan by bank, held binding on the bank. Young v Goetting, CCA. 5 ( Tex ) 1926, 16 F 2d 248 Bank is liable for its vice presidents participation in scheme to defraud depositor by facilitating prompt withdrawal of his money. National City Bank v Carter CCA6 ( Tenn ) 1926 F2d 940 Wheeler v Sohmer, Comptroller of the State of New York Promissory notes are only evidences of debt not debt themselves!
12 USC 3754 59 CJS 2 Mortgages Definitions The literal meaning of the word mortgage is dead pledge a mortuum vadium. The term mortgage may be employed as meaning the debt secured by the mortgage, but in its true sense an ordinary mortgage is not a debt as the debt is the principle obligation, and the mortgage is generally regarded as merely an incident or accessory to the debt. A mortgage is an interest in the land created by a written instrument providing security for the performance of a duty or payment of debt and is usually evidenced by a note.
Where did the money come from that they say is owed?
How does the bank have a right to say that theres an obligation?
References : Caddy v Cortide NY Testy v Collons Baker v Citizen State Bank of Louis Park US v Stanley Corbin on Contracts ( void contracts ) Statue of Frauds Contract Cases Nothing can be more material to the obligation than the means of enforcement, without the remedy the contract may indeed, in the sense of law may be said to not exist. And its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual the ideas of validity and remedy are inseparable and both are parts of the obligation which is guaranteed by the Constitution against invasion. The obligation of a contract is the law which binds the parties to perform their agreementRed Cross Line v Atlantic Fruit Company 264 US 109 L Ed 582, 44 S. Ct. February 18, 1924 It is essential to the creation of a contract that there be a mutual or reciprocal assent. Sanford v Abrams ( 1888 ) 24 Fl 181, So. 373. Ross v Savage ( 1913 ) 66 Fl 106, 63 So.
148 ; Mc Cay v Sever ( 1929 ) 98 Fla 710, 24 So. 44 ; United State Rubber Products , Inc. v Clark ( 1941 ) 145 Fla 631, 200 So. 385, Mann v Thompson ( 1958 ) Fla. App D1 100 So. 2d 634 That the assent be to a certain and definite proposition. Fincher v Belk-Sawyer Co. ( 1961 ) Fla App D3 127 So. 2d 130. Goff v Indian Lake Estates, Inv. ( 1965 Fla. App D2 ) 178 So.2d 910, Hewitt v Price ( 1969 , Fla App D3 ) 222 So. 2d 247 Without a meeting of the minds of the parties on an essential element, there can be no enforceable contract Hettenbaugh v Keyes Ozon Fincher Ins. Inc. 1962 Fla App D3 ) 147 So. 2d 328, Goff v Indian Lake Estates , Inc. ( 1965 Fla App D2 ) 178 So. 2d 910 What are the elements? What is it? What does it do? How does it perform? Whats going to happen later? Can it be used later? Was that fully disclosed? Each and every element there has to be a meeting of the minds! UCC In order to form a contract, the parties must have a distinct understanding, common to both, and without doubt or difference. Unless all understand alike, there can be no assent, and therefore no contract. Webster Lumber Co v Lincoln ( 1927 ) 94 Fla1097, 115 So. 498, Minskys Follies of Florida, Inc. v Sennes ( 1953 206 F2d 1 Oneil Corporate Trustees , Inc. ( 1967 ) 376 F2d 818.
Until the terms of the agreement have received the assent of both parties, the negotiation is open and imposes no obligation on either. Goff v Indian lake Estates Inc. ( 1965 Fla App D2 ) 178 So. 2d 910. Car v Duvall ( 1840 ) 39 US 77, 10 L. Ed 361 The assent of each party must be freely given ; a contract entered into as a result of the exercise of duress or undue influence by the other party, or procured by the fraud of one of the parties, lacks the essential element of real assent and maybe avoided by the injured party. Wall v Bureau of Lathing and Plastering ( 1960 Fla App D3 ) 117 So. 2d 767.
An actual assent by the parties upon exactly the same matters is indispensable to the formation of the contract. Bullock v Hardwick ( 1947 ) 158 Fla 834, 30 So. 2d 539 : Hettenbaugh v. Keyes Ozon-Fincher Ins. Inc. 1962 Fla App D3 ) 147 So 2d 328 General Finance Corp v Stratton 1963 Fla App D1, 156 So 2d 884 Title 12 Chap 171841 and 1813 CFR 6000 FDIC-Bank Holding Company Act 12 CFR 25,12 BANKS AND BANKING, Sec. 25.12 Definitions 12 USC Chap 3 Subchap 1 Sec. 222 ; 1811 and 501a ; 21 Title 62 Revised Statues Until the terms of the agreement have received the assent 15 U.S. Code 1692e 15 U.S. Code 1692f 15 U.S. Code 1692g hjr 192 public law 73-10
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02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
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I am XXXX and have legally changed my name. Equifax is the only one of the three major credit bureaus who has failed to adequately update my name in their system, making it impossible for me to access my credit report since at least as early as XX/XX/XXXX. This situation has forced me to call Equifax many times, whose phone representatives usually misgender me and even laugh at me while doing it, making it unbearable and fruitless to keep calling. I need to be able to access my credit report, and I should be able to call Equifax when I need to without being callously demeaned.
On XX/XX/XXXX I was unable to access my credit report through XXXX or the Equifax website. XXXX displayed the message, XXXX XXXX XXXX. On XX/XX/XXXX, I called Equifax and then filed a dispute through my Equifax online account, attaching my updated drivers license and social security card per that days phone representatives specific advice. I kept checking the dispute status on the website, which said it was under investigation through at least XX/XX/XXXX. On XX/XX/XXXX, I noticed the website claimed the dispute had been Completed XX/XX/XXXX but the website still showed my deadname, not the name I verified in my dispute. When I attempted to access my credit report on XXXX the Equifax portion displayed the message, Based on the information provided, we are unable to verify your identity. I have attached screenshots to this complaint of these dispute statuses and my attempt to access my credit report on XX/XX/XXXX.
On XX/XX/XXXX, the problem was still not fixed so I called Equifax again. The representative misgendered me many times throughout the call, despite immediately introducing myself as XXXX XXXX XXXX. The representative confirmed that Equifax had received my documents and attempted to update my account. They then informed me they required me to either fax or physically mail my name change court order to their dispute department and wait at least another 30 days.
On XX/XX/XXXX, I again called Equifax, introduced myself as XXXX XXXX XXXX, and the representative immediately proceeded to misgender me, repeatedly. I asked to speak with their XXXX and they ignored me, continuing to misgender me. Eventually, they transferred to another representative who did not misgender me, confirmed that I had submitted my name change court order XX/XX/XXXX, and said they needed to place me on hold while they reviewed my account. A machine cut into my hold and surveyed me on how difficult it was to get the help I needed today, and whether I would hire the representative I had just spoken with, if I ran a customer service company. I called back. The new representative proceeded to misgender me repeatedly. When I asked to speak with a XXXX, I was placed back at the very beginning of the call queue to re-verify my identity for the machine. Seventeen minutes later another representative answers, who proceeds to misgender me repeatedly but is the first Equifax representative to actually apologize, correct themself, and call me sir going forward. They confirm that Equifax has all the documents they require of me, and updates my first and then last name on my website account so that at my user information on my online portal would be correct, providing a confirmation number and telling me I would receive authentication directions in regular mail once its completed in 72 hours. The user information was indeed changed to display correctly for me. After the call, I saw two new disputes on my account dated XX/XX/XXXX. Apparently the representative who sent me to survey while on hold opened and then simply closed a dispute.
XX/XX/XXXX, I was still unable to access my credit report on annualcreditreport.com. My other XXXX credit reports display and print successfully, but Equifax never loads and just shows a blank screen with the annualcreditreport.com header which I am able to use to navigate to the next credit report without ever seeing or printing my report from Equifax. If I try to navigate back through the menus to access it again, I am shown a message saying Report already received, or XXXX experienced an issue processing your request.
XX/XX/XXXX I am still unable to access my Equifax credit report on annualcreditreport.com. My.Equifax.com still shows my dead name and when I attempt to access my credit report, the website displays no error code, just the message We are temporarily unable to complete this request. Please try again later.
On XX/XX/XXXX, I make myself call Equifax again. I introduce myself as XXXX XXXX XXXX but the representative proceeds to misgender me. They apologize when I correct them but continue to alternate between calling me sir and misgendering me throughout the call. They enrolled me in a service called Equifax XXXX XXXX with access to XXXX XXXX to see what happened when I tried to access my credit score through my.Equifax.com, which gave me the error code Out of XXXX under the same message, We are temporarily unable to provide your credit score. Please try again later. After a hold, the representative told me they escalated through their technical department who would look further into why I my.Equifax.com would not show me my credit report or credit score, fix the issue on my Equifax account, and notify me by email once its been resolved. I asked the representative to add a note for the technical department informing them of the problem also occurring on annualcreditreport.com but the representative told me Equifax does not have control over that website. I was able to convince the representative to at least tell me that they would add that information to the statement for the technical department. I also asked them to look carefully through the system, confirm that all required documents are connected to my account, and to check that my name is correct in all places they could see. They confirmed both, and offered to mail me a paper copy of my credit report. When I received the paper copy, my correct name was on the credit report but was wrapped in a cover sheet with my dead name on the address displayed through the envelope window which indicated that Equifax clearly has failed to update my name in all places in their system.
On XX/XX/XXXX, my.Equifax.com displays the following message when I log into my account : Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). Hoping that a next step can be taken toward fixing my account, I follow the instructions and call Equifax. I introduce myself as XXXX XXXX XXXX and the representative proceeds to misgender me repeatedly, interrupting me to misgender me again in the middle of me correcting them, over and over rather than listening to me. They eventually slowed down, apologized, called me sir, and proceeded to speak with me in a very strained voice while asking me to verify my identity not only through the usual questions but also by making me read back a one-time passcode they sent me. The representative told me the same thing that the one on XX/XX/XXXX had - that they were going to escalate the case and I would receive an email when it was resolved.
I have not contacted Equifax since XX/XX/XXXX because it is traumatic and does solve my problem of being unable to access my credit report. As of today, the problem persists on both annualcreditreport.com and my.Equifax.com.
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05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. )
Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
|
10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Ss # XXXX XX/XX/2023 NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is, because from the looks of my credit report and all the errors I see, heres my breakdown : 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act : Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate.
They are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asaP Your improper procedures are highly damaging to my credit score.
3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account number : XXXX XXXX Account number : XXXX Validate/inaccurate reported late payments.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, D.C. XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
|
01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
XXXX. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
To Whom It May Concern,
I am filing this formal complaint as a victim of the widely publicized Equifax data breach. I have been directly affected, as evidenced by the attached Equifax communication confirming the breachs impact on my personal information.
As a result of this breach, multiple unauthorized and erroneous entries have appeared on my credit report, which I believe have been sold and bought illegally. These negative accounts are as follows:
XXXX XXXX
Open options
XXXX Late Payment History
XXXX Late Payment History
CO
90
60
30
OK
OK
OK
OK
Equifax Late Payment History
90
60
30
OK
OK
OK
OK
OK
Account #:
XXXX
Add a custom Message
Last Reported on:
XX/XX/XXXX
Date of Last Activity:
XX/XX/XXXX
XXXX
XXXX
Equifax
Payment Status:
Collection/Chargeoff
Account Rating:
Creditor Type:
Credit Card
Account Status:
Derogatory
Show More
Dispute Account:
All Bureaus
XXXX XXXX
Equifax
XXXX XXXX
Open options
XXXX Late Payment History
XXXX Late Payment History
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
150
120
90
60
30
OK
OK
OK
OK
OK
OK
OK
Equifax Late Payment History
Account #:
XXXX
Add a custom Message
Last Reported on:
XX/XX/XXXX
Date of Last Activity:
XX/XX/XXXX
XXXX XXXX
Equifax
Payment Status:
Collection/Chargeoff
Account Rating:
Creditor Type:
Credit Card
Account Status:
Derogatory
Balance Owed:
XXXX
Date Opened:
XX/XX/XXXX
High Balance:
XXXX
Closed Date:
Account Description:
Individual
Dispute Status:
Creditor Remarks:
Charged off as bad debt Dispute resolved; reported by grantor
Payment Amount:
XXXX
Last Payment:
XX/XX/XXXX
Term Length:
XXXX
Past Due Amount:
XXXX
Account Type:
Revolving
Payment Frequency:
Credit Limit:
XXXX
Date of Last Activity:
XX/XX/XXXX
Date Reported:
XX/XX/XXXX
XXXX XXXX XXXX
Open options
XXXX Late Payment History
XXXX Late Payment History
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
RF
RF
CO
CO
CO
CO
90
90
60
30
OK
OK
Equifax Late Payment History
Account #:
XXXX
Add a custom Message
Last Reported on:
XX/XX/XXXX
Date of Last Activity:
XX/XX/XXXX
XXXX XXXX
Equifax
Payment Status:
Collection/Chargeoff
Account Rating:
Creditor Type:
Auto Loan
Account Status:
Derogatory
Balance Owed:
XXXX
Date Opened:
XX/XX/XXXX
High Balance:
XXXX
Closed Date:
Account Description:
Individual
Dispute Status:
Creditor Remarks:
Charged off as bad debt Dispute resolved; reported by grantor
Payment Amount:
XXXX
Last Payment:
XX/XX/XXXX
Term Length:
72
Past Due Amount:
XXXX
Account Type:
Installment
Payment Frequency:
Credit Limit:
XXXX
Date of Last Activity:
XX/XX/XXXX
Date Reported:
XX/XX/XXXX
Last Verified:
XXXX XXXX XXXX
Open options
XXXX Late Payment History
XXXX Late Payment History
CO
CO
CO
CO
CO
CO
CO
CO
RF
RF
CO
CO
CO
CO
CO
CO
90
60
30
30
OK
OK
OK
OK
Equifax Late Payment History
Account #:
XXXX
Add a custom Message
Last Reported on:
XX/XX/XXXX
Date of Last Activity:
XX/XX/XXXX
XXXX XXXX
Equifax
Payment Status:
Collection/Chargeoff
Account Rating:
Creditor Type:
Auto Loan
Account Status:
Derogatory
Balance Owed:
XXXX
Date Opened:
XX/XX/XXXX
High Balance:
XXXX
Closed Date:
Account Description:
Individual
Dispute Status:
Creditor Remarks:
Charged off as bad debt Dispute resolved; reported by grantor
Payment Amount:
XXXX
Last Payment:
XX/XX/XXXX
Term Length:
XXXX Past Due Amount:
XXXX
Account Type:
Installment
Payment Frequency:
Credit Limit:
XXXX
Date of Last Activity:
XX/XX/XXXX
Date Reported:
XX/XX/XXXX
Last Verified:
XXXX XXXX
Open options
XXXX Late Payment History
XXXX Late Payment History
CO
CO
CO
150
120
90
60
30
OK
OK
150
120
90
60
30
OK
OK
OK
OK
OK
OK
OK
OK
Equifax Late Payment History
Account #:
XXXX
Add a custom Message
Last Reported on:
XX/XX/XXXX
Date of Last Activity:
XX/XX/XXXX
XXXX XXXX
Equifax
Payment Status:
Collection/Chargeoff
Account Rating:
Creditor Type:
Credit Card
Account Status:
Derogatory
Balance Owed:
XXXX
Date Opened:
XX/XX/XXXX
High Balance:
XXXX
Closed Date:
Account Description:
Individual
Dispute Status:
Creditor Remarks:
Charged off as bad debt Dispute resolved; reported by grantor
Payment Amount:
XXXX
Last Payment:
XX/XX/XXXX
Term Length:
XXXX
Past Due Amount:
XXXX
Account Type:
Revolving
Payment Frequency:
Credit Limit:
XXXX
Date of Last Activity:
XX/XX/XXXX
Date Reported:
XX/XX/XXXX
Last Verified:
XXXX XXXX
Open options
XXXX Late Payment History
XXXX Late Payment History
CO
CO
CO
150
120
90
60
OK
OK
150
120
60
30
OK
OK
OK
OK
OK
OK
OK
OK
OK
Equifax Late Payment History
Account #:
XXXX
Add a custom Message
Last Reported on:
XX/XX/XXXX
Date of Last Activity:
XX/XX/XXXX
XXXX XXXX
Equifax
Payment Status:
Collection/Chargeoff
Account Rating:
Creditor Type:
Credit Card
Account Status:
Derogatory
Balance Owed:
XXXX
Date Opened:
XX/XX/XXXX
High Balance:
XXXX
Closed Date:
Account Description:
Individual
Dispute Status:
Creditor Remarks:
Charged off as bad debt Dispute resolved; reported by grantor
Payment Amount:
XXXX
Last Payment:
XX/XX/XXXX
Term Length:
XXXX
Past Due Amount:
XXXX
Account Type:
Revolving
Payment Frequency:
Credit Limit:
XXXX
Date of Last Activity:
XX/XX/XXXX
Date Reported:
XX/XX/XXXX
Last Verified:
XXXX XXXX XXXX
Open options
XXXX Late Payment History
XXXX Late Payment History
CO
CO
Equifax Late Payment History
Account #:
XXXX
Add a custom Message
Last Reported on:
XX/XX/XXXX
Date of Last Activity:
XX/XX/XXXX
XXXX XXXX
Equifax
Payment Status:
Collection/Chargeoff
Account Rating:
Creditor Type:
Unknown - credit extension, review, or collection
Account Status:
Derogatory
Balance Owed:
XXXX
Date Opened:
XX/XX/XXXX
High Balance:
XXXX
Closed Date:
Account Description:
Individual
Dispute Status:
Creditor Remarks:
Customer disputed account - reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department.
Payment Amount:
XXXX
Last Payment:
-
Term Length:
XXXX
Past Due Amount:
XXXX
Account Type:
Open Account
Payment Frequency:
Credit Limit:
XXXX
Date of Last Activity:
XX/XX/XXXX
Date Reported:
XX/XX/XXXX
Last Verified:
In the aftermath of the breach, I have spent significant time and resources attempting to correct my credit report, including:
Calling Equifax repeatedly to dispute errors;
Drafting and mailing dispute letters;
Examining credit reports for inaccuracies;
Visiting the post office to send communications;
Engaging in certified mail transactions for legal proof of dispatch and receipt.
Under the Fair Credit Reporting Act (FCRA), I have the right to dispute inaccurate information on my credit report and request a detailed investigation. Equifaxs acknowledgment of the data breach incident, which led to the exposure of my sensitive personal data, substantiates the invalidity of the accounts listed.
I am seeking the Consumer Financial Protection Bureaus assistance in ensuring that these inaccuracies are investigated and that the wrongful accounts are deleted from my credit report promptly.
I am requesting that the CFPB facilitate the following actions:
1. An immediate and thorough investigation into the disputed accounts.
2. Engagement with Equifax to ensure the deletion of these inaccuracies.
3. Confirmation of the removal of all erroneous entries from my credit report.
Enclosed are all the relevant documents, including proof of the data breach acknowledgment from Equifax and records of my efforts to remedy this situation.
Thank you for your attention to this serious matter. I am looking forward to a resolution that rectifies the damages I have suffered due to this data breach.
|
01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX ( Partial account number : XXXX ), for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I asked this credit reporting company to investigate this report and they also failed to do an actual investigation. I hope that this time the request for information in this complaint will resolve any inaccuracies when submitted. The Fair Credit Reporting Act ( FCRA ) requires that collection companies provide validation and verification of debt before collecting on it. Specifically, Section 609 ( a ) of the FCRA requires that a consumer reporting agency ( CRA ) such as a collections company provide a consumer with such information upon request. I requested validation and verification of the debt they collected and never received it. In this complaint, because my request was never responded to, again, I am officially requesting validation and verification of the debt that was collected by XXXX XXXX XXXX.
Detailed Request for validation of the debt : I am requesting a validation of the debt that was collected by XXXX XXXX XXXX along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. TILA addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX XXXX assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt was valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector had the legal right to collect on the debt, including the signed terms between the creditor and collector ( XXXX XXXX XXXX ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector ( XXXX XXXX XXXX ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ). I request XXXX XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX XXXX fails to validate the debt, I dispute the reporting of this debt, and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX XXXX can validate the debt with the above request, I will accept the reporting as accurate.
Detailed Request for verification of the debt : I am also writing within this complaint, a direct and official request for information from XXXX XXXX XXXX regarding the original contract of the debt that they collected. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX XXXX fails to verify the debt, I dispute the reporting of this debt and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX XXXX can verify the debt with the above request, I will accept the reporting as accurate.
It is important for XXXX XXXX INVESTMENTS to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX INVESTMENTS to comply with these requests XXXX result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX XXXX must provide me with the information that is used to calculate my credit score.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of XXXX XXXX XXXX. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold XXXX XXXX XXXX accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting anticipated out of this complaint. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
Sincerely, XXXX XXXX
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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03/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
I keep getting fraudulent accounts opened, from previous accounts that were already deleted and removed from my report. You have been supplied with multiple official documents form the FTA, FCRA, police department, IC3, State Attorney Generals, and the CFPB. Those documents are in your system, and it has been confirmed, through many employees. Information on my account, even after you had the evidence and you continued to post knowingly fraudulent information. I've asked for copies of original contract with my signature, payment history, and all documents. As well, as a written statement of how you verified the validity of the debts. The creditors can't supply me with any information, as well as your supposed investigation team, that doesn't investigate. They can't give me any documents because they don't exist. Remove, delete, and block those accounts. I've given several 30-day notices and now I'm only giving 5 days because you have supplied inaccurate information to companies requesting my credit report. You also lied to the CFPB, stating all the accounts in question were deleted, and they never were. I'm now seeking civil and punitive damages, pain and suffering, and all the high interest rates I've paid over the years due to your inaccurate/fraudulent information, and not following procedures, protocal, and regulations when dealing with a consumer, that is a victim of identity theft. You refused to block the accounts, as procedures stated by the FTC, FCRA, and other government departments, when your made aware the account is identity theft, and fraud. None of this was done. The remaining accounts you stated that was removed off my report as well as the other fraudulent accounts on my phone well as And you verified that the accounts were removed, along with others. report still remain. The accounts you did not remove are still showing up, and you continue to report inaccurate information, but lied to a Federal Agency and to myself. " Equifax response dated XX/XX/XXXX states, The Results of Our Reinvestigation : We have reviewed your concerns and our conclusions are : The disputed inquiries XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX are currently not reporting on the Equifax credit file. The additional disputed items are currently not reporting on the Equifax credit file.
If you claim you deleted them all, more than half are still on my report, therefore you lied, and I have a paper trail, to prove it. My report listed all these accounts on the last 3, so in no way can you say, the accounts disputed were removed, and all others were removed, deleted and block.
These accounts with be removed immediately, and blocked from my account, so it can't be sold to another company, trying to extort money from me, from fraudulent accounts posted over and over. 5 day delete, remove, and block, from the previous disputes, you lied about they were removed from my account, as they are listed below.
XXXX XXXX XXXX XXXX - {$17000.00} XXXX- {$13000.00} US and US Dept of Education- XX/XX/XXXX {$7900.00} US Dept of Education- XX/XX/XXXX {$3600.00} US Dept of Education- XX/XX/XXXX {$3300.00} US Dept of Education- XX/XX/XXXX {$2300.00} US Dept of Education-12/20/2001 {$2200.00} FTC reports l : XXXX, XXXX , XXXX XXXX : cybercrime fraud XXXX XXXX XX/XX/XXXX cybercrime fraud Police reports fraud! Identity : XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX 33 variants of XXXX , XXXX XXXX, XXXX/XXXX/XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XX/XX/XXXX {$17000.00} All the XXXX XXXX claims are directly from XXXX, XXXX XXXX, and XXXX. Which were already researched and found fraudulent accounts and all 33 variations were deleted. Now you let another company, buy a fraudulent account, that was deleted, removed, but not block, as per FTC advisement. From the same report supplied by police report, FTC, FCA, State Attorney General, and now the CFPB.
After you lied to myself and the CFPB, Attorney General, FTC, FCRA, and the legal team. You need to rectify your wrong, and stop stating that your sending me letters, removing fraudulent accounts, and post information you know are from identity theft. I have never received a letter or any response from your company.
Equifax states : Thank you for submitting your complaint XX/XX/XXXX, through the CFPB Complaint Portal. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation : We have reviewed your concerns and our conclusions are currently not reporting on the Equifax credit file. The additional disputed items are currently not reporting on the Equifax credit file.
Only removed accounts were : XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. And I played a big role in getting those accounts removed. You never researched, or done anything else for that part.
Violation of FCRA Section 623 ( a ) ( 6 ) if a furnisher learns that it has furnished inaccurate information that a consumer has identified as theft/fraud. CRAs are to inform other bureaus of inaccurate information and those bureaus are only to report the accurate, and complete information. XXXX and XXXX are now in compliance as all negative information was removed from my account. I suggest you contact them as well, so your information is updated immediately. Section 623 ( a ) ( 2 ) Section 605B debt from identity theft/fraud are not to signed contracts, applications, etc. written, original documents ) in ( 5 ) days, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
I am writing to dispute the accounts referenced above. I have disputed this account information as inaccurate with ( credit bureau ), and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself andve been unable to get them to verify that this is indeed my debt.
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
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12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectifying FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am reaching out urgently regarding significant discrepancies found in my credit report that potentially violate the guidelines set by the Fair Credit Reporting Act ( FCRA ). Upon a thorough review of my credit profile, numerous errors have surfaced, prompting concerns about FCRA compliance within your agency.
To elaborate : The Fair Credit Reporting Act is a critical federal statute governing the collection and reporting of consumer credit information, emphasizing accurate data acquisition, retention, and transparent dissemination.
Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies.
Consolidation of individuals ' information by reporting agencies based on name or social security number similarities.
Neglect of prescribed protocols by agencies for managing disputes.
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning matters related to employment.
Receive notification if my information has been used in credit applications or other transactions.
Dispute and request the correction of incomplete, erroneous, or unverifiable data.
Have outdated negative information removed according to FCRA guidelines.
I formally request the immediate removal of the listed items below. These items significantly diverge from FCRA standards due to their inaccuracies, lack of verification, and consistent invalidation. Their presence has caused substantial distress, as demonstrated by my recent denial for extended credit, directly linked to errors originating from your agency.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. BIG XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
I trust in your prompt attention to rectify these violations within the stipulated timeframe mandated by the FCRA. Failure to comply will regrettably necessitate the pursuit of legal action to ensure my rights under the FCRA are fully upheld.
Sincerely, XXXX XXXX
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02/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX, I disputed inaccurate information reporting on my credit report by XXXX. I was notified by the 3 credit reporting agencies, Equifax, XXXX and XXXX that the information was verified. I disagreed with this information, so on XX/XX/XXXX I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes.
Ive also requested procedures in place for the bureaus because they have continually reported inaccurate information, knowingly and willingly. I sent a follow up on XX/XX/XXXX. I wanted to follow-up with the 3 credit reporting agencies, Equifax, XXXX and XXXX. I notified them of the errors with the reporting and made it evident that they were knowingly and willfully reporting inaccurate information. This was my exact reason for my dispute : Please verify this account and It's a shame how you have conducted and supposedly verified this account. The errors are evident as they are inaccurate in more ways than one. When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. Should you deny my request, I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I don't agree with the Credit Limit listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Please confirm the Status Code is also correct. I would like you to provide me with the Metro 2 Format, specifically Base Segment, Field 17A. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Please take my request seriously. You have again confirmed to me in writing that the information reported is in fact accurate. It is now my opinion that you may have mix or mis-merged this file onto my credit report. After my research, I have found that mis-merged files occur largely because the CRAs ' computers do not use sufficiently rigorous score or scale thresholds to match consumer data precisely, even when such unique identifiers as Social Security numbers are present. The nationwide CRAs rely on a match of only seven of nine digits of the SSN ( See Reeves v. Equifax Info. Serv. ) The CFPB has identified mixed files as a particularly challenging problem. I again request that you immediately remove this account from my credit profile. Last month, I requested you to provide me with the " reasonable procedures '' that you have in place, yet you didn't provide anything " specific '' with " first-hand knowledge '' about this reporting. Need I remind you that these procedures are designed to prevent inaccuracies. I've requested this in writing and once again, you have failed me. It is my right to know that you have actually followed YOUR own procedures. ( Rothery v. TransUnion, LLC. ) It's not enough to just have procedures put in place but that the employee also follows the procedures in each and every report they prepare ( See Konter v. CSC Credit Serv., Inc. ). You must not just have reasonable rules, but your employees must strictly follow those internal CRA rules ( Carroll v. Exxon Co. ). The FTC staff indicates that " [ o ] ne of the most significant compliance procedures to assure accuracy will be the training of new personnel and the retraining of current employees from time to time. Even isolated instances or error should be followed up and procedures adjusted in order to correct the cause of the error '' ( FTC, Compliance with the Fair Credit Reporting Act ). Since you have failed yet again, I implore you to do the right thing and remove this from my credit report.
On XX/XX/XXXX, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what XXXX is reporting. I notified them that the information is inaccurate and unable to be verified per my request.
I sent my initial request for full verification of this account to XXXX on XX/XX/XXXX. They didnt provide me sufficient verification per my request which was made pursuant to the FACT Act, Section 312.
In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.
On XX/XX/XXXX, I sent a follow up to XXXX to again request verification. I requested 29 very specific items to in fact verify the account, which, if needed would be requested during discovery if I were to ever file a lawsuit regarding my request. They failed to provide me with the requested information.
On XX/XX/XXXX, I sent a request of verification to XXXX so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. I requested information specifically in regards to UCC Article 9, which were as follows : 1 ) I would like to see my wet signature that was authenticated ( Authenticate is a broader term than sign and encompasses electronic signatures and similar methods. See U.C.C. 9-102 ( a ) ( 7 ). ) on a security agreement that describes the collateral.
2 ) Written confirmation that the " Right of Redemption '' was provided so that I know that my rights weren't violated under Article 9.
3 ) A copy of the notice of the intended disposition of the collateral, including the date after which a private sale occurred and the time and place of where the public sale was conducted.
4 ) Verification of the notice of my right to redeem the collateral after repossession by paying the full accelerated amount of the debt. ( U.C.C. 9-623 ).
5 ) Notice of the disposition of the collateral that contained all the required information and that it was accurate in all respects. Keep in mind that Article 9 adopts a " zero tolerance '' rule for mistakes or omissions in the notice of disposition.
As you guessed, they didnt provide me with any of this information. On XX/XX/XXXX, I requested a Deficiency Waiver in writing regarding the account. I also requested that they provide me with ALL 426 identifiers of their reporting to the bureaus as the information is inaccurate. As well, Ive requested that they remove this account from my credit report since they have failed to oblige the Fair Credit Reporting Act, the FACT Act Section 312, U.C.C. Section 9, Fair Credit Billing Act amongst many other laws put into place to protect my consumer rights. This, in my opinion is the reason that the Attorney Generals from more than half of the States have entered an agreement for them to follow.
|
01/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Equifax has provided extremely poor service in supporting my attempt to use their " Lock and Alert '' option to lock my credit report.
On XXXX XXXX, I attempted, for the first time, to establish a " Lock and Alert '' account via lockandalert.equifax.com to lock my Equifax credit report. After providing all the information, I was asked four identity validation questions via the website, which I believe I answered accurately, but the website said that additional information would be required. It also instructed me to phone XXXX for help.
I phoned XXXX in the evening of Sunday, XX/XX/XXXX and was connected to an off-shore XXXX call center. The person representing Equifax at that call center didn't communicate effectively and didn't specify how many credit accounts I needed to verify to gain access. I listed several, both mortgages and credit cards, and afterwards he told me that I failed to validate my identity.
On Monday, XXXX XXXX, I again tried to get into my " Lock and Alert '' account via lockandalert.equifax.com. Upon entering my email address and password, I received a screen that said " Let 's finish your registration '' and that I needed to " Enter the verification code you received in the mail. '' Since I had not received any such mail ( having only one day elapsed since trying to establish the account ), I again called the XXXX phone number.
On Monday, XXXX XXXX, when I called the XXXX phone number, the automated greeting again informed me I was being connected to XXXX, and I was connected to an agent. There was much static on the line, and the agent couldn't clearly hear me. When I gave my zip code, they couldn't get more than 3 digits of it. So I said I would hang up and call back.
On Monday, XX/XX/XXXX, at approximately XXXX EST, I again called XXXX and was connected to the off-shore XXXX call center and spoke with a new agent to whom I relayed the problem of the phone connection. She said that they had been having problems that morning with their phone system, but we established we could hear each other adequately. After providing my basic contact information, including my email address, she asked me to review an email sent to me. When I clicked on a link in that email, I was taken to a site that said in large red letters " OOPS!!! ", gave an unspecific message that something had gone wrong, and provided a very long numerical reference number ( more than 14 digits ). I provided that phone number to the call center agent, who said they needed to put me on hold for " two minutes ''. I was placed on hold for over 10 minutes, and when the agent returned, they asked if I had received another email message with a PIN. I checked my email, saw two new messages, but neither one contained a PIN. The first was a welcome message to Lock and Alert from a no-reply @ address, the second appeared to be a resend of the same message. Nowhere in the general message was there any information specific to me except my first name in the salutation. I also viewed some email messages that had been sent about 10 minutes earlier that stated, erroneously, that the ( postal ) mail sent to me containing a PIN had been returned. Obviously, there is no way postal mail that was generated on Sunday was returned to the sender by noon the next day. The agent sounded disappointed that I had not received a PIN in the emails ; she checked on something else ; and said that she was going to ask me some credit questions to verify my identity.
Unfortunately, while this agent was more competent to help me know how many different credit records of each type they wanted me to provide, their phone system apparently failed partway through this process. I had spent approximately 5 minutes providing examples of my credit information, and was finding information to answer her next request, but she stopped responding to my comments. She then started saying about every two or three minutes, " Mr. __XXXX '' are you still there? I responded each time and even pressed digits on the phone and shouted back in hopes that she would hear that I was still there. This went on long enough that I anticipated she would cut off the call at some point, so I dialed into the XXXX number on a different phone ( again identifying itself as XXXX ) and started letting another agent listen to the first agent saying that they couldn't hear me and ultimately that they were going to have to disconnect the line. ( In total, the call on the first phone lasted about 45 minutes. ) After the agent on the second phone heard this, I asked to be transferred to a supervisor, and ended up being bounced around the Equifax phone system some more. I was transferred to another person, and I immediately asked if they were a supervisor. They replied they were not a supervisor, but were confident they could help me. After telling them that I was trying to validate my identity so that I could use Lock and Alert, they informed me that they were in the department that handled credit freezes but that he couldn't address Lock and Alert. I then asked to speak to his supervisor. He put me on hold a few times, and after each hold of a few minutes came back and said that the supervisor was not yet available. Having eventually tired of this, I asked to be transferred back to the " Lock and Alert '' department.
Back in the " Lock and Alert '' department, I was again connected to an off-shore XXXX call agent, where once again, I had to go through not only the entire contact verification process but also the credit-record-based identity verification to in the end get no useful help. After going through the verification process, including with credit records, the agent told me that she would help me reset my password. I reminded her that I didn't need to have my password reset, I knew my password, and that the problem was that I needed to have the account identity verified. She kept saying that what she could help me with was a password resent. I suggested that I try to log into the lockandalert.equifax.com website with my old password to demonstrate to her that wasn't the problem. When I did this, I was then no longer greeted with the requirement to enter a validation PIN, but proceeded to the screen allowing me to lock my Equifax credit report. When I asked this agent what changes she saw that allowed me to do what I wasn't allowed to do an hour previous, she could not provide me any information on the process. When I asked what would happen in the future should I need to reverify my identity, she again fell back on discussing a password reset. I gave up trying to get useful information from phone agents for Equifax, said goodbye, and hung up.
As a victim of the Equifax hack in 2017, I deserve far more competent help than Equifax is providing, especially via its off-shore XXXX call center. The CFPB should require that support for credit agency services, especially those being offered as part of compensatory settlements for security breaches, be handled by domestic call centers with properly trained agents rather than ones with phone connection problems, with poor communication skills, and who are reading from a script rather than being knowledgeable about the process.
I am no fan of excess government regulation, but these credit reporting bureaus should be kept on a much tighter leash and prevented from profiting off of mismanaging my personal data.
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04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
Hello, I am writing to file a formal dispute regarding the actions of XXXX XXXX in relation to my account with them. My account number is XXXX.
According to XXXX, my payment status with XXXX XXXX is a charge off account. However, I never received any notification from XXXX XXXX regarding this charge off account. Additionally, they never provided any paperwork with me regarding this matter.
I believe that XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 7 ) of the FCRA, which requires creditors to provide written notification to consumers when their account is charged off. Subsection ( a ) ( 7 ) of Section 623 states that " a person who furnishes information to a consumer reporting agency shall ... notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action, chargeoff, or assignment ... and, if the furnished information relates to a delinquent account placed for collection, charged to profit or loss, or subjected to any similar action, the person furnishing the information shall ... notify the consumer ... that the consumer 's delinquent account was placed for collection, charged to profit or loss, or subjected to any similar action. '' XXXX XXXX XXXX failure to provide me with written notification of the charge off status of my account is a clear violation of this subsection of the FCRA. This has greatly impacted my life as the inaccurate negative information on my credit report has made it difficult for me to secure loans or credit cards, which I need to improve my financial situation.
XXXX XXXX XXXX XXXX regarding my account with them. According to XXXX and Equifax, my payment status is a charge off account, but I have never received any notification from XXXX XXXX XXXX regarding this charge off account, nor have they provided me with any paperwork.
Furthermore, there are discrepancies in the reported dates of last activity, date reported, and last payment date between XXXX and Equifax. XXXX reported the last activity date as XX/XX/XXXX, while Equifax reported it as XX/XX/XXXX. XXXX also reported the date reported as XX/XX/XXXX, while Equifax reported it as XX/XX/XXXX. Lastly, XXXX reported the last payment date as XX/XX/XXXX, while Equifax reported it as XX/XX/XXXX.
These discrepancies in reported dates may be a violation of the Fair and Accurate Credit Transactions Act ( FACTA ), which requires consumer reporting agencies to ensure the accuracy of the information they report.
Moreover, XXXX XXXX XXXX XXXX failure to provide me with written notification of the charge off status of my account violates Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). I believe that this violation needs to be addressed, and I request that the CFPB enforce legal action against XXXX XXXX XXXX for not complying with the FCRA.
XXXX XXXX XXXX According to all three credit bureaus, I was reported as 30 days late on my account in XX/XX/XXXX and my payment status was charged off, but I have never missed any payments on this account. Furthermore, I have not received any notification or paperwork regarding this charge off account.
This inaccurate reporting by XXXX XXXX has caused significant negative impact on my life. I have been denied loans, credit cards, and other financial opportunities due to this misinformation. It has caused me immense stress and frustration to know that my credit score is being affected by an error that is not of my doing.
I believe XXXX XXXX has violated several laws including Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). The FCRA requires creditors to report accurate and complete information to consumer reporting agencies and to provide written notification to consumers when their account is charged off. XXXX XXXX has failed to meet both these requirements.
XXXX XXXX According to XXXX, the Last Verified date for the account is XX/XX/XXXX, but XXXX and Equifax have not reported this information. Additionally, there are discrepancies in the reported dates of last activity, date reported, and last payment date between the three bureaus.
Furthermore, according to XXXX, I was 30 days late on XX/XX/XXXX, but I did not miss any payments on this account. All three bureaus also report the payment status as 30 Days Late. However, I have never received any notification from XXXX regarding this late payment, nor have they provided any paperwork to support it.
XXXX XXXX and XXXX. According to my credit report, the account number XXXX with XXXX XXXX is listed as a charge off by XXXX, but I never received any written notification of this charge off status. Furthermore, the other two credit reporting agencies did not report any negative information regarding this account.
I believe this to be a violation of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires creditors to provide written notification to consumers when their account is charged off. XXXX XXXX 's failure to provide me with written notification of the charge off status of my account violates this subsection.
XXXX XXXX, with account number XXXX, has been reporting a charge off status on my account without providing me with written notification of such status, which violates Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This has caused significant harm to my credit score and my ability to obtain credit in the future.
XXXX XXXX with account number XXXX, has also been reporting a charge off status on my account without providing me with written notification of such status. This violates Section 623 ( a ) ( 7 ) of the FCRA as well as potentially Section 623 ( a ) ( 2 ) of the FCRA, which requires accurate and complete reporting of information to consumer reporting agencies.
Department of EducationXXXX XXXX According to XXXX and Equifax bureaus, I was 90 days late on five occasions, but I have not missed any payments on this account. Furthermore, there are discrepancies in the last payment date and the date reported between the two credit bureaus.
This inaccurate reporting has had a significant impact on my life. As a recent college graduate, I am trying to establish myself and build a good credit history. However, these false reports are preventing me from achieving my goals. I have been denied credit and financing opportunities due to this incorrect information on my credit report, and it is causing me a great deal of stress and anxiety.
Based on the information provided, there may be a violation of Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ). XXXX and Equifax 's inaccurate reporting without proper verification of the information may violate these subsections. Additionally, the credit reporting agencies ' failure to provide accurate information in my credit file may also be a violation of Section 623 ( a ) ( 5 ) of the FCRA.
I request that you enforce the legal requirements on the Department of Education/XXXX to ensure the accurate reporting of my payment history. Furthermore, I urge you to investigate and remove these unverified accounts from my credit report as soon as possible.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
|
08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 state-ments as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tal-lied total and invoices from which they were derived, the documented legal and current color pho-tographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applica-ble, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIAL-LY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ com-posed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFI-CIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefuta-ble compliant obligatory and regulatory requisite compliant reporting thereby mandating your im-mediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or return-ing to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet un-proven to be true, correct, complete, timely, documented as being mine, testimonial to be of my re-sponsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT report-ing.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testi-monial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your con-sumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only AC-CURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consum-er credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also pro-vides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily sup-ports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code man-agement and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a report-ing relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity re-porting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late in-stallments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is other-wise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as RE-QUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN de-rogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawful-ly within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my of-ficial writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or AD-VERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else :
|
08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally file a dispute regarding the inaccurate information present on my credit report, as well as the potential violations of consumer protection laws. I believe the following creditors have engaged in activities that warrant your immediate attention : XXXX XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX Account number : XXXX, Please remove it from my credit report. I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX AZ XXXX : Address, The following personal information is incorrect. This address belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXXXXXX : Address, The following personal information is incorrect. This address belongs to someone else. Delete it from my report immediately.
I believe that these creditors have violated multiple consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The actions of these creditors have had a profound impact on my life, causing immense emotional distress and financial hardship.
For instance, I vividly recall the day when I discovered these inaccuracies on my credit report. The weight of the situation hit me like a ton of bricks. I had been diligently working to maintain a strong credit history, as I had plans to secure a mortgage for my first home. However, the erroneous late payments, fraudulent inquiries, and inaccurate account information have shattered my dreams and aspirations. This is not just a matter of credit scores ; it's a matter of my financial well-being and future security.
My journey has been filled with sleepless nights, anxiety-laden days, and the constant fear of not being able to achieve my goals due to circumstances beyond my control. I have been denied access to favorable interest rates, better housing options, and even job opportunities due to the tarnished credit report that does not accurately reflect my financial responsibility.
I implore the Consumer Financial Protection Bureau to enforce the legal protections that have been put in place to safeguard consumers like me from the predatory practices of creditors. It is my sincere hope that the CFPB will thoroughly investigate these violations and hold these creditors accountable for their actions.
In light of these violations and the profound negative impact they have had on my life, I kindly request that the aforementioned creditors take immediate action to remove these unverified accounts from my credit report. This would not only rectify the inaccuracies but also provide me with the opportunity to rebuild my financial future and regain control over my life.
Thank you for your attention to this matter. I trust that the CFPB will work diligently to ensure justice is served, and consumers are protected from such distressing experiences.
Sincerely, XXXX XXXX XXXX
|
07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a distressing and deeply impactful matter concerning multiple violations of the Fair Credit Reporting Act ( FCRA ) that have significantly affected my life and financial well-being.
I have recently obtained a copy of my credit report and was disheartened to discover several instances of inaccurate and unverifiable information, as well as unauthorized credit inquiries. The violations I have identified, along with the relevant sections of the FCRA, are as follows : Violation : Reporting inaccurate information on the credit report.
Creditor : XXXX Account XXXX : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 605 - Requirements relating to information contained in consumer reports.
Violation : Unauthorized credit inquiry.
Creditor : XXXX Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed.
Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports.
Violation : Unauthorized credit inquiry.
Creditor : XXXX Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed.
Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports.
Violation : Unauthorized credit inquiry.
Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed.
Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports.
Violation : Unauthorized credit inquiry.
Creditor : XXXX Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed.
Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports.
Violation : Reporting inaccurate or unverifiable account information.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.
Violation : XXXX inaccurate account payment history.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Relevant Section : FCRA Section XXXX - Responsibilities of furnishers of information to consumer reporting agencies.
Violation : XXXX inaccurate or unverifiable account information.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section XXXX - XXXX in case of disputed accuracy.
Violation : Reporting inaccurate account payment history.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Relevant Section : FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies.
Violation : XXXX inaccurate or unverifiable account information.
Creditor : XXXX Account XXXX : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section XXXX - XXXX in case of disputed accuracy.
Violation : XXXX inaccurate or unverifiable account information.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.
Violation : XXXX inaccurate or unverifiable account information.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.
Violation : XXXX inaccurate or unverifiable account information.
Creditor : XXXX Account XXXX : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.
The impact of these violations on my life has been profound and emotionally distressing. As a responsible consumer, I have worked diligently to maintain a good credit history, making timely payments and managing my financial obligations with care. However, the presence of these inaccuracies and unauthorized inquiries has marred my credit profile and caused undue stress and anxiety.
XXXX specific example that highlights the gravity of these violations is the reporting of a Chapter XXXX Bankruptcy ( XXXX XXXX : XXXX ) on my credit report, which does not belong to me. This misinformation has led to denials for credit applications, including a recent mortgage application that I have been diligently pursuing to provide a stable home for my family. The emotional toll of facing rejection due to erroneous information is devastating, and it has shattered my dreams of homeownership.
I firmly believe that my rights under the FCRA have been egregiously violated, and I kindly request the Consumer Financial Protection Bureau to intervene and enforce the provisions of the FCRA to ensure my fair treatment as a consumer.
To rectify the harm caused by these violations, I implore the creditors involved to promptly remove the inaccurate and unverifiable accounts from my credit report. I seek a thorough investigation into each of the aforementioned violations and request that the credit reporting agencies and furnishers of information take the necessary corrective actions immediately.
Furthermore, I demand that the credit reporting agencies provide me with a free and updated copy of my credit report, reflecting the accurate and verified information once these issues have been resolved.
I have attached supporting evidence, including copies of my credit report and any relevant documents, to substantiate my claim and aid in your investigation.
I sincerely appreciate your attention to this matter and your efforts to protect consumers ' rights under the law. I look forward to a swift resolution that will restore the integrity of my credit report and alleviate the emotional distress caused by these violations.
Thank you for your time and understanding.
Sincerely, XXXX XXXX
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02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have reached out to XXXX, XXXX and XXXX, XXXX XXXX and Equifax about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to Equifax, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint state Attorney Generals complaint in California consumer protection and innovation complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.InquiryName XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent address XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is a notice to XXXX XXXX XXXX ( Equifax, ) ( XXXX XXXX, ) ( XXXX, ) ( XXXX XXXX ( CEASE AND DESIST ) Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Consumer Financial Protection Bureau and the CALIFORNIA Attorney General 's office and civil claims may be pursued.ALSO 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( 1 ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have knownXXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Closed. {$140.00} written off. ( XXXXXXXX XXXX ) Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Original balance {$7000.00}. Account name ( XXXXXXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Account name ( XXXXXXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX
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05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Account XXXX : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
2. Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
3. Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX XXXX : Federal Trade Commission CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX
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01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
XXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. XXXX XXXX Account Number : XXXX I was looking over my credit report and noticed this account I do not recognize. I request for you to send verification and validations of this account if you can not. I demand you remove this account.
XXXX. XXXX Account XXXX : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX Account XXXX : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX Account XXXX : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX- This address belongs to someone else. Delete it from my report immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Consumer Financial Protection BureauXXXX : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System XXXX : XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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" XXXX '' reporting to " CRAs '' are riddled with copious errors. Despite " Borrower 's '' multiple requests from XX/XX/XXXX through XX/XX/XXXX for " XXXX '' to repair the copious errors on the mortgage loan providers reporting to " CRAs, the errors remain.
Most noticeable was the disappearance of the six ( 6 ) year Foreclosure Started ( FS ) notation on XXXX reporting to " CRAs. '' The FS notation was included in XXXX monthly reporting to " CRAs '' from XX/XX/XXXX through XX/XX/XXXX. The FS notation is in reference to XX/XX/XXXX, foreclosure, one week after " Borrower '' contacted " XXXX '' on XX/XX/XXXX, requesting to speak to a supervisor about the questionable activity on Borrowers " Account ''.
According to a XX/XX/XXXX conversation with " XXXX CSR, '' " XXXX '' allegedly rescinded foreclosure on XX/XX/XXXX.
Provide Borrower XX/XX/XXXX, order to rescind foreclosure.
Provide Borrower XX/XX/XXXX, intent to foreclose notification for XXXX lawyer.
However, " XXXX '' did not remove the FS status from XXXX CRAs reporting until " Borrower '' filed a XX/XX/XXXX, CFPB complaint in regards to XXXX CRAs reporting, unrelated to FS notations.
" XXXX '' caught the error in XXXX CRAs reporting by accident and removed the negative monthly reporting after six ( 6 ) years. If " Borrower '' had not sent a complaint requesting XXXX " CRAs '' reporting be repaired, the XX/XX/XXXX FS notation would still be on " XXXX '' monthly reporting to " CRAs. '' The subsequent noticeable discovery was the High Balance of {$170000.00} was not wholly removed from XXXX " CRAs '' reporting after " Borrower '' had sent QWRs establishing the {$170000.00} High Balance is not associated with " Borrower 's '' " Account ''. However, the {$170000.00} High Balance is reported throughout the Payment History of the XXXX " CRAs '' reporting. Borrowers " CRAs '' Equifax Credit Report shows XX/XX/XXXX and XX/XX/XXXX Account High Credit to be {$170000.00}.
" XXXX '' XXXX XX/XX/XXXX response to " Borrower 's '' " CFPB '' XX/XX/XXXX complaint states, " XXXX '' is obligated to furnish the " CRAs '' with accurate information. " Borrower '' claims " XXXX '' uses this line as an excuse to deny customer requests, but " XXXX '' does not practice the obligation of furnishing accurate information in reports to " CRAs. '' " Borrower 's '' XX/XX/XXXX, " CRAs '' Equifax Credit Report shows XX/XX/XXXX payment 30 Days Past Due ; XXXX XXXX 120 Days Past Due ; XXXX XXXX 120 Days Past Due, while no payments were made to " Account '' from " Borrower '' in XXXX. XXXX CRAs reporting is inaccurate.
" XXXX XX/XX/XXXX response to " Borrower 's '' " CFPB '' XX/XX/XXXX complaint states, " XXXX '' is obligated to furnish the " CRAs '' s with accurate information.
The information in " XXXX '' reporting to " CRAs '' continues to be inaccurate after multiple requests by " Borrower '' to update XXXX " CRAs '' reporting with correct information.
" XXXX '' responded on XX/XX/XXXX, to " Borrowers '' XX/XX/XXXX, " CFPB '' complaint, stating, Although an error was made on loan, the responses did not provide corroboration a credit correction would be made as there was not an impact to the credit reporting.
" Borrower '' holds to the argument ; one may surmise " XXXX '' XX/XX/XXXX forgiveness and reversal of ALL past due fees and payments between XX/XX/XXXX and XX/XX/XXXX goes hand-in-hand with the removal of negative past due to payment statements on XXXX " CRAs '' reporting for XX/XX/XXXX through XXXX.
Remove ALL negative XXXX monthly reporting to Borrowers CRAs reporting for XX/XX/XXXX through XX/XX/XXXX, immediately.
Provide goodwill gesture removal of ALL negative XXXX monthly reporting to Borrowers CRAs from XXXX through XXXX, immediately.
On XX/XX/XXXX, " Borrower '' sent a CFPB complaint to " XXXX '' communicating, XX/XX/XXXX credit reports for " Borrower 's '' " Account '' show XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments as being unavailable. However, a XX/XX/XXXX credit report showed XX/XX/XXXX payment as being on time. XX/XX/XXXX payment was made on XX/XX/XXXX. XX/XX/XXXX payment was made on XX/XX/XXXX. XX/XX/XXXX payment was made on XX/XX/XXXX.
" XXXX '' responded to Borrowers XX/XX/XXXX, CFPB complaint on XX/XX/XXXX, through CFPB 's online portal. " Borrower '' did not receive a written response through the mail. However, CFPB 's '' website was down for repairs or maintenance when " Borrower '' went to read the response.
" Borrower '' called " XXXX CSR on XX/XX/XXXX, to verify the payment dates " XXXX '' had for the first four ( 4 ) monthly payments for XXXX when " Borrower '' was verbally accosted and refused service by " XXXX CSR.
Provide Borrower audio recordings of conversations on XX/XX/XXXX, with two ( 2 ) XXXX CSRs and XXXX XXXX.
Provide Borrower with written transcripts of conversations on XX/XX/XXXX, with two ( 2 ) XXXX CSRs and XXXX XXXX.
Provide Borrower complaints filed on XX/XX/XXXX, by XXXX CSR and XXXX XXXX.
" Borrower '' retrieved " XXXX 's '' response to XX/XX/XXXX, CFPB complaint on XX/XX/XXXX, when the CFPB online portal was operational.
" XXXX '' admitted that another error has occurred in XXXX " CRAs '' reporting, Our records indicate " XXXX '' responded to three Automated Credit Dispute Verification disputes and provided the date of " Account '' information as of XX/XX/XXXX, which resulted in the payment history profile not being populated with the " CRAs '' beyond XX/XX/XXXX.
We can confirm the XX/XX/XXXX credit reporting file was submitted to the " CRAs '' during the month of XX/XX/XXXX and your payment history profile will re-populate the XX/XX/XXXX through XX/XX/XXXX installments as current.
The experiences " Borrower '' has had since working with " XXXX '' to correct errors in XXXX " CRAs '' reporting have been just as stressful and angst-ridden as was the process of obtaining a prompt and correct answer from " XXXX '' about the XX/XX/XXXX questionable " Account '' activity.
On XX/XX/XXXX, " Borrower '' asked, " XXXX XXXX '' if copies of Account communication logs and notes could be obtained if " Borrower '' put the request in writing.
" XXXX XXXX '' informed " Borrower '' that the only way to obtain the call records and notations was in a courtroom. To make sure " XXXX XXXX '' understood what " Borrower '' was asking. " Borrower, '' asked, " XXXX XXXX '' to clarify what " XXXX XXXX '' had stated.
" XXXX XXXX '' repeated " XXXX XXXX '' statement, informing " Borrower '' that " Borrower '' would have to go to the courtroom to obtain the communication records and notes for " Account. '' " Borrower '' questioned " XXXX XXXX over the phone on XX/XX/XXXX, about the truth behind the " XXXX XXXX statement.
When pressed for a response, " XXXX XXXX stated " XXXX XXXX believed the statement XXXX be false but could not be sure until " XXXX XXXX researched it further.
" XXXX XXXX never provided results of " XXXX XXXX research into Borrowers question.
Provide Borrower audio recordings of conversations on XX/XX/XXXX, with XXXX CSR and XXXX XXXX.
Provide Borrower with written transcripts of conversations on XX/XX/XXXX, with XXXX XXXX and XXXX XXXX.
Provide Borrowers complaint filed on XX/XX/XXXX, by XXXX XXXX.
Provide results oXXXX XXXX XXXX report into the legality of XXXX CSRs answer to Borrowers question.
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08/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Due to these facts, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character, & information breach, using fictitious names, reporting false information, punitive, and what ever codes and laws that are applicable!. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond with clarity to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which EQUIFAX puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor. Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this deb was assigned or sold to collector.
Complete accounting of alleged debt. Meaning public and private side of bookeeping, and CUSIP # S purchase price for information from alleged creditor, or information provider Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth.
When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable.
Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract.
The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages.
PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds.
2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable.
3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract.
4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement.
5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates.
6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are notof the same and equal kind.
7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being anaccommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognised by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorised agent written below.
8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties.
Best Regards XXXX XXXX.
cc : Federal Trade Commission.
THIS IS A LETTER COMMUNICATION FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
reserves all rights UCC 1-308
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11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 state-ments as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tal-lied total and invoices from which they were derived, the documented legal and current color pho-tographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applica-ble, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIAL-LY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ com-posed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFI-CIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefuta-ble compliant obligatory and regulatory requisite compliant reporting thereby mandating your im-mediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or return-ing to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet un-proven to be true, correct, complete, timely, documented as being mine, testimonial to be of my re-sponsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT report-ing.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testi-monial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your con-sumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only AC-CURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consum-er credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also pro-vides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily sup-ports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code man-agement and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a report-ing relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity re-porting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late in-stallments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is other-wise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as RE-QUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN de-rogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawful-ly within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my of-ficial writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or AD-VERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else :
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND XXXX INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
|
02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The following personal information is incorrect Account Number : Employers : XXXX 2. The inquiry was not authorized XXXX XXXX-A Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
09/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Please note that a previous case was filed. XXXX responded in the complaint that they sent me the documentation. The problem is that they obviously made an error which has cost me thousands of dollars and a drop in my credit score. If you note my response from them you will see multiple times they say they sent the information to my address. However, if you look at my Contract you will see my address is in XXXX and not in XXXX. A clerical error on the behalf of XXXX should not cost me for 7 years. XXXX sent the paperwork to the OTHER address on file, not mine. Obviously I needed information to be sent to the address on the contract, which is XXXX XXXX XXXX, XXXX, XXXX - which is my address for the last 12 years. I should have been notified by federal and state laws multiple issues.
Required Notifications : Before your lender can sale your car, they MUST notify you of their intentions. You can waive this right, so make sure you dont sign anything the lender gives you until you consult with your lawyer. See Texas Business & Commercial Code Sect. 9.611 Timing of Notification : Your lender must send the required notification after your default and 10 days within the disposition of the vehicle. See Texas Business & Commercial Code Sect. 9.612 Content of Notice : The notice must list your name and the collateral that the lender intends to sell. It must state how much money it would take to REDEEM or reinstate the loan. It must provide a telephone number to call to redeem the loan. It must state how they plan to dispose of the truck and tell you that you are entitled to an accountable of any debt remaining after the sale. The lender must tell you the time and place of the auction ( or other manner of sale ). Its pretty easy for lenders to follow this rule the form is listed in the statute. See Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614 Right to Redeem Car or Truck : You have the right to redeem your vehicle even after Texas repossession. To redeem the loan default, you have to pay whatever is owed through that date, the reasonable expenses like repo fees, storage costs and attorneys fees. You have the right to redeem the vehicle up until the actual sale date and time. See Texas Business & Commercial Code Sect. 9.623 Lenders Failure to Comply : If the lender fails to follow the Texas Repossession laws, then it may be liable for damages and costs that you incur. Or you may be able to recover {$500.00} for each statute violation. Or you may be able to eliminate any deficiency owed on the truck loan after the sale. See Texas Business & Commercial Code Sect. 9.625.
I should not have to get a lawyer to fix this issue. It is obvious ( by the response from XXXX ) that I never got the information required by federal and state law, and the paperwork not only did not get delivered to me, it is proven that it did not get to me because of a clerical issue made by the company. Below is my first complaint with CFPB. I have attached the 19 page response, which was emailed, but also ironically addressed to an address in XXXX with my name on it. I have never lived there. That person who did live there was a friend of my wife, and I do not live with that girl. I have had a wife for 12 years in the same house in XXXX Texas.
+++++++++++++++++++++++++++++++++++++++++++++++++++++++ XXXX is reporting a repossession for this account, in the amount of {$10000.00}. It is true that I co-signed the loan on the car. The person I signed for was in an XXXX relationship and my wife and I felt like she needed some help. It was not the wisest thing to do, but it seemed like the right thing to do at the time. It wasnt long after that she disappeared with the car. She made regular payments on time for about a year and then the problems began. The real issues begin once the car was repossessed. I am not disputing their right to repossess the car if she wasnt making the payments. I am concerned that once it was repossessed I wasnt provided notice that the vehicle was going to be sold. I wasnt provided any notice about what it would take to redeem the vehicle. I wasnt provided any notice about when it would be sold. All these are required under Texas Business & Commercial Code Sect. 9.612. Nor was I ever informed of what it was sold for, so I have no way of knowing if the amount they claim is still owed is correct or not. Finally, to add insult to injury the item was then slapped onto my credit report. This item is under dispute under the FCRA, 15 USC section 1681i, for being inaccurate or unverifiable, because I have no way to know if the amount being claimed is correct. It is also under dispute under the FDCPA, 15 USC section 1692g, because at all points there has been a failure to provide written notice of anything related to the repossession or sale of the vehicle. Had I known of the repossession I would have bought this car to keep this off my credit. Texas State Law requires multiple things that are not addressed in federal law that I am sure that XXXX knows about but none of these things were followed. Sale/Auction : Your lender can sell your truck in a commercially reasonable manner at an auction or other type of sale. See Texas Business & Commercial Code Sect. 9.610 Required Notifications : Before your lender can sale your truck, they MUST notify you of their intentions.. See Texas Business & Commercial Code Sect. 9.611. They did not notify me of the sale. Timing of Notification : Your lender must send the required notification after your default and 10 days within the disposition of the vehicle. See Texas Business & Commercial Code Sect. 9.612. They did not notify me of the sale and did not send me the notification. Content of Notice : The notice must list your name and the collateral that the lender intends to sell. It must state how much money it would take to REDEEM or reinstate the loan. It must provide a telephone number to call to redeem the loan. It must state how they plan to dispose of the truck and tell you that you are entitled to an accountable of any debt remaining after the sale. The lender must tell you the time and place of the auction ( or other manner of sale ). Its pretty easy for lenders to follow this rule the form is listed in the statute. See Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614, None of this was done. Right to Redeem Car or Truck : You have the right to redeem your vehicle even after Texas repossession. To redeem the loan default, you have to pay whatever is owed through that date, the reasonable expenses like repo fees, storage costs and attorneys fees. You have the right to redeem the vehicle up until the actual sale date and time. See Texas Business & Commercial Code Sect. 9.623 Lenders Failure to Comply : If the lender fails to follow the Texas Repossession laws, then it may be liable for damages and costs that you incur. Or you may be able to recover {$500.00} for each statute violation. Or you may be able to eliminate any deficiency owed on the truck loan after the sale. See Texas Business & Commercial Code Sect. 9.625 Consequently, I am requesting that this removed from my credit report as being inaccurate, unverifiable, and under dispute where the creditor has failed to provide proper notice of the items relating to this account.
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08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report.
The Credit Bureaus never did a proper " investigation '' according to the FCRA The term " investigative consumer report '' means a consumer report portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They did not do this.
Also, they have violated my rights even more I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( XXXX ).
I've NEVER received Notice that my information would be shared to third parties. I did not consent, nor did I provide written permission to share my nonpublic personal information with anyone, CRAs or Creditors. Also, 15 USC 1681 604 A Section XXXX - States a Consumer Reporting Agency SHALL Not furnish an account without my written permission or instruction. I have never given written permission to any company.
CRA 's continue to report inaccurate information when suppose to be 100 % accurate according to FCRA. CRA 's comes back and say account " VERIFIED '' but how is this so when my name is spelled wrong. My name is not XXXX XXXX nor is it XXXX XXXX XXXX. I only have XXXX address XXXX XXXX XXXX XXXX XXXX, GA XXXX CRA 's reporting inaccurate information ... example on XXXX reporting XXXX XXXX. Act # XXXX Date Opened as XX/XX/XXXX, and XXXX reporting Date Opened as XX/XX/XXXX. XXXX reporting Date Last reported as XX/XX/XXXX, and Equifax reporting Date Last reported as XX/XX/XXXX. XXXX reporting Date Last Active as XX/XX/XXXX, and Equifax reporting as XX/XX/XXXX. Also account number does not review the last numbers of the account number to verify if the accurate is accurate. ( See Credit Report Attached ) I never received the Social Security Form SSA89 the Authorization for the Social Security Administration ( SSA ) To Release Social Security Number ( SSN ) Verification. These companies must have this form on file prior to releasing information to the CRAs 15 U.S.C. 1681 s-XXXX ( 8 ) ( E ) Responsibilities of Furnishers of information to consumer reporting agencies ( 8 ) Ability of consumer to dispute information directly with furnisher ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( XXXX ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
I also was never advised that I could have " OPT OUT '' of the consumer reporting prior to items being put on my credit report. These companies never disclosed to me that my private personal nonpublic information would be shared to nonaffiliated third parties, nor did they provide me with their company policies concerning this matter. Using my information with my consent is a Privacy violation and a Crime according to 18 U.S.C. 1028.
When the creditor is in violation of the Truth in Lending Act, the cardholder has the right to seek any actual damages resulting from the violation, statutory damages of up to {$5000.00} for a single violation, and more where the violations are part of a pattern or practice, as well as attorneys fees. [ See 15 USC 1640 ( a ) ( XXXX ) [ actual damages ; 15 USC 1640 ( a ) ( XXXX ) ( a ) ( i ) and ( a ) ( XXXX ) ( a ) ( iii ) [ statutory damages ] ; 15 USC 1640 ( a ) ( XXXX ) [ attorneys fees and cost ] ; and 15 USC 1640 ( e ) and ( h ) [ recoupment and set-off rights ]. The right to recover for violations of this Act may be brought even after the entry of a default judgment against the cardholder by any court of compete jurisdiction.
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement ; 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties ; 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
15 USC 1681 Congressional findings and statement of purpose ( a ) Accuracy and Fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XXXX. XXXX, XXXX, 84 Stat. 1128. ) Please deleted these accounts XXXX XXXX XXXX XXXX days after the receipt of my information
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXXXXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. The following account is not mine XXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report.
3. The following account is not mine XXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report.
4. The following account is not mine XXXX XXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report.
5. The following account is not mine XXXX XXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report.
6. The following account is not mine XXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report.
7. The following account is not mine XXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report.
8. The following inquiry is not mine XXXX Account Number : Please remove it from my credit report.
9. The following inquiry is not mine XXXX Account Number : Please remove it from my credit report.
10. The following inquiry is not mine XXXX XXXX Account Number : Please remove it from my credit report.
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
|
08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute several violations by creditors and to request the enforcement of my legal rights under the relevant consumer protection laws. Upon reviewing my credit report, I have identified a multitude of instances where creditors have engaged in actions that are not only unjust but have significantly impacted both my financial well-being and personal life.
The following is a comprehensive list of the violations that I have encountered : 1. Unauthorized Credit Pulls : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXXXXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXXXXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. Unverified Accounts and Inaccurate Reporting : XXXX XXXX XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX : Account number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX XXXXXXXX XXXX : Account number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX : Account number : Name This name belongs to someone else. Delete it from my report immediately.
XXXX XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address This address belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX LA XXXX XXXX : Account number : Address This address belongs to someone else. Delete it from my report immediately.
The violations outlined above directly contravene the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Section 1681b : Permissible purposes of consumer reports.
Section 1681e : Compliance procedures regarding the accuracy and completeness of information.
Fair Debt Collection Practices Act ( FDCPA ) : Section 804 : Acquisition of location information.
Section 805 : Communication in connection with debt collection.
Consumer Financial Protection Bureau ( CFPB ) Regulations : Regulation V : Fair Credit Reporting.
Regulation F : Fair Debt Collection Practices Act.
Identity Theft and Assumption Deterrence Act : Section 605B : Fraud alerts and active duty alerts.
Truth in Lending Act ( TILA ) : Section 1639 ( a ) : Credit card account rules.
I have been deeply affected by these violations, both financially and emotionally. The unauthorized credit pulls have led to unwarranted credit score reductions, obstructing my ability to secure favorable loans and housing. The unverified accounts and inaccuracies in my personal information have caused immense distress, affecting my mental well-being and adding undue hardship to my daily life.
Given the profound impact these violations have had on my life, I kindly request that the Consumer Financial Protection Bureau intervene and enforce my legal rights. I implore you to take the necessary measures to hold these creditors accountable for their actions and ensure the rectification of my credit report in compliance with the law.
I am seeking the following remedies : A thorough investigation into the unauthorized credit pulls and unverified accounts listed above.
The enforcement of appropriate penalties against the creditors found to be in violation of consumer protection laws.
A directive to the involved creditors to expeditiously remove any unverified accounts from my credit report.
Facilitation of the correction of any inaccuracies in my personal information.
I trust that the Consumer Financial Protection Bureau 's commitment to safeguarding consumers ' rights will lead to a just resolution of this matter. Please consider the profound implications these violations have had on my life and act to rectify the situation.
Thank you for your attention to this matter. I anticipate a timely resolution and equitable outcome. Should you require additional information or supporting documentation, please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ].
Sincerely, XXXX XXXX
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09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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I have sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation of the following accounts. The bureaus have failed to verify these accounts as requested and that is a violation of the FCRA. The accounts and reasons are listed as follows : XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX This account is reporting as a collection account, but I was never late on this account. I have asked for the statements verifying this account was paid late and now in collections, but I have not received any verifying documents. Please delete this account immediately.
XXXX XXXX XXXX I was never late in paying this account and the creditor has failed to provide me with a statement verifying these late payments. I am requesting all late payments be removed from this account.
XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX XXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately.
XXXX XXXX XXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately.
XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately.
XXXX XXXX XXXX XXXX This account is reporting late payments and I am sure I have never been late. I requested proof of the late payments in the form of a statement, and it has not been provided. Since these late payments can not be verified, I am requesting the late payments be removed immediately.
XXXX XXXX XXXX XXXX This account is reporting late payments and I am sure I have never been late. I requested proof of the late payments in the form of a statement, and it has not been provided. Since these late payments can not be verified, I am requesting the late payments be removed immediately.
XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately.
XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
No Account XXXX XXXX XXXX is this account reporting as accurate when it is incomplete and does not list a creditor at all. This is an FCRA violation. Please delete immediately.
XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
|
03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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Hello, I am writing to you regarding the inaccurate information being reported on my credit report by XXXX, account number XXXX. I have noticed several discrepancies in the information being reported by XXXX to the XXXX major credit bureaus, XXXX, XXXX, and Equifax. These inaccuracies have greatly affected my credit score, and as a result, my ability to secure loans and financial opportunities.
According to my credit reports from all three bureaus, I was reported as being 30 days late on XX/XX/XXXX, even though I have not missed any payments on this account. Additionally, the monthly payment reported by XXXX and XXXX is {$55.00}, while Equifax shows {$46.00}. The Date Opened date reported by XXXX is XX/XX/XXXX, while XXXX reports XX/XX/XXXX. The XXXX reported by XXXX and XXXX is {$1000.00}, whereas Equifax shows {$900.00}. Furthermore, the High Credit reported by XXXX and XXXX is {$2100.00}, while Equifax shows {$0.00}.
Moreover, there are discrepancies in the Last Reported Date and Date Last Active fields. XXXX and XXXX reported the Last Reported Date as XX/XX/XXXX, while Equifax reported XX/XX/XXXX. XXXX reported the Date Last Active as XX/XX/XXXX, while XXXX reported XX/XX/XXXX, and Equifax did not report this information. Additionally, XXXX reported the Date Last Active as XX/XX/XXXX, whereas XXXX and Equifax did not report this information.
These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require credit reporting agencies to maintain reasonable procedures to ensure accuracy in consumer reports and provide consumers with the right to dispute inaccurate or incomplete information in their credit reports and have it corrected.
XXXX XXXX. According to my credit reports from XXXX, Equifax, and XXXX, there are several inaccuracies regarding the account details for XXXX XXXX, account number XXXX.
Firstly, the date opened for this account varies among the XXXX credit bureaus, with XXXX and Equifax reporting the date as XX/XX/XXXX, while XXXX reports the date as XX/XX/XXXX. This discrepancy needs to be addressed, as it is causing confusion and negatively impacting my credit score.
Secondly, the reported balance on this account also varies between the credit bureaus, with XXXX and Equifax showing a balance of {$6100.00}, while XXXX reports the balance as {$6200.00}. This inconsistency needs to be corrected as it is causing further harm to my credit score.
Thirdly, the credit limit for this account is also inconsistent among the credit bureaus, with XXXX and XXXX reporting the credit limit as {$6500.00}, while Equifax reports the credit limit as {$0.00}. This inaccuracy needs to be addressed as it is causing confusion and negatively impacting my credit score.
I would like to point out that these discrepancies violate several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), and Equal Credit Opportunity Act ( ECOA ).
XXXX XXXX XXXX According to XXXX and XXXX, the account type detail shows as an Auto Lease, while Equifax did not report any information about this account. Additionally, XXXX and XXXX reported the date opened as XX/XX/XXXX, while Equifax reported XX/XX/XXXX.
Furthermore, XXXX and XXXX reported that I was 30 days late on XX/XX/XXXX, even though I did not miss any payments on this account. This error is negatively impacting my credit score and my ability to obtain financing for a home or car.
I believe XXXXXXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( b ), which require credit reporting agencies to maintain reasonable procedures to ensure accuracy in consumer reports and provide consumers with the right to dispute inaccurate or incomplete information in their credit reports and have it corrected.
XXXX XXXX XXXX, is reporting a 30-day late payment on January 21, but I did not miss any payments on this account.
Furthermore, there are discrepancies among the three credit bureaus regarding the account type and details, date opened, and balance. XXXX and Equifax reported the account type as XXXX XXXX, while XXXX reported it as Lease. XXXX and Equifax reported the date opened as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX. XXXX and Equifax reported the balance as {$11000.00}, while XXXX reported it as {$10000.00}.
These discrepancies have had a significant negative impact on my credit score and financial stability. As a result, I have been denied credit, including loans for a much-needed car purchase and a home mortgage. This has caused immense stress and frustration in my personal and professional life.
I believe that these reporting errors are in violation of the Fair Credit Reporting Act, specifically Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( b ), which require credit reporting agencies to maintain reasonable procedures to ensure accuracy in consumer reports and provide consumers with the right to dispute inaccurate or incomplete information in their credit reports and to have it corrected.
According to the information provided by the credit reporting agencies, I have been 30 days late on payments for XXXX XXXX XXXX Auto Loan account number XXXX, which is not true. I have never missed a payment on this account. Furthermore, there are discrepancies in the account details reported by the different bureaus.
XXXX or XXXX have reported that the account type-detail is Auto Loan, but Equifax did not report it. Additionally, XXXX or Equifax reported that the date opened was XX/XX/XXXX, but XXXX reported it as XX/XX/XXXX. Moreover, XXXX or XXXX reported the balance as {$14000.00}, while Equifax reported it as {$14000.00}.
These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ) which requires credit reporting agencies to maintain reasonable procedures to ensure accuracy in consumer reports, and Section 623 ( b ) which provides consumers with the right to dispute inaccurate or incomplete information in their credit reports and to have it corrected. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) violations, specifically Section 312 ( a ) ( 1 ) which requires credit reporting agencies to maintain reasonable procedures to ensure accuracy in consumer reports, and Section 312 ( b ) which provides consumers with the right to dispute inaccurate or incomplete information in their credit reports and to have it corrected.
These inaccuracies have had a significant negative impact on my life. As a result of the incorrect information on my credit report, I have been denied credit and loan applications, and have been unable to secure a favorable interest rate for the loans I have been approved for. This has made it difficult for me to purchase a home and a car, which are essential for my daily life.
Therefore, I am requesting that you enforce the legal requirements outlined in FCRA and FACTA and remove these unverified collection accounts from my credit report. I look forward to hearing from you soon.
Sincerely, XXXX XXXX
|
02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
On XX/XX/XXXX, I sent a dispute to Equifax using the option to dispute in myequifax.com ; I sent the removal letters I received from XXXX XXXX and XXXX XXXX. A few hours after submitting the dispute, Equifax sent me a letter with the dispute resolution as follow : ( Confirmation # XXXX ) >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXXS XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX & XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CXXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Equifax is not investigating or following the dispute process according, but using an automated system to handle the disputes, the documentation I sent was not even reviewed as well as the Identity theft reports I been sending them for over a year with those inquiries reported as fraud.
|
07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
Dear to whom it may concern, My name is **XXXX XXXX** XXXX I have been trying to report inaccurate account in my credit report for a year and The credit bureau always avoid their responsible to review my report by any excuses and tactic they can make. I want a real person who really have authority and responsible to review these incorrect account in the time frame of 30 days according to Fair Credit Reporting Act.
**Addresses reported** XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses are either incorrect or no longer belong to me. I have attached proofs of my current and accurate address. Please delete them as they have a high risk of causing negative impact to my credit report.
**EMPLOYMENT INFO** XXXX XXXX XXXX This information is incorrect. This employment have no relationship to our business. So please remove them off my credit report.
**Credit Card** XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be $ XXXX monthly payment on a closed account. Delete it immediately.
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be $ XXXX monthly payment on a closed and charge-off account. This account have to be deleted off my credit report. It is obviously a inaccurate and there is no need to reinvestigate.
**Hard Inquiries** _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX Inquiry : XXXX XXXX, XXXX Unverified _XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX account. Delete immediately XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX This account is not mine. Please delete it _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos.
This account is unauthorized inquiry and DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information.
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX Institution Information DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information **Collection** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection is not mine, I never have any financial obligation with this company. Please delete it!!
_XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed.
_XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$210.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$210.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$530.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1500.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$740.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$530.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1500.00} Needs Attention Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information. I demand removal of this account immediately.
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$740.00} Needs Attention Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information. I demand removal of this account immediately.
As you may aware of the FCRA [ 15 U.S.C. 1681d ] ( a ) Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I have never receipted any writing mailed or even a notice about these collection. They are intentionally placed in my account for making me pay for the money that I never owned.
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01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX collections Agency ( in reference to partial account number : XXXX ), for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the 3 major nationwide credit reporting agencies and the consumer financial protection bureau to follow up on my requests for information from XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires that collection companies provide validation and verification of any debt before collecting on it. Specifically, Section 609 ( a ) of the FCRA requires that a consumer reporting agency ( CRA ) such as a collections company provide a consumer with such information upon request. In this complaint, because my request was never responded to, again, I am officially requesting validation and verification of the alleged debt being collected by XXXX XXXX
Detailed Request for validation of the debt : I am requesting a validation of the alleged debt being collected by XXXX XXXX, along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of any debt, these laws work in tandem. XXXX addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX has assumed both the role of creditor and collector, by buying debt from the original creditor as indicated on my credit report. I am requesting detailed proof that the debt is valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector has the legal right to collect on the debt, including the signed terms between the original creditor and collector sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
In stressing the importance of these details, pursuant to the FDCPA, Section 809 ( a ) which states that a debt collector ( XXXX XXXX XXXX must provide validation of the debt to the consumer within five days of the initial communication, I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ). I request XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX fails to validate the debt within 30 days as required by law, I dispute the reporting of this debt, and request XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX can validate the debt with the above request, I will accept the reporting as accurate.
Detailed Request for verification of the debt : I am also writing within this complaint, a direct and official request for information from XXXX XXXX regarding the original contract of the alleged debt they are trying to collect. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX fails to verify the alleged debt within 30 days required by law, I dispute the reporting of this debt and request XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX can verify the debt with the above request, I will accept the reporting as accurate.
It is important for XXXX XXXX to note the written nature of these requests for validation and verification of information on the alleged debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX to provide me with the information that is used to calculate my credit score upon a request.
Lastly, I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor the practices of XXXX XXXX and hold XXXX XXXX accountable for their actions. Additionally, the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I am reaching out to the credit reporting agencies within this complaint as well, so that this time, my request is respected. I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting the requested information is expected to provide. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to this matter and look forward to your response.
Sincerely, XXXX XXXX
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11/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
WHAT HAPPENED With the holidays coming up, the employees of XXXX XXXX including myself and our families will have no income be out of work and therefore not be able to enjoy the XXXX, XXXX and XXXX XXXX while every employee of XXXX XXXX will be looking forward to wonderful holidays and time off. This did not have to happen because we had no control over the events that got our business off track. So I am asking XXXX XXXX to expedite a solution and not continue to take their sweet time we have lives of people at stake while XXXX XXXX is looking forward to no stress holidays with their families. There is no way in XXXX this is fair when XXXX XXXX is behind this failure to act in good faith.
This complaint stems from additional collateral damage to my personal credit and business credit including delinquent auto payments owed to XXXX XXXX XXXX XXXX, delinquent payments on my home mortgage with XXXX XXXX XXXX, delinquent payments on my business loans, delinquent payment on taxes ( State/Federal withholding taxes and XXXX County Tax Commissioner for property/inventory taxes ) and delinquent payments to vendors. These delinquencies are tied to my cash flow being sucked up by 4 events...
1 ) APPROVAL OF/ACKNOWLEDGING PREDATORY LOANS - Starting in XXXX XXXX XXXX steered me to predatory lenders and then approved of them by reviewing my financials in order to approve payment deferrals on my SBA loan. Ironically, I needed the payment deferments because I was steered to predatory lenders. XXXX XXXX ended up approving 6 payment deferments but the last 5 would have not been necessary if I had affordable working capital.
2 ) INVESTIGATION - The 2nd event that caused me to be delinquent relates to the investigation opened by XXXX XXXX after I filed my complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. This investigation is still going on since XXXX which means we are going on 10 months for a report that should have taken 30 60 days. The problem is that by XXXX XXXX taking their time and artificially extending. For XXXX XXXX to not have the foresight to expect collateral damages from a 9+month one-sided biased secret investigation while simultaneously sitting on revenue producing collateral turning it into a non-performing asset, speaks volumes about poor risk mitigation and XXXX XXXX failure to act in good faith. We are a small business and how can any business customer withstand no communication from their banker when the business is ready to spoon feed the bank ( XXXX XXXX ) with offers to provide working capital? I am sure XXXX XXXX would not do this to their customers that they covet and I expect the same treatment because had I know the SBA loan would lead to XXXX XXXX taking the profit and not be willing to help me and my small business, I would have passed on the SBA loan, 3 ) TAXES - The 3rd event that caused me to be delinquent relates to taxes due to taxing authorities. XXXX XXXX XX/XX/XXXX Resolution Report which supposedly XXXX XXXX assumed was a complete report but the repot was not thoughtful and thorough as noted n the report prepared by XXXX ; these inconsistencies are noted in a previous complaint so no need to repeat them here. In addition to this, I will end up being delinquent on my IRS installment agreement in the next 2 3 months 4 ) SITTING ON COLLATERAL - The 4th event causing me to be delinquent relates to XXXX XXXX sitting on my revenue producing collateral ; here is the problem with this logic from the # 4 bank and # 1 SBA preferred lender in the country... by sitting on revenue-producing collateral which turns it into non-performing collateral, XXXX XXXX still refuses to provide working capital and ironically ignored the lenders/investors I sent to them and/or dont want to let any other 3rd party lender/investor have access to all of the collateral so that they can provide working capital. Now XXXX XXXX will say I dont have cash flow to cover the debt service on any working capital XXXX XXXX might be able to provide but they conveniently overlook the fact that they are the cause of me not having working capital The above 4 events have caused the following significant additional collateral damage : 1 ) No longer interested XXXX XXXX in the XXXX XXXX SBA Dept. asked me to go back and revisit lenders that were ignored during the 9+ month biased one-sided secret investigation wasting my time because I had to revisit the same lenders who were ready to provide working capital. So I did that and the 2 best options, XXXX XXXX and the XXXX XXXX XXXX XXXX, got back to me week ending XX/XX/XXXX letting me know that the private money fund targeting small businesses located in rural areas no longer has the funding they ran out of funds and will have to wait for 12 24 months to get additional funding. THIS WAS TOTALLY UNNECESSARY AND COULD HAVE BEEN AVOIDED 2 ) Customer orders during the 9+ month investigation, I asked for guidance on committing to customer orders because I had the funding lined up and no one at XXXX XXXX replied. So now we are in danger of losing these customers which further damages our reputation.
3 ) Business loans outstanding : there are 3 loans outstanding and 2 of the 3 are delinquent and the 3rd will be delinquent over the next couple of weeks : 1 ) predatory lender XXXX is suing me, 2 ) XXXX XXXX term loan I defaulted on this one on XX/XX/XXXX and 3 ) XXXX line of credit looks like I will default on this one in a couple of weeks.
4 ) Personal Credit Cards since my ability to earn a living was taken away, I could not make even the minimum payments so both of my personal credit card accounts were closed by XXXX. This is devastating because I need at least one credit card for personal and business use.
5 ) Ruined my family 6 ) Ruined my reputation 7 ) Supply Chain Vendors took me off of 30-day terms and put me on cash terms The above events, especially the 10 + month investigation report done in secret and was biased, have caused significantly more collateral damage. During this unconscionable 10+ month report, I compiled huge orders packaged with lenders and investors ready to provide capital to my business and the only thing needed was a good-faith discussion with XXXX XXXX to subordinate their collateral position and I did not get one single response to any of my initiatives to let XXXX XXXX know I have a solution to the problem I had nothing to do with. No one called me until my sewers got on the phone and complained to XXXX XXXX by phone.
SUMMARY The above events clearly locked me out of generating revenue and earning a living. This could have been avoided and now things are much worse. When you sit on revenue-producing collateral and turn it into a non-performing asset while losing sight of the obvious consequences ( discussed above ) because you are so busy worrying about protecting your profit and exposure at the expense of the SBA taxpayer-funded SBA program and at the expense of small businesses, XXXX XXXX has failed to act in good faith, then I should not be responsible for this loan going wrong. You dont treat any of your other customers this way and we should be no different especially if XXXX XXXX is part of the SBA program ; 9 + months of silence knowing I initiated contact with solutions to get my business back on track is unacceptable.
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01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX VIOLATION OF XXXX XXXX Code XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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07/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XX/XX/XXXX I lost a motor in my XXXX XXXX. After careful consideration and looking at the cost to replace the motor we decided to move forward with locating a new truck.
On XX/XX/XXXX I contacted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI In regards to stock number XXXX #. XXXX XXXX XXXX
I explained to XXXX that we where in dire need to locate a truck ASAP as I had been out of work for almost 8 months due to an accident on the job.
I expressed interest to have XXXX to email me what the warranty covered as well could there be additional years added to the truck!
On XX/XX/XXXX After waiting Three days with no correspondence from XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX reassured me that he would have his used truck manager XXXX call me first thing Monday morning.
On XX/XX/XXXX XXXX contacted me via telephone we had a very good conversation.
I explained to XXXX that I had found a truck that I was interested in but had not got the sales person XXXX XXXX to return any info on the truck. Out of respect to XXXX XXXX XXXX said he would reach out to XXXX as he did not wish to step on anyones toes reluctantly I agreed. I did receive an email from XXXX XXXX later on that morning with the warranty information attached. Only after XXXX intervened.
After negotiation we settled on a price to include a two year Red oval warranty of {$54000.00} with {$11000.00} down payment.
I drove up from XXXX to the Wisconsin location on XX/XX/XXXX I took the truck for a test drive and sent a text To XXXX XXXX with a list of items that needed to be addressed prior to us moving forward with the purchase of this truck. XXXX was not present there was another person who took me on a test drive who knew absolutely nothing about the truck any of its functions and could not even answer basic questions.
On XX/XX/XXXX XXXX we were preapproved through XXXX XXXX. I expressed my concerns with the items that I had found wrong with the truck at this point there was still nothing fixed or even addressed. XXXX told me they would not even address anything until I was approved on the trucks finance. Again I reiterated to XXXX the urgency of us to obtain a truck. Though correspondence via text we still did not know until late Sunday night that we were going to be able to pick up the truck XX/XX/XXXX On XX/XX/XXXX my wife and I drove up to Wisconsin to receive delivery of the truck. XXXX never showed us any operating functions Of the vehicle.
basically we met him and signed paperwork and received delivery. At the point of delivery we were told XXXX would would need to set up an automatic withdrawal from our checking account. I questioned this and I was told by XXXX that I could contact the finance company and I could probably change the date to make it more convenient for me that simply is not true.
XXXX and I had determined that XXXX XXXX in Wisconsin would not be able to perform the repairs needed in a timely fashion. so I excepted delivery of the truck with the condition and, contingency that I would be able to go to XXXX XXXX in XXXX On Tuesday, XX/XX/XXXX to have the repairs done XXXX set this up as a convenience to me.
We dropped the truck off on XX/XX/XXXX at XXXX XXXX location XXXX, Illinois I dealt with XXXX XXXX XXXX he assured me that they would fix whatever was needed to make the truck compliant.
On XX/XX/XXXX we picked up the truck from XXXX location XXXX, Illinois after receiving the bill I was told The cost was almost {$7000.00} worth of repairs most of which was ran through my warranty.
On XX/XX/XXXX I went to start the vehicle after a battery check was performed and 1 battery was replaced at XXXX XXXX in XXXX the truck would not start. I had to call a wrecker to have them start the unit. Which cost me additional funds to do so.
I texted XXXX on Saturday morning in regards to this issue I never got a response back I had to call him on Monday XX/XX/XXXX On XX/XX/XXXX I arrived at my new place of employment were they conducted a DOT inspection of the vehicle only to find a leaking wheel seal and a bad bearing on that axle, in addition to a cracked torsion bar on the axle. After The third DOT being performed on this truck since XXXX of last year.
Again I contacted XXXX at the XXXX, Illinois On XX/XX/XXXX I contacted XXXX XXXX I spoke with XXXX XXXX.
I expressed my concerns about my payment being due XX/XX/XXXX I explain the situation about the absorbent amount of repairs that had been been done to this truck and that It had put me out of work for two weeks.
I requested they the redo the loan documents and was told by XXXX XXXX that they would charge me a new load doc fee again if re-did the loan of {$500.00} After a lot of going back-and-forth with XXXX XXXX.
I was assured that they would work with me and was told by XXXX XXXX that I had a Grace period to pay the loan. I repeatedly asked multiple times in multiple conversations with XXXX XXXX clarifying that this would not go on my credit report it would not affect me negatively. XXXX XXXX assured me that it would not.
Unfortunately I did not get that in writing in hindsight.
On XX/XX/XXXX I went to purchase a new trailer for my business.
I applied for a loan through XXXXXXXX XXXX. The loan officer contacted me the following day and told me that I had delinquent credit from XXXX XXXXXXXX XXXX. Up till this point I had no knowledge of this.
On XX/XX/XXXX XXXX I contacted XXXX XXXX At XXXX XXXX.
I explain to XXXX that there was A negative report on my commercial line of credit on XXXX XXXX
After going back-and-forth reluctantly XXXX XXXX provided me a letter from XXXX XXXX XXXX stating that I had paid as agreed and that I had paid on time.
I requested XXXX XXXX to remove this from XXXX XXXX and reminded him of our multiple conversations that this would not negatively affect my credit and that XXXX XXXXXXXX XXXX would not report it as delinquent. He absolutely refuses to remove it. XXXX XXXX told me that they could not remove this from my credit report. That XXXX XXXX was the only one that could remove it. So I called XXXX XXXX Directly the following day.
I spoke with XXXX XXXX in their credit reporting department and she told me they could not remove it that only XXXX XXXX could do so. Case number XXXX XXXX XXXX number.
In closing I filed a complaint with XXXX XXXXt.
XXXX XXXX responded stating that the information was correct and there was nothing to change. So I requested to speak to his supervisor XXXX XXXX I have called him on several occasions and he has never returned my call.
In conclusion on XX/XX/XXXX I received an email from XXXX XXXX stating that XXXX XXXX agree to remove the delinquent payments but they would not report any additional payments moving forward. This is a 32 month loan I have made 4 payments total. From the start of the sale to the end of the sale through the whole process I have been lied to by the sales person by the repair people in the shop by the financial institution that financed the truck. There is also an outstanding repair bill that they agreed to pay in the amount of {$1200.00} to date they have not paid the service advisor in XXXX offered {$200.00} of the bill.
Thank you for your time and consideration sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
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07/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX XXXX XXXXXXXX XXXX sent letter saying Mortgage is being transferred to XXXX XXXX effective XXXX.
Receive Mortgage XXXX statement on XXXX that states I owe {$1000.00}.
Made payment to XXXX XXXX ( XXXX ) on XXXX for the amount of {$1000.00}.
Receive Mortgage XXXX statement on XXXX that states I owe {$17000.00}. Made a call to XXXX XXXX on XXXX had to leave a message to call back.
XXXX XXXX called and said that I was still on Pandemic forbearance, in which I told her that was resolved last year, then she said " Congratulations '' and she said everything was fine.
Receive Mortgage XXXX statement on XXXX that states I owe {$16000.00}.
Receive an " Escrow review statement '' saying that my new Mortgage payment Starting XX/XX/XXXX will be {$1100.00}.
Made payment to XXXX XXXX ( XXXX ) on XXXX for the amount of {$1000.00}.
Made payment to XXXX XXXX ( XXXX ) on XXXX for the amount of {$1000.00}. When talking to XXXXXXXX XXXX when making the payment I told her that the amount of {$1100.00} was wrong and she told me that I have to call next month.
Receive Mortgage XXXX statement on XXXX that states I owe {$6400.00}.
On XXXX We received a letter saying that they did not find any error in a payment history and we still owe XXXX payment in which we sent in out bank statement for that month.
XXXX I called XXXX XXXX to make payment and she sent me to Loss Mitigation to make a payment in which I did for {$1000.00} Receive Mortgage Loan statement on XXXX that states I owe {$6400.00}.
This email sent to XXXX XXXX : Good Morning XXXX, I received a bill for {$6400.00}. I thought this was resolved. Back on XXXX I talked to to XXXX and she said everything was resolved. Can you please make sure of this ASAP.
In XXXX we are going to apply for XXXX loans for my Daughter and I can not have this in the way of the application.
Please reply all to this email.
XXXX : Left message on XXXX @ XXXX, XXXX, XXXX XXXX : Sent email @ XXXX, XXXX, XXXX Sent another Email on XXXX Rec. this email on XXXX : XXXX XXXX, XXXX, were waiting for the XXXX XXXX to address the issue. Both XXXX and I have submitted requests to review and update the account to reflect the correct next payment due date.
The turn around time is approximately 10 business days. I apologize for any inconvenience this may cause.
email sent XXXX : Good Morning, What day did you and XXXX submit the requests to review? No Answer Asked again on XXXX : Good morning, What day did you and XXXX submit the requests to review?
Please reply all to this email answer email XXXX : XXXX submitted XXXX an Escalation to the modification department and to request a modification review on XX/XX/XXXX.
I submitted another request on XX/XX/XXXX for a modification review.
Ive also submitted an escalation request to my manager.
I apologize for any inconvenience. Im working on getting the issue resolved as soon as possible.
XXXX made payment of {$1000.00} Email XXXX : Good Morning, I made a payment today of {$1000.00} and the prompt said I still owe {$6400.00}. I am really starting to get very concerned about this. My wife and I do NOT want it to come down to the last minute before we apply for XXXX loans and get declined of those applications because of this outstanding balance. Tomorrow has been a month and this issue should of been resolved.
Can I please have the name of your manager and his/her direct phone number, so I can talk to he/she about my major concern.
email XXXX : XXXX submitted both an Escalation to the modification department and to request a modification review on XX/XX/XXXX. I submitted another request on XX/XX/XXXX for a modification review. Ive also submitted an escalation request to my manager.
I apologize for any inconvenience. Im working on getting the issue resolved as soon as possible.
On XXXX I ask them to call me. Again I asked them to call me on XXXX rec email XXXX : XXXX XXXX, Per our conversation, I will find out what the turnaround time is to get the next payment due date corrected now that theyve determined the cause.
My Supervisors name is : XXXX XXXX Email : XXXX She is diligently working on a resolution as well as her superiors. Wed all like to see this resolved.
I apologize for any inconvenience and appreciate your patience.
This is the email I sent : Good Morning XXXX, I appreciate your hard work to resolve this issue. But my wife and I have been dealing with this since XXXX XXXX and told numerous times it was resolved. My wife received a certified " Notice of Default and Intent to accelerate '' letter saying that we owe {$5300.00}. My wife started to cry. This was upsetting to me. I spoke to XXXX and she told me that there is a " clich '' in the system and it would be resolved. I asked XXXX I need a date ( s ) that this will be resolved and I have not received it. My daughter just graduated XXXX and she is going on to college. If this bad situation is not resolved, it will hinder the application of student loans and I CAN NOT ABSULUTELY have that happen.
Please email back ( please reply all ) on exactly what is going on and please include dates.
XXXX received The Loss Mitigation Application in the mail XXXX sent email to XXXX XXXX Received a Mortgage Loan Statement for {$7500.00}. Also late charges of {$29.00} Sent email XXXX : Good Morning XXXX, I received the new bill ( statement ) and it says I owe {$7500.00}. Also, I paid my XXXX statement on XXXX and you guys charge me a late charge of {$29.00}... please explain. I figured out the XXXX business days when this will be resolved and it will be XX/XX/XXXX, do you agree?
XXXX received " Notice of Default and Intent to accelerate '' letter in the mail Sent email XXXX : Good Morning, It has been 9 business days. Everything has been resolved, correct?
Sent email XXXX : Good Morning, We received another letter telling us we owe {$6400.00}. PLEASE tell me what is going on. I have been emailing you and I have not received any emails back from you. Please reply all.
XXXX Sent email to XXXX XXXX Made a payment of {$1000.00}.
XXXX received " Notice of Default and Intent to accelerate '' letter in the mail XXXX XXXX called me and said to XXXX reverse the book modification and have to re apply the payments. Does not know when completed maybe 5-7 business days to be completed.
Return email from XXXX XXXX XXXX : Per our phone conversation, my manager has changed, her name is XXXX XXXX XXXX you may have spoken to XXXX in the past.
Her direct contact info is : XXXX.
As I said we are working to get this issue resolved and I will continue to monitor the situation and let you know the progress.
I apologize for any inconvenience this has caused.
If you have any questions or concerns, please let me know.
XXXX received " Notice of Default and Intent to accelerate '' letter in the mail XXXX received a Mortgage XXXX XXXX for {$7500.00}.
XXXX XXXX called me and said that there was a XXXX extension was approved on XXXX and the modification got undo and have to redo the modification. There is still no change.
XXXX made a payment of {$1000.00} to XXXX XXXX that said that XXXX was made on XX/XX/XXXX and there nothing Done. Also, XXXX submitted a credit dispute.
XXXX XXXX XXXX XXXX XXXX XXXX He called me and said my Modification was rejected. Then he put me on hold and Hung up on me.
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01/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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This is second CFPB complaint I am filing and this time really need CFPD officer to look out in this case personally and investigate as XXXX XXXX XXXX is now really harassing me with their inefficiency to take care of 4 year good performing customers like me and I am getting tortured some way or other!
In my previous CFPD complain, I have explained why my monthly payments that were going regularly by auto debit for last four years didnt go after XX/XX/XXXX. Again I am explaining, I was traveling out of city and I moved out of my old place. During my travel period my business credit card on file for auto debit got compromised and stopped by the bank. I got no intimation from XXXX XXXX that my monthly payments. Main point to note here is XXXX NEVER called me even ONCE to check why suddenly 4 years old account stopped operating, guessing something is wrong!
In XXXX, when I was filing company tax returns I called Citizens for the statement and I came to know about the situation, I called bank several times, bank Never called me at that point too and its was me who 'Ensured ' that all my pending payments are made and account is good. Also at that time i gave my new card details to use for next monthly payments.
At this point, all payments were cleared by me and it was clear I always wanted to pay the money and any delayed payments were not because of my mistake.
XXXX XXXX XXXX didnt even updated my phone number and address when I informed them earlier. This can be proven that in XXXX even after repeatedly calling and giving my new phone number and address it was still not updated. I called at least 5 times to get it updated. I can get call recordings from my phone service provider to prove this.
XXXX XXXX has very bad customer support who are absolutely inefficient people. For their inefficiency I should not be penalized. Had my phone number and address updated efficiently, i would have at least got communication about my payment issue.
I requested bank to reverse the late payment reportings and Chairmans office manager XXXX repeatedly keep denying to reverse the late payment reporting. I want CFPB to look into this matter. Late payment reportings should be for the willful defaulters who really dont want to pay the money or who didnt had money to pay. I always maintained balances in my account to pay the bank, bank failed to collect the money.
On top of this I have to go through another torture by XXXX XXXX. I was told in XXXX when i cleared all the pending payments, that my next payment is due in XXXX and I have already given my new card to put on file. I maintained money in my account and was worry free that everything is again smooth. But with inefficient operations of the bank, I was again put in trouble.
I had to go to LA for my project over the weekend on XXXX XXXX and on Friday XXXX XX/XX/XXXX morning I realized my car was not in its driveway. Here are the rest of facts : I was horrified that my bmw is stolen but first thing i did was to call XXXX XXXX to find out if this is anything to deal with my loan ac. When I called they have put me on 45 min on hold and did not even confirmed that my vehicle was repossessed. He told me to call back!
I have to call three times that day just to get confirmation that my vehicle was repossessed It was at XXXX XXXX they confirmed that vehicle is repossessed for non-payment of just two installments I asked them why there was no phone call before they did such a severe action they said they are not required to call!
When I asked there should have been some communication from the bank for their intention to pick up the vehicle before such action, customer service lady on phone said that they have sent the letter of intent to pick up vehicle before they picked up the vehicle but there was none!
Later when I spoke with XXXX from Chairmans office, she told that they do not send the letter of intent BEFORE they pick up the vehicle but they send it after they pick up!
Please notice, two different answers by two officials to cover up their side.
Also, Chairmans office officer XXXX threatened me that my vehicle will be sold in auction if I dont clear repossession case soon just four days after vehicle pick up On Friday XXXX, when I asked to connect to the same officer with whom I spoke earlier in XXXX they kept dening and kept me on hold for long time again and again to even to talk with an officer and finally connected me with different officer This officer spoke for two hours on phone and I wanted to make the payment of charges to take back my vehicle right away but he didnt took my payment by card like last time officer took and closed the case immediately on the spot This XXXX transferred me to another lady to take a payment, who said I have to go the bank to make bank transfer When I went to bank for bank transfer then she says bank transfer will take THREE HOURS to get the money ( which is false when I spoke with bank they said money goes right away ) and told me to go do XXXX transfer I have to run pillar to post without car, somehow I made my way to XXXX XXXX on the phone was yelling at me from XXXX XXXX even when I was in the bank trying to do the transfer when office who transferred me to her told me that they work till XXXX XXXX. I request CFPB to listen to these calls.
When i was at XXXX XXXX, lady kept giving me wrong direction to make the payment and the payment not going through and she HUNG UP ON ME " This entire senario tells that bank officers DIDNT WANT TO COLLECT PAYMENT BUT HARRAS ME AND MAY BE GIVE MONEY TO TOEING PEOPLE TO GET SOME COMMISSION ''. I could have easily made payment on Friday and got my vehicle back if bank officers cooperated with me Also on Monday again the show started for the payment! Different officer was on phone who was at least good person and really gave me proper instructions and account details to make the fund transfer. Point to note these instructions were NOT GIVEN TO ME ON FRIDAY. I made payments according to her instructions and it was successful. This is very clear case that people on the phone on Friday didn't wanted me to make the payment and take vehicle back XXXX XXXX KEEP DOING THE SAME THING, THEY DON'T TAKE THE PAYMENT FROM CUSTOMER AND THEN TORTURE CUSTOMER either by taking possession of car or Late Reporting 's to the Bureaus.
Even after making payment, when I called repossession dept they kept telling they did not receive funds and when I called XXXX they said funds went to cit
izens bank immediately. I have to keep calling 3-4 times and finally to get confirmation from citizens lady of receipt of payment Then I have been given different calling numbers of local toeing agency to get my car who say we close at 2!
Plus I have been told to go to police station and get repossession letter to get my car, why??
When I got everything, local storage agency tells citizens bank has NOT RELEASED the car yet, and bank say we released. This drama went for another day!
I have to go through this payment and release letter drama for three days. Everybody on the call was RUDE AND RUDE.
Toeing agency give vehicle only before 2. This entire scene made me lose my work for a week!!!
Is this so much serious sin i made. What was my mistake both the times that XXXX XXXX gave me this TORTURE!
|
09/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
|
|
Web |
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I have been harrassed by servicer after letters and documents produced by XXXX XXXX XXXX XXXX. On XX/XX/XXXXEquifax mailed a letter stating that someone [ XXXX XXXX ] attempted to recreate a loan in the amount of {$55000.00} by creating a different identiy in my name or assumed as XXXX XXXX BOD XX/XX/XXXX. When in fact my name is XXXX XXXX XXXX BOD XX/XX/XXXX THey have also been paid by way of money order on XX/XX/XXXXas they requested.
NOTICE REMINDER OF PAYOFF PAID IN FULL DISCHARGE PAYMENT MONEY ORDER AS REQUESTED. Payment or payoff {$54000.00} was received by XXXX XXXX XXXX XXXX on XX/XX/XXXX Registration USPS number Tracking : XXXX and before thus XXXX XXXX XXXX XXXX received the payment or payoff on XX/XX/XXXXXXXX. Posting 90 days late on XX/XX/XXXXis deemed harassment and possible extortion.
On several occasions since XX/XX/XXXX I have recieved multiple emails and letters requesting new and more information for a student loan. See attached docs emails and letters. I called to ask what was going on and was suggested to ignore the emails and calls. I have recieved a numberous amount of calls emails and letters for offers of free money for college, so on and so forth. This is an internal issue for the Department of Education and the servicer XXXX XXXX.
I would like to file a complaint due to the amount of harassment and extortion produced by your agency as XXXX XXXX XXXX services. I spoke with XXXX a manager on XX/XX/XXXXconcerning the payments and payoff with XXXX XXXX and on the behalf of The Dept Of Education, whom have received multiple payments before and thereafter XX/XX/XXXX. As well the credit agency filed a complaint on this behalf due to attempts thereafter the Dept Of Ed receiving payment in full that your agency attempted to file late on the credit agency thereafter payment was mailed and received. As well the documents stated that after payment my private and personal information shall be deleted and no more attempts to contact communicate or create some form of verbal contract or written contractual documented be it by phone mail or email. In no way is this communication a form of contract only to prevent legal recourse and false documented information. Attached to this email are the correspondences during before and final. XXXX XXXX on multiple occasion attempted to file new agreements or contracts forbarrences please ceist this type of actions for they shall produce legal recourse against you. I have not allowed or given permission thereafter payments in full has been received by the US Dept Of Ed address of US Dept Of ED XXXX. XXXX, XXXX GA XXXX. Now I am dealing with Identity theft and have taken such actions against those whom have created this dilemma and those assisting is such illegal actions, and if its found that someone inside your agency is assisting in attempts to slander my good name and reputation I shall alert the authorities of such things asap. Please be advised there are no other forms of communication thereafter nor a log in account addressed hereafter XX/XX/XXXX after the payment was received anyone attempting to collect on this closed account shall be forwarded to the proper authorities and legal ramification shall be pursued. You have 10 business days to remove all false reports from credit bureaus.
XXXX XXXX XXXX I spoke with XXXX manager of the complaint department onXX/XX/XXXX and she stated if any harrasment persist that I could file a compalint.
Payment or payoff was received by US Dept Of Education on XXXX XXXX, XXXX Registration USPS number Tracking : XXXX and before thus XXXX XXXX XXXX XXXX received the payment or payoff onXX/XX/XXXX XXXX. Posting 90 days late on XXXX XXXX XXXX is deemed harassment and possible extortion. The Credit Bureaus have noted the account ( s ) closed as of XX/XX/XXXX, please inform me of why you are claiming that i am 90 days late when there have n't been a payment maid since XX/XX/XXXX and thereafter XX/XX/XXXXpaid in full? As well the documents presented shows interest owed on this alleged account and a new balance as if a forbearance has occurred some how without my signature or permission!
Done this XX/XX/XXXX I declare under penalties of perjury in accordance with the laws of the United States of America ( without the United States ) Title 28 U.S.C. 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, so help me.
iam IAM ' ; a Sentient being in living flesh operating in the outer expression ( 3rd Dimension ) as : XXXX, : XXXX XXXX : XXXX : : : a naturalized original descendant of the ancient, XXXX XXXX XXXX XXXX, and XXXX of the ancient western hemisphere ; the Real Party in Interest, First Lien Holder [ FRCP Title IV. > PARTIES > Rule 17 ( b ) ( 3 ) ( A ) ] of : XXXX, XXXX XXXX XXXX : ( a corporation sole ) doing business as ( d.b.a ) XXXX XXXX XXXX ( XXXX XXXX created XXXX XXXX, XXXX ). : XXXX ; XXXX XXXX XXXX : has attained the Age of Majority and is competent in His own affairs having in his possession the Authenticated Documents pertaining to the full and authoritative operation within His own Due Process and rights as an Indigenous Aboriginal and Registered Owner, Pursuant to the Minnesota Court General Rules of Practice - Rule 220 pertaining to Birth Certificates.Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent- All rights Reserved [ U.C.C. 1-308, 12 USC 95a ( 2 ) ]. As such He demands All of His unalienable rights at all times and does not waive any of His rights.
iam IAM ' XXXX XXXX XXXX XXXX and upon this ROCK ( Revelation of Common Knowledge ) I will build my CHURCH ( Comprehensive Historical Universal Revelation Combating Hopelessness ) and the Gates of XXXX ( Misinformation ) shall not prevail against it.
A new money order was sent to the alleged agency of XXXX XXXX XXXX on XX/XX/XXXX.
[ PRI ] VATE AND CONFIDENTIALITY-CLAIM : FOR THIS [ PRI ] VATE E-MAIL-MESSAGE WITH THE [ ATTACHMENT ( S ) WITH THE [ PRI ] VILEDGE-KNOWLEDGE AND/OR : CONFIDENTIAL-KNOWLEDGE IS WITH THE CLAIM OF THE SOLE-USE WITH THE VOLITION OF THE CLIENT-VESSEL ( S ) BY THIS [ PRI ] VATE AND CONFIDENTIALITY-CLAIM. FOR THE POLITICAL, PRIVATE, PUBLIC-ENTITIES, FEDERAL, STATE, LOCAL-CORPORATE-GOVERNEMENT ( S ), MUNICIPALITY ( IES ), INTERNATIONAL-ORGANIZATION ( S ), GLOBAL-ORGANIZATION ( S ), CORPORATION ( S ), AGENT ( S ), INVESTIGATOR ( S ), INFORMANT ( S ), ET. AL., AND & OR : THIRD-PARTY ( IES ) WITH THE CONS-PIRACY OF THE COLLUSION BY THE MONITORING AND & OR BY OTHER MEANS OF THE SPYING FOR THE COLLECTION OF THESE COMMUNICATIONS WITH THE LACK OF THE AUTHENTIC-AUTHORIZATION BY THE CONTRACT-PARTIES ARE WITH THE VOID-CLAIM FOR THE LACK OF AN AUTHENTIC-AUTHORIZATION FOR THE USE, [ RE ] VIEW, [ DIS ] COVERY- [ DIS ] CLOSURE AND : [ DIS ] TRIBUTION & TRANSFER OF THE KNOWLEDGE IN THIS E-MAIL. FOR THIS AUTHOR AND : SENDER OF THIS E-MAIL IS WITH THE CLAIM OF THE RIGHT OF A LIVING-SOVEREIGN WITH THE LACK OF THE [ A ] PARTHIED AND [ RE ] COURSE BY THE CLAIMANT. FOR AN OMISSION OF THE KNOWLEDGE IN THIS E-MAIL IS WITH THE LACK OF A CLAIM FOR A WAIVER OF THE OWNERSHIP-RIGHTS AND & OR : RIGHTS WITH A CLAIM BY THE AUTHOR.
FOR A CLAIM WITH THE PRINCIPLE IS WITH THE SAME-CLAIM WITH THE [ A ] GENT. FOR A CLAIM WITH THE [ A ] GENT IS WITH THE SAME-CLAIM WITH THE PRINCIPLE. XXXX XXXX XXXX
|
02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
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DELETE ALL LISTED BELOW INACCURATELY REPORTED INFORMATION XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$2700.00} {$0.00} {$2700.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2700.00} {$2700.00} {$2700.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Department/Variety and Other Retail Miscellaneous Department and Variety Stores Complete Department Stores Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$2700.00} {$2700.00} {$2700.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$2300.00} {$2300.00} -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$3200.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$3200.00} {$3200.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Unpaid balance reported as a loss by the credit grantor.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$3200.00} {$3200.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$3000.00} {$3000.00} -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$2300.00} {$2300.00} {$2500.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2000.00} {$2000.00} {$2000.00} Closed Date : -- -- -- Account Rating : Open Open Open Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Open Open Open Payment Status : Current Current Current Creditor Remarks : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Credit card Account previously in dispute - now resolved by data furnisher Payment Amount : {$67.00} {$67.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card Credit Card Payment Frequency : -- -- -- Credit Limit : {$2500.00} {$2500.00} -- Two-Year payment history XXXX XXXX Equifax Days Late - XXXX Year History XXXX XXXX Equifax XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$21000.00} {$21000.00} {$21000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Personal Loan Companies Auto Financing Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
-- -- -- Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX Term Length : XXXX ( s ) XXXX ( s ) -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$1500.00} {$1500.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1500.00} {$1500.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Placed for collection -- -- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment : XXXX XXXX XXXX Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$3000.00} {$3000.00} {$3000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3000.00} {$3000.00} {$3000.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Collection Services Other Collection Agencies Other Collection Agencies Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees .
Consumer disputes after resolution Subject has not satisfied debt.
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : -- -- -- DELETE ALL LISTED INQUIRIES WITH ALL CREDIT REPORTING BUREAUS NOT AUTHORIZED INACCURATELY REPORTING UNDER MY CREDIT REPORT.
Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX FD/PRIME LENDING A XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
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05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Dear CFPB & ALL MENTIONED PARTIES : XXXX, EQUIFAX, XXXX. I, XXXX XXXX XXXX 100 % ATTEST THAT I AM WRITNG & WROTE ALL FINDINGS IN THIS REPORT SOLELY BY ME AND ONLY ME. TO ALL MENTIONED PARTIES : XXXX, EQUIFAX, XXXX & HAVE PROVIDED PROPER DOCUMENTATION VERIFYING MY IDENTITY INCLUDING MY SSN, CALIFORNIA DRIVERS LICENSE, AND CREDIT CARD STATEMENT.
THIS IS A Metro 2 Letter of Compliance - Account Inaccuracies and Violations of Reporting Laws/ Failure To Respond ( 30 days ) Dear Sir/Madam, I am writing to provide additional information regarding my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate accounts listed on my credit report. Upon further review and consideration of the Fair Credit Reporting Act ( FCRA ), I have discovered that the accounts in question have also failed to respond within the 30-day timeframe as mandated by the FCRA.
This letter functions as my lawful and rightful consumer notice of recent and currently discovered items ) with potential misinformation not certifiably compliant in reporting and or else wise appears deficient in its reporting status ' as reported when reported.
Addtionally, this compte rendu represents my consumer rightful demand for adequate investigation reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately made a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!
I am writing you with this formal protestation versus claims ) made and a demand for swift action on your part. You are non- compliantly reporting wrongly to the main three credit reporting repositories and damaging my credit. You are with infractions ) of the FCRA aka the fair Credit Reporting Act. The surety of infringement should be subject to fines and damages. I am providing you but this one last fortuity for adequate modification of this alleged credit circumstance. Previously, I had sent you a letter advising you that you were inappropriately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to modify appropriately my file. Due toy our now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it resembles that my forwarded note was unexpectedly disregarded.
As per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute from a consumer, the furnisher of the information is required to conduct a reasonable investigation and provide a response within 30 days. However, the creditors associated with the following accounts have failed to respond within the allotted timeframe : Erase now or transmogrify as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the illicit claims following : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. XXXX XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. XXXX XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. XXXX XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. XXXX XXXXXXXX XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
7. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
9. Dept of Ed/ XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
10. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
11. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
12. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
13. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
14. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
15. Dept of Ed/ XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
16. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
In accordance with the FCRA and the Metro 2 Reporting Format, I hereby request that the above-mentioned accounts be deleted from my credit report immediately. The violations and inaccuracies associated with these accounts have been outlined in my previous correspondence and are summarized as follows : 1. Violation of FCRA Section 604 - Consent : These accounts were reported without obtaining my consent, as required by the FCRA.
2. Violation of FCRA Section 611 - Investigation of Disputes : The creditors failed to conduct a reasonable investigation and provide a response within the 30-day timeframe upon receiving my dispute, as mandated by the FCRA.
3. Violation of FCRA Section 623 - Duties of Furnishers of Information : The creditors have provided inaccurate, incomplete, and unverifiable information, which must be corrected or deleted under the FCRA.
I kindly request that the e-OSCAR system reads the provided codes accurately and initiates the necessary actions to remove these accounts from my credit report in accordance with the FCRA, or an intent to sue will be filed. I request that a handwritten carbon copied response to be sent out VIA USPS MAIL to my address, I also demand under the FCRA that each individual credit Bureau also send carbon copied responses to each other when communicating as required by law in handling the inaccuracies on my report fairly.
Thank you for your attention to this matter, and I appreciate your cooperation in rectifying these inaccuracies. I look forward to receiving written confirmation of the deletion of these accounts from my credit report.
Sincerely, XXXX XXXX
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01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX ( Partial account number : XXXX ), for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I asked this credit reporting company to investigate this report and they also failed to do an actual investigation. I hope that this time the request for information in this complaint will resolve any inaccuracies when submitted. The Fair Credit Reporting Act ( FCRA ) requires that collection companies provide validation and verification of debt before collecting on it. Specifically, Section 609 ( a ) of the FCRA requires that a consumer reporting agency ( CRA ) such as a collections company provide a consumer with such information upon request. I requested validation and verification of the debt they collected and never received it. In this complaint, because my request was never responded to, again, I am officially requesting validation and verification of the debt that was collected by XXXX XXXX XXXX
Detailed Request for validation of the debt : I am requesting a validation of the debt that was collected by XXXX XXXX XXXX along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. XXXX addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX XXXX assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt was valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector had the legal right to collect on the debt, including the signed terms between the creditor and collector ( XXXX XXXX XXXX ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector ( XXXX XXXX XXXX ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ). I request XXXX XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX XXXX fails to validate the debt, I dispute the reporting of this debt, and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
Detailed Request for verification of the debt : I am also writing within this complaint, a direct and official request for information from XXXX XXXX XXXX regarding the original contract of the debt that they collected. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX XXXX fails to verify the debt, I dispute the reporting of this debt and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX XXXX can verify the debt with the above request, I will accept the reporting as accurate.
It is important for XXXX XXXX XXXX to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX XXXX to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX XXXX must provide me with the information that is used to calculate my credit score.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of XXXX XXXX XXXX. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold XXXX XXXX XXXX accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting anticipated out of this complaint. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
Sincerely, XXXX XXXX
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04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a dispute regarding my credit report, which I believe contains inaccurate and incomplete information that is negatively affecting my financial standing. I request that you enforce the relevant laws and regulations to ensure the maximum possible accuracy of the information in my consumer report.
According to my credit report, my name is listed as XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX However, my correct name is XXXX XXXX XXXX. This error has caused me significant distress, as it has resulted in numerous discrepancies in my financial records, making it difficult to obtain loans or credit.
Furthermore, my credit report lists multiple addresses that are inaccurate or incomplete. My current address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX, but the report lists several addresses that I have never lived at, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. These errors have made it challenging for me to verify my identity, which is essential for obtaining credit or housing.
I believe that the credit bureaus may have violated several sections of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), Section 611 ( a ), and Section 611 ( b ). These sections require consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they include in consumer reports and to provide consumers with a free copy of their credit report once every 12 months upon request. Additionally, the FCRA requires consumer reporting agencies to promptly investigate any dispute regarding inaccurate or incomplete information in a consumer report and to correct or delete any inaccurate or incomplete information.
Furthermore, the credit bureaus may have violated Section 612 and Section 623 ( a ) ( 2 ) of the Fair and Accurate Credit Transactions Act ( FACTA ). These sections require consumer reporting agencies to provide consumers with one free credit report per year and to promptly correct any inaccurate information. Additionally, FACTA requires furnishers of information to consumer reporting agencies to report accurate information.
XXXX XXXX XXXX is reporting that the last verified date for this account was XX/XX/XXXX, but Equifax did not report any payment activity. Additionally, XXXX reported the date of last activity as XX/XX/XXXX, while Equifax reported it as XX/XX/XXXX. Furthermore, XXXX reported the date reported as XX/XX/XXXX, but Equifax reported it as XX/XX/XXXX. Both XXXX and Equifax listed the payment status as charge off, but I never received any notification from them regarding this charge off account, nor did they provide me with any paperwork.
This inaccurate and incomplete information is in violation of several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). FCRA Section 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they include in consumer reports. FCRA Section 611 ( a ) requires consumer reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request. FCRA Section 611 ( b ) requires consumer reporting agencies to promptly investigate any dispute regarding inaccurate or incomplete information in a consumer report and to correct or delete any inaccurate or incomplete information. Similarly, FACTA Section 612 requires consumer reporting agencies to provide consumers with one free credit report per year and to promptly correct any inaccurate information. FACTA Section 623 ( a ) ( 2 ) requires furnishers of information to consumer reporting agencies to report accurate information.
XXXX XXXX has reported on my credit report. According to XXXX, I was 30 days late on my account on XX/XX/XXXX, but I have not missed any payments on this account. Additionally, XXXX is showing that the account status is closed, while two other bureaus show it as open.
I believe that XXXX has violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), and potentially the Fair Debt Collection Practices Act ( FDCPA ).
FCRA Section 623 requires that furnishers of information to credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report. Section 611 ( a ) of the FCRA also gives consumers the right to dispute inaccurate information on their credit reports. If XXXX failed to maintain reasonable procedures to ensure the accuracy of the information they reported to the credit reporting agencies and did not investigate and correct any disputed inaccuracies, they may have violated the FCRA.
FACTA Section 312 amended the FCRA to require furnishers of information to CRAs to establish reasonable policies and procedures for the accuracy and integrity of the information they provide. If XXXX failed to establish such policies and procedures or provided inaccurate information to the CRAs without promptly correcting it, they may have violated FACTA.
TILA Section 164 requires lenders to provide accurate information to borrowers about the terms and conditions of their loans, including payment due dates and amounts. If XXXX provided inaccurate or misleading information to me about my account status or payment due dates, they may have violated TILA.
XXXX and XXXX XXXX XXXXXXXX inquiry on my credit report. The inquiry is inaccurate and has caused significant harm to my credit score and financial well-being.
As a result of this inaccurate inquiry, I have been denied credit opportunities, including loans and credit cards. I have also been subject to higher interest rates and fees, making it difficult for me to manage my finances and meet my financial obligations. This has caused me a great deal of stress and anxiety.
Under the Fair Credit Reporting Act ( FCRA ), I believe that this inquiry violates Section 607 ( b ), which requires consumer reporting agencies ( CRAs ) to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports, including inquiries. Additionally, Section 611 ( a ) of the FCRA provides me with the right to dispute inaccurate information on my credit report. I have not authorized SYNCB/LOWES to make this inquiry and therefore it should be removed from my credit report.
I may also have a claim under the Fair and Accurate Credit Transactions Act ( FACTA ), which requires CRAs to provide consumers with a free copy of their credit report once every 12 months. If the SYNCB/LOWES inquiry is found to be inaccurate or can not be verified, I have the right to dispute it with the CRA.
This inaccurate inquiry has caused me significant emotional distress and financial harm. I kindly request that you enforce the legal violations and remove this unverified account from my credit report as soon as possible.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
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01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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According to XXXX on XX/XX/XXXX a full investigation was conducted and that all accounts on my profile was verified from each company and are correct which I have found this to be false. According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. XXXX XXXX has failed to tell the truth and provide accurate and verifiable accounts that I asked to investigate because if that's true why are the following accounts listed below still inaccurate, why do accounts not show remarks that I even disputed these same items for 6 months straight, I asked for full investigation and I have yet to receive any updates via mail or email from XXXX XXXX a full investigation. I have submitted fraud report from XXXX, none of these companies presented a signature of me agreeing to debt or identification showing, besides statements and computerized typed name. I know this not right I have even bureaus more than 60 days to correct this and its still not.
XXXX XXXX XXXX XXXX XXXX over 120 days and XXXX as agreed. XXXX last reported XX/XX/XXXX, XXXX XX/XX/XXXX, Last active XX/XX/XXXX on XXXX and XXXX XX/XX/XXXX dispute remarks are not being present.
XXXX XXXX XXXX active XX/XX/XXXX and XXXX XX/XX/XXXX inaccurate without notification of my previous disputes.
XXXX XXXX XXXX dont match, balance on XXXX showing XXXX but XXXX showing XXXX last reported dates on XXXX shows XX/XX/XXXX but XXXX showing XX/XX/XXXX. Date last active XX/XX/XXXX on XXXX but XXXX om XXXX. No previous dispute indicator is present at all.
XXXX XXXX loan only showing on XXXX due to XXXX XXXX inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX completely different, amounts were incorrect but somehow adjusted after several disputes, last reported XX/XX/XXXX, on Equifax but XXXX showing XX/XX/XXXX. Last active showing XX/XX/XXXX Equifax but XXXX showing XX/XX/XXXX, this item was disputed several times but no dispute remarks at all. Payments on Equifax were red but XXXX showing payment was good.
XXXX XXXX XXXX XXXX XXXX deleted and later placed back on my profile without notify me within 5 days which is violation : ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information XXXX XXXX XXXX XXXX but open on others, last active shows XXXX on XXXX and XXXX on the other XXXX.
XXXX XXXX has only been disputed several times asking for proof of this collection and nothing has been presented. Im asking now for this account to be deleted since nothing has been presented.
XXXX but reporting under original not 3rd party not showing remarks of dispute, after several disputes was submitted. The original Creditor is not who has debt Ive been harassed by different companies other than the one on the credit report. XXXX different accounts showing as well if this accurate why havent the companies who are harassing been updated? A full investigation would have found this out. I have attached every account and proof an proper investigation was not conducted After many attempts of asking the bureaus to complete this for me. I'm demanding XXXX delete this immediately : along with still showing my previous address and inaccurate employer showing XXXX. They sending stall letters but received the information that was requested several times which is how they updated my current address in the first place, but still showing inaccurate address and inaccurate employer.
XXXX XXXX has not XXXX verified debt as stated according to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX but sold in XXXX?? How is this possible but credit report showing open date XX/XX/XXXX and last report and last active showing XX/XX/XXXX. And no dispute remarks are being present.
XXXX Auto Sales-Under the laws of the State of ( State of Repo ) UCC 9.506 and State XXXX XXXX XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. Was not provided any of this, and they have sent inaccurate information back to RESPONSE FROM XXXX!!!! USING INCORRECT NAME CFPB : Our records indicate XXXX XXXX XXXX entered into a finance agreement with XXXX Auto on XX/XX/XXXX. XXXX XXXX XXXX was provided with a Motor Vehicle Retail Installment Sales Contract which outlined the details of the agreement. XXXX XXXX XXXX signed the Motor Vehicle Retail Installment Sales Contract acknowledging full debt owed within the contract. The contract states that XXXX XXXX XXXX agreed that XXXX XXXX would maintain a security interest in the motor vehicle. XXXX XXXX XXXX vehicle was subsequently repossessed due to non-payment on XX/XX/XXXX. XXXX XXXX XXXX was provided with a Notice of Intent to Sell which outlined his right to redeem/reinstate the vehicle. The vehicle was disposed of and proceeds from the sale were applied to XXXX XXXX XXXX account leaving a deficiency balance. It is XXXX XXXX XXXX policy to provide all customers with a welcome letter which advises that we report to all three credit bureaus and will report payment history with our company. XXXX XXXX XXXX submitted a dispute through XXXX which XXXX XXXX responded to on XX/XX/XXXX updating the tradeline. The account was sold to XXXX XXXX in XX/XX/XXXX. We have determined that XXXX XXXX has complied with all applicable law and XXXX XXXX XXXX account was reported accurately. For XXXX XXXX XXXX record we have included a copy of her Motor Vehicle Retail Installment Sales Contract and Purchase Agreement. How was this verified with them saying the car was repossessed XX/XX/XXXX but sold in XXXX inaccurate information. How are they addressing me has XXXX XXXX that is not my name.
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08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXXXXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX To Whom It May Concern : This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act.
The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit report.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 3. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 4. This is a violation of 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to 5000 if t XXXX Account Number : XXXX FDCPA 807 FALSE AND MISLEADING REPRESENTATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION 5. Under 15 usc 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
6. This is a violation of 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to XXXX if t XXXX XXXX XXXX Account Number : XXXX FDCPA 807 FALSE AND MISLEADING REPRESENTATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT 7. This is a violation of 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to XXXX if t XXXX XXXX XXXX Account Number : XXXX FDCPA 807 FALSE AND MISLEADING REPRESENTATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION 8. This is a violation of 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to XXXX if t XXXX Account Number : XXXX FDCPA 807 FALSE AND MISLEADING REPRESENTATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION 9. The following personal information is incorrect Former : XXXX XXXX XXXX The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore, please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information as contained on the reported trade- line is in fact 100 % Accurate, Complete, Verifiable, AND Timely. Please do not provide some generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports.
There is clearly already a problem with the system as it is. In fact, one recent consumer study proved that over 79 % of consumer credit reports contain errors. Another report shows that more than 90 % contain errors. Why does your company continue to operate with such low standards of success?
My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, RICO, SSCRA, as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying with the above-mentioned laws and/or acts.
Your companys continued reporting of this derogatory item will be considered willful non- compliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any unnecessary legal expenses.
I have filed an attorney general complaint reporting your ignorance in processing this request and greeting your mistakes CORRECTED.
**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS OFFICE Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington , D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau via fax XXXX XXXX XXXX XXXX CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency
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08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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You continue to violate my rights by not doing an actual investigation included is proof.
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXXXXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. The inquiry was not authorized XXXXN Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
31. there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
32. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
33. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
34. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
35. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
36. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
37. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
38. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
39. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
40. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
41. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
42. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : CITY OF XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
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07/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements.
Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation.
The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.
Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system.
Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy.
The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.
Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.
Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period.
The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( XX/XX/XXXX) ( stating that, with certain exception, " if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period d es cri bed in item ( aa ), report the credit obligation or account as current " ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended.
rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires.
Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe.
The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disp
utes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.
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12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Equifax, XXXX and XXXX have been violating my rights as a federally protected consumer under the FCRA and The Privacy Act of 1974. 16 CFR 313.1 defines the purpose and scope of how consumer nonpublic information is to be treated since on or about XXXX. Specifically, 313.1 defines Purpose and scope as the following : ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure ... No opt-out notices nor disclosures to opt-out were provided to me as required by law and/or statute.
15 USC 1681 section 602 A states I have a right to privacy. 15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than the records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
My federally protected rights under The Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) were violated by the reporting the student loan accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, Privacy Act of 1974 which is a federal law that governs the collection and use of records federal agencies maintain on me in a system of records. This system of records is any grouping of information about me under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act of 1974, Federal agencies may not disclose information without my consent unless certain exceptions apply to the disclosure. The CRAs have not met the definitions of those " certain exceptions ''. Additionally, I have never provided written consent for my personal information to be disclosed to any credit report agencies, 3rd party, affiliates, and non-affiliates. According to The No Disclosure without Consent Rule, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.
Under 15 USC 6802-obligations with respect to disclosures of personal information, it states under subsection ( a ) Notice requirements it states that except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. By virtue of XXXX, Equifax, and XXXX having my personal information, they have violated this code along with the data furnishers, non-affiliates, 3rd parties, and/or bank ( s ), that supplied this information to all 3 major CRAs.
Additionally, under 15 USC 1681a ( d ) defines a Consumer Report as : ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. Additionally, 15 USC 1681a ( 2 ) defines Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Thus, the TRANSACTION HISTORY of the following accounts should be BLOCKED from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are listed as `` Collection '' accounts and under the IRS rules any account listed as a " charge off '' or in " collections '' is considered " income ''. Income is not to be reported on a credit report thus these accounts are to be removed and blocked immediately. Additionally, under 15 USC 6802-obligations with respect to disclosures of personal information, it states under subsection ( a ) Notice requirements that except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. The following accounts are being reported on my credit report without my knowledge or written consent, nor have they sent any documentation with my wet ink signature that demonstrates a financial relationship and/or financial obligation as to any debts acquired or owed to them by me. Those accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, 15 USC 1681, the Fair Credit Reporting Act provide for accurate reporting of information on my credit report. However the following accounts are listed in a duplicative manner and should be immediately removed, blocked and/or deleted to comply with the law governing accurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up XXXX person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is an ongoing dispute that XXXX continues to report on my personal consumer report while two accounts belong only to a business. This a complete violation of my consumer rights and it is unacceptable for them to continue to report to my consumer report inaccurately. Here are my letters explaining the violations. I have also added these letters to the online dispute to each credit reporting agency.
I have recently tried repeatedly to dispute two accounts that are being reported from XXXX in which is known to be XXXX XXXX XXXX bank. There are two accounts reporting that are completely business accounts and that have also been settled. Please note that these are BUSINESS ACCOUNTS! XXXX XXXX XXXX Bank is reporting these accounts on my personal credit as paid settled debts to continue to willfully defame my character on my credit report.
" A business '' is the owner of two accounts ending in XXXX and XXXX ( please see attached document showing paid settlement agreement ). Account ending in XXXX was paid and settled with " a business '' on XX/XX/2022 in the amount of {$3500.00}. Account ending in XXXX was also paid and settled with " the business '' on XX/XX/2022 in the amount of {$2400.00}. Please notice that my name is nowhere on this account as a responsible party or on the paid settlement documents.
XXXX XXXX XXXX Bank has reported to the CFPB that they have listened to a recording, which I am sure does not say that I agree to be the responsible party to either of these accounts. All verifications are supposed to be an original document in writing with my signature to be considered verified! Please see all violations that have occurred regarding these accounts on my consumer report.
This notice is to state that XXXX is in violation of several consumer right laws.
1. In pursuant of 15USC 1681a ( 1 ) I have the right to accurate and fair credit reporting!! These accounts are not reporting accurately nor are they reporting fairly on my consumer report. According to the FCRA 611 ( A ) ( 1 ) the credit reporting agencies are supposed to respond to my disputes within 30 days with PROOF OF ACCURACIES WITH SIGNATURES and so far, I have only seen that my consumer report has been updated several times only based on a response from XXXX that was not in writing, nor was I provided the acceptable proof needed for either account. This violation is also based on FCRA 605 ( c ), the running of the reporting period that is occurring on these accounts. These accounts are now re-aging each time based on the last activity XXXX is reporting, again, INNACCURATELY to the credit agencies!! This is being done willfully to defame my character and to keep my consumer report at a very low score interfering with my ability to pursue a loan or anything else I would like to do in the future. Based on 15USC1681 ( a ) ( 4 ), consumer reporting agencies need to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy and 15USC1681 ( b ), consumer agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I demand these accounts to be removed from my consumer report and blocked during the investigation period and thereafter as well, unless there is sufficient written proof that I am responsible for these accounts in any way provided to me. At this time, that proof has not been provided to me nor the credit agencies because no such proof exists! Please note, AGAIN, that attached are letters of PAID SETTLEMENT CONFIRMATIONS that came directly from XXXX XXXX XXXX BANK addressed to " the business '' for both accounts.
2. Furthermore, these accounts are also reporting very differently on each of the credit agency reports at the time I pulled them. This is likely the reason XXXX has been updating the reports recently still inaccurately. They are still not consistent with each credit reporting agency. For this reason, as well, both accounts should be deleted and blocked from reporting on my consumer report again. Please note that this is also a violation of 15USC 1681a ( 1 ) stating that my consumer report should be accurate at all times since the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system. For this reason, reporting inaccurate information on my consumer report makes it difficult for me to obtain future loans. This is clearly unfair. I have said this each time that Ive called the credit agencies as well as XXXX and have gotten nowhere. This is UNFAIR to me as a consumer! I am now stating this in writing! This will also be sent to the CFPB as well as the NC Attorney General.
3. If inaccurate reports from XXXX and the credit agencies willfully continue to report inaccurate account information for these XXXX accounts with XXXX ( accts ending in XXXX & XXXX ) on my consumer report, I will be pursuing litigation seeking relief and monetary damages that I may be entitled to under FCRA Section 616 & Section 617. These accounts must be deleted immediately. A copy of this letter as well as copies of the paid debt settlement letters for each account, the inconsistent report details on my consumer reports, as well as the CFPB complaint filed and unsatisfactory response from XXXX XXXX XXXX BANK will all become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with the demand to provide proof of accuracy for these accounts on my consumer report. Despite several calls and online disputes to the credit reporting agencies, the unverified items still remain on my credit report in violation of Federal Law beyond the 30-day investigation period resulting in my requesting a 3rd investigation in attempt to dispute the inaccurate information. You are required by federal law to have a copy of the original creditors documentation on file to verify that this information is mine and correct. In the results of the investigations of my disputes, you stated in writing that you verified that the accounts are being reported correctly. If XXXX reported that to you, where is the original signed documentation you received from XXXX as verification? You have not provided me with a copy of ANY documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to PROMPTLY DELETE all information which can not be verified from my consumer report!
The Law is very clear as to the Civil liability and the remedy available to me ( Section 616 and 617 ) if you fail to comply with federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
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12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX Original statement by Consumer Financial Protection Bureau : " On your side through lifes financial moments. Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' XXXXconsumerfinance.gov `` We're the Consumer Financial Protection Bureau XXXX dedicated to making sure you are treated fairly ... '' Really? Or is this an act of fraud? Let 's find out. In order to aid Consumer Financial Protection Bureau in accomplishing and fulfilling that promise, statement and agenda, starting today, XX/XX/XXXX until XX/XX/XXXX, I, the Consumer, Non-Trustee, Beneficiary of the Social Security Trust and Trust which has the XXXX Social Security Number assigned to it and a credit card issued by the Social Security Administration for use by XXXX XXXX XXXX with date of birth as XX/XX/XXXX, or XX/XX/XXXX, now accepts the stated offer-to-contract, quoted above, by Consumer Financial Protection Bureau and grants Consumer Financial Protection Bureau the permission to access all credit reports -- as communicated before, though these reports should not even exist -- for the Consumer, Beneficiary and Plaintiff to aid you in ensuring, or making sure, all negatives and/or damaging communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- are removed and indefinitely from the credit reports and fulfilling your statement : " On your side through lifes financial moments. Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' Consumer Financial Protection Bureau, contact the Consumer, Beneficiary and Plaintiff to obtain any further information you need to access the credit reports for the Consumer, Beneficiary and Plaintiff.
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Plaintiff.
v.
EQUIFAX, XXXX, XXXX Defendant.
Ignorance, or not, of the law is no excuse to break it. The disregard of the law by the Defendant, hereby additionally identified as " You '', Your '' and " Their '', is unjust, unfair, abusive, and severely damaging treatment inflicted upon the Plaintiff, hereby additionally legally and lawfully identified as the " Consumer '' and, more importantly, the " Beneficiary '' of the Social Security Trust and Account the Social Security Number and its Credit Card which has been assigned and issued by the Social Security Administration to the legal and lawful Beneficiary and Consumer and identified as the Plaintiff, by the Defendant. Defendant, Your approved reporting communications and illegal communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act FDCPA ) -- on and or in any report and or consumer credit report of the experiences -- 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) -- and alleged experiences -- 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) -- the Plaintiff has or has had with any person -- 15 U.S.C. 1681a ( b ) -- has consistently and continues to be evidence of You assisting in carrying out the unlawful and illegal offenses, crimes and violations against Consumer and causing severe personal injury and damages to Plaintiff and authorized representatives which causes the Consumer severe loss -- evidence is all of the many rejection and denial communications received over many years via in-person, face-to-face, electronic communications, and the United States Post Office mail system -- of funding , funds, cash, finances and extension of credit as well as acquirement of other properties which additionally causes the Consumer great duress in fulfilling the necessities of life for the Plaintiff. This reporting and reports -- of which you had no expressed consent by nor from the Plaintiff -- You created, established and maintain are evidence of Your violation of XXXX5 U.S.C. 1681a ( d ) ( 2 ).
The Defendant shall immediately remove all communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- from any present or current reports and all future reports regarding the Consumer stat, and forever keep it off. All that You have done and continue to do is abusive and evidence of Your already committed voluntary, willful and intentional personal damaging, illegal and unlawful acts and offenses against the Beneficiary, Consumer and Plaintiff which are civil and/or criminal offenses but not limited to the following : No Direct Consent ; 15 U.S.C. 1692 ( a ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ), Defamation ; 28 U.S.C. 4101 ( 1 ), Libel ; 28 U.S.C. 4101 ( 1 ), Harassment ; 15 U.S.C. 1692 ( d ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ), Fraud ; 18 U.S.C. 1001, 26 U.S.C. 7206, Aiding and Abetting ; 18 U.S.C. 2, Conspiracy : in all listed abuses, offenses and violations here ; 18 U.S.C. 956, which also means 15 U.S.C. 1692k ( a ) ( 1 ) ( A ) applies to You that is also an Accomplice and Accessory Before, During and After the Fact, Privacy Invasion ; 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), Negligence ; 15 U.S.C. 1681o and, therefore, Willful Abuse ; 15 U.S.C. 1681n.
All of which is, furthermore, proof of your intent to cause successful harm to the Consumer -- Your eleven violations created XXXX XXXX dollars ( {$11000.00} ) plus damages totaling well over XXXX XXXX XXXX ( {$100000.00} ) that has, thus far, been documented. For these violations and damages You have inflicted upon, caused and done and continue to do to the XXXX, the Plaintiff is owed a minimum of XXXX XXXX XXXX XXXX dollars ( {$110000.00} ) in reparations and will accept XXXX XXXX XXXX XXXX dollars ( {$110000.00} ), which has, thus far, been accounted for, from the Defendant in the form of a postal money order, or Post_Office-issued money order or check -- XXXXC.C. 3-104 ( c ) codified on State level -- are additionally legally and lawfully owed, stat, by the Defendant and to the Beneficiary, Consumer and Plaintiff at XXXX XXXX XXXX XXXX XXXX : Mail Hold - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX stat through the XXXX XXXX XXXX XXXX XXXX or XXXX a XXXX XXXX XXXX XXXX dollars ( {$110000.00} ) deposit into bank account for Plaintiff using routing number XXXX and account number XXXX to support the paperless society and environmental-friendly movements or causes : No Direct Consent ; 15 U.S.C. 1692 ( a ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ), Defamation ; 28 U.S.C. 4101 ( 1 ), Libel ; 28 U.S.C. 4101 ( 1 ), Harassment ; 15 U.S.C. 1692 ( d ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ), Fraud ; 18 U.S.C. 1001, 26 U.S.C. 7206, Aiding and Abetting ; 18 U.S.C. 2, Conspiracy : in all listed abuses, offenses and violations here ; 18 U.S.C. 956, which also means 15 U.S.C. 1692k ( a ) ( 1 ) ( A ) applies to You that is also an Accomplice and Accessory Before, During and After the Fact, Privacy Invasion ; 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), Negligence ; 15 U.S.C. 1681o and, therefore, Willful Abuse ; 15 U.S.C. 1681n.
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06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am making this complaint in regard to information being reported in my credit file that is causing me great financial despair. EQUIFAX is a private for-profit corporation who is acting under the disguise of a government agency, misleading consumers to believe they have a right to infringe on my privacy. Equifax have obtained my nonpublic personal information without my consent which is considered identity theft, to make a report about personal finances and sell it to other corporations and I receive no benefits.
Equifax have caused me to be denied access to my credit for my personal family and household benefit by reporting inaccurate and unverified information. Equifax have not produced any certification or surety bond from a registered agent of the corporation certifying that a valid and legal debt exists. Therefore, anyone who has a subscription can make any report on any consumer whether it is true or not. FURTHERMORE, I DO NOT HAVE A CONTRACTUAL AGREEMENT WITH EQUIFAX TO SELL MY INTELLECTUAL PROPERTY ( NONPUBLIC INFORMATION TO MAKE A PROFIT FOR THEIR FINANCIAL BENEFIT ONLY ). I HAVE NOT NOR HAVE I EVER RECEIVED COMPENSATION FROM ANY PROCEEDS OF SALE OF MY NONPUBLIC INFORMATION. THIS CONSTITUTES AGRREVATED IDENTITY THEFT AND FRAUD.
The financial harm I have suffered due to the Negligence of Equifax have caused me to be denied the use of my credit. Every time I apply for credit the creditor adverse notice refers me back to Equifax to correct any errors made. I am unable to obtain affordable insurance coverage for my vehicle due to Equifax making a report on me without my consent. My insurance company informed me that my premium is high due to my credit report. So, the financial impact goes far beyond me only obtaining credit. I want to move to a new career, but the position entails a credit check, due to adverse credit reporting of my nonpublic personal information by Equifax. I would also be denied future employment Equifax have failed to directly follow the federal compliance laws in accordance with FCRA and handling consumers personal private information. They have assumed a role and as a result have cost me serious injuries XXXX, XXXX, fear of losing an opportunity that has presented itself for me to better my life. I literally live in fear due to the distress of credit reporting by Equifax, if I need to obtain any credit to better my life, I am unable to obtain any benefit or opportunity because of Equifax making this report on my personal finances.
Equifax have not complied and have violated the following federal laws that was put in place to regulate and ensure fairness and accuracy of credit reporting.
My RIGHT TO PRIVACY is not a privilege it is a RIGHT GRANTED as a living human soul and federal law.
Equifax does not have any affiliated or common ownership with any financial institutions ; therefore, buying and or selling my nonpublic information is fraud and noncompliance. I am a victim because I have been directly and prominently harmed as a result of Equifax commission of offense, involvement in scheme to defraud me, conspiracy and pattern of criminal activities. ( 5 ) Nonaffiliated third party 15 usc 6809 ( 5 ) The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
[ 15 U.S.C. 1681b ] Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.
[ 15 usc 1681 a ( 4 ) ] ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
[ 15 usc 1681 a ( 2 ) ] ( a ) Accuracy and fairness of credit reporting [ 15 U.S.C. 1681n ] Civil liability for willful noncompliance ( a Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of [ 15 U.S.C. 1681o ] Civil liability for negligent noncompliance ( a ) Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of [ 15 U.S.C. 1681s ] Administrative enforcement ( a ) ( 1 ) In general The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this subchapter under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ) ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of XXXX, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.
[ 15 usc 1692 e False or misleading representations ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
Equifax is guilty of interference with commerce 15 usc 1 and 2 Deprivation of rights 18 usc 241 Conspiracy against rights and 242 Deprivation of rights under color of law Coercion 15 usc 1692 d - Harassment or abuse ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
And extortion 18 usc 1961 ( 1 ) racketeering activity means ( A ) any act or threat I have sent Equifax a notice to stop making a report on my personal finances and they have failed to comply. The FCRA and the graham leachy Bliley act clearly states that a consumer has a right to privacy. The private corporations are infringing upon my rights and freedom of liberty my personal life, my private finances are not for the profit of a non-government agency of which I receive no benefit. Equifax have committed aggravated identity theft by purchasing my private information from other corporations and then selling my nonpublic information to other corporations. I was not given any opportunity or notice to opt out of credit reporting. Equifax is actively engaged in extortion and coercion in advertising of nonpayment of debt for sale to influence payment, they are also engaged in making a report to disgrace and embarrass me the consumer which is a clear violation and noncompliance of FDCPA and FCRA. Equifax have caused me severe distress injuries and damages by reporting false and inaccurate nonpublic information in order to make a profit from using stolen identifying personal nonpublic information.
I HAVE ALREADY HAD MY ADDRESS AND IDENTITY VERIFIED BY THE NOTARY, EQUIFAX WILL USE IDENTITY VERIFICATION AS A STALL TACTIC TO AVOID FIXING AND REMOVING THE ADVERSE ACCOUNTS. EQUIFAX WILL SELL OR BUY MY INFORMATION WITHOUT PROPERLY VERYFYING BUT NOT CORRECT THEIR WRONG DOINGS.
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01/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I want to file a formal complaint against all three credit reporting agencies, Equifax, XXXX, and XXXX for inaccurate reporting, failure to fully investigate disputes, and believing that they have violated my rights in accordance with the FCRA. I am also filing a complaint against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ( XXXX ) for inaccurate reporting and lack of timely response to debt validation request. XXXX XXXX XXXX continues to report inaccurate information to my credit report as the true balance is {$0.00} due to the account being paid in full to the original creditor but XXXX XXXX continues to report a balance of {$1000.00}. The XXXX CRAs have continued to allow such inaccurate information to be reported as evidenced by constantly labeling my disputes as verified that this item has been reported correctly.
Initially, in XXXX of XXXX, I contacted XXXX XXXX directly regarding a collection account that was discovered upon checking my credit report. I informed them that there was a collection account noted on my XXXX report in the amount of {$1000.00} with their name/contact information. I spoke with a representative and acknowledged that I had no knowledge of the alleged debt and did not know who they are. At that time, I informed him that I wanted information regarding the debt so that I am fully informed, therefore requested validation of the debt in writing to my current address noted above. I waited patiently for the validation of this debt, but there was no response from XXXX XXXX XXXX. In fact, in XX/XX/XXXX ( please see attached screenshot ) the collection account was removed from my credit report because XXXX XXXX failed to validate the debt. However, on XX/XX/XXXX, XXXX XXXX sent a utility bill from XXXX XXXX ( documentation attached ) in an attempt to validate this debt. Clearly, the debt was not fully validated and I even reached out to XXXX XXXX directly. Needless to say, I never received additional information regarding validation of this debt.
Additionally, in XXXX of XXXX, XXXX XXXX XXXX added this collection account back to all three of my credit reports. However, Equifax, XXXX, and Transition failed to notify me ( via call or in writing ) that this account was being added back to my report. I am a little confused, is this not a violation? What happened to the 5 day rule of me being notified of an item being re-inserted on my credit reports? As a result of this collection account being re-inserted to my credit reports, I was denied a home loan as I was in the process of a pre-approval with a lender. This was very devastating for me and my family.
I made several attempts to resolve this issue with XXXX XXXX XXXX ; however, they were being very unreasonable and made every effort to continue to collect on this alleged debt and another debt from XXXX with promises to remove the account from my credit report if I pay off BOTH accounts in full. I spoke with XXXX at XXXX XXXX XXXX at this time.
Therefore, on XX/XX/XXXX, I reached out to the original creditor ( XXXX XXXX ) directly. I spoke with a representative and explained that I believe I do not owe any money on this account as this was an address that was shared with my mother, sister, and oldest daughter. I explained that we all have the same last and similar names. At this point, I was basically in tears on the phone and because I was tired of dealing with this and desperately wanted so badly to be able to qualify for a home, I paid the debt so that my credit report would not have any current delinquencies reflecting a balance. The payment had to be broken down into XXXX payments because the system can not take over {$1000.00} at a time ( per the representative reports ), so I made a {$1000.00} and {$22.00} payment. At that time, XXXX XXXX assured me that they would inform the collection agency ( XXXX XXXX XXXX XXXX ) that they no longer have ownership/transfer of the debt as it has been PAID IN FULL and to cease all collection efforts.
Moreover, XXXX XXXX XXXX XXXX updated my credit reports with only a {$23.00} payment credit. Therefore, across all three credit reports ( XXXX, Equifax, XXXX ), this collection account continues to be listed as delinquent with a past due balance of {$1000.00}. Given the latter, I have reached out to the credit bureaus, more specifically by filing multiple disputes in an effort to remove the inaccurate account from my credit report, explaining that the Balance is incorrect as it's reporting. I have sent multiple disputes to Equifax, XXXX, and XXXX to make them aware that XXXX XXXX continues to report inaccurate information to my credit reports. However, the credit bureaus continue to respond to my disputes by stating that your dispute results have verified that this item has been reported correctly. I have even gone as far as requesting their method of verification with my last dispute, dated XX/XX/XXXX requesting that they notify me on how this information was requested/obtained to verify this information? Who did they talk to directly? Again, all three credit bureaus failed to conduct an independent and reasonable investigation of my disputes to ensure the validity of the debt and honesty/integrity of this collection agency/account. I was NOT provided with their method of verification as requested, but rather another generic response of the dispute item was verified as accurate. This leads me to believe that the credit bureaus did NOT do a complete and thorough investigation because I provided CLEAR proof of payment ( please see my bank statement attached ) to prove that the disputed account balance has been paid in full to the original creditor on XX/XX/XXXX. Instead the collection agency has continued to report an incorrect balance and the credit bureaus continue to verify this inaccurate information, in turn further negatively impacting my credit profile and scores causing my financial standing to look poorer than it really is. I feel that this is an utter disgrace on ALL parties.
Thus, this is my formal complaint that Equifax, XXXX, and XXXX have falsely certified the accuracy of this account as the balance is incorrect and they were provided with proof to support my dispute of the balance being reported incorrectly. Therefore, they have failed to fulfill their duties, in return, violating my rights in accordance with the FCRA. This is unacceptable and very disappointing. Consequently, I have resulted in this formal complaint in hopes that the CFPB can assist in this matter so that I can receive a truer and accurate investigation of my disputes to help get resolution to this frustrating issue as these companies have caused and continue to cause me nothing but stress and hassle. Given the numerous violations and blatant disregard to do their job, I would like for this collection account to be DELETED/REMOVED from my Equifax, XXXX, and XXXX credit report so that I can move on with my life and continue to work towards reaching my financial dreams and goals. The presence of this inaccurate collection account as reported is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate your assistance in this matter.
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05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect CURRENT ADDR
ESS : XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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01/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have officially contacted Equifax a total of 4 times regarding unauthorized hard credit check inquiries, and yet they have willfully failed to investigate and delete the unauthorized hard checks from my report. This includes the previous CFPB complaint that was filed below. This is unacceptable, as the FCRA requires Equifax to investigate and remove fraudulent credit activity from my report.
YOUR COMPLAINT I have been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX and XXXX XXXX, so I keep a close eye on my credit report. On XX/XX/XXXX, I noticed several hard credit check inquiries on my credit bureau through Equifax. Those inquiries are : 1. XXXX XXXX, XX/XX/XXXX. I did not give this company permission to do a credit inquiry on this date, authorization was only given to XXXX XXXX XXXX XXXX to pull my credit. 2. XXXX XXXX, XX/XX/XXXX. I did not give this company permission to do a credit inquiry on this date, authorization was only given to XXXX XXXX XXXX XXXX to pull my credit. 3. XXXX XXXX, XX/XX/XXXX. I did not give this company permission to do a credit inquiry on this date, authorization was only given to XXXX XXXX XXXX XXXX to pull my credit. 4. XXXX XXXX XXXX, XX/XX/XXXX. I did not give this company permission to do a credit inquiry on this date, authorization was only given to XXXX XXXX XXXX XXXX to pull my credit. 5. XXXX XXXX XXXX XXXX, XX/XX/XXXX. I did not give this company permission to do a credit inquiry on this date, authorization was only given to XXXX XXXX XXXX XXXX to pull my credit. 6. XXXX XXXX, XX/XX/XXXX. I did not contact this company during this time, nor did I request a credit check through them. 7. XXXX XXXX, XX/XX/XXXX. I did not contact this company during this time, nor did I request a credit check through them. 8. XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I did not contact this company, nor did I request a credit check through them. 9. XXXX XXXX, XX/XX/XXXX. I did not give this company permission to do a credit inquiry on this date, authorization was only given to XXXX XXXX XXXX to pull my credit. 10. XXXX XXXX XXXX, XX/XX/XXXX. I did not give this company permission to do a credit inquiry on this date, authorization was only given to XXXX XXXX XXXX to pull my credit. 11. XXXX XXXX XXXX, Credit Check # 1, XX/XX/XXXX. I did not give this company permission to do a credit inquiry on this date, authorization was only given to XXXX XXXX XXXX to pull my credit. 12. XXXX XXXX XXXX, Credit Check # 2, XX/XX/XXXX. I did not give this company permission to do a credit inquiry on this date, authorization was only given to XXXX XXXX XXXX to pull my credit. 13. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I did not contact this company, nor did I request a credit check through them. 14. XXXX XXXX XXXX XXXX, XX/XX/XXXX. I did not contact this company, nor did I request a credit check through them. 15. XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I did not give this company permission to do a credit inquiry on this date, authorization was only given to XXXX XXXX XXXX XXXX to pull my credit. 16. XXXX XXXX, XX/XX/XXXX. I did not give this company permission to do a credit inquiry on this date, authorization was only given to XXXX XXXX XXXX Imports to pull my credit I sent Equifax a letter on that same day to dispute these hard inquiries on XX/XX/XXXX through certified mail with a signature return receipt ( attached to this complaint ). On XX/XX/XXXX, I received a letter from Equifax stating that they do not investigate hard credit inquiries, and all of them remain on my credit report ( attached ). Then on XX/XX/XXXX, I sent Equifax another letter through certified mail with a signature return receipt ( attached ) reminding them of their responsibility to research and verify incorrect information in accordance with the FCRA, and to provide verification or remove these inquiries from my credit report. On XX/XX/XXXX, Equifax sent me a letter ( attached ) stating again that they do not investigate hard credit inquiries, and all of them remain on my credit report. They did not provide any proof of how they verified these illegal inquiries listed on my credit report. Then, on XX/XX/XXXX, I sent Equifax a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these hard credit check inquiries or delete these items from my credit report. I also informed Equifax in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. So finally, on XX/XX/XXXX, Equifax sent me another letter stating that will not verify the information on my credit report, in violation of the FCRA and federal law.
ATTACHMENTS EquifaxInqVerificationMail.pdf ( XXXX KB ) EquifaxInqVerificationReply.pdf ( XXXX KB ) EquifaxInqLegalLetterReply.pdf ( XXXX KB ) EquifaxInqDisputeReply.pdf ( XXXX MB ) EquifaxInquiryVerification.docx ( XXXX KB ) EquifaxInqDisputeMail.pdf ( XXXX KB ) EquifaxInqLegalLetterMail.pdf ( XXXX KB ) EquifaxInquiry.docx ( XXXX KB ) EquifaxLegalLetterInquiry.docx ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond.
Their response should include the steps they took, or will take, to address your complaint.
Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.
Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.
COMPANY 'S INTERIM RESPONSE Dispute : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items. This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report.
Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items. The results of the investigation have been mailed to you, please allow XXXX business days for delivery. If you have any additional questions or concerns in regards to your Equifax Credit Report, please refer to the mailed revised copy or contact a Customer Service Representative at XXXX.
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05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Subject : Complaint Regarding Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX - ACCT : XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX - ACCT : XXXX ) ( Paid - {$0.00} Balance ), as well as the unauthorized third party agency XXXX XXXX XXXX XXXX XXXX and other unknown third party agencies, regarding the inaccurate personal information that they have reported on my credit report. I believe that their negligent reporting has resulted in significant harm to my financial reputation and has hindered my ability to access credit on fair terms.
Upon reviewing a copy of my credit report recently obtained from XXXX, XXXX, and Equifax, I was deeply disappointed to discover numerous errors and inaccuracies within the personal information section. These inaccuracies include incorrect addresses, outdated employment information, and erroneous account details. Naturally, I am deeply concerned about the potential impact these inaccuracies may have on my creditworthiness and overall financial standing.
Moreover, according to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency is permitted to include any adverse item of information, except for records of convictions of crimes that antedate the report by more than seven years. The inclusion of such inaccurate information in their reporting clearly violates this provision.
It is evident that XXXX, XXXX, and Equifax have failed to adhere to their obligation under the Fair Credit Reporting Act ( FCRA ) to provide accurate and up-to-date information. I have already brought these inaccuracies to the attention of XXXX, XXXX, and Equifax, but I have received no responses for 45 days or more, which is both concerning and unacceptable.
XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has continue to damage my credit score with XXXX, XXXX, and Equifax by refusing to remove a paid and closed account from my credit report, and has therefore caused me economic hardship.
I have formally given XXXX verbal notice, that I will exercise the rights bestowed upon me as a federally protected consumer by the Fair Credit Reporting Act ( FCRA ). As outlined in 15 USC 6802, I am hereby opting out of any and all authorizations, whether conveyed through written or unwritten means, verbally or non-verbally.
In addition, according to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information about a consumer to a consumer reporting agency if the person providing the information knows or has reasonable cause to believe it is inaccurate. Additionally, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes specified under section 1681b. XXXX, Equifax and XXXX have failed to uphold these reasonable procedures.
Furthermore, In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as XXXX, Equifax and XXXX are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information.
Also, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, DE XXXX - ( XXXX ) XXXX unlawfully contribute to disseminating my private information without sufficient notices. 15 USC 6802 ( b ) ( c ) specifies that a financial institution, can not disclose nonpublic personal information to a non affiliated third party without providing an explanation of how the consumer can exercise their nondisclosure option. The Furnisher failed to inform me of my right to exercise this option. And sold my personal information to a third party without notice verbal or written notice Additionally, in consideration to accounts, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXXXXXX XXXX , they are both in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ). This specifically includes : Subsection ( b ) under Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Furthermore, NCA ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have violated 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX has not furnished me with an OPT OUT notice before adding anything positive or negative to my consumer report.
I must emphasize that there are multiple errors throughout my credit report from all three credit bureaus, and it is my right, as protected by fair credit reporting laws, to have these accounts reported accurately. I have taken proactive measures to ensure the accuracy of my credit report, including regular monitoring of my financial activity, promptly addressing any concerns, and maintaining good credit habits. However, it appears that XXXX, XXXX, and Equifax have failed to fulfill their obligations in this regard.
Therefore, I kindly request the intervention of the Consumer Financial Protection Bureau in this matter to promptly rectify the situation. Specifically, I am requesting the following actions : XXXX ) Review the enclosed copies of relevant documents, including my credit report highlighting the inaccuracies.
XXXX XXXX XXXX XXXX XXXX 's, XXXX 's, and Equifax 's reporting practices and ensure compliance with the FCRA.
XXXX ) Promptly correct the inaccuracies in my credit report and notify me of the corrections made.
XXXX ) Take appropriate measures to prevent future instances of inaccurate reporting by XXXX 's, XXXX 's, and Equifax 's.
XXXX ) Investigate the XXXX XXXX XXXX XXXX XXXX unfair or deceptive acts or practices, as well as their continued negligence with regard to consumer privacy.
I want both of these reported accounts deleted of my report for inaccurate reporting under FCRA and violation of the Privacy Act of 1974, as all information reported must be 100 % accurate and properly disclosed ; and as part of their settlement XXXX XXXX is required to make restitution for this violation.
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05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
|
|
Web |
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The company has several misleading information, along with valid proof that theyve submitted proving that they do not indeed have original copies of any encounter that may have taken place with me. The company had sent letters to me that I requested however these are indeed forged fraudulent documents. In these documents they are suggesting that these are original copies with the correct information, the same information that theyve forwarded as their response to my claim which proves fraudulent information that was also sent to CFPB. Im going to break down how the information is indeed false using the information sent to me from them that was dated on XX/XX/XXXX, the response letter that was sent to CFPB as well as myself and the actual original contract that I have and have had some XX/XX/XXXX. This will prove not only did they forge documents, creating a lie about whats actually owed including changing the number of payments, payment amount, finance charge, amount financed, total of payment, total sale price, payments that were made and the correct amount that was made each time. For that portion, Im still working with XXXX XXXX which is the institute I was banking with at that time to grant me records to also prove that what was being paid is well over what was stated on the forged documents that were presented to me. Lastly, the company mentioned that I completed this transaction in person and singed documents via electronic signature. This is also invalid! Its a well known fact that any company using electronic signatures has to provide a verification code with that signature as this will prove authenticity of the forms and the date of its approval. As the company has stated in several documents that theyve presented, the encounter took place on XX/XX/XXXX. Ironically enough, theres a lot of missing information and unverified I formation on that last page that the company is stating I signed, starting with the signature. One, I did not sign electronically, two, theres no date next to my name nor was there a area to sign and print, just sign which was ironically done on a computer with no verification. Next, as I mentioned, the company did not provide a signature verification proving that I signed any documents electronically. The company did however list a code and date on the bottom of their documents that do not appear on the bottom of my documents. This document is the XXXX with a date of XX/XX/XXXX. Three year before I would even step foot anywhere near a XXXX, let alone step food in Texas.
At the top of this document it has the code numbers XXXX which is indeed at the top left hand corner of my documents however, in my documents the numbers arent cut off as they are in the documents that were sent to me by said company bringing more suspicion to these forms, leading me to believe even more that these forms were indeed forged and that contract was taken from someone elses account, the information was replaced with my name and number were made up and placed in to try and proved verification of debt.
On their said document which would be the Federal Truth In Lending Disclosure that I requested, their document which is supposed to be the identical page of the original has different font and size from the document I have, the name of the form was changed from Federal Truth In Lending Disclosure to Simple Interest Retail Installment Contract. Again, if this is indeed a copy of the original when did the title, font, sizing of the letters, cut of of the numbers in the upper corner and new mysterious code and date in the lower corner, change or come into effect?
Moving on the pricing, payments and dates issue. In that area, the only thing that was listed and matched the forms I have possession of would be the Annual Percentage Rate of 16.028 % and the beginning of when payments were to be made which was XX/XX/XXXX. Every other number on the form they sent me after that was wrong!
On their form that was sent, they listed a Finance Charge of {$10000.00}, a Amount Financed of {$20000.00}, a Total of Payments of {$30000.00} and Total Sale Price including a {$1500.00} down payment totaling {$32000.00}. Its also mentioned on their forms that were sent, 136 payments for the amount of {$220.00} starting XX/XX/XXXX and 1 final payment of {$220.00} ending XX/XX/XXXX totaling 137 payments total. However, on the documents that I have In the original XXXX folder, on the original document I have Different numbers. The following information : Annual Percentage Rate 16.028 % Finance Charge {$10000.00} Amount Financed {$21000.00} Total of Payments {$32000.00} Total Sale Price {$1500.00} down payment {$33000.00}.
140 payments of {$220.00} beginning XX/XX/XXXX and 1 payment of {$220.00} ending XX/XX/XXXX totaling 141 payments.
Theres also something underneath the security of interest on their page that isnt on mine. So this leads me to believe that no only do they not have the original document, but that they forged a document and sent it to me and to the CFPB lying about the information that they supposedly have on me and thats just the start of it. If they could easy crest documents and lie about accounts, it leads me to believe that this issue is an ongoing issue and has been for years. Which also leads me to believe, Im not the only one theyve done this to and this is why I began to look into this more and reach out for further assistance with CFPB and other firms.
As I mentioned, I am working with the bank I had at that time to obtain records as theres a proven fact that the vehicle was paid down even more and higher amounts were paid to the company, not the random amounts they created on a ledger and sent to be. I also have original receipts, including one with faded information but still legible. Merchant ID XXXX Terminal ID XXXX Credit Card used XXXX XXXX Invoice XXXX Batch # XXXX Approval Code XXXX Entry Method Swiped Followed by a second receipt with a receipt number XXXX store number XXXX payment taken by XXXX although on the documents that were sent by said company, it had an electronic signature of someone named XXXX.
This brings me to another letter I requested be sent which was the Explanation of Surplus. The company is standing on their case that I owe them {$7500.00} after the car was sold off at auction. Now as I was able to provide proof that theyve lied about the numbers, they created fraudulent documents and they are claiming that this is whats still owed. If theyre able to lie and create forged documents, how am I to truly believe that this is my debt? How am I to believe that they sold the vehicle and only received a certain amount? How am I not to believe that they received more but never applied it all to the account but instead out of greed, decided to go after more. I do not believe that the statements shared by the company is accurate as theyve already proven to myself and the CFPB that their word can not be trusted, nor can their documents. I will Not drop this matter until this company does what is right, take accountability for their actions and their lies and remove this inaccurate information from off of my account or I will continue to dig deep into this issue revealing what I believe is a scam.
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10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately : UNAUTHORIZED INQUIRIES REMOVED THEM XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : done XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX, Untitled {, Collection/Chargeoff, Consumer disputes- reinvestigation in progress Consumer disputes this account information Subject has not satisfied debt. } Account Name : Account # : XXXX, Untitled {, Collection/Chargeoff, Consumer disputes- reinvestigation in progress Consumer disputes this account information Subject has not satisfied debt. } Account Name : Account # : XXXX, have violated my rights.
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09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I had an account with XXXX XXXX that was closed due to error in XXXX. XXXX XXXX agreed to reinstate the account once the balance was paid in-full. XXXX XXXX sent the account for collection in late XX/XX/XXXX claiming the account was forty-two ( XXXX ) days past-due. On or around XXXX XX/XX/XXXX I spoke with the collection agency and notified them that I had stopped receiving bills. The collection agency enrolled me in automatic payments and filed a billing error notice on my behalf, letting XXXX know I had not received statements. XXXX never conducted a billing error investigation and then transferred the account to a second collection agency in XX/XX/XXXX. XXXX notified me of the change via e-mail and advised me to go through a different website to paymy XXXX bill. XXXX stated I simply needed my name and zip code to log into the system. The login information required turned out to be my name and full sixteen ( XXXX ) digit card number -- for the card that was cancelled XXXX XXXX, and that would not be reinstated, with a different card number, until the balance was paid in-full. I filed a billing error notice and a complaint with the CFPB in XX/XX/XXXX. XXXX failed to conduct a billing error investigation within proximity to that billing error notice thereafter. I filed another CFPB complaint against XXXX in XX/XX/XXXX and a CFPB complaint against the collection agency around the same time. XXXX allegedy CO the account on or around XXXX XX/XX/XXXX. They neither conducted a billing error investigation, nor The collection agency responded in early XX/XX/XXXX clearly highlighting a litany of legal issues I'd raised surrounding XXXX handling of the account to include violations of the FCRA, XXXX, the XXXX, and retaliaton for exercising my rights under those acts. They returned the account to XXXX effective XXXX XX/XX/XXXX and ceased all efforts to collect. XXXX brought the account current for XX/XX/XXXX sometime in XX/XX/XXXX or XX/XX/XXXX. The account continued to report as " pays as agreed '' until XX/XX/XXXX at which point XXXX began marking the account as XXXX ( XXXX ) days past-due. They then advanced the negative payment history by XXXX ( XXXX ) days until XX/XX/XXXX. I sent a billing error notice via e-mail to XXXX in early XX/XX/XXXX. The response I received stated the age of the alleged debt was too old for them to pursue and that a failure to pay would not affect my credit scores. XXXX then brought the account current in XX/XX/XXXX and but began reporting it as XXXX ( XXXX ) days past-due beginning XX/XX/XXXX. They have continued to advanced that reporting through present. The account allegedly reached a total of one-hundred XXXX ( XXXX ) days past-due in in XX/XX/XXXX, but is reported simply as a closed account with a past-due balance that increases at the end of every billing cycle, despite the account allegedly being charged-off on XXXX XX/XX/XXXX. XXXX provided a statement on or around XXXX XX/XX/XXXX claiming the errors in payment history were attributable to me having filed multiple billing errors and reiterated the account was charged-off in XXXX XXXX. XXXX responded to a complaint from XXXX on XXXX XX/XX/XXXX stating the account was not reported as having been charged-off because I was allegedly " enrolled in a payment relief program. '' I was not and am not enrolled in a payment relief program. If that were true, the payment history alleged, and furnished to the CRAs, by XXXX, would have caused me to be removed from the program after XXXX ( XXXX ) delinquent billing cycle. In fact, XXXX responded to a CFPB complaint on XXXX XX/XX/XXXX and acknowledged my issues with long-COVID, but within a few senetences denied any accomodations under a payment program. Moreover, on XXXX XX/XX/XXXX XXXX responded to another CFPB complaint stating " we are unable to locate a payment agreement from you. '' XXXX XXXX has taken very little responsibility for the XXXX ( XXXX ) years of errors ultimately claiming in XXXX XX/XX/XXXX they " were not responsible for the way the CRAs were displaying the account information furnished. '' That is a tacit acknowledgement by XXXX that the information they are furnishing to the XXXX is false/misleading/inaccurate/incomplete under XXXX XXXX Code XXXX, as interpreted by the Federal Court that has jurisdiction within XXXX XXXX of residence ( see : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And, despite XXXX claims that they are not responsible, XXXX XXXX XXXX makes clear they are culpable in this matter because the preponderance of the evidence, composed of the statements on XXXX XXXX XXXX the statements from the collections agent ( XXXX ), and the payment history as displayed, would lead ANY REASONABLE PERSON to conclude the information furnished by XXXX is XXXX XXXX XXXX and is NOT being reported with maximum possible accuracy. XXXX allegedly deleted the account/tradeline in response to a CFPB complaint filed XXXX XX/XX/XXXX. However, Equifax and XXXX continue to close out their " investigations '' using the information furnished by XXXX at the end of each statement closing, claiming to the CFPB that their obligations under XXXX XXXX Code XXXX ( XXXX ) constitute " non-monetary relief. '' If that were the case the information reported would continue to be false/misleading/inaccurate. This is what I've experienced with XXXX over the past XXXX ( XXXX ) years as someone that had a platinum card until XXXX cancelled the account in XXXX after misapplying a payment. This is the hardship I have been subjected to by XXXX as a XXXX African-American man that has additionally spent the past XXXX ( XXXX ) years recovering from XXXX ( XXXX ) separate battles with COVID and long-COVID, both of which are also considered XXXX under the XXXX. It is completely unreasonable to expect mail had been delivered reliably during XXXX considering the pandemic and politics that were at-play. Included in the attached documents are several articles covering a swath of XXXX that flat out say mail was slow and unrelieable. Under XXXX XXXX XXXX XXXX, SUBCHAPTER I, Part D : Credit Billing it states : " A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' XXXX article quotes the time to deliver mail from where I live to another portion of the country as taking XXXX ( XXXX ) days. So, given the delays in mail, it is not even reaosnable to expect that a statement generated on or around XXXX of any month during XXXX would be delivered within the minimum twenty-one ( XXXX ) days required. XXXX makes clear when it says Please note, your account is not eligible for paperless billing statements, which means I was reliant on timely periodic paper statements to pay on my account. And, even though I was proactive on numerous occasions with XXXX, by filing billing error notices, they continued to use unfair, abusive, and unlawful tactics that affect me to this day.
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06/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
I would formally like to file a complaint against Equifax for failure to properly conduct investigations and incorrectly or falsely verifying each negative account they are reporting on my consumer report as I have requested. I have been disputing several accounts on my consumer report since XXXX, and Equifax repeatedly states they have verified the accounts. I have sent several requests asking for the method of verification that Equifax used to verify these accounts ; however, they have not produced anything nor did they respond to any of the letters. Additionally, I sent letters to the creditors requesting the proof, copy of the statements showing payment history, and all other data they are reporting to the credit bureaus. I will be discussing in depth these findings below. I have attached some of these documents as supporting evidence that the late payments Equifax is reporting on the below accounts is incorrect data they are publishing and falsifying.
The first account Equifax refuses to update correctly is the XXXX XXXX XXXX XXXX. I sent a copy of a letter I received from XXXX XXXX XXXX stating they would remove the negative payment history reported on this account that was dated in XX/XX/XXXX. I sent a copy of this letter to Equifax on XXXX after Equifax failed to update the account when they received the information from XXXX XXXX. No action was taken on their part. I resent the letter from XXXX XXXX and requested Equifax to remove the negatively reporting information. I also reached out to XXXX XXXX again to have them communicate with Equifax. The sent another letter dated XXXX stating they would request the credit bureaus to delete the negative information/late payments. This time was successful and Equifax deleted the late payments reporting on this account from on XXXX. Equifax re-added the negative information/late payments on the account on XXXX reflecting late payments for XX/XX/XXXX through XX/XX/XXXX. I have attached a copy of both of these letters received from XXXX XXXX XXXX XXXX same letters I sent to Equifax XXXX along with screenshots of the changes Equifax made to the account over the last several months. Furthermore, on the most recent update/change to this account, not only did Equifax re-add the information but they also are non-compliant with the FCRA by reporting incomplete payment history. On the attached screenshot I have highlighted all discrepancies.
XXXX is another account I have requested Equifax to verify all the factual data because it is reporting incorrectly as well. I have disputed the payment history on this account several times the last few being XXXX XXXX and XXXX XXXX, both coming back verified as accurate. After sending a letter to XXXX a request to provide a copy of all factual data relating to the account, I received a copy of the statement for this account ( enclosed ) which contradicts what Equifax is reporting. Equifax currently is reporting a late payment on this account in XX/XX/XXXX XXXX 30 days late ), missing/incomplete payment history, and reporting Paid on time payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The last payment on this account, as indicated on the enclosed statement, is XX/XX/XXXX, therefore the three payments listed above are being reported incorrectly. The XX/XX/XXXX payment was made on time as indicated on the enclosed statement. Equifax is not verifying these accounts and all information they are reporting to be factual and true as they are required and mandated to according to FCRA regulations. They are non-compliant in reporting practices and the late payment deleted immediately.
I have disputed XXXX XXXX XXXX with Equifax numerous times and have disputed many factors, the most recent being XXXX XXXX and XXXX XXXX. All coming back verified. Equifax is currently reporting a late payment for XX/XX/XXXX and XX/XX/XXXX and reporting the account as a Charge Off CO from XX/XX/XXXX through XX/XX/XXXX ( screenshot attached ). This account was never a charge-off and was paid in full monthly as an installment plan. The statement I received from XXXX XXXX XXXX XXXX also enclosed ), the first payment was due on XX/XX/XXXX and made on XX/XX/XXXX ( not late ), and the last payment made was XX/XX/XXXX and due date was XX/XX/XXXX ( not late ). Account was closed and paid in full on XX/XX/XXXX, well before the Charge-offs with missing/incomplete payment information between the XX/XX/XXXX late they are showing and the Charge-off. Again, Equifax is non-compliant with reporting procedures and laws. I want the late payments deleted immediately.
I have requested Equifax to also verify the incomplete/missing payment history and late payments they are reporting for my XXXX XXXX account. This has been disputed along with the other accounts listed above and every time Equifax comes back verified and accurate most recent being XXXX XX/XX/XXXX. I also sent a letter to XXXX requesting a copy of the statements with account history and all other data relating to the account. I received a letter from XXXX stating they needed more information before they could provide documentation to verify the account, which is against FCRA guidelines. But if XXXX cant verify my account, how was Equifax able to? I have asked for this information from Equifax but they have never sent anything. How is this an accurate and verified account if they are missing the payment history? Enclosed is a copy of their report with the discrepancy circled.
On the XXXX account opened XX/XX/XXXX, they are reporting a XXXX late payment for XX/XX/XXXX but nothing reported the month prior and missing payment. The only thing they are reporting is late payments. Per FCRA Guidelines, there can not be missing payments and reporting data incorrectly. I have enclosed a copy of their report with the discrepancies circled.
The XXXX XXXX account is reporting the same way and has been disputed along with the rest of them. Equifax is reporting missing/incomplete payment history. Additionally, they are reporting my last payment on this account was XX/XX/XXXX but have XX/XX/XXXX reporting as 30 days late. Impossible when the month prior was paid on time according to the incomplete payment history they do have. I have enclosed a copy of this with the discrepancies circled.
Additionally, I discovered an inquiry on my report. XXXX conducted an inquiry on my Equifax consumer report on XXXX without my authorization. I have disputed this with Equifax as well. I also provided them the letter that XXXX sent to me after I declined to have them check my credit which ( copy enclosed ). Equifax did not verify whether it was an authorized pull, they sent a dispute result saying it was factual. The letter from XXXX is proof. I want this deleted from my report immediately.
Equifax needs to be held liable and responsible. If they verified all data to be factual, accurate and true, as mandated and in accordance with FCRA laws and my rights as a consumer, I would not be writing this. Their wrongdoing and falsifying my report with derogatory and negative information does impact me, my score, and my future. To ensure fair and accurate reporting, is the Equifax motto. They need to abide by this.
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09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Recently I did an investigation on my credit report that I pulled which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting 100 % correct. You are in violation Of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated Credit Information . Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Ive sent out dispute letters, and evidence supporting my dispute to resolve any issues. I do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.
Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. The Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.
The following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? 9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 2. Agreement with your client that grants XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX the authority to collect 3. this alleged debt.
4. Original wet ink Signed agreement Debtor has made with Debt Collector, or another verifiable proof Debtor has a 5. contractual obligation to pay a Debt collector.
6. Any agreement that bears the original wet ink signature of Debtor, wherein agreed to pay Creditor.
7. All statements while this account was open.
8. Have any insurance claims been made by any creditor regarding this account?
9. O Yes 10. O No 11. Have any Judgements been obtained by any creditor regarding this account?
12. O Yes 13. O No 14. Please provide me the name and address of the bonding agent for XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX, in case legal action becomes necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
Sincerely, XXXX XXXX
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04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
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Web |
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I am sending this as a formal complaint, I have disputed several times information that is reporting on my credit report incorrectly and made several requests that the information be updated corrected or removed. To date every time I the owner of the credit report advise you that the information you have is incorrect you claim to verify the info and I have proven several times that you in fact are not verifying this information but getting outdated information from third party sources. Even creditors are advising that they are not giving the agency this information ( XXXX reponse is an attachment ). Per laws set forth by the government debts that are discharged in bankruptcy can't show anything else such as any balance still owed, in collections, delinquent, charge-off, or any other negative information. Again, to reiterate, any debt that has been discharged in bankruptcy can only show XXXX balance-discharged in bankruptcy. If anything else appears on that particular trade line, especially if it is derogatory information, then that violates the requirements of the FCRA. Under the FCRA your agency is in violation if it fails to notify a business/creditor that I dispute the information at hand as well as failing to investigate, It is your duty to notify every creditor involved of my dispute, refrain from continuing to submit information that it knows ( or should know ) is incorrect. Modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ) Complete the dispute within 30 days unless I provide more information, we are 3 rounds in and far past the 30 day mark. ( and the " verified info '' is still incorrect ) 30 days after the CRA gets the dispute from the consumer. If the CONSUMER provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. I DID NOT PROVIDE ANY ADDITIONAL INFO IN THE 30 DAY PERIOD I DID FILE A COMPLAINT after my 30 days IN WHICH YOU REQUESTED MORE TIME, and then an additional dispute even though you'd claimed in previous correspondence the dispute was completed. If it had in fact been fully verified you would not have needed to reopen additional disputes nor would accounts have been updated on my report from good standing to bad and then after my complaint back to good ( XXXX XXXX as an example ). Even the inquiries on my report it is your duty and noted in the law CRAs can not release your credit report to just anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as creditors, landlord, insurance providers, utility companies, and, employers ( only if I previously consented ). Authorized means I gave permission and I have advised several times that I did not consent and put a freeze on my report which you placed a 7 year extended fraud alert that I did not request ( most of my problems are with a breach of information from your agency in the first breach ). It is also illegal for creditors to pull your Credit Report for an Impermissible Purpose such as a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity. As well as reporting mixed files I am an XXXX XXXX and I have reported numerous times that the info provided is that of my XXXX sister, These are willful and negligent violations of the FCRA and there are several consequences for the companies and the CRA 's who refuse to follow these laws. I have obtained as much proof as possible that my rights are being violated and this agency is not doing what they are mandated to do by law and I have given them several opportunities to get it correct. And I never requested dispute comments be added to my report I have requested they be removed several times.
The accounts that need to be reviewed and deleted because they have failed to follow the laws set forth by government and it is deemed to be unverifiable because no correct information has been updated or reported since I started this process are as follows : XXXX XXXX XXXX XXXX XXXX- reporting unrated with a negative payment history and dispute comments XXXX Charge off with negative payment history and dispute comment XXXX- Charge off with negative history and dispute comment XXXX- charge off negative history and dispute comment XXXX- charge off with history and dispute comment XXXX XXXX- unrated and dispute comment XXXX XXXX- Charge off and History and dispute comment XXXX paid never late not included in bankruptcy, they can not be discharged in bk.
XXXX- Never late XXXX- there are 3 accounts on my report XXXX has confirmed you are reporting incorrectly even though your CRA states they confirmed this info with you.
XXXX XXXX XXXX XXXX XXXX- reporting unrated with a negative payment history and dispute comments XXXX- Charge off with negative payment history and dispute comment XXXX- Charge off with negative history and dispute comment XXXX- charge off negative history and dispute comment XXXX- charge off with history and dispute comment XXXX- charge off and dispute comment XXXX- Reported XX/XX/XXXX negative I have never ever been late, not included in BK XXXX- Never Late XXXX XXXX XXXX XXXX XXXX- reporting charge off with a negative payment history and dispute comments XXXX- Charge off with negative payment history and dispute comment XXXX- Charge off with negative history and dispute comment XXXX- charge off negative history and dispute comment XXXX- charge off with history and dispute comment XXXX- charge off, negative history and dispute comment XXXX- ReportedXX/XX/XXXXnegative I have never ever been late, not included in BK XXXX- Never Late XXXX charge off negative history, dispute comment XXXX XXXX- charge off , negative history, dispute comment XXXX- negative payment history, open and reporting Inquiries - Equifax XXXX pulled my credit-XX/XX/XXXXafter bk to check my financial standing I did not authorize XXXX XXXX-XX/XX/XXXX Never heard of them I did not authorize, I am not looking for a car.
XXXX- I did not authorize XXXX- I did not authorize XXXX XXXX- Pulled my credit to check my financial status after bk they were included in my discharge XXXX- I did not authorize I just recently got a card with XXXX XXXX XXXX XXXX XXXX Did not auhorize XXXX XXXX XXXX XXXXXX/XX/XXXX did not authorize XXXX XXXX- XX/XX/XXXX no account untilXX/XX/XXXX did not authorize XXXX XXXX-XX/XX/XXXX did not authorize XXXX XXXX -XX/XX/XXXX they were included in bankruptcy and prying in on my financials XXXX- Never authorized, I have cable XXXX- Never authorized XXXX XXXX- never authorized THE 7 YEAR FRAUD ALERT NEEDS TO BE REMOVED, I did not request this I requested a freeze.
Names XXXX XXXX XXXX XXXX is not my name clearly thats a mix of several names, XXXX XXXX XXXX is also incorrect, my only correct name is XXXX XXXX XXXX.
I have never resided at XXXX XXXX XXXX that is my sisters address we are XXXX.
I have never resided at XXXX XXXX XXXX that is my husbands family we share the same last name.
I have never resided at XXXX XXXX XXXX, that is my sisters address we are XXXX
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04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi CFPB, The purpose of this letter is to get clarity about Equifax. I have sent correspondence to Equifax 3 times within the las month. I have also attempted to call Equifax today. The call was pointless because Equifax claimed that I needed to send the correspondence again because they didn't have a record of receiving anything from me.
My initial first attempt to reach Equifax was sent at the beginning of XXXX. I attempted to dispute items and request verification of the items. The letter was mailed with signature confirmation which it shows that a representative signed for the package XX/XX/2023 at XXXXXXXX XXXX. XXXX XXXX signed for this package on this date. USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX I received a card from Equifax stating that Equifax could not locate a credit file for me. I sent a letter again to Equifax questioning the findings. Equifax received this package and signed for it XX/XX/XXXX. XXXX at XXXX XXXX. Signed by XXXX XXXX USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX The same information was sent to XXXX and XXXX. I have received correspondence from both credit bureaus, and both disputed items were deleted.
Below you will find all correspondence sent to Equifax. Equifax does not have a record of packages sent and signed for by XXXX XXXX. Equifax also does not have any record of the document that i received from them. Please inform me of any documents that I may need to scan, email, or fax.
Equifax XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/2023 Hi, As mentioned in a letter sent previously these items should be deleted.
I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) on my credit report. I was confused when you sent documentation stating Equifax was not able to locate a credit file for me for one of the following reasons : I have not applied for credit recently, I have not actively used credit in the past 10 years, or I have not lived in the United States or have not been issued a U.S. Social Security Number.
However, these items remain on my report after being deleted from XXXX and after you sent documentation stating Equifax was not able to locate a credit file. Documentation provided within this letter. All letters sent to your agency can be found within this envelope as well : ( Initial dispute ) Let me be clear, this is NOT a disputeso DO NOT " auto-verify '' my request. I recently disputed the validity of an account that was being incorrectly reported on my credit profile. It was no surprise that the other credit bureaus deleted the account due to their inability to properly verify it, but you have these accounts as on my credit report. This is confusing to me.
If the creditor reports all the same information to all 3 major bureaus and the other bureaus were unable to substantiate the validity of the details on my credit report, then you should be able to provide me with the information that you used to verify the account. The information obviously doesnt exist, and Im sure you used e-Oscar to verify the account and update the info, but I want to remind you that in this is what the bureaus got in trouble for in the cases for Cushman v TransUnion , Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax XXXX
Again, I encourage you to send proper documentation and avoid e-Oscar/auto-verify during your investigation of the below accounts. This is a reminder that 30 days expired, and these should be removed from my credit report. In addition, XXXX has deleted this false account from my report. The report can be found inside the envelope.
Sincerely, XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Hello, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) on my credit report. I was confused when you sent documentation stating Equifax was not able to locate a credit file for me for one of the following reasons : I have not applied for credit recently, I have not actively used credit in the past 10 years, or I have not lived in the United States or have not been issued a U.S. Social Security Number.
Somehow there are several items on my credit report that are not correct. I received the following response stating that you were unable to locate a credit file. These items should be deleted. The disputed items are still on my credit report. Can you confirm how this investigation was conducted and what the MOV was that was used?
As you know, in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet ( Equifax ), the courts ruled each and every time that the CRA couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the e-Oscar system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings.
Thank you and I sincerely look forward to your response.
Sincerely, XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/2023 Hello, This is a formal complaint because I am extremely upset and confused that you have included information below in my credit profile. These items are not reporting 100 % accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. e-Oscar is not verification, might I add.
I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible.
Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.
Under federal law, you have 30 days to complete your investigation.
Thank you and I sincerely look forward to your response.
Sincerely, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
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10/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I received a loan from XXXX ( Louisiana ) in XXXX for my vehicle and they were since sued and the case was in favor of the defendant due to predatory lending. I am a victim as well and my loan has acquired many fees and I owe still a major balance and shouldnt at all! I have been with XXXX since XXXX but yet still owe a XXXX balance! how can that even be possible! XXXX is also reporting negative information on my credit reports with XXXX AND EQUIFAX, From my understanding according to the FCRA XXXX shouldnt be reporting at all due to the Litigation. I have sent Equifax and XXXX numerous letters about incorrect late payments but the payments are still coming back verified! How can this negative information be verified and the law clearly states its not supposed to even be reporting on my credit reports!
But according to the FCRA XXXX is in clear violation of the law. Under 15 USC 1681b. This is what I sent them and they still failed to abide by the law! Which is very concerning to me! The letter that was sent to both equifax and experian -- -- -- -- ->>>>> Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this account on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The law is the LAW! But yet these reporting agencies are still violating my consumer rights! This is affecting me negatively and me able to being approved for funding.
THIS IS THE LAWSUIT AGAINST XXXX BELOW : Louisiana Attorney General XXXX XXXX, Illinois Attorney General XXXX XXXX, and 32 of their fellow attorneys general have achieved a settlement with XXXX XXXX XXXX XXXX ( XXXX ) that includes approximately {$550.00} XXXX in relief for consumers with more relief in additional deficiency waivers expected.
Thousands of consumers were exposed to unnecessarily high levels of risk when they were placed into auto loans with a high probability of default, said XXXX XXXX. This settlement with the auto loan giant not only provides relief to those consumers, but also requires XXXX to factor in a consumers ability to pay a loan into its underwriting in the future.
XXXX XXXX and his colleagues allege that XXXX, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. XXXX exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The attorneys general also allege that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that XXXX engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions.
XXXX will pay {$65.00} XXXX to the XXXX participating states for restitution, including {>= $1,000,000} to Louisiana, for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed, XXXX is required to allow them to keep their car and waive any deficiency balance on the loan, up to a total value of {$45.00} XXXX in deficiency waivers. XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. Consumers that qualify for the settlement will be contacted at a later date.
The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back.
Going forward, XXXX can not extend financing if a consumer has a negative residual income after taking into consideration a list of actual monthly debt obligations. Additionally, XXXX is required to test all loans that default in the future to see if the consumer, at the time of origination, had a negative income. The test must include an amount for basic living expenses. If the loan is found to be unaffordable and the consumer defaulted within a certain amount of time, XXXX is required to forgive that loan.
XXXX is barred from requiring dealers to sell ancillary products, such as vehicle service contracts XXXX will also implement steps to monitor dealers who engage in income inflation, expense inflation, power booking, and XXXX will enact additional documentation requirements for those dealers. Further, whereas XXXX previously allowed these problematic dealers to waive documentation requirements on income and expenses, XXXX no longer will allow such exceptions. If XXXX has to use a default mortgage or rent payment value, the amount input must reasonably reflect the payment value for the geographic location. Finally, XXXX will maintain policies and procedures for deferments, forbearances, modifications and other collection matters that all employees must follow.
Joining XXXX XXXX and XXXX XXXX in this settlement are the attorneys general of California, Maryland, New Jersey, Oregon, Washington, Arizona, Arkansas, Connecticut, the District of Columbia, Florida, Georgia, Hawaii, Indiana, Iowa, Kansas, Kentucky, Maine, Michigan, Minnesota, Nebraska, New Hampshire, New Mexico, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, West Virginia, and Wyoming.
|
03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is a not a duplicate complaint and I'm not using any third party for this matter. I know my rights very well. The accounts that are being disputed, do not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that this account was fraudulently opened, and they have known this for several months. Other Credit Bureaus have been cooperative and have removed the account, but Equifax has refused to remove the fraudulent account. Therefore, I have come to you to resolve these issues. The law says that you must block this account while being investigated, and I expect that you will do so. Policy states According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. A list of tile sections of tile FCRA cross-referenced to the U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XX/XX/2017 XXXX U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address. And I'm excepting from you to remove this account immediately.
|
12/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Secured loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Secured loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Business on behalf of XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Secured loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Secured loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX on XX/XX/XXXX XXXX loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online
|
12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I am writing to dispute the following information that appears on my Equifax report from XXXX XXXX XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$4200.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX XXXX XXXX account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately Collection account from XXXX XXXX XXXX with account # XXXX and XXXX balance of {$1100.00}. The original creditor is XXXX XXXX XXXX I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXXXXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX. I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$990.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1300.00}. The original creditor is CITIBANK. I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXXXXXX XXXX I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Inquiry from XXXX XXXX XXXX, I on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX - XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX - XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
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12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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on XX/XX/XXXX XXXX i sent letters to XXXX, equifax, and XXXX explainging to them that It has been well over 60 days since my last letter XXXX equifax and XXXX was sent on XXXX, its been more than 90 days and they have not been able to provide me verified proof and methods of verfication for the fraudulent accounts on my report. XXXX, equifax, and XXXX failed to remove the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, equifax, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.. It has been more 90 days and XXXX, equifax, and XXXX have not sent any proof or responded. According to Section 609 and the federal law you must now remove all these inaccurate unverifiable accounts listed below. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
The following account is is unverified and must be deleted XXXX XXXX XXXX XXXX XXXX XXXX this account reports closed as of XX/XX/XXXX then it is reporting 120 days late since XX/XX/XXXX that is impossible. It is inaccurate for there to be late payments after it is closed.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason XXXX, equifax, and XXXXmust delete.
Also I respectfully Contacted XXXX XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore XXXX, equifax, and XXXX are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report 2. The following account is is unverified and must be deleted STATE OF CT DEPT SOC S A/C # XXXX Also I respectfully Contacted STATE OF CT DEPT SOC S and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX ), Account Number : XXXX.
XXXX, equifax, and XXXX are violating Section 604 15 U.S. Code 1681 ( b ) of FCRA - I never gave permissible purpose for XXXX, equifax, and XXXX to report this account on my report.XXXX, equifax, and XXXX are violating 15 U.S. Code 1681 i ( 5 ) of FCRA - this accounts in violation not reporting 100 % accurate. Another reason XXXX, equifax, and XXXX must delete.
XXXX, equifax, and XXXX are violating section 605 A 15 U.S. Code 1681 C-1 of FCRA- I never gave consent so this account is identity theft and fraud and must be deleted. XXXX, equifax, and XXXX are violating section 605 B 15 U.S. Code 1681 C of FCRA - states that since I never gave consent so this account and It is identity theft and fraud, since I notified XXXX, equifax, and XXXX that something is on my report from identity theft and I did not consent to this account XXXX, equifax, and XXXX must remove and block from my report.
Also I Contacted XXXX XXXX XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore XXXX, equifax, and XXXX are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over XXXX consumer laws XXXX, equifax, and XXXX are violating.
XXXX XXXX XXXX XXXX XXXX I ( Original creditor : XXXX ), Account Number : XXXX.
XXXX, equifax, and XXXX are violating Section XXXX XXXX XXXX Code XXXX ( b ) of FCRA - I never gave permissible purpose for XXXX, equifax, and XXXX to report this account on my report.XXXX, equifax, and XXXX are violating XXXX XXXX Code XXXX XXXX ( XXXX ) of FCRA - this accounts in violation not reporting 100 % accurate. Another reason XXXX, equifax, and XXXX must delete.
XXXX, equifax, and XXXX are violating section 605 A 15 U.S. Code 1681 C-1 of FCRA- I never gave consent so this account is identity theft and fraud and must be deleted. XXXX, equifax, and XXXX are violating section 605 B 15 U.S. Code 1681 C of FCRA - states that since I never gave consent so this account and It is identity theft and fraud, since I notified XXXX, equifax, and XXXX that something is on my report from identity theft and I did not consent to this account XXXX, equifax, and XXXX must remove and block from my report.
Also I Contacted XXXX XXXX XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore XXXX, equifax, and XXXX are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over XXXX consumer laws XXXX, equifax, and XXXX are violating.
XXXX XXXX, Account Number : XXXX On top of not sending verified proof and responding in the right amount of time, this account is a charge off with a balance of {$160.00}.
A charge off means XXXX XXXX has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Section 604 Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason XXXX, equifax, and XXXX must delete.
XXXX, equifax, and XXXX are violating section 605 A 15 U.S. Code 1681 C-1 of FCRA- I never gave consent so this account is identity theft and fraud and must be deleted.
XXXX, equifax, and XXXX are violating section 605 B 15 U.S. Code 1681 C of FCRA - since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account XXXX, equifax, and XXXX must remove and block from my report.
Also I respectfully Contacted XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not.
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07/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
Servicemember |
On XX/XX/2020 I spoke with XXXX, who identified himself as a Manger in the Dispute department.
He indicated that I had both a Credit Freeze and Security Freeze on my account and that he was unsure as to why XXXX XXXX was able to access my file.
I further indicated that I wanted an accounts that were more than two years old and in good standing removed from my credit report. He indicated that they do not remove negative or positive items from the accounts.
XXXX XXXX-Transferred me to XXXX XXXX XXXX did not give permission for me to record our conversation.
XXXX XXXX XXXX I explained to XXXX that I wanted the old accounts removed from my report that were over 7 years old.
She refused to address the issue. Consistently indicating we do not remove negative items from credit reports. I explained to XXXX that student loan services indicated that they were no longer reporting the account. The account was never late as it was discharged via a chapter XXXX Bankruptcy of which XXXX has on file. And I further provided information that XXXX XXXX XXXX did not own the accounts at the time they reported the items as late. XXXX XXXX XXXX reaged the debt after XXXX received the Discharge from the Federal Court of the Discharge under the XXXX XXXX.
At this time I feel like I am being discriminated against via my age, ethnicity, and gender. I would like a written explanation of and the formula used to calculate my credit score, a written explanation of why the items were not removed from my credit report. A written explanation as to why and how access was granted to my credit report.
. Creditor : XXXX XXXX XXXXType : UNSECURED Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXX Pymt : $ XXXX Due : {$0.00} 9. Creditor : XXXXType : CHARGE ACCOUNT Opened:XXXXLast ReportedXXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXXType : CHARGE ACCOUNT Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXX Pymt : $ XXXXPast Due : {$0.00} 23. Creditor : XXXXType : CHARGE ACCOUNT Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 24. Creditor : XXXXType : CHARGE ACCOUNT Opened:XXXXXXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} CANCELLED BY CREDIT GRANTOR High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} CANCELLED BY CREDIT GRANTOR 10. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 11. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXX : $ XXXX Pymt : $ XXXX Due : {$0.00} 12. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 13. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 14. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast LateXXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 15. Creditor : XXXXType : STUDENT LOAN OpenedXXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 16. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 17. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 18. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast LateXXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 19. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 20. Creditor : XXXXType : STUDENT LOAN OpenedXXXXLast ReportedXXXXLast Late:XXXXMOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 25. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 26. Creditor : DEPTEDXXXXType : STUDENT LOAN OpenedXXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 27. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast ReportedXXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 28. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 29. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 30. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 31. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 32. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast ReportedXXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 33. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 34. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 35. Creditor : DEPTEDXXXXType : STUDENT LOAN OpenedXXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX XXXX XXXX High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 36. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : XXXX XXXX XXXX / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER
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10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
To Whom It XXXX Concern, In accordance with the fair credit reporting act Convergent accounts, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX Account # : XXXX, have violated my rights.
THE FOLLOWING INQUIRIES ARE UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : T
his letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance. For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below, and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. In accordance with the fair credit reporting act Convergent accounts, have violated my rights. This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have reached out to XXXX, XXXX and XXXX, XXXX XXXX and Equifax about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to Equifax, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint state Attorney Generals complaint in XXXX consumer protection and innovation complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Consumer Financial Protection Bureau and the CALIFORNIA Attorney General 's office and civil claims may be pursued.ALSO 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( 1 ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have knownXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing this dispute regarding the violations of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Equal Credit Opportunity Act ( ECOA ), and Real Estate Settlement Procedures Act ( RESPA ).
I have noticed several inaccuracies on my credit report, which have been reported by the credit bureaus. My correct name is XXXX XXXX, but the bureaus are reporting it as XXXX XXXX, XXXX, XXXX, XXXX, XXXX A XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX This is not only incorrect, but it is also causing confusion and making it difficult for me to apply for credit or loans.
Furthermore, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, but the bureaus have reported multiple addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX These incorrect addresses have caused confusion and made it difficult for me to receive important mail.
These inaccuracies have had a significant impact on my life. For example, when I applied for a car loan, I was denied due to these incorrect reports on my credit report. I was forced to use public transportation, which is inconvenient and costly.
The violations that have occurred are as follows : FCRA : Section 607 - Duties of Furnishers of Information to Consumer Reporting Agencies Section 611 - Procedure in case of disputed accuracy Section 616 - Civil liability for willful noncompliance Section 623 - Responsibilities of furnishers of information to correct and update inaccurate or incomplete information FACTA : Section 312 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 313 - Prohibition on Circumventing Opt-Out Requirements Section 317 - Enforcement ECOA : Section 703 - Prohibited discrimination on the basis of race, color, religion, national origin, sex, marital status, or age Section 704 - Enforcement RESPA : Section 6 - Servicing of Mortgage Loans and Administration of Escrow Accounts Section 8 - Prohibition against kickbacks and unearned fees a dispute regarding the unauthorized inquiries made on my credit report by several entities including XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX XXXX. These inquiries have caused significant harm to my credit score and financial stability.
As a responsible consumer, I have been monitoring my credit report closely and noticed multiple unauthorized inquiries that have been made without my knowledge or consent. These inquiries have been made without a permissible purpose and have caused my credit score to decrease significantly. I have made multiple attempts to contact these entities to request that they remove these inquiries from my credit report, but my requests have been ignored.
The unauthorized inquiries made by these entities violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), including sections 604, 607, 610, 613, 614, 615, 616, 618, 623, 312, 313, and 317. These inquiries were made without a permissible purpose, and I have not authorized any of these entities to access my credit report. In addition, these entities failed to properly disclose the nature and scope of the inquiries and failed to comply with consumer reporting obligations.
One of the accounts in question is with XXXX XXXX XXXX, account number XXXX. XXXX has listed the payment status as in collection, yet I have never received any notification or documentation from them regarding this collection account. This is a clear violation of Section 607 of the Fair Credit Reporting Act ( FCRA ), which outlines the duties of furnishers of information to consumer reporting agencies. Additionally, it is a violation of Section 623 of the FCRA, which states that furnishers must correct and update inaccurate or incomplete information.
XXXX XXXX XXXX ( Account Number XXXX ) on my credit reports with XXXX and XXXX.
According to my XXXX report, the last verified date for this account is XX/XX/XXXX. However, my XXXX report does not reflect this information. Additionally, my XXXX report shows the date of last activity as XX/XX/XXXX, while my XXXX report shows the date of last activity as XX/XX/XXXX. Furthermore, my XXXX report lists the date opened as XX/XX/XXXX, whereas my XXXX report shows the date opened as XX/XX/XXXX. Finally, my XXXX report indicates that the creditor has reported that the account is placed for collection, while my XXXX report does not reflect this information.
I believe that the reporting of this information is in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 - Duties of furnishers of information to consumer reporting agencies ( reporting inconsistencies between XXXX and XXXX reports ) Section 623 - Responsibilities of furnishers of information to correct and update inaccurate or incomplete information ( reporting inconsistencies between XXXX and XXXX reports ) Additionally, I believe that XXXX XXXX XXXX may be in violation of the following sections of the Fair Debt Collection Practices Act ( FDCPA ) : Section 807 - False or misleading representations ( misrepresenting the last verified date and the date of last activity ) Section 809 - Validation of debts ( failing to provide proper validation of the debt ) These inaccuracies in reporting have had a significant negative impact on my credit score and have made it difficult for me to obtain credit and loans. I request that you investigate this matter and take appropriate action to ensure that my credit reports accurately reflect the information that is reported by XXXX XXXX XXXX I also request that any unverified accounts be removed from my credit report.
I am writing to dispute a collection account that has been reported on my credit report by XXXX XXXX XXXX ( account number : XXXX ) and XXXX. According to XXXX, the payment status of this account is listed as Collection. However, I have never received any notification or paperwork from them regarding this collection account.
I believe that this reporting violates the Fair Debt Collection Practices Act ( FDCPA ) Section 807, which prohibits false or misleading representations in the collection of debts. Reporting the payment status as collection without providing proper notification or paperwork is a clear violation of this law.
This reporting has greatly affected my life. I have been denied credit and other opportunities due to this inaccurate information on my credit report. It has caused me significant stress and anxiety, as I have been unable to obtain the credit I need to support myself and my family.
I request that you enforce the legal requirements on the creditors to provide proper notification and paperwork before reporting the payment status as collection. I demand that the creditor remove this unverified account from my credit report.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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When I initially discovered there was an outstanding debt owed to XXXXXXXX XXXX XXXX XXXXXXXX XXXX, I contacted them. The managing group called XXXX XXXX for XXXX XXXXXXXX XXXX XXXXXXXX XXXX stated I owed the debt so long they decided to sell it to a business who collects debt called XXXXXXXX XXXX XXXX and that I would need to call them. I contacted XXXX XXXX XXXX and advised who I was, and my purpose was to pay a debt that I owed, with the purposes of XXXX XXXX XXXX sending a Goodwill letter to all three creditor bureaus asking to have this collection to be removed from my credit report. XXXX XXXX XXXX agreed to the terms and collected {$250.00} dollars and stated I owed them a XXXX balance. This debt was paid on XX/XX/XXXX. I recently checked my credit report and discovered that XXXX XXXX XXXX did not hold up their end of the deal by contacting the credit bureaus and having the collection removed from my report. Also, while reviewing the debt on my report, I noticed there were a few discrepancies. On the report where it has the original lender the bureaus have different names. Equifax reports : XXXX XXXX XXXX XXXX XXXX reports : XXXX XXXX XXXX XXXX XXXX XXXX reports : XXXX XXXX XXXX XXXX The name of the company is XXXX XXXX XXXX XXXX XXXX All three credit bureaus are reporting the Debt that I owed was by two different companies seeing that this information is inaccurate Id like to have this collection removed from my credit report. The Agency Name on the credit report is wrong as well. The XXXX XXXX is reported as three different names to all three credit bureaus. Equifax reports : XXXX XXXX reports : XXXX XXXX XXXX reports : XXXXXXXX XXXX XXXX The name of the company is XXXX XXXX XXXX All three credit bureaus are reporting the Three different names. Seeing that this information is inaccurate Id like to have this collection removed from my credit report. I settled with XXXX XXXX XXXX for {$250.00} dollars, but XXXX XXXX XXXX is reporting to the credit bureaus that the dollars amount was {$290.00} dollars this is completely inaccurate, and false, and therefore driving up my FICO score. Seeing that this information is inaccurate Id like to have this collection removed from my credit report. XXXX XXXX XXXX has reported different dollar amounts to all three credit bureaus when it comes to current balance. Equifax reports : {$0.00} XXXX reports : {$0.00} XXXX reports : XXXX XXXX Once again XXXX XXXX XXXX has not proven itself to be a company that operates under the Fair Credit reporting Act and is not fair to me as a consumer. Therefore, due to their extreme negligence Id like to have this collection account removed from my credit report from all three credit bureaus. XXXX has not correctly reported the status of my account properly, and it is reading different with every major credit bureau. Equifax reports : Paid XXXX reports : Payment After charge off / collection XXXX reports : Account legally paid in full for less than full balance Once again XXXX XXXX XXXX has not proven itself to be a company that operates under the Fair Credit reporting Act and is not fair to me as a consumer. Therefore, due to their extreme negligence Id like to have this collection account removed from my credit report from all three credit bureaus. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX XXXX, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of This the company response to my former complaint. My name is XXXX XXXX. I am the Vice President of Compliance for XXXX XXXX XXXX XXXX XXXX ( XXXX ) and I have been asked to respond to XXXX XXXX XXXX complaint. XXXX has completed its investigation and the results are as follows. ( XXXX XXXX account was placed with XXXX for collection on XX/XX/XXXX, false ) ( by XXXX client XXXX XXXX XXXX XXXX XXXX, with a balance of {$2000.00}. On XX/XX/XXXX, XXXX mailed its initial collection letter to XXXX XXXX at her last known address : XXXX XXXX XXXX XXXX, AR XXXX. All this information is completely false ) ( That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act, that letter was not returned as undeliverable to XXXX by the U.S. Postal Service. ) false On XX/XX/XXXX, XXXX reported XXXX XXXX account to the three national consumer reporting agencies ( XXXX, XXXX, and Equifax ) ( CRAs ) with permission from our client, XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX called our office and spoke with an XXXX representative. A review of the recording of this call reveals that at the start of the conversation, XXXX XXXX asked the representative he spoke with if he could get an email indicating this tradeline would be removed from his consumer report. The representative responded we dont remove or delete, sir. We report your accurate information so we will report is as either paid in full or settled in full and account closed. Later in the same call, just prior to authorizing a payment of {$250.00} to run that day to settle the account in full, XXXX XXXX asked why XXXX would not request a deletion of the trade line after payment, the representative advised XXXX XXXX : Per company policy, we go by what the Fair Credit Reporting Act requires, so we report your accurate information, we dont do removals or deletions. Per the Fair Credit Reporting Act ( FCRA ), it is XXXX responsibility to report complete and accurate information to the CRAs. Regarding the information for this trade line appearing slightly differently on XXXX XXXX XXXX report from each CRA, please be advised that XXXX is not responsible for the way the CRAs display the information furnished to them from XXXX. ( On one of my credit reports they didnt even report a dollar amount ) This is outside our organizations control. Thank you for the opportunity to respond to this complaint. XXXX XXXX XXXX. XXXX referred to me as a female, which is mean and very unprofessional behavior.
XXXX. He stated I owed an amount I do not owe so his investigation was not accurate.
XXXX. He stated I lived at an address I never lived at nor is on my credit report.
XXXX. And he is not reporting accurately information to the CRAs. Please review previous complaint. XXXX Please delete this collection agency from all three of my credit bureaus as this company is practicing deceptive business practices.
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11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Today 's Date is : XX/XX/2020 I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention My Accurate legal full name is exactly : XXXX XXXX I do NOT want any name other than what I listed above to be retained or reported.
Please delete any other names that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information.
My Accurate complete address is : XXXX XXXX XXXX, XXXX XXXX, NY XXXX I do NOT want any name other than what I listed above to be retained or reported.
Please delete any other addresses that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information.
My Accurate FULL legal Social Security is : complete address is : XXXX If any other social security number is listed other than what was typed above was NOT provided by me and should NOT to be retained or reported. If any other social security number is listed Please delete at once or provide evidentiary PROOF the legal right to retain such information.
My Accurate Full Date of Birth is XX/XX/XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT to be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information.
Thank You!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN # XXXX D.O.B. XX/XX/XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and false accusations.
It is my understanding that Under the FCRA 15 U.S.C. S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with permanent DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction.
Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleged Creditor : XXXX/XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.
Alleged Creditor : XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.
Alleged Creditor : XXXX XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.
Alleged Creditor : XXXX XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.
Alleged Creditor : -, Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.
Alleged Creditor : -, Explanation : Provide Physical Proof of Verification. This i
s a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.
As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the related regulations, mentioned or that if any or each item being reported is challenged for its legal reportability in which case and I am doing such, I demand as my legal rights allows that you follow the mandated as required by Data Furnisher to demonstrate in unabridged sufficiency of the facts exactly as composed and relayed to you. This includes a substantial di
splay of all law requisites such as proof of documented identity of the individual alleged as having ownership or proven responsibility of alleged accounts which are still making unfounded claims in my report.
I am seeking every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes as well as anything even unknown to be provided with required documentation. Otherwise, DELETE PROMPTLY if there is any deficiency to provide the requested information as Federally defined in a timely manner.
I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into Compliance. Have a wonderful Day.
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN # XXXX D.O.B. XX/XX/XXXX
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01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX ( Partial account number : XXXX ), for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I asked this credit reporting company to investigate this report and they also failed to do an actual investigation. I hope that this time the request for information in this complaint will resolve any inaccuracies when submitted. The Fair Credit Reporting Act ( FCRA ) requires that collection companies provide validation and verification of debt before collecting on it. Specifically, Section 609 ( a ) of the FCRA requires that a consumer reporting agency ( CRA ) such as a collections company provide a consumer with such information upon request. I requested validation and verification of the debt they collected and never received it. In this complaint, because my request was never responded to, again, I am officially requesting validation and verification of the debt that was collected by XXXX XXXX.
Detailed Request for validation of the debt : I am requesting a validation of the debt that was collected by XXXX XXXX along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. TILA addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX assumed the role of collector for esurance. I am requesting detailed proof that the debt was valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector had the legal right to collect on the debt, including the signed terms between the creditor ( esurance ) and collector ( XXXX XXXX ), the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector ( XXXX XXXX ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ). I request XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX fails to validate the debt, I dispute the reporting of this debt, and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX can validate the debt with the above request, I will accept the reporting as accurate.
Detailed Request for verification of the debt : I am also writing within this complaint, a direct and official request for information from XXXX XXXX regarding the original contract of the debt that they collected. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX fails to verify the debt, I dispute the reporting of this debt and request XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX can verify the debt with the above request, I will accept the reporting as accurate.
It is important for XXXX XXXX to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX must provide me with the information that is used to calculate my credit score.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of XXXX XXXX. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold XXXX XXXX accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting anticipated out of this complaint. Just like all Americans, I believe that my credit report should only contain accurate and verified information.
Sincerely, XXXX XXXX
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12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrectAlso Known As : XXXX XXXXXXXX. The following personal information is incorrectAlso Known As : XXXX XXXX. The following personal information is incorrectAlso Known As : XXXX XXXX. The following personal information is incorrectEmployers : XXXX XXXX XXXXXXXX. Identity TheftXXXXDate of inquiry : XXXX is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.6. Identity TheftXXXX XXXXDate of inquiry : XXXX is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.7. Identity TheftXXXX XXXXDate of inquiry : XXXX is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.8. Identity TheftXXXX NDate of inquiry XXXX XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.9. Identity TheftXXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.10. Identity ThefXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.11. Identity ThefXXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.12. Identity TheftXXXX XXXXXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.13. Identity TheftXXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.14. Identity TheftXXXX DCDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.15. Identity ThefXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.16. Identity ThefXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.17. Identity TheftXXXX XXXX IDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.18. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.19. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.20. Identity ThefXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.21. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.22. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.23. Identity TheftXXXX XXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.24. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.25. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.26. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.27. Identity TheftXXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.28. Identity TheftXXXX XXXXDate of inquiry : XXXX is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.29. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.30. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.31. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.32. Identity TheftXXXX XXXXDate of inquiry XXXX XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.33. Identity TheftXXXX XXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.34. Identity TheftXXXX XXXXDate of inquiry : XXXX is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.35. Identity TheftXXXX XXXXDate of inquiry : XXXXThis XXXXs not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.36. Identity TheftXXXX XXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.37. Identity ThefXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.38. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.39. Identity TheftXXXX XXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.40. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.41. Identity TheftXXXX XXXXAccount Number : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.42. Identity Theft11 XXXX XXXXXXXX XXXX XXXX XXXX
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02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX/XXXX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
2. XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
3. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
7. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
18. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
20. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
21. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
22. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
25. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
26. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
27. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
28. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
29. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account # XXXX XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX I am a consumer practicing my legal rights. If Equifax and XXXX Continue Violating the Consumers rights, I will be forced to dispute this matter. With the Department of justice. It is very clear the damage between XXXX Equifax and XXXX. Has done to the consumer. This dispute has been going on for almost 3 years, and the information continues to come back verifiable. How much hush money XXXX XXXX in XXXX XXXXXXXX XXXX Has given to the credit bureaus for them to continue stalling this account There is no proper investigation Made and I am going to request the following Civil liability for the damage those companies had done to the consumer in Preventing the consumer to continue with his credit journey. The following Documentation that needs to be provided to the consumer has not been provided. the Signature Of the permissible purpose That I gave permission for this information to be posted on my consumer credit report Let me explain. Since So call Credit bureaus Believe. That, without a permissible purpose. you are allowed to post Information without the consumers permission. As a credit bureau, the documentation That you posted without my permissible purpose Is considered fraud. Your job as a credit Bureau is to protect the identity of the consumer You help allowed XXXX XXXX and XXXX XXXX XXXX to violate the consumers rights. This is what the law says.
15 U.S. Code 1681q - Obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Section 604. Permissible purposes of consumer reports In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. In response to the order of a court having jurisdiction to issue, such as a subpoena, and in connection with proceedings before a Federal grand jury 2. In accordance with the written instructions of the consumer to whom it relates 3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer B. intends to use the information for employment purposes C. intends to use the information in connection with the underwriting of insurance involving the consumer D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ii. to review an account to determine whether the consumer continues to meet the terms of the account. Conditions for Furnishing and Using Consumer Reports for Employment Purposes 1. Certification from User : A consumer reporting agency may furnish a consumer report for employment purposes only if a. the person who obtains such report from the agency certifies to the agency that the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable; and information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation b. the consumer reporting agency provides with the report or has previously provided, a summary of the consumers rights under this title, as prescribed by the Bureau under section 609.
2. Disclosure to Consumer : In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless :. a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and b. the consumer has authorized in writing the procurement of the report by that person.
3. Conditions on Use for Adverse Actions : In using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates. a copy of the report b. a description in writing of the rights of the consumer under this title, as prescribed by the Bureau under section 609.
Section 609. Disclosures to Consumers Information on File Every CRA ( Consumer Reporting Agency ) shall, upon request, and subject to 610, clearly and accurately disclose to the applicant : 1. All information in the applicants file at the time of the request, except that- if the applicant to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the applicant not be included in the disclosure and the CRA has received appropriate proof of the identity of the requester, the CRA shall so truncate the social security number in such disclosure ; and 2. The sources of information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed. However, in the event of a lawsuit, the sources must be made available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.
3. Identification of each person that procured a background check for employment purposes, during the 2-year period preceding the date on which the request is made.
Summary of Rights A CRA shall provide to an applicant, with each written disclosure by the agency to the applicant under this section- 1. The summary of rights prepared by the Bureau.
2. A list of all Federal agencies responsible for enforcing any provision of this title, and the address and any appropriate phone number of each such agency, in a form that will assist the applicant in selecting the appropriate agency.
3. A statement that the applicant may have additional rights under State law, and that the applicant may wish to contact a State or local consumer protection agency or State attorney general ( or the equivalent thereof ) to learn of those rights.
4. A statement that a CRA is not required to remove accurate, derogatory information from the file of an applicant unless the information is outdated under section 605 ( Part 2 of our series ) or can not be verified.
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05/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am having an issue with XXXX XXXX and Equifax, XXXX, and XXXX. I have already submitted a grievance on XXXX XXXX on an illegal repossession, disputed the said accounts with Equifax, XXXX and XXXX who all have yet to provide any documentation verifying the correct and valid amount for the debt owed. I never disputed the fact that I owed this amount I only required documentation from XXXX XXXX, Equifax, XXXX and XXXX because I have not received any documentation what so ever from XXXX XXXX.
Today XX/XX/XXXX my credit report was updated adding a {$3100.00} balance increase on the closed account reported by XXXX XXXX bringing my deficiency balance from {$10000.00} to now {$13000.00}.
I found the update odd and a possible mistake since the account in question was reported charged off between XX/XX/XXXX-XX/XX/XXXX and then reported again closed between XX/XX/XXXX-XX/XX/XXXX and is now as of today XX/XX/XXXX is being reported as a profit and loss write off, charged off account fixed rate, and closed.
Today I attempted my now 5th contact with XXXX XXXX this time over the phone my goal of the call was : - To verify that the written certified letter I mailed over 45 days ago was received - To find out how much the car was sold for - And what I currently owed I spoke to 3 representatives who were very nice and beyond helpful and like on all the previous calls before they could give me any information they verified my social security number and current address on file, which happens to be the same address where the said vehicle was repossessed from.
I first spoke to a kind gentleman first asking what my balance was and he reported to me {$10000.00} and I asked him about the credit report updated and he checked on his end and did not see that fee and had no awareness of it. During that call I also inquired how come I had not received any documentation, no mail or emails in reference to the debt owe and reported by XXXX, XXXX and Equifax, nothing about the recent updated balance, nothing about the sale date of the car, nothing. He informed my that my address was never updated in the system until XXXX -- ( 2 months after the car was repoed ) and that documentation was sent to an old address they had on me.
**Please Note : I spoke to a rep the day the car was repossessed back in XX/XX/XXXX to verify my address and contact information so I could pay my debt off and get my car back if possible my car ( I initially being a new California resident wasn't aware how laws worked here and I did not know if I could get my car back at that time ). On my the call in XX/XX/XXXX I was told to call back in 72 hours to find out the status of my car they had no updates that day. I was given an address where I can go get my belongings out of the car and I updated my address, and new job info. The address I reported that day was the same address where XXXX XXXX broke into my private garage breaching the peace and where they illegally repossessed the car according to California Repossession Laws. ** I contacted XXXX in XXXX about six weeks after the repo asking for an update and on that call I verified my address and I was told the car was not sold. After not getting any correspondence and seeing a balance decrease I called XXXX and this time I was told the car had been sold.
Upon my own research I found out that according to California Law I was not required to call back in 72 hours but XXXX was required to provide the following notices to me certified mail, in person or by postage : - Notice of Seizure within 48 hours of repoe - Notice before the sale at least 15 days before the sale date - Option to Reinstate the loan under California Law you can reinstate - Option to Redeem the Vehicle under California Law you can redeem - Notice of deficiency balance itemizing the gross proceeds & expenses incurred - And all Notices by be provided within 45 days to anyone requesting if in writing who's name is on the loan.
I received nothing. I sent a certified letter more than 45 days ago requesting the above documentation and I have as of XX/XX/XXXX not received any correspondence. If in fact my address wasn't updated until XXXX like I was told today for whatever reason I sent a written correspondence XXXX requesting the above documentation and for validation of debt and today it was confirmed by 2 reps that the letter I wrote was received but I have not gotten any response.
During the first call today with the man I spoke to my phone died and I called back to and this time was transferred to a woman named XXXX. XXXX was patient and kind and again before she gave me any information I verified my address like every call and this time updated my phone number. XXXX verified my work phone they had on file which was correct and even the contact information of my employer which were all correct.
I then asked XXXX for my current balance.
XXXX placed me on hold as she reviewed my account and then I was told that the loan balance reported in her system as before fees and interest charges was {$7800.00}, the original principal balance was {$12000.00} and I finally found out that the car was sold for {$4200.00} on XX/XX/XXXX and I currently owed {$10000.00}.
I updated and verified my address several times never received any documentation of the vehicle being sold. I find many contradictions in numbers provided to me by XXXX. The difference of {$10000.00} and {$7800.00} is {$2600.00} which I assume are fees of some sort but what are those fees for.
And if I owe {$10000.00} why would XXXX report I owe {$13000.00} to the credit bureau or why would credit bureaus report an inaccurate and unverified amount! If amount of my loan balance owed after the car was sold was {$7800.00} -- and the report on my credit is {$13000.00} is that is {$5800.00} difference!
Also while on the second call today I asked Ms. XXXX about the certified letter that I mailed back in XXXX inquiring about the debt and requesting documentation of the sale of the vehicle and she told me that the letter was received but she didn't have to respond to me but was instead required to responded to the credit bureau not me about my debt owed -- which further more admits that XXXX XXXX not only illegally repossessed the car, never provide documentation after the repo they incorrectly reported unverified this debt to the credit bureaus whom I also requested validation from and as o f XX/XX/XXXX I have received nothing.
According to the Federal Trade Commission website when a lender provides information to a CRA under the FCRA the lender and both the CRA are obligated to ensure the accuracy of the information furnished and being reported. It is also illegal to report inaccurate information.
My issues with XXXX XXXX, XXXX, XXXX and Equifax - No verification of debt documents from Credit Reporting Agencies - The Credit Reporting Agencies are reporting inaccurate debt amounts - XXXX XXXX illegally breached the people by breaking into an unauthorized key access only garage - XXXX XXXX did not provide documentation one the car was repossessed or sold - XXXX illegally reported inaccurate information to the CRA -
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09/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
I made a compliant to CFPB ( about the negative charge off information reported by XXXX XXXX to the three major credit reporting agencies ( XXXX, Equifax, and XXXX ) that has reduced our credit rating from excellent to poor and led to a great hardship for my wife and myself. We are both in our XXXX and were planning on moving to a retirement residence but now are limited from doing this because of our poor and inaccurate credit rating. It has also caused a difficulty in our attempt to secure a loan modification in our mortgage which would allow us to remain in our house on our income from social security and a small pension.
Our CFPB case number was XXXX and was responded to by XXXX XXXX Senior Specialist, Corporate Consumers Relations, XXXX XXXX. CFPB closed my complaint without taking action or any further investigation upon its receipt of the letter. Closing the case was incorrect. Attached in a copy of XXXX XXXX letter with my review. Inaccurate and misleading statements are in red font and comments are located adjacent to each of her statements that need modification or deletion.
I have now been the victim of two instances of deceptive marketing tactics by two divisions of XXXX XXXX titled XXXX XXXX XXXX and XXXX XXXX XXXX In XX/XX/XXXX the CFPB ordered XXXX XXXX XXXX in several actions each required large sums of monetary relief to consumers harmed by its illegal and discriminatory credit card practices. A consent order was signed on XX/XX/XXXX as regards the XXXX XXXX card I had. XXXX XXXX retail card platform was headed by XXXX XXXX XXXX, who is now President & Chief Executive Officer of XXXX XXXX. XXXX XXXX name was changed to XXXX XXXX on XX/XX/XXXX.
The same practices which I was subjected to with XXXX XXXX, have now been imposed on me by XXXX XXXXt despite the fines imposed on XXXX XXXX now a subsidiary of XXXX XXXX. On XX/XX/XXXX incurred a bill for {$980.00} from XXXX XXXX of XXXX, OR. My car had to be towed to XXXX the dealer and I was told that it would be {$980.00} to do the repairs. When I expressed that this amount would be beyond my resources, the XXXX service employee said they would finance it for one year at no interest. My son called XXXX, was told the same, so my son recommended that I go ahead with the repairs. I paid {$580.00} and financed {$400.00}. Additional fees were not explained at the time I received the loan. Before or after executing the contract, no explanation was given of the deferred interest component and the other fees associated with this account which were in the fine print of the contract. The statements received from XXXX XXXX showed the deferred interest would begin in six months and not a year and was the first indication of any additional fees.
I have sent my check for the {$400.00} for payment of the financing by XXXX XXXX for payment in full. The check has a restricted endorsement for XXXX XXXX to sign acknowledging payment in full. I refuse to pay any added fees tacked on to the original balance.
I received a letter dated XX/XX/XXXXfrom XXXX XXXX XXXX XXXX-XXXX XXXX Creditor that my XXXX XXXX Credit Card had been cancelled by XXXX XXXX. I did not know until then that XXXX XXXX was affiliated with XXXX XXXX This is further evidence that my credit is being seriously impaired by the uncalled-for trade practices of XXXX XXXX.
When I realized in XX/XX/XXXXthat I was victimized by not having received the written disclosures creditors are required to be given before opening an account under Regulation 12 C.F.R. {$1000.00} {$1000.00}. I was not advised of the following : 1. XXXX XXXX ( now XXXX XXXX ) charges 26.99 percent interest on the consumers declining balance.
2. Interest is charged from the date of the original purchase and compounded monthly ) not from the end of the promotional period if the original balance was not paid within promotional period.
3. The additional fees added were not explained.
XXXX XXXX XXXX Senior Specialist, Corporate Consumers Relations, XXXX XXXX in her denial letter dated XX/XX/XXXX stated that it is the accountholders responsibility to review billing statements and contact their customer service department with questions regarding their account. This is not workable since the service department does not reply or answer phone calls. I wrote two complaint letters and made numerous phone calls in XX/XX/XXXX when I became aware of incurring deferred interest and previously undisclosed fees which were costly and unanticipated.
The amount charged off of {$2000.00} was not reported to the credit bureaus until XX/XX/XXXX. This is more than four years from the last purchase. The only amounts added after my last purchase consisted of deferred interest and penalties. During the time I had an open account with XXXX XXXX I had purchases of {$3400.00} and made payments of {$2900.00} representing 86 % of my purchases. If all my purchases had been applied to principal, my balance would only be {$490.00}. Deferred interest and fees represent {$1500.00} or 76 % of the amount reported as charged off to the credit bureaus.
XXXX XXXX in her reply states that the company policy is that payments that are 30 days past due are reported to the credit bureaus. Because the delayed charge off reported to the credit bureaus more than four years any charge off should only be the amount due 30 days after my account was 30 days past due according to their own policy. The report shows that I made payments until XX/XX/XXXX.
XXXX XXXX did not consider me a credit risk as late as XX/XX/XXXX when I was given the loan of {$400.00} to pay for car repairs at XXXX XXXX in XXXX, Oregon by XXXX XXXX XXXX. It was only one month later in XX/XX/XXXX that XXXX reported the charge off to the credit bureaus resulting in thes now poor credit rating whereas it was excellent prior to XX/XX/XXXX. I never received an explanation of why I was approved for a loan and one month later referred to the credit bureaus for a disputed balance which according to the company, s own policy should have been reported 30 days after it became delinquent.
It was ordered by CFPB that XXXX XXXX XXXX ( later merged into XXXX XXXX ) desist the unfair and deceptive acts and practices and take affirmative action to reimburse victims of the deferred interest group. I have no record of receiving any communication regarding reimbursement.
XXXX XXXX who denied my complaint is an employee of the consumers relations department which has no authority for approval or denial of request. If she has the authority to deny my request, please require her to furnish a copy of her job description showing her authority for removal of a referral made to credit bureaus. XXXX XXXX does not have possession of an application signed by me that agreed to the interest and fees I was charged. Without proof of my agreement to these terms and conditions, I should not have been charged for any amount other than principal.
Although I met the specific criteria for filing a claim for a refund of the deferred interest that I had paid, I have no record of receiving a claim form for a refund. XXXX XXXX advises that the agreement fund has now been paid out in full.
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07/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
|
The currently reported XXXX XXXX with account number displayed as XXXX XXXX on my XXXX XXXX report, shown as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, and alleged as this information is NOT REPORTED on Equifax in this reported claim on my Equifax report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a anomaly from the mandatorily utilized reporting industrys own Metro 2 Datafilled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Data Reporter Identification Number reported as Not Reporting for XXXX, XXXX for XXXX XXXX, and as Not Reporting for Equifax and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin XXXX non for compliant reporting and as such are one or more apparently deficient of its exigency of reporting decree ( s )!
Regarding the item questioned above, Data Reporter Street Address reported as Not Reporting for XXXX, XXXX XXXX XXXX for XXXX XXXX, and as Not Reporting for Equifax for Equifax and as such are one or more, according to protocol, deficient of its exigency of reporting obedience!
In regard to item questionably reported above, please note that Activity Date is reported as XX/XX/2023 for XXXX, XX/XX/2023 for XXXX XXXX, and as Not Reporting for Equifax are one, two, or each apparently in potential deviation from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3 - 4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field.
With respect to item questioned above, Portfolio Type ( Account Type-Detail ) : reported as Not Reporting for XXXX, Not Reporting for XXXX XXXX , and as Not Reporting for Equifax and as such is one, each or all in aberrancy from the requisite standard ( s ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards.
Against the item questioned above, Scheduled Monthly Payment Amount : reported as Not Reporting for XXXX, Not Reporting for XXXX XXXX, and as Not Reporting for Equifax and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin XXXX non for compliant reporting and as such are one or more apparently deficient of its exigency of reporting sufficiency and or amenability!
In cognizance to the item questioned above, Account Credit Limit : reported as Not Reporting for XXXX, Not Reporting for XXXX XXXX, and as Not Reporting for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
On the subject of the item questioned above, Data Reporter City, State, and Postal Zip Code reported as Not Reporting for XXXX, XXXX, VA, XXXX for XXXX XXXX, and as Not Reporting for Equifax and as such is one, each or all in aberrancy from the requisite standard ( s ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is evidently reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting proclivity! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards.
With reference to item questioned above, ECOA Code : reported as Derogatory for XXXX, Derogatory for XXXX XXXX, and as Not Reporting for Equifax and as such is one, each or all in aberrancy from the requisite standard ( s ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting. This field, as reported, is a divergence from the established CDIAs reporting standards and or is reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards.
In regard to item questioned above, Account Status : reported as Closed for XXXX, Open for XXXX XXXX, and as Not Reporting for Equifax and as such are one or more having the appearance of being deficient of its exigency of reporting devoir and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-takenfor- granted benefit to report.
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05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect DATE OF BIRTH : 1981 2. The following personal information is incorrect DATE OF BIRTH : 1981 VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, D.CXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
|
04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
In brief, there are three problems I need to report : ( 1 ) Equifax has repeatedly refused to remove a fraudulent hard inquiry from my credit report, insisting that the hard inquiry is " factual. '' ( 2 ) Equifax has repeatedly refused to place a seven-year fraud alert on my credit report, even though : XXXX implemented a seven-year fraud alert ; XXXX says that Equifax and XXXX were XXXX of the seven-year alert as required ; and XXXX has in fact received that notice and implemented a seven-year alert. Equifax has given conflicting reasons for why they have not placed the seven-year alert. One Equifax representative claimed that they received the seven-year alert from XXXX, but could not add a seven-year alert because I had already placed an initial one-year alert. A second Equifax representative claimed that Equifax had not received any sort of notice or notification from XXXX.
( 3 ) XXXX has refused to send Equifax another notification of the seven-year alert.
For the full details, please see the following : On XX/XX/2023, someone fraudulently tried to open two credit cards in my name. I became aware of this on XX/XX/2023, when I received an email that a hard inquiry had appeared on my credit report. I checked my credit reports and found two hard inquiries : one on my Equifax credit report and one on my XXXX credit report. Both involved retail store credit cards ( XXXX XXXX and XXXX XXXX , respectively ) for which I have never applied.
I first filed disputes with both Equifax and XXXX.
I next called XXXX, who confirmed that a credit card had been opened using my name and Social Security number ( but not my driver 's license number or phone number ). Using the XXXX card, this person made two purchases, in the amounts of {$440.00} and {$55.00}, both on XX/XX/2023, and both at XXXX XXXX # XXXX in XXXX, California. The XXXX representative told me that they had put a block on the card and flagged it as fraudulent.
After this call, I placed security freezes on my credit reports with all three bureaus. I also filed a one-year initial fraud alert with all three bureaus, and created an FTC Identity Theft Report.
I also heard back from Equifax and XXXX regarding the disputes I had filed. XXXX removed the hard inquiry from my credit report. Equifax, however, said the hard inquiry was " factual '' and refused to remove it. When I called Equifax about this problem, and told them that XXXX had confirmed that the card was opened fraudulently, the Equifax representative insisted that the hard inquiry was " factual, '' and told me that they would only remove it if they received documentation from XXXX or the FTC.
On XX/XX/2023, I next called XXXX ( the bank issuing the XXXX XXXX credit card ). The XXXX representative informed me that someone had attempted to open a card in my name ( using the same driver 's license number and phone number from the XXXX application ), on XX/XX/2023, at XXXX XXXX Store # XXXX in XXXX, California. The XXXX representative informed me that the company had not approved the credit card application. The representative voided the application and marked it as fraudulent, so that it could not be reopened or continued in the future.
While I was on the phone with the XXXX representative, she called a XXXX representative and connected them to our call. The XXXX representative and I explained the fraudulent attempts to open a credit card using my name and XXXX, and the XXXX representative stated that they would place a seven-year fraud alert on my credit report, and, as required by law, forward that alert to XXXX and Equifax within 24 hours.
Also on XX/XX/2023, after receiving information from both credit card companies, I opened a case with the XXXX Police Department, since the applications for the cards were both filed at retail stores in XXXX, California. At the XXXX XXXX XXXX 's request, I sent the XXXX an email detailing all the information I had learned from the two credit card companies.
On XX/XX/2023, I called Equifax to check if the seven-year fraud alert had been added to my credit report. The Equifax representative told me that they had not received anything from XXXX, and that my account reflected only the initial one-year fraud alert. I also asked if it would be possible to remove the hard inquiry as fraudulent, now that I had confirmation from XXXX, as well as a case number with the XXXX XXXX. The Equifax representative insisted that that the hard inquiry was " factual, '' and told me that they would only remove it if they received documentation from XXXX or the FTC.
Also on XX/XX/2023, I next called XXXX to ask whether they had placed the seven-year alert and forwarded it to XXXX and Equifax. The XXXX representative confirmed that my XXXX credit report reflected a seven-year fraud alert, and that the alert had been forwarded to both XXXX and Equifax. The XXXX representative recommended that I check back with the other bureaus after XX/XX/2023, because that would give the other bureaus a full week to receive notice and implement the seven-year alert.
On XX/XX/2023, I called XXXX to check the status of the seven-year alert. The XXXX representative confirmed that they had received the notice from XXXX and that my XXXX credit report reflected a seven-year alert.
On XX/XX/2023, I called Equifax to check the status of the seven-year alert. I received conflicting information from Equifax. The first Equifax representative told me that they had received the notice from XXXX, but because my account already reflected the initial one-year alert, they were unable to change the one-year alert to the seven-year alert. I asked to speak to a supervisor who could make this change for me. I was transferred to a second Equifax representative, who told me that they had not received any notice from XXXX. The second Equifax representative told me that I had two options : I could either contact XXXX to confirm that they had sent the notice, or I could send Equifax all of the documentation required for Equifax to place a seven-year alert.
Also on XX/XX/2023, I called XXXX to confirm the status of the seven-year alert. The XXXX representative reaffirmed that XXXX had placed a seven-year alert and notified the other bureaus. I explained that Equifax might not have received the notification, and I asked if it would be possible to send Equifax the notification again. The XXXX representative told me that it was not their policy to do so, and that they would not be able to send Equifax another notice of the seven-year alert. I also asked XXXX if they could send documentation of the seven-year alert directly to me, so that I could forward it to Equifax. The XXXX representative refused, saying it was not their policy to do so.
Also on XX/XX/2023, I called Equifax again to tell them that XXXX had definitely sent the notification of the seven-year alert, and I asked that the seven-year alert be placed on my account. The Equifax representative told me that my only option was to send Equifax all of the documentation required for Equifax to place a seven-year alert.
At this point, I decided to contact the CFPB.
|
09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files.
FOR Equifax 1. Both the dates under the DOLA and the DOLP are not consisten on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
2. How is it possible that high credit or original amount is being reported inaccurately on my 3B reports when this is from one and the same creditor? There even is a bureau reporting the high credit for this account as {$0.00}. How did that happen if you were verifying information before posting?
XXXX Account Number : XXXX Delete this inaccurate account immediately.
3. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
4. The dates last active do not match on my Equifax XXXX and and XXXX reports.
USDOE/XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
5. Why am I looking at a balance amount of {$8800.00} for this particular charged off account? It should not carry any balance at all. Additionally, the high credit amount is inconsistently reported ; different amounts for each report. It is not making any sense!
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report right away!
6. All information must be accurate, verifiable and consistent to all 3 credit bureaus. So, how come that there are no closing dates on my 2 other credit bureau reports ; only 1 bureau reports a closing date for this charged off account. Why is that?
US DEPT ED Account Number : XXXX Please investigate and delete this from my credit file.
7. THIS IS A DUPLICATE ACCOUNT.
US DEPT ED Account Number : XXXX DELETE THIS DUPLICATE ACCOUNT.
8. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
9. This account should not state 120 days late because it is a collection account.. There should be no balance associated with it.
XXXX Account Number : XXXX Remove for FCRA violation.
10. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION.
11. How is it possible that this collection account has a balance amount of {$1900.00} when it should be listed as XXXX balance? Was there ever a validation done on this account? It does not feel like so.
XXXX XXXXXXXX Account Number : XXXX Delete this account for reporting inaccurate information.
FOR XXXX 1. Both the dates under the DOLA and the DOLP are not consisten on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
2. How is it possible that high credit or original amount is being reported inaccurately on my 3B reports when this is from one and the same creditor? There even is a bureau reporting the high credit for this account as {$0.00}. How did that happen if you were verifying information before posting?
XXXX Account Number : XXXX Delete this inaccurate account immediately.
3. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
4. The dates last active do not match on my Equifax XXXX and and XXXX reports.
USDOE/XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
5. All information must be accurate, verifiable and consistent to all 3 credit bureaus. So, how come that there are no closing dates on my 2 other credit bureau reports ; only 1 bureau reports a closing date for this charged off account. Why is that?
US DEPT ED Account Number : XXXX Please investigate and delete this from my credit file.
6. THIS IS A DUPLICATE ACCOUNT.
US DEPT ED Account Number : XXXX DELETE THIS DUPLICATE ACCOUNT.
7. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
8. This account should not state 120 days late because it is a collection account.. There should be no balance associated with it.
XXXX XXXX Account Number : XXXX Remove for FCRA violation.
9. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION.
10. How is it possible that this collection account has a balance amount of {$1900.00} when it should be listed as XXXX balance? Was there ever a validation done on this account? It does not feel like so.
XXXX XXXXXXXX Account Number : XXXX Delete this account for reporting inaccurate information.
FOR XXXX 1. Both the dates under the DOLA and the DOLP are not consisten on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
2. How is it possible that high credit or original amount is being reported inaccurately on my 3B reports when this is from one and the same creditor? There even is a bureau reporting the high credit for this account as {$0.00}. How did that happen if you were verifying information before posting?
XXXX Account Number : XXXX Delete this inaccurate account immediately.
3. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
4. The dates last active do not match on my Equifax XXXX and and XXXX reports.
USDOE/XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
5. Why am I looking at a balance amount of {$8800.00} for this particular charged off account? It should not carry any balance at all. Additionally, the high credit amount is inconsistently reported ; different amounts for each report. It is not making any sense!
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report right away!
6. TAll information must be accurate, verifiable and consistent to all 3 credit bureaus. So, how come that there are no closing dates on my 2 other credit bureau reports ; only 1 bureau reports a closing date for this charged off account. Why is that?
US DEPT ED Account Number : XXXX Please investigate and delete this from my credit file.
7. THIS IS A DUPLICATE ACCOUNT.
US DEPT ED Account Number : XXXX DELETE THIS DUPLICATE ACCOUNT.
8. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
9. This account should not state 120 days late because it is a collection account.. There should be no balance associated with it.
XXXX XXXX Account Number : XXXX Remove for FCRA violation.
10. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION.
|
07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions XXXX XXXX XXXX XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------ XXXX XXXX XXXX XXXX unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
-------------------
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------------
XXXX XXXX
Closed
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------ XXXX XXXX
Closed
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
---------------------
DEPTEDXXXX XXXX Open
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
--------------------
DEPTEDXXXX XXXX Open
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------
DEPTEDXXXX XXXX
Open
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
-------------------
DEPTEDXXXX XXXX
Open
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
----------------------
XXXX XXXX
Current
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
-------------------XXXX XXXX XXXX Collection/Chargeoff XXXXXXXX unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
----------------------
XXXX XXXX XXXX Closed
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------
XXXX XXXX
Late 120 Days
XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
--------------------
XXXX XXXX Late 120 Days
XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------
XXXX XXXX Late 120 Days XXXX XXXX unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
----------------------
XXXX XXXX Late 120 DayXXXX XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
--------------------- XXXX XXXX
Late 120 Days XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
-------------------
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------------
XXXX XXXX XXXX XXXX XXXXXXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
----------------------
XXXX XXXX XXXX XXXX XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
---------------------
XXXX XXXX XXXX XXXX XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------------XXXX XXXX XXXX XXXX XXXX XXXX unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------------------
XXXX XXXX XXXX XXXX XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
----------------------------
XXXX XXXX XXXX XXXX XXXX XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------------ XXXX XXXX XXXX XXXX XXXX unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
----------------------------
XXXX XXXX XXXX XXXX XXXX unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
----------------------------XXXX XXXX XXXX XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
--------------------------
Below are false inquiries not done by me
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting 100 % correct. You are in violation Of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated Credit Information . Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Ive sent out dispute letters, and evidence supporting my dispute to resolve any issues. I do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.
Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. The Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.
The following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? 9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 2. Agreement with your client that grants XXXX XXXX XXXX the authority to collect 3. this alleged debt.
4. Original wet ink Signed agreement Debtor has made with Debt Collector, or another verifiable proof Debtor has a 5. contractual obligation to pay a Debt collector.
6. Any agreement that bears the original wet ink signature of Debtor, wherein agreed to pay Creditor.
7. All statements while this account was open.
8. Have any insurance claims been made by any creditor regarding this account?
9. O Yes 10. O No 11. Have any Judgements been obtained by any creditor regarding this account?
12. O Yes 13. O No 14. Please provide me the name and address of the bonding agent for XXXX XXXXXXXX XXXX in case legal action become necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Accounts : XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
Sincerely, XXXX XXXX
|
05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Older American |
I KNOW THIS IS LONG VERY SORRY BUT PLEASE READ IT I COULD NOT MAKE IT SHORTER!! Thank you Fraudulent activity on all 3 my credit reports from the three main CRAs .Fraudulent activities involve transactions made between XXXX and XXXX during that period of the I was not living in the XXXX was in XXXX XXXX - XXXX, XXXX XXXX, returning to XXXX XXXX in XXXX after a few months traveling around the XXXX by car until I settled in XXXX XXXX apparently in mid XXXX then moved to XXXX XXXX Florida where I currently live after purchasing a condo. I live with my current girlfriend of approximately three years. I did extensive traveling while living outside the XXXX I moved to XXXX with my the woman I was involved with from XXXX till XXXX she was a XXXX citizen who I met while she was visiting a family of hers who was also a friend of mine. I left the XXXX while involved in a horrific divorce from a XXXX in women with a long history of XXXX XXXX XXXX due to XXXX problems caused by her XXXX behavior causing her to be a XXXX XXXX XXXX XXXX XXXX she had been diagnosed with XXXX XXXXXXXX XXXX XXXX XXXX approximately 20 years prior. She became not completely with treatment and her behavior deteriorated to the point it was dangerous for me to be anywhere she could find me. The issue of my safety and that of my girlfriend was a very substantial factor in our choice to move to XXXX in XXXX where we stayed until XXXX. We moved to XXXX XXXX in XXXX and I returned to the XXXX in XXXX. Unfortunately I have almost no paperwork related to my time in XXXX primarily because I was truly hiding from my exwife she is a XXXX person and I had no clue what she was willing to do to harm me or worse and technically a XXXX citizen is not allowed to travel to XXXX or lived however enforcement is week. However as a citizen of a XXXX the XXXX government does not allow XXXX citizens to travel and live there for any extended period of time which is why I had to move yet again in XXXX relocating to XXXX. My relationship with my girlfriend at the time was in decline she had started the process to obtain a visa to come back to the XXXX with me in XXXX for her and the young daughter we could not legally obtain the documents required the relationship ended. It was time I came home my kids started having kids. While I lived outside the USA I returned a few times for short visits for major family gatherings. My children have no relationship with me ex wife so that was not an issue. My divorce paperwork states separated on or about XXXX XXXX XXXX divorced in XXXX XXXX XXXX will provide copy. I actually left my ex in XXXX living the marital residence where she remained until the house was sold in XXXX I will provide paperwork. I will also provide paperwork to support the above statement. Unfortunately it really begins after I moved from XXXX to XXXX, No banking information because both countries have no banking treaty with the USA. I have a lease from XXXX also paperwork related to the purchase of a home by an American in XXXX a document requesting long term residency which was required to open a business and become after being there well beyond the legal limit I need paperwork to allow me to say it was a the point the local cops who I was friendly with knew my name on sight. I have some of my girlfriends paperwork from XXXX still in XXXX that she provided to homeland to begin the process of obtaining a long term visa to return with me to the XXXX before we moved to XXXX. I have tried several times to get the negative ideas of my 3 credit reports and failed, this is not the first time I am filing out this exact paperwork and failed, I have contacted the last 3 creditor on my credit report both by mail and on the phone dozens of times and failed, I have reported this and obtained documents from the ftc several times most recently on XX/XX/XXXX that reported I will also include it was mailed to the 3 creditors with all other paperwork the ftc provided and that failed. The same information was sent to all three credit agencies and that failed. I am beyond frustrated. What I recently learned was why I cant fix this and I need help to get this fixed. I will send you what I think is enough for you to assist me if you need anything else please let me know and I will do my best to provide it. The issue seems to have been created by two things the fact that I was living outside the XXXX in countries without banking treaties so I personally disappeared from the credit market in the XXXX. My ex continued at the marital residence until it was sold, she did move off for a short period to XXXX XXXX but returned I think because she was facing eviction. Her living in that house which still has the landline phone service I opened in XXXX when I purchased and moved into the house my lawyer told me I could not disconnect the phone after I moved out because it would seem like harassment. That cause my exwife to be able to assume my credit identity fraudulently. And the same situation is preventing my from getting my credit repair. Simply I start the complaint process with a credit card company or credit agency they basically look at 3 things phone contact information and address are two she was in control of both The third is if payment were being made and they were at first this shocked and confused me until I realized why. My ex wife is XXXX but extremely smart, it is my belief that by making small payments and keeping the balances in control when she opened the credit lines she was able to build up the credit history which allowed her to build the credit limits in one case to {$5000.00}. In XXXX when the house was sold she then maxed out the credit lines and stopped paying. If you look a my credit history on all 3 reports it also supports the above statement. My history is perfect until XXXX and after XXXX when the house was sold. I have requested information by phone and in writing from all 3 creditors and they refuse to provide it I have been told basically the same thing by all three. You have protested this many times and lost the accounts are so old they have been written off and sold so long ago its to difficult to provide any information and that included who currently actually had the debt. This both seems crazy as I try to get information in my efforts to ger this fixed. How can I deal with this problem without so much as information about when and where the account was actually open plus no information about what was preceded where and when. Ridiculous and I violation of my rights under the fair credit acts. Also this letter seems like Im XXXX but unfortunately its what happened please really take the time to review what I said and the paperwork Im including. Im going to attach one document when I submit this and then update my file to send the rest I just need a break and yesterday at this point I tried to save it finish later and loss everything I wrote. I am also sending some information in it originally form and with a certified translation of the documents because I have to have them for the appropriate government agencies in the country I lived
|
05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final writtenOFFER OF SETTLEMENT BEFORE LITIGATIONas my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file.I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well asINACCURATE ERRONEOUS ITEMSsent to you previously will also become part of aformal complaint to the Federal Trade Commissionand shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that underSection 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2.What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3.My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that I incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable or Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrectIncorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Anypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumeras a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agency for actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
*Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting ActSection 611 ( a ) ( 1 ) ( A ). Be advised that thedescription of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be providedwithin ( 5 ) days of the completion of your re-investigationand I am keeping a careful record of your actions, including your Method of Verification.I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX : Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205CC : Consumer Financial Protection BureauCC : Attorney Generals OfficeCC : XXXX XXXX XXXXCC : State SenateCC : Federal Deposit Insurance CorporationCC : Comptroller Of The CurrencyCC : Federal Reserve SystemCC : Credit and insuranceCC : Federal Trade CommissionCC : State Regulatory agencyCC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
|
11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
This is my personal clain of identity theft and this not a " regular '' dispute. This needs to be addressed by the upper fraud department to assist me with my identity theft claim.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Equifax XXXX XXXX Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
XXXX XXXX XXXX XXXX XXXX Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information.
Sincerely, XXXX XXXX Enclosed : A copy of my Identity Theft Report Copies of my drivers license and social security card ( to verify my identity and address ) A copy of section 605B of the Fair Credit Reporting Act Also, please note : * Please remove allnon-account holding inquiriesover 30 days old.
* Please add aPromotional Suppressionto my credit file.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.
This is identity theft and I expect you all to protect me and follow the guideline of the laws accordingly.
Equifax, XXXX and XXXX continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer-reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
|
07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
I am XXXX XXXX, and the author of this complaint. I am not a Credit Repair Agency nor counselor, I have just learned to love the DATA. The screen shots provided in this complaint, are from credit reports accessed through XXXX and Equifax itself, and by me with my PII data.
Do Not Contact remains.
As such, as part of, and then the result of this investigation, I request the method of verification from this complaint and then a printed, USPS, mailed Credit Report from each CRA named in this complaint and then as allowed by all rules/mandates.
This is not and has never been, a request for Validation of Debt ( referred to as VOD in this complaint ). I do not and have not asked for any VOD documents.
Accounts within this Complaint XXXX XXXX XXXX and XXXX XXXX XXXX CRAs in this complaint Equifax and XXXX Instead, this complaint has always been about FCRA and FCDPA and your responsibilities as a Data Furnisher and the ONLY Creditor tied to this tradeline, and as the Original Creditor ( owner of this record ).
XXXX - Please REPORT any clarity you would then like to draft a letter for, and this is exactly what the complaint is about. Report it do not send/attach a letter. No one outside of me will see it unless you report it accurately.
When life happens, report it accurately for ALL consumers, that is my intent and goal at this point.
My attachment is my own, proprietary and not authorized for anything or anyone/or use, outside of this complaint.
The Tradelines in this complaint is XXXX XXXX and XXXX XXXX MasterCard. This complaint includes ALL of the CRAs, for now however, XXXX and Equifax.
When you acknowledge/begin understanding, that this tradeline is inaccurate, and incomplete, please either fix it or delete it.
All I have access to is the RESULT of whatever you all are doing/not doing, the gap in my space is that I neither produce the file, nor am I the end system/recipient of the data in the integration/file. But - I love data and forgot, that I did this blindly for over 20 years.
For this complaint its really only between whoever sends the data and loads it. Own your expected result CRAs fix it with the DF when its not, and as governed.
I am nowhere in the/this FIX. I will point put the erroneous data, errors and for free, for now. This complaint is a bit long detailed and tied specifically to the data elements existing within my credit report ( s ) and its compliance with Metro2 Guidelines and that of Data Accuracy with the CRAs and then FDCPA.
I will say if it is happening to me, its systematic CFPB, and then happening to all customers with an adverse ( or possibly clean ) account with or from XXXX. A file is a file. Integrations are Integrations, exceptions are coded.
I will suggest that your existing, and robust IT Teams assist in the complaint, as it is tied specifically to Consumer Data, Credit Profiles, Credit Reporting, Integrations, Files, Data Furnisher Databases, Flat files, Compliant Files, CRA reports, CRA Views and Metro2.
Your response to the original complaint is posted below.
We're no longer the creditor on the accounts. Contact information for the new creditor is included in the uploaded response letter. We decline to delete the accounts from the credit report. Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information. Thank you again for that response XXXX
You also attached responses, one of which is attached as XXXX XXXX-Final Response CB ( 1 ) Added XXXX CFPB, a section of it is pasted below.
Were reporting the accounts correctly, as required by law. Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account. For more information on how the credit reporting agencies may reflect this information, or general questions about information in your credit report, please contact the credit reporting agencies by using the following information XXXX XXXX ( Original/Only Creditor ) - I am relying on the FTC rules that govern you, as a both the Original Creditor/ Lender and Data Furnisher on this tradeline.
FTC Site Definition of Debt Collector/Creditor XXXX XXXX XXXX You will want to refer to section 803. Definitions ( 6 ) and ( 4 ) And then, ECFR, governance on your responsibilities is defined here.
XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX # XXXX Repeated A Few things of note with this complaint and then the response provided by XXXX.
1. There is an absolute and then compliant difference between a Creditor/Lender/Credit Grantor and a Debt Collector 2. You XXXX, are both the Original Creditor and then, the only Creditor associated with the account. Your responsibilities as a Creditor, remain.
3. Whoever you sold this account to becomes the Debt Buyer/Collector. See definition of a Debt Collector/Buyer 4. You are the Data Furnisher for this Tradeline and YOU are reporting data to this Tradeline and have created its current state.
5. The complaint is about your TRADELINE 6. Your last reported dates on my report is XXXX to XXXX respectfully and across all CRAs, deltas/changes are in fact traceable and even reported by XXXX.
Your Dates of First Delinquency ( FACRA Dates ) Pay, Rating Balance History, Available Credit, Account Status etc are a bit suspect.
I am attaching, as screen shots, and from many sources including raw credit reports from the CRAs themselves your tradelines. XXXX, said in their original response : Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information. And Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account.
Thank you for providing and then acknowledging your commitment to accuracy, and then the data you sent/send to the CRAs.
XXXX/Creditor/Original Creditor, is reporting this Tradeline To Equifax/XXXX/XXXX, sourced from a ACR as a raw Credit Report ( directly from the CRA, not online report ) XXXX, that results in this, see attached as : XXXX AT Both 3 CRA I then, dispute the FCRA DOFD and based on your reporting in this Tradeline.
I also assert this tradeline is both incomplete and inaccurate. This complaint demonstrates the data issues between XXXX and then the CRAs.
This is not my battle, unless it goes to court. The Data exchange between the XXXX and the CRA with due diligence, and or discovery can and will flush this out. XXXX in theory verifies the true expected results XXXX is saying is acceptable.
Please Fix the tradeline, to ensure XXXX Data Accuracy goal is attained, and with understanding of Metro2 - and true expected results - or delete it.
|
03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM XXXX XXXXXXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card.
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS XXXX XXXXXXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 15 USC 1681C-2 STATE
S I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!
ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE AC
COUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!
INACCURATE INQUIRES THAT NEED TO BE REMOVED!
ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU , ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!
INACCURATE INQUIRES THAT NEED TO BE REMOVED!
ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
|
09/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Dear CFPB, In XX/XX/XXXX, due to unemployment issues, a mortgage account I held with XXXX XXXX was charged off. The account was sold in XX/XX/XXXX to a company called XXXX XXXX. At that time, I was instructed by XXXX that they no longer held or managed my account and that all payments were to be made to XXXX. Since, I have been making payments and my account is current with XXXX.
Last month ( in XXXX ) when reviewing my XXXX credit report ( See Attached Credit Reports ), I noticed a new, additional charge off noted on my XXXX acct for XX/XX/XXXX. This month ( XXXX ) two new charge offs were noted for XXXX and XX/XX/XXXX.
This is a problem as this account was closed and sold my XXXX in XXXX XXXX and, up until recently ( as per consumer law ) has not been reported on by XXXX.
Seeing this, I immediately submitted disputes with all three credit bureaus ( See Attached XXXX report # XXXX, I currently do not have copies of the other two bureaus reports ). I then wrote an email to XXXX XXXX on XX/XX/XXXX, XXXX See Attached XXXX email ) detailing my concern and asking for an investigation and correction.
I received a response on XX/XX/XXXX stating that they could not find a record of my acct. ( although I had already explained that it had been closed ) and to write to their Research dept. The next day, I faxed a letter to their Research dept ( See Attached XXXX letter ). Additionally, I sent another email stating that I had sent a request to Research.
To Note : When first searching for an email address for XXXX, I visited their website ( XXXX ) and learned that XXXX was requesting that all mortgage correspondence and/or inquiries be directed to a company called XXXX ; there is a link on XXXX website directing mortgage users to XXXX 's website ( XXXX ). On XXXX site, I submitted an online form requesting assistance. I also called and spoke with their customer service dept. and this is where I first obtained XXXX direct email address.
As it has been almost two months of phone calls, emails, faxes, and back and forth with XXXX and XXXX, I can not detail all my communications but, I have provided attachments of my many emails and letters sent to both companies. Also, below is what has been happening over the last several weeks.
On XXXX XXXX ( See attached XXXX email ) I received an email response which stated that someone from XXXX Research Dept. would contact me in 10 business day but, no one ever did.
On XXXX XXXX I received yet another email that someone from their XXXX Escalation Dept. would call me in 2 days but, again, no one ever did ( See attached XXXX email ).
On XXXX XXXX, I sent yet another email to XXXX and to their Escalation Dept. ( See attached XXXX email ) explaining that no one had called me from XXXX or from their Escalation Dept., I received no response from XXXX.
At this point, Ive been bounced around to various depts between the two companies, with no result. Ive explained and re-explained the issue I need help with and, as of yet, have received no resolution.
I believe XXXX/XXXX new entries of charge-offs on my credit report are in error. In an original creditor sold the debt to a collection agency, then according to fair credit reporting practices, it should not continue to report a balance owed. Thats double the damage and is not permitted. It, effectively, re-ages the account and would begin the entire 7-year notation cycle at each new entry.
Additionally, it is reporting inaccurate information. XXXX reporting that my account is delinquent and or overdue is simply wrong. My account is not overdue with XXXX and is current and in repayment.
I have notified and requested from XXXX, XXXX and all three reporting agencies a review and/or correction. As is evident from my attachments to this complain, Ive sent numerous emails, made multiple phone calls, written many letters in an attempt to notify all of the situation and to request review and correction. Ive exhausted all avenues to resolve this matter on my own and urgently need your help.
I believe part of this is simply lack of concern on XXXX end. They are quite aware of the possible damage their error could cause my credit and financial status. Its illegal for a company to knowingly continue to report inaccurate data to a consumers credit report. Yet, this is what XXXX appears to be doing.
I checked my credit report a week ago ( See Attached " All three Credit reportsXXXXXXXX '' ), and my credit score has dropped over 60 points since before XXXX XXXX, XXXX and XXXX notations of charge-offs on my acct ( See Attached pdfs : " Before XXXX entries '' and " After XXXX entries '' ). I believe XXXX reporting plays heavily in this credit score drop. Before XXXX entries, my credit score with Equifax was XXXX, with XXXX XXXX, with XXXX XXXX. Now, both my Equifax and XXXX scores are below and at XXXX.
In addition, I was recently denied a loan. The denial stated that this was partly due to recent delinquent accounts. I have no delinquencies other than what has been noted by XXXX/XXXX.
If you could help me achieving the below corrections and results, I would be extremely appreciative. XXXX and XXXX and or affiliates : 1. Remove the entries from XXXX, XXXX and XX/XX/XXXX from my credit report.
2. Cease and desist current and any future reporting on this account and credit report.
3. Update balance as {$0.00} owing as they have been fully paid for this account and I have no balance.
4. As a good will gesture to help balance damage caused to my credit, remove the original charge off from XXXX XXXX.
5. Provide compensation, as per Consumer Protection law, of {$1000.00} for each entry in error ( XXXX XXXX XXXX XXXX ) reported to my account ( See attached credit reports ) and/or other compensation.
6. Send a letter to each three credit bureaus, explaining the error in their reporting and include a formal request to remove these and any subsequent errors and to ignore subsequent, future reporting on this account.
7. Most importantly, as XXXX XXXX, per their policy, will not be reporting on this account until fully paid, prevent any retaliatory action by XXXX/XXXX to initiate or pressure XXXX to report this account.
As to my request for compensation, as I noted above, XXXX erroneous reporting has caused significant damage to my credit and finances. It has cost me significant time, stress, and worry, on top of financial loss of a loan. With companies that seem to have so little regard for their actions, I believe the only real recourse to affect change and make these companies follow the low, is by affecting them financially.
I believe compensation as per the consumer protection laws is appropriate in my case.
I urgently need help resolving this matter. Ive worked hard over the years to improve my credit and meet my financial obligations and become a better consumer. I am disheartened and frustrated that XXXX and XXXX mistake and disregard for their obligation of fair reporting, has marred my credit.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
|
08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXXXXXX XXXX XXXX XXXXXXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
To Whom It May Concern, In the course of recently screening my personal Equifax credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
10. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Collection/Chargeoff, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, the following inquiries are also unauthorizedXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX they have all violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In reference to my previous CFPB complaint Ref # XXXX submitted on XX/XX/2022 ; The following items on my Equifax credit report ( XX/XX/2022 ) were disputed for 100 % accuracy, correctness, and verification as per FCRA 15 USC Sec 1681i ( a ) ; where any unverified and/or inaccurate accounts must be deleted.
I also ask you to ascertain that the creditor had permissible purpose and was able to verify my complete file information to include Full Name, Address, Date Of Birth, and SSN # ; as per Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Also under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
These are the following accounts you claimed to have investigated as per CFPB complaint Ref # XXXX ( XX/XX/2022 ) : Equifax stated that XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Open Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Account Status Is Reporting Inaccurately Last Payment Date Is Reporting Inaccurately Payment History Is Reporting Inaccurately Account Rating Is Reporting Inaccurately This is grounds for removal.
Equifax stated that XXXX XXXX XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Reported Is Reporting Inaccurately Date Opened Is Reporting Inaccurately This is grounds for removal.
Equifax stated that XXXX XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately High Balance Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Date Is Reporting Inaccurately Payment History Is Reporting Inaccurately This is ground for removal.
Equifax stated that XXXX XXXX and Acct # XXXX was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Reported Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Last Payment Date Is Reporting Inaccurately Payment History Is Reporting Inaccurately This is grounds for removal Equifax stated that XXXX XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute High Balance Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal.
Equifax stated that XXXX XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment Status Is Reporting Inaccurately Payment History Is Reporting Inaccurately This is grounds for removal Equifax stated that XXXX XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Account Status Reporting Inaccurately Payment History Is Reporting Inaccurately This is grounds for removal.
Equifax stated that XXXX XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Account Number Is Reporting Inaccurately Date Of Last Activity Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute High Balance Is Reporting Inaccurately This is grounds for removal.
Equifax state that XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Balanced Owed Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal.
Equifax state that XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal.
Equifax state that XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal.
15 USC 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
15 USC 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states ; if items are found inaccurate or can not be verified, the consumer reporting shall promptly delete the information from the file of the consumer.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681 Section 611 ( 2 ) ( a ) : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Attached To This Complaint : Initial CFPB complaint Ref # XXXX ( XX/XX/2022 ) XXXX Credit Report ( XX/XX/2022 ) XXXX Credit Report ( XX/XX/2022 ) ( XXXX ) Credit Reports ( XXXX XXXX, 2022 and XXXX XXXX, 2022 ) following my initial complaint to show there was no proper investigation completed and these items should be deleted immediately.
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10/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX, I contacted XXXX regarding a notification that a XXXX store located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX had run a hard inquiry ( one that effects your score ) via Equifax. I contacted XXXX via phone and they told me to contact Equifax and XXXX to initiate a dispute.
Equifax Complaint I contacted Equifax 3 times ( approx. 3 hrs. ) on XX/XX/XXXX via phone and tried to initiate a dispute over the XXXX credit inquiry, request a copy of my credit report and place a fraud alert on my account. Their phone number directed me to an overseas call center where I was told that the dispute into the inquiry had been initiated but, when I checked my account on XXXX, no such dispute was shown as having been initiated so the representative to whom I spoke on XX/XX/XXXX did not do their job since that was the primary reason I had called. In addition to this, the fraud alert that had been requested on XX/XX/XXXX had also not been placed. On XXXX, wanting to follow up and hoping to avoid the nightmare of overseas customer service, I decided to try their online system when I noticed that Equifax offers Identity Theft Protection plans starting at {$19.00} and reflected that I was receiving free XXXX credit monitoring because of the Equifax databreach of XXXX and thought, " Wow! What a marvel of modern capitalism, I can pay these guys to fix a problem they created through their carelessness and greed which they purposely make difficult to resolve. I wonder if they make it difficult in order to sell their service? What a miracle of the 21st century! '' I then used their online system to initiate a dispute over the XXXX credit inquiry, place the fraud alert. I have yet to hear a response from Equifax on the XXXX Credit Inquiry. On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( XXXX ).
XXXX Complaint I contacted XXXX 3 times ( approx. 2 hrs. ) on XX/XX/XXXX and was told that XXXX does not offer services in NC in my area and that as far as they could see no account was listed under neither my SSN nor my name and XXXX told me that a Credit Bureau Inquiry ( Ticket # XXXX ) had been initiated in my name and that I should hear something by XX/XX/XXXX. On XXXX I filed a complaint with the Consumer Financial Protection Bureau ( XXXX ). On XX/XX/XXXX, I received a phone call from an unidentified person at XXXX with XXXX and was told to mail in the " ID Theft Claim Form '' along with proof of ID and residency. In the message the person listed two call back numbers but did not specify which to call ( XXXX & XXXX ). I mailed the letter certified, return receipt requested ( {$7.00} ) [ Tracking # : XXXX ] as directed to an address in XXXX XXXX, NJ. On XX/XX/XXXX after verifying that XXXX had received the letter, which they had received the day before, I contacted XXXX at XXXX ( an overseas call center which handles ID Theft for XXXX ). She said she did not see a record for ( Ticket # XXXX ) in her system and after I explained the the situation, she gave me an Escalation Reference # XXXX. Frustrated that no records had been found using the reference number I had just received a call about, I then tried calling the other number XXXX and spoke with someone named XXXX in the United States whose operator id was ( XXXX ). She looked for accounts using my Social Security # and said that she could not find any accounts open under my name, she then spoke with her supervisor and said that a person named XXXX XXXX who lived in XXXX WA had recently opened an account and that Equifax had probably sent my information instead of XXXXXXXX XXXX by mistake. She later called back from XXXX and said that she had verified this via email with Equifax and that the inquiry would be removed. At this point, I thanked her for being the first person in this process to make my life easier and to actually resolve an issue for me and I assumed the matter to be closed. On XX/XX/XXXX, I received a message from XXXX at XXXX Customer Security Assurance ( XXXX ) who did not leave an extension or direct number to contact him but who told me to call XXXX and to reference Case # XXXX. ( For those of you keeping track at home, I now have 3 reference numbers in XXXX XXXX System : Ticket # XXXX, Escalation Reference # XXXX, Case # XXXX ). When I called with my case number, I encountered a woman in the XXXX XXXX { XXXX Speaking Country } ( an overseas call center which handles ID Theft for XXXX ) who could not forward my call to XXXX and who wanted to know the account numbers for the accounts I was disputing, I then explained that when someone steals your information to open fraudulent accounts, the perpetrator does not typically notify the victim with the account information and the customer service representative then hung up the phone on me. Infuriated, I called the number a second time, and got a call center in XXXX XXXX { XXXX Speaking Country } ( an overseas call center which handles ID Theft for XXXX ), where I spoke with XXXX at XXXX XXXX. After giving my case number, I asked again to speak with XXXX and was given all kinds of reasons and excuses as to why that wasn't possible, I then requested to speak with someone who spoke fluent English and who I could have as a direct point of contact to finally resolve an issue that has been going on since XX/XX/XXXX ( 2 months ). XXXX then transferred me to an extremely rude woman somewhere in the United States who kept talking over me, refused to give her name and who hung up on me all because XXXX does not issue meaningful case reference numbers, their internal departments as well as their international call centers fail to communicate efficiently ( I am sure they hired XXXX himself to design their organizational chart! ) and they failed to train their employees properly at all levels in all locations. For example, they did not train their employees properly to check ID 's when opening new accounts at their store located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Additionally, two of their employees who contacted me at my home phone number failed to leave extension numbers or direct lines with which to return their calls and instead elected to send me down the rabbit hole of overseas non-fluent inefficiency of one of their call centers. Now, I have wasted two months of my life, spent {$7.00}, mailed my information to a company that claims to have received it but who can never find it when called and have a total of 3 meaningless reference numbers ( Ticket # XXXX, Escalation Reference # XXXX, Case # XXXX ) to no avail. Furthermore, I still have to bear the concern that typically when a credit report is requested, the requestor has the right to see a hard copy of that report so how do I know that XXXX and Equifax didn't just send all my personal information to a potential ID Thief in Washington named XXXX XXXX? Do you think either company will compensate me for any damages that may be incurred in the future due to their negligence? They did share my information without my consent and they should be held financially liable for any damages.
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07/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX XXXX : Method of Verification Request : XXXX XXXX # XXXX Dear Consumer Financial Protection Bureau : As you already know, the FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
The consumer is then entitled, under FCRA 611 ( a ) ( 7 ) to request a description of the procedure used by the Credit Reporting Agency, which must include the name, address, and phone number, if available, of any furnisher to which the dispute was sent. The method of verification request should be hard evidence that goes all the way back to the original creditor.
This letter is a formal notice that EQUIFAX CREDIT BUREAU has violated my rights due to willful non-compliance of the FCRA. To be specific, EQUIFAX failed to respond to my METHOD OF VERIFICATION REQUEST letter, dated on XX/XX/XXXX, within 15 days. I have enclosed a copy of the U. S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX, which EQUIFAX employee, XXXX XXXX, signed on XX/XX/XXXX on a U. S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX. EQUIFAX had until Saturday, XX/XX/XXXX to respond. Please note, I have maintained detailed records of all my correspondence with EQUIFAX CREDIT BUREAU.
On XX/XX/XXXX, I received investigation results from EQUIFAX Credit File ( dated XX/XX/XXXX, XXXX/Confirmation # XXXX ) in regards to tradeline XXXX XXXX account # XXXX. While EQUIFAX alleged the dispute results were verified as accurate, there were multiple inaccurate, incorrect, misleading, and unfair " factual errors '' that were still listed on EQUIFAX Credit File ( dated XX/XX/XXXX, XXXX/Confirmation # XXXX ). The " factual errors '' are numbered and circled in black ink and circled and highlighted in orange. For example : Error 1- Account # XXXX : This is incorrect as XXXX has alleged ( please see XXXX Cancellation of Debt ), that the account number is XXXX. The difference in the first number XXXX in front of the number 7 and the last four numbers XXXX are obviously inaccurate.
Error 2-Balance {$1100.00} : This is incorrect and inaccurate. According to EQUIFAX 's records, XXXX verified the balance {$1100.00} as accurate. How is that the case, when XXXX also provided another document ( XXXX Cancellation of Debt-1099-C, dated XX/XX/XXXX XXXX to confirm an {$800.00} amount of debt discharge. The balance should be listed as {$0.00}.
Error 3-Type of Account " Open '' -XXXX has verified this account to be " closed ''. How could it also be " open '' at the same time. Wouldn't " cellphone '' meet the criteria in this particular case? According to Metro 2 Format, this is a misleading a false entry that has been listed in the type of account.
Error 4-Date of 1st DELINQUENCY XX/XX/XXXX : This is incorrect and inaccurate. XXXX XXXX PAID RECEIPT ( Dated XX/XX/XXXX ). I presented my XXXX XXXX receipt as proof that I actually paid {$120.00} on XX/XX/XXXX.
Error 5-Date Closed : This is inaccurate and incorrect. XXXX has confirmed that this tradeline is " closed ''. When did this account " close ''? According the Metro 2 Format, this is " missing field '' that requires the correct " closed date '' against a " closed collection account ''.
Error 6-Date Opened XX/XX/XXXX : This is incorrect and inaccurate. I never " opened '' any XXXX XXXX account on XX/XX/XXXX. The XXXX account was " opened '' in XX/XX/XXXX. Please see XXXX XXXX XXXX PAID RECEIPT posted on XX/XX/XXXX for the amount of {$31.00}. The account was opened on XX/XX/XXXX. Please verify via the XXXX signed written contract or promissory note in my name. It will confirm that XXXX is inaccurate and inconsistent with the " open date ''.
Error 7-Date of Last Payment ( XX/XX/XXXX ) : This is incorrect and inaccurate. I always paid my account on time.
Error 8-Date of Last Payment ( XX/XX/XXXX ) : This is incorrect and inaccurate. I always paid my account on time.
Error 9-Payment History/Historical Account Information : This is incorrect and inaccurate. With regards to this closed collection account, the Payment History/Historical Account Information does not indicate when the late payment status begins 30-59 dates late, 60-89 days late, 90-119 days late, 120-149 days late, 150-179 days late, and what lead up to 180 days late or more into collection status.
Moreso, in date XXXXthe balance {$1100.00}, the Date of Last Payment XX/XX/XXXX, the High Credit {$1500.00} and the Amount Past Due {$1100.00} are all listed, however, in XX/XX/XXXX thru XX/XX/XXXX the Amount Past Due indicate {$0.00}, and the balance, date of last payment, high credit are left blank.
Error 10-Status ( Collection Account ) : This is incorrect and inaccurate. I have provided proof that I paid this account on time.
The dispute process requires the Credit Reporting Agency to refer a copy of the dispute to the furnisher of the disputed information, and to receive a copy of the furnisher 's investigation.
EQUIFAX totally ignored relevant information in my initial dispute letter that was dated XX/XX/XXXX. It included the following : 1 ) XXXX 1099-C CANCELLATION OF DEBT ( Dated XX/XX/XXXX ) : 2. Amount of debt discharged {$800.00} is clearly disputed by the {$1100.00} balance that is listed in the EQUIFAX Credit File. XXXX 's instructions for the debtor has stated " You received this form because a Federal Government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occured that either is or is deemed to be a discharge of a debt of {$600.00} or more and has also verified in letter " G '' -Decision or policy to discontinue collection.
2 ) XXXX XXXX PAID RECEIPT ( Dated XX/XX/XXXX ) : EQUIFAX alleged that the 1st Date of DELINQUENCY was XX/XX/XXXX. I presented my XXXX XXXX receipt as proof that I actually paid {$120.00} on XX/XX/XXXX.
As such, I have enclosed a copy of my : 1 ) Orginal dispute letter dated XX/XX/XXXX XXXX ) Method-of-verification dispute letter dated XX/XX/XXXX 3 ) A copy of a XXXX Cancellation of Debt-1099 C dated XX/XX/XXXX 4 ) XXXX XXXX XXXX PAID RECEIPT dated XX/XX/XXXX XXXX ) Dated receipt of EQUIFAX 'S reception, U. S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX, which EQUIFAX employee, XXXX XXXX, signed on XX/XX/XXXX on a U. S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX PAID RECEIPT posted on XX/XX/XXXX for the amount of {$31.00}. The account was opened on XX/XX/XXXX.
7 ) One EQUIFAX Credit File ( dated XX/XX/XXXX, XXXX/Confirmation # XXXX ) with tradeline XXXX XXXX # XXXX and circled mistakes.
Please DELETE the XXXX XXXX TRADELINE from EQUIFAX for willful non-compliance of any provision of the FCRA.
Sincerely Yours, XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX
|
12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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XX/XX/XXXX To whom it may concern, I am filing this complaint against XXXX XXXX XXXX on two accounts : 1. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance 2. They never informed me that they were a private lender and that I wouldnt be able to start a deferral at the end of the forbearance.
Addressing Issue 1 : XX/XX/XXXX XX/XX/XXXX I was first put into forbearance by the servicer XXXX XXXX. I made a full payment for {$1600.00} on XX/XX/XXXX when I requested the forbearance until it was approved. ( attached*page1 ) I called back in on XX/XX/XXXX to make sure it was approved and they informed me that they were still working on it and so I made a full payment of {$1600.00} for XXXX. ( attached*page2 ) On XX/XX/XXXX I called again and they told me that they had approved a repayment plan until the forbearance was applied and that I should continue to pay as much as I could and that as long as I paid something that I wouldnt be reported negatively. I made XXXX payments of {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( attached*page3,4,5 ) As you can see on those emails the receipt says Repayment Plan on it showing that I was on a repayment plan. On XX/XX/XXXX I got an email stating the forbearance was approved and that during the forbearance term, late charges and other fees will be suspended. ( Attached*page 6 ) Since that day I have kept everything up to date and have been in forbearance all this time.
As you can see from the attached XXXX XXXX never reported a late payment on my credit report and everything was in good standing. ( attached*page 7 ) XX/XX/XXXX- Now XXXX XX/XX/XXXX XXXX XXXX XXXX sent me a letter informing me they were the new servicer.
I filed for a Borrowers Assistance request on XX/XX/XXXX to make sure that I was going to be on forbearance still. They closed my request on XX/XX/XXXX. ( attached*page 8 ) I filed again though their website that same day and again my request was closed. ( attached*page 9 ) I called them at the end of XXXX applied by phone since email wasnt working. They confirmed I was in forbearance.
XXXX XXXX I got an email from my credit report saying that XXXX XXXX XXXX had reported a missed payment.
I called them immediately and they told me I would have to file a complaint by email about this that they couldnt do anything about it over the phone. In the meantime, my credit score dropped over XXXX points and so did the other borrowers because they also reported negatively on hers.
I emailed them on XX/XX/XXXX and filed a complaint with them ( attached*page 10 ). They never emailed me back regarding this. I called several times in XXXX and each time they said a different thing. XXXX guy I talked to in XXXX said that this would be removed after we completed the repair on one of the bathrooms we were having to get fixed under the insurance. I called again when it was complete to have it removed and this person said that this wasnt true and that they wouldnt remove it and that I needed to talk to someone from another department. I emailed them several times and again got the same information from them. I basically got the run around and they used delay tactics in order to just let the days go buy. I called them last on XXXX XXXX and XXXX said that she could see that a complaint had been started regarding this, but that the resolution was set for the XXXX and they are no longer going to be servicing the loan after the XXXX. She said she would email the backend and tell them that they should have a resolution before that.
XXXX XXXX XXXX even sent me letter informing me that I was in forbearance and that nothing negative would be reported on my credit report ( attached*page 11,12 ) I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but XXXX XXXX XXXX informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached*page 13 ) XXXX XXXXXXXX XXXX claims that we missed a payment on XX/XX/XXXX in this letter ( attached*page14 ). Then they report to XXXX that the payment I missed was in XX/XX/XXXX ( attached*page15 ) To XXXX they reported I missed XXXX and XXXX ( attached*page16 ). This is all inaccurate and false. As you can see in the very detailed timeline I was always in forbearance and or making payments and XXXX XXXX never reported a missed payment for XXXX or any other dates. XXXX XXXX XXXX wasnt the servicer of the loan until XX/XX/XXXX and I was always in forbearance with them and am in forbearance with them till XX/XX/XXXX so this is both false and also not in accordance with the Fair Credit Reporting Act.
Addressing Issue 2 : I called XXXX XXXX XXXX at the beginning of XXXX and made sure I was in forbearance with them and they said it was.
In XXXX XXXX XXXX lending reported negatively on my credit report stating I had missed a payment even though I was still in forbearance.
I called them to make sure I was in forbearance and they said that I was until XX/XX/XXXX. The representative I talked to informed me that the loan was no longer eligible for forbearance and that if I wanted to request more time they would have to ask the Lender for an extension. I asked them to do so. They called me back a few days after at the beginning of XXXX to inform me that the lender had approved the forbearance until XX/XX/XXXX.
I called them at the end of XXXX and they told me they were going to mail me paperwork to start the loan modification. I never got the paperwork and called again on XXXX XXXX and XX/XX/XXXX. I asked for the deferral so that the $ XXXX that I owe would be put onto the end of the loan. I knew that I was eligible and would get that for sure because of the CARES Act and having a XXXX XXXX backed loan. XXXX XXXX always reported in my credit report that this account was under XXXX XXXX ( attached*page 7 ). Instead the representative informed me and this was the first time I had heard this : That they can not do a deferment because we have a private investor loan. I was really surprised to hear that since my loan was originated and closed as a Fannie Mae loan in XX/XX/XXXX. I have attached your DU findings from your original loan as verification of this.
When I requested the forbearance from XXXX XXXX it was never advised to me that I could not defer the payments later because my loan was not backed by Fannie Mae. I requested Forbearance with XXXX XXXX XXXX and they also never informed me of this. And there was no way for me to know that my loan was sold as a portfolio loan and not backed by XXXX XXXX This was never disclosed to me or the originator. This was important information because it directly impacts my options for CARES act. Because my loan was originated as a XXXX XXXX transaction I should fall under the CARES Act and be able to defer the forbearance payments. However, my current servicer just advised me today ( XXXX XXXX ) that they were a private lender.
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05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX | Date of Birth : XX/XX/1997 RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect DATE OF BIRTH : XXXX 2. The following personal information is incorrect DATE OF BIRTH : XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
I am writing you in regards to some violations that I have been made aware of based off Consumer Law. I understand that legally there are laws that protect consumers and that need to be followed especially when private information is being reported to third party credit agencies. There are a few violations I would like to point out with this auto XXXX with XXXX and all student loans that are reporting on my credit reports.. Even though the student loans are reporting as closed I am asking they be deleted upon immediate requestThe violations I will discuss is Identity theft, and next the final violation is Determination of Finance Charge 15 U.S.C section 1605 Both these accounts with XXXX and U.S Department of Student Loans are in violation of both laws The first violation I will discuss is identity Theft. Identity theft is a crime which an attacker uses fraud or deception to obtain personal or sensitive information from a victim and misuses it to act in the victims name which usually the perpetrators of such crime are motivated by their own economic gain. This particular violation falls under XXXX law Aggravated Identity Theft XXXX XXXX XXXX XXXX The accounts for all the student loans listed on my credit reports that I have made complaints about several times, each time came back as verified by the credit report agencies which they confirmed with the original creditors. The schools that the loans were for have been owned and operated by XXXX XXXX XXXX during the periods of XXXX. Based on borrowers defense evidence these student loans have been eligible for full loan discharge. These loans are apart of a department action because there was evidence found that a widespread of misconduct violated state consumer protection laws and made a widespread of misrepresentations about its educational programs which are grounds for borrowers defense to repayment under the borrower defense regulations 34 C.F.R S 685.206 and or S685.222. I received an email stating that my loans have been discharged without any requirements of having to file an application because of the pervasive and widespread nature of the schools conduct and or misconduct. Consumer Law 15 U.S.C S 1028a ( 2 ) states that anyone knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority in means of identification of another person shall, in addition to the punishment provided for such felony. In the above paragraph pertaining to the student loans I informed you of the laws that had been broken because of misleading information being given by the school of XXXX XXXX. Not only have they affected me negatively for over 13 years because these loans were taken out from XXXX - XXXX but the loan dispersers have been knowingly transferring my identification documents, authentication feature, knowing that the documents were produced without lawful authority. These loans were proven to be given to borrowers based off false and misleading information and these creditors along with the credit reporting agencies are reporting inaccurate and fraudulent information.
The next violation 15 U.S.C Section 1681C-2-a 1-4 Block of information resulting from identity theft. This particular violation deals with the consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) A copy of an Identity Theft Report ( 3 ) The identification of such information by the consumer ; and ( 4 ) Statement by the consumer that the information is not information relating to any transaction by the consumer The accounts that falls under this violation are all the student loans along with the consolidated loans because these loans were accompanied under the assumption of false and misleading information of attending XXXX XXXX XXXX. Another account that falls under this violation is XXXX. This account should be deleted per request because XXXX is customer consumer transaction account. Customer Consumer Transaction accounts are accounts that are in. Connection with your personal information. The violation with this account falls under the consumer law Definition of XXXX XXXX XXXX and lending section per 15 U.S.C. S 1605. in this section it states that the finance charge shall not include charges of a type payable in a comparison cash transaction In my contract you can clearly see where a down payment cash deposit was put on vehicle.. I was told that a cash deposit had to be given in order to obtain the vehicle I also just noticed on the contract that when total fees were added that instead of them deducting the {$1700.00} cash down payment it was added to the total sale price. Insurance fees were not added in finance charge, Also in this section of what a finance charge includes the sum of all charges.. These charges should have been included in the financed charge.. 15 U.S.C 1605 ( 5 ) sum of all charges.. Because these account s were misrepresented because all sum of fees were not included the law states the premium or other charges for any guarantee or insurance protecting the creditors against the obligators default or other credit loss. Also The finance Charge should be broken down separately in details explaining all charges. This also falls under the 15 U.S.C Section 1611 ( 1 ) - ( 3 ) Criminal liability for willful and knowing violation. The creditors should be fined not more than {$5000.00} or imprisonment not more than 1 year. identity theft as well 15 U.S.C 1028 I also noticed that the {$1700.00} down payment was added into the sale price instead of deducted from the TOTAL sale price.
Because these violations exist currently consumer law 15 U.S.C S 1635 states right of recession as to certain transactions. I am asking because of this violation I have the right to rescind the transaction until delivery of the information.. 15 U.S.C S 1635 Return of money or property following rescission. I am asking that any finance or any other charge given by the obligor along with interest arising by operation of law becomes voided upon such a rescission. Within 20 days after receipt of a notice of rescission the creditor shall return to the obligator any money or property given as earnest money or downpayment.
I am also asking {$1000.00} per each violation of my consumer rights that that was pointed out.. and that for XXXX the remaining balance of the vehicle be reflected as paid off and the contract be voided because of the known violations Also upon reviewing I noticed that on my dealership 90 day warranty was given by the dealership but on the retailer installment contract it states that a fee of extended service which I was charged in the amount of {$1900.00} Please review thoroughly and consider all information With kind regards XXXX XXXX
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07/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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|
Web |
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I am in the process of applying for a loan. This applies to all credit agencies, but first Equifax. After pulling credit checks it has come to my attention, of all the three credit agencies EQUIFAX is reporting my date of birth wrong!
The discrepancy in credit scores between Equifax and XXXX is also over 80 points lower! Equifax is reporting so low, that it affects my credit reputation and impeeds my ability to get approved. My credit with others is over 700+. The information being reported on EQUIFAX is NOT correct. XXXX XXXX is paid in full. XXXX is less than {$1000.00}.
The derogatory information regarding XXXX currently being reported on XXXX and XXXX is not reporting accurate either. Fraudualent reporting from XXXX perceived for failing to disclose payments made of over {$13000.00} in TRUTH. I attach evidence that I paid to XXXX in XX/XX/2018 the sum of {$13000.00} this is commendable to be able to pay this. The statement shows this payment too. Currently in contrast the credit is reporting I paid {$0.00} in XX/XX/2018. My credit is reporting 30 days late, and claims I Paid {$0.00} in XX/XX/XXXX.
Addition to XX/XX/XXXXif XX/XX/2018 I {$2800.00} to XXXX. Again inXX/XX/XXXX the XXXX is reporting {$0.00} paid in XX/XX/XXXX on credit too. This is false fraudualant reporting. In XX/XX/XXXX XXXX Card was paid in full. The XXXX XXXX reporting claims " 30 days past due.. in XX/XX/XXXX andXX/XX/XXXXbut reports no truth of Payments being made.
It is being reported inaccurately due to what I was told by others in XXXX may be a communication break down related to perceive " cultural communications breakdown ''. The XXXX XXXX off shore team responsable for truth in reporting simply do not understand its a lie to report {$0.00} and fraudualant. What is being asked of them to to report payment made. As a USA company, XXXX has chosen to NOT employ Americans any longer in their credit reporting division. That is at their discretion as a company, I certainly have no cultural prejudice. This complaint is without prejudice.
Various requests have been made to XXXX, to simply report the factual truth. In truth there was a verbal agreement made between myself and XXXX to pay the card. And I did pay " as agreed ''. It is not being reported that way. I did pay " as I agreed to pay '' on a RECORDED phone line with someone who sounded Indian from what I perciece could only be the alleged XXXX " XXXX based '' off shore team. The associates of XXXX, engaged by XXXX at a cheaper hourly cost of employment, compared with emploing USA based.
The off shore team seems to be a lack an understanding of how to make exceptions to rules. It is true - I Did not comply with the terms of XXXX " card agreement to " pay in full ''. But that's not the point in this case ... nor is it appropriate for XXXX to reply, citing I did not pay card " in full '' or that XXXX can't make exceptions to the reporting.
The off shore team regardles of what country they are from does not understand USA as much as a USA based person does. The off shore team is not reporting to this with the facts, and the fact is - - I did pay down the card during the time period. To report NO PAYMENTS MADE {$0.00} as XXXX is reporting is a fraudulent misrepresentation of facts and false reporting on my credit file.
In truth, I did pay per the verbal recorded phone agreement with XXXX I made to make a payment. In the State of California when you make an agreement to pay on the phone it changes the existing Card Agreement. The off shore XXXX based team is " following the protocol '' with no regard for STATE law and regulations. The card agreement says pay in full, and the XXXX based off shore team are in charge too of reply to this CFPB complaint, using a USA based address and sending an letter.
Note nobody from the credit department can call you. Its because its XXXX based - only a letter of reply with words such as addresses leading us all to believe the reply is coming from USA, will come in reply to this CFPB complaint too.
The XXXX XXXX company is failing to understand that any off shore team will not have the same understand of what is being Asked of them compared with someone who lives in USA and knows USA because its their home. Under the circumstances here the XXXX off shore team is claiming they " can not make exceptions '' to credit reporting - but under these circumstance in USA the claim the XXXX off shore team is making is just NOT true. I have asked for a USA representative of XXXX to call me on this. When the XXXX USA do get on phone to me as their " valued customer '' and I do raise the discrepancy with my credit reporting - they ( USA XXXX ) attempt to put me through to an off shore call center, English is their second language. That is where this mater now is being sent to for response too.
The fair credit reporting Act of this country USA, requires Truth and Acurrate information to be reported - - it is " the American way ''. And if its not accurate, it MUST be deleted. The XXXX and the XXXX and Equafax people reading this are all in USA.
The in accurate reporting must be expunged. NO PLACE is there ANY reference to the payments I did actually make in the time period attached here to this complaint. That not true or fair credit reporting.
In fact Equafax is reporting {$0.00} paid. This is not true and accurate. I upload supporting evededence of payments made.
President Trump says, " Make America Great Again ''. The Question for XXXX is - - How can we if as a company there choosing to off shore and outsource such important services as accurate credit reprting? As a company if credit reporting in not accurate for whatever reason - it will mess up people life and ability to get credit.
Off shore call centers are controlling the reporting, And through no fault of their own just failing to understand the issues at hand and report " partial payments '' or " paid as agreed ''. And then the off shore team is repeatedly failing to understand the request and DO NOT reply to any request appropriate to the USA way. In order to resolve the matter simply report the accurat truth. Can we Make America great Again if XXXX continue to embrace the policies of not engaging Americans? Seems like a conundrum!
Please - I dont expect the off shore team or XXXX to agree to resolve this matter. But XXXX and Equafax and XXXX are all USA based employees USA jobs. communication breakdown from credit reporting agency folkes are less likely. I emplore the local based USA associates - - Please, just use the evidence I upload of my XXXX statement. See that there were in fact payments made - and all I am asking for is fair reporting. Just report that payments made. I upload this so you understand in simple terms - I request truth to be reported. And the truth is - that I did pay, and certainly not {$0.00} as XXXX off shore team is inaccurately reporting. Its says {$0.00} paid. That is not true!
Lastly - XXXX account need to be expunged, it is a business card not a consumer card. See attached evidence.
|
12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
|
04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the inaccurate and incomplete information that has been reported by the following creditors on my credit report : [ insert names of creditors and account numbers ]. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by reporting incorrect information, specifically in regards to my name and address.
My correct name is XXXX XXXX XXXX, but the credit bureaus have reported it as XXXX XXXX XXXX, XXXX XXXX XXXX. This inaccurate information has caused me significant distress and inconvenience, as it has resulted in me being denied credit and facing higher interest rates than I should have qualified for. This has also caused confusion in my personal and professional life, as it has led to errors in important documents and correspondence.
In addition, my current address is XXXX XXXX XXXX XXXX XXXX, CA XXXX, but the credit bureaus have reported several other addresses that are not associated with me, including XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This has also caused confusion and inconvenience, as it has resulted in important mail and documents being sent to the wrong address and causing delays in receiving them.
These violations of the FCRA have had a significant impact on my life, causing me emotional distress, financial hardship, and even affecting my personal and professional relationships. Therefore, I am requesting that you take appropriate action to enforce the legal requirements under the FCRA, specifically sections 1681e and 1681i, and require these creditors to remove the inaccurate and unverified accounts from my credit report.
According to my report, there are several accounts that have been inaccurately reported by XXXX, XXXX, and Equifax.
Specifically, DPT EDXXXX XXXX XXXX has reported a Last Verified date of XX/XX/XXXX, but XXXX and Equifax have not reported anything. Additionally, XXXX has reported a Date of Last Activity of XX/XX/XXXX, but XXXX has reported XX/XX/XXXX and Equifax has reported XX/XX/XXXX. Furthermore, XXXX has reported a Date Reported date of XX/XX/XXXX, while XXXX has reported XX/XX/XXXX, and Equifax has reported XX/XX/XXXX.
It is important to note that XXXX and Equifax reported a Date Opened date of XX/XX/XXXX, while XXXX reported XX/XX/XXXX. Additionally, all three bureaus have reported that I was 90 days late on XX/XX/XXXX, despite the fact that I did not miss any payment on this account.
These inaccuracies have had a severe impact on my life. Due to these incorrect reports, I have been denied credit, housing, and even employment opportunities. I have had to endure high interest rates and have been forced to pay unnecessary fees, all because of these inaccurate reports.
I believe that these reports are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX, XXXX, and Equifax have violated FCRA Section 1681e, which requires them to follow reasonable procedures to ensure the accuracy of the information in my credit report. They have also violated FCRA Section 1681i, which outlines the procedures for disputing inaccurate information on my credit report.
Furthermore, XXXX, XXXX, and Equifax have violated FCRA Section 1681s-2, which outlines the duties of furnishers of information to consumer reporting agencies. Specifically, they have violated Subsection ( a ) ( 1 ) ( A ), which requires them to provide accurate information to the credit reporting agencies.
The following creditors and account numbers have reported inaccurate information : DPT EDXXXX XXXX According to XXXX, the last verified date is XX/XX/XXXX, but XXXX and Equifax did not report anything. Additionally, XXXX is reporting the date of last activity as XX/XX/XXXX, but XXXX reported it as XX/XX/XXXX and Equifax as XX/XX/XXXX. All three bureaus are reporting that I was 90 days late on XX/XX/XXXX, but I did not miss any payments on this account. According to XXXX, the last payment date is XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and Equifax reported it as XX/XX/XXXX.
This inaccurate information is in violation of the following FCRA sections : XXXX : FCRA Section 1681e - Compliance Procedures Subsection ( b ) - Accuracy of report FCRA Section 1681i - Procedure in case of disputed accuracy Subsection ( a ) - Reinvestigation of disputed information FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies Subsection ( a ) ( XXXX ) ( A ) - Duty to provide accurate information XXXX : FCRA Section 1681e - Compliance Procedures Subsection ( b ) - Accuracy of report FCRA Section 1681i - Procedure in case of disputed accuracy Subsection ( a ) - Reinvestigation of disputed information FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies Subsection ( a ) ( 1 ) ( A ) - Duty to provide accurate information Equifax : FCRA Section 1681e - Compliance Procedures Subsection ( b ) - Accuracy of report FCRA Section 1681i - Procedure in case of disputed accuracy Subsection ( a ) - Reinvestigation of disputed information FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies Subsection ( a ) ( 1 ) ( A ) - Duty to provide accurate information The inaccurate reporting of my credit history has had a significant impact on my life. I have been denied credit, employment, and housing opportunities due to this erroneous information. I have experienced emotional distress and financial hardship as a result of the negative impact on my credit score.
Regarding my XXXX XXXX XXXX Services account ( account number : XXXX ), both XXXX and XXXX have reported the payment status as " charge off. '' However, I have never received any notification or paperwork from them regarding this charge-off account. Furthermore, the reported dates of last activity and date opened by XXXX and XXXX do not match up. These inaccuracies are in violation of Fair Credit Reporting Act ( FCRA ) Section 1681e - Compliance Procedures : Subsection ( b ) - Accuracy of report and FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies : Subsection ( a ) ( 1 ) ( A ) - Duty to provide accurate information.
These errors have caused significant harm to me, as they have negatively impacted my credit score and limited my access to credit. I have been denied loans, credit cards, and even rental applications due to these inaccuracies. It has been an emotional burden, as it has affected my ability to provide for myself and my family.
Therefore, I am requesting that the creditors and their corresponding consumer reporting agencies remove these unverified accounts from my credit report. I also ask that the CFPB enforce the legal violations outlined above and hold these creditors and consumer reporting agencies accountable for their actions.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
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06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
In XX/XX/XXXX I visited the ER for a XXXX related issue at a local hospital in XXXX FL. The hospital had my old insurance on file. I was in the ER for about 3 hours. I did not have my identification with me when I checked in, I gave them my name and they pulled me up in their computer. No one ever came to have me sign any admission or discharge paper work. They did XXXX, a XXXX XXXX and sent me on my way with no discharge instructions, I signed not one document the entire time I was there.
The hospital tried to bill my old insurance company, XXXX XXXX. Which did not go thru. I had XXXX XXXX XXXX at the time from an employer I was working for in Washington state.
In XXXX I applied for an auto loan thru XXXX XXXX and I was given a high interest rate on the car loan. I looked at the report and discovered XXXX collection accounts on my report, all from the one visit to the ER. There was one XXXX bill, a XXXX bill, and a XXXX bill from the XXXX.
I first called the hospital and asked them to bill the proper insurance company and was told, No we will not do that because it has been too long, they wont accept the claim. So I contacted XXXX XXXX XXXX and they told me to get a superbill from each one of them and they would see that it was taken care of. So I called the hospital back and requested a XXXX and was told they couldnt give me one that day. I was astonished and called XXXX XXXX back and we called them on a three way call. They told XXXX XXXX while I was on the phone with them they couldnt give me a superbill because their printer was down. She asked them if they could just email a pdf document to them or me and they said no, they had to send it via regular mail. So ii had to wait several weeks to obtain a XXXX from the hospital.
So I then called the XXXX and XXXX office and told them I also needed a XXXX from them so XXXX XXXX could pay it. They told me they couldnt help me they no longer had the account and I needed to call the collection agency who reported it on my credit report. I call the collection agency as was instructed and asked them for a bill to give to XXXX XXXX. Of course they are a collection agency and not a healthcare facility and they didnt have a superbill, that would violate HIPAA laws. So that too was a dead end.
After fight for weeks and months trying to get these super bills and having to call every day for weeks, they finally sent me a bill in the mail from they XXXX office and the XXXX. I woundt get the XXXX from the hospital for weeks later. I sent the XXXX XXXX XXXX I had to XXXX XXXX and later when I finally got the one from the hospital I sent it on to XXXX XXXX as well. In speaking with XXXX XXXX on a number of occasions and trying to get these bills paid, they asked me if I had made a payment on the hospital bill. I said no, I had not. They said well this bill looks as though someone has made a payment on it. In looking into it further it appears as though the hospital accepted some kind of funding for my hospital bill. Some had been paid towards the bill from somewhere. No my COVID test was negative and it was found to be unrelated to COVID, but it appears they did accept some funding from the federal government towards my bill.
XXXX and XXXX removed the collections from my report after providing them with info from XXXX XXXX. Equifax refused. So I called XXXX after having disputed these items once. When Equifax finished their investigation I called XXXX and told them what was going on and pretty much had to threaten them with double dipping and explained again that XXXX XXXX had taken care of the bill. They werent happy about it but they agreed to send a notification to all three bureaus to remove them from my report. Again, XXXX and XXXX removed the items, Equifax did not, XXXX sent them the letter to remove the items on XX/XX/XXXX. XXXX also sent me the letter via secure email. I have the letter and have sent it to Equifax multiple times, I faxed it, successfully. I tried uploading thru the dispute process online and was not able to successfully upload it due to their site not working.
I have called them on dozens of occasions and been on hold for more than 10 hours. I have been put on hold for hours and no one comes back or Ive been put thru the cue again too have to start all over from the beginning.
I filed a complaint with the CFPB, only to be told that Equifax investigated and they found the item to be accurate. So I filled another dispute with Equifax on XX/XX/XXXX. It has been showing as still being investigated until yesterday. Equifax is reporting now their investigation is complete after only 2-3 days. There is a PDF document when you log into my account, but it will not open. So I filed another complaint with the CFPB the same day I filed the dispute again with Equifax. Last night, the same time the investigation with Equifax reports as being complete, the complaint on the CFPB website indicates that it is still being investigated by Equifax. I have uploaded the letter from XXXX which says basically all three bureaus need to remove these items from my report, along with my passport and drivers license. These items were all faxed to Equifax as well. Yesterday I called them again and asked them what the status was and had to ask for supervisor. The supervisor is never any help and all they say is, Sir we are not removing this from your report. We have to be notified by the company who placed this on the report. Recall the letter from XXXX was sent to all three bureaus on XX/XX/XXXX. As if yesterday the new date the item was reported on my Equifax report now says Date Reported XX/XX/XXXX. So what does this mean? It seems as though they verified it again now that Equifax reports they concluded their investigation.again.
What does a consumer have to do in order to get them to remove these items. I should have a score over XXXX, because of this for the past year my score has been under XXXX. Can someone please help me. I need to refinance my car and my RV camper that I purchased last year. Both of which have higher interest rates than what should have been. This is my third car loan thru XXXX XXXX and it is the highest interest rate on a car I have ever had to pay. I am begging someone to help me please. This is wrong on so many levels. My next step if I do not get help from the CFPB, is to write letters to my congressman, both senators, and my Governor, XXXX XXXX of Florida. It doesn't seem like anyone is concerned that my right are being violated by just about everyone mentioned in this report. My next step will be an attorney and in fact I have already contacted one and hope to hear from them today. Maybe they can help me make some headway and I will just file a lawsuit against every company and agency that has allowed this to happen. Someone will be held responsible, somewhere.
If there is anything you guys can do i would appreciate it. This is only the third complaint i have filed with you guys on this same issue with Equifax. They apparently believe they are above the law.
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08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA , my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
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04/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello Customer Service, Applied for school at XXXX in Spring XX/XX/XXXX and dropped out half way through the 1st Semester. XXXX applied and received amounts totaling XXXX for both Subsidized and Nonsubsidized loans combined for 2 semesters on my behalf. At this time, it was still XXXX XXXX. I was approved for the loan and XXXX received this money. After dropping out before completing the 1st semester and not attending the 2nd semester, that money that was given to them on my behalf, has to be returned to XXXX XXXX from XXXX. Somewhere during this transaction of the refunds, their was an error, either on XXXX or XXXX. Neither side is taking full responsibility. I am in very much disgust, however, because this was brought to both XXXX and XXXX attention back in XX/XX/XXXX whenever the bills from XXXX XXXX started arriving claiming an even higher amount that should have all been refunded from XXXX. Me, myself, called year upon year both sides and told them that something wasn't right about the account and I refused to pay something that wasn't owed. I signed forbearance agreements and deferment agreements just to get this put off as long as possible until someone decided to agree and help with the situation.
The money that should have been refunded, as you can see from the XXXX ledger attached, was XXXX on the Subsidized and XXXX on the Non-Subsidized. This would leave a balance of XXXX owed on Subsidized and XXXX on the Nonsubsidized. This is what also showed on XXXX viewing of XXXX, however, on my viewing it shows the full XXXX for both loans combined + whatever interest and late fee accruals have been added on since this loan was 1st disbursed in XX/XX/XXXX. If these people would have heard me out, when I first told them this was wrong, the forbearance and deferment could have been avoided, but no one wanted to help and try and look deeper into the situation.
XXXX has advised me, that they were unable to find any bank records from that far back on whether or not the transaction failed electronically when the money was refunded back to XXXX XXXX. Therefore, they can not prove that their company wasn't in fault their-selves. When this was brought to their attention again, after about the 50th time, finally someone from the XXXX branch looked further into this issue that I was claiming and decided to take it to a corporate level. This is when we were told that they couldn't locate any bank records. With this information being invalid and unable to locate, they refunded the money again to XXXX ( XXXX XXXX bought out my XXXX ), in the amount of XXXX and XXXX in XX/XX/XXXX. You can also see this transaction on their accounting ledger based on my account. This sounds like to me, they are taking a little responsibility for this error? XXXX applied the money that was sent the second time and noticed that their was a accounting screw-up on their end back in XX/XX/XXXX when this 1st occurred and received all of their money back. I'm not sure, I wasn't involved in any of this communication, but this is the information that I was given.
XXXX XXXX and XXXX XXXX both had correspondence through XXXX that they have been speaking during this whole process. I have asked numerous times for a contact or someone that could help me in getting my account resolved because at this point, they were just trying to re-coupe the money they had just sent and point the finger at XXXX for full responsibility. I have tried myself numerous times to reach out to someone at XXXX, however, all I ever talk to is someone of different ethnic background that doesn't understand the situation and XXXX and XXXX were both working for the school to try and prove that XXXX was the one at fault here.
The 1st payment to XXXX was in XX/XX/XXXX and I paid them a total of XXXX combined for both loans. This is actually more than what was originally owed. You can see the breakdown of payments/interest accrual ( based on an incorrect amount ) / and late fees on these attached PDF documents. I'm not sure what happened from this point, this was all communication between someone at XXXX / XXXX and XXXX, but the last email I received was that my account was up to date and corrected and all late fee and interest accrual had been adjusted. I received this information from XXXX and I advised her that it was still incorrect. This is when I was contacted by XXXX XXXX, also with XXXX.
XXXX XXXX has been in contact with XXXX, since XXXX and XXXX have stepped out and advised me just the other day that everything was right on my account and the XXXX was still owed. I told him this was incorrect and he needed to do the math. The interest rates and late fees during the deferment and forbearance periods should have been a lot lower based on the original amount that was owed not the overcharged amount that was showing in the transaction history. XXXX still showing a balance on my end and have charged late fees like crazy during this process. I advised XXXX and XXXX that all that needed to come to a cease until all this was figured out. I also advised them that I wanted detailing information regarding all adjustments that were made on my account. I haven't received any of this. The XXXX still shows on XXXX but XXXX is showing a XXXX balance. This sounds like to me again, misreporting on XXXX end.
I am waiting to hear back from XXXX regarding any information he has gathered from XXXX, but its almost like pulling a tooth to get any information out of him. He did advise me a few days ago that I needed to reach out to an advocate person at XXXX that would handle all communication between myself and them.
The problem I'm having with all this is I have told both parties about this error since XX/XX/XXXX and nothing has been done to fix it. I apply for loans and get turned down because this loan is showing bad on my credit, even though I have kept up paying it. I do not owe them any more money and that is another issue I'm having problems with. I have already paid in full what is owed to them. I want from these people, either XXXX or XXXX : or both, some kind of fix to this issue. I want my Credit fixed more than anything and I want to put all of this behind me and not have to worry with either of them anymore. Everyone is just trying to save themselves from a lawsuit, because I have spoke with lawyers regarding this matter and " defamation of character ''. I'm not sure what you guys can do for me but I would really appreciate your time and effort into getting this entire matter resolved and both parties to be held responsible for making the last 10 years of my life difficult. Please feel free to give me a call or email if you have any questions or concerns. I tried breaking it down the best I could but their may be some information that was left out.
I am showing a XXXX balance on my credit report for both subsidized and non-subsidized loans, but both are showing past due and CLOSED on their end with a XXXX balance on both. I can provide proof of this from my credit report.
Thank you.
XXXX XXXX
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06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
Ive tried reaching out to the credit bureaus XXXX XXXX and Equifax. I have a few inquiries on my consumer report that should be removed, Below I've put a list for each bureau and the inquiries XXXX 1.Validate Account XXXX Account Number : I need to see all bank transaction that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment 2.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 3.Validate Account XXXXXXXX XXXX Account Number : Please Update all payment, all pay was made on time.
4.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 5.Validate Account XXXX Account Number : My parent has the same name as me.
6.Validate Account XXXX XXXX Account Number : THIS CONTRACT IS CANCELED 7.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 8.Validate Account XXXX XXXX Account Number : Please Update all payment, all pay was made on time.
9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report.
The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
XXXX 1.Validate Account XXXX XXXX XXXX XXXX Account Number : Please ensure that all information is accurate 2.Validate Account XXXX XXXX XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 3.Validate Account XXXX XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
4.Validate Account XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
5.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 6.Validate Account XXXX Account Number : My parent has the same name as me.
7.Validate Account XXXX Account Number : THIS CONTRACT IS CANCELED 8.Validate Account XXXX XXXXXXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
9.Validate Account XXXX XXXX XXXX Account Number : Please supply information on how you have verified this item.
10.Validate Account XXXX Account Number : Please removed from my public record 11.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
12.Validate Account XXXX XXXXXXXX XXXX Account Number : I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 13.Validate Account XXXX XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 14.Validate Account XXXX Account Number : THIS CONTRACT IS CANCELED 15.Validate Account COMENITYCAPITAL/IKEAVC Account Number : Please investigate and delete from my credit report.
16.Validate Account XXXX XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 17.Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.
18.Validate Account XXXX Account Number : My parent has the same name as me.
19.Validate Account XXXX XXXXXXXX XXXX Account Number : I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment Equifax 1.Validate Account XXXX XXXX XXXX Account Number : Please Update all payment, all pay was made on time.
2.Validate Account XXXX XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
3.Validate Account XXXX Account Number : This is not mine.
4.Validate Account XXXX Account Number : Please removed from my public record 5.Validate Account XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 6.Validate Account XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
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07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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To whom it may concern, YOU BROKE THE LAW!!!
Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.
Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.
Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.
Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.
( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.
Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.
Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL ITEMS FROM MY CONSUMER XXXX ACCORDING TO EXHIBIT A BELOW XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3900.00} {$3900.00} {$3900.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3900.00} {$0.00} {$3900.00} Credit Limit : {$3000.00} {$3000.00} {$0.00} Past Due : {$3900.00} {$3900.00} {$3900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - XXXX XXXX XXXX Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$15000.00} {$15000.00} {$15000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$15000.00} {$0.00} {$15000.00} Credit Limit : {$13000.00} {$13000.00} {$0.00} Past Due : {$15000.00} {$15000.00} {$15000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2100.00} {$2100.00} {$2100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2100.00} {$0.00} {$2100.00} Credit Limit : {$1500.00} {$1500.00} {$0.00} Past Due : {$2100.00} {$2100.00} {$2100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$190.00} {$190.00} No. of Months ( terms ) : - - High Credit : {$190.00} {$190.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Affected by natural disaster Affected by natural disaster.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$590.00} {$590.00} {$590.00} No. of Months ( terms ) : - - - High Credit : {$550.00} {$550.00} {$550.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - XXXX Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : -
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04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card.
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES ALONG WITH LATE PAYMENTS THAT NEED TO BE TAKEN OFF ASAP.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS AND LATE PAYMENTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP, AND FRADULENT REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!
XXXX Equifax. XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX. XXXX Account Status Derogatory. Derogatory Derogatory XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Equifax Account # : XXXX Account Type : XXXX XXXX XXXX : Derogatory XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX Bureau Code : Individual XXXX XXXX XXXX XXXX : Derogatory Derogatory Derogatory XXXX XXXX XXXX XXXXXXXX Account # : XXXX Account Type : Installment Account Status : Derogatory XXXX XXXX XXXXXXXX XXXX XXXX. Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type Credit Card Credit Card Credit Card Account Status : Derogatory Derogatory Derogatory XXXX XXXXXXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX Account Type : Installment Installment Installment Account Status : Derogatory Derogatory Derogatory ( Original Creditor : ) Equifax Account # : XXXX Account XXXX : Collection Account Status : Derogatory ( Original Creditor : ) Equifax Account # : XXXX Account Type XXXX Collection Account Status : Derogatory ( Original Creditor : ) Equifax Account # : XXXX Account Type : Collection Account Status : Derogatory XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Status XXXX Derogatory Derogatory Derogatory XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type. : Collection Collection Collection Account Status : Derogatory Derogatory Derogatory XXXX XXXX XXXX Equifax Account # : XXXX Account Status : Derogatory XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Status : Derogatory Derogatory XXXX XXXX XXXX Equifax Account # XXXX XXXX Account Status : Closed Closed Open Date of Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX Equifax Account # : XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX. XXXX Date of Last XXXX XX/XX/XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. Equifax Account # : XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INACURTE INQUIRIES THAT NEED TO BE REMOVED Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Processing XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 15 U.S.C 1681 section 602 States I Have the Right to Privacy ! !!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!!
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
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02/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Link card name 1 late payment {$0.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} Payment Info Status Current, was past due 30 days Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment {$0.00} Late payments XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late - Data Unavailable Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$390.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$390.00} {$390.00} Payment Info Original balance {$390.00} Balance {$390.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1000.00} {$1000.00} Payment Info Original balance {$1000.00} Balance {$1000.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX {$810.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$810.00} {$810.00} Payment Info Original balance {$810.00} Balance {$810.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XXXX XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX {$2000.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$2000.00} {$2000.00} Payment Info Original balance {$2000.00} Balance {$2000.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX {$69.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$69.00} {$69.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score XXXX.
Payment Info Original balance {$69.00} Balance {$69.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX Credit Limit {$0.00} {$200.00} Payment Info Status Past due 90 days Status date XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 60 90 On Time 30 Days Late 60 Days Late 90 Days Late NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements- Contact XXXX XXXX XXXX XXXX, OH XXXX Is XXXX XXXX XXXX XXXX {$1700.00} Balance updated XX/XX/XXXX 1 potentially negative month Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Paid Off : 89 % Balance on XX/XX/XXXX Loan Amount {$1700.00} {$16000.00} Payment Info Status Now redeemed, was a repossession Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment {$350.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time R Repossession - Data Unavailable Additional info Responsibility Individual Terms 81 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this XXXX XXXX {$240.00} Closed 5 potentially negative months
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03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/2023, I sent a letter certified mail to all three credit reporting agencies ( XXXX, XXXX, and Equifax ), explaining that they were violating the Fair Credit Reporting Act by continuing to report inaccurate information on my consumer report and release my consumer report without my written permission ( see attached, Record, No1A, Record No 1B, and Record No 1C ). This includes reporting over ten incorrect names, twenty incorrect addresses, and a plateau of incorrect and duplicate accounts and hard inquiries ( see attached credit report ). The bureaus stated that they would initiate a reinvestigation ; however, their investigation did not correct the errors I identified in my letter.
According to the Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Consumer Statue Violations : 15 U.S.C. 1681 Section 602 ( A/B ) : CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE a. Accuracy and fairness of credit reporting : The Congress makes the following findings : 1. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
2. An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
3. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
4. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
b. Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
15 U.S.C. 1681 SECTION 604 ( A/C ) : PERMISSIBLE PURPOSES OF CONSUMER REPORTS a. In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates.
c. Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.
3. Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
15 U.S. CODE 1681 SECTION 605 ( A ) : REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS a. Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : 4. Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
5. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S. CODE 1681 SECTION 607 ( A/B ) : COMPLIANCE PROCEDURES.
a. Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title.
b. Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S. CODE 1681 SECTION 611 ( 1A/2B/5Ai, ii ) : PROCEDURE IN CASE OF DISPUTED ACCURACY.
Reinvestigations of Disputed Information 1. Reinvestigation Required a. ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
2. Prompt Notice of Dispute to Furnisher of Information b. ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
5. Treatment of Inaccurate or Unverifiable Information A. In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i. promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ii. promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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08/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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potentially negative icon Potentially Negative StatusCollection account. {$2100.00} past due as of XX/XX/XXXX.
Account TypeCollection Balance {$2100.00} Date OpenedXX/XX/XXXX Details Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$5100.00} written off. {$3500.00} past due as of XX/XX/XXXX.
Account TypeCredit card Balance {$5100.00} Date OpenedXX/XX/XXXX.
Details XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7600.00} written off. {$7600.00} past due as of XX/XX/XXXX.
Account TypeCredit card Balance {$7600.00} Date OpenedXX/XX/XXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$410.00} written off. {$410.00} past due as of XX/XX/XXXX.
Account TypeCredit card Balance {$410.00} Date OpenedXX/XX/XXXXDetails XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$4300.00} written off. {$4300.00} past due as of XX/XX/XXXX.
Account TypeCredit card Balance {$4300.00} Date OpenedXX/XX/XXXX Details XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3400.00} written off. {$3400.00} past due as of XX/XX/XXXX.
Account TypeCharge Card Balance {$3400.00} Date OpenedXX/XX/XXXX Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX
Not disputable online XXXX XXXX XXXX Inquired onXX/XX/XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record untilXX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX
Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record untilXX/XX/XXXX
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNot disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired onXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rental on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record untilXX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online
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01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors isee you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
..
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist.
Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liabilityunder this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : ( Pennsylvania State ) Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : ( Pennsylvania State ) Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Re : Complaint for XXXX XXXX XXXX : Formal national and state investigation into the credit practices of XXXX and data protections Dear Sir or Madam, I have spent no less than 12 hours on attempting to get to the bottom of how XXXX submitted an unauthorized application for credit in my name. I have been met with nothing but opposition and astonishment that a company of this size and scope has so many flagrant flaws and minimal protections for the consumer. I believe that my experience is not unique and request a full and immediate investigation.
Overview : I did not apply for credit from XXXX and completed an affidavit to attest to this. I did not attempt to purchase any car in XX/XX/2017 at the XXXX located at XXXX XXXX XXXX XXXX, MD nor give authorization for my credit to be accessed. I have not looked at any XXXX XXXX or applied for any credit from this company.
I found that 5 or more companies had my private information and made credit inquiries on behalf of XXXX. The companies, including XXXX XXXX XXXX, XXXX and others state that they were forwarded the info directly from XXXX.
Statements of Fact 1. I believe that it is part of XXXX XXXX unethical business practices to NOT securely validate persons that walk into the dealership. Perhaps an overzealous, inexperienced salesperson who is pressured to have activity or a credit agent -- I am unsure ... but what I am sure of is that I did not on person or online authorize any such activity.
a. It is ironic that in speaking to the sale Manager XXXX XXXX at XXXX XXXX in XXXX -- he could not find my name in the system and found nothing at the store level indicating that my name or my presence in the store. I spoke with him on XXXX.
2. I have asked the credit department both onsite and offsite the following -- -WHAT signatures they have so that it can be compared to mine, what picture ID and other documents. are available to which they have said -- the name, dob and address were fine so they deemed it valid. I asked for an IP address, online info or anything that might possibly link me and validate this request -- they stated that no such policies exist and that they are not required to provide info.
3. I was told that a police report is NOT necessaryand did complete an affidavit. As a consumer why do I need to waste hours of my time and resources to prove that I contest the application? The system is so very flawed. Both XXXX at XXXX and the manager indicated that it was unnecessary but would help? HOW?
At the inquiry as to how they received my info I was instructed to complete an affidavit which I submitted all documentation and the affidavit ; they still refuse to admit that they fraudulently obtained my info or allowed someone else to. The Auto Department and specifically credit maintenance -- is not responsive, inept and rude ... they do not give last names but I have talked to XXXX and XXXX XXXX -- - the director is XXXX XXXX ( never available ) -- - then told XXXX XXXX is the manager of the credit department. This is confusing but reportedly after speaking with XXXX XXXX -- he is the manager and the application was done online and not in the store. There is no clear way of identifying that the person applying is a " real person '' -- no one knows. There is no request for a copy of a driver 's license online, employment or address verification -- -obviously this is putting all Americans at risk. Their competitors go additional steps ... after checking with XXXX as part of doing due diligence.
Online applications only requiring -- Name, social, dob, address, place for employment for any inquiry ...
The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX fax XXXX.
2. The actual store that help facilitate this fraud is : XXXX XXXX XXXX XXXX in XXXX, MD phone XXXX fax XXXX XXXX XXXX I have contacted the general manager XXXX XXXX on numerous occasions -- no less than a dozen and to his credit he has contacted me approx 3 times but when I call back no answer. Others in the onsite credit dept have been condescending and nonchalant. I did reach a very nice XXXX XXXX ( referenced above ) who connected me back to a manager ( XXXX ) in credit. However, they have a flawed system of response even in the local store as this has been going on for over a months.
3. I believe that XXXX does not have the proper security and protections in place to prevent persons from fraudulently attempting to obtain credit at this facility. This is evidenced by the fact that I was TOTALLY unaware of any credit report or identification of any car with this company and now over 5 loan companies were sent my information and have inquiries on my account. I never LOOKED at any XXXX XXXX and only had one episode ( unknown date ) of being on that location 's premise or website. I have for the last 15 years only driven XXXX XXXX and this is not anything that i would entertain as an option. It is unfair to the consumer to have to repeatedly reach out to the offending company, to be belittled, put on hold at best and be spoken to in tones that are horrific and demeaning by persons who work for the company. They do not return calls, have no real consumer protections in place and no methodical approach to answering questions except for -- '' We said so and that's it. '' I have asked for the legal department -- -1. They don't take calls from consumers '' ... I have asked for the investigator and 2. " They don't take calls from consumers and I have simply asked for manager who are mysteriously never available -- -and there is no assistant manager.
Resolution : 1. I request a full investigation of XXXX Credit practices, their privacy policies and safeguards to protect the citizens of Maryland and the United States by a federal and state agency. I request a written report of both the findings, the federal and state laws that may have been violated. In the event that there are no violations ; I request recommendations on the privacy that should be put in place and how your departments and agencies would protect consumers.
2. I request specific review of my complaint and removal of ALL inquiries generated by this unethical company.
3. I request that the practices and policies of XXXX be published and the findings of this investigation into their practices be made available to the public.
In closing, I have a XXXX year old mother -- - I just wonder how many persons are at risk. If a person can sit on a computer and repeatedly attempt to apply for credit with no validation points or methods. At some point they may get lucky and then take the next step with completing a purchase -- -in the case of XXXX it is only with approval do they require valid personal identification like a simple photo id. There concern is that if they give the car to the person that it is them -- -well the person could fraudulently reproduce Ids, etcafter they get the approval. There should be protection from the beginning. This is bigger than my issue -- -it is a matter of consumer protection across the board.
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11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Agency and its members as Data Furnishers : To my knowledge, as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With regard to any access to education records procedures outlined in Title 20 U.S. Code 1232g must be followed and insure the records are not inaccurate, misleading, or otherwise in violation of the privacy rights of students, and to provide an opportunity for the correction or deletion of any such inaccurate, misleading or otherwise inappropriate data contained therein ; Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud and unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, producing an effect that prevents access to my estates extensions of credit as the beneficiary, denied rights of action, chose-in-action, a conflict of interest against the equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Title 28 U.S. Code 1746.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary Non-person, Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently pulled a copy of my consumer report and noticed 7 items that are in direct violation of my consumer rights under 15 USC 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 USC 1681a ( 2 ) ( i ) which is Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have a right to privacy. Remove and block these items listed below : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXXXXXX XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX I have sent multiple letters requesting the deletion of late payments due to direct violation of my consumer rights.
I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report.
XXXX XXXX showing 30 days past due for XX/XX/2021 and XX/XX/2021 Instead of deleting these negative late remarks you stated they accounts was verified and updated but nothing was changed. I DEMAND DELETION OF THESE NEGATIVE REMARKS DUE TO THE VIOLATIONS LISTED BELOW.
Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this account on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction : payment history Experience : amount of credit using Line of credit : an experience what you use and how you use it/ swipe card : are all transactions Delete the above late payments from my consumer report, this is in violation of the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance ( 15 U.S. Code 1681n ) These negative remarks and accounts reported were without my permission.
THIS INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACATION BY THE CONSUMER.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT You, XXXX are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something As Defined by the IRS The IRS Clearly defies a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition The IRS Clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate.
15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency.
You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The lender must file 1099-C and send you copy if the amount of the debt cancelled is $ XXXX more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS 2021 publication.
I have not gotten a 1099-C that should have been sent when the furnisher reported this account and Filed the account as a cancelled debt but they have not so they are in violation of reporting inaccuarate information as well as XXXX due to I asked for a complete investigation into this matter and was replied back that you have and the account was verified and accurate but it is not.
15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my consumer report.
You have four [ 4 ] days to REMOVE THESE ITEMS FROM MY CONSUMER REPORT.
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03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
I got a loan from XXXX XXXX in XXXX XXXX in the amount of {$3800.00} plus finance charges, I started making payments after that on the dates and amounts to follow : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XXXX XXXX, In between the late payments that started I called to explain my lateness and tried to make payments to catch up my late payments due to COVID, I was presented with a refinance of the loan, adding more money to my balance, but not receiving any of the refinanced loan money, it was simply going to be applied to my balance. I did not accept this offer, because I wasnt trying to add to a balance I was already struggling to pay, I was looking for some type of forbearance and relief from threats of collection and being sued. Well, on XX/XX/XXXX, I was served with a garnishment order, I do not even remember being served or notified of a court date for a garnishment hearing. An Attorney for XXXX XXXX then emailed the funeral home on XX/XX/XXXX, regarding this garnishment order that was served to me asking me to advise her of the dates and amount of any deductions that would be withheld and remitted to the courts. A response was given on XX/XX/XXXX with the following dates/amounts : XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX totaling XXXX to be mailed on XX/XX/XXXX. Those funds were never deducted or remitted to the courts. On XX/XX/XXXX @ XXXXXXXX XXXX, the attorney for XXXX sent another email regarding payment not received, and citing failure to comply to judgment. On XX/XX/XXXX @ XXXX payment was made in full for the total amount of the garnishment order of {$4600.00} + XXXX XXXX XXXX XXXX totaling {$4700.00}. At this point I think this over and done with and I am finally free of the stress and threats. Well in XX/XX/XXXX, I applied for credit to try and get funds to pay off other loans I needed to take care of and was denied due to the reporting status that I had a balance with XXXX XXXX of {$3800.00} reported In XX/XX/XXXX ; no other payment history or amounts, since XXXX of XXXX, showing {$200.00} payment, all other months since XXXX were either blank or showed NR ( not reported ). I then filed a disputed with Equifax on XX/XX/XXXX disputed the balance, status, and advising that this account was paid off in full. I tried to upload the payment receipt and the website would not let me upload the PDF that was well below the file size, it was a one page receipt ; so I submitted it without the receipt copy. On XX/XX/XXXX, the investigation was marked as complete, but no change to the credit report. I had missed the time-frame to review the investigation report by the time I checked it. So, on XX/XX/XXXX, I filed the dispute again for the same thing, stating that I did not have a balance with this XXXX XXXX, that I had paid {$4600.00} plus the service fee to the courts garnishment order and the site still would not let me upload the payment receipt. On XX/XX/XXXX I saw the notification that the investigation was complete, I opened in on Equifaxax.com dashboard and it came back that XXXX XXXX verified that the information was accurate and true, so it would remain on my credit report. I submitted the same dispute again on XX/XX/XXXX, this time it allowed me to attach the payment receipt and I disputed for the same reasons as before. While waiting for the investigation to be done and completed, I called XXXX XXXX collection number on XX/XX/XXXX and explained to the lady XXXX the situation, regarding the reporting to the credit bureaus, that I had disputed this twice and it keeps coming back that the company she works for is reporting the information as accurate and that I owe the {$3800.00}, despite the fact that it had been paid off on XX/XX/XXXX. She told me that I needed to call the local finance office with this issue. I advised her that I was given this number to call and that I had already talked to that office. She then told me that she would forward this information over to the litigation manager, XXXX XXXX and I should receive a call back in a few business days. She said that if I didnt receive a call back, to call her back at her extension which she provided for a follow up of my issue. I never received that call back. I called the number and extension XXXX gave me to check on the status of my issue and to let her know that I never received that call from the litigation manager and her phone line was not answered the three times I called, nor did she return my voicemails left. On XX/XX/XXXX, Equifax marked the dispute completed, I opened it and it was the same as the 2 previous disputes, XXXX XXXX responded as verified true and accurate despite the receipt proof, it remains on my credit report now with a new additional status of Charged Off. At this point I am livid, my vehicle note is falling behind, and I cant get approved for any loan help to pay anything. I then got on the phone and called the local office and went over this whole spill again about my issue with them. The guy that answered the phone then tells me to call that same place again, I told him no one was answering and he should be able to pull up my account. He did so and I answered all of his questions regarding the reported amount of {$3800.00}, charged off, and this isnt trued, it was paid in full to the courts in the amount of {$4600.00}, and still showing open. He pecks on his computer and tells me, no, I see that your balance is {$140.00} and will you paying that off today. I told him I would not, that I do not owe them anymore money, and I would be seeking legal counsel and disconnected the call. I then started compiling all of my information to prepare myself. XX/XX/XXXX, I pulled my credit report, to see the balance amount had been reported on by XXXX XXXX on XX/XX/XXXX as owing {$140.00} and charged off. I tried to file another dispute with Equifax and it would allow me to, stating I already I have an investigation going on and cant file while that is not complete. Mind you, I have filed a dispute since the one that was closed on XXXX XXXX XXXX. Today XX/XX/XXXX, I am currently logged into my Equifax dashboard, and it still says I cant file a dispute due to an ongoing dispute in progress, even though the last one I filed was closed XX/XX/XXXX. Currently my credit report generated on XX/XX/XXXX, shows the XXXX XXXX account now closed, with a {$0.00} balance and status reported as PAID CHARGE OFF. This was reported by the Finance company on XX/XX/XXXX. I am ready to move forward and sue this XXXX XXXX and Equifax for the Fair Credit Reporting Act violations and unfair treatment inflicted upon me. The account was never charged off, it was never in Collection status, it took 2 years for them to change anything and when they did, they reported that I owed them {$140.00} and reported the account as charged off and currently shows as Paid Charge off. This needs to be corrected and removed to only show as PAID.
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12/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX U.S. Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It Might Concern, I am writing AGAIN to dispute the following inaccurate, incorrect account information that has been reporting negative details for the past 13 years and 2 months. The 2 specific accounts that I am referring to are located on pages 27-28 of my XXXX, Equifax, and XXXX 3-in-1 credit report that was pulled on XX/XX/XXXX. I have also attached a copy of those specific pages for your review.
For some apparent reason, ALL 3 creditors are reporting different account numbers, different opening dates, different balances and neither credit bureau has ever actually verified or validated the debt being reported even after being advised that the account information that is being reported by each of them is inaccurate. PLEASE IMMEDIATELY UPDATE BOTH ACCOUNTS PER MY REQUEST AS FOLLOWS FOR ALL 3 CREDIT BUREAUS : 1. CEASE AND DESIST ANY & ALL FURTHER ATTEMPTS TO COLLECT A DEBT!
2. REMOVE ALL REPORTED HISTORY OF LATE PAYMENTS BACK TO XX/XX/XXXX!
3. DO NOT DELETE EITHER OF THE TWO 13-YEAR-OLD ACCOUNTS!
4. BOTH ACCOUNTS SHOULD REMAIN LISTED ON ALL 3 CREDIT BUREAUS!
5. BOTH ACCOUNTS SHOULD BE UPDATED AS CLOSED EFFECTIVE XX/XX/XXXX, PAID AS AGREED, NEVER LATE ON ALL 3 CREDIT BUREAUS!
I have personally contacted XXXX via telephone on numerous occasions requesting specific details regarding these 2 accounts once I learned that they existed and was incorrectly reporting to my credit. I specifically asked XXXX the following questions : 1. WHAT WERE THE ORIGINAL LOAN DATES?
2. WHAT WERE THE ORIGINAL LOAN AMOUNTS BORROWED?
3. WHAT SCHOOL WERE THE FUNDS ISSUED TO?
4. WHY ARE THE LOANS REPORTING PAST DUE? ACCRUING LATE FEES? INTEREST?
5. WHEN DID THE LOANS GO INTO REPAYMENT STATUS?
6. WHY WASNT I NOTIFIED IN WRITING VIA U.S. MAIL AT LEAST 60 DAYS PRIOR?
7. WHAT IS THE REQUESTED PAYMENT AMOUNT? DUE DATE?
8. WHAT OPTIONS ARE AVAILABLE FOR DEFERMENT? FORBEARANCE? FORGIVENESS?
9. PLEASE MAIL ME A COPY OF THE ORIGINAL LOAN DOCUMENTS, TERMS, CONTRACT THAT INCLUDES MY SIGNATURE, PROOF OF PAYMENT ISSUED TO THE SCHOOL AND DATE ITEMS WERE CASHED!
10. REMOVE ALL PRE-EXISTING CONTACT INFORMATION FOR ME INCLUDING TELEPHONE NUMBERS, EMAILS AND ADDRESSES FOR MYSELF, FRIENDS AND FAMILY!
11. DO NOT SAVE ANY NUMBERS THAT I CALL FROM AS A METHOD OF CONTACT FOR ME!
12. DO NOT ATTEMPT TO CONTACT ME VIA ANY OTHER METHOD OTHER THAN U.S. MAIL.
13. DO NOT ATTEMPT TO CONTACT ANYONE ELSE OTHER THAN MYSELF VIA ANY LOANS THAT HAVE BEEN DISTRIBUTED UNDER MY NAME.
14. REMOVE AND CREDIT ALL LATE FEES AND INTEREST THAT HAS ACCRUED TO DATE.
As of this date, XX/XX/XXXX XXXX has failed to comply and honor my requests. They have NOT sent me any of the items or information that I have previously requested both over the phone or via my previous CFPB complaints. Instead, they sent me an electronically signed item that does NOT provide my actual signature accepting the loan. Please find attached, XXXX response to my CFPB complaint that was filed on XX/XX/XXXX after my initial phone attempts to get these issues resolved were not successful!
I have also contacted XXXX XXXX both via telephone, in person and via email requesting details regarding the loan disbursements that XXXX claims were paid out to them. I requested that the school send me proof of the loan disbursement dates and proof of payment as well. The school has verified each time that I was NOT a student at XXXX in XX/XX/XXXX and that they did NOT receive any funding on my behalf during that school year. Please review BOTH letters that I have attached from 2 different departments of XXXX confirming this.
XXXX HAS however confirmed BOTH via telephone and attached correspondence in writing that they are NOT the original owner of these loans! That they are NOT the original issuer of these loans. Therefore, they do NOT have the right to collect a debt that they are NOT the owners of or given direct advance notice of their ownership of these items. This debt has NOT been verified or validated by XXXX XXXX, EQUIFAX, OR XXXX. Therefore, I AM AGAIN DEMANDING THAT MY ABOVE REQUESTS ARE MET BY ALL PARTIES INVOLVED EFFECTIVE IMMEDIATELY!
The information being reported is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. Each of you have failed to comply, honor, respond, correct, and update the information within the original 30-day timeframe stated by law. In fact, you have exceeded this legal timeframe by more than 270 days. PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 27 : PLEASE NOTE THAT EQUIFAX HAS NOT UPDATED THE ACCOUNT SINCE XX/XX/XXXX AS THEY CONTINUE TO SHOW A PATTERN OF NOT COMPLYING AND UPDATING ON TIME, CONSISTENTLY EVERY MONTH.
1. Account # XXXX XXXX XXXX XXXX XXXX, XXXX 2. High Balance being reported for all 3 credit bureaus : {$2000.00} 3. Last Verified by XXXX on XX/XX/XXXX, XXXX -- Equifax -- 4. Date of Last Activity : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Equifax XX/XX/XXXX 5. Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX 6. Date Opened : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX 7. Balance Owed : XXXX {$3700.00}, XXXX {$3700.00}, Equifax {$3600.00} 8. Closed Date : XXXX -- XXXX -- Equifax -- 9. Account Rating : being reported as open for all 3 credit bureaus 10. Dispute Status being reported as NOT DISPUTED by all 3 credit bureaus 11. Creditor Type : XXXX XXXX, XXXX XXXX XXXX, Equifax Miscellaneous Finance 12. Account Status OPEN for all 3 credit bureaus 13. Creditor Remarks : XXXX Dispute resolved, customer disagrees, XXXX Subscriber reports dispute resolved consumer disagrees, Equifax Student loan fixed rate 14. Payment amount XXXX & XXXX {$0.00}, Equifax {$44.00} 15. Late Payment reported by Equifax XX/XX/XXXX PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU LISTED BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 28 : PLEASE NOTE THAT EQUIFAX IS NOT REPORTING THIS ACCOUNT AT ALL AND CONTINUES TO DISPLAY A PATTERN OF INCONSISTENCIES AND VIOLATION OF THE FCRA BY NOT SUPPLYING THE MOST CURRENT AND ACTIVE INFORMATION AVAILABLE FOR ANY ACCOUNT.
1. Account # XXXX XXXX XXXX XXXX 2. High Balance being reported by both credit bureaus {$2000.00} 3. Last Verified by XXXX only XX/XX/XXXX 4. Opened XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 5. Closed XX/XX/XXXX XXXX only 6. Account Rating : Transferred by both credit bureaus 7. Payment status XXXX current, XXXX late 90 days All reporting information is inaccurate, inconsistent, missing AND/OR outdated! UPDATE THE INFORMATION EFFECTIVE IMMEDIATELY! Thanks so much in advance!
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08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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My information was used without my consent which created accounts that im not aware of. Under 15 us 1681c-2 these items must be remoled.
Remaining Inquires the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account XXXX This is not mine. 3.The following account is not mine XXXX Account XXXX XXXX Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. XXXX0.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence XXXXngelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXX Account XXXX My parent has the same name as me. 25.Validate Account XXXX Account XXXX Please supply information on how you have verified this item. 26.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time.
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11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX, I contacted XXXX customer service for the third time to have fraudulent inquiries removed from my report because my score dropped 200 points due to fraudulent inquiries and they would not help and take care of the negative inquiries reporting to your credit report.
XXXX XXXX XXXX
Automotive XX/XX/XXXX XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX
XXXX
Finance, personal XX/XX/XXXX XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX
Automotive XX/XX/XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO
XXXX XXXX, personal XX/XX/XXXXXXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX
Department, variety, local, regional, and national chains XX/XX/XXXX XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX
Automotive XX/XX/XXXXXXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXXXXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXXXXXX XXXX Department, variety, local, regional, and national chains XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personalXX/XX/XXXX XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX
Automotive XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX
Credit card and travel / entertainment companies XX/XX/XXXX XXXX
EQUIFAX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXXXXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Banks and S&LsXX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personalXX/XX/XXXX XXXX XXXX XXXX XXXX Banks and S&LsXX/XX/XXXX XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXXXXXX XXXX XXXX Banks and S&Ls XX/XX/XXXXXXXX XXXX Banks and S&Ls XX/XX/XXXXXXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX
Automotive XX/XX/XXXX XXXX XXXX XXXX AutomotiveXX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXXXXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXXXXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX
Miscellaneous and public record XX/XX/XXXXXXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Banks and S&LsXX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personalXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Finance other than personal XX/XX/XXXXXXXX XXXX Miscellaneous and public record XX/XX/XXXXXXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX
Miscellaneous and public record XX/XX/XXXXXXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXXXXXX XXXX XXXX Banks and S&Ls XX/XX/XXXXXXXX XXXX XXXX Finance other than personalXX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Department, variety, local, regional, and national chains XX/XX/XXXX TXXXX XXXX Department, variety, local, regional, and national chains XX/XX/XXXX XXXX XXXX
Credit card and travel / entertainment companies XX/XX/XXXXXXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX
Miscellaneous and public record XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXXXXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Utilities and fuel XX/XX/XXXXXXXX XXXX XXXX Banks and S&Ls XX/XX/XXXXXXXX XXXX XXXX XXXXanks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX
Miscellaneous and public recordXX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX TXXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX XXXX Banks and S&Ls XX/XX/ XXXX XXXX Banks and S&Ls XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Banks and S&LsXX/XX/XXXX XXXX XXXX Finance, personalXX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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What are you method of verification was you For the following account.
XXXX XXXX Inaccuracies- on credit report XXXX XXXX XXXX 1. Date of last payment are reporting different with each credit bureau XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Last payment made XX/XX/XXXX Please provide what creditor provided you for verification. Creditor wouldnt provide validation of debt to cfpb and are using stall tactics to prevent the inevitable.
Under section 609 you must delete all unverified inaccurate information from the credit report.
Provide evidence of such with attachment.
Sec. 1681i. Procedure in case of disputed accuracy XXXX a ) Dispute ; reinvestigation. If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. The presence of contradictory information in the consumer 's file does not in and of itself constitute reasonable grounds for believing the dispute is frivolous or irrelevant.
( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports. Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the port for any item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer re other purpose, which contained the deleted or disputed information. The consumer reporting agency shall clearly and conspicuously disclose to the consumer his rights to make such a request. Such disclosure shall be made at or prior to the time the information is deleted or the consumer 's statement regarding the disputed information is received.
Sec. 1681i. Procedure in case of disputed accuracy ( a ) Dispute ; reinvestigation. If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. The presence of contradictory information in the consumer 's file does not in and of itself constitute reasonable grounds for believing the dispute is frivolous or irrelevant.
( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports. Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the port for any item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer re other purpose, which contained the deleted or disputed information. The consumer reporting agency shall clearly and conspicuously disclose to the consumer his rights to make such a request. Such disclosure shall be made at or prior to the time the information is deleted or the consumer 's statement regarding the disputed information is received.
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.
( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report
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05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Equifax Information Services LLC, I am writing this letter with a heavy heart to express my utter disappointment and frustration over your continued violation of the Fair Credit Reporting Act ( FCRA ). As a consumer who has been directly affected by your negligence, I implore you to take immediate action to delete the inaccurate, unverifiable, and invalidated information from my consumer file. Failure to comply with my request will result in litigation in accordance with the FCRA to seek relief and recover all monetary damages that I am entitled to under Section 616 and Section 617.
Let me share with you how your actions have affected my life. For years, I have struggled to build a good credit score, which is essential for obtaining loans, applying for employment, and other important transactions. Unfortunately, due to your agency 's incompetence and violation of federal law, my credit report is riddled with inaccurate and unverified information, making it impossible for me to get the credit I need to achieve my goals.
I recently applied for extended credit and was denied, despite my impeccable payment history and responsible financial behavior. The reason? Your agency 's continued refusal to delete the inaccurate and unverifiable information from my credit report. This rejection has left me in a state of distress, as I am unable to access the financial resources that I need to provide for myself and my family.
As a result, I have had to endure sleepless nights and constant anxiety about my financial future. Your agency 's negligence has caused me significant emotional distress, and I can not begin to express the mental anguish that I have had to endure as a result of your actions.
I demand that you take immediate action to delete the following items from my credit report : The following personal information is incorrect 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
5. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
6. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
9. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
14. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX ADJUST Account Number : XXXX Please remove it from my credit report.
15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
I would like to remind you that under the FCRA, you are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. You have failed to provide me with any original documentation, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Your continued disregard for the FCRA has caused me significant harm and distress, and I will not hesitate to pursue litigation in this matter to enforce my rights under the FCRA. Please take immediate action to resolve this matter before further legal action is taken.
Sincerely, XXXX XXXX
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01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. Bankruptcy XXXX XXXX Case Number : XXXX XXXX a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report.
2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
3. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. XXXX XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Listen up! I've had it with your shoddy practices and blatant disregard for the law. Let 's get something straight right off the bat : you claim to have " verified '' the accuracy of these reported items, but who the XXXX verified them? Under the Fair Credit Reporting Act ( FCRA ), you're obligated to have the original creditor ( s ) documentation on file. Yet, you conveniently chose to ignore my previous dispute letters requesting validation, as mandated by 15 USC 1692g Section 809 ( b ). It's crystal clear that you're willfully breaking the law without any remorse.
Guess what? I'm not here to play games. I've already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and mark my words, the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX XXXX XXXX XXXX XXXXXXXX ) will be next in line. This circus act of yours ends now.
I demand to know where the original instrument of indebtedness is. Don't you dare think you can get away with submitting mere photocopies or duplicates. I want to see the real dealthe original loan document with my signature on it. You claimed in writing that these items are being " reported correctly. '' Well, I want answers. Who the XXXX verified these accounts, and how were these so-called verification 's carried out? It's high time you faced the consequences of your willful and negligent noncompliance.
Listen up, sunshine. I've recently got my hands on my credit file, and guess what? It's riddled with inaccuracies and unauthorized hard inquiries. I didn't sign up for any of this nonsense. So, here 's what's going to happen : I demand an immediate block and removal of all these accounts and inaccurate information from my credit file. This isn't your regular disputeit 's a full-blown complaint backed by the Federal Trade Commission , as well as a police report documenting my identity theft. Yeah, you heard it right. I was an unwilling participant in the Equifax data breach of 2017, and you're going to pay for it.
Here 's the deal : I want all the unverifiable information wiped clean within 30 days, as stipulated by the FCRA. And don't even think about reporting anything that's been deleted as a result of fraud15 USC Section 1692e clearly states that false and misleading representation is illegal. So, take a good hard look at those accounts, because they need to go.
To add insult to injury, I haven't received any response from the alleged creditors despite reaching out to them. That's why I demand that you send all the documents related to my case to the address on file. Oh, and make sure to provide me with an updated credit report through the mail, just like I asked. But don't stop thereI want you to send the same updated report to every lender, bank, and credit union that has ever requested my credit file for the past 33 years. And I want proof, stamped with the timestamp, that you've done it.
And listen up, XXXX! You better listen closely. From now on, I only want dispute results sent to me via mail only! You have absolutely no permissible purpose to report anything on my credit file without my explicit consent, as outlined in 15 USC code & 1681. Once you've completed all your little tasks, don't you dare share or sell my personal information to anyone, for any reason, without my written request and consent. Got it? Good.
I'm not playing around anymore. This is your last chance to do the right thing and follow the XXXX consumer laws. Otherwise, you can bet your bottom dollar that we'll be meeting in court, and trust me, it won't be a fun little picnic. I'm a litigious consumer, and I'll make sure you pay every penny, from court fees to lawyer expenses. So, buckle up and get ready for the ride, because it's about to get real.
Consider this a cease and desist warning. It's about time you had the original creditor ( s ) documentation on file to verify the accuracy and ownership of this information. My previous requests for validation have been blatantly ignored, and you're willfully trampling all over the law. You can expect complaints to rain down on you from every directionthe CFPB, the FDCPA, and the XXXX. So, here 's your last chance : show me the alleged original document you claim I signed. Not a copy, not a duplicate. I want the real deal.
And let me be perfectly clear : this is not an idle threat. I will pursue litigation if necessary. So, consider yourself warned. Your days of playing fast and loose with my credit file are over.
Let 's start with 15 USC 1692g Section 809 ( b ), a provision that gives consumers the right to request validation of the accounts in question. As a diligent and informed consumer, I exercised this right by submitting my dispute letters to your esteemed institution. However, it has become apparent that my requests for validation were met with silence, as if they were mere whispers in the wind. This blatant disregard for the provisions outlined in 15 USC 1692g Section 809 ( b ) showcases a willful non-compliance with the FCRA.
Now, let 's delve into the crux of the matter : the need for the original creditor ( s ) documentation. According to the FCRA, it is incumbent upon you, the party responsible for reporting and verifying these accounts, to maintain a copy of the original documentation. This requirement, outlined in the FCRA, ensures the accuracy and legitimacy of the reported information. Failing to adhere to this obligation is akin to breaking the very foundation upon which the credit reporting system is built.
The gravity of this situation can not be overstated. I have taken the initiative to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), a course of action that should underscore the seriousness of the matter at hand. However, rest assured that the CFPB won't be the only institution receiving my grievances. The Fair Debt Collection Practices Act ( FDCPA ) and the XXXX XXXX XXXX XXXX XXXX ) will also bear witness to the unscrupulous practices and non-compliance that have become your modus operandi.
Now, let 's address the elephant in the roomthe alleged original instrument of indebtedness. It is not unreasonable to expect that a bona fide and legally-binding loan document, complete with my signature, be made available for scrutiny. To be clear, I won't settle for clone copies or duplicates. I demand to see the real McCoythe genuine article that unequivocally demonstrates my consent and involvement. This is a fundamental request, one that hinges on the principles outlined in 15 USC 1692g Section 809 ( b ). Anything less than the original document is an affront to the very idea of accountability and transparency.
But let 's not stop there. I want answers, and I want them now. Who verified these accounts? How did this verification process unfold? It is crucial that you shed light on these aspects, as they are instrumental in ensuring compliance with the FCRA and upholding the integrity of the credit reporting system.
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08/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
I recently noted mistakes on my Equifax Credit file. I initially submitted a dispute to EQUIFAX via certified mail dated XX/XX/XXXX and letter was received XX/XX/XXXX. The letter was reporting to EQUIFAX that my credit file has two accounts from XXXX XXXX reporting.
The accounts in question : XXXX XXXX Account Number : XXXX AND XXXX XXXX Account Number : XXXX I reported to Equifax these are unverified and I request verification of these accounts. According to their reporting these accounts were open on XX/XX/XXXX ( Account Number : XXXX ) and the other account ( Account Number : XXXX ) was open on XX/XX/XXXX with a balance of {$2700.00}. I sent the letter asking to verify and delete these accounts because they are obviously added to my report via error.
I received my results from Equifax dated XX/XX/XXXX. In these results, it stats these accounts are not reporting on my credit file. However, the accounts EQUIFAX listed in my results are not the XXXX XXXX accounts I detailed in my initial written dispute dated XX/XX/XXXX. On Friday XX/XX/XXXX at XXXX EST, I called Equifax customer service line and requested clarity on these results I spoke initially with XXXX ( AGENT ID : XXXX ) he initially stated I dont have ANY accounts on MY EQUIFAX CREDIT FILE NO ACCOUNTS at all including the ones on my dispute results. I informed this must be a mistake. He attempted several times and eventually pulled my account and informed the XXXX XXXX accounts are not reporting on credit file and I informed him this cant be because I have the credit file in hand. He was eventually able to locate the file and Informed him of the results I received that list a totally different account than the two I originally disputed. He stated this was a mistake by Equifax. I informed him, I need to speak with a supervisor. He transferred me to XXXX/SUPERVISOR ( AGENT ID : XXXX NEVADA ). I explained to XXXX the account numbers I disputed with EQUIFAX are totally different the account numbers I received on my results. I informed these are not the accounts I disputed and as a result, Im requesting these accounts to be removed. XXXX confirmed the mistake of the accounts but stated EQUIFAX wont delete these accounts. I informed this is a violation of my rights to have the unverified accounts remain even after the results which was sent to me are not the accounts I disputed. He stated he understood, but EQUIFAX wont correct the listing or delete ( which I requested ). He eventually disconnected the call before offering any corrective actions by EQUIFAX.
I called back on XX/XX/XXXX at XXXX EST and initially spoke with XXXX ( AGENT ID : XXXX ). I provided XXXX with the confirmation number including my other personal data to confirm my identity. He stated he couldnt pull up my file and couldnt locate any data on me. He attempted several times and I finally requested to speak with someone else that could help me. He places me on hold and eventually returning and stated he open a ticket with another department and I can call back within 3-5 business days to go over my results. I was blown away by the fact he couldnt locate my file as the previous rep. I requested I should speak with a supervisor. At this point I was connected to XXXX/SUPERVISOR ( AGENT ID : XXXX ). I explained this situation as I did with previous rep and supervisor. He located the file and stated he see the mistake in the EQUIFAX investigation he asks could he place me on a hold. I agreed and was placed a very extended hold of 15-25 mins. He eventually returned to the call and agreed the investigation was error and confirm over the call the accounts were not verified in accordance with the FRCA. However, he stated he understood, but EQUIFAX wont remove the accounts even with the mistake in the investigation and reported results to me. I repeated to XXXX this is an obvious violation and against the law and these accounts must be removed. He repeated several times he agreed, but EQUIFAX wont delete even with the detailed list of errors and violations regarding these accounts investigation. He stated there is nothing that can be done. Eventually, he too disconnected the call.
In addition, I sent a METHOD OF VERIFACTION ( MOV ) request received on XX/XX/XXXX from the previous dispute of these files. I called EQUIFAX back on FRIDAY XX/XX/XXXX at XXXX EST. I spoke with XXXX ( AGENT ID : XXXX ) and explained the issue of the previous disputes and the errored results I received from EQUIFAX he too noted the error in the investigation and eventual results. He stated he could open a new investigation. I informed the window had passed on the original investigation and EQUIFAX didnt ask for an extension in writing to continue to investigation or correct the issue with reporting these files. I then informed him of the NON-RESPONSE to my method of verification into these accounts received by Equifax on XXXX XX/XX/XXXX. He stated he has the letter on my file, but the requested data wasnt sent and will be sent within the 15 days required by law. I informed him of the consistent violations in reporting and investigation by EQUIFAX regarding these files. I informed at this point I need to speak with a supervisor immediately. At this point, I was transferred to XXXX/SUPERVISOR ( AGENT ID : XXXX ) this is the exact same supervisor I spoke with just seven days prior on my original issue. XXXX again stated the investigation was mishandled and was a mistake by EQUIFAX and one mistake by EQUIFAX and violation is not enough to remove the accounts. I informed XXXX he is in violation the FCRA and he confirmed he understands he and EQUIFAX are but, it was a mistake. He went on to mention I didnt receive any response to my written request for method of verification into these accounts. He stated nothing was sent and again just an error on EQUIFAX. I told XXXX this cant be legal how they are handling these matters of my credit file. He stated there is nothing that can be done, and we are going in circles he will not fulfill my request to delete the accounts. I immediate asked for the next level of escalation, which he informed was a supervisor named XXXX and I would be on hold for a long time waiting. He transferred my call XXXX never came to the phone and I eventually got his voice mail and left a message.
By Federal Law/Act, Equifax are required to delete these files with the outlined violations. Im requesting these files be deleted permanently. By Federal Law/Act, they are required to provide to me the aforesaid PHYSICAL documents, proving to me that they have in fact adhered to the letter of the law regarding this matter. Under the FCRA, if EQUIFAX Credit Bureau credit bureau can not, or will not provide me with the legally requested physical verification documents, then " EQUIFAX Credit Bureau must delete said items from appearing on my credit report. I have attached all my letters to EQUIFAX to back up my request including copies of previous dispute letter.
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02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX ( I Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below XXXX XXXX XXXX XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX : Attorney Generals Office XXXX : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XX/XX/XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XX/XX/XXXXAccount NumberXXXX This is not mine. XXXX following account is not mine XXXX Account Number:XXXX 4.Validate Account XX/XX/XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XX/XX/XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XX/XX/XXXX XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account XX/XX/XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed XXXX2.Validate Account XX/XX/XXXXXXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XX/XX/XXXXAccount Number : Please ensure that all information is accurate 14.Validate Account XX/XX/XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXXXX/XX/XXXXAccount Number : Please ensure that all information is accurate 16.Validate Account XX/XX/XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate AccountXX/XX/XXXXXXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account ONEMAIN Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XX/XX/XXXXAccount Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XX/XX/XXXX Account Number : Please removed from my public record 24.Validate Account XX/XX/XXXX XXXX Account NumberXXXX My parent has the same name as me. 25.Validate Account XXXX Account Number:XX/XX/XXXX Please supply information on how you have verified this item. 26.Validate AccountXX/XX/XXXX Account Number : XXXX 27.The following account is not mine XX/XX/XXXXAccount Number:XX/XX/XXXXPlease Update all payment, all pay was made on time. XXXX following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time.
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08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act. This list of Accounts Below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States No consumer reporting agency may make any consumer report containing any of the following item of information, Any adverse item of information, other than records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate Inquiries XXXX XXXXXXXX Location XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual/ Name Location XXXX XXXX XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX Requested XXXX XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXX XXXX via EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type IndividuaXXXX XXXX XXXX XXXX via EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX XXXX XXXX IXXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX View Your Report | XXXX Credit Report XXXX XXXX XXXX? XXXX of XXXX XX/XX/XXXX, XXXX AM The listing of a company 's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you. These inquiries are not seen by anyone but you and will not be used in scoring your credit file ( except insurance companies may have access to other insurance company inquiries, certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries, where permitted by law ). Name Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX # XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Report | XXXX Credit Report XXXX XXXX XXXX? XXXX of XXXX XX/XX/XXXX, XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX via XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX View Your Report | XXXX Credit Report XXXX XXXX XXXX? XXXX of XXXX XX/XX/XXXX, XXXX AM Location XXXX XXXX XXXX XXXX XXXX KS XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Location 2 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX via XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX CO XXXX Requested On XX/XX/XXXX Phone Phone number not available XXXX View Your Report | XXXX Credit Report XXXX : XXXXXXXX XXXX of XXXX XX/XX/XXXX, XXXXXXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX IL XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXXXXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX
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11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing this letter as a formal complaint. You are reporting inaccurate and fraudelent information on my credit report. I would like to inform you that I am a victim of Identity Theft which led to the posting and reporting of false information.
The Fair credit reporting act section 609 ( a ) ( 1 ) ( A ) clearly states that the federal law requires you to provide a verifiable proof for the alleged items, specifically the contract, note or other instrument bearing my signature and showing my association to the Fraudulent Account and Inquiry listed below.
I do not recall giving authorization nor signing any documents to give access to my credit history, therefore the account and inquiry below are fraudulent and violate my rights. The Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 5 ) ( i ) states that your failure to provide Valid and verifiable proof obligates you to immediately remove the Unverified and Fraudulent account listed below.
I have contacted your organization previously to remove invalid and inaccurate information that does not belong to me and to put my file on fraud alert .The Complaint was closed without me receiving a response. You have clearly failed to take actions. The Fcra Section 611 ( a ) ( 1 ) require you to delete it immediately as you have failed to provide a verifiable proof as required under Section 611 ( a ) ( 7 ) The Law Clearly states your civil liability under Fcra section 616 & section section 617 for your failure to comply with the Federal Law. Moreover, I intend to enforce my rights under the fcra and purse rightful litigation in the matter should you fail to comply.
Furthermore, I urge for the removal of inaccurate name and addresses showing on my credit profile. I have enclosed here copies of my U.S Government official passport and social security card, as well as additional documents to support my claims.
Only Name Listed on my Credit report should be XXXX XXXX XXXX Date of Birth XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I look forward to receiving a corrected copy of my credit report with the mentioned inaccuracies deleted.
Fraudulent/Negative Accounts : Account Number : XXXX Account Opened : Reporting Two Different Dates Balance : {$2500.00} XXXX XXXX Equifax XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2500.00} {$2500.00} No. of Months ( terms ) : - - High Credit : {$2500.00} {$2500.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Affected by natural disaster Affected by natural disaster. Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - Late Payment Status : Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : Reporting Two Different Dates Balance : {$160.00} XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$200.00} {$200.00} No. of Months ( terms ) : - - High Credit : {$160.00} {$160.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Affected by natural disaster Affected by natural disaster. Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : Two Separate Dates Balance : {$190.00} XXXX XXXX Equifax XXXX AT T Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$190.00} {$190.00} No. of Months ( terms ) : - - High Credit : {$190.00} {$190.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : Different dates being reported Balance : {$1000.00} XXXX XXXX Equifax XXXX Account # : XXXX XXXX XXXX Account Type : Installment I Account Type - Detail : Utility company Unknown - credit extension, review, or collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1000.00} {$1000.00} {$1000.00} No. of Months ( terms ) : 0 1 0 High Credit : {$0.00} {$0.00} {$0.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$1000.00} {$1000.00} {$1000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Collection account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Late Payment Status : Was 120 days late 1 time ( s ). Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : Reporting different Dates Balance : {$1500.00} XXXX XXXX Equifax XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1500.00} {$1500.00} {$1500.00} No. of Months ( terms ) : 0 0 0 High Credit : {$1700.00} {$0.00} {$1500.00} Credit Limit : {$1300.00} {$1300.00} {$0.00} Past Due : {$1500.00} {$1500.00} {$1500.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Unauthorized Inquiries : Inquiry name : XXXX XXXX XX/XX/XXXX Auto Financing : Inquiry name : XXXX XXXX XX/XX/XXXX Auto Financing : Inquiry name : XXXX XXXX XXXX XX/XX/XXXX Inquiry name : XXXX XX/XX/XXXX Sincerely, XXXX XXXX XXXX
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01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Account name : XXXX Account # : XXXX.Duplicate accounts are illegal and a violation of FCRA XXXX had duplicate ( 4 in total ) on my credit report, I disputed them and they violated my rights. XXXX now owes me multiple {$1000.00} per occurrence violations. I demand they be deleted off of my credit report they are harming me.
Account name XXXX XXXX Account # : XXXX.Duplicate accounts. I demand to see proof of payment for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Account name : XXXX Account # : XXXX.Duplicate accounts shows okay payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that is inaccurate reporting. Therefore REMOVE ALL LATE PAYMENTS off my credit reportAnd update it to paid as agreed due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing Its not accurate. See Red marks on Attached.
Account name : XXXX Account # : XXXX accounts payment history shows okay payment in XXXX of XXXX followed by a 90-day late in XXXX of XXXX. This is inaccurate reporting Therefore REMOVE ALL LATE PAYMENTS off my credit reportAnd update it to paid as agreed due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) Not my account Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) it is illegal for a collections account to have an account type of open This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
1. Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) Re-aging a collection account is illegal, XXXX now owes me multiple {$1000.00} per occurrence violations. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) previously disputed account. XXXX, Equifax and XXXX did not do a proper dispute investigation in the allotted time of 30 days, This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) I demand to see proof of payment for the date of XXXX XXXXThis is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) I demand to see proof of payment for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) payment history shows XXXX of XXXX shows ok payment, followed by 120 day late in XXXX of XXXX which is illegal.This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( XXXX XXXX ) ( XXXX & Equifax XXXX ) the payment history shows XX/XX/XXXX as an okay payment for Equifax a charge-off for XXXX and no information for XXXX followed by in XXXX of XXXX 120 days late for Equifax a charge off for XXXX and no information for XXXX, This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX XXXX XXXX XXXX Account # : XXXX previously disputed account. During the investigation Equifax followed the rules and DELETED the account. XXXX and XXXX did not and are in current violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
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08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl Zip XXXX XXXX XXXX XX/XX/XXXX Holiday In. Club Vacations XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Subject : Cease and Desist Letter Dear Sir/Madam, I am writing to you on behalf of XXXX XXXX XXXX XXXX request that XXXX XXXX. XXXX XXXX immediately cease and desist from engaging in any further activities that infringe upon our rights. It has come to our attention that your organization has been harassing me. I am writing to request the removal of a time share from XXXX XXXX XXXX XXXX that is currently appearing on my credit report. I believe this entry is in violation of consumer protection laws and should be removed immediately.
I would like to provide some background information regarding this matter. In XX/XX/XXXX I attended a presentation by XXXX XXXX XXXX XXXX, during which I was persuaded to purchase a time share. However, I later discovered that the sales practices employed were deceptive and misleading, and the terms and conditions of the contract were misrepresented.
As a consumer, I have the right to accurate and truthful information when making a financial decision. The sales practices employed by XXXX XXXX XXXX XXXX violated these rights and are in violation of consumer protection laws, including but not limited to 1. Cooling-Off Period : Many jurisdictions provide consumers with a limited time, typically several days, after signing a timeshare contract to cancel it without any penalty. This is often known as the cooling-off period.
2. Contract Rescission : Some laws may allow consumers to rescind a timeshare contract within a specific timeframe after the purchase, even beyond the cooling-off period. The process and time limits for rescission can differ based on the jurisdiction.
3. Timeshare Exit Companies : Some regions have enacted laws or regulations to address issues related to timeshare exit companies, which are businesses claiming to help owners get out of their timeshare contracts. These laws aim to protect consumers from deceptive practices.
4. Disclosures and Transparency : Consumer protection laws may require timeshare sellers to provide clear and comprehensive information about the terms, costs, and obligations associated with the timeshare before the purchase.
5. Misrepresentation and Fraud : Laws may be in place to protect consumers from fraudulent or deceptive practices by timeshare developers or sales representatives.
Therefore, I kindly request that you initiate an investigation into this matter and remove the entry related to the XXXX XXXX XXXX XXXX time share from my credit report. I believe this action is warranted based on the following grounds : 1. Misrepresentation of contract terms and conditions.
2. Deceptive sales practices employed during the presentation.
3. Violation of consumer protection laws.
I have enclosed copies of any supporting documentation that substantiates my claims, including within a week of signing documents for the timeshare. I realize that I was being completely scammed the points that I was given and had to pay {$250.00} for I was out of those points by the time I booked a vacation the next day. I then reached out to my sales representative and told her that I no longer wanted my contract and nothing was ever done about it. They just kept sending me out bills each month, I even spoke to someone in the customer relations department in regard to canceling the account and they told me that that was not an option but due to consumer loans I was aware that 1. Cooling-Off Period : Many jurisdictions provide consumers with a limited time, typically several days, after signing a timeshare contract to cancel it without any penalty. This is often known as the cooling-off period.
2. Contract Rescission : Some laws may allow consumers to rescind a timeshare contract within a specific timeframe after the purchase, even beyond the cooling-off period. The process and time limits for rescission can differ based on the jurisdiction.
3. Timeshare Exit Companies : Some regions have enacted laws or regulations to address issues related to timeshare exit companies, which are businesses claiming to help owners get out of their timeshare contracts. These laws aim to protect consumers from deceptive practices.
4. Disclosures and Transparency : Consumer protection laws may require timeshare sellers to provide clear and comprehensive information about the terms, costs, and obligations associated with the timeshare before the purchase.
5. Misrepresentation and Fraud : Laws may be in place to protect consumers from fraudulent or deceptive practices by timeshare developers or sales representatives.
I request that you provide written confirmation once the investigation is complete and the time share entry has been removed from my credit report. Please ensure that this information is also forwarded to any third-party entities that have received my credit report recently.
Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and take the necessary steps to rectify this situation. Should you require any additional information, please do not hesitate to contact me at XXXX ( XXXX ) XXXX or XXXX We hereby demand that [ XXXX XXXX. XXXX Vacations ] immediately : XXXX. Cease and desist from any further use of our [ intellectual property/rights ] in all forms and mediums, including but not limited to advertising, marketing, promotion, or any other commercial activities.
2. Remove all references to our [ intellectual property/rights ] from your website, social media platforms, marketing materials, and any other materials associated with your organization.
3. Confirm in writing within [ specify a reasonable timeframe, e.g., 14 days ] of receiving this letter that you have complied with our demands and have ceased all infringing activities.
4. Provide us with written assurance that you will refrain from any future infringement of our [ intellectual property/rights ].
Failure to comply with this cease and desist letter will leave us with no choice but to pursue all available legal remedies, including seeking injunctive relief, damages, and attorneys ' fees, to enforce our rights and protect our interests.
We expect a prompt and positive response to this letter no later than specify a reasonable deadline, e.g., 14 days from the date of this letter. Please address all future correspondence regarding this matter to the undersigned at the above address.
This letter is not intended to be a complete or exhaustive statement of our rights, legal or otherwise, in connection with the aforementioned matter, and it is without prejudice to any other rights or remedies we may have at law or in equity.
Thank you for your immediate attention to this matter. We trust that you will take the necessary actions to cease and desist from any further infringement of our rights.
Yours sincerely, XXXX XXXX XXXX XX/XX/XXXX
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09/19/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX, IA XXXX Re : XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX Notice of Dispute for Debt Not Due Under the Fair Credit Reporting Act Complainant, XXXX XXXX XXXX, a resident of XXXX XXXX, XXXX XXXX, Texas, brings before the Consumer Financial Protection Bureau ( CFPB ) this Complaint against XXXX XXXX XXXX ( XXXX ), Equifax Consumer Information Services ( Equifax ), and XXXX ( XXXX ), Consumer Reporting Agencies, collectively referred to hereinafter as ( CSAs ), XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for : a. The reinsertion in his consumer files by the CRAs of previously deleted items of information, unverified and uncertified for accuracy furnished by XXXX, as agent for XXXX that Complainant is indebted to XXXX to the sum of {$230.00} for XXXX XXXX XXXX ( XXXX XXXX XXXX rendered unto complainant on XX/XX/XXXX, unverified and uncertified for accuracy without notice to Complainant of the reinsertion by the CRAs within five ( 5 ) days of the reinsertion, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ) and to b. Dispute the validity of the reinserted information as provided pursuant to 15 U.S.C. 1692g, and in support hereof presents : 1. As reported to the CRAs on XX/XX/XXXX, for inclusion in Complainants consumer files, XXXX, a third-party debt collector, on XX/XX/XXXX, opened a collection on behalf of its principal, XXXX, to collect a balance allegedly due XXXX by Complainant to the sum of {$220.00} for XXXX XXXX XXXX ( XXXX XXXX XXXX rendered unto complainant on XX/XX/XXXX. ( See : XXXX Account No. XXXX ).
2. Annexed hereto is a billing statement from XXXX for XX/XX/XXXX, which reflects a XXXX balance. As there is no balance due XXXX for services rendered to Complainant on XX/XX/XXXX, there is no debt due XXXX by Complainant or XXXX or other services rendered on that date and hence Complainant challenges the validity of the debt alleged pursuant to 15 U.S.C. 1692g.
3. On XX/XX/XXXX, I registered Complaint with this agency against the CRAs for the exact same issue. See : CFBP Complaint No. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Equifax XXXX, and XXXX ( XXXX XXXX.
4. Upon reinvestigation it was determined that I was not indebted to XXXX to the sum of {$220.00} for XXXX XXXX rendered on XX/XX/XXXX and the information was DELETED from my consumer files with the CRAs and remained so until XX/XX/XXXX.
5. The only difference is that upon those complaints the third-party debt collector acting on behalf of XXXX was XXXX and XXXX and not XXXX. The fact remains, however, that the information furnished the CRAs regarding Complainants alleged indebtedness is the same information that was determined to be inaccurate and deleted from consumer files.
6. As per the attached XXXX statement, the same result is warranted : Removal from my consumer files of the inaccurate and disputed information of my indebtedness to XXXX to the sum of {$220.00} for services rendered on XX/XX/XXXX.
7. At no time prior to XX/XX/XXXX did either of the CRAs provide Complainant with a statement that the previously deleted items of information were being reinserted into my consumer files, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ).
8. Additionally, XXXX may want to inform its principal, XXXX that in fact it is XXXX who owes me.
9. As of XX/XX/XXXX, Complainants primary health insurer was XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. XXXX Id. XXXX.
10. Moreover, Complainant had secondary health insurance p XXXX XXXX and XXXX XXXX of Texas ( XXXX ), a XXXX XXXX XXXX ( XXXX ) organized and operating under the laws of the State of Texas, through its parent company, XXXX XXXX XXXX XXXX, with its principal place of business at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX.
11. Primary insurance is the insurance that pays its portion medical claims first. XXXX XXXX insurance is the insurance that pays the remainder of the medical claim. Medical claims are submitted first to the primary insurer and that plan pays out the maximum amount an insured is allowed. After the primary insurer pays, then and insured 's secondary health insurer helps to cover the rest, including co-insurance.
12. At all times pertinent, XXXX was a participating provider within the both the XXXX and XXXX networks, meaning that XXXX, XXXX, and XXXX negotiated by contract the amount of payments that XXXX would receive from XXXX and XXXX for services provided ( less plan discounts ) including XXXX.
13. For the XXXX services provided on XX/XX/XXXX, XXXX submitted a claim to XXXX to the sum of {$5600.00}. As per its contract with XXXX, the maximum amount XXXX allows for an XXXX is {$220.00}, which it paid, leaving Complainant with a co-insurance balance of {$200.00} 14. XXXX also submitted the {$5600.00} claim to XXXX. Less, plan discounts negotiated between them, XXXX paid XXXX the sum {$860.00}, which more than satisfied Complaints co-insurance balance of {$200.00}. ( As secondary insurer, XXXX was obliged only to pay the {$200.00} XXXX.
15. XXXX was paid by both XXXX, as primary insurer, and XXXX, as secondary insurer, in accordance with their negotiated payment agreements. Hence, as the XXXX statement reflects, I owe XXXX nothing. In fact, it is XXXX which received an overpayment of {$660.00}, which it actually owes me, and which I hereby demand from its agent, XXXX.
16. The foregoing considered ; I respectfully request : ( a ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).
( b ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ).
( c ) Deletion from my consumer files the disputed information of my indebtedness to XXXX as provided to Equifax, XXXX, and XXXX consumer agencies by XXXX.
( d ) Payment from XXXX on behalf of its principal, XXXX, to the sum of {$660.00}, for unjust enrichment for overpayment of a thing not due.
17. XXXX may be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX. Equifax Consumer Reporting Agency may be served a copy of this Complaint at the following address : Equifax Consumer Reporting Agency XXXX. XXXX XXXX XXXX, Ga XXXX XXXX. XXXX may be served a copy of this Complaint at the following address : XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX XXXX. XXXX XXXXXXXX XXXX may be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX XXXX XXXX Customer Service XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia. XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Sincerely, XXXX XXXX XXXX XXXX
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11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This CFPB complaint is formal notice that you have failed to respond in a timely manner to my dispute letter.
You inform me to contact the creditors and I have done so. According to FDCPA 809b you are required to delete these accounts until they validate. I have requested validation and they have not produced it. Please delete them now.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - This account has a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and fix it. If not, remove right away.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - Since they have previously been paid for, this account shouldn't be showing the present status of 120 days late. It would appear impossible for late fees to be accumulated on a paid-in-full account. If you can't verify it, kindly remove it.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. I think the information in this account is inaccurate. Please look at how this account reports and make any necessary corrections so that the status is instantly shown correctly. If it's impossible to verify, remove right away.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Investigate and adjust the situation as necessary to represent it correctly. Delete right away if you can't verify.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - This account currently publishes information without permission. Despite the fact that an account with a status of 120 days past due is already a charge off account under the Federal Reserve and Federal Insurance Act, you kept this account on your records for eight consecutive months. Please delete this account right away since it contains inaccurate information. Regards.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - This account currently publishes information without permission. According to the Federal Reserve and Federal Insurance Act, an account that is 120 days past due is already a charge off account ; yet, you kept keeping this account 's status as 120 days past due. I previously asked for a copy of the payment history for this account. Where is it? Please delete this account as soon as possible.
DEPTEDXXXX XXXX Balance Owed : {$0.00} This account has already been charged off in accordance with the Federal Reserve and the Federal Deposit Insurance Act after appearing to be 120 days past due. This account needs to be updated for it to seem correct. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. I need you to delete this account since it has reported false information.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - How many times do I have to state that the references used to support the late payment on this account are false and deceptive, thus impacting my credit report? I previously asked that this account be looked at and corrected, but you did nothing. Let me remind you that the FCRA legislation requires you to look into and update this account in response to customer inquiries. I don't think this " investigation '' you conducted was enough, therefore IMMEDIATELY DELETE THIS ACCOUNT!
DEPTEDXXXX XXXX Balance Owed : {$0.00} The fact that you have done nothing to change this account 's inaccurate reporting of information on my credit file is as obvious as day. Isn't an account already regarded as charged off after it is 120 days past due? I've asked you before to repair this account, but you did nothing. Delete this account right away!
DEPTEDXXXX XXXX Balance Owed : {$0.00} This account contains several inaccuracies that seriously harmed my credit report. I previously asked you to update and amend this account due to inaccurate reporting, but as I can see, you haven't taken any action. You have disregarded my demands in violation of the FCRA rules! If you are unable to perform your duties correctly, remove or delete this account!
DEPTEDXXXX XXXX Balance Owed : {$0.00} Earlier, I asked for your assistance in correcting this account since it had been providing false information. Yet it is evident now that you never completed your job after seeing my updated credit report! I'm so angry with your behavior that I'm asking for your assistance once more to totally delete this account from my credit report.
DEPTEDXXXX XXXX Balance Owed : {$0.00} You kept reporting without sufficient verification since you were unable to confirm this account, which is against the FCRA law. Please delete this account immediately.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. If you can't verify this account, look into it and delete it from my credit file. Regards.
DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} - This account has a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and fix it. If not, remove right away.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Even though it is closed and the amount is {$0.00}, this item is now said to be 120 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away.
XXXX XXXX XXXXBalance Owed : {$0.00} - The FDIC 's Account Management Policy and Uniform Credit Retail Credit Classification are both broken by this account, according to the report. Please present evidence of the most recent payment. Otherwise, immediately delete the account.
XXXX XXXX Balance Owed : {$200.00} - By updating the information supplied, evaluate this reporting. Why is there a {$200.00} balance when a charge off account should have a balance of {$0.00} to indicate that it is a charge off account? Please put a quick end to this false reporting.
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09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.
Here is a list of all inaccuracies that I found on my credit report : XXXX XXXX, XXXX XXXX for $ XXXX they sold the debt to a third party collection agency ( credit collection services ) without giving ANY written or verbal consent to do this!. which is breaking 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' i also have 8 closed accounts that need to be removed from my credit report entirely. they include, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, another XXXX, and XXXX XXXX XXXX XXXX accounts. most of these are over 7 years old and should be completely removed from my report. they also did not have my written approval as well.
XXXX XXXX has my name listed as XXXX XXXX XXXX, i have never gone by that name and have no idea how they even have that on there. they must only report things that i authorize them to do..
There are also 5 inquiries that need to be removed as well, which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these companies had written or verbal permission to add any of the inquiries to my report.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' it clearly states they need my permission before adding this information and are illegally reporting information on my credit report.
i also have 12 student loans on my report that need to be removed immediately. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' i never gave them any permission to do this!!
i also have a XXXX XXXX on my report with {$0.00} .... this is pointless and needs to be removed for the same reason everything else is illegal on these reports.
there is an XXXX XXXX account added XX/XX/XXXX, XXXX i NEVER gave them any permission to post this on my report..
The XXXX XXXX account that was added XX/XX/XXXX, XXXX i never gave them permission to do this!
i would also like any late payments to be removed as that information should not be added with out my consent ... These agencies are BREAKING the law and getting away with it!
there are also two addresses on my report that are non mailable addresses and need to be removed,, XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XXXX XXXX XXXX NJ.
XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX These are NON MAILABLE addresses and need to be removed immediately.
They have also reported the wrong info for my employment info so i would like that removed too equifax has included a XXXX XXXX XXXX for {$570.00} from XX/XX/XXXX XXXX i never gave them my written consent to publish this info.
I am opting out of XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. that they provide and i do NOT give them consent to publish any other report on my credit.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. financial institutions can NOT disclose to a nonaffliated third party any nonpublic personal info, unless they PROVIDE a notice to the consumer not only are they breaking FCRA they are also breaking the PRivacy act of 1974 ....
15 U.S. Code 1681n - Civil liability for willful noncompliance... they are knowingly breaking the law and are subject to a {$1000.00} fine PER violation!!
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05/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
On XX/XX/XXXX, I received a letter from XXXX XXXX claiming I owed a debt in the amount of {$3000.00}. On XX/XX/XXXX I sent a certified letter acknowledging the letter but disputing the validity. Using the USPS tracking system for certified letters, the letter I sent has been repeatedly delayed due to bad address. I submitted a complaint to CFPB on XXXX informing them of these practices. XXXX did not respond to the complaint.
On XX/XX/XXXX, I received a notification that this account, which does not belong to me was now on my credit report. I sent the complaint filed previously along with a dispute letter and the credit agencies did not due their due diligence and validated this debt. This is unsatisfactory! The system is designed for the consumer to fail. I am responsible with my debts and will continue to pay my debts. However, when something is not mine and I try to dispute it but the company provides a fraudulent address, what else is there for me to do. Furthermore, the company then adds it to my credit report!! This is not how the Fair Debt Collection Practices is suppose to work. For those who may be reading this, I have provided a refresher on section 809. in that we are entitled to question validity prior to a being held liable. I tried to dispute but the company provided a poor address which is an illegal tactic these types of companies practice and go unpunished.
809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; a
nd ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Provided below is the original complaint : On XX/XX/XXXX, I received a letter from XXXX XXXX claiming I owed a debt in the amount of {$3000.00}. On XX/XX/XXXX I sent a certified letter acknowledging the letter but disputing the validity. Using the USPS tracking system for certified letters, the letter I sent has been repeatedly delayed due to bad address. An attempt to deliver the letter was conducted on three occasions. When I contacted XXXX XXXX over the phone the mailing address is in XXXX, XXXX. Furthermore, no followup letter, phone call, or additional notification was sent stating that this change in address had occurred. My complaint is that this business is expecting me to dispute the validity of debt within a thirty day window but knew any returning mail would and could not be collected by there office. Furthermore, there was no forwarding information to the address provided when you contact XXXX XXXX by phone. This company is using practices not conducive to good business and furthermore does not practice due diligence when trying to receive debt disputes, which leaves people vulnerable to having inaccurate and false information placed on their credit report. As a victim of identity theft, I take the validity process seriously and XXXX is allowed to continue their misleading practices others will be affected as well.
Please see below for certified mail details Tracking Number : XXXX XX/XX/XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, XXXX XXXX The package is delayed and will not be delivered by the expected delivery date. An updated delivery date will be provided when available. The item is currently in transit to the destination as of XX/XX/XXXX at XXXX XXXX. It is on its way to XXXX, XXXX XXXX.
XX/XX/XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Departed USPS Regional Destination Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Departed USPS Regional Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Accepted at USPS Regional Origin Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX Pre-Shipment Info Sent to USPS, USPS Awaiting Item STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Attempts to collect debt not owed We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT
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11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate.
XXXX XXXX XXXX : $ XXXX Always on time on this account. Records show 120 late without a 30 or 60 day prior mark. This is a serious mistake. Examine all documents to ensure that all information, such as the spelling of names and addresses, is accurate. Please eliminate all red marks.
XXXX XXXX XXXX : {$4800.00} - Don't ever pay late. The data show that payments were 90 and 120 days late without a 30-day lead time. This is a serious mistake. Examine each record in detail. Make sure all information is accurate, including address, spelling, DOB, SSN, and other details. Delete any mistakes.
XXXX XXXX XXXX : {$9500.00} - Always on time on this account. Records show 120 late without a 30 or 60 day before mark. This is a serious mistake. Examine all documents to ensure that all information, such as the spelling of names and addresses, is accurate. Please eliminate all red markings.
XXXX XXXX XXXX : {$0.00} - The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this damaging data right away.
XXXX XXXX XXXX : {$0.00} - This account currently publishes information without permission. You continued to record an account as 120 days past due even though it is already a charge off account under the Federal Reserve and Federal Insurance Act. I demand a complete investigation and that an update be made legally and accurately. If unable to verify, remove otherwise.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Investigate, then remove right away.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. I think the information in this account is inaccurate. Please look into how this account reports and update any outdated information right away to reflect the current status. Regards.
XXXX XXXX XXXX : {$0.00} - This only serves to highlight your poor record-keeping skills. Although it is closed and the balance is {$0.00}, this item is currently 120 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have read " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, remove it right away.
XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 120 days late since they have already been paid for. The current status of this account should not be showing derogatory information that is unnecessary and damaging to my credit report, which is a violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect consumers from " unfair credit billing and credit card practices. '' It would appear impossible for late fees to be accumulated on a paid-in-full account. Please look into these absurd statuses and let me know when there was action on the account last. Remove off my Credit Report if not.
XXXX XXXX Balance : {$0.00} - I'm not running behind on this. According to my records, this account was paid as agreed and the amount past due is XXXX. Please take out right away.
XXXX XXXX XXXX : {$0.00} - Since they have already been paid for, this account shouldn't be showing the current status of 120 days late. It would seem impossible for late fees to be accumulated on a paid-in-full account. Take this negative information out of my credit report.
XXXX XXXX XXXX : {$0.00} - The following account should be on my credit report, so please give proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away.
XXXX XXXX XXXX : {$0.00} - This account currently publishes information without permission. You continued to record an account as 120 days past due even though it is already a charge off account under the Federal Reserve and Federal Insurance Act. I want a full inquiry and the total deletion of this account from my credit report. Regards.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Remove this account from my credit report right away.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. I think the information in this account is inaccurate. Please look into how this account is reported ; if not, remove it from my credit report. Regards.
XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 120 days late since they have already been paid for. The current status of this account should not be showing derogatory information that is unnecessary and damaging to my credit report, which is a violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect consumers from " unfair credit billing and credit card practices. '' It would appear impossible for late fees to be accumulated on a paid-in-full account. Please look into these absurd statuses and let me know when there was activity on the account last. If not, delete right away.
XXXX XXXX XXXX : {$0.00} - This only serves to highlight your poor record-keeping skills. Although it is closed and the amount is {$0.00}, this item is now 120 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting false information, remove it right away.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Remove this negative information from my credit report. I'm grateful.
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07/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 123 Months Monthly Payment -- Responsibility Individual Account.
Balance {$2400.00} Highest Balance {$2200.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXXAmount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX OK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late U Unknown DEPT OF ED/XXXX {$4300.00} Account Details Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 123 Months Monthly Payment -- Responsibility Individual Account.
Balance {$4300.00} Highest Balance {$3000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXXAmount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX OK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late U Unknown DEPT OF ED/XXXX {$2200.00} Account Details Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 123 Months Monthly Payment -- Responsibility Individual Account.
Balance {$2200.00} Highest Balance {$1800.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/2020 Amount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX OK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late U Unknown DEPT OF ED/XXXX {$9000.00} Account Details Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account.
Balance {$9000.00} Highest Balance {$6000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXXAmount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX OK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late U Unknown XXXX XXXX XXXX XXXX {$12000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/2016Closed Date -- Limit -- Term 72 Months Monthly Payment {$380.00} Responsibility Joint Account Balance {$12000.00} Highest Balance {$25000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 3/2/0 Remarks -- Payment History Latest Status : Current XXXX 30 OK OK U XXXX OK OK OK OK OK OK OK OK OK 30 60 60 XXXX OK OK OK OK OK OK OK OK OK OK 30 OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX U U U OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late U Unknown 60 60-89 Days Late XXXX XXXX XXXX {$1400.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$1400.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXXAmount Past Due {$1400.00} Times 30/60/90 Days Late 1/1/9 Remarks Charged off account Fixed rate Payment History Latest Status : Collection/Charge-Off XXXX U U U U XXXX 150 180 180 CO CO CO CO U U U U U XXXX OK OK OK OK OK OK OK OK 30 60 90 120 XXXX U OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U Unknown 150 150+ Days Late 180 Unknown CO Collection/Charge-Off 30 30-59 Days Late 60 60-89 Days Late 90 90-119 Days Late 120 120-149 Days Late XXXX XXXX XXXX XXXX {$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$910.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks Consumer disputes after resolution Charged off accou XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 72 Months Monthly Payment {$0.00} Responsibility Joint Account Balance {$0.00} Highest Balance {$21000.00} Payment Status 60-89 Days Late Worst Payment Status -- Date of Last Payment XXXX Creditor Name XXXX XXXX XX/XX/XXXXXXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$14000.00} Payment Status Current Worst Payment Status -- Date of Last Payment Ma XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original CreditorXX/XX/XXXXStatus Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1600.00} High Balance {$1700.00} Remarks Consumer disputes after resolution Collection account XXXX XXXX XXXX {$1500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XX/XX/XXXXStatus Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1500.00} High Balance {$1500.00} Remarks Collection account XXXX XXXX XXXX {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXStatus Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information Collection account all ftc violations
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11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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You have taken longer that 45 days to respond to my dispute and I as a federally protected consumer have a right to privacy and as of right now I am exercising that right. Pursuant to 16 CFR 313.7 I am opting out of the reporting of the following personal nonpublic financial information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is an additional account, however, this account has constantly been changing the account number on a monthly basis which is a violation of the fair credit reporting act and I demand that this account in particular is permanently removed as I never want to see or hear of it again. The account goes as follows : XXXX XXXXXXXX. I am not seeking verification of these accounts as I know it is mine, I am seeking to opt out of these accounts.
16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.
313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( XXXX ) XXXX. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you XXXX do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you XXXX not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) XXXX XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you XXXX only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9.
( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part.
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10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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1 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 2 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( SYNCB/CCSYCC ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 3 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and # XXXX ( XXXX ) XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 5 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 6 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXXXXXX XXXXXXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 7 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 8 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 9 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 10 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 11 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 12 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXXXXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
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05/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Dear Sir/Madam of the Consumer Financial Protection Bureau, On XX/XX/XXXX and XX/XX/XXXX, I sent Equifax correspondence requesting that they investigate several unknown accounts on my credit file, please see proof of the certified mail delivery. This request was in part related to the fact that I recently reviewed my credit report, and found several unauthorized accounts and have subsequently challenged the below alleged negative items and their right to publish such information without completeness of their summary record or providing verification proof of the below alleged items.
Furthermore, it is important to note that they have simply stated The company that reported the information has certified to Equifax that the information is accurate. The aforementioned statement does not fully comply with the regulations set forth in section 609 of the FCRA or the procedures set forth in in the Reinvestigation of Dispute [ 15 U.S.C. 1681i ].
Reinvestigation of Dispute [ 15 U.S.C. 1681i ], Section 611 ( a ) ( 1 ) ( A ) - In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Moreover, they have failed to comply with Section 609 of the FCRA, as it states : Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report. Equifax has not provided relative information on my file, Equifax has NOT reported the recipients, and most important they HAVE NOT clearly and accurately disclosed to XXXX XXXX XXXX the identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report.
Due to their non-compliance to provide the above referenced items Im requesting they DELETE the following unknown accounts or I will be forced to follow through with my intent to file a civil lawsuit : XXXX, Account XXXX {$58000.00} Finally, I have tried repeatedly to contact Equifax and each creditor directly and have not had any success. Therefore, I ask that the CFPB enforce Equifaxs non-compliance with the FCRA. Moreover, simply responding to a consumer inquiry does not FULLY comply with the regulations stated in section 607, 609 or 610 of the FCRA. In fact, Equifax has failed to provide the requested information on two separate occasions, which specifically asked their organization to clearly and accurately disclose to XXXX XXXX XXXX the identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report. Therefore, as a matter of law and fact these items should be deleted immediately.
Additionally, I contacted Equifax via certified correspondence requesting that they remove unauthorized inquires on my credit file. Furthermore, I made a feeble attempt to contact the creditors before contacting Equifax.
As stated in my XX/XX/XXXX letter to Equifax, the creditor has not been able to provide ANY PROOF that I have initiated the inquiries, by written or verbal communication and has failed to provide permissible purpose. As such, none of these inquiries are based on a : 1. Response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
2. written instructions of the consumer to whom it relates.
3. credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 4. Employment purpose 5. Underwriting of insurance involving the consumer 6. Or in general a requirement of ANY PART OF LAW contained in the FCRA or state statute.
It is quite apparent that Equifax has not fully investigated either one of my claims as required utilizing Section 604 of the FCRA, Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ). Equifax has simply stated that I must contact each creditor, which I have, but please be reminded that it is Equifaxs duty to fully substantiate the information they are reporting on my credit file.
Once again, I am asking Equifax to kindly DELETE these inquiries from my credit report IMMEDIATELY, as there is absolutely NO EVIDENCE of my authorization, nor permissible purpose.
Moreover, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
It is my request that the CFPB remind Equifax that under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.
This correspondence to the regulatory body that oversees this organization FURTHER represents the demand to uphold Equifaxs legal responsibility to provide Valid Proof of Verifications and Completeness of records for the above inquiries you have on my consumer credit profile of the items listed above. Moreover, simply utilizing XXXX shall not be sufficient, per fact and law.
MEMORANDUM OF POINTS & AUTHORITY : FAIR CREDIT REPORTING ACT 604, 609 & 611 FAIR AND ACCURATE CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU STATE OF MARYLAND CONSUMER CREDIT REPORTING AGENCIES ACT The following inquiries are at issue : 1. XXXX XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX, XX/XX/XXXX 5. XXXX XXXX, XX/XX/XXXX 6. XXXX XXXX XXXX, XX/XX/XXXX 7. XXXX XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX, XX/XX/XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX XXXX XXXX, XX/XX/XXXX 11. XXXX XXXX XXXX, XX/XX/XXXX 12. XXXX XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX, XX/XX/XXXX 15. XXXX XXXX, XX/XX/XXXX 16. XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX, XX/XX/XXXX Regards, XXXX XXXX XXXX
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01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Equifax and XXXX XXXX XXXX continue to violate my consumer rights. This account has not been verified under FCRA and FDCPA. The account 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
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02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXt Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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01/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Dear Sir or Madam : In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/1997, reporting periods only run 7 or 10 years depending on the type of information.
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove outdated items and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter.
Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
This letter is to inform you that I still dispute the listed debts. After receiving your response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine.
In my opinion, the companies listed have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt.
I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.
This letter also serves as a formal request to remove unauthorized inquiries from my credit report. I've enclosed a copy of the credit report that your organization provided me on. I've listed the unauthorized inquiries below and also circled them in red on the enclosed report Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.
In accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I respectfully request that you provide me with the following information : the amount of the debt ; the name of the creditor to whom the debt is owed ; Provide a verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; You can not add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also, be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
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08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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On my Exuifax credit report there are 2 collection accounts with NO NAME OR CONTACT ADDRESS. I have sent letters to Equifax since XXXX and the letters come back as my account.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have disputed an XXXX account with Equifax on dozens of occasions regarding false/misleading/inaccurate information for the account/tradeline. Each time Equifax allegedly conducts a ( re ) investigation and allegedly verify and update the information for the account/tradeline. However, the information never chages and continues to show inchoate information. I have filed billing errors over the past two ( 2 ) years and disputed the issues with the account/tradeline directly with XXXX and its collections agents. XXXX never conducted billing error investigations and charged-off the account XXXX XX/XX/XXXX. Of note is that the second collections agent returned the alleged debt in early XX/XX/XXXX ( after charge-off ), with an effective date in XX/XX/XXXX ( bef. charge-off ). XXXX provided it's most recent response on or around XXXX XX/XX/XXXX ( CFPB complaint XXXX ), supplying a table of how it is reporting the information for the account/tradeline to the CRAs. The table clearly shows XXXX billing error investigations were conducted prior to charge-off, yet shows a ninety ( XXXX ) day difference in payment history reporting from XX/XX/XXXX to XX/XX/XXXX, taking the account for allegedly thirty ( XXXX ) days past-due to one-hundred twenty ( XXXX ) days past due -- enough to charge-off the account under XXXX policy. Yet, that same table allegedly reports " paid as agreed '' ( without a C/O annotation ) for the months XX/XX/XXXX through XX/XX/XXXX, and then reports past-due for months XX/XX/XXXX through XX/XX/XXXX, advancing the delinquency status by XXXX days at the end of every billing cycle. XXXX then brings the account current for XX/XX/XXXX, but then begins reporting advancing delinquencies every thirty ( XXXX ) days at the end of each billing cycle for months XX/XX/XXXX through present, with the maximum delinquency being one-hundred eighty ( XXXX ) days past-due for the last six ( XXXX ) months. The account was charged-off XXXX XX/XX/XXXX. XXXX has varied its explanation as to why the accont has not been reported as charged-off. XXXX claims the reason no charge-off status is being reported to date ( nearly two years after alleged charge-off ) was because of enrollment in a financial relief program : " It is important to know, this charge off status was never reported to the credit bureaus due to the accounts status as participating in a financial relief plan, '' ( see XXXX XX/XX/XXXX XXXX response ). However, a XXXX XX/XX/XXXX response to CFPB complaint { XXXX and XXXX } says " Please know, we were unable locate any XXXX relief request from you, '' ( see XXXX XX/XX/XXXX response ). In contrast, XXXX XXXX XX/XX/XXXX response to CFPB complaint XXXX provides yet another explanation claiming the " balance was suspended for the periods '' post charge-off because I allegedly " advised '' I was not receiving statements. Yet, their XXXX XX/XX/XXXX response to CFPB complaint XXXX makes clear " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' Now, whereas the XXXX XX/XX/XXXX response to CFPB complaint XXXX alleges " There was no reporting submitted for XX/XX/XXXX through XX/XX/XXXX, this differs from your correspondence which claims your account was reporting as 'Paid as Agreed ' until XX/XX/XXXX, '' the XXXX XX/XX/XXXX response to CFPB complaint XXXX claims, " You advised that statements had not been received, therefore the account balance was suspended for those months and was reported as satisfactory. However, we didnt receive the required payments, therefore the account was updated with the credit reporting agencies accordingly. '' Quite obviously, Not reporting ( no data ) for months is NOT the same as reporting an account satisfactorily for those same months. What's glaring is that the XXXX XX/XX/XXXX response claims derogatory reporting began because payments were not received AFTER XXXX brought the account current. Yet, XXXX made quite clear they were no longer sending me statements in their XXXX XX/XX/XXXX response to CFPB complaint CFPB XXXX. In fact, XXXX acknowledges it stopped sending statements in XX/XX/XXXX, " We have enclosed your XX/XX/XXXX statement, which was the final statement sent to you, '' ( see XXXX response XXXX XX/XX/XXXX ). It is therefore impossible for me to be aware of what the monthly payment obligation ( payments ) should/would be due because no notice was sent regarding the fractional portion of the balance that would be due. Of note this that if there is a monthly payment obligation, TILA/Regulation Z requires that I be sent statements and that XXXX sends mails those statements such that I would receive them with a minimum of twenty-one ( XXXX ) days before the due date. Finally, despite no notification to the XXXX regarding the CO status UNTIL on or around XX/XX/XXXX, XXXX insists the date of charge-off, XXXX XX/XX/XXXX, has not changed. Yet, XXXX has refused to report the charge-off and corresponding first date of delinquency in accordance with that charge-off, instead providing a slew of haphazard and contradictory explanations for the erroneous supply of information to the CRAs. At present, the first date of delinquency being furnished to the CRAs is XX/XX/XXXX, which corresponds to a month during which XXXX alleges the account was paid as agreed. Any cursory examination of the table XXXX supplied in the XXXX XX/XX/XXXX response would indicate the information they are supplying to the CRAs is false/misleading/inaccurate. Taken in conjunction with the sum of the contradictory responses XXXX has provided over the past XXXX ( XXXX ) years including but not limited to, failures to provide accurate and timely statements, failures to provide accurate information to manage accounts, failures to conduct billing error investigations, failures to accurately supply information to the CRAs for the account/tradeline, would give any reasonable individual reason to believe XXXX is engaging in unfair, unlawful, and abusive acts that seriously harm consumers. In my circumstance I have been denied stable housing because XXXX has supplied this defamatory information, and because neither XXXX nor Equifax have conducted reasonable re ( investigations ). The entire account/tradeline after XXXX XX/XX/XXXX is rife with errors and is patently unverifiable -- XXXX itself can not provide a consistent explanation for the data it is furnishing for the account/tradeline. It is all but clear the account/tradeline is irreconcilable and does not meet maximum possible accuracy under XXXX U.S. Code 1681e. Therefore, aside from removing the XXXX accout/tradeline from my consumer files, any and all derogatory information for the account/tradeline from XX/XX/XXXX through present needs to be removed. Thereafter, XXXX needs to be blocked from furnishing additional information for the account/tradeline and blocked from inserting any new data for a duplicate account/tradeline.
|
08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account Number:XXXX This is not mine. 3.The following account is not mine XXXX Account NumberXXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the XXXXIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXX Account Number:XXXX My parent has the same name as me. 25.Validate Account XXXX Account Number:XXXX Please supply information on how you have verified this item. 26.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXX Account NumberXXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account NumberXXXX Please Update all payment, all pay was made on time.
|
05/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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Upon checking my consumer credit reports on XX/XX/2020, I discovered that my XXXX XXXX Account was marked with a 30-day late payment on all major credit bureaus for the month of XX/XX/2020. I made a payment on the 30th day ( XX/XX/2020 ) and was subsequently reported for a 30-day late payment. I immediately contacted XXXX to speak with their representatives on the matter and was told I had to write a letter to their credit dispute department. And on the same phone call, although my account was then current for XX/XX/2020, I also placed my account in a 2-month deferment to avoid any further impacts to my credit during COVID-19.
I disputed the 30-day late information in a letter written and mailed directly to the Data Furnisher ( XXXX XXXX XXXX ) on XX/XX/2020 to address my concerns. In my letter, I explained to XXXX that their consumer website and mobile app were both down on the evening of XX/XX/2020 which made it impossible for me to conduct an online or mobile payment. Therefore I was forced to pay the following day XX/XX/2020 which made the account exactly 30 days late. I also wrote that I solely rely on the online systems to make payments and dont not feel comfortable making automated phone payments because in most cases they involve a service fee. In addition, I attempted to reach a live customer service representative over the phone on the evening of XX/XX/2020 however, I called at approximately XXXX PST ( 1 hour ) after the offices had closed for the evening ( XXXX EST ).
Furthermore, I expressed a desire for XXXX to address my concern by acknowledging the website was down and to accommodate a dismissal of the 30-day late reporting.
Meanwhile, upon checking my credit again on XX/XX/2020, I discovered that my XXXX account was notated with the AW - Natural or Declared Disaster Code with all major credit bureaus as a result of COVID-19. Upon the code being added, the negative information on my account was removed and my credit scores improved by 45 points. I immediately called XXXX back to ask what the code meant and how it would impact my credit because I was confused by what was happening. I was told by XXXX customer service that my account would not be impacted and it was a notation only because I had deferred my account payments.
At this point I thought my dispute had been resolved and everything was fine, meanwhile I did not know my rights were being violated.
Upon XXXX writing me back on XXXX, XXXX 2020, in response to my credit dispute letter, XXXX explained that they understood I was having difficulty with their website ( acknowledgement that it could have been down ) but advised I should have utilized another form of payment such as their automated phone system to complete the payment.
They also wrote that I did not supply sufficient justification to change how they are obligated to report my account the credit agencies.
Meanwhile, my credit score dropped 45 points and my XXXX account reverted back to a negative status around XXXX, XXXX, 2020 leaving me even more confused as to what was going on.
At this point I managed to do a significant amount of research on my consumer protection rights and realized that my rights had been violated.
And according to the [ Consumer Data Industry Association Credit Reporting Resource Guide FAQ 58 ], reporting on an account affected by a Natural or Declared Disaster should not have any record of delinquency or negative information reported during the period of which a Natural or Declared Disaster exists. In this case, COVID-19 has a material timeline which includes XX/XX/2020, and ends on the later of 120 days after XX/XX/2020, or 120 days after the national emergency terminates as defined by the CARES Act.
Furthermore, the CDIA indicates, if a trade line has a natural disaster code, any delinquencies during or near the time period that the code is in place should be scrubbed, i.e. replaced with the D code for no information. The CDIA Guidelines clearly state that reporting can not proceed in a business as usual manner with derogatory information being reported despite the natural disaster code. Instead, the Data Furnisher should either report the account as current or no information.
For the record, my dispute falls in direct correlation to COVID-19 along with the AW coding, and this information should be accurately reflected in my account documentation thus removing the 30-day late for XX/XX/2020.
To prevent such harm, the CARES Act requires furnishers to report a credit obligation as current if the obligation was current prior to the grant of a CARES Act accommodation. In this case my account was current prior to XXXX but I still have negative information being reported ( XXXX ) although that falls within the CARES Act accommodation period ( XX/XX/2020, and ends on the later of 120 days after XX/XX/2020, or 120 days after the national emergency terminates ).
And the Credit Bureaus initially changed my account to effectively support the proper reporting guidelines mentioned above on XX/XX/2020 and then reverted back to the negative reporting in the same month. Very strange.
At that point I contacted Equifax and they could not explain what was taking place on the account told me to contact XXXX who furnishes the notations on my account.
Reporting negative information with a disaster code doesnt work because that negative information is still in the system, and per the guidelines that have been established by both the CDIA as well as the CARES Act, this is a direct violation of my rights.
The CARES Act covers a wide range of issues, and this rebuttal focuses on Section 4021, Credit Protection During COVID-19. This section amends Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), which generally prohibits a party from furnishing information to a consumer reporting agency that the furnisher knows or should know is inaccurate.
The Act defines an accommodation as an agreement to defer one or more payments, make partial payments, forbear delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer affected by COVID-19 during the covered period, which again began XX/XX/2020, and ends on the later of 120 days after XX/XX/2020, or 120 days after the national emergency terminates.
Therefore, it is my expectation that with this new substantiation of facts and detailed information, XXXX XXXX XXXX will reverse the negative 30-day late reporting for XX/XX/2020 on my account Every creditor that furnishes information to a consumer reporting agency must understand the new requirements and scope of the CARES Act. Creditors should carefully review their account servicing and credit reporting policies, systems, and training to ensure they can furnish accurate information as required by the CARES Act about consumers protected by accommodation plans made during the covered period.
XXXX : XXXX
|
07/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
XXXX XXXX {$1000.00} Balance updated XX/XX/XXXX Exceptional payment history Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 19 % Balance on XX/XX/XXXX Loan Amount {$1000.00} {$1300.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$1300.00} Monthly payment {$13.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$2300.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 15 % Balance on XX/XX/XXXX Loan Amount {$2300.00} {$2700.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$2700.00} Monthly payment {$33.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 62 % Balance on XX/XX/XXXX Loan Amount {$1300.00} {$3500.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$3500.00} Monthly payment {$18.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$2000.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 21 % Balance on XX/XX/XXXX Loan Amount {$2000.00} {$2600.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$2600.00} Monthly payment {$26.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$2900.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 17 % Balance on XX/XX/XXXX Loan Amount {$2900.00} {$3500.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$3500.00} Monthly payment {$37.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$2700.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 33 % Balance on XX/XX/XXXX Loan Amount {$2700.00} {$4100.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$4100.00} Monthly payment {$40.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$5100.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 5 % Balance on XX/XX/XXXX Loan Amount {$5100.00} {$5500.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$5500.00} Monthly payment {$73.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$5300.00} Balance updated XX/XX/XXXX Exceptional payment history
|
11/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
the information and the furnisher could not provide sufficient proof to prove their reporting.
1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account Number:XXXX This is not mine.
3.The following account is not mine XXXX Account NumberXXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time.
5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
6.Validate Account XXXX Account Number : Please investigate and delete from my credit report.
7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXX Account Number : Please remove it from my credit report.
9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report.
10.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreeXXXX 12.Validate Account XXXX XXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report.
17.Validate Account XXXX Account Number : Please supply information on how you have verified this item.
18.Validate Account XXXX XXXXXXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXXXXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate AccounXXXX XXXX XXXX Account NumberXXXX My parent has the same name as me.
25.Validate Account XXXX Account Number:XXXX Please supply information on how you have verified this item.
26.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXX Account Number:XXXX Please Update all payment, all pay was made on time.
28.The following account is not mine XXXX Account NumberXXXX Please Update all payment, all pay was made on time.
|
07/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
This entire problem was caused by theft of my identity. I've never done business with XXXX XXXX, never been inside their place of business, and until this appeared on my credit report, never visited their website. XXXXXXXX XXXX behavior is not understandable to me, and I believe it to be either willfully negligent or an employee is somehow participating or benefiting from fraudulent accounts opened using stolen identities. A XXXX and XXXX search for XXXXXXXX XXXX and ID theft makes it seem like this is not a unique occurrence, and their refusal to communicate with victims of ID theft is their standard method of operation. For reference, I've had a near perfect credit rating for well over 30 years.
XX/XX/XXXX : XXXX credit monitoring service reported new activity on my credit report. This reveled two recently opened lines of credit ( ID theft ) with XXXX XXXX ( XX/XX/XXXX + XXXX for {$910.00} USD, and easily resolved with a single phone call that day ), and XXXX ( XX/XX/XXXX for {$5700.00} or XXXX USD ). XXXX 's was notified by both myself, and XXXX via phone about the ID theft + fraudulent account opening on XX/XX/XXXX. This was a fast response ( 14 days ) that XXXXXXXX XXXX should have been using that time to check surveillance cameras in-store ( if that's where it happened ), and reaching out to me to get more information for their investigation / police report on their end. None of that happened.
On XX/XX/XXXX, XXXX, and XXXX I attempted to reach the XXXXXXXX XXXX fraud department line ( XXXX XXXX ) and left messages for a callback request. I also attempted to speak with XXXXXXXX XXXX customer service line, but the hold time was more than 1 hour. I spoke repeatedly with the billing department, whom was unable to provide any information about how the credit was granted, and if the purchases were made online/in person. All requests for information were referred to the fraud department number or two other completely non-functional phone numbers. Even the other XXXXXXXX XXXX departments were unable to find a working phone number for the fraud department. My understanding is that this type of information must be provided to assist with filing a police report and to help prevent further instances of identify theft by the same offender. It's bizarre to me that XXXXXXXX XXXX staff has no idea how to contact their fraud department, I was even told that no mailing address or other mechanisms for contact were possible. After 6 different pone calls, I was finally able to get someone to admit that yes, they can make a note on my account that I'm reporting a victim of ID theft, and I should receive paperwork within 30 days.
On XX/XX/XXXX, I was called by a XXXXXXXX XXXX collection department. Prior to my conversation with the billing department, XXXXXXXX XXXX didn't have my telephone number ( the loan application had my valid name, SSN, and current home address. I don't believe they had a valid phone number, the email address was from an old employer from 20 years ago, and is no longer in business. So now, the collection department was able to contact me. I instructed them that they were not allowed to ever all my cell phone again for collection activities, and insisted that they remove my cell phone number from this fraudulent account. They also said they would put a note about the ID theft on my account. The collection agent was polite, and I haven't received any further phone communications from XXXXXXXX XXXX about the account. I did get the collection agent to tell me the purchases include a big screen TV and a soundbar. I continue to receive notices via postal mail every 2 weeks that I haven't made my first payment. It's now XX/XX/XXXX.
XXXXXXXX XXXX has sent me a generic form via mail requesting my assistance with the ID theft report. It's a six page form, and wants multiple additional forms of identity information, to be signed in person by a police officer or notary. I tried many more times to request more information from XXXXXXXX XXXX fraud department about this form, I've never had a single returned phone call. As this was in the early days of the pandemic, my police department was closed to the public, and it was an unnecessary health risk to obtain a witness signature to for paperwork to solve a problem that absolutely was not my responsibility or fault.
In lieu of XXXXXXXX XXXX specific requested document form, I instead have provided the FTC 's identify theft report which contains the same information in a re-usable form along with proof of identity documents. This was sent via postal mail on XXXX. It also included details about the police report filed with my local police department ( XXXX, TX PD ). The FTC form contains reminders about the the law concerning falsely reporting bad credit activity, that the falsely reported credit entries must be removed immediately, and that the accounts must be closed.
XX/XX/XXXX & XX/XX/XXXX. I realized that a credit-insurance for the fraudulent XXXXXXXX XXXX account was also purchased ( XXXXXXXX XXXX provided a copy of the policy along with the affidavit form ). XXXX ( the underwriter ) has no system to close this fraudulent policy in my name. I spoke with 5 employees at XXXX, they denied having a fraud department or anyone that is responsible for addressing reports of fraud. I was told I would receive a call back in 2 weeks from a " manager '', that never happened ( now XX/XX/XXXX ). I get the impression that they only take direction from XXXXXXXX XXXX concerning the policy and that fraud isn't something they are capable of addressing.
Week of XX/XX/XXXX. I received a duplicate copy of the affidavit form from XXXXXXXX XXXX via certified mail. There is no specific information in the mail, and no reply or confirmation of the FTC ID theft report. XXXXXXXX XXXX has now reported the past-due fraudulent account to XXXX, Equifax, and XXXX. The XXXX item has been disputed, and XXXXXXXX XXXX has replied on XX/XX/XXXX that the claim of ID theft is false, and that the account is legitimate.
A final thought. Many of XXXX 's customers probably have poor or insufficient credit ( based upon their heavy TV advertising of easy credit for appliance purchases XXXX People struggling to pay their bills each month certainly can't afford a lawyer to defend themselves from a corporation that seemingly doesn't care how they conduct their billing operations. There are hundreds of complaints ( top XXXX search results ) about unfair billing practices when I tried to research XXXX 's and victims of ID theft ( # XXXX BBB result was an identical ID theft experience ). When companies behave this way, it increases their profits through unfair fees and interest penalties.
If XXXX 's is willing to treat a clear case of ID theft such as mine as unworthy of fixing, and falsely reporting information to the credit bureaus, just XXXX how they treat their actual customers.
|
07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account Number:XXXXXXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account Number:XXXX This is not mine. 3.The following account is not mine XXXX Account Number:XXXX 4.Validate Account XXXXXXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed XXXX2.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXX Account Number:XXXX My parent has the same name as me. 25.Validate Account XXXX Account Number:XXXX Please supply information on how you have verified this item. 26.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXX Account Number:XXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account Number:XXXX Please Update all payment, all pay was made on time.
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05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XX/XX/2023 Credit Bureaus : XXXX Equifax XXXX Subject : Violation of Consumer Rights- Credit Inquiries Dear Credit Bureaus, I am writing to bring to your attention a matter concerning the violation of my consumer rights related to credit inquiries made on my behalf. As a consumer protected under the relevant laws and regulations, I believe that my rights have been infringed upon based on the following credit inquiries : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I believe that these credit inquiries have violated my consumer rights as outlined under the applicable consumer protection laws, including but not limited to : 1. Defamation of Character 2. Negligent Infliction of Emotional Distress 3. Violation of 15 U.S.C. 1681 Section 602A - Right to Privacy 4. Violation of 15 U.S.C. 1681 Section 604A ( 2 ) - Unauthorized Furnishing of Account Information 5. Violation of 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance Furthermore, it has come to my attention that the credit inquiries may be indicative of potential identity theft and fraud. I would like to emphasize that I have not authorized these credit inquiries nor have I engaged in any transactions or agreements with the entities listed above. Therefore, I strongly suspect that my personal information has been misused without my consent, which is a grave concern.
I would like to remind you that according to 15 U.S.C. 16811c 2 - Block of Information Resulting from Identity Theft, a police report is not a lawful requirement for the identity theft block and removal process. Additionally, I do not possess the identity of the person responsible for the identity theft, as it is not a requirement for submitting the necessary documentation.
In light of these violations and concerns, I kindly request that you promptly investigate the credit inquiries made by the aforementioned entities, take appropriate action to rectify any inaccuracies or unauthorized activities, and provide me with a written explanation of the situation. Furthermore, I expect full compliance with the provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws to ensure the protection of my rights and privacy.
If necessary, I am prepared to take legal action to safeguard my consumer rights and seek appropriate remedies. However, I believe that resolving this matter amicably and in a timely manner would be in the best interest of all parties involved.
Please acknowledge receipt of this letter within [ reasonable timeframe, e.g., 10 business days ] and inform me of the steps you will be taking to address the violations outlined above. I anticipate your cooperation and prompt resolution of this matter.
Thank you for your attention to this urgent matter. I look forward to your prompt response.
Yours sincerely, XXXX XXXX Attached FTC Report Regarding the question of why a police report isn't needed or required for a Federal Trade Commission ( FTC ) identity theft report or investigation, it is essential to consider the provisions of consumer law and the reporting process established by the FTC.
Consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ), aim to safeguard the rights and interests of individuals affected by identity theft. These laws recognize that requiring a police report for every instance of identity theft may pose practical challenges and create unnecessary burdens for victims. As a result, alternative reporting mechanisms have been established to ensure that victims can report identity theft incidents without the need for a police report.
The FTC provides an accessible and streamlined reporting process through its website and helpline. This mechanism allows individuals to report incidents of identity theft directly to the FTC, providing them with the necessary information and documentation to initiate an investigation. The FTC acts as a central point for collecting and analyzing identity theft reports, which can aid in identifying trends, patterns, and larger-scale identity theft operations.
The reasons why a police report may not be required or necessary for an FTC identity theft report are as follows : 1. Variations in Local Requirements : Jurisdictions may have different requirements for filing a police report in cases of identity theft. Recognizing this discrepancy, the FTC provides an inclusive reporting process that does not solely rely on a police report, ensuring that victims from various jurisdictions can report incidents without hindrance.
2. Limited Law Enforcement Resources : Law enforcement agencies have limited resources and prioritize cases based on severity and available personnel. Individual cases of identity theft with relatively low financial losses may not receive the same level of attention as more significant crimes. The FTC 's reporting system enables victims to report incidents directly to the FTC, ensuring that their cases are documented and investigated, regardless of the prioritization of local law enforcement agencies.
3. Streamlined Reporting and Investigation Process : The FTC 's reporting process is designed to be accessible and straightforward, allowing victims to provide the necessary information directly to the agency. This streamlined approach enables the FTC to collect and analyze data efficiently, investigate patterns and trends, and coordinate with other law enforcement agencies if necessary.
While a police report may not be required for filing an FTC identity theft report, it is important to recognize that it can still serve as valuable documentation in specific circumstances. For instance, creditors or financial institutions may request a police report as part of their internal investigation process or when resolving fraudulent transactions or accounts. In such cases, victims may choose to file a police report to bolster their claims and support their defense.
It is advisable for individuals who believe they are victims of identity theft to review the guidelines and requirements provided by the FTC, consult consumer protection attorneys, or seek legal advice to understand the specific procedures and documentation needed for their particular situation. By familiarizing themselves with the relevant consumer protection laws and reporting processes, individuals can assert their rights and protect their interests effectively.
|
08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Hello To Whoever, Concern, due to being a victim of identity theft, and a DATA BRENCH I checked my credit score, and found multiple inaccuracies listed on my credit report.
Ive constantly been disputing the inaccuracies on my credit report since XX/XX/XXXX.
A credit card was opened by XXXX XXXX using my information on XX/XX/XXXX not one payment was made or received on the XXXX XXXX account. I contacted XXXX XXXX on XX/XX/XXXX explaining the situation begging for the account to be removed/ and, or verified due to identity theft, and also no payment being made on this account.
XXXX XXXX disregarded the information I provided, by making a decision to list the account as a charge off on XX/XX/XXXX. The company. Following that I Than decided to look access XXXX XXXX PRIVACY LAWS IN WHICH DID NOT MENTION SHARING MY INFORMATION WITH EQUIFAX.
FACTS WHAT DOES XXXX XXXX DO WITH YOUR PERSONAL INFORMATION?
XXXX Rev. XX/XX/XXXX Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include : n Social Security number and income n Credit history and credit scores n Account balances and transaction history When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information ; the reasons XXXX XXXX chooses to share ; and whether you can limit this sharing.
Reasons we can share your personal information Does XXXX XXXX share?
Can you limit this sharing?
For our everyday business purposes such as to process your transactions, maintain your account ( XXXX ), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes to offer our products and services to you No We dont share For joint marketing with other financial companies For nonaffiliates to market to you No We dont share No We dont share For our affiliates everyday business purposes information about your transactions and experiences No We dont share For our affiliates everyday business purposes information about your creditworthiness No We dont share Questions? Call XXXX or go to XXXX Page 2 What we do How does XXXX XXXX protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does XXXX XXXX collect my personal information?
We collect your personal information, for example, when you n Apply for a loan or use your credit card n Give us your income or give us your contact information n Pay us by check We also collect personal information from others, such as credit bureaus, affiliates, or other companies.
Why cant I limit all sharing?
Federal law gives you the right to limit only n sharing for affiliates everyday business purposesinformation about your creditworthiness n affiliates from using your information to market to you n sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
n XXXX XXXX does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
n XXXX XXXX does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
n XXXX XXXX doesnt jointly market.
Other important information Special Notice for Vermont Residents : The information sharing practices described above are in accordance with federal law. Vermont law places additional limits on sharing information about Vermont residents so long as they remain residents of Vermont. In accordance with Vermont law, XXXX XXXX will not share information we collect about Vermont residents to companies outside of XXXX XXXX except : ( XXXX ) As permitted by law ; ( XXXX ) To companies that perform marketing or other services on our behalf ; ( XXXX ) Name, contact and transaction and experience information ( such as your account balance and payment history ) to other financial institutions with which we have joint marketing agreements ; or ( XXXX ) With the authorization or consent of the Vermont resident. XXXX XXXX also will not share non-transactional information about Vermont residents received from others within the XXXX XXXX family of companies except with the authorization or consent of the Vermont resident.
Special Notice for California Residents : We only disclose your Personal Information with our affiliates and nonaffiliated third parties in a manner that is permitted under the California Financial Information Privacy Act ( CFIPA ) and federal law. In general, CFIPA requires us ( XXXX ) to provide you with notice and the right to tell us not to disclose your Personal Information before we disclose such information to our affiliates or other financial institutions with which we have joint marketing agreements, and ( XXXX ) to seek your express consent before we disclose your Personal Information to nonaffiliated third parties for marketing purposes. This means that unless we provide you with notice and the opportunity to tell us not to share your Personal Information, or seek your express consent to do so, we will not share your Personal Information with other financial service providers and non-financial parties except for the purpose of fulfilling your request for credit, as you may otherwise direct us to do so, or as otherwise permitted under CFIPA and federal law. Regarding Third Parties with Whom Personal Information is Disclosed : XXXX discloses personal information to the following third parties : ( XXXX ) Service Providers : to service or administer your XXXX account. Generally, you may not opt out of this category of disclosure ; ( XXXX ) Managers of Content on our Website : to take applications and payments via website or mobile applications. Generally, you may not opt out of this category of disclosure ; ( XXXX ) Government Agencies and Regulators : to fulfill requests made by authorized government agencies including XXXX regulators.
|
03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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UPDATE TO COMPLAINT : XXXX : Equifax closed complaint, stating they need more time for investigation. This is a violation and misuse of the CFPB. Your thirty ( 30 ) day window has expired and I have yet to hear a response from you until as of now. Stop your childish XXXX and stop advertising items that should not be on my credit consumer report. I demand as a consumer, YOU DO NOT CLOSE THIS COMPLAINT TO FIX YOUR ERRORS AND VIOLATIONS. LEAVE THE COMPLAINT OPEN, OR I WILL CONTACT THE PREVIOUS GOVERNOR OF STATE AND CURRENT AS WELL AS FILE WITH THE FTC AND CORRESPONDING GOVERNING BODIES. I AM NOT COMPLYING WITH AN INVESTIGATION INTO THE FURNISHER OF DATA YOU HAD SIXTY-FIVE DAYS TO DO SO AND FAILED PURSUANT TO U.S CODE 15 1681i YOU HAVE TO MODIFY AND DELETE WHAT IS ON MY CONSUMER CREDIT PROFILE. IT IS FEDERAL LAW.
Numerous laws were broken under the Fair Credit Reporting Act ( FCRA ) by your company. I have suffered from advertising inaccurate, incomplete, erroneous, and misleading information that has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXXXXXX XXXX-year-old, maintaining the household through a pandemic with inflation at an all-time high, I do NOT have the time for your XXXX. You are breaking federal law. On XX/XX/XXXX, I mailed out my first correspondence to you putting you on notice of accounts being advertised on my consumer report, I specifically asked for a method of certification, and I did not consent to Metro 2 Compliance or Automated Dispute System or an Automated reinvestigation System. After thirty ( 30 ) days of sending out my first correspondence, I did not hear anything from you, at all, it is my understanding not only is that a federal violation but pursuant to U.S Code 15 1681i, you must promptly DELETE that item of information from the file of the consumer, or MODIFY that item of information, as appropriate, based on the results. In 15 U.S. Code 1681 ( a ) ( 3 ), Congress states, Consumer reporting agencies ( YOU ) have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So vital in fact, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Not only are you breaking federal law, but you are also undermining the efficiency of the banking system. Furthermore, Congress states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers right to privacy.
How is this FAIR, IMPARTIAL, and RESPECTFUL to not only my privacy as a consumer but the grave responsibilities you have assumed as a Credit Reporting Agency. This is a direct violation of 15 U.S. Code 1681. Furthermore, pursuant to 15 U.S. Code 1681b ( f ) ( e ) and 15 U.S. Code 1681b ( a ) ( 2 ), I have NEVER given my written instruction to neither ( You ) nor any of the furnishers. It is my understanding you shall not advertise what is on my consumer credit report if put on notice and made aware that the information is inaccurate by a consumer, it is your moral and legal obligation, I demand you correct all details as stated in my written correspondence. The continued report of this information is a clear violation of federal law, 15 U.S. Code Subchapter III, throughout parts.
15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
During the investigative process, if conducted at all, and following my requests ; what neighbors, friends, or associates as stipulated in 15 U.S. Code 1681a ( e ) ; who did you speak to regarding the false information youre advertising on my consumer report?
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ), you will be liable for your willful non-compliance and damages caused to my livelihood and way of living due to your willful negligence. Ignorance of the law excuses no one. As transcribed in Leviticus 5:17 : " If a person sins and does what is forbidden in any of the LORD 's commands, even though he does not know it, he is guilty and will be held responsible. These laws have been interwoven, throughout the XXXX XXXX and the United States. See XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ). You will be held liable for your actions. Let me remind you, no one appointed the role you currently have it was assumed. According to Congress, you are nothing more than, an elaborate mechanism that performs tasks.
Once again, within the required thirty ( 30 ) days designated by Congress under the Fair Credit Reporting Act ( FCRA ) you failed to respond, and I hereby as a consumer, DEMAND all unverified items be DELETED and MODIFIED respectively.
I am a litigious consumer and I shall not hesitate to take legal action and sue, yes, you heard me correctly. I will sue you for infringement of my right to privacy and advertising false information on my consumer report. Advertising inaccurate, incomplete, erroneous, and misleading information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXXXXXX XXXX-year-old, maintaining the household through a pandemic with inflation at an all-time high, gas prices reaching an all-time high, and being a victim where someone committed aggravated identity theft against my son and fraudulently claimed my son as a dependent for taxes, and filing police reports and FTC reports and meetings with Secretary of State and Attorney General. I do NOT have the time for your XXXX. I will not hesitate to take legal action against you for violation of federal law 15 U.S. Code 1611, 15 U.S. Code 1681n, 15 U.S. Code 1681o among personal damages to my character.
|
01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account NumberXXXX This is not mine. 3.The following account is not mine XXXX Account Number:XXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXXXXXX Account Number:XXXX My parent has the same name as me. 25.Validate Account XXXX Account Number:XXXX Please supply information on how you have verified this item. 26.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXX Account Number:XXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account Number:XXXX Please Update all payment, all pay was made on time.
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11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I have constantly contested the inaccuracies in the following information with Equifax, XXXX and XXXX and unfortunately, the issue remains unresolved to this day.
1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The status is incorrect for the following account XXXX XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
7. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
8. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
9. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. The following account is not mine CCHOLDINGS Account Number : XXXX Please remove this inaccurate information from my credit report.
11. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
12. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
13. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.
14. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
15. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.
1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The status is incorrect for the following account XXXX XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
10. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
11. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
12. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
13. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Please remove this inaccurate information from my credit report.
14. The following account is not mine XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Please remove it from my credit report.
15. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Please remove it from my credit report.
16. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Please remove this inaccurate information from my credit report.
17. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
18. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX 4. The following personal information is incorrect Employers : XXXX XXXX. The status is incorrect for the following account XXXX XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
11. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
12. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
13. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
14. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Please remove this inaccurate information from my credit report.
15. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
16. The following account is not mine XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Please remove it from my credit report.
17. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Please remove it from my credit report.
18. The following account is not mine XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Please remove this inaccurate information from my credit report.
19. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
20. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
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02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Ga XXXX Date of Mailing : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Ga, XXXX Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement per inquiry that is found not validated under 15 U.S. Code 1692g - Validation of debts and under lawful definition of Verification which is A formal declaration made in the presence of an authorized officer, such as a notary public, under oath, or upon the penalty of perjury. To EQUIFAX : You are in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code 1681 - Congressional findings and statement of purpose under the Fair Credit Reporting Act ( FCRA ). ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING. For unlawfully obtaining information alleged to be mine onto my Consumer report on [ date ] without my authorization or A permissible purpose under the FCRA. See 15 U.S.C 1681b - Permissible purposes of consumer reports. ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Specifically, the FCRA provides A person shall not use or obtain a consumer report for any purpose Unless- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by by a prospective user of the report Through a general or specific certification. I have not initiated any transaction with [ Any of the furnished companies/entities on my consumer report ]. Further, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with [ Any of the furnished companies/entities on my consumer report ] For review or collection. Furthermore, under the FCRA. Any person who knowingly and willfully obtains information on a consumer report Without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}. ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees. 15 U.S.C 1681m ( a ). Also Any laws under the FCRA that Equifax fails to follow is a violation and can be compensated for according to 15 U.S Code 1692k Civil Liability. According to my consumer report from XXXX, I find several violations on my consume report and upon my consumer rights. Because of the findings of these violations within my consumer report from Equifax. I Demand deletion of all furnishings from my consumer report. As they are violations upon my consumers right to privacy as referenced to in 15 U.S. Code 1681- Congressional findings and statement of purpose. Also, according to 15 U.S.C 1681b - Permissible purposes of consumer reports. I XXXX XXXX the Consumer never gave Equifax any written instruction to furnish anything on my consumer report, No consent is identity Theft. If XXXX feels that the alleged furnishings are indeed accurate. I request Validation and Verification of all alleged furnishings on my consumer report from XXXX The validation of these furnishings must follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( c ) ADMISSION OF LIABILITY- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. My request for validation and verification of the alleged furnishings from Equifax should not only follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts. But also, under lawful definition of Verification. That definition of Verification is A formal declaration made in the presence of an authorized officer, such as a notary public, under oath, or upon the penalty of perjury. A response from an " office executive '' in an Affidavit of Truth under the penalty of perjury validating and verifying all furnishings on my consumer report from XXXX will suffice. If these alleged furnishings that have been furnished on my consumer report can not be validated and verified in accordance with 15 U.S. Code 1692g - Validation of debts, and in declaration under oath or upon the penalty of perjury in an Affidavit of Truth. Again, I Demand Deletion and Removal of all furnishings from my consumer report as it would be proven that the furnishings are indeed inaccurate and incorrect. Remove All Inquiries, Late Payments, Collections, and All other Derogatory Furnishings on my Consumer Report.
All Inquires to be REMOVED include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For the sake of the judicial economy, I am willing to settle this matter without any admitted liability. I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist furnishing alleged injuries from companies and entities I am assumed to have any dealings with. ( 2 ) pay me {$1000.00} for Every Deleted Furnishing and deliver it to my address above within 14 days of receiving this demand. Please advise that I am prepared to litigate this matter if you do not comply with this demand. Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein. Sincerely, SSN : XXXX Date Of Birth : XX/XX/XXXX
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12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
The question here is who side are you on FTC, Im an American citizen here asking for my life back. Ive been asking for years, from XXXX, Equifax, XXXX XXXX, XXXX XXXX and almost every company is just happening to have a breach, supposedly, I find it a coincedince, being that we are dealing with a covid. A time that is perfect for any criminal or credit borough to get away with making money off my identity. If Im wrong in the end based on stable facts an apology will come ...
It started I believe XXXX seen a lien in mail, I read it and thought to myself huh just another of the million things I have to fix that do not belong to me. Eventually I was on phone for hours and days with all the credit Burroughs early XXXX XXXX tears in my eyes tired because my bank accounts were getting run up, XXXX XXXX, XXXX and more they called and treated me like the criminal and Im the one here that got took for all I had in the bank as I was staying in a hotel, already trying to get by ... yet every day and night my family heard me on phone angry, daily disputing my credit and to no avail the address thats been on file for me 16yrs. No one informed me they had a breach and my personal info was out there, not only out there innacurate, my credit report has another individuals social security number on it, that I have been disputing for years and they have still failed to remove it, it also has innacurate accounts, they also reported from XXXX stated bankruptcy, I do not have, Not only that. Because I filed in the mediation breach settlement. XXXX will not let me access my report, the screen which is always recorded when doing credit issues, displays because condition exists unable to access report, not only that I called over and over to get to them and in the past I always got through to them as I was on the phone for hours on a daily and you can see that if you check the call log history including the past numbers that were removed by a relresentitiv3 to add an updated number, that I told not to remove because I keep my old call reports.. now when I called weeks ago, I already knew what was going on, they have a teleprompter on there phone line and no csr service and Im sure its because they have a new breach I come to realize. and it says I requested a freeze on my credit Report I did not request and a pin. I do not know. They are asking me to mail docs I cant afford to get notarized based on something that is all the above listed credit Burroughs fault. Also trans union has that I have an OFAC on my report for those that dont know that means your a XXXX! Which I. Am not ..Meaning they can harm me, for something I have nothing to do with,, Im a citizen that has and deserves rights ven the company I was working had the wrong doc and it stoped. E getting paid on time cause XXXX wouldnt remove the address and wrong social security number from my record even though I asked for years. They have stopped me from getting employment and my resume is very well extensive. XXXX says wrote me a letter in mail stating Im sorry to inform you, but we have mistakenly mixed your social security number up with another individual. If I write all Ive been through it will be years of writing. So hear goes I opt out of all breach settlements for all credit Burroughs and do not choose to settle. XXXX I dispute every and all on my record, and I demand you tell me all who you sold my personal info too. A full file disclosure. Who soc security number you mixed me up with and I want to know they are still not using my information. XXXX XXXX you have ofac in my notes and you have broken many rights and laws to i the consumer you scrambled my account numbers even though I told you not too.. how will I dispute with scrambled numbers, not only that The OFAC in my notes do not list why and from what reporting agency. I have tried to call treasury. All I am going to say XXXX when FTC reaches out pay the settlement I asked for and prepare to not turn down anymore of anything I apply for remove the number off my credit report, do not ask me to submit my proof for settlement I have my proof, I never lose a receipt or a receptionist name Whom to when I speak. You are the credit borough you have all docs and credit Burroughs hold docs up to 7-10 years, not only that. Records never get tossed. Records are kept on file records for life now. Equifax what you are doing is illegal pay my settlement and stop the fraudster from accessing my personal info to whom you caught a breach from in XXXX. I disputed you also for years and you wont let me access my credit intentionally. Your certificate expired again yes I caught that and saved proof of it a 100xs. You are responsible for protecting sensible data and doing your business .after. You guys have the nerve to send me a letter stating I dont have a ssn or no credit.stop the fraud going on in your departments so that you can stop the breaches even if that means you. Now I want a new name and social since you destroyed a large chunk of my life with bad businessethnics and protection for the consumer. Now you will know its me when I submit my screen recording after I save it 500xs so I do 5 get hacked by any entity doing illegal business. I am in the midst of opening XXXX XXXX and you are taking more of my life from me now it stops now, dont lie, create any fake docs throw out anymore consumers data or target rural folks, elderly and who ever else you thought would be easy to take from. I hope we can do business in the future. Ima put my trust in to you FTC ...
Be for right .... XXXX XXXX point no opening fix my credit issues XXXX, Equifax, XXXX XXXX, that I did not create nor did I ask to have not trust my life and estate with, I was forced to ... Im not getting paid by the hour to research the errors you create. I would like a new soc, and name and i asked to excercise my rights under ccpa, full privacy do not call list and if any entity asks for my credit info they have to have my voice, along with verbal and written and signed all together. I also would like my XXXX yrs full file disclosure this person that has my info may be dangerous. If they have an OFAC. Negligence get my new updated phone numbers and email from the FTC and will leave update, and show proof through this recording I opt out of alll breaches and if you mishandle my information. You fix it, also Equifax your settlement line is reading a manuscript a teleprompter. Hire people that are well knowledge and able to service the consumer. Im leaving my trust in the federal trad3 commission. Signed not last 4 digits of soc ending in XXXX fix it now ... ... my business starting if you affect it you owe triple of whatever I lose cause now its just getting ridiculous dont waste my time with the games, us Americans have families and a life and business to run ... dont try to harass me please just do whats right ...
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11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
I have filed over 10 complaints with the CFPB in reference to Equifax 's improper use of my credit report for gross enrichment. Equifax has harassed me by causing my score to decline without merit. I spoke with an associate from Equifax on XX/XX/XXXX that revealed that my file with Equifax was opened on XX/XX/XXXX. I never had a consumer credit transaction, nor did I apply for credit on XX/XX/XXXX. I have never opened an account with Equifax on this date or any date for this matter. I have never sent a copy of my driver 's license or copy of my social security card nor any proof of mail to verify my identity to open an account with Equifax. This Equifax account was opened without my consent. I never supplied Equifax with my social security number nor gave this company access to my social security account though Equifax has this information. I am a victim of identity theft. The associate I spoke with assured me that Equifax 's behaviors adhered to FCRA regulations in. After careful examination of the FCRA I have found that, 1 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) which states, " the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person furnishing the report.
2 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) which states, " the term consumer report does not include any communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons.
3 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) which states, " the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
4 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( e ) which states, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
5 ) Equifax is in violation of 15 U.S. Code 1681a ( k ) ( B ) ( iv ) ( ll ) which states " the term consumer report does not include an action taken or determination that is adverse to the interests of the consumer. ( a ) Information excluded from consumer reports 6 ) Equifax is in violation of 15 U.S. Code 1681c ( a ) ( 4 ) which states, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
7 ) Equifax is in violation of 15 U.S. Code 1681c ( a ) ( 5 ) which states, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
8 ) Equifax is in violation of 15 U.S. Code 1681g ( a ) ( 1 ) which states, every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer : ALL information in the consumers file at the time of the request. I REQUEST A CONSUMER FILE WHICH IS ALL THE INFORMATION ON A CONSUMER RECORDED AND RETAINED BY A CONSUMER REPORTING AGENCY REGARDLESS OF HOW ITS STORED.I DID NOT CONSUMER REPORT.
9 ) Equifax is in violation of 15 U.S. Code 1681g ( c ) ( 1 ) ( B ) ( iii ) which states the summary of rights to obtain and dispute information and the right of a consumer to dispute information in the FILE of the consumer under section 1681i of this title ; EQUIFAX REFUSES TO GIVE ME A FILE OF ALL INFORMATION.
10 ) Equifax is in violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( B ) which states procedures in case of disputed accuracy. Extension of period to reinvestigate except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
11 ) Equifax is in violation of 15 U.S. Code 1681i ( a ) ( 7 ) which states, a consumer reporting agency shall provide to a consumer a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I HAVE REQUESTED AND STILL AM REQUESTING A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF INFORMATION IN MY FILE.
Equifax is liable per 15 U.S. Code 1681n - Civil liability for willful noncompliance. Any person who willfully fails to comply with any requirement imposed, with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer, such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability the costs of the action together with reasonable attorneys fees as determined by the court.
I HAVE ABUNDANT EVIDENCE OF THESE ABUSIVE PRACTICES OF EQUIFAX. I am being abused, deceived, and coerced into paying alleged debts. These accounts antedate the report by XXXX years and are adversely affecting my livelihood and have caused me severe damages. US DEPT OF EDUXXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Equifax has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated nor verified and has been reporting misleading and false information.
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX - XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, North Carolina XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : XXXXXXXX XXXX XXXX CC : XXXX XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have filed over 10 complaints with the CFPB in reference to Equifax 's improper use of my credit report for gross enrichment. Equifax has harassed me by causing my score to decline without merit. I spoke with an associate from Equifax on XX/XX/XXXX that revealed that my file with Equifax was opened on XX/XX/XXXX. I never had a consumer credit transaction, nor did I apply for credit on XX/XX/XXXX. I have never opened an account with Equifax on this date or any date for this matter. I have never sent a copy of my driver 's license or copy of my social security card nor any proof of mail to verify my identity to open an account with Equifax. This Equifax account was opened without my consent. I never supplied Equifax with my social security number nor gave this company access to my social security account though Equifax has this information. I am a victim of identity theft. The associate I spoke with assured me that Equifax 's behaviors adhered to FCRA regulations in. After careful examination of the FCRA I have found that, 1 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) which states, " the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person furnishing the report.
2 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) which states, " the term consumer report does not include any communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons.
3 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) which states, " the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
4 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( e ) which states, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
5 ) Equifax is in violation of 15 U.S. Code 1681a ( k ) ( B ) ( iv ) ( ll ) which states " the term consumer report does not include an action taken or determination that is adverse to the interests of the consumer. ( a ) Information excluded from consumer reports 6 ) Equifax is in violation of 15 U.S. Code 1681c ( a ) ( 4 ) which states, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
7 ) Equifax is in violation of 15 U.S. Code 1681c ( a ) ( 5 ) which states, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
8 ) Equifax is in violation of 15 U.S. Code 1681g ( a ) ( 1 ) which states, every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer : ALL information in the consumers file at the time of the request. I REQUEST A CONSUMER FILE WHICH IS ALL THE INFORMATION ON A CONSUMER RECORDED AND RETAINED BY A CONSUMER REPORTING AGENCY REGARDLESS OF HOW ITS STORED.I DID NOT CONSUMER REPORT.
9 ) Equifax is in violation of 15 U.S. Code 1681g ( c ) ( 1 ) ( B ) ( iii ) which states the summary of rights to obtain and dispute information and the right of a consumer to dispute information in the FILE of the consumer under section 1681i of this title ; EQUIFAX REFUSES TO GIVE ME A FILE OF ALL INFORMATION.
10 ) Equifax is in violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( B ) which states procedures in case of disputed accuracy. Extension of period to reinvestigate except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
11 ) Equifax is in violation of 15 U.S. Code 1681i ( a ) ( 7 ) which states, a consumer reporting agency shall provide to a consumer a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I HAVE REQUESTED AND STILL AM REQUESTING A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF INFORMATION IN MY FILE.
Equifax is liable per 15 U.S. Code 1681n - Civil liability for willful noncompliance. Any person who willfully fails to comply with any requirement imposed, with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer, such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability the costs of the action together with reasonable attorneys fees as determined by the court.
I HAVE ABUNDANT EVIDENCE OF THESE ABUSIVE PRACTICES OF EQUIFAX. I am being abused, deceived, and coerced into paying alleged debts. These accounts antedate the report by 7+ years and are adversely affecting my livelihood and have caused me severe damages. US DEPT OF EDUXXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Equifax has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated nor verified and has been reporting misleading and false information.
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11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have filed over 10 complaints with the CFPB in reference to Equifax 's improper use of my credit report for gross enrichment. Equifax has harassed me by causing my score to decline without merit. I spoke with an associate from Equifax on XX/XX/XXXX that revealed that my file with Equifax was opened on XX/XX/XXXX. I never had a consumer credit transaction, nor did I apply for credit on XX/XX/XXXX. I have never opened an account with Equifax on this date or any date for this matter. I have never sent a copy of my driver 's license or copy of my social security card nor any proof of mail to verify my identity to open an account with Equifax. This Equifax account was opened without my consent. I never supplied Equifax with my social security number nor gave this company access to my social security account though Equifax has this information. I am a victim of identity theft. The associate I spoke with assured me that Equifax 's behaviors adhered to FCRA regulations in. After careful examination of the FCRA I have found that, 1 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) which states, " the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person furnishing the report.
2 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) which states, " the term consumer report does not include any communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons.
3 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) which states, " the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
4 ) Equifax is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( e ) which states, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
5 ) Equifax is in violation of 15 U.S. Code 1681a ( k ) ( B ) ( iv ) ( ll ) which states " the term consumer report does not include an action taken or determination that is adverse to the interests of the consumer. ( a ) Information excluded from consumer reports 6 ) Equifax is in violation of 15 U.S. Code 1681c ( a ) ( 4 ) which states, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
7 ) Equifax is in violation of 15 U.S. Code 1681c ( a ) ( 5 ) which states, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
8 ) Equifax is in violation of 15 U.S. Code 1681g ( a ) ( 1 ) which states, every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer : ALL information in the consumers file at the time of the request. I REQUEST A CONSUMER FILE WHICH IS ALL THE INFORMATION ON A CONSUMER RECORDED AND RETAINED BY A CONSUMER REPORTING AGENCY REGARDLESS OF HOW ITS STORED.I DID NOT CONSUMER REPORT.
9 ) Equifax is in violation of 15 U.S. Code 1681g ( c ) ( 1 ) ( B ) ( iii ) which states the summary of rights to obtain and dispute information and the right of a consumer to dispute information in the FILE of the consumer under section 1681i of this title ; EQUIFAX REFUSES TO GIVE ME A FILE OF ALL INFORMATION.
10 ) Equifax is in violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( B ) which states procedures in case of disputed accuracy. Extension of period to reinvestigate except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
11 ) Equifax is in violation of 15 U.S. Code 1681i ( a ) ( 7 ) which states, a consumer reporting agency shall provide to a consumer a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I HAVE REQUESTED AND STILL AM REQUESTING A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF INFORMATION IN MY FILE.
Equifax is liable per 15 U.S. Code 1681n - Civil liability for willful noncompliance. Any person who willfully fails to comply with any requirement imposed, with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer, such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability the costs of the action together with reasonable attorneys fees as determined by the court.
I HAVE ABUNDANT EVIDENCE OF THESE ABUSIVE PRACTICES OF EQUIFAX. I am being abused, deceived, and coerced into paying alleged debts. These accounts antedate the report by 7+ years and are adversely affecting my livelihood and have caused me severe damages. US DEPT OF EDUXXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Equifax has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated nor verified and has been reporting misleading and false information.
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03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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UPDATE TO COMPLAINT : XXXX : Equifax closed complaint, stating they need more time for investigation. This is a violation and misuse of the CFPB. Your thirty ( 30 ) day window has expired and I have yet to hear a response from you until as of now. Stop your childish XXXX and stop advertising items that should not be on my credit consumer report. I demand as a consumer, YOU DO NOT CLOSE THIS COMPLAINT TO FIX YOUR ERRORS AND VIOLATIONS. LEAVE THE COMPLAINT OPEN, OR I WILL CONTACT THE PREVIOUS GOVERNOR OF STATE AND CURRENT AS WELL AS FILE WITH THE FTC AND CORRESPONDING GOVERNING BODIES. I AM NOT COMPLYING WITH AN INVESTIGATION INTO THE FURNISHER OF DATA YOU HAD SIXTY-FIVE DAYS TO DO SO AND FAILED PURSUANT TO U.S CODE 15 1681i YOU HAVE TO MODIFY AND DELETE WHAT IS ON MY CONSUMER CREDIT PROFILE. IT IS FEDERAL LAW.
Numerous laws were broken under the Fair Credit Reporting Act ( FCRA ) by your company. I have suffered from advertising inaccurate, incomplete, erroneous, and misleading information that has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXX XXXX, maintaining the household through a pandemic with inflation at an all-time high, I do NOT have the time for your XXXX. You are breaking federal law. On XX/XX/XXXX, I mailed out my first correspondence to you putting you on notice of accounts being advertised on my consumer report, I specifically asked for a method of certification, and I did not consent to Metro 2 Compliance or Automated Dispute System or an Automated reinvestigation System. After thirty ( 30 ) days of sending out my first correspondence, I did not hear anything from you, at all, it is my understanding not only is that a federal violation but pursuant to U.S Code 15 1681i, you must promptly DELETE that item of information from the file of the consumer, or MODIFY that item of information, as appropriate, based on the results. In 15 U.S. Code 1681 ( a ) ( 3 ), Congress states, Consumer reporting agencies ( YOU ) have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So vital in fact, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Not only are you breaking federal law, but you are also undermining the efficiency of the banking system. Furthermore, Congress states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers right to privacy.
How is this FAIR, IMPARTIAL, and RESPECTFUL to not only my privacy as a consumer but the grave responsibilities you have assumed as a Credit Reporting Agency. This is a direct violation of 15 U.S. Code 1681. Furthermore, pursuant to 15 U.S. Code 1681b ( f ) ( e ) and 15 U.S. Code 1681b ( a ) ( 2 ), I have NEVER given my written instruction to neither ( You ) nor any of the furnishers. It is my understanding you shall not advertise what is on my consumer credit report if put on notice and made aware that the information is inaccurate by a consumer, it is your moral and legal obligation, I demand you correct all details as stated in my written correspondence. The continued report of this information is a clear violation of federal law, 15 U.S. Code Subchapter III, throughout parts.
15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
During the investigative process, if conducted at all, and following my requests ; what neighbors, friends, or associates as stipulated in 15 U.S. Code 1681a ( e ) ; who did you speak to regarding the false information youre advertising on my consumer report?
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you will be liable for your willful non-compliance and damages caused to my livelihood and way of living due to your willful negligence. Ignorance of the law excuses no one. As transcribed in Leviticus 5:17 : " If a person sins and does what is forbidden in any of the LORD 's commands, even though he does not know it, he is guilty and will be held responsible. These laws have been interwoven, throughout the XXXX XXXX and the United States. See United States v. XXXX, XXXX XXXX XXXX ( XXXX ). You will be held liable for your actions. Let me remind you, no one appointed the role you currently have it was assumed. According to Congress, you are nothing more than, an elaborate mechanism that performs tasks.
Once again, within the required thirty ( 30 ) days designated by Congress under the Fair Credit Reporting Act ( FCRA ) you failed to respond, and I hereby as a consumer, DEMAND all unverified items be DELETED and MODIFIED respectively.
I am a litigious consumer and I shall not hesitate to take legal action and sue, yes, you heard me correctly. I will sue you for infringement of my right to privacy and advertising false information on my consumer report. Advertising inaccurate, incomplete, erroneous, and misleading information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXX XXXX maintaining the household through a pandemic with inflation at an all-time high, gas prices reaching an all-time high, and being a victim where someone committed aggravated identity theft against my son and fraudulently claimed my son as a dependent for taxes, and filing police reports and FTC reports and meetings with Secretary of State and Attorney General. I do NOT have the time for your XXXX. I will not hesitate to take legal action against you for violation of federal law 15 U.S. Code 1611, 15 U.S. Code 1681n, 15 U.S. Code 1681o among personal damages to my character.
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04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
I found out a few accounts and inquiries which I have never had before and never applied. I am requesting to remove all of them from my credit report because personal information was stolen and used. Enclosed are the police reports, my DL and SSN. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation.
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03/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I found out a few accounts and inquiries which I have never had before and never applied. I am requesting to remove all of them from my credit report because personal information was stolen and used. Enclosed are the police reports, my DL and SSN. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation.
|
05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
This is a not a duplicate complaint and I'm not using any third party for this matter. I know my rights very well. The accounts that are being disputed, do not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that this account was fraudulently opened, and they have known this for several months. Other Credit Bureaus have been cooperative and have removed the account, but Equifax has refused to remove the fraudulent accounts. Therefore, I have come to you to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. Policy states According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX from XX/XX/2015 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address. And I'm excepting from you to remove this account immediately.
|
08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Investigation took more than 30 days
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate and unauthorized information that has been reported on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in enforcing the legal protections that are in place to safeguard consumers like myself.
I have been an active and responsible consumer, consistently striving to maintain a healthy credit history. However, I have recently discovered a series of inaccuracies and unauthorized credit inquiries on my credit report that have had a profoundly negative impact on my financial well-being and overall quality of life.
The violations I have identified are as follows : Inaccurate Credit Reporting ( Late Payments ) : Accounts : XXXX XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX ( XXXX ) : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX ( XXXX ) : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violations : Violation of FCRA Section 623 ( a ) ( 2 ) Reporting Inaccurate Information Unauthorized Credit Inquiries : Inquiries : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX, XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXXXX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX, XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violations : Violation of FCRA XXXX XXXX Permissible Purposes of Reports Inaccurate Personal Information : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This name belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX CA XXXX This address belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX XXXX XXXX This address belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX XXXX This name belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This address belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX CA XXXX XXXX This address belongs to someone else. Delete it from my report immediately.
Violations : Violation of FCRA Section 607 ( a ) Responsibilities of Furnishers of Information I would like to emphasize the emotional toll that these inaccuracies and unauthorized inquiries have taken on my life. For years, I have diligently worked to build a solid financial foundation, only to have it eroded by these unwarranted actions. As a result, I have been denied credit opportunities, faced higher interest rates, and experienced immense stress and frustration. The very prospects that I have worked tirelessly to secure have been stripped away due to circumstances beyond my control.
In light of these violations, I kindly request your intervention to enforce the legal protections granted to consumers under the FCRA. I urge you to investigate the inaccuracies, unauthorized inquiries, and personal information discrepancies on my credit report. Furthermore, I implore you to instruct the respective creditors to remove the unverified accounts and inquiries that have tarnished my credit history without valid cause.
I deeply appreciate your attention to this matter and the critical role the Consumer Financial Protection Bureau plays in safeguarding consumer rights. I am hopeful that your involvement will lead to a resolution that restores the accuracy and integrity of my credit report, thus allowing me to move forward with financial security and peace of mind.
Thank you for your time and consideration. I eagerly await your response.
Sincerely, XXXX XXXX XXXX XXXX
|
05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
This is a not a duplicate complaint and I'm not using any third party for this matter. I know my rights very well. The accounts that are being disputed, do not belong to me. The below is my sworn statement concerning these credit issues. Further, I certify that I am qualified and authorized to file this dispute. I checked my personal credit report, which I acquired from Credit Bureaus on XX/XX/2023 and I noticed an unauthorized credit lines had been made and posted on my report. I'm representing myself by myself and I do not involve any third party for this matter. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that this account was fraudulently opened, and they have known this for several months. Therefore, I have come to you to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. Policy states According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address. And I'm excepting from you to remove this account immediately.
|
04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
PLEASE NOTE TO THE CFPB : I HAVE ATTACHED MY CREDIT REPORT ALL SENSITIVE DATA IS REDACTED. THE ONLY ACCOUNTS LISTED ARE THE ACCOUNTS BEING DISPUTED AND MY NAME ALL OTHER DATA IS REDACTED. EQUIFAX HAS BEEN SENT A COPY OF MY ID AND SS CARD TO VERIFY ID Equifax has violated serval of my rights and is causing irreparable financial, emotional, and mental harm. I have repeatedly disputed the items below and have also asked for method of verifications and proof of process of their method of verifications. To date I have not received any proof that these items are accurate and or mine. I also believe that a multitude of these items are duplicates.
Equifax has violated the following laws : My right to fair and accurate reporting of my personal information.
15 USC 1681a 602 The United States Congress has deemed I have a right to fairness, impartiality, and a respect for the consumers right to privacy. Your firm is violating my rights and operating illegally with my personal and private information.
15 USC 1681b ( a ) ( 2 ) I never provided your company with written directions involving the accounts below. Your company can not furnish or report the accounts below without my expressed permission or instruction.
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) Your Company violated the before mentioned law as it is illegal to knowingly report data that is inaccurate. I have provided your firm proof on several occasions that the below accounts are inaccurate, maybe duplicates and or not mine.
15 USC 1681a ( 2 ) You company can not legally provide data regarding transactions or experiences between the consumer and the person making the report. Nor can this company provide data that includes approvals and extensions of credit legally.
15 USC 6802- Your company may not legally, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information without my consent. Your company also may not legally, disclose nonpublic personal information without disclosure and providing me the opportunity to direct such information to not be disclosed.
Enclosed within this complaint I have also attached my previous grievances that have been illegally ignored. Below are the accounts I am disputing.
1. XXXXXXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. The date open and date closed are different between XXXX and Equifax. The last reported are different between XXXX and Equifax. Last payment dates are different between XXXX and Equifax. Equifax states on my credit report, a re-investigation is in progress however, I have not been sent any documentation since I requested them in XXXX XXXX XXXX. This account may also be a duplicate.
2. XXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. The date open and date closed are different between XXXX and Equifax. The last report is different between XXXX and Equifax. Last payment dates are different between XXXX and Equifax. Equifax states on my credit report, a re-investigation is in progress however, I have not been sent any documentation since I requested them in XXXX XXXX XXXX. This account may also be a duplicate.
3. XXXXXXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. The date open and date closed are different between XXXX and Equifax. The last reported date is different between XXXX and Equifax. Last payment dates are different between XXXX and Equifax. Equifax also state the account has been transferred or sold however they are still reporting this account as paid and on time to date, 4. XXXXXXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. Date open and date closed are different between XXXX and Equifax. Last reported are different between XXXX and Equifax. Last payment date are different between XXXX and Equifax. Equifax states on my credit report, a re-investigation is in progress however, I have not been sent any documentation since I requested them in XXXX XXXX XXXX. This account may also be a duplicate.
5. XXXXXXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. Date open and date closed are different between XXXX and Equifax. Last reported are different between XXXX and Equifax. Last payment date are different between XXXX and Equifax. This account may also be a duplicate. Equifax also state the account has been transferred or sold however they are still reporting this account as paid and on time to date, 6. XXXXXXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. Date open and date closed are different between XXXX and Equifax. Last reported are different between XXXX and Equifax. Last payment date are different between XXXX and Equifax. Equifax states the account has been sold/transferred yet still report this account as open and paid and ok.
7. XXXXXXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. The date open and date closed are different between XXXX and Equifax. The last reported dates are different between XXXX and Equifax. Last payment dates are different between XXXX and Equifax. Equifax states on my credit report, a re-investigation is in progress however, I have not been sent any documentation since I requested them in XXXX XXXX XXXX. This account may also be a duplicate.
8. XXXX XXXX Account Number : XXXX ISSUES : This is not my account. XXXX and Equifax have different account numbers. Equifax is reporting the account as PAID and Current. XXXX is reporting closed and 120 days late. Date open and date closed are different between XXXX and Equifax. Last reported are different between XXXX and Equifax. Last payment date are different between XXXX and Equifax. Equifax states on my credit report, a re-investigation is in progress however, I have not been sent any documentation since I requested them in XXXX XXXX XXXX. This account may also be a duplicate.
|
01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX - XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, North Carolina XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXXXXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
Fair collections and out, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact.
PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate!
By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate.
15 USC 1681s-2 states that you, XXXX XXXX XXXX XXXX, are a furnisher of information to a consumer reporting agency.
YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS publication.
SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt.
My Address is listed below!
15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! I am writing to dispute and seek clarification regarding the sharing of my non-public personal information by your institution, as well as any potential impact on my credit report. I am concerned that these actions may be in violation of both the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ).
Specifically, I have identified two key areas of concern : 1. **GLBA Privacy Notice and Opt-Out** : According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from your institution, nor have I been given the opportunity to opt out of information sharing.
Therefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. Additionally, I would like to be informed if my non-public personal information has been shared with any non-affiliated third parties for marketing purposes, and if so, I am exercising my right to opt out of such sharing.
2. **FCRA Credit Reporting Impact** : As a result of any information sharing or other actions taken by your institution, I am concerned that my credit report may have been affected. Under the FCRA, consumers have the right to accurate and complete credit reporting. I request that you provide me with any information related to changes in my credit report resulting from your institution 's actions.
Additionally, I kindly request that you conduct a thorough investigation into any credit reporting issues that may have arisen due to information sharing or any other actions by your institution. If it is determined that my credit report has been negatively affected without proper cause or notification, I request that you take immediate corrective action and provide me with documentation of any corrections made to my credit report.
I want to emphasize my commitment to ensuring that my rights under both the GLBA and the FCRA are fully protected. I kindly request that your institution promptly investigate these matters and provide me with the necessary documentation and information to address my concerns.
Please respond to this dispute letter within the statutory timeframes specified by both the GLBA and the FCRA. I understand that this investigation may take up to 30 days, and I expect your prompt attention to this matter.
Thank you for your cooperation in resolving this issue promptly. Send written correspondence to address provided above. This is my opt out and cease and desist of all sharing of my personal information. You dont have consent to share my personal information if you do its identity theft. Delete all inaccurate and wrongful shared information asap.
This as already been deleted from XXXX reports for serval errors that you seem to ignore.
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06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I filed disputes with Equifax, XXXX, and XXXX. All 3 Bureaus claimed to have completed a reasonable investigation with the funisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and the 3 Bureaus is STILL continuing to report errors on my credit file, which is causing damage to my credit score. All 3 Credit Bureaus is in violation of the FDCPA. They know for a fact that they are required under the FCRA to properly verify the accuracy of an account listed on my credit report, which they did not do. This is grounds for removal.
Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is also reporting 120 days late. Collection accounts can't report late payments. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is also reporting 120 days late on a collection account. Collection accounts can't report late payments. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is reporting a high balance of {$470.00}, XXXX is reporting {$810.00}, XXXX is reporting {$0.00}. How can the date of last activity and high balance be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is reporting a high balance of {$17000.00}, XXXX and XXXX is reporting {$21000.00}. How can the date of last activity and high balance be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is reporting last payment on XX/XX/XXXX, XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Equifax is reporting account being open, XXXX is reporting account being closed. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXXXXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX and XXXX claim to have verified the account, but many discrepancies were found having inaccurate, incomplete, and or different information from what the other claims to be accurate. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX and XXXX claim to have verified the account, but there are multple inaccuracies. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Attached file showing inaccuracies.
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08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I would like to point out the inaccuracies that are being placed on my report. There are accounts listed that do not line up with reporting from other reporting agencies. Which means this report needs to be reviewed and verified. Also, all inquiries on this report should be removed under 15 USC 1681 Permissible Purposes. Every account listed below has either been Closed or Charged off or even sold to a third-party creditor. All closed/charged off/sold accounts are therefore cancelled and a cancellation of debt ( 1099C ) has been filed for all listed accounts. They are now considered income and should not be listed on my report. Also 15 USC 1692e False or Misleading Representation. In the section listed below are posing to act on behalf of the company when in reality they brought a debt that had already been filed as a cancellation of debt. Which means all accounts Listed under Accounts turned over to a third-party creditor is incorrect when the debt has already been discharged through a cancellation of debt.
There is a record of financial transaction history listed for all Open accounts on my report and their status changed to should be Paid As Agreed 26 CFR 1.1232-1 1.1232-1 Bonds and other evidences of indebtedness ; scope of section.
( a ) In general. Section 1232 applies to any bond, debenture, note, or certificate or other evidence of indebtedness ( referred to in this section and 1.12323 and 1.12323A as an obligation ) which is a capital asset in the hands of the taxpayer, and which is issued by any corporation, or by any government or political subdivision thereof. In general, section 1232 ( a ) ( 1 ) provides that the retirement of an obligation, other than certain obligations issued before XX/XX/XXXX, is considered to be an exchange and, therefore, is usually subject to capital gain or loss treatment. In general, section 1232 ( a ) ( 2 ) ( B ) provides that in the case of a gain realized on the sale or exchange of certain obligations issued at a discount after XX/XX/XXXX, which are either corporate bonds issued on or before XX/XX/XXXX, or government bonds, the amount of gain equal to such discount or, under certain circumstances, the amount of gain equal to a specified portion of such discount, constitutes ordinary income. In the case of certain corporate obligations issued after XX/XX/XXXX, in general, section 1232 ( a ) ( 3 ) provides for the inclusion as interest in gross income of a ratable portion of original issue discount for each taxable year over the life of the obligation, section 1232 ( a ) ( 3 ) ( E ) provides for an increase in basis equal to the original issue discount included in gross income, and section 1232 ( a ) ( 2 ) ( A ) provides that any gain realized on such an obligation held more than 1 year ( 6 months for taxable years beginning before XXXX ; 9 months for taxable years beginning in XXXX ) shall be considered gain from the sale or exchange of a capital asset held more than 1 year ( 6 months for taxable years beginning before XXXX ; 9 months for taxable years beginning in XXXX ). For the requirements for reporting original issue discount on certain obligations issued after XX/XX/XXXX, see section 6049 ( a ) and the regulations thereunder. Section 1232 ( c ) treats as ordinary income a portion of any gain realized upon the disposition of coupon obligations which were acquired after XX/XX/XXXX, and before XX/XX/XXXX, without all coupons maturing more than 12 months after purchase attached, and coupon obligations which were acquired after XX/XX/XXXX, without all coupons maturing after the date of purchase attached.
( b ) Requirement that obligations be capital assets. In order for section 1232 to be applicable, an obligation must be a capital asset in the hands of the taxpayer. See section 1221 and the regulations thereunder. Obligations held by a dealer in securities ( except as provided in section 1236 ) or obligations arising from the sale of inventory or personal services by the holder are not capital assets. However, obligations held by a financial institution, as defined in section 582 ( c ) ( relating to treatment of losses and gains on bonds of certain financial institutions ) for investment and not primarily for sale to customers in the ordinary course of the financial institution 's trade or business, are capital assets. Thus, with respect ot obligations held as capital assets by such a financial institution which are corporate obligations to which section 1232 ( a ) ( 3 ) applies, there is ratable inclusion of original issue discount as interest in gross income under paragraph ( a ) of 1.12323A, and gain on a sale or exchange ( including retirement ) may be subject to ordinary income treatment under section 582 ( c ) and paragraph ( a ) ( 1 ) of 1.12323.
( c ) Face-amount certificates ( 1 ) In general. For purposes of section 1232, this section and 1.12323 and 1.12323A, the term other evidence of indebtedness includes face amount certificates as defined in section 2 ( a ) ( 15 ) and 4 of the Investment Company Act of 1940 ( 15 U.S.C. 80a2 and 80a4 ).
( 2 ) Amounts received in taxable years beginning prior to XX/XX/XXXX. Amounts received in taxable years beginning prior to XX/XX/XXXX under face amount certificates which were issued after XX/XX/XXXX, are subject to the limitation on tax under section 72 ( e ) ( 3 ). See paragraph ( g ) of 1.7211 ( relating to limit on tax attributable to receipt of a lump sum received as an annuity payment ). However, section 72 ( e ) ( 3 ) does not apply to any such amounts received in taxable years beginning after XX/XX/XXXX.
( XXXX ) Certificates issued after XX/XX/XXXX. In the case of a face-amount certificate issued after XX/XX/XXXX ( other than such a certificate issued pursuant to a written commitment which was binding on such date and at all times thereafter ), the provisions of section 1232 ( a ) ( 3 ) ( relating to the ratable inclusion of original issue discount in gross income ) shall apply. See section 12323A ( f ). For treatment of any increase in basis under section 1232 ( a ) ( 3 ) ( A ) as consideration paid for purposes of computing the investment in the contract under section 72, see 1.726 ( c ) ( 4 ).
( d ) Certain deposits in financial institutions. For purposes of section 1232, this section and 1.12323 and 1.12323A, the term other evidence of indebtedness includes certificates of deposit, time deposits, bonus plans, and other deposit arrangements with banks, domestic building and loan associations, and similar financial institutions. For application of section 1232 to such deposits, see paragraph ( e ) of 1.12323A. However, section 1232, this section, and 1.12322 through 1.12324 shall not apply to such deposits made prior to XXXX XXXX XXXX. For treatment of renewable certificates of deposit, see paragraph ( e ) ( 4 ) of 1.12323A.
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05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/1993 RE : Violation of the United States XXXXode Law RE : Violation of the United States Code Law Dear Sir/Madam, I am writing this letter to address the violations of the Fair Credit Reporting Act ( FCRA ) committed by Equifax Information Services LLC XXXX It is evident that your agency is in direct violation of the FCRA by maintaining inaccurate, unverifiable, and invalidated information in my consumer file. This letter serves as a final written offer of settlement before pursuing litigation, as authorized by FCRA Sections 1681n, 1681o, and 1692k, seeking relief and monetary compensation for the damages caused by your noncompliance. Despite the requirements outlined in the FCRA, the unverified items listed below still remain on my credit report. Your agency is obligated to maintain a copy of the original creditors ' documentation to verify the accuracy and ownership of the reported information, as mandated by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). However, you have failed to provide me with any original documentation, including a consumer contract with my signature. Furthermore, you have neglected to provide the method of verification as required under Section 611 ( a ) ( 7 ). It is crucial to note that Section 611 ( 5 ) ( A ) of the FCRA explicitly states that " all information which can not be verified '' must be promptly deleted. I find it concerning that your agency appears to lack understanding of the FCRA, considering the numerous errors I have identified on my credit report. Allow me to provide a breakdown of the Fair Credit Reporting Act and the nature of FCRA violations : The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of credit information. It establishes rules regarding the acquisition, retention, and sharing of consumer credit information. FCRA violations can occur when creditors furnish inaccurate financial information to reporting agencies, when reporting agencies mistakenly mix up information of different individuals due to similarities in names or Social Security numbers, or when agencies fail to follow guidelines for handling disputes. Under the Fair Credit Reporting Act, I have the following rights : a. The right to verify the accuracy of my report when it is required for employment purposes. b. The right to receive notification if information in my file has been used against me in credit applications or other transactions. c. The right to dispute inaccurate, incomplete, and unverifiable information in my report and have it corrected or deleted. d. The right to have outdated negative information removed from my report after the specified time limits ( typically seven years, or 10 years in the case of bankruptcy ). In light of the violations outlined above, I demand the immediate deletion of the following items from my credit report due to their inaccuracy, unverifiability, and invalidation : [ Provide a numbered list of the disputed items, including the account name, account number ( if applicable ), and a brief explanation of the issue with each item. ] Failure to comply with this request and resolve these inaccuracies within the stipulated timeframe may result in legal action in accordance with the FCRA. I am prepared to enforce my rights under the FCRA by pursuing litigation to seek the remedies provided by Section 616 and Section 617, which include actual damages, punitive damages, the costs of the action, and reasonable attorney 's fees. Furthermore, I request that you remove all non-account holding inquiries from my credit report. Please note that you have 30 days, as mandated by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), to complete the reinvestigation of these disputed items. I also require a detailed description of the procedure used to determine the accuracy and completeness of the information within five days of completing the reinvestigation. I explicitly state that I do not consent to e-Oscar or any automated verification methods. Failure to respond satisfactorily within the specified timeframe may result in legal action, including a small claims lawsuit seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury. Please be aware that, depending on your response, I may publicly disclose any potential issues with your company through an online press release, including documentation of any pending small claims action. Copies of this complaint will be forwarded to the relevant organizations and authorities listed below for their information and appropriate action : XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 10. The following personal information is incorrect DATE OF BIRTH : XXXX 11. The following personal information is incorrect DATE OF BIRTH : XXXX I trust that you will take immediate action to rectify these violations and promptly address my concerns. I expect a comprehensive and satisfactory response from Equifax Information Services LLC within the specified timeframe. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
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05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XX/XX/XXXX -- -- -- XXXX ) XXXX stated Court items were UNVERIFIABLE and removed the unverifiable public record Court items from my XXXX report on or prior to XX/XX/XXXX per their Case XXXX ( Total Pages 4 of 18 ) Page 2. ( *See Attachment ) -- -- -- -2 ) XXXX stated during the same investigation period that Public Record Bankruptcy COURT items were accurate, therefore Verifiable with PACER as the Source in lieu of the Actual Bankruptcy COURT reporting as the Source with the major Credit Bureaus per their Case Number XXXX ( Total Pages 1 of 16 ) Page 1 ( See Attachment ) -- -- 3 ) XXXX again received my dispute on XX/XX/XXXX regarding a Court item and per their letter dated XX/XX/XXXX, this COURT item reporting was determined by XXXX as UNVERIFIABLE and stated this item had been removed per their Case Number : XXXX ( Total Pages 5 of 16 ) Page 1 ( See Attachment ). -- -- 4 ) XXXX stated in their letter dated XX/XX/XXXX that COURT Property Records were accurate, therefore verified as accurate but listed the SOURCE of the COURT items/records as XXXX instead of the Actual COURT per their Case Number : XXXX ( Total Pages 1 of 16 ) Page 1 ; and failed to truthfully state these COURT items are NOT Verifiable and remove them as other COURT items previously disputed and removed. -- -- -- 5 ) I also disputed the SAME Public Record item with the ( XXXX ) major credit bureaus, XXXX, XXXX XXXX and Equifax on or no more than ( 2 ) days after the XXXX Public Record dispute initiated on XXXX -- -- XXXX ) I contacted XXXX credit bureau last week XXXX XX/XX/XXXX to check the status of the Public Record Bankruptcy dispute directly with their company during XX/XX/XXXX and I was informed by the representative after being placed on a brief hold that XXXX completed their investigation XXXX XX/XX/XXXX. I afterwards questioned the representative as to why I never received notification stating this. The representative stated that the " Creditor verified the information as accurate ''. Afterwards I requested that she identify the " Creditor '' who did such and she responded that the " COURT '' as listed on my credit report. -- -- XXXX ) I phoned Equifax XXXX ( XX/XX/XXXX ) to check the status of the Public Record Bankruptcy dispute phoned in also in XX/XX/XXXX ( XXXX or XXXX ) and the representative informed me after an extensive search of her records that there was no record of my Public Record Bankruptcy Dispute for XXXX XXXX -- -- XXXX ) I phoned XXXX today ( XX/XX/XXXX ) to check the status of the Public Record Bankruptcy Dispute phoned in on XX/XX/XXXX and was told by the representative that their investigation was complete on XX/XX/XXXX resulting in the following : Bankruptcy COURT information was certified as accurate with XXXX listed as the SOURCE. ( See Attachment 5 ) -- -- -9 ) I contacted XXXX today to check the status of my XX/XX/XXXX dispute of the Public Record Bankruptcy COURT item and was told the investigation is still ongoing and had to ask several times if the response meant that the investigation was Open or Closed/Completed. Her final response was that the investigation was still ongoing and Open. I then asked the XXXX representative how could the major credit bureaus that use XXXX as a 3rd Party Furnisher close their disputes prior to XXXX XXXX seeing that they all were disputed as the SAME time. -- -- -Upon my investigation of this matter by way of contacting each major Credit Bureau on a status as well as XXXX, XXXX was found that both XXXX and Equifax " Pretended '' to have submitted my Public Record Court Bankruptcy dispute after I dictated very detailed verbiage to these representatives while on the phone ; but Equifax and XXXX either did not submit the dispute at all or internally deleted my dispute soon after it was taken as I did not receive any Investigation Results from these reporting agencies; or there was an illegal collaboration between the companies to disregard my dispute. Although XXXX may or may not use XXXX as its current 3rd Party Furnisher, XXXX 's 3rd Party Furnisher also can not Verify ANY Original COURT records/items as they too state as the Reporting Source in their consumer reports. -- -- 10 ) XXXX and similar 3rd Party Public Record Furnishers are illegally, fraudulently and by Bad Faith continue to use deceptive business practices to mislead consumers by utilizing " loop hole verbiage '' within their investigation results in order to retain 'Certain COURT ' items ( to include Bankruptcy Court Records ). One example of the 'loop hole strategy ' is to state a COURT item is " reported as accurate '' but not stating that the COURT items being disputed were actually " both verified and accurate ''. XXXX fails to include verbiage both " verified and accurate '' primarily due to the FACT XXXX or any 3rd Party Furnisher can not approach, request, or receive any Response from any 'Original COURT Furnisher ' whether it be XXXX XXXX, District XXXX or Federal COURT, as NO COURT reports to Any credit reporting agency and I have obtained and previously submitted my letter to the CFPB, XXXX XXXX and the ( 3 ) major Credit Bureaus from the Federal COURT stating such. -- -- - ( Summary ) -- - Finally, the major credit bureaus XXXX, Equifax, and XXXX all declare PACER illegally as their SOURCE of Bankruptcy COURT records within the results of an investigation by displaying the information was provided from their 3rd Party Furnisher or by naming the COURT in the results of the investigation but actually relying on PACER electronic computer records and providing a toll free number for PACER. I have called this PACER toll free number and told by the XXXX customer service representative that callers are not provided any COURT Records information but only guided how to set up a Public Record account with PACER or only receive Technical Assistance with the XXXX XXXX database issues ; therefor PACER is NOT an Original Source for COURT records. -- -- -I am requesting an immediate Deletion of any and All COURT items reporting in my files and also requesting deletion of reported Data NOT Certifiably ( Metro2 ) Compliant and Proven Valid and PHYSICALLY Verified. I also now invoke my Consumer Rights to demand that ONLY Factually Perfect True Correct Verified Validated claims that are Certified Compliantly Reported be reported. I also demand in this request that you investigate the Source of these accounts and ascertain that the CREDITOR had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be true or not, valid or not, obviously at a bare minimum any alleged reporting date furnisher would be necessarily required to at least be able to VERIFY my complete file information exactly as I have indicated and No other way whatsoever or Immediately Delete and Remove the items referenced.
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09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
|
*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
To Whom It May Concern, In the course of recently screening my personal Equifax credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
13. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
14. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 15. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NJ XXXX 16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
|
08/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American |
Dispute/Complaint Summary : XXXX XXXX reports that I did not pay them on time and that I am many months delinquent. I did pay them on time, but for almost five years, during our Chapter XXXX bankruptcy in which this mortgage was excluded, XXXX failed to send me statements and to tell me the payment amount due had gone up. They did send me some late and inspection fee notices but when I questioned them they said nothing could be done until the bankruptcy was discharged. I have asked XXXX to remove the late payment reporting from our credit reports and to waive the fees because they did not properly communicate with us. They declined.
Detailed Narrative : Re : XXXX failures to communicate payment changes and to remove late payment reporting to the credit bureaus.
At best, XXXX has shown incompetence and willful disregard for fairness and accuracy in its communications ; at worst it is guilty of criminal malfeasance and intent to defraud in the servicing of our mortgage payments, communications, and reporting to credit bureaus.
We are attempting to get this rental property loan reinstated or refinanced, improper fees credited, and related erroneous late payment reporting removed from our credit reports, so that my wife and I can get a mortgage and move to a single level home as soon as possible, hopefully before we can no longer get up and down stairs. In response to my written request, on XX/XX/XXXX, XXXX wrote we decline to remove or change any late payment information reported to the credit reporting agencies, as we are required to report the loan accurately. We have reviewed the late payment reporting, and found it to be accurate.
The late payments accumulated unbeknownst to us during the five years of our Chapter XXXX bankruptcy, filed in XX/XX/XXXX and discharged in XX/XX/XXXX. This mortgage was excluded from the bankruptcy plan by our attorney because he said we should let the house go into foreclosure or sell it ourselves, because it was unexpectedly vacant. Following his advice, we did not make the four payments from XX/XX/XXXX through XX/XX/XXXX. Then we found new tenants and decided to try to keep it as an important part of our retirement plan. XXXX offered us a Modified Mortgage and we made the Trial Period Plan payments starting in XX/XX/XXXX in the amount of {$1400.00}. We sent the signed Loan Modification Agreement paperwork to XXXX in XX/XX/XXXX. On XX/XX/XXXX I made the new trial period payment of {$1400.00}. Then I made the additional required trial period payments, and have made the same payments every month since then until XXXX of this year when I made the new escrow adjusted payment of {$1600.00}. Then XXXX returned our XXXX payment and told us the mortgage was in default and headed for a foreclosure sale. They offered us a new Loan Modification with Trial Period Payments of {$1500.00} which we made on XX/XX/XXXX and XX/XX/XXXX. Instead of committing to a modified 40 year loan we prefer to reinstate the original 30 year loan or refinance at a lower interest rate for 20 or 30 years.
On XX/XX/XXXX our attorney faxed and mailed to XXXX a letter authorizing and requesting XXXX to send statements and other correspondence concerning our account directly to us. XXXX did correspond directly with us in setting up the trial period payments and the LMA, but did not send to us subsequent statements and modifications to the escrow account. In a letter dated XX/XX/XXXX XXXX admitted that it failed in error to implement the XX/XX/XXXX Loan Modification Agreement.
During the five years XXXX did periodically notify us of late fees, inspection fees, and attorney fees, with the statement : If you are in a bankruptcy proceeding you will not need to pay these assessments When I repeatedly called about these I was told that because we were in bankruptcy there wasnt anything we could do to make them stop, and that the fees would be taken care of after the bankruptcy was discharged. They didnt tell me that the payments I was making were not enough to be current and that the LMA had not been implemented, until I recently called about the foreclosure notice. XXXX claimed they could not send us statements because we were in bankruptcy : That is not true because XXXX sent us statements for the other loan they service for us. Also, XXXX XXXX XXXX XXXX did a loan modification agreement with us on our primary residence early in the bankruptcy with no issues, and they send us regular statements. I dont believe XXXX reported late payments to the credit agencies until a few months ago, in XXXX or XXXX, and then they reported that I was 120+ days late, even though by then, according to their suspense calculations and all the fees, I was 9 or 10 months late.
This loan was excluded in the very beginning from protection under the original bankruptcy plan. XXXX applied for and was granted relief in XX/XX/XXXX, and from their XX/XX/XXXX letter : we removed this bankruptcy from our system on XX/XX/XXXX. Even after these events, XXXX did not send me statements and escrow analyses. They did not help me to understand what happened and didnt happen, and the options of what I could do to get on their track, until recently, while they simultaneously began reporting late payments even though I was still making what I thought were the correct payments on time every month. Earlier this year they sent me their Contractual Payment History and Customer Account Activity Statement, but they are confusing and difficult or impossible to understand even by their customer service reps, and possibly full of incorrect entries. I dont trust the accuracy of their Total Amount Due to reinstate the loan.
My online search of the XXXX XXXX servicing guidelines indicates that XXXX did not follow the specific requirements for outbound contact attempts ( Part D, subpart 2, chapter 2 ( D2-2-02 ) ). If they had, I would have known about the delinquency within a month or two, back in 2013, I would have made the revised payments, and none of this would have happened.
My experience with XXXX, and my Consumer Financial Protection Bureau ( CFPB ) research indicates there are many more XXXX customers with similar experience, points to reactive rather than proactive customer service. When required monthly payments increase but the customer continues to make the same payments as before the increase, the system should flag someone to ask why. If the answer is that XXXX failed to notify the customer, then corrective measures should be taken.
We have applied for financing for a new home but we were told they wont deal with us until the XXXX lates are removed from our credit reports. What is our recourse? Can XXXX be motivated or required to remove the late payment reporting from our credit reports and to waive the fees because they did not properly communicate with us?
|
09/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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With a broken heart I am pleading with the Consumer Financial Protection Bureau to PELASE help me investigate XXXX XXXX/ XXXX and XXXX . I have suffered lies, verbal aggression and financial hardships because of the way my account was mishandled by XXXX/XXXX XXXX/XXXX.
Earlier this year XXXX failed to send me statements to physical mailbox at XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX on many occasions. They claim that I signed up for paperless statements but I NEVER did! That option was never selected by me. My husband and I signed up for auto-pay and that was it. Many months before this we went through XXXX and back dealing with customer service representatives and tech support in various other countries who were trying to fix the mixed profiles on my account and they could not. A few months after in XX/XX/XXXX they claimed it was fixed and the two inactive accounts would not show up on my profile but they did, and my husband and I were unable to link our accounts over and over again. I called XXXX and let them know that I have auto-pay set up but I was NOT able to see my statements at the top of the credit card section because of past linked cards so I wanted to make sure I received statements in the mail. After not receiving XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX I was charged astronomical late fees that over drew my auto-pay and because they failed to mail me statements the late went unnoticed until almost 3 months later. I finally got a call about it being overdue around XX/XX/XXXX-XX/XX/XXXX.
I called right away and paid the balance and spoke to 2 representatives ( XXXX and XXXX ) who reversed ALLLL of the fees and assured me that the late that had shown up on my credit report would be reversed as well and that it was definitely going to be done and all I had to do was call Monday to the east coast at ( XXXX ) XXXX ( this was the number XXXX # XXXX and XXXX gave me ) and inform them that the late was not my fault and that along with the reversed fees I should also have my credit report corrected. When I called the following week I spoke to the most aggressive, condescending, sarcastic and hurtful representative who would not let not me speak and pretty much raised her voice at me and made me cry! She refused to do anything, and after I asked her to please check what the last representative had noted about correcting my credit report she claimed that nothing was noted. The original representative said she would SEND me a letter confirming that the late would be removed and that she would put a note on the account that the unseen statements were not my fault and that it should be corrected just in case i had further problems like last year. XXXX ( # XXXX ) was the representatives name that made me cry and she refused to let me finish speaking! She was so mean to me that my whole body was shaking in disbelief and my husband was very concerned for me at that moment.
My issues are that I never asked for paperless statements as they claimed. I ONLY set up auto-pay and told the representatives not to sed me paperless because I had 2 other credit cards appearing on my profile which showed {$0.00} balances ( one was closed and one was an authorized user ) because it was VERY confusing that I COULD NOT link only my NEW card!
I was told earlier this year and late last year that XXXX was going through a system update and the office systems and computers were changing and that I would probably have issues for a while and It has indeed been very unorganized at their offices and on their website!
I begged and pleaded with XXXX, XXXX # XXXX and XXXX # XXXX for a review of my phone calls and I was refused. I wanted them to hear for themselves what the two representatives had promised me and they refused ; claiming it was not their JOB/REQUIREMENT to let me hear that! What is the point of recording me if you can not use it to verify employees mistakes against customers? Are they only in the business of falsely incriminating customers?
XXXX returned allllll of the fees and interest that threw my account over the limit on my auto-pay. I was charged back to back insane fees and they were reversed. Therefore that LATE should not be reported. Why returns fees and interest ON THOSE fees and not correct a late if it was my fault? I told the representatives that I was only calling about the LATE on my credit report, not the fees. I never asked for fees to be reversed but when XXXX investigated this matter for me she assured me that I was not at fault and that the late would come off and as a result OBVIOUSLY the fees and interest would be returned to me as well. hence, so should the late on my report be corrected.
XXXX bombardes my email account withrewards statements, sales and ridiculous junk mail from their associates and this is very confusing and there is no way one could see important statement information when they are mailing me tons and tons of other things and backing up my email! I even unsubscribed many times from all rewards card information and still till this day they are sending them to me. The rewards card with XXXX sends emails with STATEMENT in the subject line, who would n't confuse this with credit card statements? PLUS, I never signed up for statements from my XXXX XXXX to go to my email, so I would never know to check there! This company is very amateur and unprofessional and they put customers at risk and then refuse to acknowledge their mistakes. I have been an employee at XXXX in XXXX XXXX and I can not believe that they are doing this to me. It is not fair, they lied to me. It is not my fault that they have representatives who are misinformed and tech-support agents that can not fix very common and simple issues!
The only solution they offered me was that their representatives would be coached. But that does not help me! I was WRONGED! I have lost over 100 points on myfico.com for this late and my authorized user has lost a mortgage refinance because of their negligence. Their website if very confusing and there is no way I signed up for paperless statements. My husband informed me that the statements could not be seen and the account could not be linked because the old profile would not let me at the time so we moved it to auto-pay to be safe and requested mailed statements. That is that! Whatever happened in between that is not properly documents and I am being toyed with and it is unfair and all based on poor account management and note taking by representatives. My account has a credit of {$48.00} and yet I am still late for the month of XX/XX/XXXX. This is wrong, ridiculous and ironic!!! They refused to properly investigate this and that is a problem because when I called tech support and asked for statements I was speaking to people who barely spoke ENGLISH! I am not surprised my account was mishandled.
|
07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to submit a formal dispute regarding several violations of federal laws that have significantly impacted my financial well-being and creditworthiness. I request your assistance in enforcing my legal rights under the relevant statutes to rectify the following violations : XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized credit inquiry under the Fair and Accurate Credit Transactions Act ( FACTACT ).
Relevant Law : Fair and Accurate Credit Transactions Act ( FACTACT ) Relevant Section : Section 604 - Permissible Purposes of Consumer Reports Relevant Subsection : Section 604 ( a ) ( 3 ) ( B ) - Permissible Purpose for Furnishing Consumer Reports XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized credit inquiry under the Fair and Accurate Credit Transactions Act ( FACTACT ).
Relevant Law : Fair and Accurate Credit Transactions Act ( FACTACT ) Relevant Section : Section 604 - Permissible Purposes of Consumer Reports Relevant Subsection : Section 604 ( a ) ( 3 ) ( B ) - Permissible Purpose for Furnishing Consumer Reports XXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute This is the wrong creditor for this item XXXX XXXX Account Number : XXXX Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute XXXX is reporting payment history on the collection/charge-off account. I never had any financial obligation with this company.
XXXX XXXX Account Number : XXXX Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute This account is not reported consistently on all three credit bureaus. Only XXXX and Equifax report this account. I don't own this account. I never received any pertinent paperwork informing me of this debt.
XXXX XXXX XXXX Account Number : XXXX Violation : Incomplete or inconsistent reporting under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 605 - Requirements Relating to Information Furnished to Consumer Reporting Agencies Relevant Subsection : Section 605 ( a ) ( 1 ) - Reporting Information with Maximum Possible Accuracy XXXX and XXXX are reporting payment history on the collection/charge-off account. I never had any financial obligation with this company.
XXXX Account Number : XXXX Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute This collection account doesn't belong to me. Please delete it from my credit report or inform me how you have verified this account.
XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate reporting of account ownership under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Violation : Inaccurate reporting of personal information under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 605 - Requirements Relating to Information Furnished to Consumer Reporting Agencies Relevant Subsection : Section 605 ( a ) ( 2 ) - Duty to Correct and Update Information The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Violation : Inaccurate reporting of personal information under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 605 - Requirements Relating to Information Furnished to Consumer Reporting Agencies Relevant Subsection : Section 605 ( a ) ( XXXX ) - Duty to Correct and Update Information SERVICED BY XXXX Account Number : XXXX Violation : Inaccurate reporting of account ownership under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute These violations have had a profound and distressing impact on my life. The inaccurate and unverified information on my credit report has unfairly tarnished my financial reputation and has hindered my ability to secure loans, rent housing, and access necessary services. It has caused immense stress, XXXX, and hardship for me and my family, affecting our well-being and future prospects.
As you review my case, I urge you to enforce the legal protections afforded to me under the relevant laws. I kindly request that the creditors promptly investigate and verify the accuracy of the disputed accounts. I further demand the removal of any unverified and inaccurate information from my credit report to restore my creditworthiness and alleviate the unjust burden imposed upon me.
I have attached supporting documentation and evidence to substantiate my claims. Please find enclosed copies of credit reports, correspondence with creditors, and any other relevant materials that can aid in resolving these violations.
I am truly grateful for your attention to this matter and look forward to a fair and just resolution. Your support in upholding the laws designed to protect consumers like me is vital, and I trust that you will take appropriate action to address these violations.
Please feel free to contact me via the provided contact information if you require any additional details or clarifications.
Thank you for your understanding and cooperation.
Sincerely, XXXX XXXX
|
11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
XXXX XXXX responded to the CFPB on XXXX XX/XX/XXXX to CFPB complaint XXXX and XXXX. In one of the attachments she states : " When a private student loan comes out of forbearance the repayment schedule and billing statements are sent the day it enters in repayment. '' XXXX XXXX confirms that : " records show that your forbearance was approved and processed on XX/XX/XXXX good through XX/XX/XXXX, but since XX/XX/XXXX fell on a Friday the loan went into repayment the following business day which was XX/XX/XXXX. '' What her words establish is that the first billing statement has a generation date of XXXX XX/XX/XXXX. Furthermore, she confirms that the intended statement generation date was XXXX XX/XX/XXXX, but that the date fell on a non-business day and therefore was generated the next business day of XXXX XX/XX/XXXX. XXXX XXXX the claims that subsequent statements were generated on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Ms. XXXX XXXX asserts that the due dates fall approximately XXXX XXXX XXXX XXXX days after the statement date.
So let 's walk through this so that XXXX XXXX understands. Per her response to the aforementioned complaints, a statement generated on XXXX XXXX would have a due date of XXXX XX/XX/XXXX and be reported to the CRAs for the month of XX/XX/XXXX at the end of the month per XXXX batch reporting through e-OSCAR. A statement generated on XXXX XXXX would have a due date of XXXX XX/XX/XXXX and be reported to the CRAs for the month of XX/XX/XXXX at the end of the month per XXXX batch reporting through e-OSCAR. A statement generated on XXXX XXXX would have a due date of XXXX XX/XX/XXXX and be reported to the CRAs for the month of XX/XX/XXXX at the end of the month per XXXX batch reporting through e-OSCAR.
If I discount the fact that the initial billing statement was generated XXXX XX/XX/XXXX with a due date of XXXX XX/XX/XXXX, and the next statement was generated XXXX XX/XX/XXXX with a due date of XXXX XXXX, and the pattern thereafter is allegedly consistent, then Ms. XXXX XXXX needs to find yet another semantic dance to explain WHY the CRAs are reporting payment history thru XX/XX/XXXX using the information XXXX has supplied, when the alleged due date for the statement XX/XX/XXXX would not be until XXXX XX/XX/XXXX. Furthermore, Ms. XXXX XXXX needs to explain why it is being reported as past-due by at least thirty ( 30 ) or more days, considering that not even the XX/XX/XXXX payment due would be a minimum of thirty ( 30 ) or more days late by the end of XX/XX/XXXX -- it would be three ( 3 ) days late.
If we now zoom out and look the statement generation in its entirety, it is clear that Ms. XXXX XXXX is attempting to cover up the mistakes of her firm. The first statement date establishes the date at which a statement must be generated for each subsequent statement thereafter. A statement generated on XXXX XX/XX/XXXX with a due date of XXXX XX/XX/XXXX establishes that the correct pattern would be a statement generated XXXX XX/XX/XXXX has a due date of XXXX XX/XX/XXXX. Yet, what XXXX XXXX did was send the next statement on XXXX XX/XX/XXXX with a due date of XXXX XX/XX/XXXX. There is no statement covering the XX/XX/XXXX period -- at all. Furthermore, XXXX XXXX reports payment history for both XX/XX/XXXX and XX/XX/XXXX as on-time.
Finally, Ms. XXXX XXXX 's desperation to explain the actions of her institution are quite clear in that she exclaims to me directly " you are not required to receive a billing statement to make a payment. '' That notion is patently false as 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) requires lenders to provide periodic statements, and in particular " 1026.2 Definitions and rules of construction '' and establishes the rules under which a statement must be generated and delivered to a consumer. Furthermore, as someone that has worked for the United States Government in some capacity, I can assure Ms. XXXX XXXX that the contracts I entered into with the United States Government most certainly require that I receive timely, factually accurate statements generated by XXXX within what is permitted under Federal Law. For me to do otherwise would constitute potential national security issue and revocation of any security clearances I may have. Ultimately, it would do Ms. XXXX XXXX some good to understand that my finances are monitored by various portions of the Federal Government at any given time and that matters such as what Ms. XXXX XXXX is purporting, in addition to the way in which XXXX has reported to the CRAs could trigger an investigation for one of those agencies or bureaus, for example the FBI, NCIS, in which Ms. XXXX XXXX, and whomever she reports to would have to explain to the Federal Government why they thought their course of action or statements to the CFPB were valid. In such an instance, all I am required to do is to demonstrate my attempts to correct the behavior and inaccurate information, such as what I'm doing here.
The notion that payment on an alleged financial obligation is independent of timely and consistent right of notice under due process is demonstrably false per 12 CFR Part 1026. Ms. XXXX XXXX 's assertion that the very essence under which a contract is agreed into regarding disclosures and statements may be violated per the agreement, and pursuant to federal law is false. As a loan entering repayment AFTER the establishment of the CFPB, XXXX statement obligations as interpreted by the CFPB are in effect.
The fact is I entered into a good-faith agreement with the originator of my loan. That entity is most certainly NOT XXXX XXXX. XXXX XXXX has demonstrated a consistent pattern of illegal and unethical behavior. I for one will not tolerate being a party to such.
So, if Ms. XXXX XXXX continues to insist that I should pay on an alleged financial obligation every month without receiving a timely statement in compliance with the CFPB interpretation of 12 CFR Part 1026, I will be notifying the FBI and/or my security assurance officer and she and her institution can deal with whatever consequences should arise out of that.
Ultimately, Ms. XXXX XXXX needs to review the 12 CFR Part 1026 - Truth in Lending and the consent order issued by the CFPB around XXXX XX/XX/XXXX to understand how her behavior and her statements to the CFPB with regards to " investigations '' to my account brings extra scrutiny to her institution and could result in findings of further violations of Federal Law and violations of the consent decree issued against XXXX XXXX. XXXX XXXX needs to get its act together if it wants to clean up its image -- it could start by cleaning house within the very executive office Ms. XXXX XXXX is a part of.
A copy of CFPB 's interpretation of 12 CFR Part 1026 is attached as is a copy of the consent decree.
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05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1700.00} High Balance {$1700.00} Remarks Consumer disputes this account information Collection accountXX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$450.00} High Balance {$220.00} Remarks Consumer disputes this account information Collection account XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$450.00} High Balance {$220.00} Remarks Consumer disputes this account information Collection account Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XX/XX/XXXXStatus Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$460.00} High Balance {$410.00} Remarks Consumer disputes this account information Affected by natural disaster all above are debt collection violations : The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit {$500.00} Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} XXXX XXXX XXXX violations : Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to XXXX Data Breach XX/XX/XXXX Creditor Name XXXX XXXX Account Type Secured Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit RFC XXXX Account Type Installment Sales Contract Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- XXXX XXXX/XXXX Account Type Charge Account Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account.
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$4500.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off account Fixed rateXXXX XXXX XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XX/XX/XXXX violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent.
You visited this page on XX/XX/XXXX.
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04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. What is the accuracy of these accounts? Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
How many violations do you need to remove these accounts?
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified with ALL information being and exact match or deleted immediately. Exact Match includes spelling of my FIRST MIDDLE AND LAST NAME ( no abbreviations ), CURRENT ADDRESS ( that matches my government issued ID ), DOB. If any of this does not match that was provided to you by the ORIGINAL creditor, please delete immediately. A debt buyer CAN NOT verify FULL IDENTIFICATION on the consumer and would be IDENTITY THEFT IF THE CREDIT REPORTING AGENCY PROVIDE 3RD PARTIES WITH ANY OF MY PERSONAL INFORMATION, all verifiable information has to come from the original creditor with my wet link signature.
*** I DO NOT CONSENT TO ANY E-OSCAR VERIFICATION OR ANY TYPE OF ELECTRONIC VERIFICATION OR ANY TYPE OF EXCHANGE OF ANY OF MY PERSONAL INFORMATION TO 3RD PARTIES THAT DOESNT HAVE A WETLINK SIGNATURE CONTRACT WITH ME. **** HARD INQUIRIES places information on a consumer profile but cant verify if its the consumer. Only I can verify if an inquiry is mine with ALL EXACT matching data and the BELOW inquiries are also to be deleted.
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX Unverified Account AND CARES ACT COVID VIOLATION XXXX XXXX Unverified Account AND CARES ACT COVID VIOLATION XXXX XXXX XXXX XXXXXXXX -MEDICAL BILL Unverified Account AND CARES ACT COVID VIOLATION XXXX XXXX XXXX XXXXXXXX MEDICAL BILL Unverified Account AND CARES ACT COVID VIOLATION XXXX XXXX XXXX XXXXXXXX MEDICAL BILL Unverified Account AND CARES ACT COVID VIOLATION XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX MEDICAL BILL Unverified Account AND CARES ACT COVID VIOLATION XXXX XXXX XXXX XXXXXXXX MEDICAL BILL Unverified Account AND CARES ACT COVID VIOLATION XXXX XXXX XXXX XXXXXXXX MEDICAL BILL Unverified Account AND CARES ACT COVID VIOLATION XXXX XXXX Unverified Account XXXX Date of inquiry XX/XX/2023 Unverified Account XXXX XXXX Date of inquiry XX/XX/2023 Unverified Account XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/2023 Unverified Account XXXX Date of inquiry XX/XX/2023 Unverified Account * Please remove all non-account holding inquiries.
* Please add a Promotional Suppression to my credit file.
*REMOVE ANY FRAUD ALERTS ON MY ACCOUNT Thank You, XXXX XXXX XXXX XXXX : GOVERNMENT IDENTIFICATION AND UTILITY BILL NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Your credit reporting agency has given debt buyers my new personal information which is considered identity theft. No permissible purpose... Debt buyers can not verify accuracy on purchase debt. Debt buyers are not offering employment. Debt buyers buys debt and re-age then illegally as new debt. Only the consumer can verify accuracy. These collection accounts are not even on my consumer reports. The debt buyers did not have any of my accurate personal information until I disputed the debt with your collection agency. What permissible purpose did you have to give a third party my information without my permission or permissible purpose? This information was already previously removed WHEN I SENT THE FTC AND POLICE REPORT TO YOUR AGENCY IN XX/XX/2023 and now have been replaced on my account with the new information that was provided by the credit reporting agency. I have not been provided with no information or original contract on how this information was verified as my account. You have violated many FCRA violations and these accounts need to be removed immediately! This has caused many damages to my pursuit of happiness. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) that has an exact match to " ALL '' information as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). * Please remove all non-account holding inquiries. * Please add a Promotional Suppression to my credit file. *** I DO NOT CONSENT TO ANY E-OSCAR VERIFICATION OR ANY TYPE OF ELECTRONIC VERIFICATION OR ANY TYPE OF EXCHANGE OF ANY OF MY PERSONAL INFORMATION TO 3RD PARTIES THAT DOESNT HAVE A WETLINK SIGNATURE CONTRACT WITH ME. **** Delete ALL UNVERIFIED INQUIRIES AND DISPUTED ACCOUNTS or provide the original documentation with a wet link signature which is physical verification. You are the only bureau that is not following the law and are allowing debt buyers to verify accuracy is identity theft from your company. Delete ALL UNVERIFIED ACCOUNTS AND INQUIRIES.
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05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Subject : Dispute of Inaccurate Information - Violation of United States Code Law Dear Sir/Madam, I am writing this letter to formally dispute and seek resolution for the inaccurate, unverifiable, and invalidated information currently present in my consumer file. As per the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and correct any discrepancies in my credit report, and it is my intention to pursue all available remedies under FCRA, including seeking relief and monetary compensation, if the following listed items are not promptly addressed and rectified.
I have previously brought these inaccuracies to your attention, and despite your investigation, the incorrect information persists on my credit report. It is essential to note that you have failed to provide me with any original documentation to verify the accuracy of the reported items, as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, you have not provided the method of verification, as mandated by Section 611 ( a ) ( 7 ). Consequently, under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to " promptly DELETE all information which can not be verified. '' I am disappointed to observe that your agency continues to disregard the FCRA, and the inaccurate and unverified items listed below persist on my credit report : XXXX Account Number : XXXX The reporting of this account is completely inaccurate and has adversely affected my credit. I have never had any late payments on this account, and I demand an immediate update and removal of the inaccurate information.
XXXX XXXX Account XXXX : XXXX The reporting of this account is entirely inaccurate, and it has had a negative impact on my credit. I have never made any late payments on this account, and I request an immediate correction and deletion of the inaccurate information.
XXXX XXXX Account XXXX : XXXX The reporting of this account is entirely inaccurate, and it has significantly impacted my credit. I have never had any late payments on this account, and I insist on an immediate update and removal of the inaccurate information.
XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they XXXX be incorrect. Kindly rectify or delete this account from my credit report entirely.
XXXX Account Number : XXXX I request a thorough investigation into this account as I am unable to recognize it. Please remove this account from my credit report.
Current Address : The current address listed as XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, is incorrect. Kindly update this information accordingly.
XXXX Account XXXX : XXXX I have not made any late payments on this account, and it has been paid as agreed. I demand the removal of the late payment from my credit report.
XXXX Account XXXX : XXXX I have not made any late payments on this account, and it has been paid as agreed. I request the correction and update of this inaccurate information on my credit report.
XXXX XXXX Account Number : XXXX I have not made any late payments on this account, and it has been paid as agreed. I insist on the correction and update of this inaccurate information on my credit report.
XXXX XXXX Account Number : XXXX I have not made any late payments on this account, and it has been paid as agreed. I request the correction and update of this inaccurate information on my credit report.
Current Address : The current address listed as XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, is incorrect. Kindly update this information accordingly.
Previous Address : The previous address listed as XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, is incorrect. Please rectify this information.
Unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX I demand the immediate removal of this unauthorized inquiry from my credit report.
XXXX Account XXXX : XXXX This account is involved in litigation, has an incorrect high balance, an inaccurate date of last activity, reaged accounts, reinsertion without proper notice, an undated late payment, and a charge off listed as open. I insist on the removal of this account from my credit report.
Current Address : The current address listed as XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, is incorrect. Kindly update this information accordingly.
Previous Address : The previous address listed as XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, is incorrect. Please rectify this information.
Unauthorized Inquiry XXXX Date of inquiry : XX/XX/XXXX I request the immediate removal of this unauthorized inquiry from my credit report.
Incorrect Personal Information Name : XXXX A XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Unauthorized Inquiry XXXX Date XXXX inquiry : XX/XX/XXXX I demand the immediate removal of this unauthorized inquiry from my credit report.
Your failure to comply with the FCRA and address these disputes within 30 days, as mandated by Section 611 ( a ) ( 1 ) ( A ), will leave me with no choice but to pursue legal action against your agency. Please note that I am keeping a meticulous record of your actions, including the method of verification used. I do not consent to e-Oscar or any form of automated verification.
According to the FCRA, if you fail to respond satisfactorily within 30 days of receiving this certified letter, I may initiate a small claims action against your company, seeking {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please be aware that depending on your response, I may publicize any potential issues with your company through an online press release, including documentation of any small claims action I pursue. Furthermore, copies of this letter and the accompanying complaints will be submitted to the relevant authorities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau Consumer Financial Protection Bureau Attorney General 's Office XXXX XXXX XXXX State Senate Federal Deposit Insurance Corporation Comptroller of the Currency Federal Reserve System Credit and Insurance Regulators Federal Trade Commission State Regulatory Agency California Regulatory Agency, Division of Consumer Complaints I expect your prompt attention to this matter and the immediate correction of the inaccurate information in my credit report. Failure to comply will result in legal action. Please send me written confirmation of the actions taken to address these disputes.
Sincerely, XXXX XXXX XXXX
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04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
2. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
3. Identity Theft Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX 4. Identity Theft Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX 5. Identity Theft Account Number : Employers : XXXX XXXX XXXX 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
7. Identity Theft Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 8. Identity Theft Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 9. Identity Theft Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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06/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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Order signed by Judge on XX/XX/XXXX. Illegally reported as past due on XX/XX/XXXX when order was not signed until XX/XX/XXXX. Have made payments on time since it was signed, and disputed erroneous reporting. However, they are still showing as past due, event though most recent report show payments each month. Double payment in XXXX.
I completed form requesting hearing, as well as provide documentation showing payment history for the life of the order. Have spoken with company in regard to erroneous reporting. Started investigation in XXXX, XXXX and XXXX. After four months, they still have not rectified or responded outside of saying contact the Credit Bureau.
I disputed with Equifax, XXXX and XXXX. Indicating the mismatch of information, each agency has different amounts owed. XXXX on XXXX ; XXXX on XXXX. As well as different Open Dates ; XXXX and XXXX on XXXX ; XXXX and XXXX on Equifax. They continue to report as past due, however, each report shows dates of payments received in the amount of XXXX. Disputed with all three Credit Bureaus, they stated that they were veriifed, however, they could not have done a true investigation as, thereafter, accounts were still listing with the conflicting, incorrect and mismatched information above.
The are violating all of my rights as a consumer as well as FCRA laws as it relates to privacy, accuracy of information, consent to reporting, investigation and the deletion of inaccurate information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Lastly, company continues to close and reopen account on my report, adversely affecting my score and consumer profile, despite evidence proving its lack of validity, fraudulent account reporting and irrespective of investigation.
( Laws listed below are all of which the Company ( Attorney General ) and Credit Reporting Bureaus are in violation.
( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
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08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Below are the accounts in question : Credit account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX XXXX account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field XXXX reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : Credit XXXX XXXX XXXXt account # 3 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # 4 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards XXXX therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( XXXX ) in the XXXX XXXX data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This letter is regarding my account ( XXXX ) with you, as noted above & gt ; that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate XXXX XXXX COMPLIANCE as related to each and all of the accusations of adverse account ( XXXX ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above & gt ; ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( XXXX ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( XXXX ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late.
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07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX SS # : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing this letter to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) committed by various creditors. I am seeking your intervention and enforcement of the law to address the following issues : Incorrect Reporting of Personal Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Incorrect Reporting of Personal Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Incorrect Reporting of Personal Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( XXXX ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX XXXXXXXX XXXX A Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX COMP Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXXXXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXXXXXX XXXX Account Number : XXXX This unfortunate situation has had a profound impact on my life, causing immense emotional distress, financial instability, and sleepless nights filled with XXXX I have always been diligent in managing my finances and maintaining a good credit history. However, the inaccuracies and unauthorized credit inquiries on my credit report have led to numerous problems, affecting my ability to secure loans, obtain affordable insurance rates, and even find suitable housing.
The stress and frustration I have experienced are immeasurable. Despite my efforts to rectify these errors, the creditors have failed to provide satisfactory responses or remove the unverified accounts from my credit report. I have reached out to the creditors multiple times, disputing the inaccuracies and unauthorized inquiries, but my pleas have gone unanswered.
Furthermore, the impact of these violations extends beyond mere inconvenience. I had been planning to buy a home to provide stability and a secure environment for my family. However, due to the tarnished credit caused by these errors, my dream of homeownership has become unattainable, leaving my family 's future uncertain.
I request your immediate intervention to enforce the FCRA and ensure that the creditors rectify these violations promptly. I demand that all unverified accounts and unauthorized inquiries be removed from my credit report, and that accurate and updated information be reported in compliance with the law.
I am counting on your expertise and dedication to protecting consumers like me from unfair and deceptive practices. Your swift action will not only restore my faith in the credit reporting system but also provide a much-needed sense of relief and justice.
Enclosed with this letter are copies of my credit reports and supporting documents related to the inaccuracies and unauthorized inquiries, further demonstrating the urgency and severity of these violations.
I sincerely hope that the Consumer Financial Protection Bureau will prioritize my case and diligently investigate the matters raised in this dispute. I look forward to a prompt resolution that upholds the principles of fairness, accuracy, and consumer protection that the FCRA was designed to enforce.
Thank you for your attention to this matter, and I eagerly await your response and resolution.
Sincerely, XXXX XXXX
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11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account.
XXXX. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX # XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX # XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. Identity Theft XXXX Account Number : XXXX Delete this account.
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
|
12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I have seen repeatedly on XXXX and equifax XXXX XXXX XXXX XXXX XXXX and transactions in my name on my consumer reports from XXXX and XXXX I have repeatedly warned them and the credit reporting agencies about these fraudulent accounts that are on my consumer report. I did a XXXX report a FTC identity theft report state attorney general report a Florida consumer complaint Ive spoken with the representatives there multiple times about the fraudulent accounts that are reporting on my consumer report they have been on my report now. Well over the last two or three years Ive reached out to all three of the credit reporting agencies about the fraudulent accounts, and that they should be removed because these are not and never have been my accounts They have multiple addresses on my consumer reports addresses that Ive never lived at my entire life. a lot of the information with the misspellings of my name, and all of the addresses and especially with discovery bank and XXXX removed. At this point XXXX at. This is a cease and desist letter and warning to Equifax, XXXX, and XXXX about the fraudulent that are on my consumer report these are the accounts, the dates and the times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 61681b Permissible purpose of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Account Name XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. XXXX XXXX XXXX XXXX from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( 1 ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( XXXX ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/EQUIFAXXXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
|
09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
To Whom It May Concern, In the course of recently screening my personal Equifax credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
2. Identity Theft XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. Identity ThefXXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on!
Below is a summary of the data in which I am challenging I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Here is a list of accounts that you claimed were verified.
Summary of Accounts being challenged in list form XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX US DEPT ED ( XXXX ) - ( XXXX ) XXXX US DEPT ED ( XXXX ) - ( XXXX ) XXXX US DEPT ED XXXX XXXX ) - ( XXXX ) XXXX US DEPT ED ( XXXX ) XXXX ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2021 Summary of Accounts being challenged in list form DP OF EDUC ( XXXX ) XXXX ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX XXXX - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) - XXXX XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX ) XXXX According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
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11/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX XXXX, XXXX, XXXX, XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX The following employer is incorrect and does not belong to me XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX : XXXX is reporting no late payments, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 90 days late for XX/XX/XXXX, XX/XX/XXXX, 120 days late for XX/XX/XXXX and Equifax is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late for XX/XX/XXXX, XX/XX/XXXX, 90 days late for XX/XX/XXXX, XX/XX/XXXX, 120 days late for XX/XX/XXXX, XXXX XXXX : XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and XX/XX/XXXX, Equifax is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX. XXXX XXXX : XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, Equifax is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX : XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX andXX/XX/XXXX, 60 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX and XX/XX/XXXX, 60 days late for XX/XX/XXXX and XX/XX/XXXX, Equifax is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, 60 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX : XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and 60 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and 60 days late for XX/XX/XXXX, Equifax is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and 60 days late for XX/XX/XXXX, XXXX : XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, 60 days late for XXXX through XX/XX/XXXX, XXXX is not reporting any late payments, Equifax is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, 60 days late for XXXX through XX/XX/XXXX, XXXX XXXX : XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, Equifax is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX : XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 days late for XX/XX/XXXX, Equifax is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late for XX/XX/XXXX, XXXX XXXX : XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and XX/XX/XXXX, Equifax is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX : XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, Equifax is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX XXXX : XXXX is reporting a payment status of Current but also reporting late payments of 30 days late forXX/XX/XXXX, 60 days late forXX/XX/XXXX, 90 days late forXX/XX/XXXX 120 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, 60 days late for XX/XX/XXXX, 90 days late for XX/XX/XXXX, 120 days late for XX/XX/XXXX, Equifax is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, 60 days late for XX/XX/XXXX, 90 days late for XX/XX/XXXX, 120 days late for XX/XX/XXXX, XXXX : XXXX is not reporting any late payments, XXXX is reporting a payments status of Current but also reporting a late payment for XX/XX/XXXX, XXXX is reporting a payments status of Current but also reporting a late payment for XX/XX/XXXX, XXXX : XXXX and XXXX is not reporting any late payments, Equifax is reporting a payment status of Late 30 days but is not reporting that dates the account was 30 days late, XXXX XXXX : XXXX is reporting a payment status of Late 30 Days but is not providing the dates the account was paid 30 days late, XXXX is reporting a payment status of Unknown and also reporting a 30 day late payment for XX/XX/XXXX, XXXX is reporting a payment status of Late 30 Days and reporting a payment of 30 days late for XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX : Account Number : XXXX **** XXXX is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX, Equifax is not reporting this account, XXXX XXXX : Account Number XXXX XXXX is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX, Equifax is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
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08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Back in 2019 I lost my personal information at a hotel when I was visiting, which I thought I may have misplaced and/or left at home. Now in 2022 I've noticed a lot of Hard inquires, Negative and positive accounts reporting to my credit report which has never been authorized by me. Im just now starting to learn about credit so I can buy assets to pass them down to generations. I informed all the credit bureaus and they did absolutely nothing to help me because they didn't even do a proper investigation. The credit reporting agency 's verified account by my name, dob and address and reading and understanding the " FCRA '' that is not an proper investigation and no witnesses, neighbors, friends, family, etc. were apart of that investigation. I'm currently on medication because the amount of stress I've been under because of the credit Bureaus who are not willing to do their job as promised. I'm tired and Im at the point i'm hiring legal counsel to bring a suit against XXXX, Equifax and XXXX. Especially considering Equifax had a data breach and they are not doing anything in their power to help me settle this matter in peace. I feel like i'm being discriminated because of my XXXX. Im currently XXXX with my kids and if I this matter don't get solved within 30 days i'm going to seek legal counsel and hold all parties accountable. Listed below is the accounts unauthorized : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXXXXXXXX**** Account Type : Installment Installment Account Type - Detail : Auto Loan Auto Loan Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$400.00} {$400.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$25000.00} {$25000.00} No. of Months ( terms ) : 72 0 High Credit : {$25000.00} {$25000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$1500.00} {$1500.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Auto Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan XXXXXXXX XXXX XXXX Code : Individual Individual Account Status : Open Open Monthly Payment : {$190.00} {$190.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$4400.00} {$4400.00} No. of Months ( terms ) : 36 36 High Credit : {$4900.00} {$4900.00} Credit Limit : {$0.00} {$0.00} Past Due : {$450.00} {$450.00} Payment Status : Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Closed Closed Open Monthly Payment : {$51.00} {$51.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$660.00} {$660.00} {$610.00} No. of Months ( terms ) : 0 0 0 High Credit : {$660.00} {$660.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$160.00} {$160.00} {$110.00} Payment Status : Late 90 Days Late 90 Days Late 60 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber.
Consumer disputes this account information Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$15.00} {$15.00} {$15.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$890.00} {$890.00} {$930.00} No. of Months ( terms ) : 120 120 0 High Credit : {$1000.00} {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code XXXX Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$21.00} {$21.00} {$21.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1000.00} {$1000.00} {$1000.00} No. of Months ( terms ) : 0 0 0 High Credit : {$1400.00} {$1400.00} {$0.00} Credit Limit : {$1000.00} {$1000.00} {$1000.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan Secured loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 12 12 12 High Credit : {$530.00} {$530.00} {$530.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Secured Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$120.00} {$160.00} {$450.00} Credit Limit : {$450.00} {$450.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Account closed by consumer Credit line closed - consumer request - reported by subscriber.
Account closed at consumer 's request Closed or paid account/zero balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, XXXX in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX
Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
7. Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXXXXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX.
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection BureauXXXX : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate XXXX : Federal Deposit Insurance Corporation XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : XXXX XXXX XXXX CC : Federal Trade Commission XXXX : State Regulatory agency XXXX : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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My name is XXXX XXXX. I am writing to inform you about my recent disputes with the 3 major bureaus, XXXX, Equifax & XXXX and their violation of In reference to INACCURATE/UNVERIFIABLE ACCOUNTS and potential Violation of FCRA Section 623 US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C No. 95-cv-01743 ) .. I am aware that under the Fair Credit Reporting Act, the bureaus are required to maintain maximum accuracy, and that inaccurate, incomplete or unverifiable information if challenged must be corrected or deleted. Upon looking over my reports, I was shocked to discover there were a lot of discrepancies/inconsistencies I came across which I find disturbing. I sent them an affidavit requesting demand that they please verify validity of any claim in full INCLUDING but not limited to their requirement to certify the factual compliance of reporting process ( es ) and the mandated Metro 2 Data Field Format standard of lawful ethical reporting as is related to any alleged and demonstrated document evidence of physically verifiable truth of claim, correctness of claim, timeliness of claim, ownership and responsibility of claim 's negativity, or proof of undoubtable validity of claim 's negativity else wise exactly as reported. Document the CERTIFIED COMPLIANT REPORTING of factually proven claim 's of negativity or else eradicate claim today, even RIGHT NOW! All information they have on my file which according to 15 USC 1681g ( a ) ( 1 ) they are required to " accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request ''. I have done a bit of due diligence and discovered that according to Collins vs Equifax " all information in the consumer 's file '' is distinctly different from a credit report, and so it contains far more information than a mere credit report. What bothers me is that they did not respond with any documentation whatsoever.
Moreover, there are accounts on my reports that have not been verified properly according to the FCRA principles of protecting me from misinformation. According to XXXX XXXX XXXX XXXX, verification is defined as " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' and also, " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' Even the FCRA mentions under the definitions section ( 15 USC 1681 ( a ) ( l ) that verification involves, " information in the consumers application ''. The bureaus failed to produce any kind of documentation that would justify verification as defined by XXXX XXXX XXXX XXXX
Also, I discovered inquiries that have no contracts on file that are still listed on my credit reports, nor was there any proof that the permissible purpose was certified in accordance with 15 USC 1681e which states how the bureaus are required to have reasonable procedures for the permissible purpose of inquiries and these procedures involve, " that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. The bureaus failed to provide me any shred of evidence that they are in fact maintaining such procedures of ensuring that creditors did in fact certify the permissible purpose. Again, they failed to produce any kind of documentation in my consumer file.
In short, I have not received any hard evidence from Equifax, XXXX and XXXX showing that these accounts and inquiries are valid and that they are even following the requisite federally mandated " reasonable procedures ''.
Clearly, according to the FCRA these items must be removed from my credit report by law because it is known as misinformation and literally unverified information.
Additionally, there are collection accounts on my reports yet I never agreed to do business with these companies whom I have no contractual obligation to do business with. They also somehow got my address, my date of birth, my social security number and even created a fictitious account in my name without my consent! Isn't this how fraud is committed?
I did not give express permission for my personal information to be in the hands of any third party agencies that I have never even heard of and are asking for payment and send threatening letters to my domicile. Moreover, in doing my due diligence, I discovered that 31 State attorney generals entered into an agreement with the credit bureaus titled, " Assurance of Voluntary Compliance / Assurance of Voluntary Discontinuance '' and in this document on page 12, it states, " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ''. Similarly, on the same page it also goes on to state, " The CRAs shall implement a process designed to effectively remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay ''. Once again, the bureaus did not produce any documentation proving the legitimacy of these fictitious accounts which I assert did not arise from any contract or agreement to pay them.
I sent the 3 agencies an AFFIDAVIT OF TRUTH OF INCONSISTENCIES IN CREDIT REPORTS and the nature of my claim ( see 42 USC 1983 popularly known as Section 1983, or Section 1983 of Title 42 of the U.S Code part of civil rights act of 1871 ). XXXX, XXXX and Equifax must thoroughly abide by the FCRA before making a counter Affidavit, this is a lawful notice. It means what it says and says what it means. See 10 Maxims of Commercial Law, # 5 AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE.
# 6 AN UNREBUTTED AFFIDAVIT BECOMES JUDGEMENT IN COMMERCE.
I have sent this letter to you because the credit bureaus are engaging in what the FTC Act calls " unfair or deceptive acts or practices in or affecting commerce. '' None of the XXXX bureaus rebutted my affidavit of truth point by point. Moreover, none of them provided me any kind of documentation as required under 15 USC 1681g ( a ) ( 1 ), and as a result none of them verified with actual documentation! They are in default and I have sent them a notice of their default. The attached documents are proof of what I have sent the XXXX major bureaus.
Hopefully we can lawfully take care of this issue and peacefully resolve the disturbing information that is on my reports.
Fraud is any kind of artifice employed by one person to deceive another. Goldstein v Equitable Life Assur. Soc. Of U.s misc Thank you XXXX XXXX XXXX prejudice P.S. Please attached letters as proof DATED XX/XX/XXXX
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06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I AM NOT A CREDIT REPAIR COMPANY SO PLEASE DON'T TRY THAT BS WITH ME. REMOVE THIS BULL IMMEDIATELY.
TO WHOOM IT MAY CONERN, I RECEIVED AN ALERT NOTIFYING THAT AN ACCOUNT WAS OPENED WITH TROPICAL FINANCIAL. I NOTIFIED THE CREDITOR AND COME TO FIND OUT THAT THE ACCOUNT WAS OPENED FRAUDULENTLY. I WAS TOLD THAT THE ACCOUNT WAS TO BE REMOVED PERMANENTLY AND IMMEDIATELY BUT IT HAS BEEN MORE THAN 2 YEARS AND NO RESPONSE BACK FROM EQUIFAX. I BELEIVED THAT THE ACCOUNT WAS REMOVED AND PLACED BACK ONTO MY CONSUMER REPORT. ACCORDING TO 15 US CODE 602 CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( ii ) the consumer has authorized in writing ( which authoriza- tion may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( b ) Notification. A consumer reporting agency shall promptly notify the fur- nisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
607 Compliance procedures [ 15 U.S.C. 1681e ] a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec- tion 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title.
( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
616 civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ment imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance. Any person who obtains a con- sumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
( c ) Attorneys fees. Upon a finding by the court that an unsuccessful plead- ing, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the fail- ure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this sec- tion was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.
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04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
This is a new complaint PER THE EMAIL THAT WAS SENT TO ME on XX/XX/XXXX from EQUIFAX BREACH SETTLEMENT Today I got an email from XXXXequifaxbreachsettlement.com Subject : Your Equifax Settlement Claim is Incomplete ( You Must Act or Your Claim Will Be Denied ) Your Claim Number : XXXX Dear XXXX A XXXX : You filed a claim in the Equifax Data Breach Settlement. To be a Settlement Class Member you must have been one of the approximately XXXX XXXX U.S. consumers identified by Equifax whose personal information was impacted by the Data Breach that Equifax announced in XXXX of XXXX. However, according to Equifaxs records, you are not a member of the Settlement Class and are not eligible for Settlement benefits.
If you believe this determination was incorrect, you must provide proof of Class membership. This could include providing confirmation of a previous name you used or the email address where you received Settlement Notice so that we can attempt to locate you in our records.
You must provide proof of Class Membership by XX/XX/XXXX.
If you do not, your claim will be denied without further communication from the Settlement Administrator.
To submit proof of Class Membership, click here.
You can also submit proof of Class Membership by mail postmarked by XX/XX/XXXX. Please make sure to include your full name, mailing address, and Claim Number ( provided above ) and mail it to : Equifax Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX For more information about the Settlement, please visit the Settlement Website at www.EquifaxBreachSettlement.com.
This notice is from the Court-appointed Settlement Administrator ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact XXXX by email at XXXXEquifaxBreachSettlement.com, by phone toll-free at XXXX, or by mail at Equifax Data Breach Settlement , c/o XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX .
Equifax Debt Settlement is violating laws and defaming my character which has caused me alot of damages : The XXXX XXXX XXXX XXXX XXXX Police Department also has my information on Police Report on file from my being a victim of Equifax I have attached court records verifying I am a verified victim of the Equifax Data Breach of XXXX. All my personal information was stolen and compromised.
I have attached Identity Theft Report and Police Report TwXXXX crimes happened : 1. Cyber XXXX took my info from 2. Equifax, Equifax Data Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) I was mislead as a consumer ( UDAAP ) this was the law that was broken Cyber XXXX with Equifax Identity Theft with Equifax on XX/XX/XXXX In XX/XX/XXXX, Equifax announced that it had been the victim of a criminal cyberattack on its systems. The attackers gained unauthorized access to the personal information of approximately XXXX XXXX U.S. consumers. This information included peoples names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers, credit card numbers, or other personal information.
I was mislead as a consumer ( UDAAP ) this was the law that was broken that allows me to have {$20000.00} paid to me due to the Equifax Data Breach. I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : XXXXequifaxbreachsettlement.comXXXX In re Equifax Data Breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Equifax Claim Number XXXX - claim was received on XX/XX/XXXX I was mislead as a consumer ( UDAAP ) this was the law that was broken that allows me to have {$20000.00} paid to me due to the Equifax Data Breach.
I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : XXXXequifaxbreachsettlement.comXXXX In re Equifax Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXXSection 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. It is also my understanding that Under the U.S.C. 1681, ever single one even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations Identity Stolen Denied EIDL AND PPP lost XXXX due to XXXX credit reporting Denied Unemployment Denied forbearance on school loans Had to pay more for car insurance Had to spend extra money due to suffering and had to have medical treatment due to stress, anxiety, XXXX XXXX, XXXX XXXX, and XXXX XXXX and breathing heavy after I found out I was affected and my personal info had been compromised and or stolen from Equifax.
I was denied mortgages Charged a higher deposit on home rentals Could not finance a vehicle Everything will have to be logged Screenshots of every time I order a credit report Copies of mail Phone calls to credit bureau ( logged ) Notarized affidavit of truth Dr appt for XXXX XXXX Identity Theft ( Notarized ) Police Report Refusals for PPP and loans Refused for jobs and credit applications Turned down for mortgage or credit Talked to counselor for stress ( receipts or proof ) Massage ( receipt ) tense due to you being a victim of your stuff stolen I have already sent via certified mail with tracking # the following and sent to Equifax Breach Settlement # I spent {$100.00} My priority mail packaging, box and weigh was XXXX Receipt attached Police Report FTC Report Notarized Identity Theft Affadavit Notarized Affadavit of Truth My ID Equifax Claim # Court Orders ( 2 ) UDAAP FCRA report This new complaint will also be sent to Georgia Attorney General, XXXX, and other federal entitites so that it is tracked as evidence and that the EQUIFAX DATA BREACH SETTLEMENT is not in compliance with the Judge 's mandatory court order and if my rights continue to being violated and they continue to break the law, I will be forced to take legal actions for actual damages when there has been negligent noncompliance. " Compensatory damages AND Punitive damages. '' Governing Law. This Letter of Intent shall be governed under the laws of the State of Georgia.
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03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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|
Web |
Servicemember |
Good Day, My name is XXXX XXXX XXXX XXXX am writing this complaint personally with the help of the FCRA XXXX and the FACTS ACT and any other reasource availabe to me wich is my right to do so .The FCRA affords XXXX CRA, S a period of 30 days for their investigation, so 30days from the date of submittal is what they get they do not get and extension to 60 just because they are answering a complaint answered on the cfpb website, had they attempted to fix in on their own platform we would not be here in the first place. According to the fcra they get 30 days so any more will be considered a stall tactic and looked at as what it will be a negligine violation of the fcrs and goverened laws put in place to protect consumers from the predatory nature of the CRA.S.
My complaint is on Equifax I have reached out to them on numerous occasions only to be told that there is NO department that can help me, they have even stated on a recorded line that they agree with me that this should not be At aproxamatly the month earlier from today my credit score was XXXX with equifax and is currently a XXXX ( verified today ) and if you were to deserve this score wich previously in my life i did but not know how in under a month do you go from a XXXX to XXXX and you have : No late payments on any accounts ( past or present ) No Hospital bills No Bankruptcy No Collections How do you go from a XXXX to a XXXX when your history wioth every single file on your credit report is exceptional and i have reached out to equifax several times explaining that this has cost me financially and that something must be done, and have been told every time that they can not even put me in touch with someone from any department because there is no onew that can help me that i just have to wait the glitch out and it will eventually work its self out!!!!! That was their responce even when i explained to them that this is right at this very second costing me money, and when asked who will reimberse me the money i am losing because someone should have to, they once again stated that they were very sorry but there is nothing they can do for me.
Every employee i have spoke to over the phone has openly admitted that my scpre is incorrect.So i ask this and if i need the FTC, XXXX OR EVEN @ whitehouse to answer this question i will escallate this claim to that level no problem when i am wrong, i am wrong i take my lumps and keep it moving. But I can not and will not accept punishment financially when undeserving.!!!!!
*How do you go from XXXX to XXXX with no negitives on youor credit report at all?
*How does the multi billion dollar company in charge of issuing me my personal credit score unjustly give me a terrible score and then tell me there is nothing they can do to help!?
* how does this credit bureau not have a way to fix my score * why does a cra advise me to hire a credit advisor to try to correct their wrong Why does the CRA say no to compensating you if you hire someone that you have been adivised by them to hire to fix their mistake?
*why when the consumer makes a mistake it is the most draatic shamed event i their financial history we lose money, aquire fines, sanctionsw dissconections or repossesions but if a CRA causes these things thatthey are not help financially and morally?
Why does the cfpb stand by and literally do notthiing to help XXXXI asked the cfpb to honor my request for compensation previously and the cfpb actually let the CRA XXXX if it was going to pay the violation ( like what in the XXXX kind of XXXX is that???
So cfpb I am asking you that you force the CRA_equifax to fix my score and I also act that you make them pay for the violation of my fightz, and pay for the amount of monies that i have lost during the month that they have refused to look into my score This is 100 % unjust Equifax there is something or someon that you can contact and could have some time ago.Your stall tactics of not correcting my score have gone on long enough I am complaining here because at least here i have record making you aware on yet another platform so there is no denying me reaching out i have also documented each phone call and the represenitive i spoke with that told me that yes my score is incorrect something must be done immedatly or i have no choice to go public with this so that the others that this must be happening to can get togethere because numbers look way better for us as a group in the press than XXXX man XXXXI will also be speaking with an attorney and this may be in fact a slip up but it is one that no one cares enough to make haste and fix .I sternly attest that this is my life not just a file that you can look at or fix when you get around to it .In the life im living every day when im caring for mt XXXX son and my, high spirited little girl there are conqequensisthat i am handed for your XXXX poor job performace or personal regaurd for the consumers .I was in a wreck yesterday and with your currewnt evaluation of my credit worthiness no one will let me finance a new car, because of you credit score i do not qualify and i have worked =so hard to get what i got and achieve that XXXX for you to do what you all have done is devistatin to my family how do i gert to my kids to school or my son to the doc or myself to work how do i continue to pay your subscription fee? how do i do those things with a XXXX credit score you chose to give me that is not my actual . so i cant work cant go buy groceries can do XXXX appointments can take kids to school cant go to church cant take elderly grand mother to XXXX XXXX do any of these things because of this XXXX and that makes me unable to buy a vechile because of what you have done to me if i cant get aNOTHER CAR BECAUSAE OF WHAT YOU HAVE DONE WITH MY SCORE I WILL LOSE EVERYTHING I HAVE WORKED FOR ENTIRE LIFE.THIS IS THE WORST THING YOU CAN DO TO A FAM ILY FIX IMMEDIATLY OR I AM GOING TO SUE EQUIFAX AND I WILL SUE THE CFPB AS WELL BECAUSE I CHECK YOU ARE LIABALE FOR SUITE IF YOU ARE INFORMED OF A WRONG AND DO NOT REPORT OR DO SOMETHING SO YOUR UMBRELLA OF PROTETCTION IS GONE IF YOU DONT DO SOMETHING TO BRING THIS THE LIGHT ALSO I WILL ATTATCH SCREENSHOTS OF THEIR SUBSCRIPTION BASED APP AND THEIR SHEER CONTRADICTION AND THE SECTION OF WHATS HELPING YOUR CREDIT OR WHATS HURTING IN ONE DENTANCE THEY SAY ONE THING IS HURTING AND THE THE FOLLOWING SENTANCE THEY SAY THAT SAME THING IS HELPING MY CREDIT HOW CAN SOMETHING BE HELPING AND HURTING AT THE SAME TIME WITH AVDISE LIKE THAT HOW CAN YOU MONITOR YOUR CREDIT EVEN THOUGH YOUR PAYING THEM FOR THIS PRODUCT i WILL SHOW PICS OF WHERE IN THE YEAR IVE BEEN PAYING I HAVENT BEEN ABLE TO GEWT MY SCORE WAS TOLD THEY WOULD FIX IT BUT HAVE NEVER DONE ANYTHING BUT MORE THAN ANYTHING INEED NO I DEMAND THEY FIX MY CREDIT SCORE
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12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I am trying to get information that you refuse to send. I have a dispute in place here for my business XXXX XXXX but I also have XXXX personal cards that you closed at the same time XX/XX/XXXX. Since XXXX I have been on restricted view unable to see my accounts. I am a paperless customer and you have never sent my statements via USPS.You have blocked me altogether from entering through the app or your online banking portal. This is wrong. You closed all XXXX of my accounts while being paid as agreed and never late. That was in XX/XX/XXXX. When asked why you closed my accounts I was told too many bounced payments. When I asked you to go verify that of course knowing it was wrong I then was told I opened too many disputes. I opened XXXX dispute on my XXXX XXXX and that was at the end of XX/XX/XXXX and by XX/XX/XXXX the money was refunded to me and you took your provisional money back. A well executed text book handled dispute. The Company was Spoiled XXXX. I have tried to explain my thoughts on the disputes that were opened by YOU. XX/XX/XXXX at around XXXX I was siting with the watch commander of the XXXX XXXX My computer had been hacked and the money in my personal account had been turned into crypto currency. While filling out the police report he suggested I call the furnishers of credit. Being that i put all my eggs in one basket and had both my personal and business cards with only XXXX XXXX I phoned as a courtesy and shared what transpired I also made it very clear that none of my cards had been affected. But thought you should know on the off chance something did transpire. From that 4 minute phone call all XXXX broke loose. It wouldn't be until XXXX and my vendors were reaching out and saying they were not going to be paid. XXXX said your financial instituton has begun chargebacks and disputes. Now if I had a dispute and it was through XXXX I would have them dispute the charge I would take care of that I would not expect that you would go to XXXX on my behalf and without me knowing but that is what you did. XXXX could not close the disputes that had to come through you. And even thought i phoned and asked how this started and to stop it you continued right on going. What this did was force me to pay those people places and things by other means. Which is what I have done. You Executive team sent me a letter saying that they did not open disputes and no charge backs occurred. That is not true or correct. Many of the things the Executive Team had in their letter was wrong. Dates, what transpired and when it transpired. They even said that in XXXX when they finally realized an in-house mistake was made that you opened up my XXXX accounts again. That is not true of correct either.What you did was close my accounts and within 24 hours you had reported my accounts closed to all three credit bureaus. My FICO went from XXXX to XXXX overnight. I lost a parent loan for my XXXX XXXX, I was turned down by creditors, my credit limits lowered on my XXXX card and you left me unable to secure another XXXX. And to date I am unable to secure any credit. You took my good credit and you ruined it overnight. Your Executive Team seems to think they fixed the incorrect reporting with all three bureaus. Or, at least thats what a letter says. I was on the phone with each CRA yesterday and not a single person at XXXX XXXX has made the attempt to fix what was ruined by you. In fact there are not many things that you have gotten right with this. Your letter states dates and time when you think things occurred and you are very wrong. You have tried to twist this and turn it into a me problem.When it's a you problem. I have been fighting this for a year and my last letter to you like all the others sent before it, has been sent certified mail USPS. My last letter to you was XX/XX/XXXX. My last call 7 days ago. I have been sent to collections for my XXXX XXXX but after showing the collection agency my paperwork they sent me back to you. Why?? because there is nothing to collect on. My XXXX personal cards are the same. but I cant seem to find where they are. You have refused to send me statements, you have refused to pull the restricted view on my accounts and I have no clue how I am supposed to see whats going on when you don't want me to? That is clear. I have noticed for the 4 days I was allowed into the app in XXXX things did not look the same. When I brought that to the powers that be I was closed out once again and never allowed to enter the system again. I have sent you proof of the people places and things being paid I have asked you for every statement on both personal accounts and proof that I owe. To date I have never received either. I have sent the CEO of XXXX XXXX and the VP of Fraud many emails with the attachments that you were sent via USPS. And I know that both are opening my emails I have a tracker I know that when the letter arrived it mentioned me reaching out the the CEO so I know my attachments are there.. You have gone way past the XXXX billing cycles getting me the answers and my proof. You run on XXXXXXXX XXXX time. I have asked you to post my store returns where the original source of payment has been credited and what did you do about that?? You sent me dispute paperwork. The dispute is with you not with XXXX or XXXX. I have given you the return transaction numbers, along with the dates. And nothing changes.The mistakes are endless .You have only issued to me XXXX XXXX XXXX credit cards one XXXX ending in # XXXX and XXXX personal # XXXX and # XXXX. So why are there charges on other card numbers I have never activated or used? You have never reopened any of the accounts like your letter states You have never cleaned up my credit like you letter states. But you need to do this now. You have failed to follow the Credit Card laws and I am really suffering because of your endless lies. Do you know that there is a number you posted on all three of the CRA stating that if a future creditor wanted to find out why you had closed my accounts in good standing they could call you. I called and what you said about me was taped but also not true. I would like you to put the store credit where they belong put all my payments onto the accounts where they belong credit the money I paid to the people and places you refused to. and then send me a copy of all the statements. I can tell you know if you do this correctly you will owe me money at the end. I have sent you a few credits that should be posted as well as chargebacks ruled in my favor I have sent you the dispute form you sent me when I asked you to post XXXX credit and you made it a new charge. I have sent you copies of the original payments made and of course you have been sent everything numerous times its too much to post it all here.
|
01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
2. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
3. Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
4. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
5. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
6. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
7. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
8. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
9. XXXX XXXX SC Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
10XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
11. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
12. Account NumbeXXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
13. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
|
08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of consumer protection laws that have significantly impacted my financial well-being. I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take prompt action to enforce the relevant legal provisions and rectify the injustices I have endured.
The violations I am reporting involve unauthorized credit inquiries, inaccurate personal information, and questionable account details on my credit report. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and related regulations.
The following are the specific violations I have identified : Inaccurate Personal Information : Violation : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, creditors are required to report accurate and up-to-date information. The incorrect addresses listed on my credit report violate this provision.
Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Unauthorized Credit Pulls : Violation : Section 604 of the FCRA stipulates that a credit inquiry requires consumer consent. Unauthorized credit inquiries violate this provision.
Affected Accounts : XXXX XXXX XXXXXXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXXXXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Questionable Account Information : Violation : Unclear or questionable account details listed on my credit report may be in violation of the FCRA 's requirement for accurate and complete reporting under Section 623 ( a ) ( 1 ).
Affected Account : AUTO NOW FINANCIAL SER : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
I would like to share a deeply personal story that underscores the impact of these violations on my life. As I embarked on the journey of securing a mortgage for my family 's future home, the inaccuracies and unauthorized inquiries on my credit report resulted in a devastating denial. This event shattered my aspirations of providing stability and security for my loved ones, causing immense emotional distress and anxiety.
I urge the CFPB to act on my behalf to address these violations and uphold the principles outlined in the FCRA. I request that you investigate these matters thoroughly and take the necessary steps to ensure : The immediate removal of inaccurate personal information from my credit report.
The expeditious removal of all unauthorized credit inquiries.
The thorough verification and clarification of questionable account information, or its removal if unverifiable.
In conclusion, I implore the CFPB to stand by its mission to safeguard consumer rights and promote fair treatment within the financial sector. The violations I have endured have not only disrupted my financial well-being but have also inflicted profound emotional distress. I eagerly await your response outlining the actions taken to address these violations and restore justice to my situation.
Thank you for your attention to this matter. I anticipate a timely response to this formal complaint.
Sincerely, XXXX XXXX
|
09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Re : Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XXXX. While checking the above report, it came to my notice that your Company has furnished accounts on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you.
I never gave you permission to steal and sale my private information other third parties inn which you have violated my Natural born rights. Under the Fair Credit Reporting Act i have the right to privacy which you didn't give a XXXX about and you're continuing to profit off my name and private information.
15 U.S.C. 1681 section 602 A. states I have the right to privacy.
15 U.S.C. 1681 section 602 A section 2 : I t also states a consumer reporting agency can not furnish an account without written instructions. I want you to send me any contract with my signature saying I gave you permission.
15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I have reasonable cause to believe that XXXX fraudulently furnished my nonpublic personal information to a non affiliated third party. As the fiduciary XXXX had an obligation to protect the security and confidentiality of my nonpublic personal information. I'm aware per 15 U.S. Code 6801 - Protection of nonpublic personal information, The Sherman Antitrust Act of XXXX ( 26 Stat. 209, 15 U.S.C. 1 7, The Racketeer Influenced and Corrupt Organizations ( RICO ) Act that I should have received an explanation on how to opt out of having my nonpublic personal information disclosed to a non affiliated third party. I have not received such explanation. I have reasonable cause to believe that XXXX has omitted information required by law to disclose as an attempt to bring harm to me and my financial reputation. I have reasonable cause to believe that this has been done in forethought and malice. I have reasonable cause to believe XXXX has not acted in good faith. XXXX has fraudulently furnished negative information to a non affiliated third party without my lawful consent. Do to the non disclosure do to the known fact of any implied acquiescence would render a contract illegal. I have reasonable cause to believe that the CRA 's have not conducted any reasonable investigation due to the unjust enrichment received. This conspiracy against my rights is a violation of the Sherman Antitrust Act and is causing a restraint of commerce or trade due to the punishment for the non repayment of an extension of credit. I have reasonable cause to believe that this was done to coerce payments under duress. If one side receives consideration the contract is not lawfully binding and illegal under The Sherman Antitrust Act of XXXX ( 26 Stat. 209, 15 U.S.C. 1 -7. No contract can make me give up my constitutional rights. XXXX never gave me a contract to verify the alleged debt. XXXX has 14 days to remove the all my information or give the consumer a contract with a signature.
XXXX have been committing fraud, identify theft and long term racketeering along side of banks and third party companies they are using as shark debt collection agencies. XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax and XXXX. I did not grant XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. The bankruptcy was filed during a time in my life of struggle, medical issues, and mental anguish. I was improperly advised by attorneys, and I am currently in litigation. I have sustained further emotional and psychological damages because of XXXX unfair and deceptive practices. I am rebuilding my life, but XXXX willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. I have suffered much emotion and mental damage and distress due to this ongoing disproportionate and disgusting behavior.
It is my undoubted belief that due to XXXX 's business relationship with the consumer reporting agencies, ( such as XXXX, Equifax, XXXX ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.
As the consumer and natural person, I am invoking specified remedy and make the following demands : - Provide a complete and updated consumer file for XXXX XXXX as assembled by XXXX.
- Provide acknowledgment of this official notification that I am opting out of your reporting. Do not report ANY information bearing my identification- Delete all my information immediately.
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Thank you for your cooperation Sincerely Name XXXX XXXX
|
09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
XXXX, Equifax, and XXXX continue to report inaccurate information on my consumer report. The account information for XXXX XXXX XXXX XXXX has not been properly verified.
Account # : XXXX XXXX XXXXBureau Code : Individual Terminated Individual Account Status : Closed Closed OpenDate Opened : XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$28000.00} {$0.00} {$28000.00} High Credit : {$29000.00} {$29000.00} $ XXXXLast Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Consumer disputes- reinvestigation in progress Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
|
08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. I am writing to formally dispute several credit reporting violations that have severely impacted my financial well-being and overall quality of life. I kindly request your assistance in enforcing the appropriate legal measures to rectify these violations and alleviate the significant distress they have caused.
I have identified multiple violations that have taken place under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations have stemmed from unauthorized credit pulls, inaccurate reporting of account information, questionable account details, and the presence of incorrect personal information on my credit report. These violations, along with their corresponding account information and relevant legal provisions, are outlined as follows : Unauthorized Credit Pulls : XACTUS | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized Credit Pull Relevant Law : FCRA, Section 604 and 605 XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized Credit Pull Relevant Law : FCRA, Section 604 and 605 Inaccurate Reporting : XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate Reporting Relevant Law : FCRA, Section 611 and 623 Questionable Account Information : XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violation : Questionable Account Information Relevant Law : FDCPA or FCRA, Sections 805, 808, 611, and 623 SYNCB/GAP Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violation : Questionable Account Information Relevant Law : FDCPA or FCRA, Sections 805, 808, 611, and 623 Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX This address belongs to someone else. Delete it from my report immediately.
Violation : Incorrect Personal Information Relevant Law : FCRA, Section XXXX XXXX XXXX XXXX AZ XXXX This address belongs to someone else. Delete it from my report immediately.
Violation : Incorrect Personal Information Relevant Law : FCRA, Section 607 These violations have not only tarnished my credit history but have also caused immense emotional distress, financial strain, and hindered my ability to secure crucial loans and financial opportunities. I would like to share a deeply personal story of how these violations have adversely impacted my life.
In light of these violations and the considerable toll they have taken on my life, I earnestly request the following actions to be taken : Enforcement of Legal Measures : I implore you to enforce the relevant legal provisions to address the violations committed by the creditors listed above.
Investigation and Verification : I request a thorough investigation into the accuracy and legality of the information reported by the creditors in question.
Removal of Unverified Accounts : I insist that the creditors promptly remove the unverified accounts listed above from my credit report.
I believe that my situation warrants immediate attention and resolution. These violations have caused substantial harm, and I am relying on the Consumer Financial Protection Bureau to ensure that justice is served and my rights as a consumer are upheld.
Thank you for your time, attention, and consideration of my dispute. I trust that you will take the necessary steps to rectify these violations and help me regain control over my financial standing. I look forward to your prompt response and the resolution of these issues.
Sincerely, XXXX XXXX XXXX
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08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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When I went to the car rental place, I pulled out my wallet to give them my Identification and when I noticed it wasn't there. I left to go back home to check if I could have left my personal information there which I never really do but I still checked anyway to find out nothing was there neither. I then started to wonder if somebody could have stolen my information so I checked my credit report and noticed a lot of hard inquires reporting that are unauthorized without my knowledge. I filed a police report and not coming to cfpb to get this matter fixed. I reached out to the credit bureaus and they treated me very poorly and I will make sure I go public about the unprofessional services because they chose not to hear me out. I listed below all the accounts that's reporting on my credit report without my authorization : XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$680.00} {$680.00} {$680.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$27000.00} {$27000.00} {$27000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$28000.00} {$28000.00} {$28000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$1300.00} {$1300.00} {$1300.00} Payment Status : Late 60 Days Late 60 Days Late 60 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Auto Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational - Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$96.00} {$96.00} {$96.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Consumer disputes after resolution Closed or paid account/XXXX balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code XXXX Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$6200.00} {$6200.00} {$6200.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$16000.00} {$16000.00} {$16000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$6200.00} {$6200.00} {$6200.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor.
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan - Bureau Code : Individual Individual Individual Account Status : Derogatory Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$5000.00} {$5000.00} {$5200.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance.
Account legally paid in full for less than the full balance.
Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Equifax has has changed my report every 3 to 4 on the same days on the same issues causing my credit score to drop over XXXX points every 3-4 days. XXXX XXXX XXXX originally reported to Equifax in the beginning of XX/XX/2023 that my credit cards were closed they should be able to go back into my account and see this.1 ) They are now reporting that my accounts were closed in XX/XX/2023. They need to go back to the Original Date that XXXX XXXX XXXX first Reported my accounts Closed in XX/XX/2023. 2 ) Equifax has my complete payment history available for the whole world to see. This is an invasion of my privacy rights. They are able to keep thing confidential and this is something that should be confidential. They reveal very private info to defame my character in a particular way. XXXX is providing Fraudulent information to the Credit Bureau about when my account was closed after I contacted the CFPB and Equifax is helping cover it up. I want All my Private Payments History Removed from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Every time I disputed what Equifax reported they dropped my credit score on the same thing that they had already dropped it previously about. As you can multiple disputes for XXXX, XXXX, XXXX XXXX and XXXX. Equifax would go back into the same problem and lower my score for the same thing multiple times but never correcting their Errors made.
1 ) I want All of my Personal payment history to be Removed and kept Confidential on All Accounts.
2 ) I want Equifax to Correct the Original Date XXXX Reported my account closed or I will seek an Attorney for Legal Assistance.
3 ) I want my credit score to be Adjusted back to my previous score of XXXX in the Beginning of XXXX.
4 ) I want ALL Negative Reports Removed from From Equifax for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and All that was effected by the chain reaction of this event.
XXXX caused my credit score to drop and my other credit card companys dropped my credit line balance because my score dropped suddenly over XXXX points. This is my Life at State Here.
5 ) I want a Letter of Apology sent to me for the multiple errors and the man handling of my accounts.
XXXX XXXX XXXXXXXX dropped my credit line down to my balance owed after I pulled money out of my account to pay for my hospital bills, out of pocket charges for my medical insurance and copayments. I have been dealing with a medical condition for the past 2 yrs while still keeping Good standing with All of my card carriers until XXXX XXXX XXXX XXXX. I havent received any information from XXXX I found out that they closed my accounts through my credit monitoring service and I contacted them and they confirmed my accounts closed in XXXX.
1 ) I want a Letter of Apology for the Errors made against me and Fraudulent accusations that I stopped making payments in XXXX when I couldnt because XXXX Closed Both of my Credit cards. I want XXXX to have All Their records restricted from Equifax starting from XX/XX/2023 to the present date.
2 ) I want XXXX XXXX XXXX to Restore my Equifax, XXXX XXXX, and XXXX Credit Score back to XXXX at the end of XX/XX/2023. This was XXXX Fault and Error.
3 ) I was a loyal customer to XXXX XXXX XXXX for 14 years and this is how they handled me in my time of Hardship. XXXX XXXX XXXX needs to Correct this problem ASAP.
If Equifax never received information from XXXX XXXX XXXXXXXX about my credit line was lowed or revoked and the my accounts were Closed by XXXX until this month of XX/XX/2023.
Explain what caused Equifax to drop my credit score over XXXX points in XXXX weeks by their credit score procedures. I want documentation of their credit score procedures dealing with accounts reported as revoked and closed vs accounts reported as delinquent. I am sure there is a scoring difference between the two. And as Evidence how my score plummeted in XXXX from XXXX. I stopped making payments in XXXX because XXXX had Closed my credit cards and and sent my account to collections to negotiate a payoff. Only After XXXX XXXX XXXX made their horrific mistake I looked for assistance. From XX/XX/XXXX to XX/XX/2023 my credit score went from XXXX to XXXX which disqualified me for Loan consolidations services. XXXX also reported me as filing Bankruptcy. When I never told them I filed that. I filed a National Debt Relief Plan XXXX XXXX XXXX Put in place by XXXX XXXX as a type of loan relief for credit card interest sky rocketing.
I have filed Multiple Disputes with Equifax about the Fair Credit Reporting in which XXXX and Equifax are violating my rights.
A ) Inaccuracies must be corrected or removed If you have found inaccuracies and disputed them to the consumer reporting agency, they must either correct the inaccuracy or remove it within 30 days Equifax did not remove the inaccurate information they in return take my score down because of the multiple people touching my account.
XXXX XXXX XXXX is Fraudulently Reporting the Close Date as of XX/XX/2023. They originally reported it as XX/XX/2023 and this needs to be corrected. Equifax has the supporting documentation of the closed date as XX/XX/2023.
You may seek damages you have the right to sue a consumer reporting agency and, in some cases, the person that used the consumer reporting agency that violates the FCRA.
If this can not be resolved this time I will seek legal advice and assistance to take actions.
Equifax and XXXX XXXX XXXX are reporting Fraudulently and providing changing information.
I was never behind on my payments until XXXX XXXX XXXX Closed my credit cards and sent my accounts to collections to for a payoff thats why XXXX didnt get a payment in XXXX.
XXXX has missed up my life and my livelihood to provide for my family. Equifax and XXXX are washing each others back while causing a single mother defamation and slander of my character.
This is evidence in how many times they reposted my payment history attempting to paint a picture of me which is Bias and I may be racially motivated by the different people touching my account.
XXXX Customer Service Representative XXXX ID # XXXX confirmed Today XX/XX/2023 @ XXXX XXXX That Both of my credit cards were Closed on XX/XX/2023 my Birthday! All calls are recorded and documented. He transferred me to a Credit Analyst Representative XXXX ID # XXXX confirmed both card was Closed by XXXX on XX/XX/2023 Visa XXXX and XXXX XXXX. She has sent a copy of the original closed date letter to me from XXXX Records.
But Now XXXX XXXX XXXXXXXX and Equifax have changed backlogs and Falsified information.
If XXXX XXXX XXXXXXXX XXXX cant Resolve this Fully by what is Requested. I will resubmit again once my Letters are received.
Please be advised that today is XX/XX/2023 XXXX XXXX
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11/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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*** To start my dispute, I would like to make certain you have and only report up-to-date, accurate, verifiable, legitimate, true, and authorized information per Fair Credit Reporting Act regulations. I do not authorize Equifax to misreport any inaccurate or unverifiable information so please review my credit report and confirm your sufficient and full cooperation to the federal laws upon which oversees your business of reporting consumer credit reports.
I have provided a copy of my identification documents for you to verify my full name, current address, social security number, and date of birth. I do not have any other names, addresses, social security numbers, or date of births and I do not want any other personal information to be reported to prevent a credit merge or mistaken identity. If there is any other personal information being reported other than what I have provided, I am requesting you to delete it immediately.
This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) XXXX credit account ( XXXX ) reported by furnishers on my Equifax credit report. In the process of looking through my Equifax credit report, I found what clearly appears to be likely some unauthorized and or fraudulent credit inquiries and negative accounts which undoubtedly are ones deficient of the compliant proven permissible purpose supposedly made by the following companies : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX Card Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX Bank Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Bank Delaware Account XXXX : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX Card Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
I demand you to provide the required verifiable proof of permissible purpose confirming the legal authority to report such information or else complete a full deletion of the entire inaccurate & unverifiable information that is being reported on my Equifax credit report due to non-compliance of the Fair Credit Reporting Act.
As of today, there is no physical proof that I knowingly and agreed to authorize anyone working at the companies that I have mentioned above to report such information on my Equifax credit report on these specific dates. I am asking that you make these corrections now to relieve yourself from non-compliance of reporting standards to report the accurate status of certified XXXX XXXX compliant reporting moreover 100 % provable true, correct, complete, and timely reporting.
I am also requesting that the companies above mail me a copy of my signed authorization that gave them the right to view and report information to my credit report within five business days so that I can validate what is being reported. If they can not do so, then they will clearly be violating the Fair Credit Reporting Act which is why I am contacting you to help me with this.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last XXXX of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
|
09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing to inform you about my recent disputes with the 3 major bureaus, XXXX, Equifax XXXX XXXX and their violation of In reference to INACCURATE/UNVERIFIABLE ACCOUNTS and potential Violation of FCRA Section 623 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX XXXX. XXXX ) .. I am aware that under the Fair Credit Reporting Act, the bureaus are required to maintain maximum accuracy, and that inaccurate, incomplete or unverifiable information if challenged must be corrected or deleted. Upon looking over my reports, I was shocked to discover there were a lot of discrepancies/inconsistencies I came across which I find disturbing. I sent them an affidavit requesting demand that they please verify validity of any claim in full INCLUDING but not limited to their requirement to certify the factual compliance of reporting process XXXX es ) and the mandated Metro 2 Data Field Format standard of lawful ethical reporting as is related to any alleged and demonstrated document evidence of physically verifiable truth of claim, correctness of claim, timeliness of claim, ownership and responsibility of claim 's negativity, or proof of undoubtable validity of claim 's negativity else wise exactly as reported. Document the CERTIFIED COMPLIANT REPORTING of factually proven claim 's of negativity or else eradicate claim today, even RIGHT NOW! All information they have on my file which according to 15 USC 1681g ( a ) ( 1 ) they are required to " accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request ''. I have done a bit of due diligence and discovered that according to XXXX XXXX Equifax " all information in the consumer 's file '' is distinctly different from a credit report, and so it contains far more information than a mere credit report. What bothers me is that they did not respond with any documentation whatsoever.
Moreover, there are accounts on my reports that have not been verified properly according to the FCRA principles of protecting me from misinformation. According to Black 's law dictionary, verification is defined as " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' and also, " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' Even the FCRA mentions under the definitions section ( 15 USC 1681 ( a ) ( l ) that verification involves, " information in the consumers application ''. The bureaus failed to produce any kind of documentation that would justify verification as defined by Black 's law dictionary.
Also, I discovered inquiries that have no contracts on file that are still listed on my credit reports, nor was there any proof that the permissible purpose was certified in accordance with 15 USC 1681e which states how the bureaus are required to have reasonable procedures for the permissible purpose of inquiries and these procedures involve, " that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. The bureaus failed to provide me any shred of evidence that they are in fact maintaining such procedures of ensuring that creditors did in fact certify the permissible purpose. Again, they failed to produce any kind of documentation in my consumer file.
In short, I have not received any hard evidence from Equifax, XXXX and XXXX showing that these accounts and inquiries are valid and that they are even following the requisite federally mandated " reasonable procedures ''.
Clearly, according to the FCRA these items must be removed from my credit report by law because it is known as misinformation and literally unverified information.
Additionally, there are collection accounts on my reports yet I never agreed to do business with these companies whom I have no contractual obligation to do business with. They also somehow got my address, my date of birth, my social security number and even created a fictitious account in my name without my consent! Isn't this how fraud is committed?
I did not give express permission for my personal information to be in the hands of any third party agencies that I have never even heard of and are asking for payment and send threatening letters to my domicile. Moreover, in doing my due diligence, I discovered that 31 State attorney generals entered into an agreement with the credit bureaus titled, " Assurance of Voluntary Compliance / Assurance of Voluntary Discontinuance '' and in this document on page 12, it states, " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ''. Similarly, on the same page it also goes on to state, " The CRAs shall implement a process designed to effectively remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay ''. Once again, the bureaus did not produce any documentation proving the legitimacy of these fictitious accounts which I assert did not arise from any contract or agreement to pay them.
I sent the 3 agencies an AFFIDAVIT OF TRUTH OF INCONSISTENCIES IN CREDIT REPORTS and the nature of my claim ( see 42 USC 1983 popularly known as Section 1983, or Section 1983 of Title 42 of the U.S Code part of civil rights act of 1871 ). XXXX, XXXX and Equifax must thoroughly abide by the FCRA before making a counter Affidavit, this is a lawful notice. It means what it says and says what it means. See XXXX Maxims of Commercial Law, # XXXX AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE.
# 6 AN UNREBUTTED AFFIDAVIT BECOMES JUDGEMENT IN COMMERCE.
I have sent this letter to you because the credit bureaus are engaging in what the FTC Act calls " unfair or deceptive acts or practices in or affecting commerce. '' None of the XXXX bureaus rebutted my affidavit of truth point by point. Moreover, none of them provided me any kind of documentation as required under 15 USC 1681g ( a ) ( 1 ), and as a result none of them verified with actual documentation! They are in default and I have sent them a notice of their default. The attached documents are proof of what I have sent the XXXX major bureaus.
Hopefully we can lawfully take care of this issue and peacefully resolve the disturbing information that is on my reports.
Fraud is any kind of artifice employed by one person to deceive another. XXXX v XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Thank you XXXX XXXX w/o prejudice P.S. Please attached letters as proof.
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09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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My name is XXXX XXXX. I am writing to inform you about my recent disputes with the 3 major bureaus, XXXX, Equifax & XXXX and their violation of In reference to INACCURATE/UNVERIFIABLE ACCOUNTS and potential Violation of FCRA Section 623 US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C No. 95-cv-01743 ) .. I am aware that under the Fair Credit Reporting Act, the bureaus are required to maintain maximum accuracy, and that inaccurate, incomplete or unverifiable information if challenged must be corrected or deleted. Upon looking over my reports, I was shocked to discover there were a lot of discrepancies/inconsistencies I came across which I find disturbing. I sent them an affidavit requesting demand that they please verify validity of any claim in full INCLUDING but not limited to their requirement to certify the factual compliance of reporting process ( es ) and the mandated Metro 2 Data Field Format standard of lawful ethical reporting as is related to any alleged and demonstrated document evidence of physically verifiable truth of claim, correctness of claim, timeliness of claim, ownership and responsibility of claim 's negativity, or proof of undoubtable validity of claim 's negativity else wise exactly as reported. Document the CERTIFIED COMPLIANT REPORTING of factually proven claim 's of negativity or else eradicate claim today, even RIGHT NOW! All information they have on my file which according to 15 USC 1681g ( a ) ( 1 ) they are required to " accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request ''. I have done a bit of due diligence and discovered that according to Collins vs Equifax " all information in the consumer 's file '' is distinctly different from a credit report, and so it contains far more information than a mere credit report. What bothers me is that they did not respond with any documentation whatsoever.
Moreover, there are accounts on my reports that have not been verified properly according to the FCRA principles of protecting me from misinformation. According to Black 's law dictionary, verification is defined as " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' and also, " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' Even the FCRA mentions under the definitions section ( 15 USC 1681 ( a ) ( l ) that verification involves, " information in the consumers application ''. The bureaus failed to produce any kind of documentation that would justify verification as defined by Black 's law dictionary.
Also, I discovered inquiries that have no contracts on file that are still listed on my credit reports, nor was there any proof that the permissible purpose was certified in accordance with 15 USC 1681e which states how the bureaus are required to have reasonable procedures for the permissible purpose of inquiries and these procedures involve, " that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. The bureaus failed to provide me any shred of evidence that they are in fact maintaining such procedures of ensuring that creditors did in fact certify the permissible purpose. Again, they failed to produce any kind of documentation in my consumer file.
In short, I have not received any hard evidence from Equifax, XXXX and XXXX showing that these accounts and inquiries are valid and that they are even following the requisite federally mandated " reasonable procedures ''.
Clearly, according to the FCRA these items must be removed from my credit report by law because it is known as misinformation and literally unverified information.
Additionally, there are collection accounts on my reports yet I never agreed to do business with these companies whom I have no contractual obligation to do business with. They also somehow got my address, my date of birth, my social security number and even created a fictitious account in my name without my consent! Isn't this how fraud is committed?
I did not give express permission for my personal information to be in the hands of any third party agencies that I have never even heard of and are asking for payment and send threatening letters to my domicile. Moreover, in doing my due diligence, I discovered that XXXX State attorney generals entered into an agreement with the credit bureaus titled, " Assurance of Voluntary Compliance / Assurance of Voluntary Discontinuance '' and in this document on page 12, it states, " The CRAs shall prohibit XXXX XXXX from reporting debt that did not arise from any contract or agreement to pay ''. Similarly, on the same page it also goes on to state, " The CRAs shall implement a process designed to effectively remove from the CRAs ' respective credit reporting databases any existing data reported by XXXX XXXX relating to the collection of debt that did not arise from a contract or agreement to pay ''. Once again, the bureaus did not produce any documentation proving the legitimacy of these fictitious accounts which I assert did not arise from any contract or agreement to pay them.
I sent the XXXX agencies an AFFIDAVIT OF TRUTH OF INCONSISTENCIES IN CREDIT REPORTS and the nature of my claim ( see 42 USC 1983 popularly known as Section 1983, or Section 1983 of Title 42 of the U.S Code part of civil rights act of 1871 ). XXXX, XXXX and Equifax must thoroughly abide by the FCRA before making a counter Affidavit, this is a lawful notice. It means what it says and says what it means. See 10 Maxims of Commercial Law, # 5 AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE.
# 6 AN UNREBUTTED AFFIDAVIT BECOMES JUDGEMENT IN COMMERCE.
I have sent this letter to you because the credit bureaus are engaging in what the FTC Act calls " unfair or deceptive acts or practices in or affecting commerce. '' None of the 3 bureaus rebutted my affidavit of truth point by point. Moreover, none of them provided me any kind of documentation as required under 15 USC 1681g ( a ) ( 1 ), and as a result none of them verified with actual documentation! They are in default and I have sent them a notice of their default. The attached documents are proof of what I have sent the 3 major bureaus.
Hopefully we can lawfully take care of this issue and peacefully resolve the disturbing information that is on my reports.
Fraud is any kind of artifice employed by one person to deceive another. Goldstein v Equitable Life Assur. Soc. Of U.s misc Thank you XXXX XXXX w/o prejudice P.S. Please attached letters as proof.
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02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Affidavit of truth : XXXX XXXX XXXX Statement of facts Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' congress said ANY card. The credit card used in this credit transaction was my social security number which is connected to my private treasury bond that allowed this finance charge to be possible. This is the credit card I used to originate every consumer credit transaction below. NO BANK LOANED ME ANYTHING DURING THIS CREDIT TRANSACTION ALL PAYMENT HISTORY AND TRANSACTIONS SHALL all be EXLCUDED from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you delete these UNAUTHORIZED Transactions from my CONSUMER REPORT immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history TOLD ME THEY DONT FALL UNDER GUIDELINES OF CFPB. YOU UNLAWFULLY USED AN ATTORNEY COLLECTION AGENCY TO COLLECT DEBT FROM AN. CONSUMER!
Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental stress, and XXXX. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party without my written consent to assume this obligation. XXXX XXXX FAILED TO REBUTTAL MY AFFIDAVIT WITH ALL OBLIGATIONS DENIED IN AFFIDAVIT FORM, THERE FOR JUDGMENT SHALL BE HELD IN FAVOR OF THE CONSUMER. THEY FAILED TO SEND ME XXXX ORIGINAL CONTRACT THAT THEY CLAIM THE NAME OF THE PERSON OR COMPANY WHO THEY SENT TO MY PRIVATE LOCATION WITHOUT CONSENT TO REPOSSESS MY VEHICLE I OWNED FROM A FINANCE CHARGE IN A CREDIT TRANSACTION. THIS WHOLE CONTRACT IS NULL AND VOID DUE TO NO EVIDENCE OF AN ALLEGED AGREEMENT THAT WAS REACHED. Pursuant to federal law finance charge is defined as ( b ) FINANCE CHARGE With respect to any sales transaction, any discount from the regular price offered by the seller for the purpose of inducing payment by cash, checks, or other means not involving the use of an open-end credit plan or a credit card shall not constitute a finance charge as determined under section 1605 of this title if such discount is offered to all prospective buyers and its availability is disclosed clearly and conspicuously Persuant to 1666f. 15 U.S. Code 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall- ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months.
THEREFOR ALL TRANSACTIONS SHALL BE RETURNED BACK TO ME 15 U.S. Code 8 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer ALL OF THIS HISTORY SHALL.BE REMOVED .AS A INFRINGEMENT UPON MY CONSUMER PRIVACY RIGHTS 15 U.S. Code 1666a - Regulation of credit reports ( a ) REPORTS BY CREDITOR ON OBLIGOR 's FAILURE TO PAY AMOUNT REGARDED AS BILLING ERROR After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay ( d ) RESTRICTING OR CLOSING BY CREDITOR OF ACCOUNT REGARDED BY OBLIGOR TO CONTAIN A BILLING ERROR Pursuant to regulations of the Bureau , a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error.
( b ) BILLING ERROR For the purpose of this section, a " billing error '' consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor.. Your company has failed to report fair and accurate information all 3 credit agencies have different information about this one account if its an closed by IRS LAW 1099c form shall be
made to prove profit of loss and no collections shall be made further more!
I am demanding that this information be deleted soon as possible. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate and I didnt consent to it being furnished INDIVIDUAL ACTIONS - 15 USC 1691a1-3 1591b1-5 .. NOTICE TO CURE : I DEMAND AN INVOICE FOR REMEDY .. NOTICE OF INVOICE : {$50000.00} By PAPER CHECK : NOTICE OF CEASE AND DESIST
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02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX firstly is a Living Man and a consumer. As I recently looked over my Credit Report via idenityiq that I have recently signed up with to get my current report. I noticed inaccurate Accounts and Inquires on my credit report that Is unauthorized and I am a victim of IDENTITY THEFT according to 18 USC 1028A The accounts below open/closed and in collections is not mines and has been done without my consent or authorization. All transaction, or charges are result in such action of identity theft. I DEMAND that you DELETE the fraudulent accounts and any related finance charge and other charges from my account, send me an updated and accurate credit report, and delete the account. I also DEMAND that you CEASE AND DESIST reporting inaccurate information to my credit report without getting my Written consent First in PURSUAT TO 15USC1681 ( b ) ( SUPRA ).
Enclosed is a copy of my Identity Theft Report where I reported such CRIMES/ VIOLATION, and a copy of my credit report showing the fraudulent items related to your company that are result in identity theft. Consumers should redact information that is unrelated to the dispute with EQUIFAX. Also, enclosed is a copy of the Notice to furnishers issued by the federal trade commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher/AGENCY. THIS IS NOT A DISPUTE NOR AM I REQUESTING A INVESTIGATION ; I AM DEMANDING YOU DELETE THESE ACCOUNTS IN THIS LETTER BECAUSE ALL CAN NOT BE PLACED IN A FTC Report.
According to UNITED STATES FEDERAL CODE EQUIFAX is in VIOLATION of 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. There was never any written consent for this information to be posted onto my consumer profile without my written consent. 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. 15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Your company is in VIOLATION of federal law by making me a victim of Identity Theft according to 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 7 ) the term means of identification means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any ( A ) name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; ( B ) unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; ( C ) unique electronic identification number, address, or routing code ; or ( D ) telecommunication identifying information or access device ( as defined in section 1029 ( e ). Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your Company has VIOLATED federal laws and can be held liable according 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I DEMAND YOU DELETE ALL ACCOUNTS AND INQUIRES LISTED BELOW AND DO NOT POST FUTURE INFORMATION REGARDING ANY OF THE ACCOUNTS AND INQUIRES. AND IF YOU NOT, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY ( 30 ) BUSINESS DAYS AFTER RECEIVING THIS LETTER FOR, XXXX ) Defamation of Character XXXX ) Damage to Credit Worthiness 2 ) Violating the FAIR CREDIT REPORTING ACT XXXX ) Causing me anxiety, grief, and depression Violations Aggravated Identity Theft 15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681A 18 U.S. Code 1028A EQUIFAX is VIOLATING FEDERAL UNITED STATES CODES and WILL be held LIABLE according to 15 U.S. Code 1611 and I wont hesitate to FILE A LAWSUIT AT XXXX MUNICPAL COURT.
I DEMAND YOU DELETE AND BLOCK ANY ACCOUNTS FROM REPORTING ON MY CONSUMER PROFILE!!!!
ACCOUNTS : Original Creditor : XXXXXXXX XXXX Open date : XX/XX/XXXX Amount : {$540.00} Account # : XXXX Original Creditor : XXXXXXXX XXXX Open date : XX/XX/XXXX Amount : {$510.00} Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Open date : XX/XX/XXXX Amount : {$610.00} Account # : XXXX Original Creditor : XXXX Open date : XX/XX/XXXX Amount : {$430.00} Account # : XXXX Original Creditor : XXXX XXXX XXXX Open date : XX/XX/XXXX Amount : {$710.00} Account # : XXXX
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02/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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TODAYS DATE : XX/XX/XXXX IN RESPONSE TO CFPB COMPLAINT IN ASKING FOR 60 DAYS TO RESPOND [ Subject of Letter : Suppression Request ] To Whom It May Concern : According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days.
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines Universal Cr Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines Universal Credit Ser Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies Universal Credit Ser Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX Retail, Not Elsewhere Classified Universal Credit Ser Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information.
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Equifax Credit Information Services , Inc., XXXX XXXX XXXX, XXXX, GA XXXX B : XXXX /XXXX F : XXXX/ XXXX REF : XXXX XXXX XXXX/-FILED AND PLACED ON CREDIT IN XXXX VOLUNTARILY DISMISSED BY THE COMPANY ON XXXX/ THIS ITEM WAS REMOVED AND PLACED BACK ON MY CREDIT ON THE SAME DAY XX/XX/XXXX Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money. For other debts, the statute is shorter. Oral contracts and revolving accounts such as credit cards have a statute of limitations of four years.
Florida Fla. Stat. Ann. 95.011 et seq. 5 4 4 4 This letter is a formal request to remove outdated information from my credit report. For easy reference, I have enclosed a copy of the credit report that EQUIFAX provided me on XX/XX/XXXX with the outdated items. Per Federal, statute allows a creditor to sue up to 7 years after the last payment was made. However, Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note.
On June 5, 1933, Congress passed House Joint Resolution ( HJR 192 ). HJR 192 was passed to suspend the gold standard and abrogate the gold clause in the national constitution. Since then no one in America has been able to lawfully pay a debt. This resolution declared : " To assure uniform value to the coins and currencies of the Unites States, Whereas the holding of or dealing in gold affect public interest, and are therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount in money of the United States measured thereby, obstruct the power of the Congress to regulate the value of the money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in the payment of debts, Now, therefore, be it Resolved by the Senate and House of Representative of the United States of America in Congress assembled, that ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payments in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy ; and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any coin or currency which at time of payment is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law.
( b ) As used in this resolution, the term 'obligation ' means any obligation ( including every obligation of and to the United States , excepting currency ) payable in money of the United States ; and the term 'coin or currency ' means coin or currency of the United States , including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations.
Sec. 2 The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled 'An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and of other purposes ;, approved May 12, 1933, is amended to read as follows : " All coins and currencies of the United Stated ( including Federal Reserve notes and circulating notes of the Federal Reserve banks and national banking associations ) heretofore or hereafter coined or issued, shall be legal tender for all debts, public and private, public charges, taxes, duties, and dues, except that gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight. ' APPROVED, XX/XX/XXXXUNE 5, 1933, 4:40 P.M. 31 U.S.C.A. 462, 463 HOUSE JOINT RESOLUTION 192, 73D CONGRESS, SESS. I, CH. 48, JUNE 5, 1933 ( PUBLIC LAW NO. 10 ) NOTE : " PAYMENT OF DEBT '' IS NOW AGAINST CONGRESSIONAL AND " PUBLIC POLICY '' AND HENCEFORTH, " EVERY OBLIGATION... SHALL BE DISCHARGED. '' AS A RESULT OF HJR 192, AND FROM THAT DAY FORWARD ( JUNE 5, 1933 ), NO ONE IN THIS NATION HAS BEEN ABLE TO LAWFULLY PAY A DEBT OR LAWFULLY OWN ANYTHING. THE ONLY THING ONE CAN DO, IS TENDER IN TRANSFER OF DEBTS, WITH THE DEBT BEING PERPETUAL. THE SUSPENSION OF THE GOLD STANDARD, AND PROHIBITION AGAINST PAYING DEBTS, REMOVED THE SUBSTANCE FOR OUR COMMON LAW TO OPERATE ON, AND CREATED A VOID AS FAR AS THE LAW IS CONCERNED. THIS SUBSTANCE WAS REPLACED WITH A " PUBLIC NATIONAL CREDIT SYSTEM '' WHERE DEBT IS " LEGAL TENDER '' MONEY.
HJR 192 was implemented immediately. The day after President Roosevelt signed the resolution, the treasury offered the public new government securities, minus the traditional " payable in gold '' clause.
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter.
Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA, I respectfully request you forward this information within 15 days of the completion of your re-investigation.
Thank you for your consideration and cooperation in resolving this matter. If you have any questions concerning this issue, I can be reached at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX ( XXXX SS # )
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03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Possible violation of Fair Credit Reporting Act In XXXX of XXXX I elected to file a chapter XXXX bankruptcy. At the time I had a loan with XXXX Bank on a car, for which I needed to keep. I am a XXXX, a mother of XXXX young girls, and trying to put myself through school. I needed to keep the car in question, and I had made every payment on time up to that point. This is the account in question. I believe I was mistreated and misled as to how to make payments while in XXXX, and the result is a negative mark on my credit which is incorrect and unfair.
Timeline : In XX/XX/XXXX I filed a chapter XXXX bankruptcy. I immediately called XXXX and explained that I had filed ( they already knew as the court sent them notices ). Below is a record of who I spoke to and the events that ensued : XX/XX/XXXX I spoke to a person named XXXX. For future reference, none of the customer service representatives give out their last names anymore. XXXX was kind, and explained to me the options that I had. He explained that at some point, XXXX ( The Company ) would ask if I wanted to re-affirm the debt, meaning I could continue making payments and keep the car. As I needed to keep the car, I told XXXX that I wanted to re-affirm the dent immediately. He explained that wasnt possible yet. I offered to make a payment, and he advised me that I would not be permitted to make a payment while in XXXX.
At that point I had a pre-scheduled payment that had come out of my bank account about a week prior. XXXX was not able to confirm such a payment, as he advised that he can not discuss any details while I was in XXXX. I was told to call back in a month.
XX/XX/XXXX I called and spoke to a customer service rep named XXXX. She explained the same thing as XXXX had a month before, but I was becoming worried. I wanted to make a payment on the car, I didnt want to lose it, and I was worried they would report me as late to the credit bureaus. XXXX advised me that while she could not discuss the account with me, she could at least tell me that there will be no negative reporting to the credit agencies while I was in XXXX. She also explained that although I was asking to make payments, I would not be allowed to do so, on account of the case.
She told me to call back in a few weeks.
In mid XXXX, I called and spoke to XXXX different customer service reps, XXXX and XXXX. First I told XXXX that I was told I could in fact make a payment while I was in XXXX according to my lawyer. But that the company wasnt allowed to collect against me. At that point, XXXX said oh youre in XXXX, I need to transfer you to a special department. This seemed odd to me as XXXX knew from the date of filing that I was in XXXX, and only now was I being sent to a special department. The person in the new department was named XXXX. XXXX was adamant that the bank would work everything out with me once the XXXX was XXXX. Additionally I was now told that I could make a XXXX XXXX payment or direct deposit from my bank if I wanted to in order to continue paying. I agreed and made the payment ASAP.
Upon calling back, I could not reach XXXX, and the new person named XXXX now told me that whether I made the payment or not, she was not able to say. She could not discuss the account with me. I was becoming distraught. How in the world was I supposed to be able to track whether my payment came in? This all seemed strange to me, as here I was, calling every few weeks, begging to make a payment, and up to this point - was told I could not. Now, at this point I am told that I COULD make a payment, but the company would not be able to confirm receipt. This felt suspicious and unfair. I reasoned it wouldnt be wise to make future payments if the company couldnt even provide a receipt. For all I know, that payment could have gone anywhere. XXXX told me that I should call back in a few weeks as my discharge was imminent, and that I would be able to make a full payment then.
Its important to note that I was able, capable, willing and offering to make a full payment each and every time I called the company. Im sure the calls are recorded, and so Im sure proof of this this could easily be attained.
In XXXX I spoke to XXXX who told me that I would be able to re-affirm the debt for a particular amount ( the instructions here on the CFPB site direct me not to disclose that amount here - theres a separate section ). I immediately offered to pay the amount in full right then, but was told that even though I had obtained my discharge, my account was still in the XXXX department at the company and so I couldnt make the payment. I explained how helplessly upset I was at all this, and how I was scared they would report me as having missed payments - while in fact I had been trying for months! XXXX assured me that the company would not report me as late, or assess late fees, as they had the record of me calling every few weeks. I think she felt bad for me. She told me that as soon as the account came out of the BK department I would get a call, and the company would work everything out with me at that point.
In XX/XX/XXXX I was finally noticed that I had to pay the account current immediately to protect my credit. I was relieved and paid it at once. I was assured by XXXX that my credit would be protected and no late reports would be made, or special fees assessed. The payment was sufficient to bring my account current. Which was all I was trying to do since XXXX.
Now last week I see that my credit is showing late for : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX. XXXX XX/XX/XXXX I am furious! This could not be more unfair. The company promised me this wouldnt happen.
I tried to make the payments and I was not permitted to. Now my credit is harmed even worse as it looks like I cant even pay this small bill.
As I said, I am a XXXX. My job is to treat people and make their XXXX visits a good and calming experience. I work nights on my unit, and I do my best to treat people with care, compassion, and respect. I am trying to get student loans to continue my degree advancement as one day I want to teach. This XXXX on my credit will harm my ability to get federal loans, as well as advance in my career. In essence, it seems incredibly unfair to portray me credit file as having all these missed payments, as it is absolutely misleading and not at all an accurate description of what happened. I am wondering if this is a violation of the Fair Credit Reporting Act?
I feel as though I did absolutely EVERYTHING I could to make these payments so this wouldnt happen. Its not fair what they are doing to me, and I need help. I was not late one time before the XXXX event, or since. This is not the way to treat people. Especially a first responder, like me.
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12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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After looking at my consumer report, It appears to me that I am a victim of identity theft. There are collections, closed accounts, charge-offs, OUT DATED INFORMATION and inquiries that are fraudulently being reported. These accounts are indeed fraudulent, containing inaccurate information and multiple discrepancies that are being reported on my consumer report. In pursuant to 15 U.S.C 1681 section 604 A section 2 : it states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to this none of the consumer reporting agencies asked nor were they ever given my permission to furnish this information. I state I DID NOT give written consent to any of the consumer reporting agencies to furnish any of this information. The consumer reporting agencies have assumed this vital role, and infringed my rights both personally and as a consumer. Pursuant to 15 U.S.C 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy. These accounts are damaging my good credit reputation and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Closed Accounts : XXXX XXXX. Collection Accounts : ASSOCIATED CREDIT # XXXX ( Original Creditor : XXXX XXXX XXXX ), NATIONAL CREDIT ADJUSTOR # XXXX ( Original Creditor : LEAD BANK ). INQUIRIES : XXXX CARD, SETTLEMENT XXXX DATA, CAPITAL XXXX, XXXX XXXX XXXX XXXX AND ALL OTHER INQUIRIES NOT LISTED, REMOVE THESE IDENTITY THEFT ACCOUNT ASAP!!! 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this TITLE. NOTICE TO PRINCIPAL, NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL. Please be advise this is my FINAL WRITTEN request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights to seek relief and recover all monetary damages that I XXXX be entitled to under XXXX XXXX XXXX and XXXX XXXX XXXX regarding your continued willful and negligent noncompliance. All of these accounts have violated the laws listed above According to FCRA AS WELL AS THE XXXX ACT XXXX FINANCIAL XXXX COVERED BY THE GRAHAM-LEACH-BLILEY ACT, MUST XXXX THEIR XXXX ABOUT THEIR INFORMATION SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT " IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. NONE OF THE ACCOUNTS LISTED ABOVE FOLLOWED THE REQUIREMENTS OF THE PRIVACY RULE!
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as copies of the letters sent to your company of the debt validation request sent by certified mail number XXXX and Fault with Opportunity to Cure letter sent by certified mail number XXXX to XXXX XXXX XXXX which the company received but failed to validate not respond, as well as a copy of the debt validation request sent by certified number XXXX and XXXX with Opportunity to Cure Letter sent by certified mail number XXXX to XXXX XXXX XXXX which the company received but fail to validate nor respond. INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. In response to your results, I sent a XXXX Request to your company by certified mail XXXX which you received but failed to respond nor provided the requested verification such as Who verified these accounts and complete method of verification. Also included was a notice of fraud and final Plea. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. FURTHERMORE, I did not consent to e-Oscar or any means of automated verification. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my RIGHTS. Please be aware I am including a copy of my complaint to the agencies/organizations below : XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX : Attorney Generals Office, CC : State XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency, CC : Federal Reserve XXXX, CC : Credit and insurance, CC : Federal Trade Commission XXXX XXXX : State Regulatory XXXX XXXX
All rights reserved, XXXX XXXX
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12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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This company has failed to report this account to all 4 credit bureaus for the account owner as well as the authorized users. This account should be reporting to XXXX, Equifax, XXXX and XXXX for the account owner and all of the authorized users however, it is not! We have called this company on numerous occasions within the last year, almost every month requesting them to update and submit this information to the credit bureaus. The agents have disconnected the calls, transferred us to incorrect departments, advised us to contact the credit bureaus instead of them sending an updated report. They have advised us that they have no control as to what the credit bureaus are or are not reporting. We contacted the credit bureaus individually and separately regarding this matter and they continue to tell us to contact the actual creditor. For an entire year, we continue to get the runarounds and this issue has yet to be resolved. We are requesting that ALL credit bureaus are updated to reflect this account 's entire payment history since account opening. The company has also failed to update the address correctly on the account. We have called to advise that the residential AND mailing address should be the same. There should NOT be two different addresses reporting! They have stated that they've updated the account but online it STILL reflects the wrong residential address! We are requesting that the company reimburse for all purchases made on the account from XXXX and for in store purchases made due to the scanner not working, the store not being able to scan partial payments and the company not releasing the over payments made on the account for immediate or further use. We called XXXX XXXX regarding a credit balance in XXXX and the agent told us that they don't issue checks for overpayments. We then had an over payment for the XX/XX/XXXX statement closing date and was not able to use it in the store because the agent stated that they have to make sure that an online payment made to them on XX/XX/XXXX had actually cleared as of XX/XX/XXXX. 14 days later? There has never been a returned payment on this account! There has never been a late payment made on this account! The ONE payment that was considered late by a FEW DAYS WAS A CAPITAL ONE ERROR because we requested to update and correct the address OVER THE PHONE with a LIVE agent and she entered the incorrect address so we NEVER received a statement! Even though we DID NOT receive a statement, AND HAD NO IDEA WHAT THE STATEMENT BALANCE WAS, THE MINIMUM PAYMENT DUE, WE STILL MADE A {$25.00} PAYMENT DURING THE BILLING CYCLE IN WHICH A PAYMENT WAS DUE. THE DIFFERENCE THAT WAS NEEDED WAS UNDER {$10.00}. I BELIEVE IT WAS SOMETHING LIKE {$3.00} OR {$4.00}. We are requesting a letter on company letterhead from XXXX XXXX confirming that it was there error and that it was updated, the late fee and interest was credited to reflect company error and not as a courtesy credit because a courtesy means we were at fault and as a courtesy you issued a credit. We also need this to be updated on the account in the customer notes because every time we call regarding an increase, this issue is brought up as if it was OUR error and not yours! We need this to be completed effective immediately! Each issue needs to be addressed separately! A different letter needs to be sent to us separately regarding each issue and not be combined in one letter! We are requesting that these issues are resolved and expediated immediately! This company STLL has the address wrong! They have spelled XXXX as XXXX which in turns adds an INACCURATE address to the credit bureaus! When attempting to dispute or delete this INCORRECT address to the credit bureaus, we're being told that it is linked to an active account. WE STILL DO NOT RECEIVE STATEMENTS BUT TO ENSURE THAT THERE IS NEVER A LATE PAYMENT WE HAVE SETUP ONLINE BANKING AND HAVE REOCCURING PAYMENTS SENT TO XXXX XXXX! WE HAVE MADE EVERY ATTEMPT TO RESOLVE MATTERS WITH THEM AND THEY CONTINUE TO FAIL US EACH AND EVERY TIME. THE GOAL IS FOR OUR CREDIT INFORMATION TO ALWAYS REMAIN ACCURATE AND CORRECT! THIS COMPANY HAS PARTICIATED IN FALSELY REPORTING INFORMATION AND/OR NOT REPORTED INFORMATION AT ALL! AFTER THE ADDRESS IS UPDATED AND CORRECTED, WE NEED FOR IT TO BE SUBMITTED TO THE CREDIT BUREAUS CORRECTLY! WE NEED A LETTER TO BE MAILED CONFIRMING THAT IT WAS CORRECTED. WE EXPECT ALL OF THESE MATTERS TO BE RESOLVED WITHIN 10 DAYS OF THIS COMPLAINT! Thank you so much for your immediate attention to these matters! A credit line increase was requested on XX/XX/XXXX and the letter stated that they used a credit report from XX/XX/XXXX which was more than 30 days old and would not have included the most accurate and up to date credit information. A new credit line increase was requested on XX/XX/XXXX and the letter stated that a report dated for XX/XX/XXXX was used which was also older than 30 days and wouldn't have included to the current and accurate information being reporting. I was also told that the application was denied because I had a cease and desist hold on my account. We requested that the cease and desist be lifted or removed back in XXXX, XXXX, XXXX, XXXX and now XXXX of XXXX. The company has failed to remove it thus far. Each conversation the representatives confirms that it's lifted yet, that too is another lie! As of XX/XX/XXXX it still remains. It was also requested to be removed on that day as well. No call was made to ensure that the last representative followed through with the request. On XX/XX/XXXX a reconsideration of the denied credit line increase from XX/XX/XXXX was requested over the phone via another agent who confirmed that the cease and desist was the reason for the previous denials. AGAIN the letter does not reflect any of that information but does show that they went off of a report from XX/XX/XXXX which was AGAIN more than 30 days old. WE ARE NOT REQUESTING A NEW CREDIT REPORT TO BE PULLED AT THIS TIME! WE ARE SIMPLY CONFIRMING HOW INCONSISTENT THIE INFORMATION IS VIA THESE CUSTOMER SERVICE REPS. HOW THEY LIE TO KEEP FROM DOING THEIR JOBS AND TO GET CUSTOMERS OFF THE PHONE QUCKLY AND NOT ATTMPT TO PROPERLY ASSIST. HOW ONE 'S LIVELY HOOD IS AFFECTED DUE TO INCORRECT INFORMATION AND INCORRECT REPORTING. NOT ONLY IS THIS COMPANY NOT REPORTING INCORRECTLY, THEY ARE USING OTHER INCORRECT INFORMATION TO DETERMINE MY CREDITABILTY. THE PROOF IS IN THE PUDDING! NO LATE PAYMENTS EVER! NO FINANCE CHARGES EVER! NO LATE FEES EVER! NO MISSED PAYMENTS EVER! YET THEY ARE REPORTING AND REFLECTING OTHERWISE! FALSE AN/OR MISSING INFORMATION BEING REPORTING. UPDATE AND CORRECT THE INFORMATION EFFECTIVELY IMMEDIATELY FOR THE ACCOUNT OWNER AND ALL AUTHORIZED USERS EFFECTIVE IMMEDIATELY!
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01/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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For approximately 4 months I have has an ongoing issue with information that Equifax is reporting on my credit file and information that is being given out to credit underwriters. Following my last complaint Equifax did remove XXXX erroneous collection accounts from my file and placed an extended fraud alert on my credit file as I requested. I thought that maybe this matter had been put to rest finally. On XXXX XXXX, XXXX at XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida wanting the verify that I had applied for credit at one of there location in XXXX XXXX XXXX Florida XXXX which I had not. I advised the called that I had not applied for credit and explained that I have a fraud alert on my credit file due to identity theft that I have been dealing with now for several months. She verified my name and I tried to find out more information about this credit application, however she stated that since I said it was not me she could not give me any information. Within 5 minutes my husband received a call on his cell phone from the same woman asking for me. Since he had been in the same room when I spoke with her he said " well did n't you just talk to her? '' and she ended the call. I called the number back, XXXX, and spoke with a supervisor and asked how they got mine and my husbands phone numbers, were they listed on this person 's credit application? She said no, they had received the numbers from Equifax to verify the credit application. At this time I asked again if they could verify if all of my information was used on the credit application because I am now thinking I may need to file another police report and also is my husband affected as well. She said she could not give me the information however if I wanted to give her the last XXXX digits of my social security number she could verify if it was the same as on the application, which it was not the same. Next I called the local XXXX store in XXXX XXXX, XXXX, in order to ensure that they were not going to allow someone to make purchases with credit obtained in my name. I spoke with XXXX who told me that they had already denied the credit application and the sale would not be made. He proceeded to tell me that he remembered the woman that came in, she was with her daughter, and he had her application right there. He gave me the phone number that was listed on her application and it was not my number. He also gave me the alternate number that she listed and that also was not my number nor my husband 's number. At that point he verified that Equifax had provided both numbers to their credit underwriters for verification purposes however he said it seems that this woman legitimately has the same name as me, but she is not using my personal information at all. After hanging up with him, I immediately called Equifax and spoke with a person named XXXX, I was given this name after the fact so I am not positive this was really his name but supposedly the call was being recorded ( date and time of call was XXXX/XXXX/XXXX, XXXX, however I was on hold for a while, the call lasted a total of 45 minutes ). I tried to explain to XXXX that my information was given out for someone else 's credit application and I needed to find out how to get this taken care of so it does not happen again. I tried to explain multiple times the part that there is apparently another person with the same name living in XXXX XXXX, the same city I live, but she is not using my SSN or address or phone numbers however when XXXX pulled the credit file they were given my information from Equifax. XXXX told me that did not happen, that there are no inquiries on my file, and that I needed to call the credit provider back. After multiple attempts of trying to get him to understand that I believe my file has been mixed with someone else 's, and what it seems is that when I placed the extended fraud alert on my file, my contact information was also added to the other person 's file. He insisted that did not happen, saying again there is no inquiry on my file, and added that there are no phone numbers on my credit file at all so therefore there is no way Equifax gave out my information. I asked why there is no phone number because the fraud alert should contain contact information so that I can be contacted if I do apply for credit. He said no, there is no number on my file. At that point I asked to speak with a supervisor and XXXX asked me why. I said because I need to get my personal contact information removed from this other person 's credit file, he told me there was no need to talk to a supervisor because I would be told the same thing. I asked again to please transfer me to a supervisor or someone else that could help me. He stated again there is no need. I waited a minute and he was still on the line, so I asked if he was transferring my call, he said no there is no need and repeated that I would be given the same response. At this point I was furious and I demanded that he transfer me to a supervisor right now. After telling me one more time I will get the same response he finally placed me on hold. It took about 10 minutes longer for a person who said her name was XXXX answered the call saying that she was the supervisor. I explained in detail again about the calls my husband and I had received and about the information I was given by XXXX, that the SSN 's were not the same nor were the telephone numbers and therefore I believe my contact information has been erroneously added to someone else 's credit file and that Equifax is providing my information in error. I also asked again why my extended fraud alert does not include my contact information on my own file. She was unable to answer my questions other than the same response as I received from XXXX that there were no inquiries on my credit file nor any phone numbers, she could not answer why there was no contact information listed on my fraud alert. I am attaching the original extended fraud alert request that was sent to Equifax on XXXX/XXXX/XXXX which lists all of my contact information to be included with the alert on my credit file, I am also attaching the notice I received from Equifax dated XXXX/XXXX/XXXX stating the extended fraud alert has been placed on my credit file, and I am attaching a current copy of the personal information section of my Equifax credit file showing the alert being placed however no contact information included ( I have redacted parts of my SSN and DL # 's ). I have verified with XXXX and XXXX and both agencies have contact information included on my extended fraud alert. I believe that Equifax added my contact information to the incorrect person 's credit file and are now providing my contact information for that person.
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07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I opened a XXXX XXXX account ( by XXXX ) on XX/XX/XXXX. XXXX. My customer # was XXXX and the last four digits of my account # were XXXX. My first order # ( XXXX ) was in the amount of XXXX minus a {$30.00} down payment, so the amount financed on credit was {$100.00} including taxes. From that first order, I returned a XXXX long sleeve shirt ( Item # XXXX ) because it was too big. I returned it in XXXX but was not credited until after the billing statement for XXXX came out. So, I was then charged my first bill for the month of XXXX and paid extra making a payment of {$36.00} on XX/XX/XXXX. When my XXXX statement came out, it said I had an outstanding balance of {$100.00} ( because the return hadnt been credited yet, so I was charged interest on the {$30.00} XXXX Shirt ). The minimum amount due was {$19.00} but I made a payment of {$36.00} as I wanted to pay extra to show good character and creditworthiness. I should have had an outstanding balance of {$37.00} on my XXXX statement, but XXXX failed to credit me for the interest charged on the XXXX shirt I returned and also the taxes they charged on the {$30.00} shirt.
So, on my XXXX of XXXX Statement, it showed I owed {$71.00}, including the {$1.00} I was charged on the wrong amount. The minimum due was {$19.00} but I went ahead and made a payment of {$25.00} on XX/XX/XXXX. That would have left my true balance of approximately {$12.00} but most likely LESS than that due to the overcharging in interest for the returned shirt and the overcharging of taxes on the returned shirt. SO, my last payment was made on XX/XX/XXXX, leaving somewhere between roughly $ XXXX {$12.00} in total to have my account paid in full. Due to a lawsuit, I was never informed of, I was sued by XXXX 4 years after I surrendered a vehicle and then another 5 years later ( in XXXX ) they began to garnish my wages, so I filed for XXXX XXXX bankruptcy on XX/XX/XXXX. I let my attorney know that I wanted to KEEP my XXXX account and I actually made several attempts to pay the remaining balance. But instead of accepting my {$10.00} payment or however much it truly was, XXXX started reporting as of XX/XX/XXXX, on my XXXX credit report in XXXX XXXX bankruptcy, wage earner plan, account closed, and it was showing up as the only DEROGATORY, on my entire XXXX credit report.
Then comes my Equifax credit report which Shows nothing but the account open date ( XX/XX/XXXX ) which is incorrect. It was opened XX/XX/XXXX. It also shows the account as closed and under remarks says, XXXX XXXX bankruptcy. Neither my XXXX or Equifax credit reports show any, or they have missed payment history and the balances reported are completely incorrect. My XXXX credit report shows the date opened as XX/XX/XXXX, which I incorrect. It also says, debt discharged through bankruptcy XXXX XXXX, XXXX, or XXXX It fails to show the original balance, Monthly payment, and past due amount. It also shows for the month of XXXX that I missed a payment which is completely false and is negatively affecting my credit score. I never missed a payment to XXXX, always paid extra, and have tried contacting several people about how to get this resolved. I tried tirelessly to pay the approximately {$10.00} I Owed, but was either transferred to a different representative, hung up on, told to write and mail a letter ( which I did on XX/XX/XXXX ). I did EVERYTHING in my power to get this derogatory mark off my credit which I had been trying very hard to fix. All of my efforts were for nothing. I continued to get lied to and was always given the runaround. So eventually I began disputing the information with all three credit bureaus MULTIPLE times as the results were always in the favor of XXXX. I even submitted all my evidence with my disputes. My federal bankruptcy papers clearly state that no creditor is allowed to collect money from me while I am in bankruptcy proceedings or after a debt is discharged. Although XXXX was not listed on my bankruptcy or discharged, they were reporting my account as discharged in bankruptcy. However, on XX/XX/XXXX of XXXX, XXXX agreed that if I paid the remaining balance of my account in the amount of {$14.00} they would remove all derogatory information from my credit reports. So, I made a {$14.00} payment right then and there. So that proved that the account was in fact, not included in bankruptcy because they are not legally allowed to accept payment for a debt discharged in XXXX XXXX bankruptcy according to my federal court documents. XXXX accepted a payment from me and told me to give it approximately 30 days for the changes to be reflected on my credit reports.
After 30 days, there were no positive changes made to what XXXX was reporting. They agreed to report the account as Paid in full, closed by customer and with all positive payment history. Instead, they reported even more negative false information. My XXXX credit report currently as of XX/XX/XXXX has XXXX reporting account opened XX/XX/XXXX ( false-it was opened XX/XX/XXXX ), Discharged through XXXX XXXX bankruptcy ( even tho I paid every single penny I owed to them ), and for the month of XX/XX/XXXX under payment history it says, Charged off ( which is also falsely reported information ). My Equifax credit report has XXXX reporting my account opened XX/XX/XXXX and it says included in bankruptcy which are both incorrect. My XXXX credit report has XXXX reporting the original balance as {$100.00}, account opened XX/XX/XXXX and status as, unrated or bankruptcy, which once again is incorrect.
I have contacted XXXX via phone and letters. I have filed multiple disputes with each credit bureau including all my evidence, but nothing has ever been corrected and Im always left frustrated and feeling defeated. I did the right thing and paid that creditor off when legally I didnt even have to, and this is what I get in return. This company conducts unfair and illegal business practices and needs to be looked into. I have all the evidence to back up this letter, including recorded phone calls to XXXX customer service where I was completed lied to.
I apologize for such a lengthy letter, but I wanted to give you every detail of what XXXX has put me through. It has cause severe XXXX, frustration, and the feeling of hopelessness. I have spent days and days of my life trying to get this corrected. I do not want anyone else to have to go through what I have with this company that I paid in full. I wish I would have submitted a complaint to the consumer financial protection bureau sooner, but I have 100 % complete faith that you will look into this complaint and make this company right its wrongdoings.
Thank you so much to whoever has taken the time to read this. I truly appreciate it.
XXXX XXXX
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06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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My Name is XXXX XXXX XXXX a living soul in the eyes of GOD my purpose of this complaint is to address the willingly neglect of the credit bureaus to my demands and request to remove all negative items including names, addresses and accounts that is not accurate or violates my rights as a consumer. XXXX, XXXX, Equifax all ignored my demands please help me to get the attention of the bureaus and this problem handled immediately because it is affecting my creditworthiness and fairness to be extended credit listed below are all the negative items I've requested to be removed and attached is all letters sent and ignored by the credit bureaus.
I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA section 611 ( 15 U SC 1681I ) and Metro 2 compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed. I Below is a summary of the data in which I am challenging : NAME : XXXX I would appreciate it if you could take care of any names that may be listed incorrectly in your database. My actual name is XXXX XXXX XXXX if you have anything in your system that is different from what I have just mentioned then delete them immediately.
CURRENT ADDRESS : Your company 's records must be up-to date. If you have any address listed in your system that does not match my address as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only address is XXXX XXXX XXXX, XXXX XXXX, GA XXXX Appreciatively, You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
I understand that under the U.S. Code 15 USC 1681 ES Seg Section 604, only users with a permitted purpose can view my credit report, and I definitely did not give consent for the unauthorized inquiries to take place.
Inquiries XXXX XX/XX/XXXX EquifaxXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX EQUIFAX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX Accounts In Violations : Summary of Accounts being challenged in list form XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e, it is required that you maintain reasonable procedures to ensure the accuracy of credit reports.
All Items Listed Above Violates My Rights As An American & goes against constitutional rights Please send your written response to my address
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02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditors # and the ALLEGED dates of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Global lending services- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( XXXX ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my consumer credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( XXXX ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non compliance to reporting obligations so to retain or return to appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( XXXX ) business days so that I can verify its validity.If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you consumer, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further I am also requesting that they remove any and all of my personal information from your records. Last XXXX of XXXX : XXXX Date of Birth : XX/XX/XXXX In the event it is needed to locate the potentially injurious and fraudulent inquiry in their system. I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( XXXX ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry. I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( XXXX ) complies with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights. I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( XXXX ). I am certain that you know already but please allow me to remind you that your failure ( XXXX ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for one or more of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance! You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself.
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11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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On XX/XX/XXXX I had sent a dispute letter to XXXX in regard to a charged off / canceled debt account and I have yet to receive a response from this company. XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. The Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website for further evidence. By Definition, the IRS Clearly say
s a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of { {$3300.00} } in order to file as ordinary income. Where is my 1099-C XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. Because of this I will report your agency to the IRS for tax fraud via the Form 3949-A form. XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX is not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If this company truly believe otherwise then I demand that they prove to me and the cfpb that XXXX, Equifax, and XXXX are " Bureaus '' as federal law describes it. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
XXXX must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Hello, I am writing to file a dispute regarding the XXXX XXXX XXXX XXXX ( XXXX ) inaccurate and incomplete information being reported on my credit report. Specifically, I am requesting that you enforce the legal requirements outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) with regard to the following violations : Section 607 ( b ) ( 1 ) of the FCRA requires that credit reporting agencies report accurate and complete information.
Section 607 ( b ) ( 7 ) of the FCRA requires that credit reporting agencies report the date of last activity on an account.
Section 312 ( b ) of FACTA requires that credit reporting agencies notify furnishers of information about a dispute.
Section 312 ( c ) of FACTA requires that credit reporting agencies promptly delete or modify any disputed information that is inaccurate or can not be verified.
Specifically, I am concerned about the reporting by XXXX XXXX XXXX, related to an account with the original creditor XXXX XXXX XXXX XXXX XXXX XXXX, with account number XXXX.
According to my credit report from XXXX and Equifax, the account type is listed as " Collection, '' while XXXX XXXX reports it as an " Open Account. '' This discrepancy in reporting violates Section 607 ( b ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report accurate and complete information.
Additionally, XXXX XXXX did not report the date of last activity on the account, while XXXX and Equifax reported different dates. This violates Section 607 ( b ) ( 7 ) of the FCRA, which requires credit reporting agencies to report the date of last activity on an account.
Furthermore, Section 312 ( c ) of the Fair and Accurate Credit Transactions Act ( FACTA ) requires credit reporting agencies to promptly delete or modify any disputed information that is inaccurate or can not be verified. If the disputed information related to this account is found to be inaccurate or can not be verified, XXXX XXXX XXXX must promptly delete or modify it.
XXXX XXXX XXXX, with account number XXXX to XXXX XXXX XXXX the account type was reported as an " Installment account, '' while XXXX reported it as an " Auto Loan. '' This inconsistency may be inaccurate and incomplete, violating Section 607 ( b ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report accurate and complete information.
Furthermore, all three credit bureaus report that I was 30 days late on XX/XX/XXXX, which is not true. I have not missed any payments on this account. This could be a reporting error and a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of information.
XXXX XXXX XXXX and Equifax have reported on my credit report. Specifically, according to Equifax, the monthly payment, credit limit, and payment status were not reported for account number XXXX.
These violations of the FCRA have had a devastating effect on my life. As a result of these errors, I have been denied credit and have been unable to secure a loan for a home that I desperately need for my family. The stress and anxiety of being denied these opportunities have also impacted my health and my ability to work.
I am requesting that XXXX XXXX XXXX and Equifax remove these unverified collection accounts from my credit report. These accounts have been inaccurately reported and are unfairly affecting my credit score and my financial opportunities.
Furthermore, I urge the CFPB to enforce the legal provisions of the FCRA, specifically Sections 607 ( b ) ( 1 ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ), which require credit reporting agencies to report accurate and complete information, maintain reasonable procedures for accuracy, and conduct a reasonable investigation of disputed information.
According to my credit report, the XXXX XXXX account ( XXXX ) shows a monthly payment of {$0.00} and does not report any past due status. This information is inaccurate and incomplete, and as such, violates Section 607 ( b ) ( 1 ) of the FCRA, which requires credit reporting agencies to report accurate and complete information.
Additionally, I believe that XXXX XXXX may have provided inaccurate and incomplete information to XXXX XXXX, which violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. This section requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of information.
XXXX ( account number XXXX ). The credit reporting agencies, XXXX XXXX, XXXX, and Equifax, have not reported the monthly payment, number of months/terms, high credit balance, and last reported date for the account, which may be considered incomplete information and a violation of Section 607 ( b ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ).
Additionally, the credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of information under Section 623 ( a ) ( 1 ) ( A ) of the FCRA. If XXXX failed to provide accurate and complete information to the credit reporting agencies, this could also be a violation of the FCRA.
XXXX XXXX XXXX account as " Open account '' while XXXX reported it as " Installment. '' This conflicting information is incomplete and inaccurate and violates Section 607 ( b ) ( 1 ) of the FCRA, which requires credit reporting agencies to report accurate and complete information.
Furthermore, XXXX reported that the XXXX XXXX XXXX account had a term of only one month, while XXXX XXXX did not report any number of months/terms. This incomplete information violates Section 607 ( b ) ( 1 ) of the FCRA.
In addition, XXXX XXXX reported an incorrect last active date of XX/XX/XXXX for the XXXX XXXX XXXX account, while XXXX reported XX/XX/XXXX. This discrepancy violates Section 605 ( a ) of the FCRA, which requires credit reporting agencies to report only accurate and current information.
These inaccuracies have greatly affected my life. I have been trying to secure a loan for a new car, but the false information on my credit report has prevented me from getting approved for a loan with reasonable interest rates. This has caused a lot of stress and anxiety for me and my family.
I request that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX remove the unverified collection account from my credit report immediately. I also ask that you enforce the legal requirements of the FCRA and investigate these potential violations. It is my hope that these inaccuracies can be corrected so that I can move forward with my financial goals.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to you today with a heavy heart and a fervent plea for assistance in enforcing the legal provisions that protect consumers like me from the devastating impact of erroneous credit reporting. The violations I have experienced have not only tarnished my financial standing but have also taken an immeasurable toll on my life.
Account Inaccuracies ( Various Issues ) : My journey into this nightmarish ordeal began when I meticulously reviewed my credit report. To my shock and dismay, I unearthed numerous instances of inaccurate reporting by several creditors, leaving me in disbelief and despair. These violations encompass a wide range of issues, including but not limited to : Incorrect High Balances : Some creditors reported high balances that were grossly inaccurate, painting a misleading picture of my credit utilization. These misrepresentations clearly defy the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e, which mandates the accuracy of credit information.
Inaccurate Dates of Last Activity : The reported dates of last activity on certain accounts are egregiously incorrect, suggesting more recent activity than there actually was. Such inaccuracies violate the FCRA ( 15 U.S.C. 1681e ).
Reaged Accounts : Some creditors have reaged accounts, manipulating the dates of delinquency to make them appear more recent. This is not only misleading but a clear violation of the FCRA ( 15 U.S.C. 1681s-2 ).
Reinsertion of Accounts Without Proper Notice : Certain accounts were reinserted into my credit report without providing me with the requisite notice, as mandated by the FCRA ( 15 U.S.C. 1681i ). This lack of transparency only added to the confusion and frustration I have endured.
Undated Late Payments : Some late payments on my report lack dates, making it impossible to determine their accuracy or relevance. This lack of transparency is inexcusable and violates the FCRA ( 15 U.S.C. 1681e ).
Charge-offs Erroneously Listed as Open : Certain creditors have erroneously listed charge-off accounts as open, further muddying the waters of my credit report, in violation of the FCRA ( 15 U.S.C. 1681e ).
Inclusion of Collection Accounts with Incorrect Limits : I discovered that collection accounts were inaccurately reported with incorrect limits, skewing my credit utilization ratio and damaging my creditworthiness. This is in direct violation of the FCRA ( 15 U.S.C. 1681e ).
To compound these issues, some of the accounts were falsely marked as being involved in litigation, indicating a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in Section 1692 of the FDCPA ( 15 U.S.C. 1692 ).
Incorrect Personal Information : My credit report also contains inaccuracies in my personal information, most notably concerning my previous and current addresses. These inaccuracies directly contradict the stipulations outlined in the FCRA ( 15 U.S.C. 1681c ). The FCRA obliges credit reporting agencies to maintain precise and current consumer information, and these inaccuracies have been nothing short of devastating.
Let me share with you how these violations have profoundly impacted my life : As a diligent taxpayer and aspiring homeowner, my financial reputation is of paramount importance. The inaccuracies and unauthorized inquiries on my credit report have led to a series of heartbreaking denials and limitations. For instance, I recently applied for a mortgage to secure a home for my family. Despite having diligently saved for years and maintaining an impeccable payment history, I was denied the opportunity to own a home due to these inaccuracies. My dream of providing stability and security for my loved ones has been ruthlessly shattered.
The emotional toll of these inaccuracies is impossible to quantify. The XXXX and uncertainty about my financial future have cast a dark shadow over every aspect of my life. The sleepless nights, the nagging fear of rejection, and the heavy burden of unearned shame are constant companions. My mental and emotional well-being have been ravaged by this relentless injustice.
In light of the egregious violations outlined above, I humbly implore your intervention to enforce the relevant legal provisions and rectify these issues promptly. My sincere request is that you compel the listed creditors to expeditiously remove the unverified accounts from my credit report, in accordance with the FCRA ( 15 U.S.C. 1681i ) : [ Creditor Name : XXXX ] Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry under FCRA ( 15 U.S.C. 1681b ) [ Creditor Name : XXXX XXXX Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) and Potential FDCPA Violations ( 15 U.S.C. 1692 ) [ Creditor Name : XXXX XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name XXXX XXXX XXXX XXXX ] Account Number : [ Account Number ] Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name : XXXX XXXX XXXX Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name : XXXX XXXX Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name : XXXX XXXX XXXX ] Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry under FCRA ( 15 U.S.C. 1681b ) [ Creditor Name : XXXX XXXX XXXX XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name : XXXX XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) Furthermore, I respectfully request a thorough investigation into the mishandling of my personal data, specifically the inaccuracies in my previous addresses : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX These errors have exacted a heavy toll on my financial stability and emotional well-being. My sincere hope is that by addressing these issues, we can restore fairness, accuracy, and justice to my credit history.
I implore you to take swift and decisive action on my behalf, ensuring that the credit reporting agencies and creditors involved comply with the law and rectify these violations. My family 's future and my emotional well-being hang in the balance.
Thank you for your unwavering commitment to upholding consumer protection laws and ensuring equitable credit reporting practices.
Sincerely, XXXX XXXX XXXX
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07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
While I requested DO NOT CONTACT and it was acknowledged by XXXX, it was not adhered to. Please ensure - it is adhered to.
Please ensure that you ( XXXX XXXX XXXX ) REPORT to the CRAs any details that need to be communicated, corrected or resolved.
I am XXXX XXXX, and I am the author of this dispute. This is NOT a Duplicate complaint, please do not flag it as such. I am not a Credit Repair Organization, nor am I using one I just love the data.
The screenshots/attachments/data within this complaint - are pulled directly from XXXX and MyEquifax.com with my PII data validated and ensured, for verification and for access to my own, Credit Reports.
This complaint is a bit long, and detailed, with some technical details within it. Its also discoverable. All the companies within this complaint have an IT team, and developers that created/managed the integrations, built/build or maintain the systems or load the files from Data Furnishers. There is an existing complaint against XXXX ( XXXX ), and the complaint number is XXXX-XXXX That complaint - if read, is/was not a simple request of Validation of Debt, it was in detail, and specific to a complaint to XXXX XXXX ( XXXX ), and its compliance with Metro2, and its standards - and, then FCRA/FDCPA. While XXXX did make traceable changes in my records at the CRA, they also said that there was nothing wrong, and that they believed that everything was correct.
I am not able to be the middleman. I do not own the data, integrate it, load it or report on it. That stream of activity that occurs, is in fact that of XXXX and Equifax. When there is an error at least in SDLC and then the rules that govern Consumer Data/Data Furnishers/CRAs Requirements through to Expected Results, are defined. When they are defined, they are the rules.
I am pasting below, the responsibilities as a Data Furnisher - I am relying on - XXXX XXXX XXXX XXXXXXXX XXXX XXXX For Federal Law - Definition of a Creditor and then a Debt Collector, I am relying on - 803 ( 4 ) and ( 6 ) https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text THIS complaint is against XXXX ( Data Furnisher ) - and, then Equifax ( CRA ) for this line item on my Equifax Report has created this dispute of both FACRA and FDCPA compliance, although there are more XXXX Because the ACCOUNT NUMBER is BLANK on the report from Equifax - XXXX, Open Date XX/XX/21 and Reported Balance XXXX, are the identifiers. Screen shots in the attachment - is also provided.
This is one complaint, one record, one CRA ( Equifax ).
There are more, by record, by CRA ( XXXX, XXXX, EQ, XXXX ) that will be filed.
It is not a Verification/Validation of Debt, please be so kind as to not treat as such. If in fact an attachment is needed to demonstrate any details of your response I ask that you simply ensure your reporting accurately reflects it as only I can see the letter. The report as you know, is visible to all interested/qualified entities.
If you can not resolve the issue please be so kind as to delete your record.
XXXX as the Data Furnisher has a responsibility to ensure its own datas accuracy. Equifax, as the CRA your responsibility is to ensure it is accurate. Your systems, processes and reporting partnered with the Data Furnisher s actual data is creating an egregious result for consumers. Understanding this and because I am neither the owner of the data, nor the system that receives and produces scores, reports and views of/from this data It is ultimately up to you both. Data Furnisher CRA. To ensure what is sent, is your/the expected result.
I am attaching a detailed XXXX XXXX - highlighting where the issues are, and I am also attaching the Metro2 specification with the Debt Collector section called out. ***The Header/Footer details in a Metro2, are not specific or keyed, on/to a consumer and are then n/a.
This document, maps the Metro2 Fields specified for a Debt Collector to a COLLECTION ( 10. ) Section in Equifax. Imbedded, are a pdf, and then the text from the Metro2 guide. This document then, shares the XXXX Record as a comparison. logically laid out in the spreadsheet Tabs.
XXXX and/or Equifax can decide how to resolve this but the data is from XXXX and produced by Equifax. Its wholly misleading, malicious and powerful If I can see it, you all know.
There is not an escape button and it has been going on for years.
Equifax /XXXX 1. XXXX XXXX - is not a Creditor/Lender.
2. XXXX XXXX is a Debt Collector 3. XXXX XXXX is reporting as a Creditor/Lender, with attributes they are directed NOT to send ( See Bonus XXXX Tab and 5. Collections vs. 10. XXXX Tab ) 4. XXXX Data sent on their files, are outside of Metro2 Standard ( See Metro2 Mapped DC Tab ).
5. Equifax has a Dedicated Section, for COLLECTION ( See 5. Collections vs. 10. XXXX XXXX ) 6. That Section Labeled, Described and Published, by Equifax - defines it usage for Debt Collectors.
7. That Section is 10.
8. The fields are consistent with Metro2 Guidelines when mapped to the accounts.
9. I have mapped it its attached, on the Metro Mapped DC Tab 10. Equifax has a Dedicated Section, for Accounts, Tradelines of Creditors and Lenders 11. That Section Labeled, Described and Published, by Equifax -defines it usage for Creditors/Lenders 12. Equifax - is loading this data 14. Equifax is also publishing this data - for all to see 15. Equifax - if you are the gate keeper, you allow the Trojan Horse to walk right in 16. Even if EQ says this is an expected result - the TRADELINE is INCOMPLETE, and wholly INNACURATE 17. 5.7, says 5.7 XXXX XXXX XXXX ( CLOSED ) 18. The Account is not CLOSED 19. Should XXXX say it is, where is the Date Closed/Activity Designator that is Required of this TYPE of Account?
20. Then There is no Account Number source Annual Credit Report.com 21. Account Status as per Metro2 this is an INVALID Value.
22. Debt to Credit Ratio, Available Credit, Balance, Pay and Rating History - Can not apply to a Debt Collector as Per Metro2 and, law as their is no CONTRACT 23. Almost every field in the Account Details, can never Apply to a Debt Collector a. Loan Type Can not Apply As Per Metro 2 b. When reporting in this section Creditor Classification is allowing this XXXX XXXX record, to report as a Bank Card - Creditor c. Equifax because you are allowing it its then so impactful, even when paid- the damage is for the duration of the tradeline.
d. Your algorithms pick this up it can be demonstrated There is so much more to whats occurring.
If it is happening to me its happening to all and is systematic.
This took me a while to figure out but, now I get it.
I hope everyone else does/will get it too.
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02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
17. XXXX Account Number : XXXX Please review Student Loan transfer dates on this account ; late history may be inaccurate.
18. XXXX Account Number : XXXX Please review Student Loan transfer dates on this account ; late history may be inaccurate.
19. XXXX Account Number : XXXX Please review Student Loan transfer dates on this account ; late history may be inaccurate.
20. XXXX Account Number : XXXX Please review Student Loan transfer dates on this account ; late history may be inaccurate.
21. XXXX Account Number : XXXX Please review Student Loan transfer dates on this account ; late history may be inaccurate.
22. XXXX Account Number : XXXX Please review Student Loan transfer dates on this account ; late history may be inaccurate.
23. XXXX Account Number : XXXX Please review Student Loan transfer dates on this account ; late history may be inaccurate.
24. XXXX Account Number : XXXX Please review Student Loan transfer dates on this account ; late history may be inaccurate.
25. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
26. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
27. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
28. XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
29. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I am writing to dispute the following information in my file.
The late fees on this report as of XX/XX/XXXX are inaccurate because of the following reason ( s ) : Around XX/XX/XXXX my mortgage company was bought out by another. Formerly XXXX loan services, it is now named XXXX Mortgage. During that time, I was on a modification plan that finally allowed me to get on track after my divorce which I was current on. After the merge, I found myself unemployed due to the decision to homeschool my kids and several incidents with a daycare provider resulting in multiple doctor visits due to infections. My XXXX payment cleared the bank the day before my final paycheck hit and the new mortgage company XXXX XXXX XXXX ) immediately canceled the modification and issued a statement for the full payment due immediately. After several attempts trying to reach someone to rectify the loan got more and more behind. I tried logging into my account to make payments, but the system was down. I was told that they were still transitioning files and that I needed to reapply for a modification In the meantime, but not until they mailed me documents to do so which took almost a month. I was also behind on homeowners dues and had been since my divorce and the XXXX was no longer willing to make arrangements that would work for my budget. Though the homeowners association agreed to allow me to set up a payment plan, it was with an unrealistic down payment of {$2500.00}. Since I didn't have it, the property was placed in an auction on XX/XX/XXXX. Two weeks later I received a letter and check in the mail stating someone purchased my home at auction and the check was the difference from the sale.
I took the money and moved my kids to a better school district and we became apartment renters for the first time in our lives on XX/XX/XXXX. Months went by and I received a call from the investor who purchased my property XXXX XXXX XXXX XXXX. He stated that he needed to get the mortgage loan information to pick up the loan payments because there is another lien on the home. I was completely confused and asked him, " didn't you purchase the property in full? '' The letter I received from the XXXX attorney said that the purchase included all outstanding liens, etc.
I did some research, had him added as a third party to take over the loan and now we are here. When he found out how much the mortgage company was asking him to pay he was no longer interested in keeping the property and apparently all that was paid at auction was the outstanding XXXX debt. Not knowing my options at this point, I contacted the mortgage company and asked to get more information on a short-sale because I assumed that was my only option. They responded and gave me instructions to wait on the application in the mail and to get with a realtor for short-sale papers. I reached out to my realtor and she said she would make some calls to her investor friends to see if they are interested in the property. On XX/XX/XXXX I requested to begin the process of a short-sale on my property. On XX/XX/XXXX, I received an email that confirmed that I had requested a Mortgage Assistance application to be mailed to me. I was not given an option on the method of delivery and was told that I would need to allow sufficient time for mailing and that a realtor would have to assist me with this process. I let me broker/realtor know and we awaited the documents. On XX/XX/XXXX, I sent an email to the relationship manager stating that I never received the documents and that they needed to send them to me via email immediately to avoid the upcoming foreclosure sale date that had been set for XX/XX/XXXX. I received a response back on XX/XX/XXXX, that stated that they apologized for the inconvenience and emailed the documents to me also stating that they no longer had a sufficient amount of time to review the account for a short-sale. I immediately forwarded this to my realtor who stated she was going to call them and asked me to complete a XXXX party authorization so she could speak to them on my behalf. After gathering all the necessary sale documents, my realtor sent them to all 3 of the company 's email addresses along with the 3rd party authorization on XX/XX/XXXX. We already had a buyer in place and a current payoff amount to move forward. On XX/XX/XXXX, my realtor called to follow-up on the status of the short-sale request and was not able to speak to anyone because they stated she was not authorized. She contacted me and when I called they stated that the signature on the 3rd party authorization was not legible. Everything written was written in the same ink with the same pen. On the same day XXXX XX/XX/XXXX ) I emailed a 4th request to have XXXX XXXX XXXX realtor ) added to my account to speak on my behalf. On XX/XX/XXXX XXXX called me again frustrated because again they would not speak to her without " authorization ''. By this time drawing out the length of the loan and allowing more time and interest to accumulate. She connected us on a 3-way call where I explained to the agent that she was allowed to speak on behalf of me. The agent stated that the account read that there was missing documentation in the mortgage assistance packet, and XXXX told her that the documents being requested had either been sent in or was awaiting an updated payoff because the previous one had expired. The agent stated that she would put in a request for another payoff quote. When I got home I received a letter requesting Articles of Association, settlement disclosure statement, and the co-borrower 's signature ( what the agent had stated on the call ). I also received an email requesting the same information on XX/XX/XXXX however, we still had not received a payoff quote and the one currently in place was set to expire on XX/XX/XXXX. I emailed this information to my realtor and she contacted them on XX/XX/XXXX ( today ). To her surprise they still would not speak to her and the agent on the phone would not disclose the information discussed with the previous agent. We tried to obtain information on where the short-sale was in process to-date and he stated that we were missing the same 3 items. We requested the payoff, had XXXX added as the point-of-contact and have a pending foreclosure date set for XX/XX/XXXX. This company has not been diligent in its communication and it has cost me thousands of dollars in interest and mortgage payments as I have not lived in this property since XXXX of XXXX. I have been trying to resolve this by having the gentleman who purchased my home in an XXXX auction in XXXX of XXXX take over the mortgage, but they would not allow the deed to be transferred over without 1 year of on-time payments.
|
06/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
XXXX XXXX has attempted to fraud my infant trust account again. They have sent me a new card. This new card has no account information as to where the credit account came from and where or what company it is with. I have not called them and have reported this fraudulent information hereto the CFPB because of the past issues i have had in the past two years attempting to clear up this false and fraudulent information.
DECLARATION - i XXXX XXXX XXXX of sound mind body and soul a minister can testify and swear that the above Credit Card mention herein this complaint below is fraudulently created. I received a notice and or later in the Mail USPS presorted first class mail paid from XXXX XXXX on XX/XX/XXXX. I did not create an account with XXXX XXXX concerning a card or a new account. This is identity theft. There are approximately over [ 200 ] Two Hundred XXXX XXXX listed within the XXXX XXXX County listings and this information is not mine. In fact the name alone says it, XXXX XXXX a member since XX/XX/XXXX? My name is XXXX XXXX XXXX and no records of a credit card history you've provided states this as accuracy and validation. I XXXX XXXX XXXX am not a member of XXXX XXXX nor have i every been a member and have not given consent to become a member. I do not have records of such membership nor contracts or applications of a membership with XXXX XXXX. I do not give consent for any loans.
The Three credit agencies sent me a letter or notice stating within that letter this statement Thank you for contacting the Credit Agency [ Name of agency ] indicating fraudulent items on your credit report. We are here to assist you. We are unable to locate a credit file in our database with the identification information [ drivers license, name address, phone number and history of addresses ] you provided, In order to further assist you, we will need additional documents to verify your identification. Please provide your complete name etc, .. The CA drivers license has my complete name a photo and address thereon the card. I also sent you credit agencies a copy of the full application with the Department of Motor Vehicles as i will herein the CFPB data base. What happened to that information?
Questions for The credit Bureaus and XXXX XXXX Verification and Validation ; Q - 1. ] How is it possible that you listed XXXX XXXX as 30-60 days late on my credit report but can't locate a file? According to the Fair Credit Reporting Act this must be deleted ASAP!
Q - 2. ] I XXXX XXXX XXXX received letters claiming that the credit bureaus can not find a file with my information and drivers license after i have contacted you via telephone and identified myself through your process? According to the FCRA you must delete XXXX XXXX filed disputed due to mistakenly having the wrong information incorrect information and such the like. According to the FCRA 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ]. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In short what you are asking me to provide opens me up for damages and i can not give you that private information. Such as Pay Stubs Gas Electric bill water bill cable bill residential telephone number? According to the FCRA Definition within said act you are in violations of my right to privacy for requesting information to resolve an identity theft created by XXXX XXXX credit card as of XX/XX/XXXX.
Q - 3. ] XXXX XXXX claims and alleges to have loaned XXXX XXXX XXXX money or XXXX XXXX money located at XXXX XXXX XXXX? How was the funds transferred and where did the funds come from?
Q - 4. ] Did the funds come from XXXX XXXX XXXX or XXXX XXXX XXXX infant trust account ending in XXXX?
On XX/XX/XXXX i XXXX XXXX XXXX mailed you a 200 plus page complaint for identity theft in full detail, and newly created credit reporting information along with copies of the letters from XXXX XXXX credit card services. You [ Credit agencies ] placed upon their request added me 30-60 days late for payments. This came after i provided proof of payment [ US Currency ], payment type [ Tender Of Payment ] and my personal and private information. According to the FCRA ( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer ; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. Based upon the [ FOIA ] i am demanding a copy of this information to see why you do not have a current record and or information concerning a file!
Q - 5. ] What happened to the file and the investigations?
Q - 6. ] Are you attempting to set me up to be tracked and hunted down?
Q - 7. ] Are you making banks aware of my location of living and employment for harassing purposes?
Q - 8. ] I advise that you disclose all information within the next five business days concerning my accounts my right to privacy, The Freedom Of Information Act and FCRA allows me to use law to force disclosure of all information recorded concerning me and about me my right to privacy and such the like. Something is clearly wrong when i have gotten multiple reports of credit banking and mortgages but no one can find my account, rather my credit rating is taking hits and reaching below 700 points, without legal or due process and by my knowledge of whats being reported by who and why?
You have requested the same information that i have forwarded to you on three occasions but state in your letter [ s ] that you cant find a file on me and my name social security number address phone number. All this information was presented to you by me. The alleged banks involvedXXXX XXXX have also claimed to reported my private information but your agency claims to not be able to find records. How is this possible?
|
11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
The XXXX rights, rights of XXXX, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust. Anyone found holding any legal title in XXXX XXXX XXXX belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the XXXX interest and the beneficiary, a usurpation of the beneficiarys rights, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the interest of the XXXX XXXX and its members as XXXX XXXX : To my knowledge, as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment With regard to any access to education records procedures outlined in Title 20 U.S. Code 1232g must be followed and insure the records are not inaccurate, misleading, or otherwise in violation of the privacy rights of students, and to provide an opportunity for the correction or deletion of any such inaccurate, misleading or otherwise inappropriate data contained therein ; Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud and unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and Experian are consumer reporting agencies and I am the Consumer Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, a conflict of interest against the equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Title 28 U.S. Code 1746.
XXXX XXXX XXXX XXXX XXXX Living XXXX XXXX XXXX Non-person, Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED / XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX/ XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED / XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED / XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED / XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED / XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED / XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX ACT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
UNKNOWN ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
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12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In accordance with the fair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.federally 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
The account was supposed to be closed a long time ago i took the Defendant to XXXX XXXX XXXX XXXX XXXX.
XXXXXXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX FL XXXX The vehicle they sold me was faulty on XX/XX/XXXX while i was driving on the highway the vehicle engulfed in flames while i was driving it had a huge engine fire car ended up blowing up the brakes stopped working so i had to jump out of the moving vehicle that was on fire above iv'e provided the fire report and incident details also the small claims settlement i was paid from the dealership they owed me XXXX i should've never been in credit with this car dealership.
XXXX - XXXX Fire Incident Report Basic Incident Date : XX/XX/XXXX State : FL Exposure : XXXX Location Type : XXXX Directions Wildland FDID : XXXX XXXX Mobile property ( vehicle ) fire, other Incident Type Aid Type : XXXX None Alarm : XX/XX/XXXX XXXX Cleared : XX/XX/XXXX XXXX XXXX. ) XXXX Provide basic life support ( BLS ) XXXX Fire Control or Extinguishment, Other {$10000.00} Contents Loss : {$0.00} Property Loss : {$10000.00} Contents Value : {$0.00} Property Value : XXXX Not mixed use XXXX Highway or divided highway XXXX XXXX : XXXX Dates & Times Address : XXXX XXXX XXXX, FL XXXX Given or Received Arrival : XX/XX/XXXX XXXX Controlled : State : FL Incident Number : Exposure : See XXXX Report for patient transported.
XXXX Report : XXXX found a vehicle on the side of XXXX XXXX with a heavily involved engine compartment fire. XXXX pulled from XXXX and fire quickly extinguished. XXXX performed and the vehicle was searched. Driver stated he was driving and began smelling smoke and saw flames. Driver was transported to ER for evaluation of respiratory distress.
XXXX XX/XX/XXXX XXXX XXXX FL Remarks L Fire Incident Report NFIRS - XXXX Fire Number Residential Units : XXXX Buildings Involved : XXXX Acres Burned : XXXX On-Site Materials or Products Material XXXX : XXXX None Storage : Material XXXX : Material XXXX : Human Factors XXXX Engine area, running gear, wheel area Area of Ignition : XXXX Undetermined Heat Source : XXXX Undetermined Item First Ignited : Type of Material First Ignited : U Cause undetermined after investigation Cause of Ignition : X None Asleep Possibly impared by alcohol or drugs Unattended person Possibly mentally XXXX Physically XXXX Multiple Persons Age was a factor Estimated age of person involved : XXXX Gender : Factors Contributing to XXXX XXXX None XXXX. ) XXXX. ) Fire Suppression Factors XXXX. ) NNN None XXXX. ) XXXX. ) Equipment Involved in Ignition Brand : Model : Serial # : Year : XXXX XXXX XXXX XXXX XXXX XXXX Involved in ignition and burned Type : XXXX Passenger car.
Make : XXXX XXXX Model XXXX XXXX XXXX License Plate XXXX FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX State : FL Exposure : XXXX Fire Incident Report XXXX - XXXX Structure Fire Minor ( XXXX % ) Significant ( XXXX % ) Heavy ( XXXX % ) Extreme ( XXXX % ) B Injured Person C Fire Incident Report NFIRS - XXXX Fire Service Casualty Equipment Failure Fire Incident Report NFIRS - XXXX Apparatus Department : A Incident Date : Incident Number : XXXX State : FL XX/XX/XXXX Unit Name : XXXX Use : SUPPRESSION Remarks Title : Dispatched : XX/XX/XXXX XXXX Cleared : XX/XX/XXXX XXXX On Scene : XX/XX/XXXX XXXX Unit Name : XXXX Use : XXXX Remarks Title : Dispatched : XX/XX/XXXX XXXX Cleared : XX/XX/XXXX XXXX On Scene : Apparatus Totals XXXX XXXX Suppression XXXX Other XXXX Fire Incident Report NFIRS - XXXX XX/XX/XXXX XXXX SAXTON XXXX XXXX XXXX XXXX FALCONE, XXXX XXXX Suppression XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Suppression XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ID # Name Unit Role A Department : Incident Date : Incident Number : XXXX State : FL XXXX XXXX, XXXX XXXX XXXX DE LA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PASTOR, XXXX XXXX XXXX IN XXXX XXXX COURT IN AND FOR XXXX XXXX XXXX, FLORIDA CASE NO. : XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, PLAINTIFF, v.
XXXX XXXX XXXX, DEFENDANT.
_______________________ STIPULATION AND ORDER FOR PAYMENT WITH JUDGMENT UPON DEFAULT AND ORDER DIRECTING CLERK TO CLOSE FILE The undersigned parties to this action stipulate that : XXXX. The XXXX agrees to accept and the Defendant agrees to pay to XXXX {$600.00} plus {$0.00} court costs and {$0.00} attorney fees, for a total of {$600.00} in full settlement of the above styled action.
XXXX. Entry of this judgment is stayed provided XXXX makes a payment of {$600.00} on or before XX/XX/XXXX. In the event of a default, XXXX will be entitled to a judgment in the amount of {$600.00} less monies paid.
XXXX. On affidavit ( notarized letter ) of non-payment filed by Plaintiff, specifying the amount paid and the remaining balance due, with a copy mailed to Defendant, a final judgment shall be entered against the Defendant, without further notice or hearing, for the remaining balance of the amount agreed to in paragraph XXXX ( XXXX. ).
XXXX. Payments are to be made by mail or delivery to XXXX XXXX at Defendants place of business located at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX.
THE REMAINDER OF THIS PAGE LEFT BLANK. CONTINUED ON PAGE XXXX.
Page XXXX of XXXX The current mailing address of the Defendant is : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX.
XXXX. All changes in address shall be given in writing by filing a new address notice ( letter ) with the XXXX XXXX XXXX, which must show that copies were mailed to all parties.
AGREED and SIGNED on this XXXX day of XXXX, XXXX.
Agreed to by parties in Court ( Remotely ) __________________________ XXXX XXXX XXXX ATTORNEY FOR PLAINTIFF PLAINTIFF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ATTORNEY FOR DEFENDANT DEFENDANT XXXX XXXX XXXX By : XXXX XXXX, XXXX XXXX XXXX APPROVING STIPULATION AND ORDER OF DISMISSAL It is ORDERED AND ADJUDGED that the parties are to abide by the terms of this Stipulation.
This action is dismissed and is administratively closed with jurisdiction reserved only to enforce this Stipulation.
XXXX XXXX XXXX XXXX XXXX XXXX Name Address Email XXXX XXXX XXXX XXXX.
XXXX SOUTH XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX
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07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
CFPB you are responsible for investigating this company. I am not going to stop going after EQUIFAX until this is resolved. MY NEXT STEP IS LAWSUIT. This company still isn't reporting anything accurately. It's unlawful to project their legal obligations onto another company/entity. I have provided sufficient proof in my disputes. They willfully choose to ignore the laws and their responsibility to the laws that govern their business. My credit score is 60-100 pts lower than it actually should be due to their negligence. The still haven't resolved a single thing, and are simply responding. Their investigation is closed and nothing was resolved. I have sufficient proof to their negligence and will now have to sue for a response.
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This company still isn't reporting anything accurately. It's unlawful to project their legal obligations onto another company/entity. I have provided sufficient proof in my disputes. They willfully choose to ignore the laws and their responsibility to the laws that govern their business. My credit score is 60-100 pts lower than it actually should be due to their negligence. The still haven't resolved a single thing, and are simply responding. Their investigation is closed and nothing was resolved. I have sufficient proof to their negligence and will now have to sue for a response.
EQUIFAX DID NOT DO WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT- STILL ILLEGALLY REPORTING ADDITIONAL COMMENTS THEY DID NOT INVESTIGATE ANYTHING, I HAVE PROVIDED MY PROOF AND ASKED FOR THEIRS, THEY REFUSE TO ESTABLISH THEIR PROOF OF VERIFICATION FOR THE ERRORS. BECAUSE IF THEY ACTUALLY INVESTIGATED THEY WOULD SEE THEIR OWN ERROR AND NOT BE REPORTING THE WAY THEY ARE.
XXXX-To date this year 2021 I have sent 6 formal and detailed disputes with Equifax via mail regarding 13 different inaccuracies and wrongful reporting. Additionally I have tried to dispute online but with difficulty and no resolution. I've logged over 19 hours on the phone with this company in an effort to resolve. The agents like clock work will look for a reason not to talk to you, will drop the call and put you on lengthy holds before ending the call. There's no reasonable effort at all made by Equifax to speak to a consumer. My credit file is also a SPLIT FILE, and they will not resolve this. Because my file is split I have extraordinary challenges to speak to someone and I am always given scripted responses vs any resolution. I have requested their executive team and have been denied access. I have requested supervisor attention as nearly every single tradeline reporting is inaccurate. I have gotten no help at all from Equifax. I have been grossly ignored. Despite more than 150 pages of documentation sent since XXXX this year. Equifax has not responded to these several notices of inaccuracies under the FCRA to the disputes sent to them and has given me above normal challenges in getting the information corrected. These egregious errors cause significant hardships in obtaining credit and I seek help from my state and federal offices in enforcing the laws that Equifax continues to ignore. I am also a victim of their fraud and data breach so you would think this would be a motivating factor for them. Equifax seems to be given excessive privileges in facing corporate America and is abusive without limitations in practice to the consumer. I seek urgent remedy and support from my state and federal government in facing this giant as they have ignored my reasonable efforts.
ATTACHMENTS XXXX ( 397.9 KB ) XXXX ( 223.7 KB ) XXXX ( 4 MB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 37.4 KB ) Company response is in progress as of XX/XX/2021 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.
COMPANY 'S INTERIM RESPONSE Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings.
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products.
This company still isn't reporting anything accurately. It's unlawful to project their legal obligations onto another company/entity. I have provided sufficient proof in my disputes. They willfully choose to ignore the laws and their responsibility to the laws that govern their business. My credit score is 60-100 pts lower than it actually should be due to their negligence. The still haven't resolved a single thing, and are simply responding. Their investigation is closed and nothing was resolved. I have sufficient proof to their negligence and will now have to sue for a response. Thanks CFPB for nothing.
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This company still isn't reporting anything accurately. It's unlawful to project their legal obligations onto another company/entity. I have provided sufficient proof in my disputes. They willfully choose to ignore the laws and their responsibility to the laws that govern their business. My credit score is 60-100 pts lower than it actually should be due to their negligence. The still haven't resolved a single thing, and are simply responding. Their investigation is closed and nothing was resolved. I have sufficient proof to their negligence and will now have to sue for a response. Thanks CFPB for nothing.
EQUIFAX DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT- STILL ILLEGALLY REPORTING ADDITIONAL COMMENTS THEY DID NOT INVESTIGATE ANYTHING, I HAVE PROVIDED MY PROOF AND ASKED FOR THEIRS, THEY REFUSE TO ESTABLISH THEIR PROOF OF VERIFICATION FOR THE ERRORS. BECAUSE IF THEY ACTUALLY INVESTIGATED THEY WOULD SEE THEIR OWN ERROR AND NOT BE REPORTING THE WAY THEY ARE.
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02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditors # and the ALLEGED dates of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my consumer credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non compliance to reporting obligations so to retain or return to appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity.If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you consumer, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further I am also requesting that they remove any and all of my personal information from your records. Last XXXX of XXXX : XXXX Date of Birth : XX/XX/XXXX In the event it is needed to locate the potentially injurious and fraudulent inquiry in their system. I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry. I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) complies with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights. I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4 ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance! You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself.
|
08/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I just received my investigation results. File Number # XXXX and saw some accounts were verified. However, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
2. Account Name : XXXX Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
3. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
4. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
5. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
6. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
7. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
8. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
9. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
10. Account Name : XXXX Account Number : XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
11. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
12. Account Name : DEPT OF ED/XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
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02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I placed complaint case # XXXX with the CFPB on XX/XX/XXXX regarding student loan account ending in " XXXX '' that is currently reporting inaccurately due to regulatory compliance violations including XXXX " Unfair or Deceptive Acts or Practices, '' XXXX " Truth in Lending Act, '' and the XXXX " Fair Credit Reporting Act '' by XXXX XXXX XXXX XXXX XXXX and the associates I spoke to on XX/XX/XXXX, and XX/XX/XXXX. This is in reference to XXXX XXXX case # XXXX.
The XXXX and XXXX regulatory violations and Background are as follows : XXXX. I spoke to XXXX XXXX 's student loan department on XX/XX/XXXX to request a possible forbearance. I was told in this conversation that I had no forbearance time available, that I had a past balance due, and there was nothing that could be done due to the loan transferring to XXXX XXXX. I then asked about any possible repayment options, and was told that I could speak to the payment assistance team. I was then transferred to that department, and was told the same response. This response seemed incorrect, unfair, and deceptive.
XXXX. I called XXXX XXXX again on XX/XX/XXXX because the previous conversation regarding the forbearance, and not having options available due to the loan being transferred sounded incorrect, unfair, and deceptive. In the phone called, I asked the same questions regarding forbearance, and about payment options. I was told that I could make payments until the XX/XX/XXXX, but I would have to speak to XXXX regarding any other issues due to the loan being transferred. Again, this seemed to be incorrect, unfair, and deceptive.
XXXX. After the loan was transferred to XXXX on XX/XX/XXXX, I called them immediately, and made the same request regarding forbearance and possible repayment options, and they immediately accepted my request under the condition that I still had forbearance time available under the contractual terms and conditions transferred from XXXX XXXX with the loan ending in XXXX. On XX/XX/XXXX it was confirmed that I had been approved for forbearance under the same contractual terms as XXXX XXXX. XXXX also backdated the forbearance to cover previous monthly payments, but due to the transfer taking place before the forbearance was initiated, XXXX could not backdate the negative reporting any earlier than XX/XX/XXXX. A request was made to XXXX XXXX to remove the negative late payment reporting by XXXX XXXX with no response.
I have included letters that prove XXXX approved the forbearance of the transferred loan, and the original welcome letter from XXXX that confirms XXXX XXXX terms and conditions will be used for the servicing of the loan, and specifically reads ". Even though your student loan ( XXXX ) transferred, the terms and conditions of your loan ( XXXX ) have not changed. '' Letters will be attached for documentation purposes.
I am also filing an additional complaint of " XXXX '' regulatory compliance violations due to the the response I receive during a phone call with XXXX XXXX XXXX XXXX. XXXX Office Case XXXX XXXX XXXX on XX/XX/XXXX at XXXX EST. The call duration was XXXX XXXX. Please reference the pre-disclosed monitored and recorded call in this time frame as evidence to this complaint as well as XXXX XXXX case # XXXX response letter dated XX/XX/XXXX. Also refer to XXXX XXXX case # XXXX response letter dated XX/XX/XXXX.
The regulatory XXXX violations are as follows : XXXX. XXXX XXXX called me on XX/XX/XXXX with a resolution to my CFPB compaint # XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX named XXXX XXXX attempted to give and explain the resolution. Unfortunately the resolution explained contained false information regarding my first conversation with XXXX XXXX on XX/XX/XXXX. XXXX XXXX claimed that on XX/XX/XXXX, the representative I spoke to gave me to option to " Pay '' my outstanding balance in exchange for the submittal of a " possible '' forbearance. This information is falsified, and an option to submit a forbearance was not offered at any point in the conversation. This is also evidenced in the second call that was made on XX/XX/XXXX when I made the same request for forbearance. But no option of forbearance was offered under any circumstance from XXXX XXXX on either call on XX/XX/XXXX or XX/XX/XXXX. XXXX XXXX XXXX attempted to give an explanation of the call on XX/XX/XXXX when I asked her to justify the reason she had notes regarding the purpose for the duplicate call for forbearance, but the call notes contained no evidence or reference to actually answering my question regarding forbearance. The word " Forbearance '' was not even used once in the representative response call record on XX/XX/XXXX. And instead, the rep again informed me that I had past due balance that I could pay until the XX/XX/XXXX, and to contact XXXX regarding any other issue, and therefore avoiding the forbearance conversation and solution entirely. I brought up this contradiction to XXXX XXXX during the conversation, and instead of agreeing to further investigate the matter, she attempted to falsify and report to me a potential narrative and explanation of why the notes of the call don't contain information regarding my request by stating " They probably read the notes of the previous call and assumed that because you spoke to someone else about forbearance, you already knew the information and they didn't need to explain. '' Not only does this show inconsistencies in the response by XXXX XXXX XXXX XXXX servicing team by refusing to service a transferring account. But it also shows that in cases containing inconsistencies and contradicting information, XXXX XXXX regulatory Executive Office Case Specialists can create, and falsify narratives to explain information they don't have facts or documentation to verify. I told XXXX XXXX to resubmit the complaint referencing the conversation I was having with her as a part of the complaint as well.
I received another letter dated XX/XX/XXXX in response to that complaint request with XXXX XXXX. On XX/XX/XXXX, which was even further redacted than the first letter, made no mention of the issues I raised in the phone call with XXXX XXXX, and made no mention to the call I made on XX/XX/XXXX to XXXX XXXX, as if they are trying to omit and hide relevant information.
Furthermore, the letter I received on XX/XX/XXXX specifies that XXXX XXXX had confirmed repayment letters were sent to the address on file, and also confirmed that statements were mailed to the address on file. The letter states that in the enclosed envelope are copies of each repayment letter and statement for my review. However, not a single repayment letter, nor statement was enclosed with the letter.
All documentation will be attached.
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12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 2. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 3. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 4. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 8. Violation to my rights 15 U.S.C 1681 ( a ) ( 4 ) violation XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
9. I Was Never Late on this account XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
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06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX, EQUIFAX, XXXX XXXX REPORTING AGENCIES ( REMOVING INQUIRIES ) 18 U.S. Code 914 - Creditors of the United States Whoever falsely personates any true and lawful holder of any share or sum in the public stocks or debt of the United States, or any person entitled to any annuity, dividend, pension, wages, or other debt due from the United States, and, under color of such false personation, transfers or endeavors to transfer such public stock or any part thereof, or receives or endeavors to receive the money of such true and lawful holder thereof, or the money of any person really entitled to receive such annuity, dividend, pension, wages, or other debt, shall be fined under this title or imprisoned not more than five years, or both.
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) 18 U.S. Code 798 - Disclosure of classi! ed information ( a ) Whoever knowingly and willfully communicates, furnishes, transmits, or otherwise makes available to an unauthorized person, or publishes, or uses in any manner prejudicial to the safety or interest of the United States or for the
bene! t of any foreign government to the detriment of the United States any classi! ed information ( 1 ) concerning the nature, preparation, or use of any code, cipher, or cryptographic system of the United States or any foreign government ; or ( 2 ) concerning the design, construction, use, maintenance, or repair of any device, apparatus, or appliance used or prepared or planned for use by the United States or any foreign government for cryptographic or communication intelligence purposes ; or ( 3 ) concerning the communication intelligence activities of the United States or any foreign government ; or ( 4 ) obtained by the processes of communication intelligence from the communications of any foreign government, knowing the same to have been obtained by such processes Shall be! ned under this title or imprisoned not more than ten years, or both. ( b ) As used in subsection ( a ) of this section The term classi! ed information means information which, at the time of a violation of this section, is, for reasons of national security, speci! cally designated by a United States Government Agency for limited or restricted dissemination or distribution ; The terms code, cipher,
and cryptographic system include in their meanings, in addition to their usual meanings, any method of secret writing and any mechanical or electrical device or method used for the purpose of disguising or concealing the contents, signi! cance, or meanings of communications ; The term foreign government includes in its meaning any person or persons acting or purporting to act for or on behalf of any faction, party, department, agency, bureau, or military force of or within a foreign country, or for or on behalf of any government or any person or persons purporting to act as a government within a foreign country, whether or not such government is recognized by the United States ; The term communication intelligence means all procedures and methods used in the interception of communications and the obtaining of information from such communications by other than the intended recipients ; The term unauthorized person means any person who, or agency which, is not authorized to receive information of the categories set forth in subsection ( a ) of this section, by the President, or by the head of a department or agency of the United States Government which is expressly designated by the President to engage in communication intelligence activities for the United States.
( c ) Nothing in this section shall prohibit the furnishing, upon lawful demand, of information to any regularly constituted committee of the Senate or House of Representatives of the United States of America, or joint committee thereof.
( d ) ( 1 ) Any person convicted of a violation of this section shall forfeit to the United States irrespective of any provision of State law ( A ) any property constituting, or derived from, any proceeds the person obtained, directly or indirectly, as the result of such violation; and ( B ) any of the persons property used, or intended to be used, in any manner or part, to commit, or to facilitate the commission of, such violation.
( 2 ) The court, in imposing sentence on a defendant for a conviction of a violation of this section, shall order that the defendant forfeit to the United States all property described in paragraph ( 1 ).
( 3 ) Except as provided in paragraph ( 4 ), the provisions of subsections ( b ), ( c ), and ( e ) through ( p ) of section 413 of the Comprehensive Drug Abuse Prevention and Control Act of 1970 ( 21 U.S.C. 853 ( b ), ( c ), and ( e ) ( p ) ), shall apply to ( A ) property subject to forfeiture under this subsection ; ( B )
any seizure or disposition of such property ; and ( C ) any administrative or judicial proceeding in relation to such property, if not inconsistent with this subsection.
( 4 ) Notwithstanding section 524 ( c ) of title 28, there shall be deposited in the Crime Victims Fund established under section 1402 of the Victims of Crime Act of 1984 ( 42 U.S.C. 10601 ) [ 1 ] all amounts from the forfeiture of property under this subsection remaining after the payment of expenses for forfeiture and sale authorized by law.
( 5 ) As used in this subsection, the term State means any State of the United States, the District of Columbia, the XXXX of XXXX XXXX, and any territory or possession of the United States.
( Added XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC Ch. 41 : CONSUMER CREDIT PROTECTION From Title 15COMMERCE AND TRADE 1679-1679j ; 1681o Civil liability for willful noncompliance ; Civil liability for negligent noncompliance. 1681p. Jurisdiction of courts ; limitation of actions. 1681q. Obtaining information under false pretenses. 1681r. Unauthorized disclosures by officers or employees. 1681s. Administrative enforcement. 1681s1 ; Harassment or abuse. 1692e. False or misleading representations. 1692f. Unfair practices. 1692g. Validation of debts. 1692h. Multiple debts. 1692i. Legal actions by debt collectors. 1692j. Furnishing certain deceptive forms. 1692k. Civil liability. 1692l. Administrative enforcement. 1692m ; Exemption for State regulation. 1692p Exception for certain bad check enforcement programs operated by private entities 1693 ;
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08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX, XXXX, Equifax, and XXXX have all violated my rights as a natural person, in accordance with the Fair Credit Reporting Act, in regard to my closed account # XXXX with XXXX XXXX XXXX.
Recently I looked into each of my credit scores and found that each credit bureau had a different version of my closed XXXX XXXX account. They had differing days/months of closing, extra late payments, and wrong amount of days that it is delinquent. To my surprise, they resolved the dispute within a couple of days. Yet again with wrong information with all of them : XXXX XXXX took off all of the late payments and took off about 60 % of my payment history on XXXX ( they only had about 75 % of my credit history to begin with ), the transunion account was made to match my account on XXXX, and XXXX was marked correct. Two days after the resolution of my dispute, I noticed that XXXX XXXX updated my account, yet again, on all three bureaus. This time it said XXXX XXXX changed the month from being late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to being late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for my account on XXXX and reinserted the late payments to my Equifax account. XXXX XXXX reported to XXXX and XXXX that my late payments were 30 days late on XX/XX/XXXX and XX/XX/XXXX ; 60 days late on XX/XX/XXXX and XX/XX/XXXX. On Equifax, XXXX XXXX inserted that I was late 60 days on XX/XX/XXXX and XX/XX/XXXX ; 90 days late on XX/XX/XXXX and XX/XX/XXXX. My credit history on my XXXX XXXX account for all of the 2017 year, a couple of months at the beginning of XXXX, and XXXX of XXXX ( XX/XX/XXXX was marked as current on Equifax ) marked as unknown for all bureaus after the update that was after the supposedly resolved dispute. My equifax report before the dispute lacked all payment history until the supposed first late payment and showed my account as current after the supposed last late payment, however, XXXX and XXXX had my full payment history from XX/XX/XXXX to XX/XX/XXXX. After Credit Acceptance updated my account after the dispute, I found that the Reinvestigation Info on my Experian account still states This item remained unchanged from our processing of your dispute in XX/XX/XXXX. When it had in fact been changed AFTER the dispute had been supposedly resolved. I also noticed that the address and phone number is different on Equifax than it is on XXXX and XXXX. The account Equifax lists the address as XXXX XXXX XXXX MILE XXXX, MI XXXX and phone number as ( XXXX ) XXXX ; XXXX and XXXX have their address and phone number listed as XXXX XXXX XXXX, XXXX MI XXXX and their phone number ( XXXX ) XXXX. The date of my last payment/close date was fixed with the dispute to the correct date XX/XX/XXXX, but when XXXX XXXX XXXX XXXX account after the supposed resolved dispute they updated that my last payment/close date is on XX/XX/XXXX. Also, XXXX XXXX XXXX isnt written out fully on my XXXX report. I dont understand how they could put effort into reinserting incorrect, deleted information with incorrect information, but not put effort into resolving my dispute accurately the first time. I wasnt even notified in writing of the reinsertion of the information within 5 days, I wasnt notified in writing at all.
I will say, I was XXXX days delinquent in XXXX ( not XXXX ), but I paid my bill early in XXXX, I paid before 30 days in XXXX and XXXX.
XXXX XXXX had reasonable cause to know that the information they twice inserted into my account since the original incorrect, insertion, if they had looked into my payment history, they could have accurately updated my account, and they were so negligent with the reinsertion of information after the dispute they didnt bother to check if it even matched the other reports with the incorrect information they updated the accounts of the other bureaus with.
Now for XXXX, Equifax, and XXXX, they clearly failed to do a thorough investigation. The bureaus failed to recognise this company with a clear pattern of a company compromising accuracy and integrity, further so without doing a thorough investigation and allowing them to reinsert and update information that was incorrect on an account that has been closed for more than two years. Which should be suspicious and flagged by the bureaus being that they updated on a closed account, without another dispute being filed. The information should have been blocked from being updated after supposedly being updated with what they claimed to be correct information after they concluded their investigation into my dispute, but it wasnt, which has really caused me to lose trust in the credit system. From what Ive read from complaints on the cfpb, bbb, and through word of mouth is that XXXX XXXX XXXX does shady business, but yet they are still in business and still allowed to ruin consumers finances and credit. You would think the Credit Bureaus would be flagging companies like this and keeping an eye on them. Regardless of the idea of flagging these companies the Credit Bureaus are supposed to have systems in place that ensure the accuracy of the information nor reinsertation according to the Fair Credit Reporting Act, but they clearly dont if this is a recurring issue with many consumers.
The specific Fair Credit Reporting Act laws that have been violated : 15 U.S. Code 1681i - 5 ( A ) ( i ) ; 15 U.S. Code 1681i - 5 ( B ) ( i ) ( ii ) ( iii ) ( I ) ( II ) ; 15 U.S. Code 1681i - 5 ( C ) ; 15 U.S. Code 1681i - 5 ( D ) ; 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ; 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( i ) ( ii ) ; 15 U.S. Code 1681s-2 ( b ) ( 1 ) ( E ) ( i ) ( ii ) ( iii ) ; 15 U.S. Code 1681s-2 ( b ) ( 2 ) ( B ) ; 15 U.S. Code 1681s-2 ( b ) ( 2 ) ( E ) ( i ) ( ii ) ( iii ) ( iv ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( A ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( B ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( C ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( D ) ; 15 U.S. Code 1681g ( 3 ) ( B ) ( i ) ( ii ) ; 15 U.S. Code 1681e ( b ) ; 15 U.S. Code 1681e ( d ) Due to these inaccuracies I had XXXX XXXX a car that kept XXXX down for years, despite constant repairs, putting my life and others lives in danger, TWICE to the car lot because I was denied the first time due to my credit and because it wasnt enough to trade in on its own, I had to trade it in and put almost a XXXX dollar down payment to get my new car, because this company made it look like I was an unreliable consumer. When I was struggling last year to get by financially, I was unable to refinance my car which also put a hard inquiry on my account further damaging it with nothing to show for it.
*Federal laws definitions are included in attachments, straight from the Fair Credit Report Act
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05/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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On XXXX , XXXX XXXX Requested that all bureaus remove this account as fraudulent. Please see attached CFPB report : XXXX XXXX is in receipt of the complaint filed with the Consumer Financial Protection Bureau ( " CFPB '' ) by XXXX XXXX XXXX . XXXX XXXX understands that XXXX XXXX 's CFPB complaint disputes the status of an alleged debt reported to credit reporting agencies and that she 's received threatening and harassing communications in an attempt to collect an alleged debt. XXXX XXXX records indicate a loan in the principal amount of {$1100.00} from XXXX XXXX XXXX XXXX was obtained online through XXXX ( " XXXX XXXX '' ) by completing a loan application and signing the loan agreement on XXXX XXXX XXXX . XXXX XXXX XXXX dba XXXX operates as a registered XXXX XXXX XXXX XXXX ( " XXXX '' ) matching borrowers with willing, unaffiliated lenders and servicing the resulting loans. Records indicate the loan proceeds were obtained in cash by visiting a XXXX XXXX location in XXXX , Texas using XXXX XXXX 's Texas state issued Identification Card. There was one payme nt in the amount of {$240.00} successfully made on XXXX XXXX XXXX , toward the outstanding loan account. The loan account was placed into default status on XXXX XXXX XXXX when no payment was received on the next due date. XXXX XXXX attempted to contact XXXX XXXX in attempt to bring her account current but was unsuccessful. XXXX XXXX placed the defaulted loan account with its third-party debt collection agency XXXX XXXX XXXX XXXX XXXX XXXX . ( " XXXX XXXX '' ) o n XXXX XXXX XXXX XXXX . XXXX XXXX attempted to contact XXXX XXXX but was also unsuccessful. XXXX XXXX began reporting the status of the delinquent loan account to credit reporting agencies on XXXX XXXX XXXX , as allowed by contract. On XXXX XXXX XXXX , XXXX XXXX received a CFPB complaint by XXXX XXXX disputing the debt as fraud. In the complaint, XXXX XXXX provided a copy of the Federal Trade Commission Identity Theft Affidavit supporting her claim. XXXX XXXX returned the fraudulent account to XXXX XXXX and made the proper entries online through XXXX to remove the tradeline from XXXX XXXX 's consumer credit reports. XXXX XXXX should be aware that it may take the credit reporting agencies up to 30 days for the consumer 's credit history to update. XXXX XXXX has moved the loan account to fraud status and blocked any further collection activity. In reference to the threatening and harassing emails received by XXXX XXXX , in an attempt to collect the alleged debt, XXXX XXXX records indicate that no attempt has been made to contact XXXX XXXX by either XXXX XXXX or XXXX XXXX since XXXX XXXX XXXX . The emails referred in XXXX XXXX 's complaint are not from XXXX XXXX or XXXX XXXX . XXXX / XXXX XXXX and its third-party debt collection agency, XXXX XXXX , abide by the Fair Debt Collection Practices Act and do not engage in threatening or harassing tactics in order to collect legitimate debt. XXXX XXXX is aware that, unfortunately, bad actors are posing as collectors for legitimate lenders in an attempt to defraud unsuspecting consumers by means of threats and harassment. XXXX XXXX is in receipt of the complaint filed with the Consumer Financial Protection Bureau ( " CFPB '' ) by XXXX XXXX XXXX . XXXX XXXX understands that XXXX XXXX 's CFPB complaint disputes the status of an alleged debt reported to credit reporting agencies and that she 's received threatening and harassing communications in an attempt to collect an alleged debt. XXXX XXXX records indicate a loan in the principal amount of {$1100.00} from XXXX XXXX XXXX XXXX XXXX was obtained online through XXXX ( " XXXX XXXX '' ) by completing a loan application and signing the loan agreement on XXXX XXXX XXXX . XXXX XXXX XXXX dba XXXX operates as a registered Texas XXXX XXXX XXXX ( " XXXX '' ) matching borrowers with willing, unaffiliated lenders and servicing the resulting loans. Records indicate the loan proceeds were obtained in cash by visiting a XXXX XXXX location in XXXX , Texas using XXXX XXXX 's Texas state issued Identification Card. There was one pay ment in the amount of {$240.00} successfully made on XXXX XXXX XXXX , toward the outstanding loan account. The loan account was placed into default status on XXXX XXXX XXXX when no payment was received on the next due date. XXXX XXXX attempted to contact XXXX XXXX in attempt to bring her account current but was unsuccessful. XXXX XXXX placed the defaulted loan account with its third-party debt colle ction agency XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) on XXXX XXXX XXXX . XXXX XXXX attempted to contact XXXX XXXX but was also unsuccessful. XXXX XXXX began reporting the status of the delinquent loan account to credit reporting agencies on XXXX XXXX XXXX , as allowed by contract. On XXXX XXXX XXXX , XXXX XXXX received a CFPB complaint by XXXX XXXX disputing the debt as fraud. In the complaint, XXXX XXXX provided a copy of the Federal Trade Commission Identity Theft Affidavit supporting her claim. XXXX XXXX returned the fraudulent account to XXXX XXXX and made the proper entries online through XXXX to remove the tradeline from XXXX XXXX 's consumer credit reports. XXXX XXXX should be aware that it t may take the credit reporting agencies up to 30 days for the consumer 's credit history to update. XXXX XXXX has moved the loan account to fraud status and blocked any further collection activity. In reference to the threatening and harassing emails received by XXXX XXXX , in an attempt to collect the alleged debt, XXXX XXXX records indicate that no attempt has been made to contact XXXX XXXX by either XXXX XXXX or XXXX XXXX since XXXX XXXX , XXXX . The emails referred in XXXX XXXX 's complaint are not from XXXX XXXX or XXXX XXXX . XXXX / XXXX XXXX and its third-party debt collection agency XXXX XXXX XXXX , abide by the Fair Debt Collection Practices Act and do not engage in threatening or harassing tactics in order to collect legitimate debt. XXXX XXXX is aware that, unfortunately, bad actors are posing as collectors fo r legitimate lenders in an attempt to defraud unsuspecting consumers by means of threats and harassment.
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04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is a new complaint PER THE EMAIL THAT WAS SENT TO ME on XX/XX/XXXX from EQUIFAX BREACH SETTLEMENT Today I got an email from XXXX Subject : Your Equifax Settlement Claim is Incomplete ( You Must Act or Your Claim Will Be Denied ) Your Claim Number : XXXX Dear XXXX XXXX XXXX : You filed a claim in the Equifax Data Breach Settlement. To be a Settlement Class Member you must have been one of the approximately 147 million U.S. consumers identified by Equifax whose personal information was impacted by the Data Breach that Equifax announced in XXXX of XXXX. However, according to Equifaxs records, you are not a member of the Settlement Class and are not eligible for Settlement benefits.
If you believe this determination was incorrect, you must provide proof of Class membership. This could include providing confirmation of a previous name you used or the email address where you received Settlement Notice so that we can attempt to locate you in our records.
You must provide proof of Class Membership by XX/XX/XXXX.
If you do not, your claim will be denied without further communication from the Settlement Administrator.
To submit proof of Class Membership, click here.
You can also submit proof of Class Membership by mail postmarked by XX/XX/XXXX. Please make sure to include your full name, mailing address, and Claim Number ( provided above ) and mail it to : Equifax Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX For more information about the Settlement, please visit the Settlement Website at www.EquifaxBreachSettlement.com.
This notice is from the Court-appointed Settlement Administrator ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact JND by email at XXXX, by phone toll-free at XXXX, or by mail at Equifax Data Breach Settlement XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX XXXX
Equifax Debt Settlement is violating laws and defaming my character which has caused me alot of damages : The XXXX XXXX XXXX XXXX XXXX Police Department also has my information on Police Report on file from my being a victim of Equifax I have attached court records verifying I am a verified victim of the Equifax Data Breach of XXXX. All my personal information was stolen and compromised.
I have attached Identity Theft Report and Police Report Two crimes happened : 1. Cyber criminals took my info from 2. Equifax, Equifax Data Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) I was mislead as a consumer ( UDAAP ) this was the law that was broken Cyber Crime with Equifax Identity Theft with Equifax on XX/XX/XXXX In XX/XX/XXXX, Equifax announced that it had been the victim of a criminal cyberattack on its systems. The attackers gained unauthorized access to the personal information of approximately 147 million U.S. consumers. This information included peoples names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers, credit card numbers, or other personal information.
I was mislead as a consumer ( UDAAP ) this was the law that was broken that allows me to have {$20000.00} paid to me due to the Equifax Data Breach. I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : XXXX In re Equifax Data Breach Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Equifax Claim Number XXXX - claim was received on XX/XX/XXXX I was mislead as a consumer ( UDAAP ) this was the law that was broken that allows me to have {$20000.00} paid to me due to the Equifax Data Breach.
I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} XXXX XXXX XXXX In re Equifax Data Breach Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXXSection 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. It is also my understanding that Under the U.S.C. 1681, ever single one even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations Identity Stolen Denied XXXX AND XXXX lost XXXX due to XXXX XXXX reporting Denied Unemployment Denied forbearance on school loans Had to pay more for car insurance Had to spend extra money due to suffering and had to have medical treatment due to stress, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and breathing heavy after I found out I was affected and my personal info had been compromised and or stolen from Equifax.
I was denied mortgages Charged a higher deposit on home rentals Could not finance a vehicle Everything will have to be logged Screenshots of every time I order a credit report Copies of mail Phone calls to credit bureau ( logged ) Notarized affidavit of truth Dr appt for XXXX XXXX Identity Theft ( Notarized ) Police Report Refusals for XXXX and loans Refused for jobs and credit applications Turned down for mortgage or credit Talked to counselor for stress ( receipts or proof ) Massage ( receipt ) tense due to you being a victim of your stuff stolen I have already sent via certified mail with tracking # the following and sent to Equifax Breach Settlement # I spent {$100.00} My priority mail packaging, box and weigh was XXXX Receipt attached Police Report FTC Report Notarized Identity Theft Affadavit Notarized Affadavit of Truth My ID Equifax Claim # Court Orders ( 2 ) UDAAP FCRA report This new complaint will also be sent to Georgia Attorney General, BBB, and other federal entitites so that it is tracked as evidence and that the EQUIFAX DATA BREACH SETTLEMENT is not in compliance with the Judge 's mandatory court order and if my rights continue to being violated and they continue to break the law, I will be forced to take legal actions for actual damages when there has been negligent noncompliance. " Compensatory damages AND Punitive damages. '' Governing Law. This Letter of Intent shall be governed under the laws of the State of Georgia.
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09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. XXXX. The inquiry was not authorizeXXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. XXXX there is some inaccurate information reporting.
XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. US DEPT ED Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. US DEPT ED Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. DEPTEDXXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXXhe following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report.
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01/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Date : XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditors # and the ALLEGED dates of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX - XX/XX/22 XXXX XXXX XXXX- XX/XX/22 XXXX XXXXXXXX - XX/XX/22 I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my consumer credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non compliance to reporting obligations so to retain or return to appropriate status of certified metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity.If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you consumer, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further I am also requesting that they remove any and all of my personal information from your records.
Last 4 of SSN : XXXXDate of Birth : XXXXIn the event it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) complies with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). I am certain that you
know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4 ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself.
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08/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Dear Concerned Credit Reporting Bureau And XXXX XXXX XXXX XXXX : This is a formal Complaint by XXXX XXXX ( full SSN XXXX, my address is above ) and addressed to the receivers of it or it is against your institution XXXX XXXX XXXX so this Complaint also is against you the credit bureau. I am complaining against your failure to investigate appropriately and diligently a matter that I disputed with you. I am complaining against you for not willing to comply and remove inaccurate information off my records that you store in your databases and it has a significant impact on my financial reputation and my well being and other personal impacts.Your failure is a violation of the Fair Credit Reporting Act FCRA as a credit bureau who kept innacurate Information on my current credit report despite I proved to you that inaccuracy. You failure is in violation of the Consumer Financial Protection Act Of 2010 CFPA, your consent order with the Office Of The Comptroller of the Currency OCC and also your consent order with the Consumer Financial Protection Bureau CFPB as to XXXX XXXX XXXX who introduced that same exact inaccurate information against my financial records as shown in my current credit report. XXXX XXXX XXXX XXXX committed more than continouing to keep inaccurate information against me and in retaliation against me after knowing the fact and motivated by my protected activities againt this bank. The subject of this complaint is clear and is about inaccurate information in my financial records with you. After this complaint and any situation after this, I reserve all my rights and all stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any type and at any time and by my person or my representative and without waiving my rights.
What is the innacurate Information that was disputed and kept against my will by the violators?
Recently, upon monitoring my credit report with the concerned credit bureau institution, I discovered innacurate information on the report. The innacurate Information is without a doubt, the malicious use and forgery against my information. I will further specify the innacuracy found, disputed, requested it to be corrected or removed with my supporting evidences provided or stated to your company but still you kept it unchanged against my will and in violation of the law.
my XXXX XXXX Bank credit account number XXXX ( account ending in XXXX ) which I opened on XX/XX/XXXX with credit line of {$5000.00} shows on my credit report as closed which is something I rejected it to those concerned and I also have a legal dispute about it and other issues and with XXXX XXXX XXXX not only as their customer but also as an employee of that bank.
The innacuracy is the wrong information shown on a new XXXX XXXX XXXX account number different from the above ( I will name it : cover-up Account ) which is under my Information and XXXX XXXX XXXX was noticed or informed of my rejection of its existence and I believe it is a fraudulent Account opened intentionally by XXXX XXXX XXXX.opening the cover-up Account is fraud and this is a different subject in different case not the primary subject of this complaint which I described above XXXX I believe XXXX XXXX violated the above referenced consent order to open an account with my information and against my will. The cover-up account was opened under my information but against my will,, that is a fact that is not what I disputed with you credit bureau. I further informed you in my dispute that XXXX XXXX account shown open now in my credit report ( or the cover-up account ) never existed and/or recorded in any of my credit reports or my XXXX XXXX XXXX statement at any time prior to the month of XX/XX/XXXX and there is no way you can prove the opposite of this fact.. It is innacurate Information that cover-up Account is shown now in my current credit report with you as an account that was opened before this year of XX/XX/XXXX. Indeed, that is inaccurate and after I disputed it is still on my credit report as if it was opened in year XX/XX/XXXX or before year XXXX knowing it never existed before XXXX.. Isnt inaccurate to say that account was opened in year XX/XX/XXXX and it was not.For the credit bureau now and again through the CFPB platform and in this complaint against you, please delete the inacurate information and make sure a complete information is recorded on any of my accounts within your credit bureau. Just deleting when an account opened without further completeness is still in violation the FCRA. You didnt do anything about the inaccurate information as a credit bureau and it is your obligation .For XXXX XXXX XXXX , you committed fraud against me by opening that account ending in against my will and reporting it the way it is now on my credit report, with inaccurate information meant to cover up your other violations against me but you are to stay assured that you will be held accountable in court.
Both the credit bureau and XXXX XXXX XXXX are conspiring against my person. The credit bureau insisting to keep inaccurate information to cover up XXXX XXXX XXXX fraud againt me is illegal. Each one of you is to assume the full legal consequences of your actions that I believe you did againt me in violation of the law.
whether you are XXXX XXXX Bank or the credit bureau you are responsible for the accuracy of my information by law especially when I disputed an inaccuracy and/or incorrect information about me and within you control and I proved to you by evidence that account information is inaccurate and/or should never existed XXXX You are obligated to correct the inaccuracy which I believe is Fraud for your knowledge that is wrong and you insist to keep it. I believe you are violating my rights and with recklessness and you were given many chances and enough time but you failed to comply to law and respect your obligations toward my personal data or my information. You must comply to the law XXXX XXXX Bank and the credit bureau. You are going to be sued and no one will stop that without returning to me or my representative and without Waiving my rights and all my rights reserved to me or my representative.
I consent to the CFPB to view my credit reports before this year XX/XX/XXXX and the current one with the inaccurate information as detailed above.
The violators has access to what they need to comply with the law and stop their retaliation and harassment almost in daily basis and againt a singled man but protected by law and before that by God.
Very Respectfully, The complainant Today is XXXX XXXX
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10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Equifax has continually placed fraudulent data on my credit report. They have accounts listed on there even that were lost or stolen cards and the cards don't even exist with the company anymore. There is a XXXX XXXX XXXX card on there it shows a limit of {$3000.00} with a balance of {$2800.00}, I don't have a {$3000.00} limit card with XXXX XXXX, and they aren't sure why Equifax is reporting incorrect information. On top of that Equifax is listing a fraudulent address as my address, I do not live at that address, and they list my actual primary address as a second address again it's shady. I want the fraudulent accounts removed from my credit file, and the fraudulent address removed from my credit file that I didn't authorize be placed on my credit file, and my drivers license doesn't even match that address. Equifax Fraudulent accounts are listed below, There is a long list they have a ton of accounts that don't actually exist or were closed due to fraud.
Fraudulent Address, that is listed on the IdentityTheftAffidavit from the FTC which is Law Enforcement Recognized below.
XXXX XXXX XXXX XXXX, XXXX TX XXXX.
Account # 1 XXXX XXXX - Opened XX/XX/XXXX Balance {$770.00} Credit Limit {$1000.00} Account # 2- XXXX XXXX XXXX XXXX opened on XXXX XXXX says reported XXXX XXXX XXXX XXXX told me this card doesn't even exist yet Equifax shows it no other credit reporting agency shows this account, and seems odd it hasn't updated since XXXX.
Account # 3- XXXX XXXX - Opened XXXX XXXX Balance {$1500.00} Credit Limit {$1100.00} This account is fraudulent and was not authorized. Opened from an Identity Thief.
Account # 4 - XXXX XXXX - Opened XXXX XXXX Balance {$3300.00} Credit Limit {$6500.00} This account is fraudulent and was not authorized. Opened from an Identity Thief Account # 5- XXXX XXXX XXXX Opened on XXXX XXXX Balance {$4600.00} Credit limit {$2600.00} This account was a result of identity theft. Opened from a thief using stolen identity.
Account # 6- XXXX XXXX XXXX Opened on XXXX XXXX Balance {$11000.00} Credit Limit {$4800.00} This account is identity theft, Opened from an Identity Thief using stolen identity information. This account is fraud, and was not authorized.
Account # 7- XXXX XXXX XXXX XXXX Opened on XXXX XXXX Balance {$2100.00} Credit Limit {$2000.00} This account is the result of identity theft, was opened as a fraudulent account which I never received from a thief. Additionally, this account is not on any other consumer report besides Equifax.
Account # 8- XXXX XXXX XXXX XXXX - Opened on XXXX XXXX Balance {$15000.00} Credit limit {$15000.00} This account is the result of identity theft, this account was not authorized this account is fraudulent.
Account # 9- XXXX XXXX XXXX XXXX XXXX Opened on XXXX XXXX, Balance {$10000.00} Credit Limit {$10000.00} This account is the result of identity theft, this account was not authorized and Equifax is the only credit agency reporting this fraudulent account the company has agreed it's fraud.
Account # 10- XXXX XXXX XXXX XXXX Opened on XXXX XXXX Balance shows as {$4300.00}, This is inaccurate as XXXX only shows a balance of {$800.00} And Equifax is reporting this fraudulent account without updating data.
Account # 11- XXXX XXXX XXXX Opened on XXXX XXXX Balance {$980.00} Credit Limit doesn't show instead it shows a highest balance in the credit limit slot of {$1000.00} again Equifax reporting fraudulent accounts with incorrect data Account # 12- XXXX XXXX - Opened on XXXX XXXX Balance {$3800.00} Credit limit doesn't show instead shows a highest balance of {$4000.00} again Equifax reporting invalid fraudulent data. I have not authorized this account this account is identity theft, and was opened by a fraudster using stolen identification.
Account # 13- XXXX XXXX - Opened on XXXX XXXX Balance {$7600.00} Highest balance {$8000.00} This account is fraudulent and was opened as a result of identity theft.
Account # 14- XXXX XXXX XXXX Opened on XXXX XXXX Shows a balance of {$15000.00} then it shows a highest balance of {$15000.00}, Yet it shows payments of XXXX $ for XXXX and then 2 deliquencys in XXXX. This account is fraudulent and opened as a result of identity theft. I did not authorize this account, and no other credit reporting agency shows this account again fraud.
Account # 15- XXXX XXXX XXXX XXXX Opened XXXX XXXX Balance {$8000.00} Highest Balance {$8500.00} This account is fraudulent opened as result of identity theft.
Account # 16- XXXX XXXX XXXX XXXX Opened on XXXX XXXX Balance {$9800.00} Highest Balance {$10000.00} - This account is fraudulent and opened as a result of identity theft. Fraud.
Account # 17 - XXXX - Opened on XXXX XXXX Balance {$9000.00} Highest Balance {$9100.00} This account is fraudulent opened as a result of identity theft. Using a fraudulent address.
Account # 18 - XXXX XXXX XXXX XXXX Opened on XXXX XXXX Balance {$11000.00} Highest Balance {$12000.00} This account is fraudulent opened as a result of identity theft.
Account # 19- XXXX XXXX Opened on XXXX XXXX Balance {$7400.00} Highest Balance {$8000.00} This account is fraudulent opened as a result of identity theft.
Account # 20 - XXXX XXXX XXXX Opened on XXXX XXXX Balance shows at {$650.00} Highest balance shows {$0.00} this account hasn't been updated since XXXX XXXX. Again this is a fraudulent account, and actually conns even advised me there was a fraudulent person making payments on this account so equifax is reporting fraudulent information incorrectly.
Account # 21- XXXX XXXX XXXX Opened on XXXX XXXX Balance {$9700.00} Highest Balance {$10000.00} This account is fraudulent and was opened as a result of identity theft. Not authorized and is fraudulent.
Account # 22- XXXX XXXX XXXX Opened on XXXX XXXX Balance shows as {$980.00} Credit limit shows as {$500.00} XXXX has advised me this account has a {$0.00} balance, it was closed and is fraudulent. Yet Equifax which hasn't updated this account since XX/XX/XXXX Refuses to correct the fraudulent information they are reporting inaccurately.
Account # 23- XXXX XXXX XXXX XXXX- Opened on XXXX XXXX Balance {$14000.00} Credit limit {$15000.00} This account is fraudulent and was opened as result of identity theft.
Account # 24- XXXX XXXX XXXX XXXX - Opened on XXXX XXXX Balance {$11000.00} Credit limit shows as {$10000.00} This account is fraudulent and was opened as a result of identity theft from a fraudster.
Fraudulent inquiries - XXXX XXXX. This inquiry was placed on my file because Equifax has a fraudulent address that is reporting which is preventing me from being able to lock my credit file. They also do not send me any information. They send it to the fraudulent address.
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10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2020, I got an alert that a hard inquiry was made against my credit. I was able to retrieve information about the loan company that made the hard inquiry. The loan company was XXXX. I did not apply for any loan, so I was confused about why they would need to check my credit score. I called XXXX that same day, XX/XX/2020, at XXXX XXXX. I spoke with a customer representative and I try to explain to her that I found that a hard inquiry was done on my report and I am calling to find out why. She asked for my social security and told me that their offices were closed and that I should call back on a different number on Monday during their business hours. I later found out that a person put me down as a cosigner for a student loan with XXXX. The hard inquiry was not authorized by me. The customer representatives refused to cooperate with me in finding an appropriate solution for my issue. I then proceeded to dispute the hard inquiry with the credit bureau, XXXX, Equifax, and XXXX. Equifax asked me to send in documents that are difficult to obtain due to the global pandemic. The customer representatives that I spoke with at both XXXX and Equifax were difficult to work with and unsympathetic to my situation.
A detailed account of my experience with XXXX : I called XXXX back on Monday, XX/XX/2020, at XXXX XXXX and spoke with a customer representative from Utah. She asked for my social security number and she said there was no account found. I then tried to explain to her my situation and she told me she then transferred me to a different department that handles mortgages. I tried to explain to the customer representative from their mortgage department my situation and she said that there was no account found and I thanked her and ended the call. I called XXXX again at XXXX XXXX that same day and I spoke with a customer representative from Utah. She asked me for my social security and I gave it to her and she said no account was found. I then told her that I am calling because I found that XXXX made a hard inquiry against my credit and I had no knowledge about why it was done. I then explained to her that I called the credit bureau to notify them but I need to learn more information about what happened so that my issue can be properly resolved. The customer representative then said that she could connect me to the banking department to get more information. She transferred me and my call went straight to voicemail. I did not leave a voicemail and called XXXX back at XXXX XXXX. Once again I spoke with a customer representative from Utah. I asked her if she could listen to what I have to say because I felt like they were not interested in helping me investigate a possible fraudulent activity. She then said to me in a sarcastic tone that she knows it must be frustrating to be transferred to different departments and not feel like I am not being heard. I responded and said okay but I just need help finding an appropriate solution to my issue so that I can go on with my day. She then told put me on hold and I waited about a minute. Then she said she will transfer me to the fraud department. I thank her and waited until I got transferred. Once transferred, I spoke with a customer representative from the fraud department. She asked for my social security and my date of birth. I gave her both information and I asked if I could explain my situation to her. I then tried to explain that I am not sure why a hard inquiry was done against my credit when I did not apply for anything with XXXX. She then suspiciously asked me did you apply for a student loan and I responded no. I explained to her that I did not apply for any loans with XXXX and I only had a Federal student loan. So, then I asked is that why my credit report was checked? She did not respond, and she said that she will have to end the call because of how I am speaking to her. She then hung up on me and I was shocked.
I called XXXX back and related it to a customer representative from Utah. I had a short conversation with her about my situation. She like the rest did not seem concerned about helping me resolve the issue. I asked if I can speak with someone from their student loan division and she transferred me to them. Once transferred, the customer representative from the student loan department asked for my social security as well and I asked if I can explain to her my situation because I keep getting transferred back and forth. She reluctantly said yes and while I was explaining my situation, she interrupted me several times and said that she does not understand what I am saying. I then repeated to her that I am not sure why a hard inquiry was done against my credit because I did not authorize for any student loan with XXXX. She then said to me that she thought the way I spoke was condescending. I sighed and said I speak like this to people and that I am just trying to figure out what is going on. She then complained about how I was talking to her and I said to not take it personally because I am calling you for help with a possible fraudulent activity. She then calmed down and said that I was listed as a cosigner for a student loan for a person I at the time was not familiar with. She then commented on how my last name was unusual and that the person had the same name. I responded and said why are you questioning me about a student loan I did not authorize. I then explained how I was shocked that XXXX will process a student loan application and check my credit report without me authorizing it. I was never contacted to authorize being a cosigner for a student loan. She then said that she canceled the application. I was relieved but still concerned about my credit score since it dropped by several points because they did not authorize a credit check with me. I thanked the customer representative and said I will call back to resolve the hard inquiry issue.
I called XXXX on XX/XX/2020, and I spoke with a Customer representative from Utah. I explained to her my situation and that I need some type of documentation of the incident so that I can have the hard inquiry done against my credit removed from my credit report. She said that she will email the fraud department and have them call me back. The customer representative sounded rehearsed and mentioned things that I never told her before. She also sounded unconcerned about my situation and did not check if my contact information was correct. It has been two weeks and I have yet to receive a phone call. I am tired of calling and annoyed with the lack of care from the customer representatives from XXXX. My experience with them has been very time consuming and exhausting.
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06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Greetings, these are the currents laws being broken.According to the Fair Credit Reporting Act XXXX USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( XXXX of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The accounts/inquiries and their respective agencies are : XXXX : Account Name : XXXX XXXX XXXX XXXX Credit Card Date Filed : XX/XX/XXXX Type of Account : credit card Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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05/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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My identity was compromised and I was notified by Equifax of my info being included in their hack back in XX/XX/XXXX-XX/XX/XXXX sometime. I have been fighting with all 3 bureaus to remove all these inquires that I did not authorize/request and customer service would not help take care of it and take care of the negative inquiries reporting to my reports. Below is a list of all inquiries I have manage to pull up
***Was told starting XX/XX/XXXX, tax liens would not be report on credit reports, however it's still showing up. Date Filed XX/XX/XXXX Date Reported
Court XXXX XXXX Status Lien Amount $XXXX Lien Class Federal
Date Filed XX/XX/XXXX Date Reported
Court XXXX XXXX Status
Lien Amount $XXXX Lien Class Federal
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number not available
Requested On: XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) 523-0233 Requested On: XX/XX/XXXX Inquiry Type: Individual Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX
XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, 1XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Permissible Purpose: IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX, DE XXXX (XXXX) XXXX XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX (XXXX) XXXX Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX (XXXX) XXXX Requested On: XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX via XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX (XXXX) XXXX
Requested On: 0XX/XX/XXXX
XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX, VA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX
XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX
Requested On:XX/XX/XXXX
XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number not available
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX Requested On: XX/XX/XXXX
Identifying information they provided: XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX (XXXX) XXXX
XXXX XXXX XXXX Requested On: XX/XX/XXXX
Identifying information they provided: XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX
XXXX XXXX XXXX Requested On: XX/XX/XXXX
Identifying information they provided: XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX
XXXX XXXX XXXX XXXX XXXX Requested On: XX/XX/XXXX
Identifying information they provided: XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXX
XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX
XXXX
XX/XX/XXXX XXXX XXXX XXXX
OH
XX/XX/XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX XXXX (XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX-XXXX
XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX-XXXX XXXX
XX/XX/XXXX XXXX XXXX XXXX (my home is free and clear wouldn't need a home loan)
XXXX XXXX XXXX XXXX XXXX, NJ XXXX-XXXX
XXXX XXXX XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX-XXXX
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09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
XXXX XXXX, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact.
PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate!
By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate.
15 USC 1681s-2 states that you, XXXX XXXX, are a furnisher of information to a consumer reporting agency.
YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS publication.
SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt.
My Address is listed below!
15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS!
I am writing to dispute and seek clarification regarding the sharing of my non-public personal information by your institution, as well as any potential impact on my credit report. I am concerned that these actions may be in violation of both the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ).
Specifically, I have identified two key areas of concern : 1. **GLBA Privacy Notice and Opt-Out** : According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from your institution, nor have I been given the opportunity to opt out of information sharing.
Therefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. Additionally, I would like to be informed if my non-public personal information has been shared with any non-affiliated third parties for marketing purposes, and if so, I am exercising my right to opt out of such sharing.
2. **FCRA Credit Reporting Impact** : As a result of any information sharing or other actions taken by your institution, I am concerned that my credit report may have been affected. Under the FCRA, consumers have the right to accurate and complete credit reporting. I request that you provide me with any information related to changes in my credit report resulting from your institution 's actions.
Additionally, I kindly request that you conduct a thorough investigation into any credit reporting issues that may have arisen due to information sharing or any other actions by your institution. If it is determined that my credit report has been negatively affected without proper cause or notification, I request that you take immediate corrective action and provide me with documentation of any corrections made to my credit report.
I want to emphasize my commitment to ensuring that my rights under both the GLBA and the FCRA are fully protected. I kindly request that your institution promptly investigate these matters and provide me with the necessary documentation and information to address my concerns.
Please respond to this dispute letter within the statutory timeframes specified by both the GLBA and the FCRA. I understand that this investigation may take up to 30 days, and I expect your prompt attention to this matter.
Thank you for your cooperation in resolving this issue promptly. Send written correspondence to address provided above. This is my opt out and cease and desist of all sharing of my personal information. You dont have consent to share my personal information if you do its identity theft. Delete all inaccurate and wrongful shared information asap.
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07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Thomas Ward Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NWWashington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XXXX SSN : XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I recently checked my consumer report and noticed accounts I didnt open on my own.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The Following accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} The Following Informations and Inquiry are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX My identity has been stolen you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law.
I demand all the above Fraudulent accounts DELETED immediately.
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Be Advised I will CC The Bureau of XXXX XXXX XXXX XXXX CFPB ) FTC XXXX XXXX XXXX XXXX XXXX state and Mine Thank you, XXXX XXXX
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09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, XXXX, and Equifax continue to report inaccurate information on the account listed DPT EDXXXX Account # : XXXX.
The account has several inconsistencies which means it has not been verified under FCRA. Furthermore it is listed several times on my consumer report.
Account # : XXXX XXXX XXXX Account Type - Detail : Educational Educational - Account Status : Closed Paid Paid Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter. ( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph. ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). ( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ). ( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
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07/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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all accounts are inaccurate information or ftc violations XXXX XXXX XXXX XXXX {$230.00} Account Details Last Reported XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$230.00} High Balance {$230.00} Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$990.00} Account Details Last Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$990.00} High Balance {$990.00} Remarks Consumer disputes - reinvestigation in progress Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1100.00} High Balance {$1100.00} Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$6400.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$6400.00} High Balance {$6400.00} Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1900.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1900.00} High Balance {$1900.00} Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$200.00} High Balance {$200.00} Remarks Consumer disputes - reinvestigation in progress Collection account Creditor Contact Details No contact information has been reported by this creditor.
Public Records XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$500.00} Term -- Monthly Payment {$20.00} Responsibility Individual Account.
Balance {$740.00} Highest Balance {$850.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$740.00} Times 30/60/90 Days Late 2/1/30 Remarks Consumer disputes - reinvestigation in progress Collection account XXXX XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 12 Months Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$0.00} Highest Balance {$1000.00} Payment Status Current Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Consumer disputes - reinvestigation XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 58 Months Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$0.00} Highest Balance {$9900.00} Payment Status Current Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Consumer disputes - reinvestigation in Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 12 Months Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$0.00} Highest Balance {$1000.00} Payment Status Current Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Consumer disputes - reinvestigation in progress Last Reported XX/XX/XXXX Creditor Name XXXX/XXXX Account Type Installment Sales Contract Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 8 Months Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$0.00} Highest Balance {$170.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Consumer disputes - reinvestigation in progress XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Note Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 10 Months Monthly Payment {$30.00} Responsibility Individual Account.
Balance {$300.00} Highest Balance {$300.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$120.00} Times 30/60/90 Days Late 1/1/0 Remarks Consumer disputes - reinvestigation in XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 7 Months Monthly Payment {$50.00} Responsibility Individual Account.
Balance {$330.00} Highest Balance {$250.00} Payment Status 60-89 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$240.00} Times 30/60/90 Days Late 1/0/0 Remarks Consumer disputes - reinvestigation in progress XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Partially Secured Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 6 Months Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$380.00} Highest Balance {$500.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$380.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off account Fixed rate Payment History Latest Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX all ftc violations
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01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
6. XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
7. XXXX XXXX XXXX XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
9. XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
10. XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
11. XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
12. XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
13. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
14. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
15. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Deposit Insurance Corporation XXXX : Comptroller Of The Currency CC : Federal Reserve System XXXX : XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
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10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is not a duplicate. I am submitting these disputes here because the web portals for the credit bureaus are under maintenance or not working.
XXXX XXXX XXXX Equifax Credit Bureau Equifax Credit Bureau XXXX Credit Bureau This letter is being sent to you in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.
This is NOT a request for verification or proof of my mailing address, but a VALIDATION request made pursuant aaccording the Title mentioned earlier and Section with regards to this specific issue as listed on my credit report by XXXX XXXX XXXX.
The specific item ( s ) in dispute for the reason of this particular submission to you, XXXX XXXX XXXX are as follows : Terms as listed in the XXXX XXXX file associated with my name.
Please provide me accurate, fair, complete, and verifiable proof that I ever agreed to these terms as you are reporting. In this case, it is 1 month that you are reporting sir that I agreed to that statement. I would like proof of that.
Notice the incorrect spelling? ( 1 month ), I complained about that several weeks ago and that was ignored, for the record that is not grammatically correct, and having a plural entry where it is supposed to be a singular month, could affect my credit score.
The agreed amount of time to pay back the money borrowed is a pop-up information balloon that explains exactly as it is written. Prove to me that I agreed to pay back anything in one month.
Also, prove to me where I borrowed money as the indicator says on the report. Prove to me where I ever borrowed money and agreed to pay that money back in one month.
Terms I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you with regards to this entry I am disputing today.
Sir, keep in mind your response may be audited for accuracy, completeness, fairness, and summary verifiable.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel.
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, with truthful, accurate, accountable, and verifiable information, references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately.
Let me remind you that your response to this specific dispute will be reviewed very carefully., Statutes that govern this collaboration including both North Carolina state law and U.S. Federal law will be the reference for such review.
You may continue to forward future communications with me but MUST be done in writing and sent to the address noted in this letter.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX CREDITOR/DEBT COLLECTOR DECLARATION Please provide all the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this debt validation request.
Name and Address of Alleged Creditor : XXXX XXXX XXXX contd.
Name on File of Alleged Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Social Security Number : XXXX Date of birth : XXXX How many Account ( s ) are being reported by XXXX XXXX XXXX to my credit file? Answer ( 2 ) separate debts, sometimes one, have been submitted against me Amount of debt : {$1000.00} & {$85.00} Please answer these questions as well regarding the accounts you are reporting to the credit bureaus regarding XXXX XXXX XXXX.
The date that this debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to a debt collector or purchased?
____________________________________________ Amount paid if the debt was purchased : ___________________________________________________________ contd.
Commission for debt collector if collection efforts are successful : ____________________________________ Please attach a copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt.
Also, please attach a copy of any signed agreement debtor has made with the debt collector or other verifiable proof debtor has a contractual obligation to pay the debt collector.
Please attach a copy of any agreement that bears the debtors signature, wherein they agreed to pay the creditor.
Please attach copies of all statements while this account was open.
Please provide the name and address of the bonding agent for { Name Of Debt Collector }, in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ Authorized Signature For Creditor Digital Signature : XXXX XXXX XXXX XX/XX/2022 You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter.
But most importantly, be sure to address the specific disputes within this letter to us.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for debt validation made under the FDCPA. Please allow 30 days for processing after I receive this information back.
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08/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX, is the bank where I paid 2 accounts : 1. A Personal Loan, with a {$260.00} regular monthly payment ; which is paid as agreed since XX/XX/XXXX, when its balance was fully updated with my {$2000.00} payment, after I re-started the regular monthly payment of {$260.00} nearly 10 months before XX/XX/XXXX, when I recovered the same job and salary I had, one year ago ; 2. A XXXX XXXX Credit Card, with a {$120.00} monthly payment, which is paid under a certified payment agreement at the same XXXX XXXX XXXX XXXX since XX/XX/XXXX. The payment agreement was made on XX/XX/XXXX, on a phone call I received made by XXXX XXXX, from XXXX XXXX, and was effective on XX/XX/XXXX, when I was able to make the first payment of {$120.00} of this payment agreement. See evidence included. This certified payment agreement, requires 1 monthly payment of {$120.00}, but not a specific date of the month for making this payment.
3. Both accounts, this XXXX XXXX credit card, and this Personal Loan, was never paid to any collection agency, but at the same XXXX XXXX, always, no matter XXXX XXXX sold this credit card account to a collection agency called XXXX XXXX, no matter the payment agreement was already made before this account was sold, and the first payment of {$120.00} was made on XX/XX/XXXX, and I received a letter from XXXX XXXX XXXX XXXX, certifying this payment agreement before a mail notice arrived saying this account was sold to a collection agency called XXXX XXXX ; 4. This payments of {$120.00}, which the first payment made on XX/XX/XXXX, the second payment was on XX/XX/XXXX, third payment onXX/XX/XXXX, fourth payment was on XX/XX/XXXX, fifth payment was n XX/XX/XXXX, sixth payment was onXX/XX/XXXX, and the seventh and last payment of {$120.00} was made on XX/XX/XXXX ; 5. No matter I have shown all the receipts for this payments, including the last 2 payments to this same credit card and loan accounts, and I updated the loan account in full, last XX/XX/XXXX with a {$2000.00} payment and there are already 3 regular monthly payments were made by myself after XX/XX/XXXX, of {$260.00} each, last XX/XX/XXXX, XX/XX/XXXX, and the third regular payment after its balance was fully updated, was on XX/XX/XXXX.
6. XXXX XXXX XXXX, the attorney assigned by XXXX XXXX XXXX XXXX to attend this case, insists that the Bank she represents is not doing anything wrong, but making reference to Federal Deposit Insurance Corporation requirements, that according to her, require to report this 2 accounts as past due because both were past due before? No matter this same loan, was fully updated last XX/XX/XXXX, as this Bank has all the evidence, nearly 3 months ago, nearly 90 days ago.
7. This action allowed by XXXX XXXX and backed up by their attorney XXXX XXXX XXXX, is against the Fair Credit Rporting Act, no matter this bad attorney does not want to recognize it, and this same attorney does not pay attention at all, to the Fair Credit Reporting Act, which clearly says the following : 8. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumers credit history.The FCRA is chiefly concerned with the way credit reporting agencies use the information they receive regarding your credit history. The law is intended to protect consumers from misinformation being used against them. It offers very specific guidelines on the methods credit reporting agencies use to collect and verify information and outlines reasons that information can be released. Reference found at : XXXX XXXX XXXX The law was passed in XX/XX/XXXX and amended twice. It is primarily aimed at the three major credit reporting agencies XXXX, Equifax and XXXX because of the widespread use of the information those bureaus collect and sell. The law also applies to banks, credit unions and agencies that sell medical records and check writing or rental history records, as well as any businesses that use information on credit reports for hiring purposes.
9. This reference clearly shows, this Fair Credit Reporting Act applies to the banks, like XXXX XXXX ; but attorney XXXX XXXX XXXX does not recognize it.
10. The unfair damages caused by XXXX XXXX action of not updating this 2 accounts at Equifax, XXXX and XXXX XXXX, was recognized only at this point by XXXX, one of the 3 main credit bureaus, but not by Equifax, and XXXX XXXX ; 11. The credit score from XXXX reflects, that XXXX is backing up their response sent through this C.F.P.B. portal, which is also included here as evidence ; 12. I am also including my most recent credit score from XXXX XXXX, as of today, XX/XX/XXXX, which shows my credit score as seriously affected and low.
with just XXXX points ; is a completely different score to the one provided by XXXX, which came after I received XXXX Response through the C.F.P.B. portal, and my XXXX Score from yesterday, XX/XX/XXXX is XXXX points, which XXXX points more tan the score provided today, XX/XX/XXXX by XXXX XXXX.
13. I am including more evidence about the unfair reporting source of this 2 accounts, XXXX XXXX XXXX response, received through this CFPB portal in which she unfairly asks to dismiss my complaint, no matter that actions clearly violates the Fair Credit Reporting Act, and this woman knows for sure the unfair consequences.
14. I also include evidence, that XXXX XXXX, a company specialized on free credit reports, see XXXX XXXX XXXX, is currently reporting that I fell behind in payments at XXXX XXXX ? that is not true, but the problem iXXXX XXXX XXXX is violating the Fair Credit Reporting Act, and that XXXX XXXX XXXX, the attorney that Bank assigned to my Case, does not recognize that this account has to be updated with current information.
15. XXXX XXXX XXXX XXXX actions regarding my accounts with them are violating The Fair Credit Reporting Act,15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
16. I have no means to file another lawsuit easily, while I am still representing myself at the U.S. District Court as a Pro Se Plaintiff, due to all the damages provoked by my unfair suspension from the same job I recovered back in XX/XX/XXXX ; 17. Equifax and XXXX XXXX should recognize the evidence included, which is verifiable, and send an real response like XXXX did : see the evidence included.
18. My date of birth isXX/XX/XXXX, notXX/XX/XXXX, I am unable to update the date here at the same complaint.
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06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account.
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
11. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
14. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
16. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
17. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 18. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
19. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
20. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely yours, XXXX XXXX
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05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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On XX/XX/XXXX I filed a complaint with the CFPB stating according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. I have not provided any consumer reporting agency written permission to publish any information on my credit profile. This is a direct violation of my rights. I listed the companies and account numbers for each credit bureau. They each reported back they completed an investigation. Some items were removed and some stated they were updated but they still were inconsistent between each credit bureau.
According to 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Each reporting agency report they completed an investigation of my credit profile. Based on the definition of investigative consumer report the reporting agencies have violated my rights as they FAILED to conducted an investigation based on the code/law.
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not provided any consumer reporting agency written permission to publish any information on my credit profile. This is a direct violation of my rights.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
( h ) Notice of Discrepancy in Address ( XXXX ) In general. If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 603 ( p ), the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy. I submited a dispute on the addresses on my credit profile and some were removed and others they refused to remove. I have documentation to support this.
606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). This is a direct violation of my rights at there are still inaccuracies on my credit profile after each credit agency completed their investigations.
I had inquiries that were not mine and I was denied by all three credit bureaus to remove any of them. I recieved notification that my wife and I applied for a XXXX XXXX XXXX card which we did not. i have been a victim of fraud and I see there are other items such as but not limited to XXXXXXXX XXXX XXXXXXXX XXXX, something from XXXXXXXX XXXX, XXXX XXXX. My wife and I applied only at XXXX XXXX and no other car dealerships.
|
10/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
I've been a proven victim of Identity theft since XX/XX/XXXX when my purse was stolen with all of my personal information inside such as my driver license, and social security card. I noticed in XXXX 0f 2020 there was a Fraudulent account by the name of XXXX XXXX XXXX in the amount of {$550.00} reporting on my credit reports, I notified the credit bureaus immediately as well as XXXX XXXX XXXX to inform them that this account was opened as a result of Identity theft.
XXXX XXXX XXXX advised me, the account has been closed for sometime, because they were notified from the credit bureaus the account was opened fraudulently. I asked XXXX XXXX XXXX, if its closed why do they continue to report negative informations such as late payments on my credit report if the account is closed due to it being a fraudulent account. I explained to them that I want this account to be removed immediately because itI never opened this account or authorized any business with them and it is affecting my credit tremendously.
I was advised from the credit bureaus and XXXX XXXX XXXX to complete a Identity theft report on FTC.gov and send it to them via mail or via fax and the account will be disputed, blocked and removed.
I followed the instructions, I filed a Identity theft report on XX/XX/XXXX. I mailed it to each credit bureaus and faxed to XXXX XXXX XXXX with the phone number they provided.
I called in to XXXX XXXX XXXX a week later to confirm they had received my fax on XX/XX/XXXX. XXXX XXXX XXXX advised me that it would take at least 7-10days to process the paper work and another 30 days to investigate.
I called each credit bureau to dispute the XXXX XXXX XXXX with my ftc affidavit.
XXXX XXXX I received results from XXXX and Equifax stating that the account was not removed. I Called XXXX XXXX XXXX to see why? I spoke with a XXXX XXXX XXXX Rep who informed that the FTC affidavit I faxed in was not valid, I was livid and couldn't understand how can a Identity theft report be invalid. I was advised that I would need to go to my local police station and file a police report for the fraudulent account that was opened.
I filed a police report on XX/XX/XXXX I faxed it over to XXXX XXXX XXXX on XX/XX/XXXX and mailed it each credit bureau. I called XXXX XXXX XXXX a week after to confirmed they received it. I was Told by XXXX XXXX XXXX that they did not receive it, I stated how is that possible when I have the receipt showing the faxed went through. I was advised to send it again. I faxed it again.
I called in to XXXX XXXX XXXX on XX/XX/XXXX at XXXX, I spoke with XXXX in customer service ID # XXXX, I asked XXXX if he could confirm that my police report was on file showing that the account in questions was opened fraudulently and I was a victim of Identity theft. I also advised XXXX that I was told that once my Police report was received that XXXX XXXX XXXX will remove this account, XXXX confirmed that my police report was received and is on file, He ensured me that the account would no longer report as of XX/XX/XXXX and they will notify each credit bureau that the account in questions is a fraudulent account. I asked XXXX are you sure, he stated yes and I no longer have to worry about XXXX XXXX XXXX reporting to the credit bureaus.
I have a membership to receive alerts anytime something changes with my credit report, I was once again Notified by XXXX and Equifax via email on XX/XX/XXXX That my score had dropped tremendously, I looked over my report and XXXX XXXX XXXX had reported a negative payment remark. I immediately called in to XXXX XXXX XXXX and ask to speak with a supervisor. I spoke with a lady supervisor unfortunately I can not recall her name, I reminded her of the conversation that I recently had with Rep XXXX from customer service advising me that XXXX XXXX XXXX would no longer report any information to the credit bureaus as of XX/XX/XXXX and I received a notification today telling me that it was a negative remark posted by XXXX XXXX XXXX, She stated, That she apologized for the inconvenience and the information that Rep XXXX gave me on XX/XX/XXXX was not correct and the account was listed as a charge off so she couldn't see much about the account but the investigation that XXXX XXXX XXXX performed showed that the account belongs to me. I asked to speak with the highest manager.
I was transferred over to XXXX ID # XXXX who stated he was the senior manager of the account specialist department. I explained in detail all the events that has took place and all of the conversation I've had with all of his reps upon speaking to him, XXXX placed me on hold, reviewed the account information and stated that the account was verified that I was the owner of the account. I explained to him that the account was opened fraudulently, he confirmed that yes the account was closed out due to it being reported as fraud. I advised I was told by a previous XXXX XXXX supervisor to send in a police report because my ftc affidavit wasn't valid enough to use and the account will be removed and no Ionger report.
XXXX stated, that he see 's my police report on file but that is invalid as well and that the investigation is complete. I asked XXXX how can a police report be invalid? He stated it was blurry, I stated that's impossible because I faxed it over to XXXX XXXX XXXX. So once again please tell me how a police report is invalid, he could not give me any more expiation. He advised me to get a new police report for the same matter and send it back in and they will reinvestigate The matter, I explained to XXXX that there is no way possible I could get another police report for the same matter, I explained to XXXX I'm in the middle of purchasing a home and this fraudulent account that I never opened, nor received any goods from is affecting my credit, and to please remove it. XXXX once again stated the police report that I Have from the XXXX police department is invalid and the only option I have is to get a new one or fax over the same police report again. I couldn't believe what I was hearing. I am distraught over this matter and as a consumer who's a victim of identity theft XXXX XXXX XXXX is refusing to help me with this matter. I've spoken with so many customer service reps and supervisors and they all tell me completely different things. No one is on the same page at this company, they do not offer any instruction on how to resolve this matter, This account has caused me to not be able to purchase a home, it has been a extreme nightmare dealing with XXXX XXXX XXXX and their false information.
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12/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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to whom it may concern. XX/XX/XXXX XX/XX/XXXX XXXX XXXX advise me of a hard hit from XXXX XXXX.
I have XXXX XXXX as of about the beginning of XXXX as a result of being part of some very big data breaches including XXXX and including XXXX and a couple others.and having one of my debit cards scammed as a result of a XXXX breach, XXXX breach, XXXX XXXX breach .. it is not safe anywhere.
I got word early am XXXX.. hard hit that XXXX XXXX emailed me about in XX/XX/XXXX the results of this, ended up putting a full credit freeze after this hard hit at XXXX.
I missed work a day to call XXXX and I spent most of the day on the phone with fraud talking about this and how they explained that the people with my information try to apply for service through a XXXX motel room. ( Really XXXX? what type of business if this ) couple things about this as I've never lived in a XXXX motel room, also that I have been a XXXX customer since XXXX when I open my first prepaid account and then moved over to a postpaid account XXXX.. then became employed by XXXX XXXX, now like I explained to XXXX as a phone company and somebody who works for a phone company they probably know full well what type of discounts in employee might or might not get.
XXXX also knows full well that their prices are double than XXXX, so not only is the price splendid to be with XXXX but it's really splendid when you're an employee the reason that I'm laying all of this out for you is to further back up the fact that I would never try to apply for service with XXXX.
I Never applied for service with XXXX in XXXX XX/XX/XXXX ... I never applied for service with XXXX XX/XX/XXXX XXXX
Literally work all day telling customers why XXXX is better than XXXX and here I have these hard hits at XXXX these are not factual I did not authorize them and they are 100 % fraudulent, they need to be removed XXXX had this down as fraud when I was speaking with the fraud department in XX/XX/XXXX they proceeded to write a letter up and sent it out to all of the credit bureaus stating that I was not obligated and that these were fraudulent inquiries and then they advised me to wait 60 to 90 days to see them gone.
after 60 days I called XXXX and XXXX told me to just continue to wait sometimes it takes a little time.
I'm still on a full credit freeze as result of this -still not been fixed, I don't know who's running around there trying to apply for things I haven't had any more hits and I'm feeling like that's only because of the fact that I have a full credit freeze.
so I'm scared to remove it or try to use my own credit that I WORKED so hard to heal, I have worked so hard to build. I do not even hit my own credit with inquiries.
XXXX I was prompted to make a account for my Equifax on the web after seeing I can, After setting that up I noticed that it allows me to dispute directly from there if I see something I don't agree with, of course naturally what I did was submitted a dispute I wasn't sure whether to say it was fraudulent or I didn't authorize this because there was several selections on why was disputing it and I'm not educated and how this works so first selection was I said that these were fraudulent, which Equifax sent me their outcome of their investigation and said that it's factual information. if I had a dispute with that to reach out to XXXX and provided me an address to a PO box . we're of course I did write to..and then I went online again and submitted yet a second dispute towards these hard hits only this time I said the reason is I didn't authorize these hard hits..thinking that this is going to be when it gets fixed but again they came back and basically told me the same thing that they've investigated and that they found the information is factual and to reach out to XXXX.
I've missed yet another day of work to stay home and to call out and reach out to XXXX and stay on the phone with them for them to tell me that he's already gotten it taken care of and they already did what they were supposed to do on their end back in XXXX.
I was speaking with XXXX from XXXX fraud XX/XX/XXXX who said he would send it over to the fraud department and then escalating up, I spoke with XXXX from XXXX fraud prevention team he took my full social looked up the information and he again told me I am not liable for anything nor am I liable for the hard hits he sent a deletion and marked it as fraud- IN XXXX. I adv him nothing came of it though..and we need to get this done XXXX sent me an email for proof that includes a case number and within that case number XXXX has told me it is including both of those hard hits that I'm not responsible for he has told me this was the same document that was provided to Equifax back in XXXX from XXXX when XXXX ask Equifax to remove this from my report.
they sent me a copy and then they sent that same copy over to the credit bureaus in regards to this again. and then I've told me to have them call XXXX if they have an issue further.
here I am with black and white from XXXX regarding this fraud telling me it's not mine I'm not responsible in the credit bureaus are to remove it and here 's the credit bureau declining.
done playing these games I don't have time to play these games and these games shouldn't even be a factor in regards to somebody's financials their money and this is also surrounding my well-being overall. absolutely not acceptable.
the Equifax dispute that they declined for a third time the first time being when XXXX wrote them about it in XXXX the second time being my first dispute myself on the web and the third time being my second dispute on the web.now all Equifax is doing is sending me a copy of the dispute that I can read myself on the web and at this point I'm incensed.
so now to further my case I reach out to consumer financial protection bureau and my State attorney general 's office to issue a complaint against Equifax.
I had for XXXX on the phone swearing that they have even gone above and beyond to help me.. they have done more than they've ever had to do to get anything resolved with anyone else.
why is that? From my understanding is not even financials involved unless the XXXX just doesn't give all that information over the phone from what I understand it's just too hard hits that shouldn't be there it's not that big of a deal remove them they're not mine..not an entitled person but I am entitled for what I am owed and what I earned and what I deserve so I will full court press this as far as I need to and I will take any actions I need to to make sure that I'm taking care of.
thank you in advance for your time.
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09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT.ally financial, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact. PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate! By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate. 15 USC 1681s-2 states that you, ally financial, are a furnisher of information to a consumer reporting agency. YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS publication. SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt. My Address is listed below! 15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! I am writing to dispute and seek clarification regarding the sharing of my non-public personal information by your institution, as well as any potential impact on my credit report. I am concerned that these actions may be in violation of both the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified two key areas of concern : 1. **GLBA Privacy Notice and Opt-Out** : According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from your institution, nor have I been given the opportunity to opt out of information sharing. Therefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. Additionally, I would like to be informed if my non-public personal information has been shared with any non-affiliated third parties for marketing purposes, and if so, I am exercising my right to opt out of such sharing. 2. **FCRA Credit Reporting Impact** : As a result of any information sharing or other actions taken by your institution, I am concerned that my credit report may have been affected. Under the FCRA, consumers have the right to accurate and complete credit reporting. I request that you provide me with any information related to changes in my credit report resulting from your institution 's actions. Additionally, I kindly request that you conduct a thorough investigation into any credit reporting issues that may have arisen due to information sharing or any other actions by your institution. If it is determined that my credit report has been negatively affected without proper cause or notification, I request that you take immediate corrective action and provide me with documentation of any corrections made to my credit report. I want to emphasize my commitment to ensuring that my rights under both the GLBA and the FCRA are fully protected. I kindly request that your institution promptly investigate these matters and provide me with the necessary documentation and information to address my concerns. Please respond to this dispute letter within the statutory timeframes specified by both the GLBA and the FCRA. I understand that this investigation may take up to 30 days, and I expect your prompt attention to this matter. Thank you for your cooperation in resolving this issue promptly. Send written correspondence to address provided above. This is my opt out and cease and desist of all sharing of my personal information. You dont have consent to share my personal information if you do its identity theft. Delete all inaccurate and wrongful shared information asap.
|
04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXX XXXX XXXX 3. The following personal information is incorrect Former : XXXX XXXX XXXX 4. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 5. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 6. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX 9. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX 10. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX TRL XXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX 13. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX 14. The following personal information is incorrect Employers : XXXX 15. The following personal information is incorrect Employers : XXXX 16. The inquiry was not authorized XXXX - XXXX SERVICE Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
17. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX, XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX - XXXX SERVICE Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following account is being reported inaccurately XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following account is being reported inaccurately. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. I request/require this investigation to include the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
2.What certified documents were reviewed to conclude your investigation?
3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
4.What did it cost your company to obtain the documents needed to complete your investigation?
5.Please provide proof of your timely procurement of certified documents.
6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
7.If yes to above : a.Who did you speak to?
b.On what date?
c.How long was the conversation?
d.What was their position?
e.What telephone number did you call?
f. What is the name of the employee of your company that spoke directly to the above party?
g.What is the position of the employee of your company that spoke directly to the above party?
h.How long has that employee been employed by your company?
i.What formal training was provided to this employee to investigate items of this kind? j.Was there any e-mail or written communication between members of your company and the above party?
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
Sincerely, XXXX XXXX
|
11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX have violated my rights .
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
|
04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
Hello, I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX, with regards to account number XXXX.
XXXX XXXX XXXX is reporting an open collection account on my credit report, which was previously owned by XXXX XXXX XXXX. However, the creditor did not provide me with written notice of the sale of my account to a collection agency, as required by FCRA section 623 ( a ) ( 3 ). This lack of notification has caused confusion and distress in my life, as I was unaware that my account had been sold to a collection agency.
Additionally, I have noticed that XXXX, XXXX is reporting the account differently to each credit reporting agency. While XXXX is showing the account type as an open account, XXXX and Equifax are showing it as a collection account. This discrepancy in reporting could be a violation of FCRA section XXXX23 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to ensure that the information they report about a consumer is complete and accurate.
Furthermore, the dates last reported and last active are being reported differently by each credit reporting agency. XXXX reported the last reported date as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and Equifax did not report it at all. Similarly, XXXX reported the last active date as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and Equifax reported it as XX/XX/XXXX. This discrepancy in reporting may be a violation of FCRA section 623 ( a ) ( 1 ) ( D ), which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.
XXXX & XXXX XXXX on my credit report. The information being reported is not only inaccurate but is causing significant damage to my credit score and has affected my ability to secure loans and other financial services.
XXXX & XXXX is reporting inaccurate balance and payment information to the credit reporting agencies, which may violate FCRA section 623 ( a ) ( 1 ) ( C ). Additionally, XXXX & XXXX is reporting different information about the same account to different credit reporting agencies, which XXXX be a violation of FCRA section 623 ( a ) ( 1 ) ( A ). Furthermore, XXXX XXXX XXXX is reporting inaccurate delinquency information to the credit reporting agencies, which may violate FCRA section 623 ( a ) ( 5 ). BB & T is also reporting different dates for the last reported and last active dates for the same account to different credit reporting agencies, which may be a violation of FCRA section 623 ( a ) ( 1 ) ( D ). Lastly, XXXX XXXX XXXX is reporting outdated information to the credit reporting agencies, which may violate FCRA section 605 ( a ) ( 5 ).
XXXX & XXXX XXXX I have reviewed my credit report and have noticed several inaccuracies that are causing significant damage to my credit score and hindering my ability to obtain credit.
According to XXXX and Equifax, the account type for my XXXX & XXXX account is a mortgage account, but XXXX is reporting it as a real estate account. Additionally, XXXX is reporting a monthly payment balance of {$0.00}, but XXXX and Equifax have not reported anything. Furthermore, XXXX and Equifax are reporting a balance of {$0.00}, but XXXX has not reported anything.
These discrepancies are not only confusing but are also misleading to potential lenders who view my credit report. Moreover, according to all three bureaus, I was 120 days late on XX/XX/XXXX, but I have not missed any payments on this account.
These errors are potential violations of the Fair Credit Reporting Act ( FCRA ). Reporting inaccurate balance and payment information to credit reporting agencies may violate FCRA section 623 ( a ) ( 1 ) ( C ). Reporting different information about the same account to different credit reporting agencies may be a violation of FCRA section 623 ( a ) ( 1 ) ( A ). Reporting inaccurate delinquency information to the credit reporting agencies may violate FCRA section 623 ( a ) ( 5 ). Reporting outdated or incorrect account type information to the credit reporting agencies may violate FCRA section 623 ( a ) ( 2 ).
XXXX XXXX XXXX XXXX According to my credit report, the payment status of my account with XXXX XXXX XXXX is listed as " charge off, '' which is completely inaccurate. I have never received any notification or paperwork from them regarding this charge-off account. Moreover, the monthly payment balance listed by XXXX is {$0.00}, but XXXX and Equifax did not report anything, which is contradictory and confusing.
Furthermore, XXXX and XXXX listed my High Credit balance as {$23000.00}, but Equifax did not report anything about it. This inconsistency in the reporting of the same information is a violation of FCRA section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to ensure that the information they report is " complete and accurate. '' Reporting inaccurate information about the payment status of the account, inaccurate delinquency information, and inaccurate balance and payment information to the credit reporting agencies are all violations of the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX is in violation of FCRA section 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 1 ) ( C ) by reporting incomplete, outdated, and inaccurate information.
XXXX XXXX XXXX Specifically, XXXX has reported that my account is past due by 30 days, but I have not received any notification from XXXX XXXX regarding this late payment account. They have also failed to provide any paperwork to support their claim.
This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ), which requires furnishers of information to provide " clear and accurate '' information regarding the type of account and its terms. I believe that XXXX XXXX has failed to comply with this provision of the law.
This inaccurate reporting has had a significant impact on my life. As a result of the negative reporting, I have been denied credit and other financial opportunities that I would otherwise have been eligible for. This has made it difficult for me to obtain the resources I need to provide for my family and live a comfortable life.
I am requesting that the CFPB investigate this matter thoroughly and enforce the relevant laws and regulations to protect my rights as a consumer. Furthermore, I request that the unverified account information be removed from my credit report as soon as possible to prevent any further harm to my creditworthiness.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. XXXX XXXX, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact. PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate! By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate. 15 USC 1681s-2 states that you, XXXX XXXX, are a furnisher of information to a consumer reporting agency. YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS publication. SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt. My Address is listed below! 15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! I am writing to dispute and seek clarification regarding the sharing of my non-public personal information by your institution, as well as any potential impact on my credit report. I am concerned that these actions may be in violation of both the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified two key areas of concern : 1. **GLBA Privacy Notice and Opt-Out** : According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from your institution, nor have I been given the opportunity to opt out of information sharing. Therefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. Additionally, I would like to be informed if my non-public personal information has been shared with any non-affiliated third parties for marketing purposes, and if so, I am exercising my right to opt out of such sharing. 2. **FCRA Credit Reporting Impact** : As a result of any information sharing or other actions taken by your institution, I am concerned that my credit report may have been affected. Under the FCRA, consumers have the right to accurate and complete credit reporting. I request that you provide me with any information related to changes in my credit report resulting from your institution 's actions. Additionally, I kindly request that you conduct a thorough investigation into any credit reporting issues that may have arisen due to information sharing or any other actions by your institution. If it is determined that my credit report has been negatively affected without proper cause or notification, I request that you take immediate corrective action and provide me with documentation of any corrections made to my credit report. I want to emphasize my commitment to ensuring that my rights under both the GLBA and the FCRA are fully protected. I kindly request that your institution promptly investigate these matters and provide me with the necessary documentation and information to address my concerns. Please respond to this dispute letter within the statutory timeframes specified by both the GLBA and the FCRA. I understand that this investigation may take up to 30 days, and I expect your prompt attention to this matter. Thank you for your cooperation in resolving this issue promptly. Send written correspondence to address provided above. This is my opt out and cease and desist of all sharing of my personal information. You dont have consent to share my personal information if you do its identity theft. Delete all inaccurate and wrongful shared information asap.
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04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear CFPB, I, XXXX XXXX XXXX 100 % SIGN THAT I AM WRITNG THIS TO ALL WRONGFUL LISTED CREDITORS BELOW.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/ XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to bring to your attention the improper and inaccurate information that is listed on my credit report with XXXX , Equifax , and XXXX XXXX Despite numerous attempts to have these errors corrected, the credit bureaus continue to violate the Fair Credit Reporting Act ( FCRA ).
I want to bring to your attention that I have been a victim of identity theft and have no recollection of the accounts listed on my credit report. I have provided my identity theft report that is attached to this report as proof. The fact that these accounts are being reported as mine is causing me great distress, and I am very concerned about the impact it may have on my creditworthiness. As a victim of identity theft, I am entitled to certain rights under the Fair Credit Reporting Act ( FCRA ).
According to 15 USC 1681c-1 , if a consumer has contacted a credit reporting agency and informed them that they are a victim of identity theft and provided the agency with proper proof, the credit reporting agency must block the information that the consumer identifies as resulting from the identity theft within 4 business days of receiving the identity theft report. The agency must also notify any person who has received the information that it has been blocked and must provide the name and address of the furnisher of the information.
Furthermore, according to 15 USC 1681g ( d ), if a credit reporting agency knows or learns that a consumer 's credit report contains information resulting from identity theft, it must either block the information or delete the information from the consumer 's file. The agency must also notify any person who has received the information that it has been blocked and must provide the name and address of the furnisher of the information.
I hope that you will take my situation seriously and investigate the inaccurate information on my credit report thoroughly. I am confident that once you review the evidence and see that I am a victim of identity theft, you will take the necessary steps to ensure that my credit report accurately reflects my creditworthiness. Thank you for your prompt attention to this matter.
- The presence of these inaccurate accounts on my credit report has caused significant harm to my credit score and has negatively impacted my ability to obtain credit or financing. Inaccurate information on a credit report is a violation of my rights as a consumer and is something that should be taken very seriously.
- Additionally, I have made repeated attempts to contact the credit bureaus and request that they remove these accounts from my credit report. Despite providing verifiable proof of my identity and the fraudulent nature of these accounts, the credit bureaus have failed to take action and have continued to list them on my credit report.
- I have also contacted the companies associated with these accounts and informed them of the fraudulent activity. They have confirmed that I am not responsible for any of the charges listed and have closed the accounts. However, the information remains on my credit report, which is a clear violation of the Fair Credit Reporting Act.
- According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation of any disputed information and to promptly delete inaccurate information. This is especially true in cases of identity theft, where the consumer is not responsible for the fraudulent activity and should not be penalized for it.
- As a victim of identity theft, I have taken all necessary steps to report the crime and to protect myself from further harm. However, the inaccurate information on my credit report continues to be a source of frustration and financial harm. It is imperative that the credit bureaus take immediate action to correct these errors and to ensure that my credit report is accurate and up-to-date.
According to 15 USC 1681i ( 5 ), the credit bureaus have a legal obligation to modify or delete accounts that are not reporting accurately. However, the following accounts continue to be listed inaccurately on my credit report : In accordance with 15 USC 1681, I have the federally protected consumer right to privacy and confidentiality. However, the credit bureaus have continued to list inaccurate and improperly reported information on my credit report.
Furthermore, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notifying the credit bureaus that specific information is inaccurate, they have failed to take the appropriate action to correct it.
I have requested that the credit bureaus check and ensure that all information on my credit report is complete and accurate in accordance with 15 USC 1681i. However, I have not received any response from them within the 30-day timeframe.
Additionally, the credit bureaus have failed to record the current status of the disputed information, which is a violation of FCRA.
Overall, I urge the CFPB to take swift action in this matter and to ensure that the credit reporting agencies are held accountable for their actions. The Fair Credit Reporting Act was put in place to protect consumers from inaccurate credit reporting, and it is crucial that these protections are enforced.
I am an FHA program buyer and XXXX 's inaccurate reporting is holding me back from purchasing a house for my family. I urge you to take immediate action and hold the credit bureaus accountable for their failure to follow FCRA and correct the inaccurate information on my credit report. I have documents attached detailing VERY SPECIFICALLY proof of the inaccuracies down below this report, along with verifiable proof of my SSN, driver 's license, and credit card statement. I urge the CFPB to take swift action in holding the credit bureaus accountable for their violations of the FCRA.
IMPORTANT : ALL ATTACHEDbDOCUMENTS ARE 100 % WRITTEN AND MARKED BY ME AND ONLY ME. Please have XXXX, EQUIFAX, & XXXX only respond via CERTIFIED MAIL in a HAND WRITTEN RESPONSE stating the name of the person replying back to this matter.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
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12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent Request for Correcting FCRA Violations in My Credit Report Dear Equifax I hope this message finds you well. I am writing with urgency to address critical discrepancies I've recently identified in my credit report that blatantly contravene the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile raises serious concerns about compliance with FCRA regulations within your agency.
To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information.
Instances of FCRA violations discerned in my report encompass : Inaccurate financial data provided by creditors to reporting agencies.
Merging of individuals ' information based on name or social security number similarities by your agency.
Failure to comply with prescribed dispute-resolution protocols.
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning employment-related matters.
Receive notification if my file information has been detrimentally used in credit applications or transactions.
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data.
Request the elimination of outdated negative information, typically after seven or ten years, contingent upon bankruptcy.
I formally request the immediate rectification of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused substantial distress, notably resulting in my recent denial of extended credit due to errors originating from your agency.
1. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX XXXX # XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. incorrect date of last payment XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
10. incorrect date of last payment XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
11. incorrect date of last payment XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
12. incorrect date of last payment XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
13. incorrect date of last payment XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
14. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
15. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 18. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 19. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 20. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 21. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 22. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX 23. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 24. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 26. The following personal information is incorrect Account Number : Employers : XXXX I anticipate prompt and comprehensive action to rectify these violations within the stipulated timeframe outlined by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are upheld.
Sincerely, XXXX XXXX
|
01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I am requesting validation and verification of the alleged debt being collected by XXXX XXXX XXXX.
Request for validation of the debt : I am requesting a validation of the debt being collected by XXXX XXXX XXXX along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. TILA addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX XXXX has assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt is valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector or current creditor has the legal right to collect on the debt, including the signed terms between the creditor and collector ( XXXX XXXX XXXX ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector ( XXXX XXXX XXXX ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ), which protects consumers from being pursued for debts they do not owe or have already been paid. I request XXXX XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX XXXX fails to validate the debt, I dispute the debt, and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
Request for verification of the debt : I am also writing within this complaint, a direct request for information from XXXX XXXX XXXX regarding the original contract of the debt that I am being pursued for. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX XXXX fails to verify the debt, I dispute the debt and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
It is important for XXXX XXXX XXXX to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX XXXX to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX XXXX must provide me with the information that is used to calculate my credit score.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of XXXX XXXX XXXX. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold XXXX XXXX XXXX accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting that the law requires and request the deletion of any information relating to this complaint that is invalid and unverified and being reported by XXXX XXXX XXXX. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
Sincerely, XXXX XXXX
|
02/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I am filing this complaint because I was given verification for an investigation of inaccurate information that was placed on my credit report by Equifax, and the information is still inaccurate. I sent the ( attached below ) dispute letter to Equifax on XX/XX/XXXX through certified mail with tracking number XXXX XXXX XXXX XXXX XXXX ( certified mail receipt attached below ). The following accounts : XXXX XXXXXXXX xxxxxxxxxxxx XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX show up on my consumer report as a charge off. I explicitly put Equifax on notice that they are violating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. There are 2 clear FCRA violations right there. As defined by the IRS, Even if you didnt receive a form 1099-c, you must report canceled debt as gross income on your tax return unless one of the exceptions or described exclusions later applies The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT!
By definition the IRS clearly states that a canceled or charged off debt is income.The reporting of this account as a debt is inaccurate. I was never sent a copy of the 1099-c form that was supposed to be filed.
I demand that these accounts be deleted from my credit report immediately, and I wish to be compensated {$1000.00} for both of these egregious violations perpetrated by Equifax. They were warned, and asked to change the information and they willfully decided to not comply with my lawful requests, and to violate the FCRA.
The information is in fact inaccurate, the continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681s-2. On top of these 2 violations, The following accounts are still reporting late payments on my consumer report : XXXX XXXX XXXX XXXX which has 6 instances of late payments reported from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXXXXXX xxxxxxxxxxxx XXXX which has 7 late payments reported from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX which shows 1 late payment XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows 4 late payments reported from XX/XX/XXXX to XX/XX/XXXX. That is a total of 18 reported late payments on my consumer report by Equifax AFTER they were put on notice that they are in clear violation of USC 15 1681b permissible purpose of consumer reports ; THE LAW CLEARLY STATES IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates I DID NOT GIVE EQUIFAX WRITTEN INSTRUCTION TO FURNISH THIS INFORMATION. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS except as provided in paragraph ( 3 ) The term consumer report does not include- Subject to section 1681 ( s ) of this title any- ( i ) reports containing information solely as to transactions and experiences between the consumer and the person making the report.
Late payments IS information pertaining to transactions, and experiences. I demand that these late payments be deleted from my consumer report immediately, and I demand to be compensated {$1000.00} for each of the 18 violations of willful noncompliance by Equifax. Equifax was put on notice to delete these late payments and they chose willfully not to comply with the law. Defamation of character ( per se ) Negligent enablement of identity fraud Fair Debt collections Practices Act 15 USC 1692 ( g ) Violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616 civil liability for willful noncompliance [ 15 USC 1681 ( n ) ]. I also have major inaccuracies in the personal information reported by Equifax, even after they stated that they have verified all the information on my consumer report. It states that my date of birth is XX/XX/XXXX, when in fact this is inaccurate information I was born in XXXX. This is another violation that I demand be corrected, and I demand compensation of {$1000.00} for this violation, Equifax was told to verify this information and they still are reporting this inaccurate information on my consumer report. Also, in personal information on my Equifax consumer report, it still states after asking Equifax to verify all my information, that I am formerly known as XXXX XXXX. XXXX, who is XXXX XXXX. XXXX? I have no association with anyone with this name, and that certainly isn't me. I've only ever had 1 name and that is not it. This is another violation, Equifax was asked to correct and verify any information on my report, and they are still furnishing this inaccurate name on my consumer report. I demand that this false name be taken off of my consumer report, and I demand to be compensated {$1000.00} for this violation that I asked them to verify, and they willfully non complied and kept this false information on my report. In my Contact information on my Equifax consumer report, it states my former address as XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX this is not at all my address and this information is inaccurate information. This is another violation I demand be taken off my consumer report and I demand to be compensated {$1000.00} for this violation that was willfully kept on my consumer report after telling Equifax to verify all the information on my consumer report. All of these blatant violations of the law that have been inaccurately reported on my consumer report by Equifax have caused me a tremendous amount of financial hardship and stress. I am unable to acquire a comfortable living situation, get a reliable source of transportation, or obtain financing for a business I have been trying to start, due to this inaccurate information devastating my consumer reports and scores. I have counted a total of 22 clear violations of the FCRA, I asked Equifax to verify and correct any information on my consumer report and it seems that they not only don't care to report my information correctly, but they also don't care to follow the laws set in place to protect us consumers.
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08/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This complaint is lodged after exhausting all other efforts to resolve these issues with Equifax Credit Bureau.
Starting roughly in XXXX, or just prior to XXXX, I discovered numerous fraudulent accounts, and accounts that were highly inaccurate reported on my Equifax Credit Report. I began disputing the accounts and at first, the removal of those inaccuracies seemed to be happening without problems.
I noticed that my name was being reported on the credit report in various versions and spellings, some of which were grossly wrong, such as listing my middle initial as G or listing only the last half of my last name as XXXX or the first half of my last name, XXXX and placing XXXX which I've Never used or associated myself with.
When disputing these, sometimes they would remove them and other times they would send me an update saying the issue was corrected but going back to the credit report, it was not corrected, and when calling them they would say that it doesnt affect your credit score so it doesnt really matter.
I would ask numerous times to speak to a supervisor and it always resulted in the same excuses. I asked to speak to a manager and was told they would have to have one call me back in like three days. Well, those three days ended up being over 25 requests that never resulted in a call.
At one point when I was asking about a particular account that was listed on my credit and was inaccurate, Equifax stated it was accurate and allowed the account to remain. I went to the North Carolina XXXX XXXX and it was determinthat ed, I did not owe the creditor money and in fact, they owed me money from a deposit I didnt get back.
I asked Equifax what information was provided to them in their investigation to determine the debt as accurate and they refused to tell me. I showed proof I didnt owe the debt and they posted an update stating that the collection agency settled the matter with me and I owe like XXXX which was untrue.
Equifax was informed that the collection agency had stated they didnt have to remove the debt, and the collection agency had stated to me, XXXX up a rope and pay your bill lady, we are not removing it from your credit.
When these issue has escalated beyond any resolution of the customer service, supervisors, and managers, I asked them for contact information of the corporate office and was told, we dont have any contact information for the corporate office.
I located a number for the corporate office and asked to speak to someone about the issues because I was getting nowhere with customer service and the woman at the corporate office just transferred me to customer service once again.
I called back to the corporate office and asked the woman to connect me to her direct supervisor and the woman at the corporate office stated, Oh you want to talk to my supervisor, sure hold on, then transferred me back to customer service yet again.
I called again a few days later and directly ask for the legal department, as well as specific names of the administration, and the woman just hung up on me. I called back and made it clear ; the customer service is no longer an appropriate place to transfer my call and the woman stated, well that is all you're going to get and then transferred me back to customer service.
I asked who her direct supervisor was and she stated it was none of my business and hung up on me. This has happened at least twenty times since XX/XX/XXXX.
I asked for the emails for the following Leadership of Equifax, beginning with XXXX XXXX XXXX XXXX, who is supposed to be the Corporate Vice President / Chief Legal Officer, as well as XXXX XXXX, Chief Executive Officer and was told first name ( dot ) last XXXX and I attempted to email those individual and the emails all bounced back.
The primary purpose of my trying to contact the Leadership or the Corporate office is because, after Equifax compelled me to send them a copy of my drivers license and social security card, I did so and the woman on the phone came back and said Oh, you're not ( ***** ), naming other people 's names and immediately stating that I must have changed my name and asking, did your change your name?
When I indicated that she was provided with my valid drivers license and social security card and that I wanted to know where she was getting the incorrect information, she just went into explanations of Maybe school records or Maybe other public records and I insisted that she disclose where such information was coming from, she just indicated Data Collectors and Brokers but refused to indicate precisely where so that I was able to go out and correct the information.
I was also told that credit accounts provide my information and when I said it was incorrect, she just said, Sorry, thats what we have on file I have asked about the Data Breach as I was impacted by both XXXX and XXXX and was hung up on at least three times over the past few months. I was also told that it wasnt a bad breach, it didnt cause identity theft, etc., and yet when all of these accounts pop up that are not mine, or I get calls from agencies looking for payment of things like a purchase in Texas where I have never lived, Equifax indicates it's not their problem.
I have confronted Equifax about telephone calls I have received from Student Loan Forgiveness and Tax Resolution Companies, as well as several other calls from Marketers who indicate my information was provided to them by Equifax and other credit bureaus, and when told that I have no Tax Debt or Student Loan, I was told, well Equifax only markets the information to those who have those credit issues, which I would have never consented to release of my information in the first place.
I have received not less than 1600 calls since XX/XX/XXXX, as a result of all three credit bureaus, all of which are documented.
These issues have gone in so many different directions that it will be difficult to decide which category this really needs to fall into. It relates to improper use of my identity, refusal to allow corporate office to be involved, and refusal to speak to someone in the United States that can deal with these issues. Refusal to remove credit inquiries and credit accounts that are more than XXXX XXXX XXXX, which is an account that was paid in full anyway. Equifax states it will remain on my credit for another 10 years. REALLY? and that is after being on my credit for more than seven years already.
It is my position that Equifax has misused my personal information and has caused a tremendous amount of financial and other damage to me.
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08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), it is essential to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Both Equifax and XXXX serve as consumer reporting agencies, and as a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and protect nonpublic personal information.
Under 15 USC 1681 section 604 a section 2, consumer reporting agencies may only furnish a consumer report with the explicit written instructions of the related consumer. However, I have not provided any consent to Equifax, XXXX, or any financial institution to furnish my information. Any previous consent given to these agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is hereby revoked.
Additionally, 15 USC 6802 ( b ) ( c ) states that financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about their right to exercise a nondisclosure option. In this case, the ( Furnisher of information to credit agencies ) has not informed me of this right.
Furthermore, 15 USC 1681C ( a ) ( 5 ) specifies that consumer reporting agencies are not allowed to include certain adverse items of information in a consumer report without proper authorization. This account being reported is an adverse item that they are reporting without my consent, which is unlawful.
According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person should not furnish any inaccurate information about a consumer to any consumer reporting agency. Moreover, 15 U.S. Code 1681e requires consumer reporting agencies like Equifax and XXXX to maintain reasonable procedures to avoid violations of Section 1681c and limit the furnishing of consumer reports to specific purposes under Section 1681b. It appears that both agencies are not maintaining reasonable procedures in this regard.
Finally, as per 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am choosing to exercise this right now.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. there is some inaccurate information reporting.
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
7. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 10. The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 12. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 13. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 14. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 15. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX 16. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 17. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 27. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 29. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 30. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 31. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 32. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 33. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 34. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 35. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 36. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 37. The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/XXXX 38. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 39. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 40. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX 41. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 42. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 43. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 44. The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/XXXX 45. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 46. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX 47. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 48. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 49. The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/XXXX 50. The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/XXXX 51. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 52. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 53. The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/XXXX 54. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 55. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 56. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 57. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 58. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 59. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 60. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 61. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 62. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 63. The inquiry was not authorized WXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 64. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 65. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 66. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 67. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 68. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 69. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 70. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX 71. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 72. there is some inaccurate information reporting.
XXXX XXXX XXXX XXXX XXXX Delete this account.
73. there is some inaccurate information reporting.
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
74. there is some inaccurate information reporting.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
75. there is some inaccurate information reporting.
XXXX XXXX XXXX XXXX XXXX Delete this account.
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01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, TX XXXX- This address belongs to someone else. Delete it from my report immediately.
2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, TX XXXX- This address belongs to someone else. Delete it from my report immediately.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
7. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
8. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
9. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
10. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
11. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
12. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
15. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
16. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
17. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, XXXX, and Equifax continue to report inaccurate information on the account listed DPT ED/XXXX Account # : XXXX. The account has several inconsistencies which means it has not been verified under FCRA.
Account # : XXXX XXXX XXXX Account Type - Detail : Educational Educational - Account Status : Closed Paid Paid Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
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11/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Equifax is incorrectly reporting a collection from XXXX XXXX XXXX for {$900.00} relating to a matter with XXXX XXXX. This was disputed with Equifax, and they have failed to investigate and determine that the collection is legitimate, that it belongs to me, and that the creditor and collection agency 's claims are bona fide. This collection is a response to a consumer dispute between my girlfriend and XXXX XXXX. This does not belong to me, and the underlying consumer contract with XXXX XXXX is not in my name. Relevant background to dispute with XXXX XXXX : * My girlfriend at the time placed an order with XXXX around XXXX XXXX, 2015 for ( 1 ) wall to wall carpeting of 2 rooms, ( 2 ) installation of a hall runner carpet, and ( 3 ) installation of window treatments in 2 rooms. * Order total was {$3900.00} and a {$3000.00} deposit was charged to her credit card on XXXX XXXX, 2015 * XXXX made appointments to install the hall runner carpet on 3 occasions. On each occasion, she had to skip work and wait half to a full day for XXXX 's reps to arrive. On each occasion, XXXX 's reps did not have the required carpets and/or tools to install the agreed and contracted hall runner. * The only services XXXX performed regarding the hall runner was to place masking tape border/edge marks around the hallways of the house where the carpet was to be installed. * On XXXX XXXX 2015, the final occasion XXXX arrived at the house to install the hall runner, XXXX demanded a {$900.00} payment on the account before they would proceed. * It was expressly noted and agreed upon that the {$900.00} payment was specifically for the installation of the hall runner carpet. * This {$900.00} was paid using a check from my check book, even though the agreement ( and all paperwork, contracts and communication ) were between my girlfriend and XXXX, and the contract was in my girlfriend 's name. * After the {$900.00} was paid, the representative from XXXX informed my girlfriend ( for the 3rd occasion ) that he did not have the required carpets and/or tools, and that the agreed upon hall runner could not be installed that day. * This was the third time this same scenario had played out ( XXXX arrived, she lost half a day of work waiting for them, and they did n't have the required goods after having rescheduled for the same reason ). At this point, my girlfriend became very suspicious of XXXX and formed the belief that they were in fact unable to install these carpets and that this job was too specialized and/or complex for them, but they had misrepresented their product suite , and agreed to it anyway, so that they could secure the most lucrative elements of the order ( i.e. the window treatments ), with the knowledge they could not complete this element of the agreement. * Immediately after the facts in XXXX XXXX, she informed XXXX 's representative that she was cancelling the order immediately, that she would demand a refund, and that she reserved the right to contact the Better Business Bureau and file online reviews about their conduct. She specifically instructed them not to cash/bank the check as the order was procured fraudulently ( demand of " cash on delivery '' for goods the representative did not have in his truck ). My girlfriend told the representative that the check would be stopped as a security measure, as she did not trust the representative 's promise to not cash it and fully cancel the order. She asked XXXX 's employee to leave the property. * Note that in XXXX 's own accounting ( which is provided in the appended emails ), they specifically noted the {$900.00} payment as " cash on delivery '' payment, as was the preceding {$3000.00}. It is quite clear that " cash on delivery '' requires " cash '' and " delivery '' -- in this case there was no " delivery '' and " cash on delivery '' had been demanded, even though the XXXX representative knew he did not have the goods to deliver. * As nothing had been delivered after the {$900.00} cash on delivery payment was made, I suspected fraud and called XXXX XXXX to stop payment on the check. Representatives at XXXX XXXX XXXX were made aware of all these facts, the circumstances of the check and XXXX 's actions, and they agreed that I should stop payment and that they would pursue all measures they could to recover my money. * XXXX banked/cashed the check 3 days later on XX/XX/XXXX, and the {$900.00} was debited from my account. * After my girlfriend cancelled her contract with XXXX, they refunded her credit card {$1700.00} on XX/XX/XXXX. Prior collection activity : * The company that XXXX used to cash the check and pay them then filed a collection with XXXX XXXX XXXX XXXX * Even though the underlying contract was in my girlfriend 's name and all communication to that point was with her, I received a notice of collection ( in appended email ) from Complete Payment Recovery around XXXX XXXX 2015 demanding payment of {$900.00} * I initiated contact with XXXX 's customer service department to resolve the collection as it had been made very clear to them that the check was stopped as XXXX did n't trust them not to bank it after they were fired from the job at the house. At this point, after repeated communication, they stonewalled around the collection and attempted to pass it off as a matter between the check company and me, as opposed to a matter between my girlfriend and them, and refused to acknowledge they took cash for a delivery as part of a " cash on delivery '' arrangement, with knowledge they did not have the goods to deliver. * Even though the dispute should be between the company that cashed the check and with XXXX, they pursued me. * I disputed this collection with XXXX XXXX XXXX XXXX and informed them of the facts, and that the contract that underlay the alleged debt was between XXXX XXXX and my girlfriend, not between XXXX XXXX and me. * Complete Payment Recovery dropped the matter, ceased mailing me, and did not make any notation on my credit report. Recent collection activity : * I noted in XX/XX/XXXX that XXXX XXXX XXXX filed a collection on my credit report regarding an alleged {$900.00} debt to XXXX XXXX XXXX. * The facts related to that {$900.00} are set out above, and I vigorously deny any underlying debt or contract between XXXX and me. * XXXX XXXX has not sent any letters about this matter, and has not contacted or attempted to contact me in any way. * I suspect XXXX XXXX is using frivolous and baseless filings with the credit reporting agencies as a fraudulent attempt to solicit a payment from me on a note they know or should have known has no basis.
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02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Account name : XXXX Account number : XXXX Account type : Charge Card Responsibility : Individual Date opened : XX/XX/XXXX Status : Paid, Closed.
Status updated : XX/XX/XXXX I have disputed an account I had opened with XXXX since it was closed and the account has never been removed from my credit report. I opened this card on XX/XX/XXXX to begin building credit. All of my payments were on time and I never missed a payment. I called XXXX XXXX customer service multiple times to inquire why they were reporting my payment as late to the credit bureaus when I was paying on time. XXXX informed XXXX they would verify this and update me as why this was occurring. However, XXXX never updated me as to why my payment history was incorrect. I eventually requested for the account to be closed due to the constant errors of XXXX XXXX XXXX I have disputed this through XXXX XXXX XXXX XXXX XXXX XXXX, and Equifax since the account was closed in XXXX. XXXX XXXX has reported to XXXX XXXX XXXX, and Equifax that my payment history was verified but it was never verified. I then requested additional information about the method of verification used. XXXX XXXX XXXX XXXX XXXX XXXX, and Equifax were required to respond within 15 days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax failed to provide this information in a timely and responsive manner, which are violations of federal regulations. XXXX XXXX has violated Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) ( i ) of the Fair Credit Reporting Act. XXXX XXXX has failed in their duty to furnish accurate information to the credit bureaus. XXXX XXXX has also failed in their required duties upon notice of a dispute through a credit reporting agency and their required duties upon notice of a dispute from a consumer ( direct disputes ). XXXX XXXX also failed to send me a negative information notice informing me of the negative information they would be reporting to nationwide consumer reporting agencies. XXXX, XXXX, and Equifax have failed in their required duties and examination procedures to verify the accuracy of the information reported to them from XXXX XXXX XXXX I have listed below the exact federal codes of the Fair Credit Reporting Act, that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax have violated : CFPB Consumer Laws and Regulations Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.
b. delete the item of information.
c. permanently block the reporting of that item of information.
Duties upon notice of dispute from a consumer ( direct disputes ) Section 623 ( a ) ( 8 ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ; 12 CFR 1022.43 General rule. A furnisher must conduct a reasonable investigation of a direct dispute ( unless exceptions, described later, apply ) if the dispute relates to : 1. the consumers liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; 2. the terms of a credit account or other debt with the furnisher, such as, direct disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; 3. the consumers performance or other conduct concerning an account or other relationship with the furnisher such as, direct disputes relating to the current payment status, high balance, payment date, the payment amount, or the date an account was opened or closed ; or 4. any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information.
Institutions may provide this disclosure on or with any notice of default, any billing statement, or any other materials provided to the customer, as long as the notice is clear and conspicuous. Institutions may also choose to provide this notice to all customers as an abundance of caution. However, financial institutions may not include this notice in the initial disclosures provided under Section 127 ( a ) of the Truth in Lending Act.
CFPB Examination Procedures Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 1 ) ( ii ) 1. If the entity provides negative information to a nationwide consumer reporting agency, verify that the entitys policies and procedures ensure that the appropriate notices are provided to consumers.
2. If procedural weaknesses or other risks requiring further investigation are noted, review a sample of notices provided to consumers to determine compliance with the technical content and timing requirements.
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09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. The account listed XXXX Account # : XXXX has several inconsistencies among the three reporting agencies.
Account # : XXXX XXXX XXXX Account Status : Derogatory Open Derogatory Monthly Payment : {$0.00} {$90.00} {$0.00} High Credit : {$200.00} {$200.00} {$120.00} Credit Limit : {$170.00} {$170.00} {$0.00} Past Due : {$15.00} {$75.00} {$15.00} Payment Status : Collection/Chargeoff Late 150 Days Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off - Charged off account Secured credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1693g - Consumer liability ( a ) Unauthorized electronic fund transfers ; limit A consumer shall be liable for any unauthorized electronic fund transfer involving the account of such consumer only if the card or other means of access utilized for such transfer was an accepted card or other meanas [ 1 ] of access and if the issuer of such card, code, or other means of access has provided a means whereby the user of such card, code, or other means of access can be identified as the person authorized to use it, such as by signature, photograph, or fingerprint or by electronic or mechanical confirmation. In no event, however, shall a consumers liability for an unauthorized transfer exceed the lesser of ( 1 ) {$50.00} ; or ( 2 ) the amount of money or value of property or services obtained in such unauthorized electronic fund transfer prior to the time the financial institution is notified of, or otherwise becomes aware of, circumstances which lead to the reasonable belief that an unauthorized electronic fund transfer involving the consumers account has been or may be effected. Notice under this paragraph is sufficient when such steps have been taken as may be reasonably required in the ordinary course of business to provide the financial institution with the pertinent information, whether or not any particular officer, employee, or agent of the financial institution does in fact receive such information.
Notwithstanding the foregoing, reimbursement need not be made to the consumer for losses the financial institution establishes would not have occurred but for the failure of the consumer to report within sixty days of transmittal of the statement ( or in extenuating circumstances such as extended travel or hospitalization, within a reasonable time under the circumstances ) any unauthorized electronic fund transfer or account error which appears on the periodic statement provided to the consumer under section 1693d of this title. In addition, reimbursement need not be made to the consumer for losses which the financial institution establishes would not have occurred but for the failure of the consumer to report any loss or theft of a card or other means of access within two business days after the consumer learns of the loss or theft ( or in extenuating circumstances such as extended travel or hospitalization, within a longer period which is reasonable under the circumstances ), but the consumers liability under this subsection in any such case may not exceed a total of {$500.00}, or the amount of unauthorized electronic fund transfers which occur following the close of two business days ( or such longer period ) after the consumer learns of the loss or theft but prior to notice to the financial institution under this subsection, whichever is less.
( b ) Burden of proof In any action which involves a consumers liability for an unauthorized electronic fund transfer, the burden of proof is upon the financial institution to show that the electronic fund transfer was authorized or, if the electronic fund transfer was unauthorized, then the burden of proof is upon the financial institution to establish that the conditions of liability set forth in subsection ( a ) have been met, and, if the transfer was initiated after the effective date of section 1693c of this title, that the disclosures required to be made to the consumer under section 1693c ( a ) ( 1 ) and ( 2 ) of this title were in fact made in accordance with such section.
( c ) Determination of limitation on liability In the event of a transaction which involves both an unauthorized electronic fund transfer and an extension of credit as defined in section 1602 ( e ) [ 2 ] of this title pursuant to an agreement between the consumer and the financial institution to extend such credit to the consumer in the event the consumers account is overdrawn, the limitation on the consumers liability for such transaction shall be determined solely in accordance with this section.
( d ) Restriction on liability Nothing in this section imposes liability upon a consumer for an unauthorized electronic fund transfer in excess of his liability for such a transfer under other applicable law or under any agreement with the consumers financial institution.
( e ) Scope of liability Except as provided in this section, a consumer incurs no liability from an unauthorized electronic fund transfer.
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02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
On XX/XX/2023 CFPB complaints along with an FTC Identity theft report were submitted to all 3 major CRA 's.
However your company have refused to block the information as defined in FCRA 605B and Title 15 USC 1681c-2.
You have no authority under any Federal or State law to report anything on my consumer file without my written or oral consent. Please provide me a copy of my oral or verbal consent or you will be held criminally liable for all violations pursuant to 15 USC 1681m.
XXXX. ) The request to block the information requested was NOT done in error since I went through the trouble of creating an identity theft report.
XXXX. ) My request was not a material misrepresentation.
XXXX. ) If you believe I obtained goods and services you must prove that I did.
XXXX. ) a consumer reporting agency MAY NOT RESCIND a block based on information that was already on my consumer report prior to the blocking of such information. That is NOT evidence of whether the consumer knew or should have known that the consumer obtained any goods, services or money as a result of the block.
If you rescinded a block please PROVIDE ME with this new evidence you obtained that you did not already have. If a company verified the debt, please provide me with the new evidence they obtained. All I received was copies of a consumer contract and/or financial statements.
If I received goods and services, please have a senior executive certified under the Penalty of Perjury that I have in fact received goods and services as a result of this transaction.
However I know you can not prove this because its not your business and you were not a witness to the transaction.
If you allowed a company to willingly display information without verifying or interviewing me to verify its authenticity, then that's FRAUD because you'll allow ANYONE and ANYTHING to be furnished without my consent.
A COPY OF A CONSUMER CREDIT CONTRACT is NOT sufficient to validate a debt- -Reference Case Law : Pacific Concrete F.C.U v. Kauanoe, 62 HAW. 334, 614 P.2d 936 ( 1980 ) -Actual damages are not capped at {$1000.00} ( Smith V Law offices of Mitchel N.Kay , D.Del. 1991 12 RB.R.182. ) -I do NOT have to show actual proof of actual damages- Crawford V credit collection services D.D.D 1995, 898 F.Supp.699 Under the FCRA ( Fair Credit Reporting Act ) you are NOT being fair! Your investigations are biased and unfair, especially when only asking one side of the story in your investigation.
It seems like anyone can open an account in my name and you will report it without asking me if the transaction actually happened. That is very UNFAIR.
You are giving more power to an organization over the actual consumer/creditor/natural person.
Title 15 USC 1681 ( a ) the first statement states " ACCURACY and FAIRNESS '' of credit reporting.
Accuracy is about equity! It has to be equitable to the consumer which is I the natural person. Has to be fair on both sides.
What's fairness? Fairness is conducting a thorough investigation and gathering evidence from both sides. However when someone applies for a credit extension under my name, and the financial institution reports it to you, with you verifying the information with me and asking for my consent, is that Fair??
The banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. Inaccuracy IMPAIRS the efficiency of the banking system, and your unfair and deceitful credit reporting methods undermines my public confidence in an ELABORATE MECHANISM who ONLY assumed this vital role in assembling and evaluating information on consumers. However just because you assumed this role, DOES NOT mean you have the authority to do so. Your authority comes from the consumer/natural person and no one else. I am effective immediately revoking your authority to furnish and report I DO NOT consent to.
Under the FCRA Title 15, congress has made it very clear to me that YOU ARE NOBODY! You have made yourself bigger than what you are by deceitful tactics and you don't have the power or authority to do what you are doing.
You keep sharing my address, which puts my life at risk.
You have shown displays that you have failed to exercise your grave responsibilities with fairness, impartiality, and respect for the consumers RIGHT TO PRIVACY!
THE RIGHT TO PRIVACY IS NOT AN OPTION!!!!!
title 15 usc 1681 defines the word consumer as the natural person.
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX , and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX XXXX & autograph as the agent , attorney in fact, so be it : I am writing to inform you of a Equifax Data Breach & compromise of my private , vital personal Information. Pursuant to 15 USC 1681 ( a ) ( 4 ) your company failed to ensure the Information reported was accurate & falled to exercise their grave responsibility with fairness & Impartiality.
Why was I never contacted to discuss these matters? Why wasn't I made a part of the original investigation?
Sounds like you gave dead-entity corporations & rights never granted. This is Identity theft and fraud.
A consumer report is ANY written, oral or other communication of ANY information.
Since a consumer report can be written, I am speaking for myself on my own behalf, I am assuming this vital role as a creditor and Im telling you this information is fraudulent and inaccurate.
You claimed to conduct an investigation with the companies referenced in my FTC identity theft reports, but how did you investigate something with a NON-LIVING person?
Even if you spoke to an agent, how do they have first hand knowledge of the information being furnished??
Do you have a financial interest in furnishing all information regardless of it being valid or invalid??
I know you do because Title 15 USC 1681a ( d ) ( 3 ) ( f ) clearly states that the term " Consumer Reporting Agency '' means ANY person which, for MONETARY FEES, DUES, engages in whole or part of the practice of assembling or evaluating consumer credit information on a consumer.
So Third party companies sell you information, and you turn around and sell that information to other third parties.
Due to your behavior I have suffered damages, extending to Stress, XXXX, marital problems with my wife, XXXX, XXXX XXXX, loss of time with family, hospitalization and much more.
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08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I just received my investigation results. Complaint # XXXX and saw some accounts were verified. However, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. The Credit Bureaus stated that my account was properly investigated but how is that possible when the high balance is inaccurate, balance owed is inaccurate, account number is inaccurate, last verified is inaccurate, close date is inaccurate, and date reported is inaccurate. This is grounds for removal.
One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX. Account Name : DP OF EDUC Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} XXXX. Account Name : US DEPT ED Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} XXXX. Account Name : US DEPT ED Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} XXXX. Account Name : DP OF EDUC Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} XXXX. Account Name : DP OF EDUC Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} XXXX. Account Name : DEP OF EDUC Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} XXXX. Account XXXX : Account XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} XXXX. Account XXXX : Account XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
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08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
|
XXXX XXXX can not collect on a discharge debt. This is now considered a certificate of indebtedness which is income per the IRS and can not be reported.
The balance should be refunded to me the consumer. I am now requesting XXXX XXXX to refund the remaining balance.
XXXX XXXX agreed not to release my financial information to non affiliates and Equifax is not an affiliate of XXXX XXXX. The only true bureau is the CFPB. They do NOT furnish consumer reports.
1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
248.124 Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
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08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
|
XXXX XXXX can not collect on a discharge debt. This is now considered a certificate of indebtedness which is income per the IRS and can not be reported.
The balance should be refunded to me the consumer. I am now requesting XXXX XXXX to refund the remaining balance.
XXXX XXXX agreed not to release my financial information to non affiliates and Equifax is not an affiliate of XXXX XXXX. The only true bureau is the CFPB. They do NOT furnish consumer reports.
1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
248.124 Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
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10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like all the late payments on this inaccurate account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like all the late payments on this inaccurate account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, XXXX has violated my consumer rights by reporting fraudulent information across my Equifax consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like all the late payments on this inaccurate account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
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10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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This is an ongoing problem I am trying to correct. For years I had no idea that this was why there even was a problem in the first place cos no one will tell you anything they simply deny whatever it is you are trying to do.
Somehow two of the three main credit bureaus have ended up with an incorrect dob for myself. This is a huge problem because when an agency wants to electronically verify you, they do not do this through the agency they are using to verify your records with. Oh no. That would make things far too simple. Instead they go through yet another agency, a credit bureau.
If a call is placed to the SSA about my records, they have the CORRECT dates the CORRECT everything. But, if you happen to be electronically checking this out, like for instance, at the DMV, well then they have the WRONG records, because it isn't the SSA records it is now the records of said agency.
When you are at the DMV they simply say you are not matching with SSA.
It took me years, years (! ) to even be able to figure out what was going on.
I still do not know why it is going on. I do know that you can access everybodys birth certificate info via a certain site. It is a state site and it has the Mother 's Maiden name and DOB and county as well. I know this cos I was trying to amass as many records as possible to prove my identity. Anyway, on that site I observed at least four people who had the same name as me. One of them had the year of the DOB they say that comes up for me now. This is the only thing I can find as the possible cause of this mix up.
Unfortunately, once you come up as WRONG they no longer listen to you at that point. This is whether you are in an office or whether it is electronically over the net. So you can not say, " Hey wait, this might be the problem ... '' cos as far as they are concerned you no longer exist or even worse are potentially fraudulent even.
Somehow all my information has vanished from DMV records. I am in a 5 year plus battle just to obtain a California ID. I have college transcripts, federal stimulus debit cards, tax records, I am a registered voter and I have completed jury duty and I am expected to show up for jury duty next month, yet somehow I am not entitled to a plain Ca. Id Card.
When I attempt to have Equifax correct my records, I do not even get past the first step because you must input your info at the very beginning. I do not know the exact incorrect info they have and I put my real info of course which makes them just shut me out of the system.
I was on the phone with XXXX about this issue. The gentleman on the phone said he was going to send something in the mail. I have never heard from them since.
The DMV is going to make me get my name on my birth certificate changed in spite of the fact I have never used it for anything and all of my other documents are under my name, the same name I have had at least 20 years no 30 years. It takes many weeks to do this with the court and also it is at least {$500.00}! There is a pandemic, I have XXXX XXXX and my significant other will be having XXXX XXXX XXXX. I need a CaID and I am and have always been entitled to have one.
It wasn't easy getting my birth certificate, you need a notary stamp. The way I understood it was that is how they will be able to give you your ID if your name no longer matches, Because if you are able to get the certificate in the first place and it isn't easy. I went through all that, jumped through their hoops, and thought when I went to the DMV for the fourth time and sat there for three hours during this pandemic, that this would be the time that I finally would at long long last be able to procure an ID. NOPE WRONG. I was born in California and obviously so. This is undue hardship and it is being done not just to me, but many many others. Some of them not as lucky as I perhaps making up the sky rocketing numbers of homeless people. You can not do anything without an ID. If this has put you on the street you can not sit down and write a letter to the DMV, not that it does any good anyway, because it is their policy not the mistake of someone working at the DMV. The DMV has went way overboard in their efforts to subvert fraud, They have in fact made it where law abiding citizens are unable to prove who they are in the complete abandonment of any sort of common sense whatsoever. I wonder how many people are forced to go to the dark web for credentials. That seems extreme, but if one is faced with being on the street or going to the dark web...
I do not know about you but I would pick the latter. Thankfully I have not had to do this, but that is only thanks to being able to rely on others. Not everyone has that option. It should not be so impossible to get an ID. The reason it is hard for some people is because they have had parents that made certain decisions.
These types of decisions are typical in regard to a dysfunctional parent. So people like myself who were raised like that have already had their share of hardship. We should not have it all churned up all over again just in an effort to prove who we are, just to be denied by the DMV anyway.
I was not picked for jury duty before it was done by the net and I completed it.
This time, due to my significant other 's XXXX XXXX XXXX I got it transferred to a nearby court. In return for this I am automatically serving if I am not mistaken.
You probably need a CA ID. If you do not, I do not see how I can fulfill jury duty for a state that will not issue an ID card that I am perfectly entitled to and have been trying to obtain for over five years. I have lived here at this same address for ten years. I have had the same phone number five years and I have never been MIA or given ANY reason why I am not entitled to an ID. They say they can not find my in their system. So many times they have told me this. Yet, they say if I can come up with my ID number I can magically get a new ID. How is this possible if I am not in their system? I had a Ca.
ID for at least eight years. Why am I being punished for system failures and so forth that I have nothing to do with? Now I am beginning to look back at the years going by faster and faster that I have not been allowed to have an ID. It really is just not right. The DMV will once again get to the part where they go to verify me with SSA. I would like Equifax and XXXX to have their records straight so that all my records are straight cos if they are not the DMV will AGAIN say I can not have an ID and at that point I just do not know what I will do. Thank You so much
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05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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You are in violation of The Fair Credit Reporting Act, several of the accounts on my consumer report are Inaccurate and are violating my rights. My personal information on my consumer report should be exactly the way it is stated in the section above. Any Names, Addresses, DOB, Social Numbers, Email addresses, Employers, that are not in the section above are inaccurate and should be removed immediately.
Accounts That are in Violation : XXXX XXXX XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete.
15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXXXXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX Card : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXXXXXX XXXX XXXXXXXX Credit Card : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX XXXX : XXXX I have no acknowledgement of this account, I have never signed a contract of debt with this company. Delete immediately off of my consumer report. This account is being reported under collections, which means they bought information from another company which now means i'm not liable for this under Law. Delete immediately 15 US Code 1692 ( b ) - Acquisition of Location Information ( 2 ) not state that such consumer owes any debt : ( 3 ) not communicate with any such person more than once unless requested by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information XXXX XXXX XXXX XXXX I never gave permission to this company to run a hard inquiry on my consumer report. Provide proof of signature for this request of debt. If you can not provide delete immediately for this is in violation of my rights.
15 US Code 1681 ( b ) - Permissible purposes of Consumer Reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX XXXX XXXX Inquiry I never gave permission to this company to run a hard inquiry on my consumer report. Provide proof of signature for this request of debt. If you can not provide delete immediately for this is in violation of my rights.
15 US Code 1681 ( b ) - Permissible purposes of Consumer Reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
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04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS XXXX : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX my wife and I contacted our mortgage lender regarding initiating a home refinance. At that time he notified us that there was an account with a company called XXXX XXXX XXXX that was reporting a past due payment of {$2.00}. As a result, my credit score has been greatly negativly effected. Prior to the information from our lender, we had absolutely no knowledge of this account. I, nor anyone in my household ever applied for credit from, or had ever even heard of XXXX XXXX for that matter. We have never received and correspondence from this company in the form of account information, notice of an application, a bill, a late payment notification, nothing. This is because I, nor anyone in my home, ever applied for this line of credit. Immediately contacted XXXX via email on XX/XX/XXXX to alert them of the fraudulent account, request an investigation and have this removed from my credit report immediately.
" Hello, We are in the midst of applying to refinance our home. Our lender just alerted us to a credit line that was taken out in my husband 's name in XX/XX/XXXX. We have never applied for credit through your company. This was done fraudulently on our behalf. Additionally, your company recently reported a late payment of {$2.00} on this account to the credit bureau last month. This late payment report has dropped my husband 's credit score from high XXXX 's to XXXX. We are now unable to refinance the house as a result.
This is a screen shot of the only information we have on this account.
image.png XXXX things we need assistance with, closing this account immediately, as it was opened under his name fraudulently.
Secondly, we need the " late payment '' report to be reversed and reported to the credit bureaus so we can raise his credit score back to where it was previously. We will also be reporting this fraud to all three credit bureaus.
Please reply at your earliest convenience with next steps to resolve this issue. Please also feel free to call me at XXXX.
Thank you.
XXXX XXXX '' I received this response on XX/XX/XXXX.
On Tuesday, XX/XX/XXXX, XXXX XXXX CST, XXXX XXXX wrote : Hi XXXX XXXX, We understand how disconcerting this can be and will do our best to help resolve this. To locate an account under your husband 's personal information, we will need to confirm his information. If you could please provide us with his full name, last XXXX of his XXXX and your current address, we will investigate our system and get back to you on what we find to resolve this issue.
Best, XXXX I replied with the information they requested and received this response on XX/XX/XXXX.
" XXXX XXXX XXXX, Thank you for providing that information. I was able to locate the account in question and have closed and deactivated it at this time. In your prior email you stated you are wishing to have this account removed. I would advise that if you are still wishing to have this removed, please file an official dispute with the bureaus so they can forward over the information to our investigation team for them to review. Please know investigations and resolution of the dispute can take up to 25 business days from the date we receive it from the bureaus.
Best regards, XXXX '' So I immediately contacted XXXX and Equifax and began a dispute with them, as they are the only 2 credit bureaus that XXXX reports to. I just received the results of the dispute and was incredibly disappointed to find that their investigation did not resolve this matter. I am now taking steps to do everything I can to have this removed from my credit report and have this resolved. This has effected my credit score so negatively that it has limited our families ability to refinance our home.
I have contacted XXXX again today, XX/XX/XXXX and copied XXXX and Equifax on the email. This is the email I sent.
" Good morning, We have received the results of the fraud investigation completed by XXXX and Equifax. Both of the investigations found there to be no reason to change or remove the XXXX credit account from my credit report. This is reference to XXXX dispute # XXXX and Equifax dispute # XXXXXX. I can only surmise this is a result of information provided to the investigator by XXXX. This result is absolutely inaccurate and incorrect.
The account in question was opened fraudulently in my name and without my knowledge. The account then immediately defaulted on a {$2.00} minimum payment on a {$24.00} balance. I have a long standing, excellent track record of paying my accounts on time and as agreed. There is absolutely no way, if this were an account I was responsible for and had any knowledge of whatsoever I would allow this account to default and payment to be past due on a {$2.00} payment/ {$24.00} balance. I have received zero correspondence from XXXX in the form of a bill, a late payment notice, a letter informing me of the status of this account, an account number, etc. Nothing. And that is because this is not my account, was not opened by me or any one in my household. I had absolutely no knowledge of this account, until pulling my credit report in preparation for a possible home refinance. I was shocked to find this on my report and reached out to XXXX immediately for resolution. I received a response that XXXX had closed the account, but that I would have to contact the individual credit agencies if I wanted this removed from my report. I did so immediately. And here we are now. With no resolution.
Since then, I have reached out to XXXX multiple times for a status update on this investigation, with no response. I am requesting that XXXX immediately reports to parties at both XXXX and Equifax that this account was allowed by XXXX to be opened fraudulently in my name. And this account and it's " late payments '' be removed from my credit report immediately. This egregious mistake and oversight on the behalf of XXXX has now caused my credit score to be greatly affected. This is wrong and must be corrected immediately. If this is not resolved in the next 15 business days, I plan to pursue action with the Consumer Financial Protection Bureau and our State Attorney General. I expect a response in writing from XXXX by close of business today on how you plan to rectify and resolve this mistake and correct my credit report.
Sincerely, XXXX XXXX I am hoping your agency can help resolve this matter. Without your assistance I am afraid we will not be able to rectify this issue and reverse the damage done to my credit report and our families future.
Thank you for your time and consideration.
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08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized FLAGSHIPCRDT Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. Please remove it from my credit report.
XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. Please remove it from my credit report.
XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. The inquiry was not authorized XXXX WEST Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, A This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX VERDE XXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
XXXX. The inquiry was not authorized FIFTH THIRD Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized TD AUTO FIN Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized RIGHT XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX SC Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized DESERTFIN Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX CO Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized COAF Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Sincerely, XXXX XXXX XXXX
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10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom it may concern, This is my XXXX attempt to remove items that have not been validated on my report after XXXX failed attempts. I will NOT be blatantly ignored and treated as though I am ignorant. Federal law is clear as to what the scope of validation and documentary material is so my requests are not tedious or malicious. I have studied my rights as a consumer under Section 623 of the FCRA, FCC FRA, Truth in Lending as well as administrative process. It has come to your attention XXXX times that there are XXXX inaccuracies within my consumer report that need to be corrected immediately. You have failed to comply with my requests XXXX. I am no longer demanding proof of ownership for the accounts in question below I am DEMANDING IMMEDIATE REMOVAL. I DO NOT GIVE PERMISSION FOR THE ACCOUNTS TO BE LISTED ON MY REPORT, continuation to not respond accordingly to these below accounts are VIOLATIONS OF FEDEERAL LAW. The accounts in question are below XX/XX/XXXXThis is my XXXX attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under XXXX XXXX XXXX There was NO full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. I DEMAND removal immediately. XXXX XXXX XXXX This is my XXXX attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under XXXX XXXX XXXX I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. This account has also reached its statute of limitations on debt in XXXX pursuant to XXXX XXXX. .I DEMAND removal immediately. XX/XX/XXXX This is my XXXX attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under XXXX XXXX XXXX. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. This account has also reached its statute of limitations on debt in XXXX pursuant to XXXX XXXX. .I DEMAND removal immediately. XXXX XXXX XXXX This is my XXXX attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under XXXX XXXX XXXX. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. This account has also reached its statute of limitations on debt in XXXX pursuant to XXXX XXXX. Please remove immediately. XXXXXXXX XXXX XXXX Pursuant to XXXX XXXX XXXX XXXX late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. XX/XX/XXXX - Pursuant to XXXX XXXX XXXX late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. XXXX XXXX XXXX XXXX - Pursuant to XXXX XXXX XXXX, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXThis is my XXXX attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. I have also attached proof of a XXXX balance for this account from the creditor. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. XXXX XXXX XXXX XX/XX/XXXX - This is my XXXX attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. I will not hesitate to bring legal action against you for the following : XXXX Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character Your offices DID NOT provide proper documentation as requested in my previous request. If the alleged debt accounts are not removed immediately, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within XXXX XXXX from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX ) request shall be sent to me immediately. AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY Thank you, XXXX XXXX
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08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention a series of violations that have egregiously impacted my credit report, resulting in significant emotional distress and financial setbacks. I am seeking your urgent intervention to rectify these violations in accordance with the applicable laws, thereby restoring fairness and accuracy to my credit history.
The violations, along with the respective account details, are as follows : XXXX XXXX XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting ( FCRA Section 611 ) Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This address is not correct. Delete it immediately from my report.
XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting ( FCRA Section 611 ) Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
NAME : XXXX XXXX XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This is not my name. Delete it immediately from my report.
CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This address is not correct. Delete it immediately from my report.
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting ( FCRA Section 611 ) Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
These violations have had a profound and distressing impact on my life. The inaccuracies and unauthorized inquiries on my credit report have not only hindered my ability to secure loans and credit, but they have also created a constant state of XXXX and concern. It is a daily struggle to navigate financial matters with the weight of these errors and discrepancies.
I implore the Consumer Financial Protection Bureau to intervene and enforce the legal provisions that safeguard consumers like myself. I am requesting the following actions : Conduct a thorough investigation into each of the violations mentioned above.
Ensure that the creditor provides documented verification of the accounts in question.
Enforce the relevant provisions of the Fair Credit Reporting Act ( FCRA ) to rectify the inaccuracies and unauthorized inquiries promptly.
In cases where the accounts can not be verified, require the creditors to remove these unverified accounts from my credit report.
Your intervention in this matter is paramount, as it will not only alleviate the emotional and financial distress I have endured but also set a precedent for the fair and accurate treatment of all consumers who face similar challenges.
I appreciate your attention to this matter and eagerly await a resolution that upholds the principles of justice and consumer protection. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any additional information.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
|
07/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Equifax has allowed Fraudulent Inquiries, and Fraudulent Accounts to be reported on my Equifax Credit Report. Equifax was sent an FTC Identity theft Affidavit which was also sent to the local law enforcement agencies. Equifax, has not conducted an investigation and continues to report the fraudulent accounts, Which are listed below. These accounts were opened as result of identity theft, Which were opened using fraudulent addresses and stolen identification. I did not authorize said accounts, nor did I receive any Monetary benefits from these accounts as I am a victim of identity theft. Equifax should follow the applicable FCRA Laws Since they were also hacked, and partly this identity theft was caused by the Equifax BREACH, Which equifax did nothing about.
Fraudulent Accounts - XXXX XXXX - Opened XX/XX/XXXX Balance {$2900.00} Credit Limit {$3000.00}.
XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 3 mos ) Credit Limit {$2500.00} Current balance {$2500.00}.
XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 0 mos ) Credit limit {$3000.00} Current balance {$1300.00} XX/XX/XXXX - Opened on XX/XX/XXXX ( 1 yrs, 1 mos ) Credit Limit {$15000.00} current balance {$29.00} XXXX XX/XX/XXXX - Opened on JXX/XX/XXXX ( 1 yrs, 1 mos ) Credit limit {$1000.00} Current Balance - {$1100.00} ( Never Authorized Email was compromised they used to apply, never received a card ) XXXX XX/XX/XXXX XXXX Opened on XX/XX/XXXX ( 1 yrs, 0 mos ) Credit limit {$10000.00} Current Balance {$3100.00}.
XX/XX/XXXX - Opened on XX/XX/XXXX ( 1 yrs, 11 mos ) Credit limit {$2000.00} Current Balance {$2300.00} XX/XX/XXXX/XX/XX/XXXX - Opened on XX/XX/XXXX ( 1 yrs, 1 mos ) Credit limit {$500.00} no balance ( Never received, never authorized ) In fact XXXX sent a letter confirming they closed the account as application fraud.
XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 5 yrs, 1 mos ) Credit limit {$15000.00} Current balance $ {$15000.00} ( Fraudulent Credit Card Application and Account ) XXXX XXXX - Opened on XX/XX/XXXX ( 6 yrs, 6 mos ) Credit Limit {$500.00} Current Balance {$0.00} ( XXXX XXXX Confirmed this was fraudulent, sent me a letter confirming they closed the account due to identity theft, and then later are reporting it on my credit report ) Again I have a letter from the company.
XX/XX/XXXX - Says undesignated balance is {$0.00} XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 10 mos ) Credit Limit {$8000.00} Current Balance - {$8300.00} ( Fraudulent Not Authorized, XXXX was used for XXXX on the card as well, which was reported and they allowed the fraudulent charges through and XXXX reimbursed the card but the company didn't investigate the fraud. ).
XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 5 yrs, 1 mos ) Balance {$10000.00} Credit Limit {$10000.00} XX/XX/XXXX - Opened on XX/XX/XXXX ( 2 yrs, 0 mos ) {$1100.00} Credit Limit current balance {$1600.00} ( Not Authorized was reported to XXXX XXXX ) XXXX XXXX - Opened on XX/XX/XXXX ( 5 yrs, 0 mos ) {$2600.00} Credit limit current balance {$4600.00} ( Not Authorized card was sent to XXXX XXXX XXXX, XXXX TX XXXX. Which I never was associated with ) XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 7 mos ) Credit Limit {$4800.00} Current Balance {$13000.00} ( Card is fraudulent, Not authorized, Opened from an Identity Thief. Card was not ever received, therefore wasn't used, I do not do business with this institution and never have. ) XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 9 mos ) Original Balance {$15000.00} Current Balance {$15000.00} ( Not Authorized not a member of the military which is required to join ).
XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 1 mos ) Balance {$11000.00} Highest balance {$12000.00}. Unauthorized, Application was not authorized. Account was not authorized nor signed for by me.
XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 0 mos ) Balance {$10000.00} Credit Limit {$10000.00} ( Not Authorized. ) XXXX XXXX XXXX - Opened on XXXX XXXX XXXX ( 1 yrs, 1 mos ) Balance {$9900.00} Highest Balance {$10000.00}. ( Not Authorized. Did not apply for this Account ) XXXX XXXX - Opened on XXXX XXXX XXXX ( 1 yrs, 4 mos ) ( Line of Credit not authorized. ) Current Balance {$9800.00} Credit limit {$9900.00} XXXX - Opened on XXXX XXXX XXXX ( 1 yrs, 0 mos ) Balance {$8700.00} Credit limit {$9100.00} unsecured loan that was not authorized.
XXXX XXXX XXXX - Opened on XXXX XXXX XXXX ( 1 yrs, 2 mos ) Current Balance {$8000.00} Unsecured Loan not authorized. Highest Balance {$8500.00} XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 0 mos ) Unsecured Loan not Authorized Current Balance {$4400.00} Highest balance {$5000.00} XXXX, XXXX Opened on XX/XX/XXXX ( 1 yrs, 3 mos ) Balance {$3900.00} Highest Balance {$4000.00} Line of Credit Not Authorized.
XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 5 mos ) Balance {$1900.00} Highest Balance {$1900.00} Line of Credit Not Authorized XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 2 mos ) Balance {$0.00} Highest Balance $ {$8000.00} ( Reported as charge off Bank doesn't exist anymore, and this is not my account was opened fraudulently. ) XXXX NA - Opened onXX/XX/XXXX ( 1 yrs, 3 mos ) Highest Balance {$1000.00} Line of Credit Not Authorized XXXX XXXX XXXX Opened on XX/XX/XXXX ( 1 yrs, 2 mos ) Highest Balance {$0.00} Credit Limit {$4000.00} Line of Credit UNAUTHORIZED.
XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX ( 5 yrs, 1 mos ) Balance {$1800.00} Credit Limit $ Not Reported, Line of Credit that was not authorized. Incorrectly Reporting.
XXXX XXXX - Opened on XX/XX/XXXX ( 9 mos ) Balance {$15000.00} Highest Balance is {$0.00}. Unsecured Loan that was not authorized to be opened nor applied for.
XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 5 yrs, 6 mos ) Balance {$650.00} payment status shows no info, No payments were ever made because I never authorized any accounts from this company nor signed anything for an application.
XXXX XXXX XXXX XXXX - Opened on XXXX XXXX, XXXX ( 1 yrs, 3 mos ) Balance {$7600.00} Unsecured loan which was opened Fraudulently. This is not an authorized application nor account.
XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 11 mos ) Reported Balance {$0.00} Reports as a Charge off. Unsecured LOAN. Which is not authorized was not approved, and was not applied for by me online. I already advised the company.
Inquiry - XXXX XXXX XX/XX/XXXX. Fraudulent not authorized.
As you can see. Equifax has not provided resolution, They are reporting a-lot of Inaccurate information. Which is not authorized, not updated and does not provide details of the crime, they are not assisting in blocking these fraudulent accounts either.
|
06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report.
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report.Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate and Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Account XXXX : XXXX Please remove it from my credit report.
|
01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. DEPT OF EDUCATIONXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. DEPT OF EDUCATIONXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. DEPT OF EDUCATIONXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. DEPT OF EDUCATIONXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. DEPT OF EDUCATIONXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX ATTN Risk Management Officer This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e ET seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( 6 ).
Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act.
In the attachment included with this letter you will see my identifying information as well as my consumer report from XXXX and XXXX which shows I do not have any account of Reported on my XXXX and XXXX consumer credit report. However this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields which do not match between both XXXX and XXXX. I demand this account to be removed from consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly deleting that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S.Code 1681i ( 5 ) ( A ).
Remove/Delete the following account.
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
2. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report.
3. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
|
04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
Hello, I am writing to file a final dispute regarding a creditor 's inaccurate reporting on my credit report. The creditor in question is XXXX, account number XXXX.
According to my credit report from XXXX and XXXX, there are discrepancies in the reported monthly payments, date opened, balance, and past due date. Additionally, XXXX has reported me as being late on a payment, despite me never receiving any notification from them or missing any payments on this account.
These inaccuracies have had a significant impact on my life. Due to the negative marks on my credit report, I have been denied credit, charged higher interest rates, and even lost job opportunities. It has been an emotionally taxing experience that has caused me a great deal of stress and anxiety.
I believe that XXXX has violated several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACT ACT ) by failing to provide accurate information to credit reporting agencies and not following reasonable procedures to ensure the maximum accuracy of my consumer report. Additionally, they failed to conduct a reasonable investigation of my dispute and notify credit reporting agencies of my dispute as required by law. Specifically, I have identified several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACT ACT ). The following violations were found with regards to my account with XXXX XXXX ( Account Number : XXXX ) : Violation of FCRA Section 607 ( b ) : The information provided to the credit reporting agencies by XXXX XXXX was inaccurate and incomplete, as the reported account type, account status, number of months/terms, and last reported date were inconsistent across XXXX, XXXX XXXX and Equifax reports.
Violation of FCRA Section 611 ( a ) ( 1 ) : The credit reporting agencies failed to follow reasonable procedures to ensure maximum accuracy of consumer reports, as evidenced by the discrepancies in reporting by XXXX, XXXX, and Equifax.
Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) : The credit reporting agencies failed to conduct a reasonable reinvestigation of the disputed information, as the discrepancies were not resolved despite my requests for investigation.
Violation of FCRA Section 623 ( b ) ( 1 ) : The credit reporting agencies failed to promptly modify or delete inaccurate or incomplete information, as the discrepancies remain on my credit report.
Violation of FACT ACT Section 312 ( a ) ( 1 ) : XXXX XXXX failed to provide notice to me of their intention to report negative information to the credit reporting agencies.
Violation of FACT ACT Section 312 ( b ) : XXXX XXXX failed to notify the credit reporting agencies of my dispute regarding the inaccurate information.
Violation of FACT ACT Section 312 ( c ) : XXXX XXXX failed to conduct a reasonable investigation of my dispute, as the inaccuracies remain on my credit report.
In addition, XXXX XXXX may have also violated the Truth in Lending Act ( TILA ) Section 166 ( a ) ( 2 ) by failing to correct the billing errors within a specified time frame.
XXXX XXXXXXXX on my credit report. The details of the discrepancies are as follows : According to XXXX, the account type is a charge account, but Equifax is not reporting it. Additionally, XXXX is reporting a high credit balance of {$0.00}, while Equifax is reporting {$6500.00}. Furthermore, XXXX is reporting a credit limit of {$6500.00}, while Equifax is reporting {$0.00}. Lastly, XXXX is reporting the last reported date as XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX.
These discrepancies have had a significant impact on my life, and I am deeply concerned about the accuracy and integrity of my credit report. As a result of these inaccuracies, my ability to obtain credit has been severely affected. I have been denied credit opportunities, higher interest rates, and insurance premiums, which have resulted in financial difficulties for me.
It is my understanding that XXXX has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ) by failing to provide accurate information to credit reporting agencies, and Section 611 ( a ) ( 1 ) by failing to follow reasonable procedures to ensure maximum accuracy of consumer reports. Additionally, Section 623 ( a ) ( 1 ) ( A ) requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information, and Section 6XXXX ( b ) ( XXXX ) requires them to promptly modify or delete inaccurate or incomplete information.
Furthermore, the Fair and Accurate Credit Transactions Act ( FACT ACT ) mandates that furnishers of information must notify credit reporting agencies of the consumer 's dispute, as outlined in Section XXXX ( b ), and conduct a reasonable investigation of the dispute, as outlined in Section XXXX ( c ). If XXXX provided inaccurate information, they may also have violated the Truth in Lending Act ( TILA ), Section 166 ( a ) ( 2 ), which requires creditors to correct billing errors within a specified time frame.
XXXX under account number XXXX. According to Equifax, the payment status for this account is charge off, but I have never received any notification or paperwork from XXXX regarding this charge off account. Additionally, the other two bureaus have not reported any negative information on my account.
These inaccuracies have had a significant impact on my life. I have been trying to secure a loan to start a small business, but my credit score has been severely impacted by these inaccuracies, making it nearly impossible to obtain the necessary funding. This has caused a great deal of stress and financial strain, as my business venture is now at a standstill.
I believe XXXX has violated several sections of the Fair Credit Reporting Act, including Sections XXXX07 ( b ), 611 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ), and 623 ( b ) ( 1 ). Furthermore, if OneMain provided inaccurate information or failed to correct inaccurate information, they may have also violated Section 166 ( a ) ( 2 ) of the Truth in Lending Act.
I am asking that you enforce the legal requirements under the FCRA and TILA to ensure that all inaccurate and unverified information is removed from my credit report. This will not only help me secure the necessary funding to start my business, but it will also help to alleviate the stress and financial strain that I have been experiencing.
Thank you for your attention to this matter. I look forward to hearing back from you soon.
Sincerely, XXXX XXXX
|
06/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
Collections XXXX XXXX, XXXX {$390.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$390.00} High Balance {$320.00} Remarks -- XXXX XXXX XXXX, XXXX {$1200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1200.00} High Balance {$1200.00} Remarks Medical XXXX XXXX XXXX {$2900.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$2900.00} High Balance {$2900.00} Remarks Medical XXXX XXXX XXXX XXXX {$980.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$980.00} High Balance {$980.00} Remarks Medical XXXX XXXX XXXX {$1200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1200.00} High Balance {$1200.00} Remarks Medical XXXX XXXX XXXX {$1700.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1700.00} High Balance {$1700.00} Remarks Medical XXXX XXXX XXXX {$1700.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1700.00} High Balance {$1700.00} Remarks Medical XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1100.00} High Balance {$1100.00} Remarks Medical XXXX {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$190.00} High Balance {$190.00} Remarks -- XXXX XXXX XXXX {$300.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$300.00} High Balance {$300.00} Remarks Medical XXXX XXXX XXXX {$140.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$140.00} High Balance {$140.00} Remarks Medical XXXX XXXX XXXX {$320.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$320.00} High Balance {$320.00} Remarks Medical XXXX XXXX XXXX {$120.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$120.00} High Balance {$120.00} Remarks Medical XXXX XXXX XXXX {$300.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$300.00} High Balance {$300.00} Remarks Medical XXXX XXXX XXXX {$43.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$43.00} High Balance {$43.00} Remarks Medical XXXX XXXX XXXX {$36.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$36.00} High Balance {$36.00} Remarks Medical XXXX XXXX XXXX {$180.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$180.00} High Balance {$180.00} Remarks Medical XXXX XXXX XXXX {$180.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$180.00} High Balance {$180.00} Remarks Medical XXXX XXXX XXXX {$320.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$320.00} High Balance {$320.00} Remarks Medical XXXX XXXX XXXX {$300.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$300.00} High Balance {$300.00} Remarks Consumer disputes this account information Medical XXXX XXXX XXXX {$32.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$32.00} High Balance {$32.00} Remarks Medical XXXX XXXX XXXX {$1900.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1900.00} High Balance {$1900.00} Remarks Medical XXXX XXXX XXXX XXXX XXXX {$1500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1500.00} High Balance {$1500.00} Remarks Medical Collection account ALL FTC THAT WAS FILED
|
07/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
As you can see in complaint XXXX Equifax wants to continue to yell at the consumers when we are very specific in what we are requesting. They repeatedly keep checking my consumer report and have not been given permission to do so, however Equifax didn't address the issues and a specific resolution was provided. This complaint is from the my denial for the DATA FURNISHER PROGRAM FOR no reason. AGAIN, For exercising my right per 15 USC 1691 a ( 3 ) and filing previous complaints to Consumer finance regarding an erroneous account on my consumer report that is 12 years old ( dept of edu and nelnet, which they still have not been deleted ) which this account has been removed and inserted on my account since XXXX, and we all know re-aging is illegal. As you can see in consumer complaint # XXXX Equifax refused to take fault in erroneous reporting and instead just deleted the inaccurate information and not the acct, even though I have several previous credit reports showing different reporting information regarding this same account since XXXX on a 36 months term account. This account has been deleted and reinserted back on my account several times, so I complained again, and informed them, that replacing blank data in place of the incorrect data is not considered accurate data, and re-aging is illegal. Not to mention that this account is reported as a charge off and a collection and we know per law, 1099 income and debt can not be continuing to be reported as a charge off AND a collection, neither one of the statuses were accurate, so I submitted another complaint. Instead the respondent was yelling and refused to remove the account as you can see the tone in the response in the complaint # XXXX. These complaints have caused me to be retaliated and discriminated against and denied participating in Equifax XXXX XXXX program. Since then, my personal credit score has decreased XXXX points as well and I havent been late on anything in 3 years, but its being reported as a receipt delinquent account. Since then, Equifax refused to respond to my application for the XXXX XXXX program and after not responding to 4 emails, I had to call in and complain and I then received an email response the following day of a denial with no explanation. I never received a call as advertised that a consumer will receive after applying for questions or for clarity. No investigation was performed, and no denial reason was given but indicated several statements of their reputation. What does reputation have to do with a denial? I also requested an appeal process and never received a response. This is clearly discriminatory and retaliation. The retaliation, discriminatory and bias treatment was from me filing previous complaints to Consumer Finance regarding the reporting that has caused me great damages. I consistently asked why was I denied as a data contributor and gave them a chance to fix this error before this complaint and they still refused to give me a reason for denial, which also doesnt give me the opportunity to correct any issue to ever qualify for the program. The discrimination allegations were after I did my due diligence to see that all consumers that qualified for the data contributor program were 99.99 % all XXXX consumers. Now the reputation statement of the denial made more sense but its clear it wasnt due to Equifax data breach that millions were apart of. I have paid for marketing, and re-construction of my website to implement the requirements that will be completed in 3 days. The program requirements are public and nowhere is it indicated that if you meet all criteria that the decision is based off the discretion of the company and you can not get the reason of the denial. Also, I want to know what can a person see on an application that can automatically deny them with no communication if all credentials are correct? The closest I received to a reason its Equifax said due to its reputation, I did not qualify. What would be the point of listing public requirements if the ultimate decision is based from the companys private decision? This is clearly a cover up to discriminate against consumers. How can a company be regulated by FCRA, CARES Act, FCRA, and ECOA and deny people of a program that goes against the laws and human rights? The treatment has been so bad that. Ive sent several emails and will not even get a reply. This is unacceptable, and as you can see on my previous Consumer complaint numbers Equifax refused to take fault in erroneous reporting and delete the account and now is trying to make me suffer because I exercised my rights. I qualified for the trade program and met all criteria as similar consumers with different nationalities and have been denied because of my skin color/race and exercising my rights. I am seeking the protection from 15 USC 1691 a ( 3 ), and the Civil Rights Act and This law requires both public and private businesses to provide individuals full and equal accommodations, advantages, facilities, privileges or services. I have kept all correspondence and proof of my statements because this treatment need to be publicly recognized by the consumers like me and the legal system that regulate these companies that are going against the law but are giving the right for decision making over consumers like me. Nowhere in FCRA, does it give Equifax the right to determine who can or can not be a data furnisher over a consumers data. Consumer requirements is to follow the laws implemented by the above agencies. I have attached other consumers that were approved, to show you that its clear this is discrimination and retaliation. If I am not eligible, I have the right to know why I wasnt eligible so therefore correction can be made. It should not be no special or different requirements for me than any other consumer. The solution is, I want is to be approved to be a data furnisher as the XXXX consumers. Attached is my proof of a few non-financial data furnishers consumers and the only difference from me and them is the XXXXXXXX XXXX XXXX XXXX and XXXX. This company was also approved by Equifax..Let me give you more insight. XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and has been incorporated since XX/XX/XXXX and is a t-shirt design and accessories company. Now how can an online T-shirt company be approved to be a data furnisher for businesses, and our company are strictly for business services and in a high-rise corporate building with security that has been in business longer? But Equifax is talking about reputation?
|
01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. The inquiry was not authorized XXXX XXXX XXXX ( I Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. The inquiry was not authorized XXXX XXXX IN Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. XXXX BANK Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
11. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
12. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
13. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
14. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
15. XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
16. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
17. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
18. XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
19. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
20. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
21. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXXXXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
07/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
As you can see in complaint XXXX Equifax wants to continue to yell at the consumers when we are very specific in what we are requesting. They repeatedly keep checking my consumer report and have not been given permission to do so, however Equifax didn't address the issues and a specific resolution was provided. This complaint is from the my denial for the DATA FURNISHER PROGRAM FOR no reason. AGAIN, For exercising my right per 15 USC 1691 a ( 3 ) and filing previous complaints to Consumer finance regarding an erroneous account on my consumer report that is XXXX years old ( dept of edu and XXXX which they still have not been deleted ) which this account has been removed and inserted on my account since XXXX, and we all know re-aging is illegal. As you can see in consumer complaint # XXXX Equifax refused to take fault in erroneous reporting and instead just deleted the inaccurate information and not the acct, even though I have several previous credit reports showing different reporting information regarding this same account since XXXX on a 36 months term account. This account has been deleted and reinserted back on my account several times, so I complained again, and informed them, that replacing blank data in place of the incorrect data is not considered accurate data, and re-aging is illegal. Not to mention that this account is reported as a charge off and a collection and we know per law, 1099 income and debt can not be continuing to be reported as a charge off AND a collection, neither one of the statuses were accurate, so I submitted another complaint. Instead the respondent was yelling and refused to remove the account as you can see the tone in the response in the complaint # XXXX. These complaints have caused me to be retaliated and discriminated against and denied participating in Equifax Data Contributor program. Since then, my personal credit score has decreased XXXX points as well and I havent been late on anything in 3 years, but its being reported as a receipt delinquent account. Since then, Equifax refused to respond to my application for the XXXX XXXX program and after not responding to 4 emails, I had to call in and complain and I then received an email response the following day of a denial with no explanation. I never received a call as advertised that a consumer will receive after applying for questions or for clarity. No investigation was performed, and no denial reason was given but indicated several statements of their reputation. What does reputation have to do with a denial? I also requested an appeal process and never received a response. This is clearly discriminatory and retaliation. The retaliation, discriminatory and bias treatment was from me filing previous complaints to Consumer Finance regarding the reporting that has caused me great damages. I consistently asked why was I denied as a data contributor and gave them a chance to fix this error before this complaint and they still refused to give me a reason for denial, which also doesnt give me the opportunity to correct any issue to ever qualify for the program. The discrimination allegations were after I did my due diligence to see that all consumers that qualified for the data contributor program were 99.99 % all XXXX consumers. Now the reputation statement of the denial made more sense but its clear it wasnt due to Equifax data breach that millions were apart of. I have paid for marketing, and re-construction of my website to implement the requirements that will be completed in 3 days. The program requirements are public and nowhere is it indicated that if you meet all criteria that the decision is based off the discretion of the company and you can not get the reason of the denial. Also, I want to know what can a person see on an application that can automatically deny them with no communication if all credentials are correct? The closest I received to a reason its Equifax said due to its reputation, I did not qualify. What would be the point of listing public requirements if the ultimate decision is based from the companys private decision? This is clearly a cover up to discriminate against consumers. How can a company be regulated by FCRA, CARES Act, FCRA, and ECOA and deny people of a program that goes against the laws and human rights? The treatment has been so bad that. Ive sent several emails and will not even get a reply. This is unacceptable, and as you can see on my previous Consumer complaint numbers Equifax refused to take fault in erroneous reporting and delete the account and now is trying to make me suffer because I exercised my rights. I qualified for the trade program and met all criteria as similar consumers with different nationalities and have been denied because of my skin color/race and exercising my rights. I am seeking the protection from 15 USC 1691 a ( 3 ), and the Civil Rights Act and This law requires both public and private businesses to provide individuals full and equal accommodations, advantages, facilities, privileges or services. I have kept all correspondence and proof of my statements because this treatment need to be publicly recognized by the consumers like me and the legal system that regulate these companies that are going against the law but are giving the right for decision making over consumers like me. Nowhere in FCRA, does it give Equifax the right to determine who can or can not be a data furnisher over a consumers data. Consumer requirements is to follow the laws implemented by the above agencies. I have attached other consumers that were approved, to show you that its clear this is discrimination and retaliation. If I am not eligible, I have the right to know why I wasnt eligible so therefore correction can be made. It should not be no special or different requirements for me than any other consumer. The solution is, I want is to be approved to be a data furnisher as the XXXX consumers. Attached is my proof of a few non-financial data furnishers consumers and the only difference from me and them is the XXXX of my skin and race. This company was also approved by XXXX.Let me give you more insight. XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and has been incorporated since XX/XX/XXXX and is a t-shirt design and accessories company. Now how can an online T-shirt company be approved to be a data furnisher for businesses, and our company are strictly for business services and in a high-rise corporate building with security that has been in business longer? But Equifax is talking about reputation?
|
09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report for the listed account XXXX XXXX Account # : XXXX.
Account # : XXXX XXXX XXXX Account Type - Detail : Educational Educational - Account Status : Closed Paid Paid Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Code XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( XXXX ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( XXXX ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
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12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/2021 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. Violation to my rights 15 U.S.C 1681 ( a ) ( 4 ) violation XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. 15 U.S. Code 1605 - Determination of finance charge XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
In addition, please remove all non-account holding inquires over XXXX days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
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01/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have 4 private student loans that show up through Iowa Student Loan on my Equifax credit report only. The other two credit reporting agencies ( XXXX and XXXX ) have removed these loans because they are no longer collectible, but Equifax will not remove them for some reason despite indisputable proof. These loans have been inactive for nearly 9 years, 7 of which show on the credit report, and the statute of limitations on such loans for collections in the State of North Carolina, where I reside is 3 years on installment loans and promissory notes. In every other state where the loans were taken out or where I resided, the statute of limitations was 5 years. I made requests to have them removed in XXXX of XXXX, but Equifax changed the status to disputed by member, but they are still listed as collection accounts. They are still being reported as collection accounts as well ( see below ). I also believe they ( Iowa XXXX XXXX XXXX ) have likely charged off these amounts, yet they still are trying to show me as the responsible party for the debts.
XXXX Hide Details XXXX XXXX/XXXX/XXXX {$4500.00} XXXX/XXXX/XXXX {$3100.00} CONTACT XXXX FOR STATUS ISL/PRIVATE XXXX XXXX XXXX XXXX XXXX XXXX, IA-XXXX ( XXXX ) XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$4100.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$4500.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$3100.00} Date of Last Payment : XXXX Actual Payment Amount : Scheduled Payment Amount : {$43.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : N/A Comments : Consumer disputes after resolution XXXX Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key ISL/PRIVATE Hide Details XXXX XXXX/XXXX/XXXX {$2500.00} XXXX/XXXX/XXXX {$1600.00} CONTACT XXXX FOR STATUS ISL/PRIVATE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$2300.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$2500.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$1600.00} Date of Last Payment : XXXX Actual Payment Amount : Scheduled Payment Amount : {$23.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : 99 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : N/A Comments : XXXX Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX NR CA CA CA CA CA CA CA CA CA CA CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key ISL/PRIVATE Hide Details XXXX XXXX/XXXX/XXXX {$3400.00} XXXX/XXXX/XXXX {$2400.00} CONTACT XXXX FOR STATUS ISL/PRIVATE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$2400.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$3400.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$2400.00} Date of Last Payment : XXXX Actual Payment Amount : Scheduled Payment Amount : {$33.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : 99 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : N/A Comments : 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX NR CA CA CA CA CA CA CA CA CA CA CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key ISL/PRIVATE Hide Details XXXX XXXX/XXXX/XXXX {$4300.00} XXXX/XXXX/XXXX {$3000.00} CONTACT XXXX FOR STATUS ISL/PRIVATE XXXX XXXX XXXX XXXX XXXX XXXX, IA-XXXX ( XXXX ) XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$2800.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$4300.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$3000.00} Date of Last Payment : XXXX Actual Payment Amount : Scheduled Payment Amount : {$41.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : 99 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : N/A Comments : Consumer disputes after resolution 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX NR CA CA CA CA CA CA CA CA CA CA CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key
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04/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I XXXX XXXX am a victim of identity theif. Ive reach out to Equifax, XXXX and XXXX in XXXX of last year and nothing has changed with my credit report. I just started college in XXXX but yet I see a ton of student loans that I did not apply for. I was denied school attendance 3 time because of fraudulent student loans. I strongly believe my information was compromise due to Equifax data breach. I have hired a local attorney to assist me in this matter and we plan to take legal action against XXXX, equifax and XXXX. If the items that has been stated do not get removed immediately. I opted out XXXX of last year in hopes that my information would not be shared. Equifax, XXXX and XXXX has violated the FCRA as if concern my identity theft request to remove all fraudulent accounts and inquiries concerning this unfortunate event that so many including myself have been through. I have a copy of the certified mail receipts as well as a copy of police report.on XX/XX/XXXX.
The fraudlent accounts and inquiries are as followed per bureau XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX loan ser XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$7000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$66000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$7000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$66000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XXXX XXXX XX/XX/XXXX {$3500.00XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$7000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$66000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$20000.00} AES/FCDB/PSL XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case My lawyer XXXX XXXX of XXXX XXXX XXXX will be placing these individuals as apart of our claims if fraudulent accounts and inquires by XX/XX/XXXX XXXX XXXX XXXX Customer Service Manager at XXXX XXXX NCAC Email : XXXX XXXX XXXX Operations Manager XXXX NCAC XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX XXXX XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX President US Commercial Services and Chief Client Officer Equifax XXXX XXXX XXXX XXXX President Equifax LLC XXXX XXXX XXXX Equifax LLC Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer Equifax Corp XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax llc XXXX XXXX XXXX XXXX EVP Compliance and XXXX XXXX XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX XXXX XXXX XXXX XXXX Director-XXXX Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
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07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX Account Number XXXX Tracking Number XXXX USPS to have the account XXXX XXXX removed from my credit report. XXXX removed this account from my credit and XXXX. These items where place back on my credit report by Equifax. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. Which is direct violation of my consumer rights.
According to the Fair Credit Reporting Act all consumer reporting agencies must report the same ACCURATE information. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However Equifax rep told me the account would stay on my report. On XXXX I spoke with XXXX a XXXX that Equifax made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy.
According to 15 USC 1681 Section 604A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.
According to Fair Credit Report Act 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( B ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Also15 USC 1681i ( B ) ( i ) ( ii ) ( iii ) ( I ) ( II ) ( III ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information as part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted. ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information According to the Fair Credit Reporting Act 15 USC 1681 I ( 2 ) ( A ) ( B ) ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 15 USC 1681 I ( 5 ) ( i ) ( ii ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. My Rights have been violated according to the Fair Credit Reporting Act. I have attached deletion letter from XXXX and I attached a copy of the Report Filed with CFPB # XXXX. Which shows this account is accurate and should be deleted. How can Equifax verify an account that the others have deleted. This account should be deleted immediately.
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07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am doing complain by myself and total responsible for this. I am requesting that you immediately delete information off of my credit report that isnt mine. I listed all accounts in Identity Theft. After investigation I found out that all of this account were opened not by me. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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10/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I wrote this to XXXX and it explains what happened with my student loans and credit score. They have ignored this and all of my phone calls to fix my credit score. There are pictures of my accounts attached to this but I am not sure if they will work or not. If you would like the original letter, I can provide that.
The password to the document is XXXX Hello, my name is XXXX XXXX. I was previously a student at the XXXX XXXX XXXX in Ohio. I started in XXXX with the hopes of getting a college degree so that I could join the professional workforce. I chose to get federal student loans from your company, XXXX, because it was the most financially responsible decision to make for myself.
Fast forward a few years and after being told over and over and over that you have 6 months after you graduate to start paying on your loans because sometimes it takes time to find a job after you graduate. This brings me to my current issue ; since I was being told this over and over and over, I thought I would not have to pay on my loans until 6 months after I graduated. I was still enrolled in the University because I had to complete my degree in XXXX. Due to the nature of my degree and the universitys scheduling, sometimes I was not able to attend full time. I was not going to spend more money for nonsense classes that did not pertain to my degree just to be full time. During this time, I was also working at XXXX XXXX full time and living on my own. I then got recruited by XXXX XXXX XXXX and moved to working for them full time, all while still attending school. During my last semester at the XXXX XXXX XXXX XXXX fall XXXX XXXX, I was getting contacted by XXXX that my student loans were due. I was confused because I still had not even graduated yet.
After being harassed for money even though I was still taking loans out to continue my education, I unfortunately was laid off from my job at XXXX XXXX XXXX in XXXX of XXXX. I was again contacted by someone from XXXX requesting that I pay towards my loans. I told them that I was still in school and was not able to pay at all currently because I had been unemployed. The employee then explained to me I could do some sort of income driven program and that it would be good for 6 months until after I graduated. I talked to a student advisor from the XXXX XXXX XXXX and they said that it is true, I have 6 months after I graduate from the XXXX XXXX XXXX to pay off my student loans. Again, this was weird because XXXX had on record that I was no longer attending the XXXX XXXX XXXX according to an employee of XXXX. Nonetheless, I submitted the forms necessary for the XXXX plan at XXXX in XXXX of XXXX.
I had not heard back from XXXX for a while, so I assumed all was fine with my standing on my loan repayment. I then graduated in XXXX of XXXX from the University XXXX XXXX with a XXXX XXXX XXXX XXXX XXXX in Information Systems Management. All was well for me because I started a new job in XXXX and was looking to start my professional career out in the world and be able to enjoy my life. Then XXXX day in XXXX I got an email saying, your loans are 120 days overdue which was weird because I had 6 months after I graduated to pay them. This meant I had to start paying in XXXX and I even logged into my account and created an auto-pay function so that I would not have to worry about signing in every month and doing it manually. After deciphering the email saying I was behind, I gladly paid the overdue loans off for all the subsequent months that I had missed.
This is when it takes a massive turn for me personally. I had no problem paying that massive amount off and I figured that there may have been some miscommunication somewhere throughout the 6 years I attended college. But then I get a statement about my personal credit info ; I had been hit with a XXXX days late on all my loans. Since they are all separate for some reason, it showed that I was that late on all accounts. This destroyed my credit. I went from in the mid XXXX down to below XXXX. That is extremely detrimental to someone who just started making a good living and is looking to buy a car, purchase a home, and contribute to the United States economy.
Now that the story has been told from my end I can get to the issue. I am writing this because that is what your website told me to do : As you can see, I believe this is some sort of error on my credit account. I called XXXX as soon as I found out about the destructive credit hit and the young man on the phone told me there is nothing I can do to help, just pay on your loans and your credit will go up. I believed him and it has been a few months of me paying on my loans on early every single month. Turns out that my credit has not moved and went down some. I have never had a single issue with paying any sort of loans, credit cards, or other payment options off and my profile shows that.
I am asking someone to do the right thing in this case. Regardless of the issues that happened in the beginning of my loan repayment process, please take a look at my account and you will see that I paid off that massive balance that said I was late and that I pay on my loans every single month. I called into XXXX and spoke to someone about this and was given no positive reassurance that something may be done. They told me they can not get rid of this mark for some reason, but XXXX is the one that told the credit report companies that I did not pay off in time. Due to this report on my credit, I am unable to apply for a mortgage on a home with a reasonable interest rate, apply for a loan on a car now that I have a steady and livable income, and I also can not just enjoy my life with this disgusting derogatory mark on my name.
I will provide documentation of most of what I am referring to previously. Also, I went through a name change during my first year of college and XXXX still has my old last name on file and will not let me change it. Old name : XXXX XXXX. New name : XXXX XXXX. Navient account number : XXXX. Home address : XXXX XXXX XXXX XXXX, Ohio XXXX. Cell number : XXXX XXXX XXXX or XXXX XXXX XXXX.
If any more information is needed in regard to this manner, please reach out to me via email or phone call. My emails are XXXX, XXXX, XXXX, or XXXX I can be reached at any of those. I understand that XXXX can not change my credit score, but you can provide a courtesy retraction to consumer reporting agencies :
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06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account.
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, CA XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely yours, XXXX XXXX
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05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is a not a duplicate complaint and I'm not using any third party for this matter. I have sent my dispute regarding these accounts bellow but Credit Bureau didn't even started to open investigation, I have had called the a numerous times, no result, I been told that they didn't open an investigation. I know my rights very well. The accounts that are being disputed, do not belong to me. These misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that this account was fraudulently opened, and they have known this for several months. Therefore, I have come to you to resolve these issues. According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address. And I'm excepting from you to remove this account immediately.
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09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is my second time submitting a claim about XXXX XXXX, in regards to my home mortgage. It appears to me that XXXX XXXX has deceptive practices that prey on consumers. They continue to give me false information and do not accept responsibility for it.
In XXXX of XXXX, I applied for Mortgage assistance through XXXX XXXX, the bank that holds my mortgage. At the time all I wanted was a 1-month deferment to provide some relief from my monthly expenses. That month I was not doing well with my business and had some unexpected expenses come up. At that time, when I applied for the Mortgage assistance, I was not behind on my mortgage and was still within the 30-day period. I was notified that I was approved for loan modification. The terms where my monthly payment would get lowered to {$660.00} and the first payment was not due until XX/XX/XXXX. Again, at this time I was still within the 30-day payment period and was not behind on my payments. To confirm the information, I received in the mail, I decided to call XXXX XXXX. This is all still in XXXX of XXXX. I spoke with 2 representatives from XXXX XXXX. I asked them specifically, according to the loan modification my first payment is not due until XXXX XXXX. Does that mean I don't have to make a payment until then? And if I don't have to make a payment will this go as a negative on my report? Both XXXX XXXX representatives stated that I do not have to make until XXXX and that the missed payments will not be a negative on your report. Based off the information I received from XXXX XXXX I decided not to make my XXXX and XXXX payment as I was told it would not be a negative mark on my credit report and the first payment of the Loan Modification program was XX/XX/XXXX. Once XX/XX/XXXX, came, I made my first payment for the loan modification program, on time. After that I received a credit report notification that I was 30 days late on my Mortgage payment. I immediately called XXXX XXXX to get this corrected as I was told it would not affect my credit. When I talked to the XXXX XXXX representative, she confirmed what the other 2 representatives said, that I should not have a negative late payment on my credit report. And was told they would submit a report to to the credit department to correct the error. I was told it would take 30 days to update. Later in XXXX I received a letter stating that the late payment would be suppress. XXXX and I made my payment within the 30-day period. My credit report updated to show that I am now 60 days past due. I once again called XXXX XXXX to complain. The XXXX XXXX representative told me once again that I should not show any late payments and that she would input another dispute to their credit department to update and correct the issue on my credit report. I was once again told that this would be corrected in 30 days. After that call I received a call from XXXX XXXX stating they had important information about my account, I missed the original call, but called them back. This is still in XXXX. When I call them back, I once again brought up the late payments that were showing up on my credit report. This time the XXXX XXXX Representative told me that this was not true, and the loan modification does offer any credit report protections. And that the previous representatives gave me false information. I asked her could they update my credit report because I received false information and based my decision on moving forward with the loan modification off the information XXXX XXXX representatives gave me. She said I could not. I proceeded to ask to speak to the Manager and was connected to her supervisor. I explained the situation to her, and she confirmed because they have recordings and notes from all my previous calls. The Supervisor for XXXX XXXX told me there was nothing she could do even though she admitted that I was given false information, they refuse to correct the information on my credit report. The only thing she said she would do is have the representatives I spoke with go through more training. That does not help me. I was following the instructions XXXX XXXX gave me and if I had of known that this would affect my credit report would have not accepted the modification and made my payments as normal. Again, XXXX XXXX also has notes and recordings of all the phone calls I made trying to do my due diligence on this option that is supposed to help consumer not hurt them.
Most recently, I made additional calls into XXXX XXXX. On those calls I was told that once I have successfully completed the Trial Loan Modification program that those payments would be applied to my account and the 60 and 90 day late payments that are reported on my credit report would be removed. That never happened, when I called back in they told me the information I was given was not true. Once again I was lied to and given false information. I spoke with a Manager, which I would like to highlight that she hung up on me. When I spoke with her and explained the situation all she said was you were given a letter with the terms and theirs nothing we can do. As I stated to her the terms do not highlight directly how this loan modification affects my credit. I call in because I need better understanding to make a decision whether or not to accept the trial program. How can I be penalized because you are given me false information? As stated in my previous paragraph, I was not more than 30 days behind on my mortgage before the trial program. And if I would have been correctly informed I would have not done the program. And in all honesty XXXX XXXX is the reason for the late payments showing up on my credit report because they gave me false information and lied to me. They talk about caring for the customer and consumer but they don't, they just say and do anything they want. They need to take responsibility for their actions and remove all late payment notices from all of my credit report. All the calls are recorded and you can hear me clearly asking questions and voicing my concerns. But they continue to give false information.
In addition, if you review my credit report their are inconsistences being reported. The following is being shown in regards to XXXX XXXX Mortgage.
XXXX XXXX - 60 days late XXXX - 90 days late Equifax XXXX - 30 days late - THIS WAS SUPPOSED TO BE REMOVED, BUT WAS NEVER REMOVED XXXX - 60 days late XXXX - Paid on time- XXXX 90 days late XXXX XXXX - 30 days late - THIS WAS SUPPOSED TO BE REMOVED, BUT WAS NEVER REMOVED XXXX - 60 days late
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09/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I discovered that I had been a victim of identity theft back in XX/XX/XXXX/XX/XX/XXXX and contacted each bureau including Equifax Specifically regarding a {$31000.00} loan that was open with XXXX XXXX ( Loan No. XXXX ) as listed on my report.
On or about XX/XX/XXXX I followed up the dispute with a phone call regarding the fraudulent XXXX XXXX account number XXXX and was advised that I needed to file a police report and provide a fraud affidavit and resubmit my dispute for the account to be blocked and deleted from my credit file.
On XX/XX/XXXX, after filing the police report ( filed on XX/XX/XXXX ) and FTC Fraud Identity Theft Affidavit I resubmitted my dispute to Equifax 's Office of Consumer Affairs for the identity theft report for the fraudulent XXXX XXXX Acct Number XXXX and they have still refused to block and delete this fraudulent account that was opened with out my permission ort consent.
In addition, Equifax had removed the fraudulent XXXX XXXX ( Acct No. XXXX ) account from my credit report after my XX/XX/XXXX dispute as shown in the updated Credit Report number XXXX dated XX/XX/XXXX. But on or about XX/XX/XXXXEquifax had reinserted the fraudulent account back to my credit and never notified me within five business from the reinsertion date pursuant to FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ) that the previous deleted account was being reinserted. Which this action is a clear violation of FCRA for Equifax 's failure to properly notify me of the account being reinserted to my credit file.
On top of that, Equifax due to some breach ( Equifax 's Office of Consumer Affairs explained that my credit file got too large ) or error removed almost 30 of my credit accounts from my credit file leaving only the fraudulent XXXX XXXX Account listing on my file. I followed up with the Office of Consumer Affairs and spoke with XXXX XXXX and she reviewed the matter and saw what had occurred with my account being erroneously deleted and removed and advised that she would have to have a technician correct my credit file and get the accounts from my XX/XX/XXXX credit report added back to my credit file. ( In about 1 week the technician called me back and advised the all my credit accounts had been added back to my credit file that had been deleted improperly ).
XXXX XXXX further advised that their office would retain the investigation for the fraudulent XXXX XXXXl XXXX account as she was not sure what documents were sent to the creditor on this account.
On or aboutXX/XX/XXXXand XX/XX/XXXX, Equifax 's Office of Consumer Affairs sent electronic and fax letters to each of my creditor credit accounts ( approximately 30 ) and advised that my initial account applications with them were fraudulent and that I was disputing the accounts as fraudulent or either the credit cards were lost or stolen.
I was notified by this action by Equifax 's Office of Consumer Affairs by XXXX as I was trying to make a payment on my XXXX XXXX Account and was notified that my card had been lost which I never had made any such report on any of my accounts excluding the fraudulent loan account with XXXX XXXX XXXX ( loan no. XXXX ) pursuant to my dispute letter dated XX/XX/XXXX
By Equifax 's actions each of my credit accounts ( 30 ) were either completely canceled by each creditor or placed on hold by there fraud and security dept. I called Equifax 's onXX/XX/XXXX Office of Consumer Affairs and I spoke with XXXX XXXX again and explained to her what I was advised by XXXX regarding the electronic and fax letter notifying each of my creditors that my application to open the account was fraudulent or I lost or had my card stolen. XXXX XXXX researched and advised that their office had indeed sent out the notification in error and did not understand why the technician sent that fraud notification to all my creditors rather than the one credit account that was being disputed XXXX XXXX XXXX. When in fact, XXXX XXXX advised that the XXXX XXXX Account Listing had not even been disputed all all my valid account had been. XXXX XXXX further advised that she would shut down the investigation from myXX/XX/XXXXdispute and recommended that I contact each one of my creditors and advised them that Equifax made a mistake in sending out the fraudulent notification but could not provide me any explanation as to why they took this action.
onXX/XX/XXXXAs she requested ( I did not understand why they would not correct their own mistake ) I contacted each one of my creditors in writing and by phone and providing them a copy of the actual dispute that I submitted to Equifax on XX/XX/XXXX that showed I only specifically disputed the fraudulent XXXX XXXX XXXX listing ( Account No. XXXX ). I further advised that I did apply for each of those accounts and would request that the accounts be reinstated and all my creditors reinstated my accounts and reissued my cards which would take 7 to 10 days or up to 30 days to receive the replacement cards.
On or aboutXX/XX/XXXX, I was speaking with the Fraud & Security Dept Rep trying to get my account reinstated and they advised that they needed something from Equifax stating that they made the error ( which made since to me since they made the mistake ). I immediately called Equifax 's Office of Consumer Affairs again requesting to speak with XXXX XXXX, the manager supervisor advised me that XXXX XXXX was not available and she could help me. So I explained the entire mixup as aforestated aboveand she reviewed the notes and advised me that it was nothing that she could provide and did n't understand why my accounts were deleted and could n't understand what I was asking them to do but refused to permit me to speak with XXXX XXXX or any other party and then told me she was ending the call and hung up on me. I was totally dumbfounded as to Equifax 's Office of Consumer Affairs supervisor acknowledging that they had screwed up but refused to assist me to correct their mistak as XXXX XXXX had requested that they fax a letter directly to all my creditors as they previously had done in error.
Over the last few months Equifax 's has turned my credit life into complete chaos and refused to correct their errors which I had to spend 3 weeks while trying to assist my father that had just had a XXXX on XX/XX/XXXX. in addition, Equifax has refused to block and remove a fraudulent account from my credit report that has caused me additional harm even after providing their office with the appropriate police report and fraud affidavit as they requested.
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05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX. The following personal information is incorrect PREVIOUS ADDRESS XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely, XXXX XXXX
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01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. XXXX XXXXcount Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXThis employer is not correct. Delete it immediately from my report.
XXXX XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
|
01/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection BureauXXXX : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
|
01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
7. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
8. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
9. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
10. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
11. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
13. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
15. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection BureauCC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
XXXX XXXX XXXX XXXX Ct XXXX, SC XXXX XXXX : XXXX SSN : XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I recently checked my consumer report and noticed accounts I didnt open on my own.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The Following accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My identity has been stolen you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law.
I demand all the above Fraudulent accounts DELETED immediately.
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC Attorney Generals Office in your state and Mine Thank you, XXXX XXXX
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01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I am requesting validation and verification of the alleged debt being collected by XXXX XXXX.
Request for validation of the debt : I am requesting a validation of the debt being collected by XXXX XXXX along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. TILA addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX has assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt is valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector or current creditor has the legal right to collect on the debt, including the signed terms between the creditor and collector ( XXXX XXXX ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector ( XXXX XXXX ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ), which protects consumers from being pursued for debts they do not owe or have already been paid. I request XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX fails to validate the debt, I dispute the debt, and request XXXX XXXX to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
Request for verification of the debt : I am also writing within this complaint, a direct request for information from XXXX XXXX regarding the original contract of the debt that I am being pursued for. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX fails to validate the debt, I dispute the debt and request XXXX XXXX to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
It is important for XXXX XXXX to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX must provide me with the information that is used to calculate my credit score.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of XXXX XXXX I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold XXXX XXXX accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting that the law requires and request the deletion of any information relating to this complaint that is invalid and unverified and being reported by XXXX XXXX. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
Sincerely, XXXX XXXX
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12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
This concerns Identity Theft in which I am the victim. There are several different accounts listed on my credit profile that I did not open or had anything to do with whatsoever. These accounts are a direct result of someone stealing my credit information and opening credit cards, personal loans. I have sent XXXX, as well as the other two credit bureaus, all the necessary documents and information that they have requested. The documents I sent was a Federal Trade Commission report, a Police report that was filled out by a senior Police Detective, other evidence that I sent along with these, going beyond what I was required to send. I have reached out to every company in question about this identity theft case. These companies keep saying that the accounts are legitimate, which of course would be their trained response. Obviously these companies know that the thief that stole my credit information will never pay these companies their money, so instead they go after the victim. I explained this to XXXX several different times but they keep going along with the companies in question. On one occasion of correspondence, I spoke with an XXXX supervisor concerning this case. Angrily I ask a question, which was, does XXXX have the consumer at their best interest, or is their loyalty with these credit card companies and loan companies. The supervisor told me that yes they pretty much side with the companies. I shouldnt have to suffer and pay for something that I did not do. Having a Federal Trade Commission report as well as a Police report should have satisfied these companies, but instead they blame me knowing that I didnt open these accounts. A lot of these accounts I have never even heard of before. Im very very upset. I think even beyond upset. I fought and was injured in the XXXX XXXX XXXX. I have severe XXXX, and this whole ordeal is making it much much worst. Every time I call and discuss this case, they say the same thing over and over, hoping that I just accept it and go on. Im not accepting anything that I had absolutely nothing to do with. Doing my own investigation, I found that whomever is responsible for this, bought a lot of items online. I called the companies and asked them where these items actually went to being delivered. I found out that the deliveries wasnt even delivered to my addressed. As a matter of fact, not even in my state. A XXXX Veteran shouldnt have to have their identity stolen and then be blamed for accounts that they did not open. Im very angry and I want all those accounts removed from my credit profile. Im already taking names from XXXX as well as the companies in question names, so that I can file criminal warrants against them for Identity theft. One of the names is XXXX XXXX, a supervisor at the consumer affairs division for XXXX. Others Im still gathering their information, but will have it very soon. I will be prosecuting every one of them. See, this a is serious situation. Now maybe these liars that work for XXXX and the companies in question, dont take it serious, but I do. This is my life and I will not walk away. I want these dirty underhanded liars to pay for the illegal activity that they have been taking part in for years. I even reached out to several other victims on a forum that was created by victims going thru the exact same issues. This is no coincidence. These crooks with certain job titles that work for XXXX, as well as the other XXXX credit bureaus, have been accepting money to side with the credit cards companies and loan companies as well. I really believe that this is going on. There are too many people who have been victimized, that can not receive justice. And this is with all the necessary documents and police reports, and faxes of requested information that is successfully given to these credit bureaus. They just take the word of these credit card companies without any evidence that supports their outcome. Its a shame that Im being treated this way, and I had nothing to do with it. I proudly put my life on the line in the XXXX XXXX XXXX. Was XXXX, not only XXXX but also XXXX I cant sleep most nights, because of the XXXX XXXX XXXX that have stayed with me every since I made it back home. I see a XXXX twice a month at the VA, as well an outside XXXX I have a very very hard problem turning off what I had to be and do in XXXX. I dont like getting angry, because I cant process and control that emotion like anybody else. Especially when Im not in fault. Im definitely gon na contact my attorney General for my state as well as my superiors inside the Military. And as I made clear, Im filing warrants against XXXX XXXX, a supervisor at the consumer affairs division of XXXX, as well as all parties involved that work for the companies in question concerning this Identity Theft case. Its really ridiculous that a person has to go thru all this because of several crooked individuals that illegally accept money from these credit card and loan companies. And a Veteran no doubt that fought in war to protect their freedom. Im contacting every available news networks and platforms online and offline to share this information with them and then in turn the whole world. Ill create XXXX videos on XXXX given all this information, including names and their job titles. Im gon na send XXXX letters to all companies involved. I guarantee you, they will know my name. I WANT THE COMPANIES IN QUESTION REMOVED FROM MY CREDIT PROFILE IMMEDIATELY. 1/ XXXX XXXX XXXX XXXX 2/ XXXX XXXX XXXX XXXX XXXXXXXX 3/ XXXX XXXX XXXX XXXX 4/ XXXX XXXXXXXX XXXX 5/ XXXX XXXX XXXX XXXX 6/ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Im not gon na just let it go, because this is my life. And I will fight for my life. Why dont they apprehend the lazy thieving criminal XXXX that stole my freaking credit information? They havent did anything remotely related to even looking for these criminals. This is why so many victims are suffering because these companies dont ever plan on looking for these thieves. They rather attack the victim because they know that these victims dont want their credit profile to stay destroyed. So see, these crooked companies not only demand, and in lots of cases, get the money from the victims, they also receive money from insurance coverage as well. If I have to create XXXX videos on XXXX about all this, I will. If I have to write XXXX letters to each one of these companies in question, I will. If I have to file criminal warrants against the names that I have, I will.
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01/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX I had a collections account opened up in my name for a previous student loan that I thought my parents had taken care of for my first semester of college at XXXX XXXX XXXX College in XXXX, MS. At the time upon receiving a letter of this matter going into collections my Dad ( XXXX XXXX ) stated he had called the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ) to work out a payment plan with them to pay off the item that is in collections which at the time the original amount was {$1200.00}. To my knowledge this debt was paid off, I had never looked at any of my credit reports simply because I had not needed to, I had never applied for any type of credit card etc, so I never even thought about anything being on my credit report. Around mid XX/XX/XXXX, I decided one day to check my credit report and happened to notice that I still had this item in collections, and not only that but a negative balance showing I owed {$1100.00}. I called my Dad ( XXXX XXXX ) to ask if he had paid it off and indeed he had been giving me lies stating he did, when in reality back in XX/XX/XXXX he had only called them to make a manual payment of {$50.00} hence why my original balance was only {$50.00} more. Of course at this point I was bothered by the situation and did everything in my power to speak with the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ) about the item that was on my report in collections. From the beggining of XX/XX/XXXX to the end of XX/XX/XXXX I tried to get in contact with the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ) each time I called, which was once possibly twice a week I would be told either a lie about how much I owed them ( wrong amount every time I called ) or was told that someone was looking into it for me and would get back with me. I specifically remember calling 3 times in XX/XX/XXXX and being told that someone would get back with me. Finally after being sick of it being on my report and tired of the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ), I called the original creditor on XX/XX/XXXX who was XXXX XXXX XXXX College and spoke with XXXX XXXX in the business department about what I could do to get the collection removed from my report. She then preceded to say that if I made the full payment to her office that she would email the Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ) and CC me showing that she would have them remove it from my report. I also before making payment made her send me an email stating that once a payment is recovered by her she will send the email to have it removed from my report on all reporting agencies. I have her on a recorded call stating this as well as the email from her both of which will be attached as documented proof below. That very same day after verbal and written agreement was made I went to XXXX XXXX and got a cashiers check to bring to the XXXX XXXX XXXX College Campus. ( Pictures of the check are also attached as documented proof ) XXXX XXXX whom I had been emailing and on the phone with was not in the office when I dropped the check off but had someone else in the business department place the payment of {$1100.00} on my account to pay off the remaining balance in full. ( In documents below I have also attached the original transcript showing money due as well as a paid in full transcript with the receipt of payment ) I then waited approx. 3 hours and called the business department back to speak with XXXX XXXX whom stated that my payment was received and that she was sending the email to the Collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ). ( That email is documented proof below ) stating that I had made a payment in full and that it needed to be marked paid and removed from my report. After calling the Collection Agency to confirm this they stated I still owed a balance of {$64.00} for a filling fee in which after that was paid there was a special note on my account to directly call the Credit Reporting Agencies and have it removed this was on XX/XX/XXXX, however as soon as I paid the remaining balance with XXXX XXXX I disputed the collection account on both my XXXX and Equifax credit report. XXXX within one week after sending in the same documents I am sending now marked it " Paid in Full '' because they could see the proof that the balance I had was paid off. However Equifax denied my request stating that it was verified correctly, AFTER XXXX had just verified it was paid which was very confusing. This dispute was on XX/XX/XXXX and was sent back to me in two days confirming that it was verified which makes no sense, because not only did XXXX just come with a different outcome they had already marked it " Paid in Full '' as you can see in the pictures below. Since early XX/XX/XXXX when the first dispute happened, I then figured it may be because of the remaining {$64.00} balance at the Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ) so I paid that in full as well with a money order on XX/XX/XXXX when I originally called them. ( Documented Below ) Since that date I have completed 4 disputes with Equifax that have ALL denied my request to be taken off my report or even as much as marked " Paid in Full '' and this is the collection agency and original creditor telling them to do so! All of my disputes have come back in 6 days or less denying my request saying that, the amount on my report is verified after sending in proof from both the collection agency that it is paid as well as the original creditor, and not only that BUT when I call Equifax to see what is going on they simply tell me that it is verified and I must call the collection agency which then tells me to call Equifax because they have already called them to have it removed. Now, I am stuck XXXX at least had it marked " Paid in Full '' which is not what they are supposed to do when the collection agency and emails are stating to remove it but that is better then nothing, Equifax on the other hand will not do proper due diligence and read the proof I send in nor listen to anything I am telling them in writing or over the phone. I do not know what to do at this point besides go to the correct regulatory agencies to get this matter taken care of. Below you can see documented proof to help my case as well as all paperwork and emails sent to me by the Collection Agency and Original Creditor. Thank you for your help.
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08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam , I hope this letter finds you well. I am writing to bring to your attention serious concerns I have regarding the inaccurate and unverified information that has been adversely affecting my credit profile. I kindly request your assistance in resolving these matters and enforcing the relevant laws to rectify the violations that have had a profound impact on my financial well-being and personal life.
1. Inaccurate Reporting of Late Payments : It has come to my attention that several creditors have reported inaccurate late payment information on my credit report, specifically : XXXXXXXX XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXXXXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. Unverified Debt : There are accounts on my credit report that I can not recognize and that have not been properly verified. These accounts include : XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
3. Unauthorized Inquiry : An unauthorized inquiry has appeared on my credit report on XX/XX/XXXX, without my knowledge or consent. This inquiry was made by XXXX XXXX, and I have no recollection of authorizing this credit pull.
XXXX. Inaccurate Personal Information : My credit report includes incorrect personal information, specifically incorrect addresses : XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
These violations have had a severe impact on my financial health and personal life. To provide you with a deeper understanding of the emotional toll this situation has taken, let me share my personal story : Due to the inaccurate reporting of late payments, my credit score has plummeted. This has hindered my ability to secure reasonable interest rates on loans, causing me to pay substantially more for essentials such as my mortgage and auto loan. As a result, I have been forced to work longer hours and even sacrifice time with my family in order to make ends meet. The stress and XXXX caused by this financial burden have strained my relationships and taken a toll on my overall well-being.
Furthermore, the inclusion of unverified accounts on my credit report has left me feeling helpless and uncertain about the accuracy of the information being used to judge my financial responsibility. This situation has made me question my own financial literacy and has left me feeling unfairly treated by the credit reporting system.
In light of these violations, I am earnestly requesting that the Consumer Financial Protection Bureau take action to enforce the relevant laws and regulations. Specifically, I ask that the following measures be taken : Thorough investigation and validation of the accounts mentioned above.
Correction of inaccurate reporting of late payments.
Removal of unverified accounts from my credit report.
Removal of unauthorized inquiry by XXXX XXXX.
Rectification of incorrect personal information, including addresses.
I appreciate your attention to this matter and your dedication to ensuring fair and accurate credit reporting practices. I kindly request a timely response detailing the actions taken to address these violations. Please provide me with written confirmation of the steps that will be taken to rectify these issues within the timeframe allowed by law.
Thank you for your time and consideration. I believe that with your help, we can restore the accuracy of my credit report and alleviate the burdens I have been enduring due to these violations.
Sincerely, XXXX XXXX
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03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and damaging my credit score, in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that are incorrect, and I kindly request that you remove them from my credit report as soon as possible.
Under the FCRA, it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. The following are the inaccurate negative items on my credit report that I am disputing : XXXX IXXXX - Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXX XXXX XXXX - Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay, in accordance with the FCRA.
XXXX XXXX - Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay, as required by the FCRA.
The following personal information is incorrect : Account Number : XXXX, XXXXXXXX XXXX This name belongs to someone else. Please remove it from my credit report immediately, as required by the FCRA.
The following personal information is incorrect : Account Number : XXXX, XXXX, XXXX- This name belongs to someone else. Please remove it from my credit report immediately, in accordance with the FCRA.
The following personal information is incorrect : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX - This address belongs to someone else. Please remove it from my credit report immediately, as required by the FCRA.
The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, OR XXXX - This address belongs to someone else. Please remove it from my credit report immediately, in accordance with the FCRA.
The following personal information is incorrect : Account Number : XXXX - This name belongs to someone else. Please remove it from my credit report immediately, as required by the FCRA.
The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Please remove it from my credit report immediately, in accordance with the FCRA.
XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA.
XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA.
XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA.
XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXX XXXX XXXX XXXX - Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP, as required by the FCRA.
XXXX XXXX - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely, as required by the FCRA.
XXXX - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely, in accordance with the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXX XXXX XXXX - Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP, as required by the FCRA.
XXXX - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely, in accordance with the FCRA.
XXXX XXXX - Account Number : XXXX I can not recognize this business, and I kindly request that you investigate to make sure this account belongs to me. Please delete this account from my credit report, as required by the FCRA.
I have attached a copy of my credit report, highlighting the incorrect information. Please investigate these inaccuracies as soon as possible and update my credit report accordingly. As mandated by the FCRA, I expect to receive a written response from you within 30 days of receipt of this letter.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX furnished information of an auto loan to all 3 CRAs that contained systemic errors, In many instances, the errors should have been readily apparent because the data for the account was internally inconsistent. Moreover, Respondent received error reports from all 3 Credit reporting agency 's that described these errors in the companys data files. In addition, XXXX XXXX XXXX internal audits show that it was aware of these errors as of XXXX. Despite being on notice of these errors, XXXX XXXX XXXX continued to make them for years including XXXX - XX/XX/XXXX.
Several of XXXX XXXX XXXX errors related to its use of the Date of First Delinquency ( DOFD ) field in its furnishing data. I contacted all 3 credit reporting agency as well as XXXX XXXX XXXX and explained Section 605 ( a ) ( 5 ) of the FCRA requires that negative information such as late payments must be removed from a consumers credit report after that information is seven years old. 15 U.S.C. 1681 ( a ) ( 5 ). The date by which such information must be removed is determined by the date on which the account first became delinquentthe date of first delinquency. This provision allows me the consumer to rebuild their credit following a long period of delinquency.
I explained to XXXX XXXX XXXX through mailed letters and phone calls that they are Reporting Incorrect Date of First Delinquency in all XXXX of my credit profiles between XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX furnished a DOFD during this time period, the DOFD furnished by XXXX XXXX XXXX equaled the Date of Account Information ( DOAI ) for the account. The DOAI is the date on which Respondent pulled information from its system of record each month in order to send to CRAs.
When furnishing in the Metro 2 format, furnishers like XXXX XXXX XXXX must provide the DOAI so that date is updated each month until the company stops reporting on a tradeline. Even if the DOFD did equal the DOAI at one point for a particular account, it is extremely unlikely that the DOFD would equal the DOAI for two or more months.
A CRA informed XXXX XXXX XXXX that it was reporting DOFDs that were more recent than previously reported DOFDs on derogatory accounts -- an error that could result from using the DOAI in the DOFD field. XXXX XXXX XXXX received these reports from XX/XX/XXXX through XX/XX/XXXX and again in XX/XX/XXXX and early XXXX.
when XXXX XXXX XXXX reported a DOFD that equaled the DOAI, the company also reported an account status showing a serious delinquency ( e.g., account was charged-off or at least 90 days delinquent, or the vehicle was already repossessed ). The DOAI is typically close in time to the date of furnishing because account information is ordinarily pulled for furnishing purposes shortly before it is transmitted to CRAs. By contrast, it would be extremely unusual to have a DOFD close to the date of furnishing on a seriously delinquent account.
XXXX XXXX XXXX also furnished inconsistent information regarding whether the account in question were open or closed and whether it was carrying a balance or obligated to make future payments. To the extent that the company inaccurately reported whether the account were open or closed or that i owed money that they did not actually owe, these errors have negatively impacted my credit scores and access to credit.
between XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX furnished information indicating that accounts were paid in full, charged off, along with contradictory information suggesting the tradelines were still open. The company received error reports from a CRA highlighting this inconsistency from XX/XX/XXXX through XX/XX/XXXX.
XXXX XXXX XXXX also reported that the auto loan had a current balance and simultaneously furnished contradictory information, such as also furnishing information indicating that the accounts were paid in full. The company had received error reports from a CRA since XX/XX/XXXX to XX/XX/XXXX advising of this error.
Prior to XX/XX/XXXX, Respondent did not consistently, for all its retail installment contract and lease portfolios, clearly and conspicuously specify to me an address where i could notify the company that information the company furnished was inaccurate.
Section 623 ( a ) ( 1 ) ( A ) of FCRA prohibits a furnisher from furnishing any information relating to a consumer to any CRA if it knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).
XXXX XXXX XXXX furnished my credit information to CRAs that contained inaccurate information about my credit accounts.
In many instances, XXXX XXXX XXXX knew or had reasonable cause to believe that the information was inaccurate because this information was internally inconsistent. In many other instances, the company furnished a DOFD that equaled the DOAI, which was extremely unlikely to be accurate for tradelines furnished over multiple months for multiple accounts. Moreover, the company continued to furnish this inaccurate information even after it had been notified about these types of errors by CRAs.
XXXX XXXX XXXX violated 623 ( a ) ( 1 ) ( A ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).
Section 623 ( a ) ( 2 ) of FCRA requires furnishers to promptly update and correct information they have furnished to a CRA that they determine is not complete or accurate. 15 U.S.C. 1681s-2 ( a ) ( 2 ).
As detailed above, in numerous instances from at least XX/XX/XXXX to at least XX/XX/XXXX, XXXX XXXX XXXX furnished to CRAs information relating to consumers that was not complete or accurate.
XXXX XXXX XXXX furnished information that was inconsistent with its internal account information and inaccurate. In many other instances, Respondent furnished a DOFD that equaled the DOAI, which was extremely unlikely to be accurate for tradelines furnished over multiple months for multiple accounts.
XXXX XXXX XXXX received multiple error reports from at least one CRA that allowed it to determine that the information it furnished was not complete or accurate, and Respondents internal audits showed at least one of the errors listed above.
Despite this knowledge, XXXX did not promptly update or correct the incomplete or inaccurate information it furnished. To the contrary, in many 11 cases XXXX continued reporting inconsistent information for years after being alerted to its errors.
Therefore, XXXX violated section 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ).
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10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Im victim of identity theft are contacting your credit bureau ( EQUIFAX ) to inform you of my lawsuit against your credit bureau. Currently, the Pretrial Conference is scheduled for XXXX XXXX XXXX, 2017 at XXXX. The lawsuit was filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. Im also suing Equifax for being negligent regarding my credit files being affected by the cybersecurity incident, and breach with ( EQUIFAX ). This credit bureau had a enormous security failure, and it has affected millions of consumers worldwide. I am one of those consumers that have been affected, and Im seeking justice regarding fraudulent accounts that are being reported on my credit files at this time. My social security number, drivers license, birthdate, and personal information was COMPROMISED/AFFECTED by the cybersecurity incident. I have filled out my information online under the website : XXXX and it clearly shows that my ( PERSONAL INFORMATON WAS AFFECTED BY THE BREACH ). The consumers as myself that have been affected should not have to deal with having fraudulent accounts reporting on their credit files. Due to this incident all consumers that where affected should have their credit files, and personal information updated/restored. If fraudulent accounts where opened in their name, and their information was compromised it is your credit bureau department to have those accounts REMOVED/DELETED off of the consumers credit files. I should not have to suffer, or battle with fraud accounts that where opened in my name due to the negligence of your credit bureau. This breach has caused me so much grief, has put me in a financial bind, have made me have to go through the emotional/financial stress of dealing with creditors that are trying to validate ( FRAUDULENT ACCOUNTS ), because my ssn was compromised. I have contacted the false creditors listed on my credit file with the companies who have reported fraudulent accounts on my credit file by the name of : ( XXXX PERSONAL LOANS & XXXX XXXX XXXX. I have challenged all of the false listings on my credit file. Over 90 days ago I wrote this creditor, and your credit bureau as well in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted by phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters, several police reports stating that this is a fraudulent account, and dates prepared to bring to court on XXXXXXXX XXXX,2017. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " VERIFIED '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone has stolen my identity and used my information without my authorization. Now I am suing your credit bureau EQUIFAX for reporting falsified debt on my credit files without proper verification that this fraudulent account belongs to me. I have provided more than sufficient evidence to have these fraudulent accounts REMOVED/BLOCKED off of my credit files. I also had 3 other fraudulent accounts that where opened last year around the same time this fraudulent account was opened. I have the letters from those creditors whereas they DEEMED all 3 accounts ( FRAUDULENT ACCOUNTS ) in which they REMOVED/BLOCKED those accounts from reporting on my credit files. Im attaching my latest police report to show that these are fraudulent accounts giving more proof of my fraud claim at this current time. Your fraud department also have prior police reports that show that these accounts are fraudulent accounts as well. I have also filed a identity theft report with the XXXX FEDERAL TRADE COMMISSION ) with the government regarding these fraudulent accounts on my credit files with your credit bureau ( EQUIFAX XXXX. Im attaching that document as well which shows even more proof of these fraudulent accounts, and your credit bureau reporting false information still. You may contact me before XXXX XXXX XXXX,2017 ) via mail before the court date to begin the lawsuit process to rectify this situation at hand. This matter can be settled simply by your agreement to remove the false information from my credit file PERMANENTLY. I require a response in a timely manner regarding your credit bureau deleting this falsified information off of my credit file. If I get another pointless letter from you saying that it has already been " VERIFIED '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. I have already won a similar lawsuit against XXXX Credit Bureau. I will agree to a similar settlement with XXXX, if you contact me before XXXX XXXX XXXX, 2017 ). If you accept the same terms as XXXX did, then I will dismiss my lawsuit against Equifax and you will NOT need to appear in XXXX XXXX XXXX, GEORGIA ).
The items to be removed from my credit report are listed as states : XXXX XXXX PERSONAL LOANS & XXXX XXXX XXXX Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner.
ATTENTION : Your fraud department have ( 2 ) police reports on file that clearly state that both of these accounts are fraudulent accounts in which, I shouldnt be held liable for. Your department have more than enough proof, and documents to DELETE/REMOVE this account off of my credit files immediately!
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05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Collections XXXX XXXX XXXX {$1900.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1900.00} High Balance {$1900.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1200.00} High Balance {$1200.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1800.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1800.00} High Balance {$1800.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1900.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1900.00} High Balance {$1900.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$680.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$680.00} High Balance {$680.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1400.00} High Balance {$1400.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$950.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$950.00} High Balance {$950.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1100.00} High Balance {$1100.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$490.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$490.00} High Balance {$490.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$520.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$520.00} High Balance {$520.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$450.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$450.00} High Balance {$450.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$490.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$490.00} High Balance {$490.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$560.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$560.00} High Balance {$560.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$490.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$490.00} High Balance {$490.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$690.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$690.00} High Balance {$690.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$180.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$180.00} High Balance {$180.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX, XXXX {$860.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX. XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX TX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$860.00} High Balance {$810.00} Remarks Consumer disputes this account information Creditor Contact Details XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$450.00} Account Details Last Reported XX/XX/XXXX Collection Agency XX/XX/XXXXOriginal Creditor XX/XX/XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$450.00} High Balance {$450.00} Remarks Medical Creditor Contact Details XX/XX/XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX all hippa and ftc violations
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02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX CFPB complaints along with an FTC Identity theft report were submitted to all 3 major CRA 's. However, your company have refused to block the information as defined in FCRA 605B and Title 15 USC 1681c-2. You have no authority under any Federal or State law to report anything on my consumer file without my written or oral consent. Please provide me a copy of my oral or verbal consent or you will be held criminally liable for all violations pursuant to 15 USC 1681m. 1. ) The request to block the information requested was NOT done in error since I went through the trouble of creating an identity theft report. 2. ) My request was not a material misrepresentation. 3. ) If you believe I obtained goods and services, you must prove that I did. 4. ) a consumer reporting agency MAY NOT RESCIND a block based on information that was already on my consumer report prior to the blocking of such information. That is NOT evidence of whether the consumer knew or should have known that the consumer obtained any goods, services or money as a result of the block. If you rescinded a block, please PROVIDE ME with this new evidence you obtained that you did not already have. If a company verified the debt, please provide me with the new evidence they obtained. All I received was copies of a consumer contract and/or financial statements. If I received goods and services, please have a senior executive certified under the Penalty of Perjury that I have in fact received goods and services as a result of this transaction. However, I know you can not prove this because its not your business and you were not a witness to the transaction. If you allowed a company to willingly display information without verifying or interviewing me to verify its authenticity, then that's FRAUD because you'll allow ANYONE and ANYTHING to be furnished without my consent. A COPY OF A CONSUMER CREDIT CONTRACT is NOT sufficient to validate a debt- -Reference Case Law : Pacific Concrete F.C.U v. Kauanoe, 62 HAW. 334, 614 P.2d 936 ( 1980 ) -Actual damages are not capped at {$1000.00} ( Smith V Law offices of Mitchel N.Kay , D.Del. 1991 12 RB.R.182. ) -I do NOT have to show actual proof of actual damages- Crawford V credit collection services D.D.D 1995, 898 F.Supp.699 Under the FCRA ( Fair Credit Reporting Act ) you are NOT being fair! Your investigations are biased and unfair, especially when only asking one side of the story in your investigation. It seems like anyone can open an account in my name and you will report it without asking me if the transaction actually happened. That is very UNFAIR. You are giving more power to an organization over the actual consumer/creditor/natural person. Title 15 USC 1681 ( a ) the first statement states " ACCURACY and FAIRNESS '' of credit reporting. Accuracy is about equity! It has to be equitable to the consumer which is I the natural person. Must be fair on both sides. What's fairness? Fairness is conducting a thorough investigation and gathering evidence from both sides. However, when someone applies for a credit extension under my name, and the financial institution reports it to you, with you verifying the information with me and asking for my consent, is that Fair?? The banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. Inaccuracy IMPAIRS the efficiency of the banking system, and your unfair and deceitful credit reporting methods undermines my public confidence in an ELABORATE MECHANISM who ONLY assumed this vital role in assembling and evaluating information on consumers. However just because you assumed this role, DOES NOT mean you have the authority to do so. Your authority comes from the consumer/natural person and no one else. I am effective immediately revoking your authority to furnish and report I DO NOT consent to. Under the FCRA Title 15, congress has made it very clear to me that YOU ARE NOBODY! You have made yourself bigger than what you are by deceitful tactics, and you don't have the power or authority to do what you are doing. You keep sharing my address, which puts my life at risk. You have shown displays that you have failed to exercise your grave responsibilities with fairness, impartiality, and respect for the consumers RIGHT TO PRIVACY! THE RIGHT TO PRIVACY IS NOT AN OPTION!!!!! title 15 usc 1681 defines the word consumer as the natural person. Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXXXXXX XXXX XXXX & autograph as the agent , attorney in fact, so be it : I am writing to inform you of a Equifax Data Breach & compromise of my private , vital personal Information. Pursuant to 15 USC 1681 ( a ) ( 4 ) your company failed to ensure the Information reported was accurate & failed to exercise their grave responsibility with fairness & Impartiality. Why was I never contacted to discuss these matters? Why wasn't I made a part of the original investigation? Sounds like you gave dead-entity corporations & rights never granted. This is Identity theft and fraud. A consumer report is ANY written, oral or other communication of ANY information. Since a consumer report can be written, I am speaking for myself on my own behalf, I am assuming this vital role as a creditor and Im telling you this information is fraudulent and inaccurate. You claimed to investigate with the companies referenced in my FTC identity theft reports, but how did you investigate something with a NON-LIVING person? Even if you spoke to an agent, how do they have first-hand knowledge of the information being furnished?? Do you have a financial interest in furnishing all information regardless of it being valid or invalid?? I know you do because Title 15 USC 1681a ( d ) ( 3 ) ( f ) clearly states that the term " Consumer Reporting Agency '' means ANY person which, for MONETARY FEES, DUES, engages in whole or part of the practice of assembling or evaluating consumer credit information on a consumer. So, Third party companies sell you information, and you turn around and sell that information to other third parties. Due to your behavior, I have XXXX damages, extending to Stress, XXXX, marital problems with my wife, XXXX, weight gain, loss of time with family, hospitalization and much more.
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06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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THIS IS A NEW COMPLAINT NOT A DUPLICATE.
I previously sent communication regarding the complaint number below which was also close.
I spoke with the representative approximately 1 to2 weeks ago regarding this complaint. One of the XXXX 's contacted us regarding the issues. It appears the confusion was that both my XXXX ; XXXX and spouse 's were uploaded together, We also told the representative we would upload the 1098 's to prove the fraud.
So, now we see the pattern of someone wanting our complaints closed. All XXXX 's and 1098 's for myself and my spouse will be uploaded separately to prove there was and still is fraud!
XXXX was the previous complaint which was sent by the White House Complaint Site, We received 2 from the CFPB stating they did not know why the complaint was sent to the CFPB. Given the contact. We provided a detailed overview of why we thought it was sent to the numerous fraud reports involving multi [ le groups of individuals such as attorneys and judges who were engaged in illegal activities which fall under the RICO statue. In addition, to my wife 's previous bankruptcy which, striped us of everything we though we own, We never received loans for out real property and my wife 's commercial property which the sba funded for bother her ex business partner who appeared to have stolen the money and placed the money into hidden accounts unknownst to my wife It was very obvious the second caller from the CFPB was calling us is order to state we withdrew the complaint but, WE DID NOT! We are being slandered and accused of being untruthful regarding all of the reports we file to the federal authorities, How can you lie about reported illegal activity when you hold the ORIGINAL EVIDENCE! WE NEED LEGAL ASSISTANCE and NO ATTORNEY IN XXXX will take our case because they are corrupt, the last retained attorney stole XXXX from us and did nothing. It appears someone within this loop wanted this complaint shut down, The brc XXXX within the US BRC OF NORTHERN GA AS WELL, THIS COMPLAINT WAS PLACED BY SOMEONE UNDER A PAYDAY LOAN ISSUE WHEN IN FACT IT'S NOT. THIS IS A RICO CASE INVOLVING HUNDREDS IN INDIVIDUALS WHICH NEED TO BE INVESTIGATED ASAP BY THE XXXX ATTORNEY GENERAL XXXX, IF WE NEED TO FLY TO DC TO MEET WITH PARTICULAR FEDERAL AUTHORITIES WE WILL. WE ARE VERY KNOWLEDGEABLE OF EACH DIVISION AND KNOW WHO THE KEY CONTACTS ARE. PERSONALS PERTAINING TO BE FEDERAL AGENTS HAVE ACTUALLY CONTACTED US JUST TO OBTAIN INFORMATION, WE WERE VERY AWARE THEY WERE IMPERSONATORS, I previously sent communication regarding the complaint number below which was also close.
So, now we see the pattern of someone wanting our complaints closed. All XXXX 's and XXXX 's for myself and my spouse will be uploaded separately to prove there was and still is fraud!
WE ARE IN POSSESSION OF THE ORIGINALS 1098 'S WHICH WERE MAILED AND ATTACHED TO COMPANY WHO STATED WE HAD A MORTGAGE WITH WHICH WAS A LIE, WE NEVER SIGNED ANY ORIGINAL MORTGAGE FORMS FOR ANY OF THE PROPERTY AS WE CONTINUOUSLY STATE OUR NAMES WERE CUT AND PASTED, IN ADDITION, THE CLOSING ATTORNEY 'S WERE ON PROBATION AND OR SUSPENDED FROM THE XXXX XXXX AND COULD NOT ENGAGE IN FIDUCIARY DUTIES THE GA XXXX REDESIGN THEIR WEBSITE IN ORDER FOR THE PUBLIC TO NOT SEE ANY ATTORNEY 'S STATUS, THEY ARE COVERING UNETHICAL BEHAVIORS UP, THIS IS PUNISHABLE BY LAW, THE PUBLIC NEEDS TO KNOW WHAT IS GOING ON WITH THESE ATTORNEY 'S ALL OF THEM, IF I CAN RECALL WE HAVE PREVIOUSLY UPLOADED THE 1098 '' S WITHIN THE CFPB SYSTEM, PAY ATTENTION TO ALL DETAILs AND REMARKS ON EACH BUREAU IN ADDITION TO OPEN DATE, THESE ARE NOT TRANSFERRED FROM THE FIRST LOAN, NOT POSSIBLE WHEN YOU NEVER RECEIVED ONE FOR AMY OF THE PROPERTIES, COMPLETE RESTORATION, ALL PROPERTIES BUT PERSONAL AND COMMERCIAL RETURNED, WE SUBMITTED THE 1098 'S FROM XXXX XXXX, TO THE SO CALL ATTORNEY WHO WAS PAID XXXX AS A RETAINER AND HAS SOME ABSOLUTELY NOTHING BUT, COVER FOR HIS COLLEAGUES WHO ARE INVOLVED. HE HAD THE AUDACITY TO SEE XXXX XXXX A COPY OF THE FRAUDULENT 1098 'S AND UTILIZED THE INFORMATION TO CREATE A FRAUDULENT SPREADSHEET. IT WAS SO FRAUDULENT THEY HAD TO MAKE EVERY CENT FIT. WE HAVE NEVVVVVVVVVVVER HAD A MORTGAGE WITH XXXX XXXX, WHEN WE CONFRONTED THE ATTORNEY HE DID NOT EVEN DENY IT! YEP, HE INCRIMINATED HIMSELF! WOW HE ATTEMPTED TO MAKE US THINK WE WERE THE REASON FOR OUR FRAUD. I WAS BASICALLY HIS PARALEGAL AND ASSISTANT, HOW UNETHICAL. HE WAS TOLD BY A CERTAIN INDIVIDUAL TO ENSURE OUR CASE VANISH! NOPE!
HE TOOK MY HUSBAND 'S XXXX RETAINER AND HAS DONE NOTHING! RETAINING IT GOING ON XXXX YEARS! HIGH UNETHICAL!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Phone : XXXX XXXX XXXX XXXX XXXX.
IF I CAN RECALL WE HAVE PREVIOUSLY UPLOADED THE 1098 '' S WITHIN THE CFPB SYSTEM, PAY ATTENTION TO ALL DETAIL AND REMARKS ON EACH BUREAU IN ADDITION TO OPEN DATE, THESE ARE NOT TRANSFERRED FROM THE FIRST LOAN, NOT POSSIBLE WHEN YOU NEVER RECEIVED ONE FOR AMY OF THE PROPERTIES, COMPLETE RESTORATION, ALL PROPERTIES BUT PERSONAL AND COMMERCIAL RETURNED, ALL PUNITIVE AND COMPENSATORY DAMAGES 7 TO 10 TIMES AWARDED WITH COMPOUNDING INTEREST, CLEAR TITLES TO ALL OF OUR PROPERTIES STOLEN, ALL INVOLVED CHARGED, INVESTIGATED , TRAIL AND INDICTMENTS, ALL STOLEN MONEY PAID OUT BY US RELATED AS THE RESULT OF THE ACTIONS OF THESE CROOKS REIMBURSED AT 100 PERCENT PLUS INTEREST, WE SUBMITTED THE 1098 'S FROM XXXX XXXX, TO THE SO CALL ATTORNEY WHO WAS PAID XXXX AS A RETAINER AND HAS SOME ABSOLUTELY NOTHING BUT, COVER FOR HIS COLLEAGUES WHO ARE INVOLVED. HE HAD THE AUDACITY TO SEE XXXX XXXX A COPY OF THE FRAUDULENT 1098 'S AND UTILIZED THE INFORMATION TO CREATE A FRAUDULENT SPREADSHEET. IT WAS SO FRAUDULENT THEY HAD TO MAKE EVERY CENT FIT. WE HAVE NEVVVVVVVVVVVER HAD A MORTGAGE WITH XXXX XXXX, WHEN WE CONFRONTED THE ATTORNEY HE DID NOT EVEN DENY IT! YEP, HE INCRIMINATED HIMSELF! WOW HE ATTEMPTED TO MAKE US THINK WE WERE THE REASON FOR OUR FRAUD. MY WIFE HAS BASICALLY BEEN HIS PARALEGAL AND ASSISTANT, HOW UNETHICAL. HE WAS TOLD BY A CERTAIN INDIVIDUAL TO ENSURE OUR CASE VANISH! NOPE!
HE TOOK THE XXXX K RETAINER TO REPRESENT MY HUBAND ONLY AND HAS DONE NOTHING, BUT LIE AND STEAL XXXXHE 'S EVEN THREATENED MYSELF AND MY HUBAND STATING WE WOULD BE BANDED FROM BOTH FEDERAL AND LOCAL COURTS IF WE DON'T STOP REPORTING.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Phone : XXXX XXXX XXXX XXXX XXXX.
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10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Im victim of identity theft are contacting your credit bureau ( EQUIFAX ) to inform you of my lawsuit against your credit bureau. Currently, the XXXX XXXX is scheduled for XXXX XXXX XXXX, XXXX at XXXX. The lawsuit was filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. Im also suing Equifax for being negligent regarding my credit files being affected by the cybersecurity incident, and breach with ( EQUIFAX ). This credit bureau had a enormous security failure, and it has affected millions of consumers worldwide. I am XXXX of those consumers that have been affected, and Im seeking justice regarding fraudulent accounts that are being reported on my credit files at this time. My social security number, drivers license, birthdate, and personal information was COMPROMISED/AFFECTED by the cybersecurity incident. I have filled out my information online under the website : XXXX and it clearly shows that my ( PERSONAL INFORMATON WAS AFFECTED BY THE BREACH ). The consumers as myself that have been affected should not have to deal with having fraudulent accounts reporting on their credit files. Due to this incident all consumers that where affected should have their credit files, and personal information updated/restored. If fraudulent accounts where opened in their name, and their information was compromised it is your credit bureau department to have those accounts REMOVED/DELETED off of the consumers credit files. I should not have to suffer, or battle with fraud accounts that where opened in my name due to the negligence of your credit bureau. This breach has caused me so much grief, has put me in a financial bind, have made me have to go through the emotional/financial stress of dealing with creditors that are trying to validate XXXX XXXX XXXX XXXX, because my ssn was compromised. I have contacted the false creditors listed on my credit file with the companies who have reported fraudulent accounts on my credit file by the name of : XXXX XXXX PERSONAL LOANS & XXXX XXXX XXXX. I have challenged all of the false listings on my credit file. Over 90 days ago I wrote this creditor, and your credit bureau as well in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted by phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters, several police reports stating that this is a fraudulent account, and dates prepared to bring to court on XXXX XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " VERIFIED '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone has stolen my identity and used my information without my authorization. Now I am suing your credit bureau EQUIFAX for reporting falsified debt on my credit files without proper verification that this fraudulent account belongs to me. I have provided more than sufficient evidence to have these fraudulent accounts REMOVED/BLOCKED off of my credit files. I also had XXXX other fraudulent accounts that where opened last year around the same time this fraudulent account was opened. I have the letters from those creditors whereas they DEEMED all XXXX accounts ( FRAUDULENT ACCOUNTS ) in which they REMOVED/BLOCKED those accounts from reporting on my credit files. Im attaching my latest police report to show that these are fraudulent accounts giving more proof of my fraud claim at this current time. Your fraud department also have prior police reports that show that these accounts are fraudulent accounts as well. I have also filed a identity theft report with the XXXX FEDERAL TRADE COMMISSION ) with the government regarding these fraudulent accounts on my credit files with your credit bureau ( EQUIFAX XXXX. Im attaching that document as well which shows even more proof of these fraudulent accounts, and your credit bureau reporting false information still. You may contact me before XXXX XXXX XXXX ) via mail before the court date to begin the lawsuit process to rectify this situation at hand. This matter can be settled simply by your agreement to remove the false information from my credit file PERMANENTLY. I require a response in a timely manner regarding your credit bureau deleting this falsified information off of my credit file. If I get another pointless letter from you saying that it has already been " XXXX '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. I have already won a similar lawsuit against XXXX Credit Bureau. I will agree to a similar settlement with XXXX, if you contact me before XXXX XXXX XXXX, XXXX ). If you accept the same terms as XXXX did, then I will dismiss my lawsuit against Equifax and you will NOT need to appear in XXXX XXXX XXXX, GEORGIA ).
The items to be removed from my credit report are listed as states : XXXX XXXX PERSONAL LOANS & XXXX XXXX XXXX Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner.
ATTENTION : Your fraud department have ( XXXX XXXX police reports on file that clearly state that both of these accounts are fraudulent accounts in which, I shouldnt be held liable for. Your department have more than enough proof, and documents to DELETE/REMOVE this account off of my credit files immediately!
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11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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its been more than 30 days since I've sent a notice and I've gotten no response on my request to opt out of the following information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is clearly being negligent on their duties. Pursuant to 15 USC 6802 I am revoking all consent to report the above information on my consumer report.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
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10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
I recently requested a copy of my credit report with XXXX and found numerous errors on the report. First I asked them to delete any and all incorrect names on my credit report. My one and only correct name that should be listed on my credit report is XXXX XXXX XXXX. I also asked them to delete any and all incorrect mailing address. My one and only mailing address is XXXX XXXX XXXX. XXXX XXXX GA, XXXX. I also asked them to delete and update my Employer to XXXX XXXX XXXX. The credit reporting agency did not update this information and told me that all information was correct. The following accounts were also not properly investigated or verified but remain on my credit report.
XXXX XXXX XXXX XXXX XXXX Account # XXXX assigned XX/XX/XXXX and a balance of {$650.00}. I have no knowledge of this account and has never done business with the creditor or collection agency assigned this account. Please provide all documentation to justify the validity of this account to include signed contracts or delete it from my credit file.
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00}. I previously disputed this account with the credit bureaus and it was deleted from my Equifax report but XXXX failed to perform an investigation and delete the disputed information.
XXXX XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$910.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
XXXX XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$35000.00}. I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX VA real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. I previously disputed this account stating : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$9900.00}. I previously disputed this account stating : I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
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09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
NOTICE OF ERROR/REQUEST FOR INFORMATION Notice of error, complaints, request for information or other qualified written requests Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX : Error Resolution Notice under 12 C.F.R. 1024.35 and Complaint for Non-Responsiveness to Lienholder Mortgage Loan Number : XXXX I am writing to request correction of the error described below regarding my mortgage on the property at XXXX XXXX XXXX, XXXX, TX XXXX.
Be advised of the following
: 12 C.F.R. 1024.35 ( a ) Notice of error. A servicer shall comply with the requirements of this s
ection for any written notice from the borrower that asserts an error and that includes the name of the borrower, information that enables the servicer to identify the borrower
's mortgage loan account, and the error the borrower believes has occurred. A notice on a payment coupon or other payment form supplied by the servicer need not be treated by the servicer as a notice of error. A qualified written request that asserts an error relating to the servicing of a mortgage loan is a notice of error for purposes of this section, and a servicer must comply with all requirements applicable to a notice of error with respect to such qualified written request.
I am requesting information to be corrected and distributed accordingly relating to the following identified issues as defined under 12 C.F.R. 1024.35 ( b ) Scope of error resolution categories : 1024.35 ( b ) ( 8 ) : Failure to transfer accurately and timely information relating to the servicing of a borrower 's mortgage loan account to a transferee servicer ; and, 1024.35 ( b ) ( 11 ) Any other error relating to the servicing of a borrower 's mortgage loan.
Following direct attempts to make contact, ignoring my contact attempts, revisiting previously my attorney RESPA request containing 31 points, late return of documents to comply with the RESPA, and assertion that you will not remedy per previous CFPB complaint, I am addressing the matter here.
Your company does not have the correct address for me and did not make any efforts to correct my address since the date of loan origination on XX/XX/XXXX. Refer to the document titled Enclosures, and I have made multiple attempts to correct this through the only means known, XXXX, the purchasing investor.
I was never aware this loan originated and in fact, per responses from the major credit bureaus, your company put forth defenses against my claims of fraudulent addresses showing on my credit file ; addresses belonging to XXXX, or XXXX XXXX XXXX and Mr. XXXX XXXX.
Error of Disclosure : As my mortgage servicer, you have a duty to make transparent all items relevant to my mortgage. Your company failed to meet minimum standards with this regard to disclosure of mortgage activity since the date of origination. By incorrectly naming the payor as me and taking payment from another, you company precluded the possibility for direct transparency.
Error in remittance Your company has been taking mortgage payments from XXXX, or some assign that is not me. This party must no longer have access to communicate or transact with your company. I am the lienholder and the single point of contact for all matters pertaining to this loan. No other person or entity other than I shall have access for any purpose and this must be corrected immediately.
Furthermore, it is my belief that your company has disclosed mortgage information without my consent to a third-party home investor and likewise taken payment from this investor knowingly under the false pretext that the payments were coming from me. This has not been authorized and is not allowed. I verified this on a call with your customer support on XX/XX/XXXX. Refer to enclosure titled Customer_Correspondence. This was provided as a direct reply to my inquiry on the loan. I do not have any knowledge of how these payments were made from where they came, the origin of the monies, the transactional records relating to the payments, or otherwise any understanding of how you came to accept these payments.
It is my explicit direction as the named lienholder that no other individual or entity is authorized to have information from your company about my mortgage, notwithstanding XXXX XXXX with a durable Power of Attorney. It is my further explicit direction that as the named lienholder that no other individual or entity is authorized to inquire about my loan or have revealed any details by any means relating to my loan for any reason at any time. This direction shall supersede any previous authorization otherwise expressed or understood as any such expression or understanding would have been erroneous and/or mistakenly interpreted.
Identity Errors in Address and Misreporting Thereof : Your company incorrectly assigned my address connecting my name with the property address of the home buying investor, XXXX when originating this loan. Refer to attached enclosure XXXX XXXX Mortgage Escrow Review Statement XXXX ( Postmarked XXXX ). Your company has not made available information on who/what entity has been responsible for payment remittance from the date of mortgage origination to present.
Your company has not been properly reporting the mortgage to the credit bureaus, namely XXXX, Equifax, and XXXX. Specifically, and to expound, your company is reporting that I am making the payments to reduce the debt. This is untruthful and needs correction.
Your company failed to maintain clarity and consistency in escrow credits and delivery of information. I received a check with the wrong address to my name on XX/XX/XXXX, for escrow calculations for year XXXX. I have not seen any disbursements or calculations for XXXX and request this be corrected or clarified.
This erroneous reporting is present and visible today on my personal income tax transcript. I did not report paying any mortgage interest when filing my returns because I did not. My XXXX income tax transcript shows that XXXX XXXX dba XXXX XXXX reported this to the IRS. I will provide as evidence a copy of my Income Tax Transcript as made available via IRS.gov, where you will find the identified reporting of " FIN
8950C '' for personal income tax purposes. Immediate corr
ection is demanded and removing of my name from this loan likewise. I recommend if not resolved here, this matter be turned over to the IRS for investigation, specifically as to how my tax return was associated with payments I never made.
Sincerely, XXXX XXXX
|
06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
In relation to ID XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX CFPB proposed a question as to what would be a fair resolution to this issue? My response, A fair resolution to this issue would be to request that XXXX and Equifax please " remove '' the negative collection agency ( XXXX XXXX XXXX XXXX XXXX ), from my credit reporting profile so that my FICO score can return to its original state due to XXXX XXXX XXXX XXXX XXXX, being paid in full.
Now that we have received a response from the Company XXXX XXXX XXXX XXXX XXXX XXXX ), on XX/XX/2022, informing us that any credit reporting XXXX provided on behalf of the creditor has been deleted accordingly. The deletion has been confirmed, I would like to move forward with submitting an additional complaint to the CFPB regarding the credit reporting bureau, XXXX. During my most recent telephone correspondence with a XXXX Supervisor, by the name of XXXX, he ( XXXX ) informed me that collections remain on ones credit report for seven years, unless I as the consumer receive notification from the collections company XXXX XXXX XXXX XXXX XXXX XXXX ), requesting that the negative report be removed ( deleted ) from the consumer 's credit profile. Therefore, considering that the third-party collection agency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX erroneously placed negative information on my personal credit profile, without notifying me and allowing proper time for me to respond to the negative information being reported by the Creditor, I am requesting that XXXX please XXXX remove '' the negative collection agency ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from my credit reporting profile BEFORE a seven-year removal of the erroneous credit reporting can take place so that my FICO score can return to its original state.
The collections supervisor ( XXXX XXXX XXXX XXXX XXXX ) informed me that they would report the balance as paid ; however, to have the collections removed from my credit report, I would need to speak to someone within the Credit Bureaus ( XX/XX/TransUnion/Equifax ) XXXX I spoke to an XXXX representative to confirm my dispute and payment, with the ability to remove the negative reporting collections the same day. Considering XXXX was the one that notified me of the negative collection being on my credit profile, I had no idea that the negative collection information had also been reported to XXXX and Equifax. However, XXXX and Equifax are stating that they are merely reporting agencies, and the negative collection reporting has to stay on your credit report for seven years although the payment has been updated to paid in full with a XXXX balance. I find this to be false information. If XXXX was able to remove it from the credit report the same day after showing that the payment in full was made to the third-party collection agency, XXXX and Equifax possess these same capabilities. No ones FICO credit score should be reduced by over 100 points due to an erroneous collections charge in the amount of only {$100.00}, due to the creditor (XX/XX/XXXX ), not following up per the documented conversation to receive the remainder of payment by phone. Allowing creditors, third-party collection companies, and credit reporting bureaus to place negative erroneous information on a person 's credit file that is utilized to weigh an individuals credibility to make life-saving decisions, must stop immediately. The point of filing a dispute with the credit bureaus ( XXXX and Equifax ), is to have the negative erroneous reporting from the collections REMOVED from my credit report file immediately, not to wait for seven years. If I had received the follow-up within a timely manner as promised by theXX/XX/XXXX representative, or proper notification from the third-party collection agency (XX/XX/XXXX XXXX XXXX XXXX that is when I could have provided the additional payment information and resolved this matter prior to reporting erroneous information to the third-party collections, and placing this error onto my credit profile. It must stop with allowing creditors, third-party collection companies, and credit reporting bureaus to submit a charge to your credit profile, then tell you it must stay on your credit report for seven years before it can be removed. UNACCEPTABLE. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) requesting your kind assistance to further investigate this matter and to provide additional knowledge and instructions for having XXXX and Equifax remove the negative paid in full third party collections account ( XXXX XXXX XXXX XXXX XXXX ), from my credit report due to it is hurting my FICO credit score and causing emotional distress if I am unable to provide for my family because every business venture and creditor review what is reported to the three major credit bureaus to determine one 's creditability. On Thursday, XX/XX/XXXX, 2022. the Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, responded to CFPB Case ID No. : ID XXXX, stating that on XX/XX/ 2022, XXXX ( XXXX ) placed an account with us for collection or we would not have attempted to contact XXXX XXXX. XXXX wrote to and called the consumer to advise him of the account. Prior to our receipt of the complaint, XXXX had already ceased collection efforts. On XXXX XXXX, 2022, XXXX XXXX called XXXX and paid the balance in full. The companys response is proof that not only are they not able to supply documentation that they reached out to me, but the company also did not comply with The Fair Debt Collection Practices Act ( FDCPA ) allows for legal action against certain collectors, such as XXXX XXXX XXXX XXXX XXXX, that dont comply with the rules in the law. XXXX XXXX XXXX XXXX XXXX, did NOT comply with the FDCPA rules in the law. Therefore, one must be selective about what is reported to confirm the accuracy and comply with the due diligence process prior to reporting negative information to a consumers credit profile. I do hope I have provided enough detailed information to the CFPB to support this matter to assist your staff members in developing a full understanding of the dispute and reasoning for your assistance request. It is important that we take the time from our busy lifestyles and speak out when a wrong has been rendered so that no other consumer will experience such amiss. Thank you in advance for your kind assistance, and please do not hesitate to contact me if additional information is needed.
Best regards, XXXX XXXX, XXXX Email : XXXX C : ( XXXX ) XXXX
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10/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : 1. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
2. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
3. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
4. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
5. Show me proof that this inquiry was authorized or remove XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
6. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
7. Show me proof that this inquiry was authorized or remove XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
8. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
9. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
10. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
11. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
12. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
13. Show me proof that this inquiry was authorized or remove XXXX/XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
XXXX. XXXX me proof that this inquiry was authorized or remove LA XXXX XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
15. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
16. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
17. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
18. Show me proof that this inquiry was authorized or remove XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
19. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
20. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
21. Show me proof that this inquiry was authorized or remove XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
22. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
25. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
26. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. Show me proof that this inquiry was authorized or remove XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. Show me proof that this inquiry was authorized or remove XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. Delete Hard Inquiry from my credit report XXXX/XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
34. Delete Hard Inquiry from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but they could not verify the inquiry in their system. To date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Your computer generated answer of stating the inquiry is factual will not be accepted. There are no signed credit applications giving the permission to access my credit report or recorded phone call authorization.
Thank you for your help and assistance.
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08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX can not collect on a discharge debt. This is now considered a certificate of indebtedness which is income and can not be reported.
XXXX XXXX agreed not to share my financial information with non affiliates and Equifax is not an affiliate of XXXX XXXX. Equifax is not the real credit bureau the only credit bureau is the CFPB and they do not furnish consumer reports.
248.124 Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
|
08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
XXXX XXXX can not collect on a discharge debt. This is now considered a certificate of indebtedness which is income and can not be reported.
XXXX XXXX agreed not to share my financial information with non affiliates and Equifax is not an affiliate of XXXX XXXX. Equifax is not the real credit bureau the only credit bureau is the CFPB and they do not furnish consumer reports.
248.124 Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
|
05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC , due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission XXXX
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely, XXXX XXXX
|
03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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I purchased the truck XX/XX/XXXX. Loan Account # On XX/XX/XXXX, the truck was involved in an accident with a fatality on XXXX XXXX XXXX. Louisiana XXXX Police towed my truck to a wrecker yard of my choice as well as the other vehicle, but a hold was placed on the vehicles due to the fatality and the investigation into the cause of the accident.
The wrecker yard that I asked them to bring my truck to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Louisiana because I work in XXXX and I am familiar with that location and easy access for me during the day. As standard operating procedure XXXX XXXX XXXX mailed a letter stating that the vehicle was placed in their position due to a wreck and they copied that letter to the lienholder which is XXXX.
I was in communication with XXXX XXXX XXXX throughout this event. It was because I was in contact with them that they called me to tell me that my bank was trying to pick the vehicle up and said that once the state police released the hold that they could not stop the bank from picking up the truck. I said my notes are paid and I do not have a clue as to why the financial institute would be trying to pick up my truck. This is odd. I had a lot going on due to the injuries my husband sustained in the wreck and tried daily to XXXX XXXX on the phone which is a task within itself. I never could get them on the phone and noticed they blocked/disabled my app that I used to pay the note on the vehicle.
During this time, my insurance was trying to get to the vehicle to do a damage report and we were trying to find out the responsible party insurance to file a claim with them. We could not get this info until later due to the owner was the fatality in the wreck.
After the XXXX police released the hold on the totaled vehicle, XXXX was able to illegally take possession of my vehicle which resulted in me not knowing where my property was, and they refused to tell the responsible insurance party where it was located for them to do a damage estimate.
I got XXXX on the phone finally only by being transferred to the repossession department and was told that they took possession of the vehicle to protect their interest in the vehicle so the towing yard could not sell the property. They stated that they received a letter from the towing yard and started the process to take possession of it. Tow yard sent out their standard letter they are required to send by law and CC to lienholder and when the incompetent XXXX employee got that notice they started this whole repossession fiasco and hindered the insurance companies from viewing the automobile to do the damage estimate after the state police released the automobile after their fatality investigation. The vehicle was not even close to being in the stage where the towing yard had a right to sell anything.
All that I am putting in this letter is a short version of a long drawn-out terror that XXXX has added insult to injury.
During this drama I had to stay on the phone with Ally day after day only to find that they sent my truck to auction to sell it. I was able to stop the auction yard from doing anything until XXXX, which is the responsible party, could view the truck to do the estimate which was also a total loss. Keep in mind all this time my notes are paid.
I never received one letter from XXXX telling me that they were trying to get my truck for any reason much less did I receive a letter stating they had my truck and was going to sell it at auction. It was after I got a lawyer involved and he was eventually able to drag some information out of them. They emailed him a letter that said they mailed me which the contents of the letter read more like ransom note. The only money they wanted from me was the money they paid to the towing company, the towing company they used to illegally pick up my truck and the extortion fee they called a repossession fee because they went and took possession of it illegally and then charged me for it. All they say to protect their interest in the truck. They have made it almost impossible to have the damage to my personal property settled. To this very minute they will not acknowledge the money they have been paid by insurance company and they have my account listed as closed which they closed when they picked my truck up illegally.
The emailed letter said I broke a promise in the contract. ( by allowing it to get towed ) My experience with XXXX has been a complete and utter joke and I hope someone can investigate the whole inner workings of this financial institute.
Important : Not one but two different insurance companies. Meaning even if the responsible party insurance did not pay then my insurance would for sure PLUS Gap insurance to cover whatever the insurance did not cover.
WHY WOULD ALLY DO THIS TO ANYBODY?
Ally stole my property and charged me for them taking it.
Ally made it impossible to settle my personal property claim on time.
Ally is falsely reporting to credit bureaus to intentionally cause harm to my credit.
Additionally, as if what's listed above is not enough, XXXX canceled my life insurance policy and to this day I still have extended coverage on the vehicle and they will not refund my money.
Additionally, after numerous failed attempts to have them correct their malicious behavior by removing the repossession from my credit now I have to add that they stop increasing the balance on a closed account. This malicious, obviously a standard operating procedure for them is continuing to damage my credit, health and financial situation.
I have all the documentation needed to support my claim of XXXX malicious behavior and I am on a mission to get this corrected by sending this information to my representatives, senators, Federal Reserve, XX/XX/XXXXwhich they are not an accredited member of and an attorney that handles fair lending malpractice and false credit reporting.
For over a year I have been trying to get XXXX to correct their mistake and they refuse.
I had no choice but to allow it to be towed due to its conditions in the wreck and the state police putting a hold on it due to the fatality in the wreck.
Additionally, see attachments for letter and title from Ally mailing my tile and/or lien release dated XX/XX/XXXX but yet the malicious incompetent behavior of report to credit bureaus incorrectly continues to this very day and todays date is XX/XX/XXXX. Over a year later. XXXX help me to find a lawyer that is willing to help me.
|
02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Bureaus have been reporting inaccurate information selling my private information compensating from my trust The information that the bureaus are using in the public selling consumers private information to make a profit is private property of the XXXX XXXX XXXX XXXX XXXX. You have not received permission to use, nor have you compensated the beneficial owner of the private trust property. All of your credit reports are inaccurate as I am the original creditor that has extended credits to all financial institutions making any reports to you about the principal, I am in care of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
The creditor have yet to show proof of possession that they are the XXXX XXXX holder of the Precedent Vested Landed Estate [ XXXX XXXX XXXX ]? Can the bureaus show proof of possession of an equitable title or certificate from the XXXX with rights of use of the private property of the XXXX?
These XXXX creates a constructive trust and you are now being appointed fiduciary with limited power to act on behalf of the XXXX XXXX Landed XXXX. Since you are assuming the position as debtor in respect to property held in the XXXX XXXX XXXX XXXX XXXX and using the private property to make a profit in the public without compensation the beneficial owner, I now demand from the bureaus the following things : XXXX. XXXX XXXX XXXX XXXX XXXX fraud by stating there is money owed. You are apart of this conspiracy by also reporting the fraud as well. I demand you report that all payments and accounts are fully current and there are no late payments and or missed payments. I demand that the consumer credit score of the Precedent Vested Landed Estate [ XXXX XXXX XXXX ] stay at XXXX and always in perfect standing. Remove Closed Accounts XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and any that I missed.
Remove all hard inquires XXXX XXXX, Best XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX U S Department of Education XX/XX/XXXX Can you ( the bureaus ) or the corporations making fraudulent reports show proof of possession of the original negotiable instrument in order to enforce the instrument? Can you Show proof ( or the corporation ) that the original note was not destroyed voluntarily by way of securitization discharging all debt?
Claiming there is an alleged debt when the Bill/note was destroyed by way of securitization therefore fully discharging all debt between parties according to U.C.C 3-604 ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.
This is fraud and misrepresentation of the material facts, the character and legal amount of debt. This is an ultra vires act, usurping powers that are not within your charter/Bond nor authorized by law.
Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes fraud, and entities party deceived to avoid contract or recover damages. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX F XXXX XXXX.
XXXX XXXX XXXX said : The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked to often. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHEREAS As all government entities and alleged private corporations must be a creature of the American Constitution, this is a formal Request and Command for you to produce for the record, the Legislative Act that created your Authority to XXXX ) enforce an instrument you are not in possession of, XXXX ) or to enforce an instrument that was destroyed by way of securitization a voluntary act to discharge all debt. XXXX ) Prove your authority to legislate over the Precedent Vested Landed Estate [ XXXX XXXX XXXX ] Private Property of XXXX XXXX XXXX LIVING TRUST. Take notice that a de facto basis for powers of authority is not sufficient in this matter. Failure to provide proof of your de jure authority appointed from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LIVING TRUST constitutes your actions as ultra vires and by operation of law your Charter is dissolved by usurping powers you do not have, a trust arises, and I become beneficiary of said trust. As beneficiary to your dissolution, I special deposit for credit on account and order all debts be paid from your capital stock.
XXXX. Conclusion : Do you have the original bill ( negotiable instrument ) in your possession to enforce the instrument to report payments of a debt? Can you prove the original note was not destroyed by way of securitization and discharging all debts? Do you have the certificated security instrument issued by the United States to show proof of possession over the principal debtor for subrogation rights over all proceeds of the principal debtor?
If you can not prove or rebut anything stated within this legal document, you fully agree with all demands being made. Your silence is acquiesced and considered as all demands will be met accordingly. You Now have XXXX business days to fully respond to this legal document. I have already given many options to correct.
For all damages and harm caused to the XXXX XXXX XXXX LIVING TRUST I make the following claims against you according to the Fee Schedule of the Trust : 1. Fraud and False Statements- {$30000.00} 2. Conspiracy- {$250000.00} 3. Failure to Respond- {>= $1,000,000} ( If you fail to respond to this ) 4. Failure to Respond as Outlined in this Notice of Claim- {>= $1,000,000} I declare under penalty and perjury under the laws of the United States of America XXXX the foregoing is true and correct. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX LIVING TRUST, XXXX XXXX XXXX Precedent Estate, non-citizen, National of the United States This is XXXX XXXX speaking in my behalf.
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02/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. These accounts may have been opened utilizing my actual information but I have not received, utilized benefited or had access to any of the following accounts. Therefore unless you can provided via certified mail an original contract with my own signature and verification the companies complied with the existing fraud alerts that were on my credit reports at time of origination and called my cell phone number listed prior to opening these accounts they need to be removed immediately.
Accounts XXXX XXXX Bal {$2700.00} XXXX XXXX Bal {$710.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX Bal {$4400.00} XXXX XXXX XXXX XXXX Bal {$3600.00} All Inquires From The Following Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my FTC Identity Theft report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Attached is My Drivers License and Bank statement showing my address I appreciate your prompt attention to this matter, and await your reply.
Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
|
12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
This concerns Identity Theft in which I am the victim. There are several different accounts listed on my credit profile that I did not open or had anything to do with whatsoever. These accounts are a direct result of someone stealing my credit information and opening credit cards, personal loans. I have sent XXXX, as well as the other two credit bureaus, all the necessary documents and information that they have requested. The documents I sent was a Federal Trade Commission report, a Police report that was filled out by a senior Police Detective, other evidence that I sent along with these, going beyond what I was required to send. I have reached out to every company in question about this identity theft case. These companies keep saying that the accounts are legitimate, which of course would be their trained response. Obviously these companies know that the thief that stole my credit information will never pay these companies their money, so instead they go after the victim. I explained this to XXXX several different times but they keep going along with the companies in question. On one occasion of correspondence, I spoke with an XXXX supervisor concerning this case. Angrily I ask a question, which was, does XXXX have the consumer at their best interest, or is their loyalty with these credit card companies and loan companies. The supervisor told me that yes they pretty much side with the companies. I shouldnt have to suffer and pay for something that I did not do. Having a Federal Trade Commission report as well as a Police report should have satisfied these companies, but instead they blame me knowing that I didnt open these accounts. A lot of these accounts I have never even heard of before. Im very very upset. I think even beyond upset. I fought and was injured in the XXXX XXXX XXXX. I have severe XXXX, and this whole ordeal is making it much much worst. Every time I call and discuss this case, they say the same thing over and over, hoping that I just accept it and go on. Im not accepting anything that I had absolutely nothing to do with. Doing my own investigation, I found that whomever is responsible for this, bought a lot of items online. I called the companies and asked them where these items actually went to being delivered. I found out that the deliveries wasnt even delivered to my addressed. As a matter of fact, not even in my state. A XXXX Veteran shouldnt have to have their identity stolen and then be blamed for accounts that they did not open. Im very angry and I want all those accounts removed from my credit profile. Im already taking names from XXXX as well as the companies in question names, so that I can file criminal warrants against them for Identity theft. One of the names is XXXX XXXX, a supervisor at the consumer affairs division for XXXX. Others Im still gathering their information, but will have it very soon. I will be prosecuting every one of them. See, this a is serious situation. Now maybe these liars that work for XXXX and the companies in question, dont take it serious, but I do. This is my life and I will not walk away. I want these dirty underhanded liars to pay for the illegal activity that they have been taking part in for years. I even reached out to several other victims on a forum that was created by victims going thru the exact same issues. This is no coincidence. These crooks with certain job titles that work for XXXX, as well as the other two credit bureaus, have been accepting money to side with the credit cards companies and loan companies as well. I really believe that this is going on. There are too many people who have been victimized, that can not receive justice. And this is with all the necessary documents and police reports, and faxes of requested information that is successfully given to these credit bureaus. They just take the word of these credit card companies without any evidence that supports their outcome. Its a shame that Im being treated this way, and I had nothing to do with it. I proudly put my life on the line in the XXXX XXXX XXXX. Was XXXX, not only XXXX XXXX XXXX XXXX. I cant sleep most nights, because of the severe night terrors that have stayed with me every since I made it back home. I see a XXXX twice a month at the VA, as well an outside XXXX. I have a very very hard problem turning off what I had to be and do XXXX XXXXXXXX. I dont like getting angry, because I cant process and control that emotion like anybody else. Especially when Im not in fault. Im definitely gon na contact my attorney General for my state as well as my superiors inside the Military. And as I made clear, Im filing warrants against XXXX XXXX, a supervisor at the consumer affairs division of XXXX, as well as all parties involved that work for the companies in question concerning this Identity Theft case. Its really ridiculous that a person has to go thru all this because of several crooked individuals that illegally accept money from these credit card and loan companies. And a Veteran no doubt that fought in war to protect their freedom. Im contacting every available news networks and platforms online and offline to share this information with them and then in turn the whole world. Ill create 100 videos on XXXX given all this information, including names and their job titles. Im gon na send 100 letters to all companies involved. I guarantee you, they will know my name. I WANT THE COMPANIES IN QUESTION REMOVED FROM MY CREDIT PROFILE IMMEDIATELY. 1/ XXXX XXXX XXXX XXXX 2/ XXXX XXXX XXXX XXXX XXXX 3/ XXXX XXXX XXXX XXXX 4/ XXXX XXXX XXXX 5/ XXXX XXXX XXXX XXXX 6/ XXXX XXXX XXXX XXXX Im not gon na just let it go, because this is my life. And I will fight for my life. Why dont they apprehend the lazy thieving criminal XXXX that stole my XXXX credit information? They havent did anything remotely related to even looking for these criminals. This is why so many victims are suffering because these companies dont ever plan on looking for these thieves. They rather attack the victim because they know that these victims dont want their credit profile to stay destroyed. So see, these crooked companies not only demand, and in lots of cases, get the money from the victims, they also receive money from insurance coverage as well. If I have to create 2000 videos on XXXX about all this, I will. If I have to write 2000 letters to each one of these companies in question, I will. If I have to file criminal warrants against the names that I have, I will.
|
02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
06/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
To Whom it May Concern, On XX/XX/XXXX I received notification of a hard inquiry on my credit from XXXX. I immediately called Equifax after checking XXXX and found the date it was checked as being XX/XX/XXXX. They related I would have to talk to the creditor to have it removed because hard inquiries are not disputable. I called XXXX the next day due to time and spent many hours on the phone and talked to many departments to find out that someone tried to open and XXXX XXXX account in my name. I related that it was not me and I did not authorize it. I called back a few more times over the next few days and spent many more hours on the phone finally talking to someone who sounded like they knew something. I was directed to a webpage to fill out an XXXX ID Theft Claim Packet and fax it back. I called back the next day to confirm receipt and was told it will take 30-60 days for this to be processed and you will hear from us.
I have had such bad luck and spent so much time on the phone with them that I was reluctant to call back until now. It is XX/XX/XXXX and I spent about four hours on the phone with XXXX yesterday being transferred and ignored and told XXXX only does soft inquiries. I related all I want is to talk to the credit department or someone who can help me remove the hard inquiry from my credit. After being told everything under the sun and they have to generate a ticket so someone can handle the problem, I have resorted to here. I have even contacted XXXX XXXX yesterday through there website that says to let him know of any concerns or problems you might have. I just receive this email back and what is even better is the department he has told me to call is a department I have spoken to twice in XXXX days.
______________________________________________________________________ " My name is XXXX and I am with the Office of XXXX XXXX. I will be more than happy to assist you with your concern. I sincerely apologize for the frustration you have encountered with your recent customer service experience. I truly appreciate your feedback and concern, I am proud to represent a company who takes this type of feedback seriously. I would love to be able to assist you further. However, in order to provide you with any information on the account, I will need to authenticate your account for security purposes.
Thank you for reaching out to us. Since you did mentioned that you have already filed an ID theft claim you will have to reach out to our Security Team. Their contact phone number is XXXX. They will be able to further research and provide you with more information about your claim. If you needed more information in regards to your account you will need to respond to this e-mail with the following information : Full name on the account The last four digits of the social security number that we have on file.
Thank you for being the best part of XXXX. I hope you have a wonderful rest of your day! At XXXX, we take great pride in our customer service efforts, so I can assure that this is not how we do business.
As a valued member of the XXXX family, we appreciate you taking the time to contact us. I look forward to your e-mail with the above information.
I will be your point of contact as long as you respond directly to this e-mail within in my days of business. If ever you need assistance when I am not here, another agent would be more than happy to assist you as well.
We truly appreciate your business and continued relationship with XXXX. I hope you have a great evening!
Sincerely, XXXX XXXX.
Office of XXXX XXXX XXXX My Account : The hassle-free way to manage your XXXX account anywhere, anytime? with no call needed. It's easy and fast to access and personalize your Wi-Fi name and password, check for service outages, troubleshoot or refresh your equipment, view and pay your bill, find out your tech 's arrival time, view your channel lineup and update your account whenever and wherever you want. To download the XXXX My Account app, simply search for XXXX My Account or click on the links below : View on the Web Download on the XXXX XXXX App Store Download on XXXX XXXX for XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number on Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Street Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apartment : City : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State : XXXX XXXX Contact Phone No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zip Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Category : Other Has Previously Contacted : True Method of Contact : phone, email, chat Response Expected : False Authenticated : False Inquiry : I have a hard credit inquiry that was fraudulently ran by XXXX and I have filled out the ID Theft Claim Packet to get it removed. This was on XX/XX/XXXX. I have a fax confirmation and was told I would here back from XXXX in regards to this matter in 30-60 days or it would be removed from my account. Nothing has happened over the past five plus months and I have spent multiple hours on the phone being transferred from department to department with no success. Your company really has no customer service or knowledge of its systems. If you would like to help before a lawsuit is placed, please call me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you. I have ran out of options, patience, and time. '' XXXX This letter doesn't even make sense. He states he would be glad to assist, but says I need to call a different department?????
Long story short, if you have a fraudulent credit check done through XXXX, they will apologize and transfer you to another department. In my case, the inquiry with a few other things makes a lot difference on my credit. I have done everything physically possible to rectify this fraudulent credit check through XXXX. I am personally at my boiling point or maybe even beyond.
Please have XXXX remove the Hard Credit Inquiry that was done on XX/XX/XXXX through Equifax.
Thank You!
|
08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX : Account number : Name, The following personal information is incorrect. This is not my name. Delete it immediately from my report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXXXXX XXXX XXXX | XX/XX/XXXX : Account number XXXX XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are recollection. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late.
Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXXXXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Sincerely, XXXX XXXX
|
05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
01/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I contacted and called Equifax or Equifaxs employees and many times such as on XX/XX/XXXX, XX/XX/XXXX and so on and to dispute same inaccurate information or same unauthorized actions or same unauthorized information on my credit report that this bureau add it to my records that it maintains and supposedly also safeguards according to applicable law and regulations but it opposites the expectations and legal obligations and keeps violating my asserted rights under the applicable law as anyone reading this will conclude it is a fact happening in my case as I will detail it so please read the following at its entirely.. Facts : That contested unlawful information or contested inaccurate information was added by this bureau with recklessness despite my warnings and/or requests and/or many disputes within this bureau and/or attempted disputes as these ones were faced by either obstruction or barriers or unlawful marginalization or discrimination or retaliation by this same bureau. Facts : this bureau keep adding inappropriately with recklessness that type of malicious information to cause damages and losses to my person .So any answer to this complaint with instructing me to go ahead and dispute directly with this credit reporting agency or credit bureau is a joke since I already tried that and therefore no excuse using that way of answering this new complaint about that above issue. Answering this complaint should be the answer to what you did again and very specifically today Saturday XX/XX/XXXX by adding negative malicious retaliatory information to my credit records that you administer and you added that despite that same information was disputed before and you delete it and despite my many notices and actions to urge you to stop and refrain from adding that same harmful information to my credit records you administer and kept doing that over and over perhaps I might not pay attention. This bureaus todays new aggression and harassment and discrimination against me is noted, reported to whom It May Concern already and no permanent resolution honored or respected by this bureau. By continuing dragging my person to this platform or other to complain you are harassing me, breaking my right to peace and damaging my reputation and causing me different other types of damages and losses and by your above referenced actions toward me that all done by this bureau in violation of the Fair Credit Reporting Act ( FCRA ) and in violation of the freedom of information act and/or privacy act and in violation of other applicable law and/or regulations. The same exact unlawful collection information were disputed many times even through the CFPB platform and this bureau declared to this bureau that same exact unlawful collection information was removed but here again today XX/XX/XXXX Equifax added it again in violation of all applicable laws and/or regulations. What is my demands and without waiving my rights? At least this bureau must refrain immediately from harassing me and harming me and damaging my well being and putting the above unlawful information back and forth to my credit records that this bureau maintain and administer and so they must delete that immediately and permanently and without adding it again. I warned legally by written notices to this bureau to not engage in the same wrongdoings against my person but it didnt deter this bureau. Going to court is highly likely to happen because Equifax retaliatory and unlawful actions against me continues after filing before complaint with the CFPB about this same bureaus precious violations toward my person.. This bureaus executives or involved staff continue to refuse recklessly to look into the issue and insisted instead to maintain inaccurate harmful information in my records kept and maintained within and by this bureau. This bureau retaliated against me by denying my rights asserted under applicable law and regulations. This bureau must comply to the law. I demand from This bureau and pursuant to the freedom of information act and/or privacy act to respond in regard to my information and privacy under this bureaus consitbous and consistent aggression and attacks and in its response also to justify to me in writing and mail their response to my current address with house number XXXX and zip code XXXX that they already have, the response to also this related questions : why should this bureau put back and forth that unlawful information in my records it administers and maintains? Why that this same exact unlawful information is shown again consistently and unlawfully and it wont stop appearing in my records despite the fact you added it as referenced above despite knowing what are you are doing is in violation of the FCRA and other? Are you going to stop and refrain from invading privacy? Are you going to comply to the law in regard to my information you misuse consistently and inappropriately?. I am so tired of coming to this platform over and over to seek protection from this credit bureaus unexplained aggressions and violations of many of rights as indicated herein and elsewhere and even my constitutional right to peace is under imminent attacks and violated by this bureau. This Bureaus involved staff or individuals please have a life and let me along in peace or face justice. I Exhausted all friendly initiatives to resolve this issue caused and forced unlawful to exist by this same bureau and in violation of applicable law and/or regulations. all stated herein is to my current state of belief knowledge and understanding and it is subject to anything or correction from error or other and at any time without prior notice and from anywhere by my person or my legal representative if any and without waiving my rights asserted by law and regulations.
I consent and would like the CFPB to publish this description on consumerfinance.gov so that public awareness about my struggling with this bureau hopefully others will prevent it before it escalate and become almost a daily basis unnecessary externality that is harmful and it shameful for this bureau to engage in all the above referenced wrongdoings against a citizen. all stated herein is to my current state of belief knowledge and understanding and it is subject to anything or correction from error or other and at any time without prior notice and from anywhere by my person or my legal representative if any and without waiving my rights asserted by law and regulations.
|
01/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Older American |
We have been in the process of applying to refinance the mortgage on our residence since XXXX, XXXX. We were required to get our credit reports unfrozen. Within an hour on XX/XX/XXXX, I was able to unfreeze XXXX and XXXX, but when it came to Equifax, it was another matter.
I have no difficulty logging onto the Equifax site and over the ensuing three months - around 100 times was greeted with this message.
So I called this number. The telephone is an automated attendant that does not provide a menu option for reaching a human attendant. It takes over five minutes to listen to the menus. The information given is garbage useless and incorrect.
Because I have a phone that records a transcript of calls, I have a record of what I heard on this number.
Among the false information are email addresses that are returned as undeliverable : XXXX or XXXX. Here is one of the kind of returns : This message was created automatically by mail delivery software.
A message that you sent has not yet been delivered to one or more of its recipients after more than 48 hours on the queue on XXXX.
The message identifier is : XXXX The subject of the message is : Temporarily release credit reports The date of the message is : Tue, XXXX XX/XX/XXXX XXXX XXXX The address to which the message has not yet been delivered is : XXXX No action is required on your part. Delivery attempts will continue for some time, and this warning may be repeated at intervals if the message remains undelivered. Eventually the mail delivery software will give up, and when that happens, the message will be returned to you.
This message was created automatically by mail delivery software.
A message that you sent could not be delivered to one or more of its recipients. This is a permanent error. The following address ( es ) failed : XXXX Unrouteable address I found this on the web : You can email us at XXXX. Please include your Equifax Credit Report Reference Number and any existing case numbers you're aware of in your email. Investigation and resolution of your complaint may be delayed if this information is not included.
The answer I received from this email was Dear XXXX, Thanks for getting in touch. Weve raised your query under case number XXXX. Please quote this reference number in any future contact about your query.
If youre a registered user of our Equifax Online Help service under this email address youll be able to see your case in the My Cases section. If youre not a registered user you can create an account by going to www.equifax.co.XXXX/ask/. Equifax Online Help enables you to raise and keep track of any queries that you have with us.
If there's anything else that you need help with, we hope you'll find the answer on our FAQ page. If you have any additional queries please update this case or create a new case through your Equifax Online Help account.
Equifax remains open for business and we are here to provide support and deal with any queries you may have. However, due to Covid-19 ( the Coronavirus ) you may find yourself having to wait longer than normal to have your call answered.
Answers to most questions can be found in our FAQ 's or you can raise a query via our Online Help service. If your call is urgent we are open between XXXX XXXX, Monday to Friday on XXXX XXXX XXXX, calls are free from XXXX landlines and XXXX mobiles.
If youre a customer of any of our partners and have raised your query through them, youll need to get back in touch with them to raise further queries.
Kind regards, Equifax Consumer Support I filed complaints with the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX replied on the XXXX XXXX XXXX site RE : XXXX XXXX XXXX XXXX, Case # XXXX Dear XXXX XXXX XXXX : Thank you for submitting XXXX & XXXX XXXX XXXX complaint on XX/XX/XXXX through the XXXX Complaint Portal. In their complaint, they indicated that they are unable to unfreeze their credit files.
The identification information the consumer provided does not match our records. In order to properly assist them, we will need additional information in order to verify their identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of their identification and current address : Current pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill.
If they have any additional questions, they may call XXXX XXXX XXXX XXXX Note : This acknowledges receipt of information I had both faxed and sent by certified mail.
Our identity information has not changed in over two years, when we moved to home four blocks from our former residence but kept our phone number. More importantly, we had gotten a credit freeze processed in XXXX by Equifax. I have a post card acknowledgement of this.
Finally, I received a call on XX/XX/XXXX from someone identifying himself as being with Equifax. The number he called from was XXXX. He asked me if I had sent a certified letter, which I had, and I gave him the date. The caller gave me another phone number to call XXXX XXXX.
This number told me the information I provided does not match their records. I tried calling back the XXXX and was told this number dealt with CLASS ACTIONS. I got another number XXXX XXXX XXXX which turns out to be a XXXX dealership. Another site I was given on the phone was XXXX. This company is not owned by Equifax and there appears.
Another number I got was XXXX. I spoke to a XXXX XXXX XXXX is a marine wholesale company, selling to the trade only.
I again faxed the information Mr. XXXX specified using this fax number XXXX sent on XX/XX/XXXX. I had previously faxed information on XX/XX/XXXX to this number.
I found the following on XXXX : When you log in at myEquifax.com, there is a tile on the upper right of the dashboard that indicates your freeze status. If you dont have an account, or simply would rather use the phone, call XXXX and follow the prompts to verify your identity. If your credit report is not frozen, you will only hear options for freezing it.
There is no such tile in the upper right of the Equifax site.
My request is simple : Unfreeze my wife and my credit reports.
|
12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Problem getting your free annual credit report
|
|
Web |
|
I have two complaints about practices by the three credit bureaus. The first concerns deceiving consumers into purchasing memberships and paid products by concealing the consumer 's right to a free annual credit report without signing up for an account or membership. I plan to apply for a refinance mortgage in the next few weeks to take advantage of low interest rates and so I went online to the 3 credit bureaus ' websites ( XXXX, Equifax, and XXXX ) to obtain my free annual credit report in order to correct any errors prior to submitting my mortage application. In this process, I discovered deceptive practices by the 3 bureaus. XXXX has nothing about free annual credit reports on their home page and instead has a large button " my credit score and report '' that leads the consumer to sign up for a XXXX account. Equifax has a button " get free credit report '' near the bottom of the page, that leads to another page, that says " you may already know that there are multiple ways to get a free credit report '' and lures consumers to sign up and create an Equifax account. There is a button that leads to XXXX, which is the true source of free annual credit reports required by federal law. However it is buried among multiple buttons and links that lure consumers to sign up for an Equifax account and purchase paid products. XXXX has nothing on its home page about free annual credit reports required by federal law and has a very large banner at the top of the page " YOUR CREDIT REPORT AND FICO SCORE -- ALL FREE '' and a large button that says " YES LET 'S GO ''. The button leads the consumer to sign up for an XXXX account. These practices constitute deceptive acts to confuse and mislead the consumer into creating an account, where the bureaus at least collect more information about each consumer and almost always lead to the consumer purchasing paid products. The consumer who just wants to know what is on her credit report is frustrated and deceived into signing up for an account. To comply with the intent of Congress in requiring free annual credit reports, each of the bureaus should be required to include as the first thing the consumer sees on their websites, in at least 20 point font, a message similar to the following : " Federal law requires us to provide you with a free annual credit report. You do not have to sign up for an account or purchase any products from us to obtain your free report. Consumers should first obtain their free annual credit report by clicking here. If after reviewing your free report you are interested in signing up for an account or purchasing paid products, you can return to this page to see our paid products below. '' As explained in more detail below, credit reports have a very high rate of erroneous information. The credit bureaus create false information about consumers and then profit from it by selling " memberships '' that " allow '' consumers to monitor their reports to discover and correct false information. As such, they are an industry that requires very close supervision and, I believe, the suggested warning and link are both reasonable and necessary to protect consumers and effectuate the intent of Congress. I do not have time right now to submit a formal petition to institute rule making, however CFPB staff may construe this as a request to institute rule making, or act on this suggestion sua sponte and initiate a rule or, if you believe you have existing authority, require better information to consumers about free credit reports through an enforcement action. I believe the foregoing problem and solution are simple and straightforward and worthy of your consideration. The second complaint, about the plethora of false information on credit reports, and how this complicates the consumer 's task in obtaining their free credit report is admittedly more complex. I did eventually find my way to XXXX. However, I was only able to obtain a report from XXXX. Equifax and XXXX denied my request because of false information on my credit report that did not match the information I provided. First, the only way I can ever obtain my credit report is to look back at the last report I received from each bureau. This is because the bureaus each think I have a different address. So I must use whatever address each bureau had for me on my last report. None of which are my actual address ( some are past addresses ; some are business addresses ; one is a P.O. Box that I sometimes use ). Next, one of the challenge questions from Transunion asked " which of these people live in XXXX? '' I lived in XXXX California about 20 years ago. I did not recognize any of the names and certainly none of the names were relatives or close associates. So I checked " none of the above '' which was a wrong answer and my request was therefore denied. I also failed one of the Equifax challenge questions, which asked which of the following consumer accounts did you open in 2019? There were then a list of department store accounts. I have never had a department store credit card or credit account. So I answered " none. '' This was wrong and I was denied. I did answer all of the XXXX questions and got my report online from XXXX. So for Equifax and XXXX, I was denied because the bureaus have false information in my file that I had a certain account when I didn't and because they mistakenly believe one of the XXXX names was a close associate when it isn't. I searched for a phone number to call someone at either XXXX or XXXX or Equifax. Any phone number was difficult to locate and after calling it there were only automated options and no possibility to talk to a human being. My suggestion here is to require that the bureaus provide a fully staffed call center where consumers attempting to obtain their reports online and encountering problems like mine can reach a human being who can then ask alternate questions and make a judgment as to whether the report will be released online in real time. It is important to prevent fraudulent access to credit reports. It is also important to allow consumers access to their account. Both goals can be served by providing real time access to a human being. This will cost the bureaus money but they are profiting in the billions from gathering and disseminating information that ultimately is the property of each consumer. They can afford to staff a call center. Thank you for considering my complaints and suggestions for resolving them.
|
06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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my name is XXXX XXXX XXXX Ive reached out to XXXXXXXX/EQUIFAX dispute department, ABOUT identity theft, Ive sent papers from XXXXhe US Justice Department with the case XXXX United States v. Defendants XXXX Thomas Kennedy McCormick Case Number 2018R02475 Court Docket Number 18-CR-00359 ) XXXX EQUIFAX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C- 2 theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt XXXXXXXX/Equifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act. XXXX XXXX XXXX date XX/XX/XXXX acct # XXXX amount {$2000.00} XXXXEquifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley have sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile XXXX XXXX XXXX date XX/XX/XXXX acct # XXXX amount {$2000.00} XXXX XXXX XXXX Account # XXXX Date XX/XX/XXXX fraudulent amount : {$25000.00} ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have sent over a state.
Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX '' XXXX '' EQUIFAX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) -of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. I am aware that my ( SSN ) belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXEQUIFAX/XXXX
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09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. The account listed XXXX Account XXXX XXXXXXXX has several inconsistencies reporting which leads to the reporting agencies not maintaining accurate reports.
Last Verified : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
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06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Reinvestigation -XXXX XXXX XXXX Dear Equifax, I have no idea who is verifying this fraudulent collection account, but I can assure you that I have never done any business with this company. XXXX credit bureau does not have this information on my report, also. Just because your company verified this account, your company still failed to send the procedures or the steps on how this account legally binds me to owe them {$120.00}? I didnt sign any papers. I need to see the original documents from the XXXX XXXX XXXX company with my signature as an exchange of their products and services if youre going to keep reporting this information on my report. I didnt give this company permission to report anything on my report. I didnt purchase any products or services from this company. I demand proof showing where I signed to have set up any payments with the company. You wont have that because I have never done business with XXXX XXXX XXXX. So how could I owe them anything? This is absolute fraud and I demand this be reinvested thoroughly and deleted immediately. This fraudulent collection is harming my everyday life costing me thousands of dollars. I will not stand for it any longer. I have never even heard of this company. Your company has absolutely broken several consumer laws. I have included them in my reinvestigation dispute letter below. I request action be taken immediately. I will also be filing a complaint with FTC on this fraudulent company, XXXX XXXX XXXX, if we can not get this issue resolved immediately.
Under USC 1681c-1 ( a ) a ) One-call fraud alerts ( 1 ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; Equifax its your duty to protect my score, which controls my life, from fraudulent and inaccurate companies. I can assure you that XXXX XXXX XXXX is fraudulent and does not belong to me. Please remove this fraudulent account from my report immediately.
Under 15 USC 6801 Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Under 15 USC 1681b Permissible purpose of consumer ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually billed travel charge cards.
I know mistakes happen, but my credit should not have to suffer because of this mistake. My credit score reflects myself, and I take these discrepancies very seriously. Not only is my credit score suffering from this mistake, but it is harming my everyday life. Lenders will not do business with me because they deem me irresponsible. As a result, I am not able to purchase my first home. I demand that this account be removed from my report immediately if your company can not provide the information requested above. I will await a response or action taken within 30 days.
Thanks
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07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
I was granted XXXX XXXX XXXXXXXX in XX/XX/XXXX, and began the process of applying for forgiveness of my FFEL consolidated student loans in XX/XX/XXXX. XXXX, the company that held the loan ( worth about {$28000.00}, consolidated from two loans ), informed me that my application for a XXXX XXXX XXXX XXXX Discharge had been approved in a letter dated XX/XX/XXXX, and that no further payments or action on my part were necessary. The letter specifies details regarding Tax Implications when one 's loans are discharged, but says NOTHING about any sort of concern being warranted for one 's credit report, i.e. there is no warning that one 's status may be affected.
Several months later, my wife and I applied for a home refinance-construction loan. We began the process in XX/XX/XXXX, and quarantines notwithstanding, the process proceeded smoothly through our first credit score checks, which arrived in mid-XXXX XXXX ; my scores were all in the low 800s.
Toward the end of XXXX, however, as the date of our closing approached, we were contacted by the bank 's mortgage officer, asking if we could provide the underwriter with more information since I was reported as being delinquent on my student loans, and my credit score was significantly lower than before ( more than 150points ).
We spend hours on the telephone with various parties from XXXX during the week of XX/XX/XXXX. Their practices seem to be designed to wear down concerned customers, as the branch dealing with XXXX claims is somehow not connected to the " Solutions '' branch that deals with credit reporting, and frequent transfers between uninformed agents necessitate repeated explanations of problems.
We were repeatedly told that -- and, if this is true, it represents an INCREDIBLY poorly designed process -- as loan forgiveness is being processed, the de-activated loans are 're-activated, ' and thus appear as delinquent/unpaid on a person 's credit report until the process is completed, which must happen within a 120-day period. In other words, WITH NO KNOWLEDGE to the veteran, who in face is notified in writing that no further payment is necessary, they are reported as delinquent on their loan, and will be for at least 4 months.. This is especially unjust, as the veteran neither has knowledge about it and thus can not do anything to prevent or remedy the situation.
Several XXXX representatives told us that since the 120-day period had not concluded, there was nothing that I could do but wait for the loan forgiveness process to conclude and then, once the loan was no longer " delinquent '', wait for our credit scores to improve. Because this sounded ridiculous, which it is, I repeatedly asked to speak to persons in different branches and to supervisors of those persons, and were promised on Thursday the XXXX that I would receive a call back from one supervisor Friday the XXXX. Unsurprisingly, though, we did not receive a call from XXXX that day, and my attempt to call back the person whom I had spoken with the previous day was unsuccessful that day as well.
I spoke with a " Senior Resolution Specialist, '' XXXX XXXX, on Monday XXXX. XXXX, XXXX, after being on the phone for nearly three hours. This individual did offer to join a three-way call with the underwriter from my bank, which I arranged using my own phone. During this call, XXXX XXXX verified to the underwriter that ( 1 ) XXXX 's report of my delinquent payment had been in error, ( 2 ) that my loans were paid in full, and ( 3 ) that it usually takes 120 days for a lender to approve a loan discharge. XXXX XXXX told both that underwriter and me that he would investigate how to have the lender 's report to credit reporting agencies adjusted, and would be back in touch. Again, unsirprisingly, I have not been able to reach XXXX XXXX since.
We were able to close on our home loan successfully on XX/XX/XXXX, thankfully, but in making inquiries regarding contingency plans for extending part of the loan ( e.g. in the case that expenses for repairs to a damaged foundation and heating system exceeded our contractor 's estimates ), were told again by our bank that my credit score was lower than what is considered adequate for further assistance -- in other words, that my credit score had not been adjusted. We also received a letter from XXXX dated XX/XX/XXXX, that next week, stating : " Thank you for your recent credit reporting inquiry. After careful review of your account we have determined that the student loan ( s ) referenced in your request requires no adjustment because All credit reporting is valid and accurate.
Under the Fair Credit Reporting Act ( FCRA ), data providers are not required to investigate certain disputes received directly from consumers. [ ... gives examples ]. '' We have continued to contact XXXX to dispute their abjuring the responsibility to clarify that I have not been delinquent on a payment, but subsequent conversations ( most recently yesterday, XX/XX/XXXX, and today, XX/XX/XXXX ) have yielded the same answer -- they will take no action.
How can this be possible, when the credit reporting regarding the individual -- me -- is INACCURATE? Who designed a system that throws veterans into financial delinquency for at least a third of a year, with great possibilities that damage to credit scores can take MUCH longer to repair, and that they may not be able to access funds for their or their families needs, while their student loans are being " processed ''? Why are loan servicers not obliged to clarify that they are receiving TAXPAYER MONEY for every cent of those veterans ' loans, and to use some of those funds to make sure the persons whose physical and/or mental health has been damaged by service to their country isn't worsened by financial crisis and anxiety? This clearly is hurting multiple other veterans, as I have found while researching how and to whom I could make further complaints.
I am sending this complaint not only in the hopes for some resolution for myself, but for the many other veterans who, despite the existence of the XXXXXXXX XXXX XXXXXXXX XXXX loan forgiveness program, are STILL being financially damaged as they try to extricate themselves from their debts. It isn't much to ask, to have XXXX and other loan servicers explain to Equifax, XXXX, and XXXX, that veterans like myself have not been delinquent on payments since we were notified, in writing, that our loans were forgiven.
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10/29/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Im victim of identity theft are contacting your credit bureau ( EQUIFAX ) to inform you of my lawsuit against your credit bureau. Currently, the XXXX XXXX is scheduled for ( XXXX XXXX, XXXX at XXXX ). The lawsuit was filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. Im also suing Equifax for being negligent regarding my credit files being affected by the cybersecurity incident, and breach with ( EQUIFAX ). This credit bureau had a enormous security failure, and it has affected millions of consumers worldwide. I am one of those consumers that have been affected, and Im seeking justice regarding fraudulent accounts that are being reported on my credit files at this time. My social security number, drivers license, birthdate, and personal information was COMPROMISED/AFFECTED by the cybersecurity incident. I have filled out my information online under the website : equifaxsecurity2017 and it clearly shows that my ( PERSONAL INFORMATON WAS AFFECTED BY THE BREACH ). The consumers as myself that have been affected should not have to deal with having fraudulent accounts reporting on their credit files. Due to this incident all consumers that where affected should have their credit files, and personal information updated/restored. If fraudulent accounts where opened in their name, and their information was compromised it is your credit bureau department to have those accounts REMOVED/DELETED off of the consumers credit files. I should not have to suffer, or battle with fraud accounts that where opened in my name due to the negligence of your credit bureau. This breach has caused me so much grief, has put me in a financial bind, have made me have to go through the emotional/financial stress of dealing with creditors that are trying to validate ( FRAUDULENT ACCOUNTS ), because my ssn was compromised. I have contacted the false creditors listed on my credit file with the companies who have reported fraudulent accounts on my credit file by the name of : ( XXXX XXXX ). I have challenged all of the false listings on my credit file. Over 90 days ago I wrote this creditor, and your credit bureau as well in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted by phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters, several police reports stating that this is a fraudulent account, and dates prepared to bring to court on XXXX XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " VERIFIED '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone has stolen my identity and used my information without my authorization. Now I am suing your credit bureau EQUIFAX for reporting falsified debt on my credit files without proper verification that this fraudulent account belongs to me. I have provided more than sufficient evidence to have these fraudulent accounts REMOVED/BLOCKED off of my credit files. I also had 3 other fraudulent accounts that where opened last year around the same time this fraudulent account was opened. I have the letters from those creditors whereas they DEEMED all 3 accounts ( FRAUDULENT ACCOUNTS ) in which they REMOVED/BLOCKED those accounts from reporting on my credit files. Im attaching my latest police report to show that these are fraudulent accounts giving more proof of my fraud claim at this current time. Your fraud department also have prior police reports that show that these accounts are fraudulent accounts as well. I have also filed a identity theft report with the ( FEDERAL TRADE COMMISSION ) with the government regarding these fraudulent accounts on my credit files with your credit bureau ( EQUIFAX ). Im attaching that document as well which shows even more proof of these fraudulent accounts, and your credit bureau reporting false information still. You may contact me before ( XXXXXXXX XXXX ) via mail before the court date to begin the lawsuit process to rectify this situation at hand. This matter can be settled simply by your agreement to remove the false information from my credit file PERMANENTLY. I require a response in a timely manner regarding your credit bureau deleting this falsified information off of my credit file. If I get another pointless letter from you saying that it has already been " VERIFIED '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. I have already won a similar lawsuit against XXXX Credit Bureau. I will agree to a similar settlement with XXXX, if you contact me before ( XXXX XXXX, XXXX ). If you accept the same terms as XXXX did, then I will dismiss my lawsuit against Equifax and you will NOT need to appear in XXXX XXXX XXXX, XXXX XXXX. The items to be removed from my credit report are listed as states : ( BEST EGG/SST ). Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner. ATTENTION : Your fraud department have ( 2 ) police reports on file that clearly state that both of these accounts are fraudulent accounts in which, I shouldnt be held liable for. Your department have more than enough proof, and documents to DELETE/REMOVE this account off of my credit files immediately!
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06/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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THERE ARE SERVAL UNAUTHORIZED INQUIRES ON MY CREDIT REPORT.
THESE ARE FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.
Account Name 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT XXXX Account Number : XXXX I demand that any and all late payments be removed as you in clear violation of 15 U.S. Code 1681e ( b ) failure to provide maximum accuracy amongst all credit reporting agencies. Failure to comply with my demand is a violation of 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) IN GENERAL Any person which is negligent in failing to comply with any requirement imposed under this subchapter with respect to ANY consumer is liable to that consumer in an amount equal to the sum of ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand!
2. This account affected me as I went to apply for a mortgage and the account was not notated they asked me what was going on because this account was not notated.
XXXX Account XXXX : XXXX I demand this account be deleted from my consumer report immediately. 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. No letter or notification that this account is disputed. You are also in violation pursuant to 15 U.S. Code 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed 3. This account affected me as I went to apply for a mortgage and the account was not notated they asked me what was going on because this account was not notated.
XXXX Account Number : XXXX I demand this account be deleted from my consumer report immediately. 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. No letter or notification that this account is disputed. You are also in violation pursuant to 15 U.S. Code 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed A chargeoff or collection is debt sold by the original creditor to a 3rd party. It is a violation to be reporting a balance due for this type of account if it is infact a chargeoff XXXX XXXX Account Number : XXXX I demand This allege collection account be deleted as you in clear violation of 15 U.S. Code 1681e ( b ) failure to provide maximum accuracy amongst all credit reporting agencies. Failure to comply with my demand is a violation of 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) IN GENERAL Any person which is negligent in failing to comply with any requirement imposed under this subchapter with respect to ANY consumer is liable to that consumer in an amount equal to the sum of ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand! ( 1 ) Any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand! n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my consumer report effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing to resolve this. Furthermore, due to the violation of the privacy on my rights being violated under the Privacy Act of 1974, The Freedom Of Information Act 5 U.S. Code 552, the Data Care Act of 2023, under the Consumer Privacy Bill of Rights. Equifax has violated my consumer rights continuing to ignore my claims and requests to delete these illegal accounts form my consumer report. Not only has all of my Consumer Rights been violated within the Laws, Rule, Regulations and Requirements above, furthermore my 12 CFR 100.34 ( c ) right has been violated alleging these account belong to me i have yet FAILED TO BE OR RECIEVE INFORMAL NOTICE. The reporting of inaccurate and outdate information which 15 U.S Code 1681 ( b ) speaks on that relevancy and the obligation Equifax has. Please help me Update my personal information and delete these items from my Equifax consumer report.
My PERSONAL INFORMATION is as follows ; My ONE only name is : XXXX XXXX XXXX My one and only Deliverable / Mailing address is : XXXX XXXX XXXX XXXX, CT XXXX My ONLY responsive email is : XXXX Any other PERSONAL information Equifax is providing needs to be deleted and updated IMMEDIATELY.
ACCOUNTS VIOLATIONS as follows : 12CFR 1006.34 ( my validation of authenticity request of this actual debt belonging to me and not ALLEDGED being mine was never produced from Equifax ) XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX CLOSED ) - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX 15 U.S. Code 1681 ( a ) ( 2 ) EXCLUSIONS - reports containing information solely as to transactions or experiences between consumer and the person making the report! Eqifax is a 3rd party and PER the FCRA as a federally protected consumer I am now OPTING OUT of any and all authorization, I the consumer may have given you, written or non written, verbal or non verbal, Per U.S. Code 6802. Please update the account that follows : XXXX XXXX XXXX XXXX XXXX.
INQUIRY VIOLATIONS as follows, Please delete ALL ; by said per Laws above and U.S. Code 1681 ( a ) ( 1-4 ) - Accuracy and Fairness of Credit Reporting , and ( b ) Reasonable Procedures and Permissible Purpose.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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HELLO TO WHOM IT MAY CONCERN, HERE IS A FOLLOWING DOCUMENT ATTACHED THAT I DIDN'T SEND IN THE PREVIOUS MESSAGE. I HAVE AN FTC REPORT FOR THE ACCOUNT LISTED BELOW. XXXX XXXX. INTERNAL DISPUTE REMOVE PERMANENTLY AND IMMEDIATELY.
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( ii ) the consumer has authorized in writing ( which authoriza- tion may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( b ) Notification. A consumer reporting agency shall promptly notify the fur- nisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
607 Compliance procedures [ 15 U.S.C. 1681e ] a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec- tion 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title.
( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
616 civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ment imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance. Any person who obtains a con- sumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
( c ) Attorneys fees. Upon a finding by the court that an unsuccessful plead- ing, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the fail- ure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this sec- tion was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.
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10/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Im victim of identity theft are contacting your credit bureau ( EQUIFAX ) to inform you of my lawsuit against your credit bureau. Currently, the Pretrial Conference is scheduled for ( XXXX XXXX, XXXX at XXXX ). The lawsuit was filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. Im also suing Equifax for being negligent regarding my credit files being affected by the cybersecurity incident, and breach with ( EQUIFAX ). This credit bureau had a enormous security failure, and it has affected millions of consumers worldwide. I am one of those consumers that have been affected, and Im seeking justice regarding fraudulent accounts that are being reported on my credit files at this time. My social security number, drivers license, birthdate, and personal information was COMPROMISED/AFFECTED by the cybersecurity incident. I have filled out my information online under the website : equifaxsecurity2017 and it clearly shows that my ( PERSONAL INFORMATON WAS AFFECTED BY THE BREACH ). The consumers as myself that have been affected should not have to deal with having fraudulent accounts reporting on their credit files. Due to this incident all consumers that where affected should have their credit files, and personal information updated/restored. If fraudulent accounts where opened in their name, and their information was compromised it is your credit bureau department to have those accounts REMOVED/DELETED off of the consumers credit files. I should not have to suffer, or battle with fraud accounts that where opened in my name due to the negligence of your credit bureau. This breach has caused me so much grief, has put me in a financial bind, have made me have to go through the emotional/financial stress of dealing with creditors that are trying to validate ( FRAUDULENT ACCOUNTS ), because my ssn was compromised. I have contacted the false creditors listed on my credit file with the companies who have reported fraudulent accounts on my credit file by the name of : ( XXXX XXXX ). I have challenged all of the false listings on my credit file. Over 90 days ago I wrote this creditor, and your credit bureau as well in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted by phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters, several police reports stating that this is a fraudulent account, and dates prepared to bring to court on XXXX XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " VERIFIED '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone has stolen my identity and used my information without my authorization. Now I am suing your credit bureau EQUIFAX for reporting falsified debt on my credit files without proper verification that this fraudulent account belongs to me. I have provided more than sufficient evidence to have these fraudulent accounts REMOVED/BLOCKED off of my credit files. I also had 3 other fraudulent accounts that where opened last year around the same time this fraudulent account was opened. I have the letters from those creditors whereas they DEEMED all 3 accounts ( FRAUDULENT ACCOUNTS ) in which they REMOVED/BLOCKED those accounts from reporting on my credit files. Im attaching my latest police report to show that these are fraudulent accounts giving more proof of my fraud claim at this current time. Your fraud department also have prior police reports that show that these accounts are fraudulent accounts as well. I have also filed a identity theft report with the ( FEDERAL TRADE COMMISSION ) with the government regarding these fraudulent accounts on my credit files with your credit bureau ( EQUIFAX ). Im attaching that document as well which shows even more proof of these fraudulent accounts, and your credit bureau reporting false information still. You may contact me before ( XXXX XXXX ) via mail before the court date to begin the lawsuit process to rectify this situation at hand. This matter can be settled simply by your agreement to remove the false information from my credit file PERMANENTLY. I require a response in a timely manner regarding your credit bureau deleting this falsified information off of my credit file. If I get another pointless letter from you saying that it has already been " VERIFIED '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. I have already won a similar lawsuit against XXXX Credit Bureau. I will agree to a similar settlement with XXXX, if you contact me before ( XXXX XXXX, XXXX ). If you accept the same terms as XXXX did, then I will dismiss my lawsuit against Equifax and you will NOT need to appear in ( XXXX XXXX, GEORGIA ). The items to be removed from my credit report are listed as states : ( XXXX XXXX ). Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner. ATTENTION : Your fraud department have ( 2 ) police reports on file that clearly state that both of these accounts are fraudulent accounts in which, I shouldnt be held liable for. Your department have more than enough proof, and documents to DELETE/REMOVE this account off of my credit files immediately!
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04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX Equifax Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS XXXX : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX, California XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mines.
XXXX. Identity Theft XXXX XXXX AT XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft Account Number : Name : XXXX XXXX XXXX XXXX. Identity Theft Account Number : Former : XXXX XXXX XXXX XXXX XXXX Identity Theft Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. Identity Theft Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { {$1800.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX is not an affiliate of XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
XXXX XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX According to FCRA section 611, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any allegations that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your allegations are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX - XXXX 2 Year Payment History Account Description : Account Type : XXXX Credit Limit : XXXX Date Reported : - High Balance : XXXX Past Due Amount : XXXX Equifax OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Individual Open Account {$0.00} XX/XX/XXXX {$1200.00} {$1100.00} Account # : XXXX Account Status : XXXX Balance Owed : XXXX Creditor Remarks : XXXX Date of Last Activity : XXXX Last Payment : XXXX Payment Amount : XXXX Term Length : XXXX Equifax XXXX Derogatory {$1100.00} Consumer disputes after resolution Collection account XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX Creditor Type : - Collection Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Late 120 Days The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now.
Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
Viewing Date of Last Activity ( XXXX ) demonstrating XX/XX/XXXX The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards.
I was looking at Credit Limit ( XXXX ) expressing {$0.00} We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof!
I was looking at Term Length ( XXXX ) expressing 0. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof!
Viewing Last Payment ( XXXX ) demonstrating XX/XX/XXXX is deviating from applicable compliance standards! It is imperative that the data within my credit report is accurately reported, which can be accomplished only if there's no deviation from what's required for compliance reporting! If data reporting isn't done correctly or taken seriously then we might see less integrity of said reports as they will lack one or more essential components needed to make them believable and reliable. If the data in my reports is inaccurate that may negatively impact my credit score and my ability to obtain financing in the future.
I want to bring to your attention Payment Amount ( XXXX ) reporting {$0.00}. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively.
Upon inspecting High Balance ( XXXX ) exhibiting {$1200.00}. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account.
According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms!
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
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11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I recently checked my consumer report and noticed accounts I didnt open on my own.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The Following accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law.
I demand all the above Fraudulent accounts DELETED immediately.
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC Attorney Generals Office in your state and Mine Thank you, XXXX XXXX
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11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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it has been 73 days since I had sent my notice to these agencies that I want to opt of out reporting some nonpublic information that is on my consumer report. The accounts goes as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am revoking consent to report this information pursuant to 15 U.S. Code 6802.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
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12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have not provided any written instructions to allow any Consumer Reporting Agency ; XXXX, Equifax, or XXXX, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.
I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned.
I continue to notice accounts being reported on my Credit Report that I never gave written permission for. I also asked that my information be frozen to anyone so that my information would not be exposed to anyone that I have not given permission to view. I put fraud alert on my account years ago due to my information being leaked by Equifax breach. XXXX, Equifax, XXXX all were notified several times via written disputes, phone calls, and suppressing my information from other reporting companies such as XXXX, XXXX, and XXXX. To no avail I still continue to see things reported on my reports.
XXXX : US Department of Education student loans were forgiven and they continue to report as outstanding from one entity to the next for multiple loans totaling {$48000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased by {$10000.00} from {$3600.00} to {$13000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$16000.00} to {$18000.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1700.00} to {$1800.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$5200.00} to {$5900.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$2300.00} to {$2400.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$3400.00} to {$3600.00} *** These Student loans were from XXXX - XXXX over 32 years ago and the loans were bought and sold so many times and when the loan was forgiven US Dept of Education picked it up now attempting to make my life hard by damaging reports on my credit.
XXXX XXXX XXXX XXXX continues to report closed account from XXXX as open every month on all XXXX CRA 's account was closed and charged off XX/XX/XXXX amount {$5100.00} XXXX XXXX Reporting {$15000.00} on a closed account XXXX XXXX reporting ( XXXX ) accounts XXXX {$2700.00} and XXXX {$450.00} closed XXXX XXXX, XXXX XXXX : US Department of Education student loans were forgiven and they continue to report as outstanding from XXXX entity to the next for multiple loans totaling {$48000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased by {$10000.00} from {$3600.00} to {$13000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$16000.00} to {$18000.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1700.00} to {$1800.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$5200.00} to {$5900.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$2300.00} to {$2400.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$3400.00} to {$3600.00} *** These Student loans were from XXXX - XXXX over 32 years ago and the loans were bought and sold so many times and when the loan was forgiven US Dept of Education picked it up now attempting to make my life hard by damaging reports on my credit.
XXXX XXXX XXXX XXXX continues to report closed account from XXXX as open every month on all XXXX CRA 's account was closed and charged off XX/XX/XXXX amount {$5100.00} XXXX XXXX Reporting {$15000.00} on a closed account XXXX XXXX reporting ( XXXX ) accounts XXXX {$2700.00} and XXXX {$450.00} closed XXXX XXXX, XXXX Equifax : US Department of Education student loans were forgiven and they continue to report as outstanding from XXXX entity to the next for multiple loans totaling {$48000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased by {$10000.00} from {$3600.00} to {$13000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$16000.00} to {$18000.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1700.00} to {$1800.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$5200.00} to {$5900.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$2300.00} to {$2400.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$3400.00} to {$3600.00} *** These Student loans were from XXXX - XXXX over 32 years ago and the loans were bought and sold so many times and when the loan was forgiven US Dept of Education picked it up now attempting to make my life hard by damaging reports on my credit.
XXXX XXXX XXXX XXXX continues to report closed account from XXXX as open every month on all XXXX CRA 's account was closed and charged off XX/XX/XXXX amount {$5100.00} XXXX XXXX Reporting {$15000.00} on a closed account XXXX XXXX reporting ( XXXX ) accounts XXXX {$2700.00} and XXXX {$450.00} closed XXXX XXXX, XXXX
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11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the Account name and account number has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : A DISMISSED/DISCHARGED XXXX XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 7 YEARS FROM THE DATE FILED. A DISCHARGED XXXX XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 10 YEARS FROM THE DATE FILED. ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. PAID AS AGREED ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROM THE REPORTED DATE. Trade : XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ( Please DELETE ALL XXXX AND ANY OTHER EDUCATIONAL LOAN THAT YOU ARE REPORTING AS PAST DUE AND LATE PAYMENST- THIS IS INACCURATE INFORMATION THAT YOU ARE REPORTING PER THE FCRA YOU HAVE TO REMOVE ASAP ) THE FOLLOWING FIELDS HAVE BEEN MODIFIED : STATUS, TYPE OF ACCOUNT, CHARGE OFF AMOUNT, ACTUAL PAYMENT, SCHEDULED PAYMENT, CLOSED DATE, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU ( How was it verified please send verification source and Authentic signature if you can not provide per the FCRA you have to remove ASAP. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ACCOUNT HISTORY Trade : XXXX XXXX XXXX PLEASE BE ADVISED THAT ACCOUNT INCLUDED IN BANKRUPTCY DOES NOT REPORT ANY LATE PAYMENTS. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. ( THIS IS INACURATE INFORMATION- you have to remove late payment information you just stated that this account was included in bankruptcy that is derogatory information and according to the FCRA you have to remove ASAP ) THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. ( PLEASE REMOVE ANY LATE PAYMENTS ASSOSCIATED WITH XXXX XXXXXXXX- These are transactions and transactions can not be reported to credit reporting agencies as well as its inaccurate and derogatory and affecting my credit worthiness. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. ( Please provide the bankruptcy court that provided the information you cant because no court provided this- I spoke with PACER and they said that they do not report to credit reporting agencies- this is derogatory and inaccurate information that you are reporting- according to the FCRA you have to remove from my credit report ASAP ) THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION Public Record : Bankruptcy THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ( Back in the previous statement you said it has been deleted but the next statement you said its reporting correctly- this information is conflicting and should be removed ASAP its causing my credit worthiness to be questioned please remove ) XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ACCOUNT HISTORY ( PLEASE PROVIDE SOURCE VERIFIED WITH AND ANY SIGNATURES PROVIDED- FROM THE ORIGINAL SOURCE IF YOU CAN NOT PLEASE REMOVE FROM MY CREDIT REPORT ASAP. ) the below information they stated is not showing on my credit report, but I have requested for inquires associated with the below be removed and they are still showing attached to said accounts- I am requesting that all inquiries associated with any closed or account being reported as fraudulent and associated with information you said was not showing on my credit file be removed asap. ) NON REPORTING DISPUTES Trade : XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : US DEPT OF EDXXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ID : Current Address THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ID : Current Address THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Public Record : Bankruptcy THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX XXXX XXXXXXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : US DEPT OF EDXXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Public Record : Bankruptcy THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.
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02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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These are the accounts that are fraudulent reporting to my XXXX, XXXX XXXX and Equifax consumer reports I have exhausted all remedies I have sent him countless letters I have asked for verification Ive asked for validation none has been provided to me for the fraudulent accounts for the fraudulent inquiries fraudulent addresses there are over XXXX multiple addresses that are on my consumer report. All of them are fraudulent XXXX being reported by XXXX, Equifax and XXXX XXXX the consumer reporting agencies report this fraudulent information under 15 USC 1698 A ) ( 9 They are acting as financial institutions I have dated multiple FTC reports XXXX complaints as well as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl complaint nevertheless, XXXX, XXXX XXXX and Equifax continue to violate my rights via the FCRA. These are multiple multiple violations of 15 US code 1681b 15 US code 1692E 15 US code 1692C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to them multiple times asking them to clarify I have ask them to look into and validate and verify all of the things that are on my consumer report but continuously, they violate my rights they use my Social Security number they report things without permissible purpose they violate my privacy. Here is all of the things in which has been reported on my consumer report by XXXX first, you will see then XXXX XXXX, then Equifax, all of the fraudulent accounts that are negative that were committed by criminals and theyre reporting to my Consumer Reports. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt in response to your recent claim that the items listed in this report contains XXXX XXXX. And all UNAUTHORIZED INQUIRIES Yet again, you have failed to provide me with a copy of any viable evidence from these banks and the fraudulent use of my identity in connection with these items that you are reporting that you are reporting are a direct violation of FCRA Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXXifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. clerk looking at their computer screen, seeing my name listed in their database is NOT ( verification or validation ) of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of California Attorney General 's office, should you continue in your non-compliance 1I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to -CEASE and DESIST -of all illegal activities, including ( reporting which constitutes collection ) activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( Debt Collector Name = [ XXXX, Equifax, and XXXX XXXX ] into the ( FTC ) Federal Trade Commission XXXX, California, consumer protection and innovation, California state, Attorney Generals office, ( aggravated identity theft and Fraud. ) If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
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09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, XXXX, and Equifax continue to report inaccurate information.
XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$140.00} {$140.00} {$0.00} Payment Status : Late 120 Days Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
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11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth XX/XX/XXXX SS # XXXX I am submitting this complaint on my own free will and without the help of a third party. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY NON PUBLIC PERSONAL INFORMATION ) I DEMAND PROOF OF AUTHORITY THAT GAVE YOU PERMISSION TO REPORT INACCURATE AND FRAUDULENT ITEMS ON MY CONSUMER REPORT! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist!
If you're not the holder in due course you can not legally try to collect or enforce a claim against me. The law says that Under the UCC 3-302. HOLDER IN DUE COURSE. ( c ) Except to the extent a transferor or predecessor in interest has rights as a holder in due course, a person does not acquire rights of a holder in due course of an instrument taken ( i ) by legal process or by purchase in an execution, bankruptcy, or creditor 's sale!!
The information listed below, which appears on my consumer report, does not relate to any transaction ( s ) that I have made. I have a right to privacy according to the fcra, and your unauthorized reporting has violated that by furnishing non verified, fraudulent and inaccurate information. You do not have my permission to furnish any information on my consumer report in the first place. You are violating the fcra! YOUR COMPANY IS IN VIOLATION OF 18 U.S. Code 1028A - Aggravated identity theft because you knowingly obtained and used my non public personal identifying information without lawful authority.
Please provide the original contract of indebtedness ( with my original wet signature ) if indeed your claim is true. In addition, I would like for these companies to show legal documents proving they have the legal right to collect on the alleged debts in my state and city.
I DEMAND THE BELOW ACCOUNTS BE REMOVED IMMEDIATELY XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX The below information is being reported without my consent and without proof that these items even exist XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I DEMAND YOU PROVIDE ME WITH THE FOLLOWING .
1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal consumer file.
2. Provide a Certified copy of the full chain of assignments starting with the original creditor to any and every 3rd party collection company to present.
Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a Law Suit against you for harassment, Defamation of character, fraud, extortion, and invasion of privacy.
You have 15 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me with your agreement, in writing, that you are closing your file, Ceasing collecting activity, and deleting all information related to the above account reference numbers from any and all consumer reports youve furnished the information to specifically XXXX, Equifax, and XXXXI am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 15 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
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08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to raise a serious concern regarding unauthorized credit inquiries that have significantly impacted my financial well-being and personal peace of mind. I kindly request your intervention in enforcing my legal rights and addressing the violations that have occurred. These violations have not only disrupted my financial stability but have also caused emotional distress due to the ordeal I have endured.
My story starts with the unauthorized inquiries that have appeared on my credit report. The violations are as follows : XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violated Law : Consumer Financial Protection Act ( CFPA ) - Unfair, Deceptive, or Abusive Acts or Practices XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXXXXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry Incorrect Personal Information : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX This is not my name.
Delete it immediately from my report.
Violation : Incorrect personal information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
Violation : Incorrect previous address PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
Violation : Incorrect previous address ALSO KNOWN AS : XXXX XXXX XXXX This is not my name.
Delete it immediately from my report.
Violation : Incorrect personal information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
Violation : Incorrect previous address PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
Violation : Incorrect previous address The continuous presence of these unauthorized inquiries has severely affected my ability to secure loans and credit at reasonable terms. The emotional toll of constantly dealing with the ramifications of unauthorized inquiries on my credit report has been exhausting. These unauthorized inquiries have negatively impacted my sense of financial stability and security, causing undue stress and XXXX
My personal story reflects the profound impact these unauthorized inquiries have had on my life. The countless hours spent trying to correct misinformation and navigating the complex world of credit reporting have taken a toll on my emotional and mental well-being. These unauthorized inquiries have made me question the fairness of the system and have disrupted my financial goals and plans for the future.
In light of the violations and the personal toll they have taken, I respectfully request the following : Enforce Legal Rights : I urge the Consumer Financial Protection Bureau to take immediate and decisive action to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.
Investigation and Removal : I request a thorough investigation into each of the unauthorized inquiries listed above. If these inquiries can not be verified or justified, I kindly request their removal from my credit report as soon as possible.
Compensation : Considering the emotional distress and financial hardship these unauthorized inquiries have caused, I would appreciate the consideration of appropriate compensation for the ordeal I have endured.
I believe that the Consumer Financial Protection Bureau is a vital advocate for consumers like myself, and I am hopeful that your intervention will lead to a resolution of this distressing matter. I trust in the ability of your organization to ensure a fair and just outcome.
Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my financial peace of mind. Please feel free to contact me at XXXX or XXXX for any further information you might require.
Sincerely, XXXX XXXX XXXX
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04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS XXXX : XXXX Date of Birth : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report.
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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04/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
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Had a membership with Equifax, the advantage plan that offered daily Equifax report and score, no problems there. Equifax offers a 3-credit bureau report and score for {$29.00}. I had made use of this service without any problems, very useful service while I had some disputes going on with all bureaus do u relied on the service to provide the most up to date information. The nightmare started XX/XX/XXXX when I ordered a 3-credit bureau report and I got an error that the report couldnt be delivered and it provided XXXX number to call, I called and informed what happened, the rep informed me they were doing system maintenance/upgrades and that I wouldnt be billed for it. The charge posted XX/XX/XXXX to my XXXX credit card. I called and explained what happened, the rep issued credit and I should receive in 3-5 days. I asked about the maintenance they were doing and was informed systems are up and running now. On XX/XX/XXXX I tried to make use of the 3-credit bureau report and scores again, same message, followed instructions to call the same number given above, Im told by the rep to call later because they are doing maintenance. Called later that day explained what happened and was told if it didnt go thru, I shouldnt be charged. The charge posted XX/XX/XXXX. Called to let them know, refund was issued, on both transactions I was told itll take 3-5 business days. Few days past, and on. XXXX I was going thru my bills to make payments and I realized that these two refunds had not been issued. On XXXX I called to check the status of my refunds, the rep did not know what I was talking about. Apparently the refunds were not processed. Agent couldnt help so I asked to speak to supervisor. XXXX emp # XXXX tells me he cant give refunds because the reports were purchased online and he could see them from his end. I told him, yes of course they were purchased online, and told him what happened on both instances. He offered to send me two almost two weeks old reports, I told him that didnt make any sense when I had already gotten the report from another provider, why would I want him to send me old reports that I couldnt access when I needed them!! He then offered to escalate the call to technical support to see if they could check what went on that day, he then changed his mind, and told me he wasnt going to, I didnt understand the offer to help and then taking it back, this was very unfamiliar to me, very sudden change nit wanting to transfer me elsewhere if he was not willing to help. I told him I would dispute the charges with my credit card company. On XX/XX/XXXX I called because I had a {$17.00} charge for the membership I cancelled on XXXX, apparently the agent that cancelled duplicated the charge but then later I confirmed the charge had been issued. I inquired about the charges I had disputed with my credit card for XX/XX/XXXX and XX/XX/XXXX, rep XXXX emp # XXXX tells me those charges showed failed/voided I was taken back by that discovery and asked if he could send me copies of those receipts so I could show my credit card company since they have not been very helpful. I was given an email to XXXX to request the receipts. I sent an email with a copy of my charges posted as advised by XXXX and I got a case # XXXX. The next day XX/XX/XXXX I called to check on my inquiry and spoke to XXXX emp # XXXX who also told me the transactions showed failed/voided I gave him the case number for my request to send me the receipts and insisted on handling it myself and asked why they were holding that information from me. No response from agent, asked to speak to supervisor. Supervisor XXXX XXXX comes on the phone and I asked him if he remembered our conversation on XXXX, he denied. Explained the whole situation and asked him about the receipts so I could present to my credit card so I could resolved the disputes. He refused to assist me then went on to tell me that those charges were made online, I agreed and reminded him that I was not able to view them because Id their maintenance issues then. He then told me he had escalated my call back in XXXX but refused to tell me where the call was escalated to, and in addition to that he admitted he sent it XX/XX/XXXX, 5 days later!! I demanded to know where the dispute was sent and that why it has not been resolved. I told him I would not get off the phone until he told me the information. He then said he needed to escalate this call, I told him he had already used that deceitful lie before and that I had no intention on getting off the phone until I got to the bottom of it. Continued to refuse to tell me where he had sent the information, this guy was either hiding something or determined to continue to cover whatever he was covering. I told him I was recording the call and asked for the receipts two agents before him had told me the same information, he is refusing to do that, at this point, I dont even know what to think anymore. Different stories, no one is on the same page, why is this turning into?? I insisted on remaining on the phone and I was not giving up like the last time, he put me on hold to go talk to a colleague came back with a {$17.00} refund with conf # XXXX that billing dept issued and the remaining {$41.00} would be escalated, but Ive heard that before! I asked for the number to billing where he got the refund from and he stated they didnt have a billing dept after he was the one that told me!! We kept going back and forward about the rest of the refund but he kept putting on hold and trying to see what he could do after a while he came back with a {$41.00} refund with conf # XXXX. I asked him for the dept name, he said again it was billing and that they didnt have a number!!! I continued to inquire about the dept number and where he had sent my dispute back on XX/XX/XXXX from the XXXX conversation, he refused to provide info. He then proceeded to tell me that billing had cancelled the refunds. More of a reason to ask for their number, he continued to refuse information. I asked to speak to his colleague so he could confirm the information he was telling he. An agent called XXXX emp # XXXX got on the phone, the voice was the same as XXXX, I have my suspicion that he was impersonating another employee, unless we can confirm two different identities with the employee numbers provided. Soon after I spoke to XXXX the call was disconnected on their end.
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07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : Last Four-XXXX | DOB : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately if you are in violation. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Pursuant to 15 USC 1611 XXXX, XXXX, and Equifax, are criminally liable.
I'm bothered that you have incorporated the data beneath in my credit profile and that you have neglected to keep up sensible methods in your activities to guarantee the most extreme conceivable exactness in the credit reports you distribute. Credit announcing laws guarantee that agencies report just 100 % exact credit data. Each progression should be taken to guarantee the data detailed is totally precise and right. The accompanying data in this way should be re-researched.
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite my written requests, the unverified items listed below in my dispute letters as evidence still remains on my credit report in violation of Federal Law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you will be liable for your willful non-compliance.
I also enclosed the Letters that you Failed to Respond to.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of consumer credit information. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is an FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mix up one person 's information with another 's because of similar ( or the same ) last names or social security numbers. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable, and Invalidated I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
* Please remove all non-account holding inquiries This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Please note that you had 30 days to complete this investigation and you failed, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), If you can not verify the information within the 30-day time period, you must delete all of the disputed accounts from my report.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification.
Seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : Last Four-XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory Agency Division of Consumer Complaints Thank You, XXXX XXXX
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01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have an account on my credit report from XXXX and it is being reported on EQUIFAX. I do not recognize this account nor do I have an agreement with them.
This is improper and detrimentally hurting my lifestyle as well as receiving credit.Per 15 U.S. Code 1681,15 U.S. Code 6803,15 U.S. Code 6804, 15 U.S. Code 6805 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 6805 states that ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).
( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union
Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.
( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.
( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.
( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.
( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.
( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.
( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.
( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.
Most importantly I did not give this company written permission to publish this on my credit report. 15 U.S. Code 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
15 U.S. Code 1681s-2 ( a ), 15 U.S. Code 1681s-2 ( A ) 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
XXXX is reporting inaccurate and incorrect information on my credit report with them for several accounts and they are as follows : XXXX XXXX XXXX has a medical bill listed on this report as well in the amount of {$110.00} and it is showing as a collections account. The original creditor was XXXX XXXX XXXX who spoke to me and the insurance company multiple times and were told to rebill and refile so that they could receive payment from the insurance company. So why are they reporting this as a collection account when they were at fault and did not rebill or refile in a timely manner as they were told to do so multiple times by myself and the insurance company. This is their fault not mine but yet it is listed on my credit report as a collection item. I did reach out to XXXX XXXX XXXX who told me even if I pay it the item will remain and this is not right when I contacted them for over a year telling them to rebill and refile to receive their payment. I had insurance it is no reason for them to have listed this item on my credit report.
XXXX XXXXXXXX XXXX XXXXXXXX was included in my XXXX XXXX XXXX filed on XX/XX/XXXX and they also charged the item off and then turned around and reported me as being late and are still reporting me as being late when this is not the case at all. The amount is {$730.00}, and this account is also showing closed and has been closed since XX/XX/XXXX.
I am also trying to purchase a vehicle and the rule of thumb is that your credit report can be run for 30 days without impacting your score and this has not been the case either. I currently have a total of XXXX hard inquiries on my credit report that have also affected and impacted my score significantly as of XX/XX/XXXX.
Equifax is reporting inaccurate and incorrect information on my credit report with them for several accounts and they are as follows : XXXX XXXX XXXX has a medical bill listed on this report as well in the amount of {$110.00} and it is showing as a collections account. The original creditor was XXXX XXXX XXXX who spoke to me and the insurance company multiple times and were told to rebill and refile so that they could receive payment from the insurance company. So why are they reporting this as a collection account when they were at fault and did not rebill or refile in a timely manner as they were told to do so multiple times by myself and the insurance company. This is their fault not mine but yet it is listed on my credit report as a collection item. I did reach out to XXXX XXXX XXXX who told me even if I pay it the item will remain and this is not right when I contacted them for over a year telling them to rebill and refile to receive their payment. I had insurance it is no reason for them to have listed this item on my credit report.
XXXX XXXX XXXX XXXX was included in my XXXX XXXX XXXX filed on XX/XX/XXXX and they also charged the item off and then turned around and reported me as being late and are still reporting me as being late when this is not the case at all. The amount is {$730.00}, and this account is also showing closed and has been closed since XX/XX/XXXX.
XXXX XXXX XXXX XXXX needs to be updated to reflect that it was included in my XXXX XXXX XXXX as of XX/XX/XXXX and this item is not late as is being reported on my XXXX Credit Report. It is reporting me XXXX days late when this is not the case, and the account also says closed, and they have not been reporting late payments every month either. They have reported me late a total of 7 times since I filed and included them in my XXXX XXXX XXXX as of XX/XX/XXXX with a balance of {$5800.00}.
This account was closed as of XX/XX/XXXX so how are they reporting me as being late with payments and a remaining balance on a closed account? They also received a payment in the amount of {$16000.00}.
I am also trying to purchase a vehicle and the rule of thumb is that your credit report can be run for 30 days without impacting your score and this has not been the case either. I currently have a total of XXXX hard inquiries on my credit report that have also affected and impacted my score significantly as of XX/XX/XXXX.
XXXX is reporting inaccurate and incorrect information on my credit report with them for several accounts and they are as follows : XXXX XXXX XXXX has a medical bill listed on this report as well in the amount of {$110.00} and it is showing as a collections account. The original creditor was XXXX XXXX XXXX who spoke to me and the insurance company multiple times and were told to rebill and refile so that they could receive payment from the insurance company. So why are they reporting this as a collection account when they were at fault and did not rebill or refile in a timely manner as they were told to do so multiple times by myself and the insurance company. This is their fault not mine but yet it is listed on my credit report as a collection item. I did reach out to XXXX XXXX XXXX who told me even if I pay it the item will remain and this is not right when I contacted them for over a year telling them to rebill and refile to receive their payment. I had insurance it is no reason for them to have listed this item on my credit report.
XXXX XXXX XXXX XXXX was included in my XXXX XXXX XXXX filed on XX/XX/XXXX and they also charged the item off and then turned around and reported me as being late and are still reporting me as being late when this is not the case at all. The amount is {$730.00}, and this account is also showing closed and has been closed since XX/XX/XXXX.
XXXX XXXX XXXX XXXX needs to be updated to reflect that it was included in my XXXX XXXX XXXX as of XX/XX/XXXX and this item is not late as is being reported on my XXXX Credit Report. It is reporting me XXXX days late when this is not the case, and the account also says closed, and they have not been reporting late payments every month either. They have reported me late a total of 7 times since I filed and included them in my XXXX XXXX XXXX as of XX/XX/XXXX with a balance of {$5800.00}.
This account was closed as of XX/XX/XXXX so how are they reporting me as being late with payments and a remaining balance on a closed account? They also received a payment in the amount of {$16000.00}.
I also want all of the hard inquiries updated as well on my credit report that has also affected and impacted my score significantly as of XX/XX/XXXX.
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04/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX. APT # XXXX XXXX Ga XXXX Date of Mailing : XX/XX/2021 Equifax XXXX. XXXX XXXX XXXX Ga, XXXX Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement per inquiry that is found not validated under 15 U.S. Code 1692g - Validation of debts and under lawful definition of Verification which is A formal declaration made in the presence of an authorized officer, such as a notary public, under oath, or upon the penalty of perjury.
To Equifax : You are in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code 1681 - Congressional findings and statement of purpose under the Fair Credit Reporting Act ( FCRA ). ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING. For unlawfully obtaining information alleged to be mine onto my Consumer report on [ date ] without my authorization or A permissible purpose under the FCRA. See 15 U.S.C 1681b - Permissible purposes of consumer reports. ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Specifically, the FCRA provides A person shall not use or obtain a consumer report for any purpose Unless- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report Through a general or specific certification. I have not initiated any transaction with [ Any of the furnished companies/entities on my consumer report ]. Further, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with [ Any of the furnished companies/entities on my consumer report ] For review or collection.
Furthermore, under the FCRA. Any person who knowingly and willfully obtains information on a consumer report Without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}.
( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees. 15 U.S.C 1681m ( a ). Also, any laws under the FCRA that Equifax fails to follow is a violation and can be compensated for according to 15 U.S Code 1692k Civil Liability. According to my consumer report from Equifax, I find several violations on my consume report and upon my consumer rights. Because of the findings of these violations within my consumer report from Equifax. I Demand deletion of all furnishings from my consumer report. As they are violations upon my consumers right to privacy as referenced to in 15 U.S. Code 1681 - Congressional findings and statement of purpose. Also, according to 15 U.S.C 1681b - Permissible purposes of consumer reports. I XXXX XXXX the Consumer never gave Equifax any written instruction to furnish anything on my consumer report, no consent is identity Theft. If Equifax feels that the alleged furnishings are indeed accurate. I request Validation and Verification of all alleged furnishings on my consumer report from Equifax. The validation of these furnishings must follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( c ) ADMISSION OF LIABILITY- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. My request for validation and verification of the alleged furnishings from Equifax should not only follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts. But also, under lawful definition of Verification. That definition of Verification is A formal declaration made in the presence of an authorized officer, such as a notary public, under oath, or upon the penalty of perjury. A response from an " office executive '' in an Affidavit of Truth under the penalty of perjury validating and verifying all furnishings on my consumer report from Equifax will suffice. If these alleged furnishings that have been furnished on my consumer report can not be validated and verified in accordance with 15 U.S. Code 1692g - Validation of debts, and in declaration under oath or upon the penalty of perjury in an Affidavit of Truth. Again, I Demand Deletion and Removal of all furnishings from my consumer report as it would be proven that the furnishings are indeed inaccurate and incorrect.
For the sake of the judicial economy, I am willing to settle this matter without any admitted liability.
I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist furnishing alleged injuries from companies and entities I am assumed to have any dealings with.
( 2 ) pay me {$1000.00} for Every Deleted Furnishing and deliver it to my address above within 14 days of receiving this demand.
Please advise that I am prepared to litigate this matter if you do not comply with this demand.
Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein.
Sincerely, XXXX : XXXX Date Of Birth : XXXX/XXXX/199
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11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX have violated my rights .
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no prdeleted and completely removed from my credit report and a copy of such deletion { to ovided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ive sent out letter to each of my credit bureau to check to make sure everything on my credit report are accurate and consistent they responded saying everything XXXX XXXX but when I go check my report their still are inconsistencies I wield like all these accounts to be removed from my credit report.
I demand the following accounts be verified or removed immediately.
Name of Account Account XXXX XXXX XXXX XXXX Cancel contract. Please provide original or delete XXXX XXXX Cancel contract. Please provide original or delete XXXXXXXX XXXX XXXX XXXX Cancel contract. Please provide original or delete XXXX XXXX XXXXXXXX Cancel contract. Please provide original or delete XXXX XXXX Cancel contract. Please provide original or delete XXXX XXXXXXXX Cancel contract. Please provide original or delete these are all the accounts with inconsistencies I would like them to be removed fro my credit report.
XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2000.00} {$0.00} {$1400.00} Credit Limit : {$1500.00} {$1500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
Sold to : XXXX XXXX XXXX.
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2800.00} {$2800.00} {$2800.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2800.00} {$0.00} {$1900.00} Credit Limit : {$2800.00} {$2500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor.
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$550.00} {$550.00} {$550.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$550.00} {$0.00} {$550.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$550.00} {$550.00} {$550.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Equifax Account # : XXXX Account Type : Collection Account Type - Detail : Collection XXXXXXXX XXXX : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$3300.00} No. of Months ( terms ) : - High Credit : {$2800.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber.
Date Last Active : XX/XX/XXXX Date of Last Payment : - XXXX XXXX ( Original Creditor : T XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX XXXX : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$270.00} {$270.00} No. of Months ( terms ) : - - High Credit : {$270.00} {$270.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber.
Consumer disputes this account information Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$990.00} {$0.00} {$990.00} XXXX XXXX : {$700.00} {$700.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance.
Account legally paid in full for less than the full balance.
Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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03/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
On or about XX/XX/XXXX, I requested a free annual credit report to look into my credit file. The Equifax report showed multiple inaccuracies, as well as information that could not be validated that I have attempted to resolve several times with the Equifax Credit Bureau without success.
The first inaccuracy is with an organization known as XXXX XXXX. I have also filed a cfpb complaint against XXXX XXXX ( report # XXXX ) submitted XX/XX/XXXX, due to this organization attempting to collect a debt that is not owed to them. They have yet to respond to the cfpb complaint. In addition to the requested validation of this tradeline on my Equifax report that Equifax and the creditor has refused to provide, I made Equifax aware that this organization is in violation of 3 State laws in attempting to collect this debt and in their reporting to my files maintained by their organization. XXXX XXXX is in violation of the Texas Finance Code 392.101, Texas Debt Collection Practices Act, as well as the Texas Deceptive Trade Practices Act, which I provided to Equifax and is attached to this compliant. In summary, Texas Finance Code 392.101 clearly states that any organization attempting to collect debt from consumers that reside in the State of Texas must have a {$10000.00} Surety Bond and have proof of such bond on file with the Texas Secretary of State. XXXX XXXX does not have the required surety bond and is therefore in violation and can not legally collect this debt. Searches for the company name in any and all variations on the Texas Secretary of States ' website available for this purpose are attached to this complaint. Reporting negative information to my credit bureau file with Equifax is considered debt collection activity per the Act. Even though Equifax was made aware of the applicable laws this organization is violating, the item remains on my credit bureau file and they have sent correspondence of their refusal to investigate this violation.
The second inaccuracy is with an organization known as XXXX XXXX XXXX. I have also filed a cfpb complaint against XXXX XXXX XXXX ( report # XXXX ) submitted XX/XX/XXXX due to this organization attempting to collect a debt that is not owed to them. They have yet to respond to the cfpb complaint. In addition to the requested validation of this account that Equifax and the organization itself has not provided, I made them aware that this organization is also in violation of 3 State laws in attempting to collect this debt and in their reporting to my Equifax credit bureau file. XXXX XXXX XXXX is also in violation of the Texas Finance Code 392.101, the Texas Debt Collection Practices Act, as well as the Texas Deceptive Trade Practices Act, which I provided to Equifax and is attached to this complaint. Per Texas Finance Code 392.101, and the Texas Business and Commerce Code, any violation of Texas Finance Code 392.101 is automatically a violation of the Texas Deceptive Trade Practices Act. XXXX XXXX XXXX does not have the required surety bond on file with the State of Texas ' Secretary of State, and is therefore in violation and can not legally collect this debt. Searches for the company name in any and all variations on the Texas Secretary of States ' website established for this purpose are attached to this complaint. Reporting to my credit bureau file with Equifax is considered debt collection activity per the Act. Even though Equifax was made aware of the applicable laws this organization is violating, the item remains on my credit bureau file.
The third item is a dismissed Chapter XXXX Bankruptcy that appears on my Equifax credit bureau file that can not be validated with the original source. According to the FCRA, items must be validated with the original source of information. Federal law, US Bankruptcy Court policy and procedure, as well as Privacy Laws that protect this sensitive and partially confidential information keep this item from being properly validated per the FCRA. Additionally, I have a letter from the US Bankruptcy Court that confirms and clearly states that they DO NOT validate, verify, attest to the accuracy or inaccuracy of information reported by consumer reporting agencies to include specifically Credit Bureaus. In short, the US Bankruptcy Court in all 50 States do not furnish information to credit bureaus ... period. This letter is attached to this complaint. The FCRA does provide laws that govern the reporting of discharged Bankruptcies, but does not however address dismissed items. Absent the law, Equifax does not get to create their own and continue reporting this invalidated information on my credit bureau file. Additionally, any item that has been dismissed by any US Court, criminal or otherwise is deemed to not exist. Why a dismissed item that can not be validated with the original source of information remains on my Equifax credit bureau report still remains a mystery.
On my credit report with Equifax, they list a third party known as XXXX that allegedly provided this information to Equifax. I requested my consumer report from XXXX only to see that Equifax was NOT, nor have they ever been a requester of my information. The question then becomes, if Equifax has not requested this information from XXXX, how has this alleged information been validated? I have attached the portion of the XXXX report that shows any and all organizations that requested my consumer file that they maintain under my social security number ; to this complaint, and Equifax does not appear as having requested any information.
Additionally, I had any and all information that is maintained under my social security number with XXXX frozen in XXXX of XXXX. Additionally, I exercised my legal right to opt out of XXXX providing any and all information to anyone anywhere in XXXX of XXXX. Confirmation of this is also attached to this complaint.
In summary ; the issues are : Equifax is refusing to delete inaccurate, unvalidated as well as information from organizations that are in violation of the laws of the State of Texas from my credit bureau file. These actions are unlawful as well as unfair, and are damaging to my reputation as well as my ability to live a full life for myself and my minor children. These inaccuracies have caused me to be denied credit, as well as have the potential for me to be denied other God given rights afforded to me.
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11/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
Equifax, XXXX and XXXX continue to disregard the Federal Laws for Identity Theft. They allowed this company XXXX XXXX AKA XXXX XXXX XXXX to come back under a different name and they added this back onto my report under a different name XXXX. I have never attended college nor have I taken a loan for someone. XXXX is another issue that continues to keep popping up. I am XXXX years old and I have NEVER attended college. Someone is using my identity to get over on others. Under federal laws, they were to notify me within 5 days and they didn't. I am a victim of identity theft and they aren't clearly following the law. I should not have to continue to be harassed or afraid that someone has all of my information. by these fraudulent accounts as well as someone stealing my social security checks. If this isn't removed within 3 business days from XX/XX/2018, I will be pursuing a lawsuit against all 3 credit bureaus. Because of their breach, they are allowing these fraudulent transactions to continue to harass victims like me. I have included my identity theft report because they aren't hearing that I am a victim of identity theft. Not only have these criminals taken over my credit report and personal information but they also stole my social security checks as well. This is not my account and I need for it to be removed immediately. This is not fair to me and other identity theft victims. CFPB please look into this immediately. I contacted Equifax regarding this and they assured me that this would be removed but it hasn't and right now I can't trust anything they say. a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Attachments XXXX ( 2.5 MB ) XXXX XXXX XXXX XXXX XXXX ( 113.8 KB )
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07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. XXXX Account Number : XXXXXXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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12/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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In XX/XX/XXXX, my XXXX VISA credit card account information was stolen. Thereafter, I filed a police report and, as an added security precaution, I placed an initial fraud alert, an extended fraud alert and a security freeze on my Equifax credit file. The extended fraud alert request was valid through XX/XX/XXXX.
In XX/XX/XXXX, prior to the expiration of the extended fraud alert, I completed and submitted to Equifax an Extended Fraud Alert Request Form ( found on the Equifax website ), to which I attached a cover letter explaining the paperwork was for the purpose of extending an existing fraud alert from XX/XX/XXXX, a copy of the original police report ( dated XX/XX/XXXX ) and the documentation I was instructed to include for purposes of identity verification.
On XX/XX/XXXX, I received a telephone call from XXXX XXXX, with the XXXX XXXX XXXX Credit Bureau Fraud Operations Department ( XXXX x XXXX ). XXXX called to tell me that XXXX had received a fraud notification from Equifax and she wanted to verify some information with me. I informed her that there had been no new fraudulent activity on my XXXX account ( the account had been transitioned from a VISA to a MasterCard during the ensuing 24 months ) since the original report in XX/XX/XXXX and I advised her that the paperwork I had sent to Equifax just a few days before was simply an extension of the fraud alert Equifax already had on file because the original fraud alert was due to expire in XX/XX/XXXX. XXXX told me that she would make Equifax aware of the situation and would release any hold or dispute on the account as it was still open and in good standing. After receiving the call from XXXX XXXX, I thought it prudent to send another letter to Equifax, repeating what I had told her. That letter was dated XX/XX/XXXX.
A few days later, I received a letter from Equifax ( dated XX/XX/XXXX ) stating that Equifax would not block the information subject to the police report I had mailed in and that XXXX would be contacted directly to verify the account. This is the action which resulted in the telephone call to me from XXXX XXXX from XXXX. XXXX XXXX notified Equifax electronically of her verification of my account ( no new fraudulent activity ; account open and in good standing since XX/XX/XXXX ; extension of fraud alert request only ) when I spoke with her on XX/XX/XXXX.
Moving forward from XX/XX/XXXX t
o XX/XX/XXXX, there was no events to report, as I was under the mistaken impression that all was well between Equifax, XXXX and myself. However, nothing could have been further from the truth. On XX/XX/XXXX, I requested a copy of my Equifax credit report and, immediately upon receipt, I discovered that my XXXX credit card account was not listed. On XX/XX/XXXX, I submitted an online dispute request related to this error. Equifax subsequently informed me that they deleted my tradeline with XXXX in XX/XX/XXXX because I had reported the account as disputed for fraud. Despite my numerous assurances to Equifax that there had been no further fraudulent activity on my account nor any fraud dispute since the original report in XX/XX/XXXX and that I was simply extending an existing alert, Equifax has refused to take any further action on my behalf to correct their error. In a final attempt to resolve the situation myself, I wrote a personal letter to XXXX XXXX. XXXX, the Chief Executive Officer of Equifax. The shipping company verified delivery of my letter to his office on XX/XX/XXXX, but I have had no response from him or his representative.
After the investiture of numerous hours and countless telephone calls to both Equifax and XXXX, my investigation has revealed to me the simple truth that Equifax incorrectly processed the Extended Fraud Alert Request Form I submitted in XX/XX/XXXX by processing it as a new instance of fraud instead of the renewal of an existing fraud alert and arbitrarily deleted my tradeline with XXXX on or about XX/XX/XXXX, without my knowledge or permission and without just cause or reason. XXXX has categorically informed me that this error lies with Equifax and, while they are continuing to transmit my account data to Equifax each month, Equifax has blocked it and it is therefore not being accurately and completely reported, nor has it been for approximately 17 months, due to Equifaxs deliberate refusal to correct their error.
This error was not my doing but I have been its financial victim. In XX/XX/XXXX, prior to Equifaxs arbitrary deletion of my tradeline with XXXX, my credit score was XXXX and today, it is XXXX. I had wondered why this 48 point drop had occurred, but now I know why and I need your kind assistance in directing Equifax to remove the block and restore the tradeline ( retroactive to XX/XX/XXXX ), so that my credit score may rise back to the level I have spent many decades earning. I would then respectfully request a copy of my updated Equifax credit report accurately reflecting my XXXX account, a current FICO score reflecting the restoration of the tradeline between Equifax and my XXXX credit card account and written confirmation from Equifax that each of these requests have been completed in their entirety.
In conclusion, I would like to add that I also placed identical alerts and freezes on my XXXX and XXXX credit files in the summer of XX/XX/XXXX when the sole incident of fraud originally occurred. In XX/XX/XXXX, I also completed and submitted the extension request forms and supplemental documentation required by both XXXX and XXXX for the same purpose and both XXXX and XXXX processed my extension request forms correctly.
Up to this point, I have exhausted all means of resolution at my disposal of which I am aware and my appeal to your agency is what I am concerned may be the final option available to me. I am hopefully confidant that your agency, as the governmental regulator of the credit reporting agencies and the enforcer of the Fair Credit Reporting Act, will be able to assist me in resolving this grave error by Equifax so that my excellent credit rating may be restored to its proper level. I have in my possession photocopies of all of the forms and correspondence referred to herein and I am happy to answer any questions or provide any of those documents to support my complaint should your agency request or require it.
Your kind assistance is most appreciated.
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01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX XXXX XXXX XXXX XXXX
Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi, I am writing to notify of Unfair and Deceptive business practices by XXXX XXXX XXXX. XXXX XXXX XXXX reported to credit bureau having made no diligent efforts to notify me of late payments. Basic outline is below : XX/XX/XXXX - My loan for a purchase of secondary home was sold from XXXX XXXX to XXXX XXXX XXXX. On XX/XX/XXXX I went to XXXX website to set up account and automatic payments ( like I do for all recurring debt ). I made an attempt to set up automatic payment twice. To my knowledge all was set.
XX/XX/XXXX - While pursuing an investment a lender pulled my credit to verify qualification for loan. Upon credit review I was told I did not qualify due to poor credit. The loan originator informed me there was a past due mortgage from XXXX XXXX XXXX or 3 months.
XX/XX/XXXX - Upon finding out this issue I immediately called XXXX XXXX XXXX to pursue clarification of the issue. I was told that my automatic payment was denied due to an incorrect routing number from XXXX XXXX. I do not have a XXXX XXXX account, nor would I have any way of knowing a XXXX routing number. I use same information for all auto payments since I was XXXX years old ( now XXXX ).
XX/XX/XXXX - I made immediate payment of debt owed + late penalty.
The above are specific dates I have for begining of process. There have been so many calls and attempts at resolution since that I do not have specific record without combing my call records. Below is outline of what followed in my attempts to resolve : -I asked for an explanation of why I was never notified of my auto payment being denied.
-While on these early stage ( and multiple ) phone calls XXXX XXXX XXXX phone systems were down. I was disconnected multiple times and could not understand what was being said to me over the phone. This was incredibly frustrating given magnitude of issue.
-I spoke with a " manager '' named XXXX XXXX She told me I entered wrong routing number. I asked why was I not notified. I did not receive an answer until 1-2 days later.
-Wendy informed me per records I attempted set up twice ( I believe once online and once over phone late XXXX XXXX.
-Wendy then told me a notice was sent in the mail on XX/XX/XXXX. As one may recall, this was the week of the presidential election where vasts amount of mail were lost due to USPS logistical issues.
-Wendy also informed me that I would have only received a telephone call to notify me of late payments from a computer automated system ... which on my phone shows up as SPAM RISK and also leaving no message.
-Wendy confirmed on recorded line she would not answer such calls either.
With no success of resolution through XXXX, I pursued higher level assistance. I was put in contact with the " Executive Office '', and two woman named XXXX and XXXX : XXXX informed me of the same information previously given that account was set up multiple times in XXXX, but it was denied and a general notice was sent in mail followed by SPAM RISK phone calls.
-I made every effort to show in good faith that I was by no means avoiding payment of the loan, to the contrary I ACTIVELY tried to establish payment. And, upon finding out payment was late the first call I made was to XXXX to pay all outstanding debt + an incurred penalty.
XXXX XXXXold me there was nothing she could do and she was LEGALLY bound to report late payments to credit bureaus.
-My understanding is credit reporting is discretionary based on company policy, not legal grounds.
-I was then contacted by XXXX XXXX
-Upon review of my Mortgage Note it clearly states that any NOTICE must be sent by XXXX Bank via First Class Mail, not standard mail. XXXX verified the notice was in fact sent by standard mail not First Class.
-Because XXXX Bank did not follow protocol of Note, they breached the contract and thereby have no grounds to report me for late payments.
-It is my firm belief if the Notice of Automatic Payment Denial was sent per contract guidelines of First Class Mail it would not have been lost by USPS and I would have received and taken immediate and appropriate action, as I did on XX/XX/XXXX.
-XXXX also confirmed the phone calls to " notify me '' were made by computer automated system that showed up as SPAM RISK ( she blamed it on my phone service carrier/XXXX XXXX ). She also verified they left no messages.
With such little assistance, I reached out to the CEO of XXXX XXXX XXXX, XXXX XXXX. He has not replied to my inquiries or offered any assistance.
Through the process of trying to resolve this issue I feel as though XXXX XXXX XXXX treated me unfairly and acted in a very deceptive manner. Their deception led to late payment penalties which they financially benefited from.
In addition, the opportunity cost of me missing out on an investment opportunity has cost me well over {$100000.00} in my estimate. After working my adult life as a XXXX XXXX and never missing a payment for any of the 5 properties I own, I was able to build a credit score of over 800. Since XXXX XXXX unfairly reported me to credit bureau I now have a credit score of XXXX. This has eliminated all possibility of me securing a personal loan to purchase investment ( my livelihood ). I am not supporting a family with a toddler and newborn at home, an there is nothing I can proactively do to better position us for the future all because of deceptive practice by XXXX XXXX XXXX.
In the interim since this began, I spoke with a credit assistance professional. He completely agreed to my position and that XXXX XXXX did not make any diligent efforts to notify me.
In conclusion : Sending a letter during presidential election week with USPS on headline news for continued issues ( i.e. mail in ballot overloading system, potential bankruptcy ; etc ), and secondary to that only contacting me via computer automated system ( SPAM RISK ) with no messages left ... was by no means fair business practice. The punishment of my credit being destroyed does not fit the crime.
I have also sought out legal representation and am working to create a suit that will also pursue damages for opportunity lost due to actions of XXXX XXXX XXXX. This is only a road I truly want to go down if XXXX XXXX XXXX continues to not do what is fair and notify credit bureaus that late payment was due to lack of diligence on their part and breach of the Note agreement ( First Class Mail ).
|
11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
In XXXX of XXXX I sent in my dispute to XXXX, Equifax, and XXXX regarding the violation of my rights. Specifically, 15 U.S.C. 1681B which states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 which states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. I received a response from the consumer reporting agencies that the information that they had reported was verified. The consumer reporting agency made not effort to describe how this information was investigated and has since continued to promote false and inaccurate information on my consumer report. For example, in XX/XX/XXXX XXXX XXXX provided me with false and inaccurate information after being notified that the information they were reporting was incorrect and in dispute. XXXX XXXX account number XXXX has continued to violate 15 U.S.C. 1681B which states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. XXXX XXXX has never obtained my consent to provide and report my information and these actions have had an adverse and negative affect on me. XXXX XXXX also did not follow proper protocol with regards to the repossession and the sale of the vehicle. XXXX XXXX sold the vehicle and never provided me with the required information regarding the sale nor the required 1099c. They did not report accurate balances, payment dates, sale dates, and they have continued to violate my rights regarding the reporting of this account and I demand that this account be immediately DELETED from my consumer report.
Another account that has consistently been in violation is XXXX XXXX account numbers : XXXX and numbers XXXX. I disputed these accounts in XX/XX/XXXX and XXXX XXXX has since made no efforts to correct their violations. As mentioned before, 15 U.S.C. 1681B states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. This agency has reported information in violation of these laws. They have reported inaccurate balances, inaccurate dates, inaccurate payment histories and this has consistently harmed my credit worthiness. I am NOW seeking the immediate DELETION of both of these accounts from XXXX XXXX immediately from my consumer report.
Another account that I reported in XX/XX/XXXX that has not been resolved and is consistently violating my rights is XXXX XXXX account XXXX. This company has also violated 15 U.S.C. 1681B and also 15 U.S. Code 1692c. The fair credit reporting act grants me the right to privacy and also requires my written consent for reporting information. This account has consistently violated these rights since XX/XX/XXXX. XXXX XXXX has no reported balance on my credit profile. I have NO Business with this company. This company has fraudulently misused my information and has been negatively impacting my creditworthiness. LoanMe is not tied to any open account and I have notified them that their information is in dispute and inaccurate. Their continued promotion of this negative information while knowing it is inaccurate is a violation of the fair credit reporting act and is Fraud. I am NOW demanding the immediate removal and DELETION of XXXX from my consumer report.
XXXX XXXX XXXX XXXX with account number XXXX is another account that has consistently been in violation. XXXX XXXX XXXX XXXX has not reported accurate balances, payment dates, and they have never provided me with the necessary documentation regarding the repossession and sale of an automobile. The tax code states that the sale of a vehicle is reported as income and thus requires a 1099c. XXXX XXXX has never provided me with a 1099c. They sold the vehicle, profited the money, and incorrectly reported it to the reporting agencies, all while failing to provide me with proper documentation. Recently they hired a collection agency that has continued their inaccurate reporting and I am demanding that it STOP. This account and the reporting of it is in violation of the laws of the FCRA listed above relating to consent and privacy. The reporting agencies have failed to show how this account was verified. How did they conduct their investigation? How did they verify the balances? I provided documents in XX/XX/XXXX showing the inaccuracies on the reports but those documents were ignored. FCRA prohibits the reporting of information when they have been given reason to believe that it is inaccurate 15 U.S.C. 1681S. I provided reasonable cause to the reporting agency and they have consistently violated my rights. Now I am DEMANDING that XXXXXXXX XXXX XXXX XXXX be IMMEDIATELY DELETED from my consumer report so that no further harm to my creditworthiness is done.
The final account that I disputed in XX/XX/XXXX that was not resolved was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. This account has also violated 15 U.S.C. 1681A, 15 U.S.C. 1681B, 15 U.S.C. 1681S, and 15 U.S. Code 1692c. XXXX has not reported accurate balances, payment history, dates of sale. And Neither have they provided me with accurate documents regarding when they repossessed the vehicle and when they sold it. XXXX also failed to follow the tax code and provide me with a 1099c after the sale of the vehicle. I contacted XXXX and put them on notice that their information is inaccurate and in violation of the fair credit reporting act and they have since done nothing. I am NOW DEMANDING that this account be IMMEDIATELY DELETED. The Fair Credit Reporting Act is designed to ensure accuracy and fairness in credit reporting. Because Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C. 1681 602. Unfortunately this reporting agency has failed to honor the law and has not provided fairness and impartiality. They have consistently failed to respected my rights to privacy under the law. Therefore, I am NOW DEMANDING the IMMEDIATE DELETION of all accounts listed above.
|
04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Here is a list of accounts that you claimed were verified Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
In XXXX of XXXX I sent in my dispute to XXXX, Equifax, and XXXX regarding the violation of my rights. Specifically, 15 U.S.C. 1681B which states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 which states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. I received a response from the consumer reporting agencies that the information that they had reported was verified. The consumer reporting agency made not effort to describe how this information was investigated and has since continued to promote false and inaccurate information on my consumer report. For example, in XX/XX/XXXX XXXX XXXX provided me with false and inaccurate information after being notified that the information they were reporting was incorrect and in dispute. XXXXXXXX XXXX account number XXXX has continued to violate 15 U.S.C. 1681B which states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. XXXX XXXX has never obtained my consent to provide and report my information and these actions have had an adverse and negative affect on me. XXXX XXXX also did not follow proper protocol with regards to the repossession and the sale of the vehicle. XXXX XXXX sold the vehicle and never provided me with the required information regarding the sale nor the required 1099c. They did not report accurate balances, payment dates, sale dates, and they have continued to violate my rights regarding the reporting of this account and I demand that this account be immediately DELETED from my consumer report. Another account that has consistently been in violation is XXXX CARD account numbers : XXXX and numbers XXXX. I disputed these accounts in XX/XX/XXXX and XXXX XXXX has since made no efforts to correct their violations. As mentioned before, 15 U.S.C. 1681B states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. This agency has reported information in violation of these laws. They have reported inaccurate balances, inaccurate dates, inaccurate payment histories and this has consistently harmed my credit worthiness. I am NOW seeking the immediate DELETION of both of these accounts from XXXX Card immediately from my consumer report. Another account that I reported in XX/XX/XXXX that has not been resolved and is consistently violating my rights is XXXX XXXX account XXXX. This company has also violated 15 U.S.C. 1681B and also 15 U.S. Code 1692c. The fair credit reporting act grants me the right to privacy and also requires my written consent for reporting information. This account has consistently violated these rights since XX/XX/XXXX. XXXX XXXX has no reported balance on my credit profile. I have NO Business with this company. This company has fraudulently misused my information and has been negatively impacting my creditworthinessXXXX XXXX is not tied to any open account and I have notified them that their information is in dispute and inaccurate. Their continued promotion of this negative information while knowing it is inaccurate is a violation of the fair credit reporting act and is Fraud. I am NOW demanding the immediate removal and DELETION of XXXX from my consumer report. XXXX XXXX XXXX XXXX with account number XXXX is another account that has consistently been in violation. XXXXXXXX XXXX XXXX XXXX has not reported accurate balances, payment dates, and they have never provided me with the necessary documentation regarding the repossession and sale of an automobile. The tax code states that the sale of a vehicle is reported as income and thus requires a 1099c. XXXX XXXX has never provided me with a 1099c. They sold the vehicle, profited the money, and incorrectly reported it to the reporting agencies, all while failing to provide me with proper documentation. Recently they hired a collection agency that has continued their inaccurate reporting and I am demanding that it STOP. This account and the reporting of it is in violation of the laws of the FCRA listed above relating to consent and privacy. The reporting agencies have failed to show how this account was verified. How did they conduct their investigation? How did they verify the balances? I provided documents in XX/XX/XXXX showing the inaccuracies on the reports but those documents were ignored. FCRA prohibits the reporting of information when they have been given reason to believe that it is inaccurate 15 U.S.C. 1681S. I provided reasonable cause to the reporting agency and they have consistently violated my rights. Now I am DEMANDING that XXXX XXXX XXXX XXXX be IMMEDIATELY DELETED from my consumer report so that no further harm to my creditworthiness is done. The final account that I disputed in XX/XX/XXXX that was not resolved was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. This account has also violated XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, and XXXX XXXX XXXX XXXX. XXXX has not reported accurate balances, payment history, dates of sale. And Neither have they provided me with accurate documents regarding when they repossessed the vehicle and when they sold it. XXXX also failed to follow the tax code and provide me with a XXXX after the sale of the vehicle. I contacted XXXX and put them on notice that their information is inaccurate and in violation of the fair credit reporting act and they have since done nothing. I am NOW DEMANDING that this account be IMMEDIATELY DELETED. The Fair Credit Reporting Act is designed to ensure accuracy and fairness in credit reporting. Because Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C. 1681 602. Unfortunately this reporting agency has failed to honor the law and has not provided fairness and impartiality. They have consistently failed to respected my rights to privacy under the law. Therefore, I am NOW DEMANDING the IMMEDIATE DELETION of all accounts listed above.
|
07/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
These inquires listed below should not be on my credit report. These were not authorized and I have attached emails from car dealerships requesting them not to share my credit with certain banks. Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Wells XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Friendly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Gm XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
On XXXX XX/XX/XXXX I filed CFPB complaint XXXX regarding Equifax handling of a false/misleading/inaccurate account/tradeline. It is/was XXXX of dozens I have filed regarding this account over the past two ( 2 ) years. Equifax responded to XXXX on XXXX XX/XX/XXXX, once again claiming to have conducted a re-investigation and provided results for account/tradelines that contained information for additional accounts not disputed : " ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED XXXX YEARS FROM THE DATE OF FIRST DELINQUENCY. PAID AS AGREED ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED XXXX YEARS FROM THE REPORTED DATE. Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, CLOSED DATE, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY NON REPORTING DISPUTES Trade : XXXX XXXX XXXX XXXX ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. '' So, in response to XXXX, which was filed for a specific account/tradeline, Equifax allegedly conducted an XXXX for XXXX ( XXXX ) different XXXX XXXX accounts. The problem is, I've only had XXXX ( XXXX ). In fact Equifax claims the information for the account I filed the complaint for, the " disputed item, '' does not exist on my credit report. When XXXX furnishes information to the XXXX XXXX Agencies it does so using the actual account number, in this case XXXX. However, when it responds to customer inquiries regarding the account, it uses the last XXXX ( XXXX ) digits of the actual card number, here XXXX. While this XXXX seem confusing, there is no reason Equifax could not identify the account even with this discrepency, as the balance on the account has remained consistent across any and all documents I've supplied, which includes : XXXX own responses to the CFPB, XXXX third-party collections agent ( XXXX ) responses to the CFPB, XXXX XXXX XXXX after XX/XX/XXXX. That balance is {$3400.00}. Reasonable procedures under XXXX ( b ) are not proof of a reasonable re-investigation under 1681i ( b ). The re-investigation requirements under 1681i ( a ) mandates a more thorough investigation than 1681e ( b ) ( see. Chaitoff v. Experian Information Solutions , Inc., No. 21-2632 ( 7th Cir. 2023 ) ). While Equifax may not have been able to match the last five of the card number with the last four ( 4 ) digits of the account number, had Equifax conducted a reasonable re-investigation, they would have been able to match the documentation provided with the appropriate account/tradeline. In fact, they use this technique to verify individuals over the phone in Equifax Customer Service, whereby they will ask an individual to verify their identity by requesting a caller provide the name of the Data Furnisher, and the " balance '' as reported by the furnisher for a specific type of tradeline. Thus, Equifax has disregarded its responsibilities under 15 U.S. Code 1681 et. seq. and is allowing an account that was allegedly charged-off by XXXX XXXX XXXX XXXX ) years ago to be re-aged by XXXX such that the re-aging of account information has caused delinquencies to be reported by one-hundred eighty ( 180 ) for the past seven months -- this is after XXXX engaged in explicitly prohibited acts and practices over the past two ( 2 ) years, and then furnished the erroneous information in my consumer files. I have filed doezens of complaints regarding the reporting of this account over the past two ( 2 ) years, and demonstrated the multiple violations of Federal Law XXXX has engaged in. Equifax knows, or should know, XXXX has violated 15 U.S. Code 1681s2. By now there is no possible way Equifax can claim they do not know, or should not know, the account information is false/misleading/inaccurate, etc.. There is no way Equifax is unaware the information for this XXXX account constitutes an error under 15 U.S. Code 1681e, which regards errors as including factual information that is false/misleading/incomplete/inaccurate. Verifying information as technically accurate, does not imply the information as reported is not an error. Given the contradictions in XXXX written response to my state 's attorney general 's office with those it provided to the CFPB, the account/tradeline XXXX ( identified by card number XXXX in XXXX responses ) needs to be removed and XXXX needs to XXXX blocked from inserting additional information under a new and/or duplicate account/tradeline. At this point I have standing to sue Equifax under at least the FCRA to seek damages, for negligent and/or willful violations of the FCRA. I am allowed to seek recovery that includes actual damages, regardless of whether the statutory violation is negligent or willful. Specifically, I am allowed to seek recovery for financial losses suffered directly as a result of Equifax 's statutory violation ( s ). Moreover, I am allowed to seek recovery for other costs incurred, such as time lost correcting a false credit report. Emotional distress, loss of reputation are also compensable even in the absence of out-of-pocket expenses. ( See, e.g., Fischl v. General Motors Acceptance Corp., 708 F.2d 143, 151 ( 5th Cir. 1983 ) ) ; ( Arriola v. Safeco, 15 F.3d 1082 ( 9th Cir. 1993 ) ). In total direct losses, indirect losses, and emotional damage are recoverable for even negligent violations of the FCRA. CFPB complaint XXXX is attached, as is the documents filed with that complaint.
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01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it XXXX concern : Since 2015, I have been disputing a debt with a business that is a bad actor. I disputed this debt with the three major credit bureaus as is my right under the Fair Credit Reporting Act ( FCRA ). I submitted items of proof of a false filing of debt including but not limited to documents showing : The debt collector reported this debt falsely under my sons name which was then disputed, removed from his credit and placed under mine.
The specs of the home reported in the debt are not my home.
The original debtor, XXXX XXXX ( XXXX ) was listing a different starting debt than the collection agency lists.
Both the original debtor ( XXXX ) and the collection agency XXXX XXXX Collections ( XXXX ) refused to provide me with information or a detailed account of the debt they were claiming multiple times upon request.
Years later when some paper work was provided, it was full of inaccuracies, false claims, made up documents; including back dating letters declaring they were certified mail when most were never sent or were placed on my back porch with certified mail typed on a two-line bill.
Documents created after the dispute.
Debtors used abusive language and illegal debt collection practices including but not limited to calling several times a day, not stating who they were or why they were calling and refusing to leave messages. When I asked for this behavior to stop, I was laughed at and it continued for years. I also asked that they only communicate in writing so that I could have a record of their claims and harassment, they did not stop calling and did not communicate by mail.
Upon disputing this debt with the three major credit bureaus through XXXX XXXX online, all credit bureaus claimed that they investigated and found the debt to be accurate.
I then mailed these specific documents with a letter of dispute to the three major credit bureaus. Two of them XXXX and Equifax both responded that they had investigated this debt and found it to be valid. XXXX did not respond.
I then called Equifax to find out how this was possible. They told me that they had investigated and found the debt to be valid. Knowing that I had provided proof that this debt was not valid, I knew this was not possible and asked about my documentation. They had no response. I then asked what the investigation consisted of and the agent told me that they had contacted the business and the business did not wish to remove this from my credit report. I told them I knew that, but again asked about my documentation refuting their claims. They stated that they provided it to the business. The agent then explained to me that because this business ( XXXX ) was a member of the major credit bureaus it was up to them if they wanted to remove this debt.
I again stated, that is not a chance for someone to dispute an invalid debt or an investigation. They told me that is how it works. I asked again, so if I provide you with clear cut proof that I do not owe this debt, if the business chooses to keep it on my report anyway, there is nothing I can do? They stated, that is correct.
It was mind boggling and I honestly thought maybe I had gotten someone new and they were confused about what an investigation was or the fairness of that process. I asked to speak to a supervisor and was told, they will tell you the same thing, that is how it works. I asked to speak to someone anyway, as surely a supervisor would know that this is a violation. I was transferred to another person. I had the same exact conversation only adding to my point.
If a business can pay money to put something valid or not on someones credit report, then I have no chance of dispute. Years of disputing this debt has amounted to a corrupt business paying to extort me. This has had such a negative impact on my life that it can not be possible that a business can pay for this action. This bad acting business is controlling my ability to purchase a home, vehicle, get a personal loan and even a fair car insurance rate. They own my finances with every report. Not only does this affect my finances but their continued harassment has affected me with extreme anxiety, unwarranted rejection and the all-around quality of life that I can obtain. Their explanation of investigation was complete garbage. I was again told this is how it works. I stated that was not true and I had the right to dispute something on my credit report outside of asking for permission to do so by the people who were harassing me. I was appalled.
I spoke with a financial advisor about this, because I was XXXX smacked. They recommended filing a lawsuit which is also my right. However, under the credit bureaus policy, it would not matter if I got a judgement, as they would simply call the business and ask them again. I was told that this is not how the FCRA works. I took some time to cool down and continue to collect the rejections, poor credit ratings, and denials of credit specifically related to this reporting and called Equifax back again. I honestly thought that someone would correct this by a few months later. They did not. I was given the same explanation that the only way to remove this from my credit was to have the business want to do so. What would their motivation be to do so, if the payment they made to the credit bureaus is less that the money they extort?
Therefore, I would like to officially file a complaint against Equifax, XXXX and XXXX for a violation of the FCRA.
It does not matter to me that this will soon fall off my credit report as the fact, is that, they have allowed this to damage my credit and my life for years, willfully. Too much is at stake concerning this credit score for these agencies to continue to profit from these types of activities. The credit bureaus are literally profiting from extortion and I fail to see how this is any different that the mob. They are making people pay money they do not owe to be able to operate effectively in their lives. I do not believe I am overly dramatic or exaggerating in the least when I say that. It is terrifying to see that this kind of system is in place and I believe they should be held accountable for their actions and the impact it has had on my life.
I can only ask that you please take this seriously and pursue this matter.
Sincerely, XXXX XXXX XXXX
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11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Agency and its members as Data Furnishers : To my knowledge as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : Listed in attachment.
Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report.
There is also a misrepresentation by the Trustees regarding the bankruptcy listed on the consumer report as being reported from the courthouse ; however, the fact of the matter is the information is being actually reported by XXXX XXXX XXXX and XXXX, additional trustees.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud and unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, a conflict of interest against the equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and XXXX.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; /s/ XXXX XXXX : XXXX Living Soul, Beneficiary Non-person , Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXXXXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXXXXXX XXXX XXXX for the cancelled debt of { {$10000.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX is not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
XXXXXXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by XXXX ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, North Carolina XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
XXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXXXXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXXXXXX XXXX XXXXccount Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX Stone XXXX XXXX XXXXXXXX, North Carolina XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer XXXX XXXX XXXXXXXX : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System XXXX : XXXX XXXX XXXX XXXX XXXX Federal Trade Commission CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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10/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MS XXXX XXXXXXXXXXXX Cell : XXXX Business : XXXX XX/XX/XXXX Attention CFPB about Credit reporting and the way my credit file is not accurate and not disputed properly ending on XX/XX/XXXX.
My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MS XXXX. My birth date is XXXX XXXX, XXXX. For some reason, I can not access my Equifax credit file even with the information they gave me I can only access my XXXX credit file. I am supposed to be able to access my credit file for 30 days from XXXX XXXX, XXXX. I have on my credit files some items that I do not understand, why XXXX and Equifax and XXXX still have on my credit file. For example, I asked them to take the soft inquires and the hard inquires taken completely off, so my credit score will improve and be accurate. They just gave me an excuse and told me I can not take the soft or hard inquires off my credit file I just asked them about my hard and soft inquires XXXX XXXX, XXXX. In addition to that, I told them that XXXX XXXX did not report the correct or accurate amount that I owe them. They told me they fully understood, but then my credit file does not reflect what I verbalized to Equifax, Experian and Transunion. I told them that on my XXXX XXXX account I owe {$1500.00} but paid {$35.00} on my account. The reason for that was because XXXX XXXX kept sending me aggregation amounts of payments on my XXXX XXXX card every week and that is not the way I should be billed yet alone I should not be billed every week a different amount. If anything, the amount that XXXX XXXX expressed to me was to pay the minimum amount of {$35.00} every month to get your account current. I was planning on doing that every week, until I got letters that were contradicting to what they sent me the first time. Then I got worried about sending them any money, so I just started sending them money orders from my bank account by mail. Anyway, I told XXXX XXXX I will pay the amount off until I finish paying the amount of {$1500.00} off the customer service person told me that was fine when I called back the XXXX the time this month of XXXX XXXX, I was satisfied that I would get this balance paid off. I told Experian Transunion and Equifax about my XXXX XXXX account from XXXX XXXX to present. For my Navient/Education Department I told Experian, Equifax and Transunion that my account was under litigation and should be stated as such and my asking to pay on the account was frozen due to an investigation of fraud on 2 different colleges. I plan on filing my dispute with the accrediting agency for these colleges as well. The time I started talking to Experian Equifax and Transunion about these files was from XXXX XXXX to present. Then there was my XXXX account Transunion, Equifax and Experian told me I did not have that on my credit file. Then when I looked on my credit file myself I saw XXXX Mississippi on my credit file. Then when I did see that I told Equifax, Experian and Transunion to take it off. They told me then that it must stay on them for 7 years and then I can take it off, but to my understanding, if I want to take something off that is not accurate and I have paid the account in full and it will make my advantage score higher than they should take all the items I requested and take them off. Equifax, Transunion and Experian should not allow creditors to have complete access to my credit file and allow my credit score to drop XXXX points from what it was previously. I worked hard on my credit file in XXXX XXXX and got my credit file to a XXXX. Then after I did that then somehow all my effort and hard work went down the drain and my advantage scores were a whopping XXXX. That was very bad considering I worked hard to get my scores down to a decent credit advantage score, please help me to help myself by not allowing Experian, Transunion and Equifax to do what they want with my credit file. First, they allow creditors on my credit file ; even though, my credit file is on a security freeze. So, no one should have access to my credit file except me. There should not be a sudden change of scores, due to interruption of security freeze on my credit file. Also like I have stated Experian, Transunion and Equifax have allowed creditors to report fraudulent or inaccurate amounts on my credit file and these credit reporting agencies will not modify them to make sure they are accurate on my behalf, the bewildered creditor. For example, I saw an inaccurate credit item from XXXX in Mississippi. IT stated that I owe XXXX {$88.00} but that is not the case at all. I cut XXXX XXXX off the minute I knew they were not doing me and my business a service. The only reason, why XXXX was doing that credit reporting on my credit file without my permission, was due to being money hungry and trying to sabotage my credibility of my business. The financial vitality of the business is very important and that is how I stay financially stable.
I have a business to run called The Sounds of XXXX XXXX, XXXX a limited liability company ; so therefore, I am in desperate need of making all attempts to modify my advantage credit file. I just can not live without having this modification done. My livelihood depends on me having perfect credit scores, without this I am doomed and not allowed to take advantage of the freedoms a well-established business should have on a daily, weekly and monthly basis. It says on MS Code 15 fair trading act that all people have the right to modify their credit to make sure that it is accurate as far as reporting and their advantage credit scores. Also, in Fair Debt Collecting Practices it says the same thing. Also, I found out that Equifax is breached peoples credit files, due to XXXX, so I was wondering, if you can check this information out to see if it was true and accurate Also I am due to get a settlement from XXXX XXXX, my loan servicer. I am going to try and call them tomorrow to let them know about this so I will know when I will get my settlement money and I have a claims number, too, but I can not reveal it on this document. If you have any further questions please do not hesitate to call me at your own discretion. You can also email me as well. My cell phone number is XXXX. My email is XXXX. My business phone is XXXX.
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05/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am the victim of identity theft and fraud through an ex girlfriend which occurred over a two year period from XXXX of XXXX until XX/XX/XXXX. I filed charges against this person for impersonating me and stealing thousands of dollars through XXXX credit cards of mine, XXXX, XXXX XXXX XXXX, and XXXX. Two of these cards, XXXX XXXX XXXX and XXXX cleared the fraudulent debt immediately with no trouble, but XXXX has continued to improperly report this debt to intentionally damaged my credit report through false reports. I have attempted to resolve this issue for more than a year on my own to no avail.
The XXXX card " investigators '' of the fraud claim have fabricated information making such claims as I provided access to these cards on my own free will, allowed the ex to use them, and even that I was liable because we co-habitated making this a civil matter. I have asked them for documentation to show me where this evidence was gathered, but they refuse. I have never allowed this ex to use my cards and made it clear she took them without my permission, yet they filed reports that it was consensual and permission granted. I have asked for copies of their card agreement with the section highlighted showing me where this would be considered civil as a basis for this decision and they refuse ( I presume because it does not exist ), and have even asked for a copy of my agreement to where I signed this agreement binding me to these terms and contract, to which one was never been provided, either electronically or through the mail. At no time was the person who stole this money given permission to access or use my credit cards, thus resulting in two felony charges with my local police department of identity theft and credit card fraud. I have provided these police reports to XXXX who refuses to accept them. Instead, XXXX insists this matter is civil as a way to avoid honoring their fraud guarantee they promote in solicitation of their cards. When asked how I am not protected on this fraud protection guarantee, they continue to state their review has resulted in the investigation being deemed civil. XXXX is knowingly damaging my credit for a debt they have been provided proof is the result of fraud. They refuse to accept these documents and are the only company I have had any issues with as a result of this fraud. I have provided disputes to the credit bureaus and XXXX XXXX deleted the entry, yet XXXX and Equifax continue to report this charged off card as valid because they state XXXX has provided them responses that the debt is valid.
I have no other late payments or derogatory marks on my credit history other than XXXX. I have threatened XXXX with legal action, to which the representative literally laughed stating I was bound by their arbitration agreement and they would choose the arbitrator and I would have to pay, so " good luck ''. I understand this clause is an attempt to save time in the court system, but it is also to make it impossible to provide a fair trial in front of a judge. I then suggested XXXX should simply sue me in court if they felt it was a justified debt, because I would never repay this debt and would be happy to explain this in front of a judge who would dismiss their case. Naturally, XXXX refuses to accept this offer because they know they can not win as my evidence and officers who took the fraud report and investigators working the case can testify to the legitimacy of the fraud. So, the attempt by XXXX to prevent me from having this account deleted is purely for intentional damage to my financial health as well as to harass me to try to get me to break and settle this debt.
I am filing this complaint against Equifax as they are a party to this fraudulent account continually being reported on my account. While XXXX may choose to submit false information to the credit bureaus, it is the job of the credit reporting agency to verify this information as accurate. To date, the responses I receive from Equifax on these complaints is that " they verified the information as accurate that was provided to them by XXXX ''. Equifax is a culpable party to this complaint as they are not using the evidence provided to them, they are simply reporting back what XXXX states without also verifying evidence. Equifax was provided an updated copy of the police report from the XXXX, NC police department where an additional charge of Felony Identity Theft was added against XXXX XXXX XXXX, the actual person that committed the fraud using the XXXX credit card. By choosing to ignore this police report which clearly states I was the victim of identity theft and credit card fraud, Equifax is negligent. At this time, XXXX Bank has absolutely no evidence contrary to the evidence I have provided showing I am the victim of fraud. Therefore, Equifax having no further evidence provided by chase, ( other than assumptions ), is also negligent for allowing this damaging information to continue to report on my credit bureau. Unless XXXX can provide evidence contrary to the reports provided by the XXXX, NC police department, Equifax would have only their word, with no direct knowledge of the situation, and actual police reports from my side of the dispute. It would appear that Equifax is either failing to investigate this dispute, or simply ignoring evidence provided by myself and copying whatever XXXX Bank tells them to put on my credit bureau. Regardless of the reason they state the information has been reported as accurate, Equifax is derelict in their duties to protect consumers from inaccurate information as they have not actually provided any investigation into this matter. I am attaching the most recent dispute results from Equifax where they clearly state " This creditor has verified to OUR company that the balance is being reported correctly ''. This is not how a dispute should work, a creditor can not simply put that the person is disputing the account as being wrong simply because the creditor SAID the account is accurate. No evidence was provided, no one with personal knowledge of the situation is involved, and no documentation was provided contrary to my police statements taken by Detectives working a fraud case against the person who charged up my cards. Equifax has NOT completed a true investigation and must delete the account immediately.
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05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger vXXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago : XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely, XXXX XXXX
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07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA. XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX, Equifax ) Dear Sir/Madam, I am writing to bring to your attention the inconsistencies I have noticed on my credit report. These inaccuracies are severely damaging my credit score and require immediate attention. Please review the following items : XXXX. Customer Statement Section : Only Equifax has included my statement in this section. XXXX and XXXX have violated my rights by not including my customer statement. I request that you copy the statement from Equifax onto XXXX and XXXX.
XXXX. Misspellings and Variations of Name : There are multiple misspellings and variations of my name on the report. This is harmful to my credit profile. My name should be written as XXXX XXXX XXXX, and I expect it to be consistent throughout the report.
XXXX. Multiple Addresses : There are multiple addresses listed for me, which is incorrect. There should only be XXXX address associated with my profile : XXXX XXXX XXXX, XXXX, PA, XXXX.
XXXX. Employers Section : I have XXXX employers, and both should be accurately listed as follows : XXXX. XXXX XXXX XXXX. XXXX & XXXX XXXX
XXXX. Risk Factors Section : The generated statements in this section are inaccurate and should be removed as they are harming my credit profile.
XXXX. Summary Section : The information in the summary section is incorrect. I request that you adjust it once all account information has been updated and/or deleted to reflect accurate details.
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX ( previously disputed ) XXXX : You are reporting false late payments in XXXX and XXXX of XXXX.
Equifax : You are reporting false late payments in XXXX and XXXX of XXXX.
XXXX : You are reporting false late payments in XXXX and XXXX of XXXX.
I have paid on time, and after the previous dispute, the dates have been shuffled, which is a violation of 15U.S.C 1681 ( S ) 2. This is inaccurate reporting, and I request that you delete this account from my consumer report in accordance with my FCRA rights.
XXXX. Violation of Reporting Accuracy : All three credit reporting agencies have violated 15U.S.C 1681a ( 2 ) a ( i ) by not reporting accurate information. If it is the same account, it should reflect the same information. I have marked the discrepancies in red on the attached document.
XXXX. Account Name : XXXX XXXX, XXXX.
Account Number : XXXX I request that you delete XXXX for reporting inaccuracies. During the investigation, Equifax followed the rules and deleted the account. However, XXXX and XXXX did not, and they are currently in willful violation of my rights. They did not complete the investigation within the allotted 30 days, even after I filed a CFPB complaint. This is harming me, and each company is liable for a {$1000.00} violation. Additionally, they are not reporting the same information, which is a violation in itself. I have marked the discrepancies in red on the attached document.
XXXX. XXXX is reporting the date of last active as XX/XX/XXXX, while XXXX is reporting it as XX/XX/XXXX.
XXXX. In a separate dispute, I demanded proof of payment for XX/XX/XXXX, which XXXX is reporting as " OK, '' but it is inaccurate. This discrepancy is grounds for the entire account to be deleted.
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Update the account type detail to auto loan for all three bureaus.
XXXX. Update the number of months ( terms ) to XXXX months.
XXXX. Update the date last active to XX/XX/XXXX for all three bureaus.
XXXX. Update the account status to " paid in full. '' XXXX. XXXX and XXXX should update all payment history to " OK '' to match Equifax. I have marked the discrepancies in red on the attached document.
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX and XXXX should update all payments to " OK '' to match Equifax. Additionally, please remove all comments and remarks. I have marked the discrepancies in red on the attached document.
XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. XXXX should update the account type detail to revolving account.
XXXX. XXXX and Equifax should update the number of months ( terms ) to " revolving '' to match XXXX.
XXXX. Equifax should remove the comment " variable rate. '' I have marked the discrepancies in red on the attached document.
XXXX. Account Name : XXXX XXXX XXXX.
Account Number : XXXX This account is in violation of 15U.S.C 1681 ( S ) 2. Therefore, I request that you delete this account from my consumer report due to inaccurate reporting and violation of my FCRA rights.
XXXX. Account Name : XXXX XXXX XXXX.
Account Number : XXXX This account is in violation of 15U.S.C 1681 ( S ) 2. Therefore, I request that you delete this account from my consumer report due to inaccurate reporting and violation of my FCRA rights.
XXXX. Uninitiated and Unauthorized Inquiries : These inquiries are harming my credit and causing damage.
XXXX. Please refer to the attached dispute from XX/XX/XXXX.
XXXX. The inquiry on XX/XX/XXXX is more than 30 days from the initial dispute, resulting in a {$1000.00} violation per occurrence. There were XXXX inquiries disputed, totaling $ {$15000.00} in violations.
XXXX. Inquiries : There are multiple inquiries on my credit report that I did not authorize or initiate. These inquiries are negatively impacting my credit score. I request that you investigate these inquiries and remove them from my credit report.
XXXX. Public Records : There are no public records listed on my credit report. However, I have a court judgment that should be included in this section. I request that you update my credit report to reflect this court judgment.
I have attached a copy of my credit report with the discrepancies marked in red for your reference. I kindly request that you investigate these issues and make the necessary corrections to my credit report as soon as possible.
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a free copy of my credit report once every 12 months. I would appreciate it if you could provide me with a free copy of my updated credit report once the necessary corrections have been made.
Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues.
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06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX an Equifax failed to comply with federal regulations guidelines causing me credit harm an provide false information make seem like I'm not paying.an paid in full full balance they keep lowering my credit score instead improve it they keep dropping not right now they doing consumer violation consumer financial protection act they refusing to investigate they refuse to delete incorrect information off my credit report when the company said delete they doing it illegal operation tampering with credit file XXXX refuse to correct my address it XXXX XXXX XXXX XXXX XXXX XXXX they not providing correct address I hereby request they removed everything from my credit report as paid in full stop reported false information file lawsuits on company with evidence an proff I have due incorrect address that XXXX have on file is incorrect information using that not even correct address they in violation refuse to correct information every thing must match my personal information address an account missing information on this XXXX XXXX don't get my personal information confused with a similar name that people using use on me force me to pay a debt with driver license verification must have valid identification card to match the identity of the consumer if they can't provide that an they running credit with provide documentation like social security number an i.d it can be any one using my personal information I am under identity thefts freezes on my credit report XXXX never investigation this problem they correct way make each party responsible for this harm that cause me can't provide copy of identification number everything must be deleted off my credit report I demand copy provide the i.d issue by government if they can't provide I'm file lawsuits on XXXX an XXXX XXXX XXXX XXXX failed to comply with federal regulations guidelines XXXX XXXX XXXX loans operation business failed to provide documentation identification number on record must match the social security number to run any credit in the United States of America failed to comply need that if u can provide me that identification number an watch the same i.d state of Alabama provide for me I will pay the full balance u can't provide that information I hereby request everything be removed an I'm force to file lawsuits for Allowing someone credit with out identification number issue by the government you must provide 2 form of identification number approve credit to prevent identity thefts an fraud company refuse to do that now y'all in violation along with XXXX for requesting documentation failed to investigate correct way everyone remove XXXX XXXX XXXX XXXX from my credit report Equifax XXXX XXXX deleted due Incorrect verification account incorrect information incorrect amount XXXX still failed to delete All incorrect information due identity thefts fraudulent activity still operating illegally account be placed on my credit report when I have freeze on it address is incorrect that not my address on that XXXX records they provide false information force me credit score to drop how my credit score poor an my credit score supposed be in good standard is be XXXX XXXX with good credit score discrimination equals right an protection under 14 the amendment united State Constitution federal Constitution violation my civil rights have the right sue state an federal I am in title to know what was use against me on credit report I been on file sent XXXX requirements documentation im failed to comply results in another lawsuits against XXXX if my credit score don't be place back were it was file another one tampering with records proving false information reported false information allowing company to report false information on credit report with 2 forms identification provide by federal cant even Cash check with driver license or State i.d that apply to all credit lenders violation XXXX XXXX number federal regulations consumer financial protection right act we need that i.d an an full amount an date transaction must be corrected XXXX XXXX XXXX XXXX in violation federal law long with XXXX XXXX XXXX XXXX XXXX operation to collect debt don't belong to no body an XXXX when I file my dispute due to identity thefts credit company on my credit report must reimburse me debt settlement agreement supposed be paid to me that was part of the discrete revocable trust account never received that request full investigation credit file that y'all trying cover up tampering records federal offense have the right to sue need a copy every failed to do so I will file lawsuits an subpoena them records consumer rights I was effected by identity thefts fraudulent report over XXXX credit company was removed including false name failed to provide them documentation this is corrupted organization it's ok 2 option proved 2 forms identification number an correct payment amount an XXXX if that address don't watch my government issue i.d an mailing address file lawsuits false information so my identity can't be verified due to incorrect information in data base an y'all trying harm me some. More cause me to become homeless with bad credit my personal information being reported stolen effective data breaches y'all still operating illegally I am tired of being a victim with these credit report agency time take action I will not be a victim no more denied credit home loan credit card now it time y'all hold accountable for yall action I am a victim refusing to correct my credit score instead lower my credit score make it poor pay for incorrect information delete this from my credit report call XXXX XXXX XXXX that should been deleted that what XXXX XXXX XXXX said miss understanding failed to remove an investigation need feds stepped in fraudulent activity documents I prove Equifax XXXX XXXX XXXX XXXX everyone everything must be removed an XXXX failed to comply with federal regulations guidelines identity thefts fraudulent activity take they side not mines it wrong harassment me denied my credit I demand my credit score back to XXXX like it was sent my self credit builder account is paid in full I paid it off early still not ask the company they rather report it unpaid Harm my credit score I'm file lawsuits on XXXX Harm discrimination cause me mentally depressed become homeless due violation consumer rights not following the law
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01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Please remove it from my credit report.
2. I have NO knowledge of this account XXXX Please investigate and delete from my credit report.
3. This is a duplicate account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
4. This is a duplicate account XXXX XXXX XXXX XXXX Please remove it from my credit report.
5. The following information is outdated. I would like it removed from my credit history report XXXX Please remove it from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. I have NO knowledge of this account XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
2. I have NO knowledge of this accounXXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
3. I have NO knowledge of this account TX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
4. I have NO knowledge of this account XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
5. I have NO knowledge of this account XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
6. I have NO knowledge of this account TX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
7. The following account is not mine XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report.
XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report.
XXXX. I have NO knowledge of this account XXXX XXXX Please investigate and delete from my credit report.
XXXX. Validate AccounXXXX XXXX XXXX XXXX XXXX XXXX A Please investigate and delete from my credit report.
XXXX. Validate Account XXXX XXXX Please investigate and delete from my credit report.
XXXX. The following information is outdated. I would like it removed from my credit history report NORDSTMTD Please remove it from my credit report.
XXXX. Validate Account XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. I have NO knowledge of this account DEPT OF ED Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
XXXX. I have NO knowledge of this account XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
XXXX. I have NO knowledge of this account DEPT OF ED Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
XXXX. The inquiry was not authorized XXXX Please remove it from my credit report.
XXXX. This is a duplicate account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
XXXX. I have NO knowledge of this account XXXX XXXX Please investigate and delete from my credit report.
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX Please investigate and delete from my credit report.
XXXX. This is a duplicate account XXXX XXXX XXXX XXXX Please remove it from my credit report.
XXXX. The following information is outdated. I would like it removed from my credit history report XXXX Please remove it from my credit report.
XXXX. Validate Account XXXX XXXX Please remove it from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX
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03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful then one of the pet told me they cant dispute these fraudulent accounts and that it wasn't nothing personal which I found very rude which makes me even more depressed now because this is personal because it on my personal credit report they are a very abusive company and don't want to help what so ever I have very low credit utilization. I have 5 negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative accounts its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. AND THEY DID NOT NOTIFY ME THEY PLACED THIS FRAUDULENT ACCOUNT BACK ON MY CONSUMER REPORT defamation of character OF MY NAME SO NOW I WILL BE FILING LITIGATION IN COURT because y'all are making me depressed they still reporting it it still isn't deleted
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05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute certain inaccurate information that is appearing on my credit report. As a consumer, I have the right to ensure that the information in my credit file is accurate, verifiable, and up-to-date. Upon reviewing my credit report, I have identified the following items that require investigation and correction : 1. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect EMPLOYER : XXXX XXXX 3. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
14. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
16. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
17. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
18. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
19. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 20. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 21. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you conduct a prompt investigation into these disputed items. During this investigation, I ask that you contact the respective creditors to verify the accuracy of the information being reported. Please note that I do not consent to any automated verification process, such as e-Oscar.
I also request that you provide me with copies of any documentation, contracts, or agreements related to the disputed accounts, as required under Section 609 ( a ) ( 1 ) ( A ) of the FCRA.
Furthermore, I would like to remind you of the time limits set forth by the FCRA. According to Section 611 ( a ) ( 1 ) ( A ), you must complete the investigation within 30 days of receiving this dispute letter. I expect a written response detailing the results of your investigation within this timeframe.
If you determine that any of the disputed items are indeed inaccurate or unverifiable, I request that you promptly remove them from my credit report in accordance with Section 611 ( a ) ( 5 ) ( A ) of the FCRA. Additionally, I ask that you provide me with an updated copy of my credit report reflecting these corrections.
Finally, please be aware that the inaccurate reporting of information can negatively impact my creditworthiness and financial opportunities. If these disputes are not resolved satisfactorily within the required timeframe, I am prepared to take legal action to protect my rights under the FCRA.
Thank you for your attention to this matter. I expect your prompt and thorough investigation and appreciate your cooperation in resolving these disputes.
Sincerely, XXXX XXXX XXXX
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03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX of XXXX I started a new job. At my previous employer I was able to setup my direct deposit to go into two accounts, one of those accounts being the XXXX account connected with the autopay for my mortgage. At my new job I am unable to split my paycheck and instead must make a manual transfer into the XXXX account. This XXXX account was a new account that my husband and I opened together when we got married in XXXX to pay our joint bills.
Unfortunately in XXXX the transfer was made after the autopay was taken out. The autopay was then sent back from XXXX to XXXX, which resulted in the autopay being shut off. I received a notification from XXXX and the account was updated from that end, but I was unaware that the autopay was shutoff from the XXXX end because I received no alert or notification from them.
It wasn't until XX/XX/XXXX that I received an email from XXXX that had a subject that wasn't the same subject as all of their standard monthly statement emails. All emails received have the subject of " XXXX XXXX XXXX - E-Statement Notification '' Which is the same subject for every monthly email I receive from XXXX. Therefore, how am I supposed to know that there is anything in that notification other than the regular course of business?
When I saw this email with the subject " '' XXXX XXXX XXXX - Account Notice '' in XXXX and investigated the situation and learned that my autopay was shutoff and my mortgage hadn't been paid since XXXX I immediately made all payments due, including late fees.
This payment was made on XX/XX/XXXX. However, it wasn't until XX/XX/XXXX that XXXX updated my account to " current '' and " pays as agrees '' because they incorrectly enrolled me in hardship assistance and loss mitigation AFTER i specifically declined to be enrolled. I had no idea I was even enrolled in this program until I was trying to contact customer service to understand why the status of my account was still not updated, and they told me i had to speak with the loss mitigation department. The representative told me she had no idea why I was even enrolled and she updated my account immediately. Previously, I had been emailing with the credit research department for over a month and no one ever told me that i was enrolled in that program and that was the reason my account status was not updated.
It was also on this call that the representative discovered that a XXXX phone number was listed as a contact number on my account. I have a XXXX number, I have never had a XXXX number, nor do I know anyone with a XXXX number. I have no idea how this number would have been added to my account. XXXX claims to called me on several days from XXXX through XXXX to notify me that my account was deliquent. I have sent them screen shots of my call records for each of those days.
XXXX. As you can see, none of those numbers identify as XXXX, therefore leaving it up to me to determine who the caller might me XXXX. On those days you can also see the volume of calls that I receive from unknown numbers, and how I can't possibly answer all of them.
XXXX. There are no voicemails that were left from XXXX. Voicemails are the only way for me to decifer if the number calling me is for a legitimate purpose or it was spam. If XXXX is contacting me about something as important as missing a payment, why would a voicemail not be left? If a voicemail was left I would have returned the call immediately and made the payment asap, as I did on XX/XX/XXXX when I finally learned there was an issue.
Clearly, XXXX never called me because they had the wrong contact number in my account. An error that I am not responsible for.
Other issues with their methods of " alerting '' me : I provided documentation that I have been enrolled in paperless statements since XX/XX/XXXX. The purpose of enrolling in paperless statements is to not have to worry about being home to receive notifications sent via snailmail. I am a remote employee, I travel more often and stay in other places for long periods of time because I can work from anywhere, it is unrealistic for XXXX to rely on USPS to send critical notifications about the status of customers accounts to my physical addresses, when I have purposefully enrolled in electronic communication for notifications.
If XXXX can not have reliable notifications then how can it hold its customers accountable for being up-to-date on changes to their account, such as their autopay being shutoff.
I've generally felt their credit research department is incompetent. Every time i email them with my documentation and reasoning their responses have nothing to do with what I am presenting. They kept telling my why I was being charged late fees, and I never once asked to have my late fees waived.
I have asked XXXX to remove the late payments on my account for XXXX and XXXX. Because again, they shutoff my autopay, I did not. What they are reporting is not an accurate reflection of my ability or willingness to pay my mortgage. I have even shown them the cash balances in my other bank accounts to prove that I had the ability to pay during the months in question.
This is an incredibly frustrating process and has impacted my ability for my husband and I get a new mortgage and continue our life together and grow our family. What is currently being reported makes other bankers think that I'm not a reliable borrower, and that is not the reality at all.
I hope that by sharing all of this information and documentation that XXXX can update its processes and procedures so that this does not have to happen to another customer. It was an unfortunate mistake that has consequences that are not reflective of the actual situation.
I have also explained this situation to all 3 of the credit bureaus and asked them to do an investigation. The credit bureaus have concluded that there was inaccuracies in my account, and did make some changes, but claims they can't update the late payments because they do not have the ability to make changes to the report, they only can use the information provided to them. However, XXXX claims " Please note, credit reporting agencies can choose to correct at their own discretion or upon your request if they determine that it is appropriate. '' So this is also a circle issue and one of these agencies it not doing their job correctly.
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11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have already did a private dispute with XXXX equifax and XXXX! I woke up late XXXX in the morning to a notification from. My credit monitoring company I use and pay for and I immediately called the company and called my credit bureaus!
Not only is this debt inaccurate and false and fraudulent on every level from the credit bureaus investigations to the collection company itself and then the original company which I can not get ahold of, its not ok or accurate, I have been in school enrolled off and on in my college and receive financial aid and all of my student loans are up to date! This is inaccurate and illegal, I was never notified in wring by phone call or anything and I have had the same number and Address for over ten years!
The first mistake is just putting something on to my personal credit file which is a violation without attempting to find me or notify me or talk to me or write me and then just attaching it or me knowing you have my information an can reach out to me! The company should had no problem doing that for a legal situation and proper attempt but they illegally and unprofessionally added this to my consumer file without my knowledge or knowing or even anything! I also have reached out to every party involved and am getting nowhere and of course once I did that instead of furnishing, XXXX with proper information so I can further see where this is coming from now they are calling am harassing me and attempting tocollectan illegal false debt that has already been sold to them illegally and now are trying to collect from me illegally and I am being negatively viewed by my creditors and business partners for a negative item on my report that has UNIDENTIFIABLE AND MISLEADING AND INNACURATE INFORMATION AANDIS DIFFERENT ON EACH REPORT which is another violation!
XXXX XXXX XXXX XXXX XXXX Original creditor - XXXX XXXX XXXX XXXX XXXX Account type - collection Date opened- XX/XX/2023 XXXXStatus-collection account {$2100.00} past due as of XX/XX/2023.
Status updated- XX/XX/2023 Balance- {$2100.00} Balance Updated -XXXX XXXX, 2023 Paid off-0 % Past due amount {$2100.00} Original amount XXXX Terms - 1 month Responsibility - individual Contact info XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX This is the fraud and the negative collection account and the way it is listed for XXXX which is completely inaccurate and incorrect number one because it is not my debt number two because if it was open in XXXX, why was I not contacted and number three if it was updated in XXXX, why was I not contacted how is it a collection account here on XXXX But a unpaid account on Equifax and a open account on XXXX? Which I will put in detail below?? That right there is also a violation then it says past due amount is the same amount as the original amount which makes no sense. All of this is completely inaccurate the whole way across the board, including the collection, a company and the original creditor, which has furnished me with no information, no signatures no nothing.!
XXXX XXXX XXXX XXXX ( name is different than XXXX and equifax ) XXXX Original creditor - XXXX XXXX XXXX XXXX XXXX Account type - OPEN ACCOUNT ( different than other creditors ) how is it opened and a collection???
Date opened- XX/XX/2023 XXXXStatus- ( its blank but says other things on other creditors ) Status updated- XX/XX/2023 ( says XXXX on XXXX ) Balance- {$2100.00} Balance Updated XXXX XXXX, 2023 Paid off-0 % Past due amount SAYS NOTHING!!!!
Original amount XXXX Terms Responsibility - Contact info XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Once again information is differ and inaccurate and false and wrong on all three bureaus EQUIFAX XXXX XXXX XXXX ( different name in all 3 ) XXXX Original creditor - XXXX XXXX XXXX XXXX XXXX Account type - collection Date opened- XX/XX/2023 XXXXStatus-UNPAID ( completely different on all bureaus ).
Status updated- XX/XX/2023 Balance- {$2100.00} Balance Updated XXXX XXXX, 2023 Paid off-0 % Past due amount {$2100.00} Original amount XXXX Terms - Responsibility - individual Contact info XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Once again , all of the information is it accurate and incorrect and I would like a complete and thorough investigation. I have reached out to each and every credit bureau and I am now forwarding these documents as well as a notarized letter to them and I also am filing a report with the FTC federal trade commission and I will continue to file reports with you through XXXX, Equifax and XXXX XXXX and this collection company and the original creditor until this is completely gone and off of my report and record. It is wrong it is in accurate and it is not my debt.
Not only is this violation of me and XXXX, fair credit reporting code and rules of ethics, but it is violating code 15 US 1681 B2, code 15 US code 1681 C2, 15 US code 1681EB and code 15 US code 1681 a2 Im sure I do not have to break those down, but I can if I need to, and as a person that monitors their credit report and takes it into extreme measures and caution and has had issues in the past with these companies, and there are inaccuracies and fraudulent reporting and violation of our rights But I also completely am aware of everything going on, and I am more than willing to accommodate any debt or anything that is mine, or is proving to be mine however, the companies are not corresponding in a timely manner and not furnishing me with the proper information and I am immediately executing my rights under Those acts I have provided and requesting that this immediately be removed this collection account from first financial resources immediately be removed from all three credit bureaus XXXX, Equifax and XXXX XXXX and I will continue to push and provide verification and do fourth I was enrolled in community college at the time and I have always been a member and I am currently about to get my XXXX XXXX and I am in correlation with all of my financial aid man have never been in correlation with this company or this collection company or these finances listed inaccurately on my consumer report thank you very much. I have also done exactly what she requested and not provided my name or any personal information, and XXXX report itself which I am printing and furnishing to each of the credit bureaus and to the creditor and to the collection company thank you.
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11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction. There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Agency and its members as Data Furnishers : To my knowledge as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : Listed in attachment. Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report. There is also a misrepresentation by the Trustees regarding the bankruptcy listed on the consumer report as being reported from the courthouse ; however, the fact of the matter is the information is being actually reported by XXXX XXXX XXXX and XXXX, additional trustees. Furthermore, it is a XXXX of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud and unfair and deceptive trade practices involving the unauthorized practice of law by a corporation. The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice. Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, a conflict of interest against the equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and Trustee. Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; /s/ XXXX - XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX financial has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Phone number not available Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX bank has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX VIA XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX BANK XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX BANK has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Location XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
2. XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
3. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
4. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
5. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
6. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
7. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
8. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
9. XXXX XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
10. XXXX XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
11. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
12. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
13. XXXX XXXX XXXX XXXX XXXX MAB Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
14. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
15. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
16. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
17. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
18. XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and dating from the year XXXX is claimed as to have been associated with me and this is a matter upon which I have no knowledge nor any record and a matter upon which a mistake of identity seems to have been committed whereby I have been erroneously discharged with incurring such debt as would be that I maintain no hand nor any dealings nor any such relation in any manner or form whatsoever to such debt as is hereby claimed to have been charged, spent, settled, owed or in any other manner related to me in all actuality.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is present whereby the charge is made by charging me with amount of {$1900.00} as claimed to be amount charged and thereby owed in debt and this amount is wholly inaccurate in actuality. The card in question is card which I had, indeed, held through the bank and by the bank. It is card which, in all actuality, I had not properly occasioned to have used in any manner corresponding to significance. When I had used the card, I used it to make purchases which my records shall attest to be purchases amounting in total sum of these to a total amount not exceeding some XXXX XXXX ( and thereabouts ). Further to this, such sums as I have detailed are also sums which I had paid by return ( and in full ). Therefore, I wish it to be stated expressly that such sums ( as sums charged of me in actuality ) are and remain sums that have been, to my best knowledge fully returned as to be paid in full. But such sums which actually exist as to have been recorded in charges and returns remain sums unrelated to the claim of {$1900.00} and which remain amounts remote to such claim ( the actual sums are sums amounting in total tabulation, to a total not exceeding by any ways XXXX XXXX XXXX or so in total tabulation ). Such claim that I maintain a debt outstanding in the amount of {$1900.00} is and remains as to be unrecognizable to the degree that I question if unauthorized spending is to be cited and found as to have occurred or otherwise an error has been committed. Such sum is not to be seen reflected by spending records nor in records at all. This sum is amount which I regard to be unrelated to amount as ever charged or ever used or ever spent or in any way ever expended and this in all actuality bearing by record.
XXXX. I with to expressly state that returns as paid in full have been recorded by receipts as to exhibit that those charges which were made by use of the card in question are neither related to the sum claimed as to be outstanding and also bear as to be paid in the sums of record and actual fact. Note therefore that such charges as hereby we find to be cited are charges involving far lesser sums than this the claimed charge and therefore sum of debt ( {$1900.00} ) as this sum is being hereby charged erroneously or by malicious conduct of a third party and charged of me by XXXX XXXX XXXXXXXX who claim whatever sum had actually been charged just as well as to be sum still unpaid by myself and both of these are claims made in error as such. The case of the presently concerned debt, we hold as to be debt of no credibility nor basis in hold to its merits and we hold it thus to be claim with no basis nor any grounds that it exist as to be claimed debt outstanding nor that the furtherance of it as claim be made ( as it has been made in all actuality ).
3 ) The above detailed XXXX XXXX XXXX derogatory claim has been advanced despite the same XXXX XXXXXXXX XXXX citing as to render our accounts held by and in this bank as to be in accounts and credit in " good standing/never late '' and this in relation to both the bank and to credit cards of the bank 's issuance and with supporting statements provisioned in this regard ( as to stand in contrast to the lack in and of any citable correct and accurate statements as would support the above detailed derogatory claim as it is nevertheless made and advanced ).
4 ) XXXX XXXX makes claim of debt to XXXX in the amount of {$2700.00}. We concede an amount to be outstanding to XXXX for cell phone bills but add here that such amount is not amount as such is claimed nor remotely approaching such as is claimed ( in actually the bill in question is bill of a XXXX or so dollars and also is a bill which remained unpaid in such amount as given here to be XXXX XXXX or thereabouts to best recollection owing to the fact that the payment itself had been offered and made to XXXX who had refused repeatedly for reasons unknown to accept such payment as had been offered by such ordinary means as several previously paid sums had in all actuality been paid and as such been accepted also and this involving the same two parties as are currently at disputation. Finally, as we regard by record existent, that such payment as was owed was also attempted as to be paid by XXXX XXXX who attempted to pay the outstanding sum in cash at a XXXX XXXX in XXXX XXXXXXXX XXXX XXXX XXXX ) and this attempt resulted in such sum of cash being rejected as to be a transaction deemed impossible by employees at the XXXX store who cited no reason and whose rejection of such sums in payment remain also as to be unknown to us and therefore as to be cited by us in explanation of the same sums remaining outstanding ( but not, we note, in conceding by any manner the larger sum of {$2700.00} as these shall not be regarded accurate as to be charged in any manner whatsoever nor regarded as to be remotely related to that actual sum of a XXXX XXXX or so which we concede to be sum owed as to remain outstanding but we add to this citation as to remain in such state owing to those reasons hereby cited as to have been obstructive to due payment being made as it is seen as to not be payment which had been accepted in receipt of it ).
We have disputed these above as they have been detailed but these are claims which have nevertheless persisted and persisted nonetheless as to warrant this complaint as to be complaint issued forth to this Government Department in hopes that due fairness and due accuracy be instituted and observed in and of all these by the companies at concern. Failing such action, we shall seek legal action as to bring us to attainment fully of such remedial measures as we find these to be measures fully and properly due.
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11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction. There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Agency and its members as Data Furnishers : To my knowledge as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : Listed in attachment. Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report. There is also a misrepresentation by the Trustees regarding the bankruptcy listed on the consumer report as being reported from the courthouse ; however, the fact of the matter is the information is being actually reported by XXXX XXXX XXXX and XXXX, additional trustees. Furthermore, it is a XXXX of law that XXXX follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud and unfair and deceptive trade practices involving the unauthorized practice of law by a corporation. The Laws and Regulations according to the Fair Credit Reporting Act Title XXXX XXXX Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX XXXX. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the XXXX reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice. Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, a conflict of interest against the equity and the law. Title XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and Trustee. Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Beneficiary Non-person, Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX SSN : XXXX | DOB : XXXX Re : This is not a regular dispute. Take action immediately if you are in violation. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Pursuant to 15 USC 1611 XXXX, XXXX, Equifax, and XXXX XXXX are criminally liable.
I'm bothered that you have incorporated the data beneath in my credit profile and that you have neglected to keep up sensible methods in your activities to guarantee the most extreme conceivable exactness in the credit reports you distribute. Credit announcing laws guarantee that agencies report just 100 % exact credit data. Each progression should be taken to guarantee the data detailed is totally precise and right. The accompanying data in this way should be re-researched.
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite my written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you will be liable for your willful non-compliance.
I also enclosed the Letters that you Failed to Respond to.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of consumer credit information. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is an FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mix up one person 's information with another 's because of similar ( or the same ) last names or social security numbers. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable, and Invalidated I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
* Please remove all non-account holding inquiries This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Please note that you had 30 days to complete this investigation and you failed, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), If you can not verify the information within the 30-day time period, you must delete all of the disputed accounts from my report.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification.
Seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory Agency Division of consumer complaints Thank You, XXXX XXXX
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08/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$2000.00} Monthly Payment : High/Limit : {$1900.00} Account Status : Collection Past Due Amount : {$0.00} Comments : COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER XXXX XXXX Equifax XXXX XXXX Account Type : Open Installment Account Number : XXXX XXXX Payment Responsibility : Individual Individual Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX Balance Amount : {$3000.00} {$3000.00} Monthly Payment : High/Limit : {$3000.00} {$3000.00} Account Status : Collection Collection Past Due Amount : {$0.00} {$3000.00} Comments : COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX COLLECTION ACCOUNT ACCOUNT INFORMATION DISPUTED BY CONSUMER LAST PAID : XXXX XXXX XXXX Equifax XXXX XXXX Account Type : Installment Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$4300.00} Monthly Payment : {$0.00} High/Limit : {$4300.00} Account Status : Collection Past Due Amount : {$4300.00} Comments : LAST REPORTED DELINQUENCIES : XXXX AMOUNT IN HIGH CREDIT ORIGINAL CHARGE-OFF AMOUNT CONS DISPUTES - REINVESTIGATION IN PROCESS Show Details XXXX XXXX XXXX Equifax XXXX XXXX Account Type : Open Open Revolving Account Number XXXX XXXX XXXX XXXX Payment Responsibility : Individual Individual Individual Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Amount : {$5100.00} {$5100.00} {$5100.00} Monthly Payment : {$0.00} High/Limit : {$5100.00} {$5100.00} {$5100.00} Account Status : Collection Collection As Agreed Past Due Amount : {$3500.00} {$3500.00} {$3500.00} Comments : CONSUMER DISPUTES THIS ACCOUNT INFORMATION CHARGED OFF ACCOUNT ACCOUNT INFORMATION DISPUTED BY CONSUMER THIS IS AN ACCOUNT IN GOOD STANDING LAST REPORTED DELINQUENCIES : XXXX UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ACCOUNT INFORMATION DISPUTED BY CONSUMER LAST PAID : Show Details XXXX CARD Equifax XXXX XXXX Account Type : Revolving Revolving Revolving Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Individual Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Amount : {$7600.00} {$7600.00} {$7600.00} Monthly Payment : {$0.00} High/Limit : {$7600.00} {$7600.00} {$6500.00} Account Status : Collection Collection Late Over 120 Days Past Due Amount : {$7600.00} {$7600.00} {$7600.00} Comments : LAST REPORTED DELINQUENCIES : XXXX CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT XXXX ACCOUNT CLOSED BY CREDIT XXXX ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XXXX UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ACCOUNT CLOSED BY CREDIT GRANTOR LAST PAID : XX/XX/XXXX XXXX XXXX XXXX Equifax XXXX XXXX Account Type : Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$3000.00} Monthly Payment XXXX {$0.00} High/Limit : {$3000.00} Account Status : Collection Past Due Amount : {$3000.00} Comments : CONSUMER DISPUTES THIS ACCOUNT INFORMATION COLLECTION ACCOUNT Show Details XXXX XXXX Account Type : Installment Account Number : XXXX Payment Responsibility : Joint Contractual Liability Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : $ 0 Monthly Payment : High/Limit : {$16000.00} Account Status : As Agreed Past Due Amount : {$0.00} Comments : LAST REPORTED DELINQUENCIES : XXXX CLOSED Show Details Equifax XXXX XXXX Account Type : Revolving Revolving Account Number : XXXX XXXX Payment Responsibility : Individual Individual Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX Balance Amount : {$4300.00} {$4300.00} Monthly Payment : High/Limit : {$4300.00} {$4000.00} Account Status : Collection Late Over 120 Days Past Due Amount : {$4300.00} {$4300.00} Comments : ACCOUNT CLOSED BY CREDIT GRANTOR ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XXXX UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ACCOUNT INFORMATION DISPUTED BY CONSUMER LAST PAID : XX/XX/XXXX Show Details XXXX XXXX XXXX Equifax XXXX XXXX Account Type : Revolving Revolving Revolving Account Number : XXXX XXXX XXXX Payment Responsibility : Individual Individual Individual Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Amount XXXX {$410.00} {$410.00} $ 412 Monthly Payment : {$0.00} High/Limit : {$410.00} {$410.00} {$300.00} Account Status : Collection Collection Late Over 120 Days Past Due Amount : {$410.00} {$410.00} {$410.00} Comments : LAST REPORTED DELINQUENCIES : XXXX CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR ACCOUNT CHARGED TO PROFIT AND LOSS ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XXXX UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR LAST PAID : XX/XX/XXXX WF/PREFERRED CUST ACCT Equifax XXXX XXXX Account Type : Revolving Revolving Revolving Account Number : XXXX XXXX XXXX Payment Responsibility : Individual Individual Individual Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Amount : {$3400.00} {$3400.00} {$3400.00} Monthly Payment : {$0.00} High/Limit : {$3400.00} {$4800.00} {$4800.00} Account Status : Collection Collection Late Over 120 Days Past Due Amount : {$3400.00} {$3400.00} {$3400.00} Comments : LAST REPORTED DELINQUENCIES : XXXX CONSUMER DISPUTES AFTER RESOLUTION CHARGED OFF ACCOUNT DISPUTE RESOLVED-CUSTOMER DISAGREES ACCOUNT DELINQUENT 150 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XXXX UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR DISPUTE RESOLVED - CONSUMER DISAGREES LAST PAID : XXXX XXXX XXXX Equifax XXXX XXXX Reported Not Reported Reported Collector : XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX Balance Amount : {$2000.00} {$2100.00} Date of Status : XX/XX/XXXX XX/XX/XXXX Status : Closed Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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The following letter, which serves to explain the applicable rule of law, and supporting documents ( please see the attached file ) were mailed to XXXX XXXX as evidence that the XXXX XXXX loan issued to me and ending in XXXX ( henceforth referred to as Loan XXXX ) is dischargeable through my XXXX XXXX Bankruptcy Case that was filed in XX/XX/XXXX, and discharged by the United States Bankruptcy Court in XX/XX/XXXX by order of a United States Bankruptcy Judge.
Though most student loans are not dischargeable through bankruptcy, relevant case law dictates that Loan XXXX can not be defined as a qualified education loan because I was not an eligible student to receive a qualified education loan during the period for which the Loan was originated, approved, and disbursed. The law on student eligibility stipulates that a student must be enrolled or accepted for enrollment in a degree, certificate, or other program in order to be considered eligible to receive a qualified education grant, loan, or work assistance.
Supporting documents include an official statement from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( henceforth referred to as XXXX ) the school to which Loan XXXX was disbursed, as noted on the loan 's Final Disclosure document attesting to the fact that I have " never been accepted for admission to or enrollment in any XXXX program.
The letter and supporting documents referred to herein were sent to XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX, by U.S. mail on XX/XX/XXXX, and were delivered on XX/XX/XXXX ( USPS delivery confirmation included in the attached document ). A XXXX XXXX Manager XXXX, Employee # XXXX, confirmed receipt of said mailing during a phone call with me that occurred on XX/XX/XXXX.
THE FOLLOWING LETTER TO XXXX XXXX, DATED XX/XX/XXXX, WAS MAILED ON XX/XX/XXXX, AND RECEIVED BY XXXX XXXX ON XX/XX/XXXX : To Whom It May Concern : I, [ NAME REDACTED ] ( CIN [ NUMBER REDACTED ] ), filed for XXXX XXXX Bankruptcy with the XXXX XXXX XXXX Bankruptcy Court in XX/XX/XXXX. In XX/XX/XXXX, the court notified XXXX XXXX of the Order of Discharge granted to me by United States Bankruptcy Judge [ NAME REDACTED ].
Ordinarily, unsecured loans such as the private XXXX XXXX Smart Option Student Loan ending in XXXX ( Loan XXXX ), issued to me and referred to herein are fully dischargeable in bankruptcy. However, XXXX XXXX incorrectly claims that Loan XXXX falls under an exception, provided by The Bankruptcy Code, that relates to educational obligations and prescribes that a qualified education loan is not eligible for discharge through bankruptcy. XXXX XXXX postulates that Loan XXXX is an educational loan that is a qualified education loan, as defined in section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986... '' See 11 U.S. Code 523 ( 8 ) ( B ).
The reason that Loan XXXX is not a qualified education loan, and is therefore eligible for discharge, is detailed in the paragraphs below.
IRS Code 221 ( d ) ( 1 ) states that The term qualified education loan means any indebtedness incurred by the taxpayer solely to pay qualified higher education expenses... which are attributable to education furnished during a period during which the recipient was an eligible student. See 26 U.S. Code 221 ( d ) ( 1 ).
The IRS Code continues in section 221 ( d ) ( 3 ) by defining the term eligible student to have the meaning given such term by section 25A ( b ) ( 3 ). See 26 U.S. Code 221 ( d ) ( 3 ).
IRS Code 25A ( b ) ( 3 ) states that For purposes of this subsection, the term eligible student means, with respect to any academic period, a student who ( A ) meets the requirements of section 484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. 1091 ( a ) ( 1 ) ), as in effect on the date of the enactment of this section... See 26 U.S. Code 25A ( b ) ( 3 ) ( A ).
Finally, the Higher Education Act 1091 on Student eligibility dictates in subsection ( a ) ( 1 ) that In order to receive any grant, loan, or work assistance under this subchapter, a student must ( 1 ) be enrolled or accepted for enrollment in a degree, certificate, or other program... See 20 U.S. Code 1091.
On XX/XX/XXXX ( the Final Disclosure Date for Loan XXXX ), I was not nor have I ever been enrolled or accepted for enrollment in an official program through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, nor through any other school/division of XXXX University . I borrowed Loan XXXX from XXXX XXXX to pay for my enrollment in independent graduate courses offered through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. At no point was I eligible to earn a degree or to be enrolled in an official XXXX program. Provided evidence in support of this fact includes the rejection letter I received from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, after applying to the schools XXXX XXXX XXXX XXXX program. The letter states that, not only was I rejected for admission, but I was ineligible for admission due to not having earned a regionally accredited XXXX XXXX. As further verification, I have included a recent statement issued by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, attesting to the fact that I have never been enrolled or accepted for enrollment in any of their programs.
The above information and submitted evidence serves as proof that my XXXX XXXX unsecured loan, Loan XXXX, is eligible for discharge through bankruptcy. As it is my right under United States law, I am requesting that the full amount of my XXXX XXXX loan ending in XXXX be discharged immediately. Additionally, any and all negative information pertaining to Loan XXXX dated on or after XX/XX/XXXX ( the Order of Discharge Date ) needs to be expunged from my credit report, and said loan must be reported to all consumer reporting agencies as discharged through XXXX XXXX Bankruptcy as of the Order of Discharge Date.
If this matter is not resolved within a reasonable amount of time, not to exceed 30 days from the date of receipt of this mailing, my next course of action will be to file a formal complaint with the Consumer Financial Protection Bureau.
I appreciate your time and thank you in advance for your cooperation.
With gratitude, [ NAME REDACTED ] Customer Identification Number : [ NUMBER REDACTED ] Loan : XXXXXXXX
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01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act XXXX account.
XXXX XXXX XXXX Date Opened-XX/XX/XXXX Date Updated XX/XX/XXXX Payment Received LastXX/XX/XXXX Account charged off. {$4700.00} written off. {$4600.00} past due as ofXX/XX/XXXX.
Status Updated XXXX XXXX Balance {$4600.00} Balance Updated XX/XX/XXXX Inaccurate reporting of payments. Including number of payments, amount and when car was actually repossessed. Their documentation shows XXXX. The XXXX XXXX XXXX Car was repossessed on XXXX XXXX. It also states the account opened on XX/XX/XXXX that is wrong information as well. I purchased two XXXX cars on XX/XX/XXXX. Why the date it off I do not know. I have sent disputes several times with nothing being fixed and it clearly is on documentation I have provided in this complaint. Im their findings they found no discrepancies which is wrong per the fair credit act. And then I find this that makes no sense and was not aware of. Account charged off. {$4700.00} written off.
{$4600.00} past due as of XX/XX/XXXX.
Status Updated XXXX XXXX Balance {$4.00} Balance Updated XX/XX/XXXX Original Balance {$26000.00} Date Opened XX/XX/XXXX Scheduled Payment {$420.00} Paid {$500.00} on XX/XX/XXXX Date XX/XX/XXXX Balance {$23000.00} Scheduled Payment {$420.00} Paid {$600.00} on XX/XX/XXXX Date XX/XX/XXXX Balance {$23000.00} Scheduled Payment {$420.00} Paid {$420.00} on XX/XX/XXXX But they reported this 30 days past due as of XX/XX/XXXX to XX/XX/XXXX knowing I was paying my car payment even extra amounts some months but I paid it every month. I want this repossession taken off my credit as soon as possible. Once again they should be ashamed two accounts in a row?
Address XXXX XXXX XXXX Phone ( XXXX ) XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX
Phone ( XXXX ) XXXX FL XXXX Date Opened XX/XX/XXXX Last Payment Made XX/XX/XXXX Status Updated XX/XX/XXXX Balance {$16.00} Balance Updated XX/XX/XXXX ( bought same day I bought the XXXX XXXX from XX/XX/XXXXXXXX yet shows different open account date. They were both purchased atXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX fl XXXX Same day. My name only on both vehicles. One XXXXXX/XX/XXXXone XXXX XX/XX/XXXX ) So that is incorrect. Along with missed payments, payment amounts and I wasnt late on some they didnt even put me being late so how did it even get to being a repossession? I have bank statements etc I have sent to them yet they did their investigation and found nothing wrong with anything regarding this account on my credit. I want it removed. They have violated my Rights twice now on 2 auto loans.
Payments made that they have stated I didnt make are Date XX/XX/XXXX Paid {$560.00} on XX/XX/XXXX They are trying to say Original balance left owe on car ( XX/XX/XXXX ) is XXXX. That can not be possible because I made payments that is on their documentation but say i didnt make. I paid in XX/XX/XXXX, a payment of {$560.00} which the balance should be {$35000.00}. Then Paid {$560.00} on XX/XX/XXXX brought it too XXXX.
Then they say Status Account charged off. {$16000.00} written off.
{$16000.00} past due as of XX/XX/XXXX Status Updated XX/XX/XXXX Balance owed {$16.00} Balance Updated XX/XX/XXXX And some how keep getting it lower and lower but their numbers dont match one says XXXX and another says this. Balance Date XX/XX/XXXX Balance {$14.00} Scheduled Payment Paid {$240.00} on XX/XX/XXXX Date XX/XX/XXXX Balance {$15000.00}?
How is that possible? These are all inaccurate numbers that they just seem to come up with? None of the numbers add up with this car loan or do my missing payments and payments they have they just refuse to add them to their charts to make themselves look better. I as the consumer have been lied to, seen false documentation regarding this auto loan account and now repossession I have on my credit report. This is my last example.
This is your report with your payment documentation Date XXXX XXXX {$14000.00} Paid {$240.00} on XX/XX/XXXX (? ) Date XXXX XXXX {$15000.00} Paid {$4200.00} on XX/XX/XXXX (? ) Date XXXX XXXX {$19.00} I obviously paid but the dates are still XX/XX/XXXX therefore they are no given me credit for my payments. The amount goes down mathematically like it should. These are the discrepancies I have been dealing with and yet the credit agency comes back and wont take off my credit? This isnt right. Its illegal! It was disputed in XXXX XXXX, they refused to remove it.
XX/XX/XXXX Account Number XXXX Account Type Unsecured Responsibility C Individual Date Opened XX/XX/XXXX Status Account charged off. {$890.00} written off. {$890.00} past due as of XXXX XXXX.
Status Updated XXXX XXXX Balance {$890.00} Balance Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX ( XXXX ) XXXX Reinvestigation Info This item was updated from our processing of your dispute in XXXX XXXX never gave my written instructions to furnish an account, I would like it down please.
XXXX XXXX XXXX XXXX Account Number XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX I never gave written instructions to furnish an account.
XX/XX/XXXXAccount Number XXXX Account Type Collection Responsibility C Individual Date Opened XX/XX/XXXX Status Collection account.
{$380.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX Balance {$380.00} Balance Updated XX/XX/XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Did not give my written instructions to furnish this account XX/XX/XXXX Account Number XXXXXX/XX/XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$890.00} written off.
Status Updated XX/XX/XXXX BalanceXX/XX/XXXX Balance Updated XX/XX/XXXX Recent PaymentXX/XX/XXXX Monthly Payment XX/XX/XXXX Credit Limit {$300.00} Highest Balance {$890.00} XXXX XXXX XXXX, XXXX OR XXXX ( XXXX ) XXXX I did not give my written instructions to furnish an account These accounts have violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 section 602 A states section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
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11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
XXXX XXXX is now a collection account on my report. All 3 bureaus removed this due to identity theft and all 3 put them back on without notifying me. Please see my new ID theft report and remove these items within the 4 days as the law states.
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
XXXX XXXXSEE PREVIOUS ID Theft REPort XXXX XXXX XXXX-SEE PREVIOUS ID THEFT REPORT XXXX XXXX ( auto loan ) XXXX XXXX Funding Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information.
Sincerely, XXXX XXXX XXXX Enclosed : A copy of my Identity Theft Report Copies of my drivers license and social security card ( to verify my identity and address ) A copy of section 605B of the Fair Credit Reporting Act Also, please note : XXXX Please remove allnon-account holding inquiriesover 30 days old.
* Please add aPromotional Suppressionto my credit file.
Equifax, XXXX and XXXX continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX XXXX - account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.
Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately.
The accounts in question are below XXXX XXXX Account XXXX to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately.
XXXX XXXX Account XXXX to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately.
XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. This is a duplicate account reporting. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates.
XXXX XXXX Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m This is a charge off account I have no knowledge of and the balance should reflect XXXX per the FCRA. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m This is a charge off account I have no knowledge of and the balance should reflect XXXX per the FCRA. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates.
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXX CT GA XXXX Ive made multiple attempts to remove this reporting which has reached the status of limitations. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates.
THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 Bureau : Equifax Creditor/Furnisher : XXXX Status XXXX In Dispute Bureau XXXX Equifax Creditor/Furnisher : Incorrect personal information Status : Bureau : Equifax Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : XXXX XXXX XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXX XXXX Status XXXX In Dispute Bureau : XXXX Creditor/Furnisher : US SM BUS ADMIN ODA Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXX XXXX XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXX XXXX XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal information XXXX : Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : XXXX XXXX XXXXXXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXX XXXX XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal XXXX Status : If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately.
Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY..
AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.
If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately.
Again, CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY...
Thank you, XXXX XXXX
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05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I just found out my personal information including ssn and email login and password has been found in multiple data breaches including EQUIFAX DATA BREACH. These credit reporting agencies are reporting fraud information on my credit report. I've sent a letter to them more than 45 days .asking for method of verification. I asked for specific information regarding on how they carried out their investigation .They never responded to my request. This letter is my 2nd formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
1.What certified documents were reviewed to conclude your investigation?
2.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
3.What did it cost your company to obtain the documents needed to complete your investigation?
4.Please provide proof of your timely procurement of certified documents.
5.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
6.If yes to above : Who did you speak to?
7.On what date?
8.How long was the conversation?
9.What was their position?
10.What telephone number did you call?
11.What is the name of the employee of your company that spoke directly to the above party?
12.What is the position of the employee of your company that spoke directly to the above party?
13.How long has that employee been employed by your company?
14.What formal training was provided to this employee to investigate items of this kind?
15.Was there any e-mail or written communication between members of your company and the above party?
16.Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact 17.conducted a reasonable investigation of the account in question.
18.Provide the date of the commencement of delinquency.
19.Provide the SPECIFIC date reporting that these items will cease.
20.Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. You verified information as 100 % accurate that even the creditor XXXX sent me a letter stating that they have made arrangements to remove the account from my report. ( I'VE ATTCHED A COPY ) So how can it be verified. This on-going negligence has caused me many opportunities. I have XXXX alerts from experian identity monitor of many many breaches that my information was compromised and has been also found on the dark web markets for sale. ( also attached ). According to fcra 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
This should have never been on my credit report if proper laws were followed. At this point they are knowingly reporting fraudulent information thats far from being accurate .Comparing the accounts for the 2 different reporting agencies they dont even match up correctly. I've recently got legal advice from a lawyer and he agreed that this is bad and highly unacceptable and i probably should think about taking legal actions for violation of my rights. This has cost me lots of money and opportunities. Equifax has only kept updating information to more inaccurate information. They changed the information 4 times and i have i proof.
The accounts for EQUIFAX are XXXX XXXX # XXXX XXXX XXXX XXXX also a inquiry that i didnt give permission to anyone to do. Its XXXX XXXX XX/XX/23 The accounts for XXXX are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I Never received any service or goods from these places but they said i did. Well i would like to see your proof of me receiving goods. Real tangible physical proof. Not words.Also if you cant provide the all the above things I asked for in method of verification then remove these accounts IMMEDIATELY!!! I wasnt aware of Equifax data breach. How did my personal information get compromised.
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07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern, YOU BROKE THE LAW!!!
Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.
Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.
Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.
Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.
( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.
Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.
Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL ITEMS FROM MY CONSUMER RFEPORT ACCORDING TO EXHIBIT A EXHIBIT A XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$50.00} {$50.00} No. of Months ( terms ) : - - High Credit : {$50.00} {$50.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection Medical Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$36.00} {$36.00} {$36.00} No. of Months ( terms ) : 0 0 0 High Credit : {$610.00} {$0.00} {$610.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$36.00} {$36.00} {$36.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor.
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$800.00} {$800.00} {$800.00} No. of Months ( terms ) : 0 0 0 High Credit : {$800.00} {$0.00} {$800.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$800.00} {$800.00} {$800.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt First payment never received First payment never received.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$800.00} {$800.00} {$800.00} No. of Months ( terms ) : 0 0 0 High Credit : {$800.00} {$0.00} {$800.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$800.00} {$800.00} {$800.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt First payment never received First payment never received.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Two-Year payment history
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02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
Good afternoon, I have been requesting that this erroneous information to be removed for almost 3 years. XXXX has NOT responded, and XXXX says its up to XXXX to remove the information. I need assistance to be heard in the midst of an ongoing financial hardship for me. Please see attached dispute requests to all 3 bureaus and XXXX.
4 ) XX/XX/XXXX Request to DELETE inaccurate information Update credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX EQUIFAX XXXX XXXX.
XXXX XXXX XXXX, XXXX XXXX RE : ss # - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Request to Delete and correct information that is being reported inaccurately on my credit report that includes my being declined by the XXXX XXXX XXXX XXXX XXXX because of various security breaches, and possible tampering with the information that has negatively impacted my credit scores, history, and overall rating. Please review the information, and please re-send information to the 2 creditors that ( may have ) received information that is inaccurate and or erroneous if not just wrong in reference to my fair credit reporting bill of rights.
Thank You Respectfully, XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX Description of Loss or Money Spent and Supporting Documents I have attached the DECLINE letter from XXXX. Due to the ( shared ), and inaccurate reporting of your agency ( s ), I was turned down for my XXXX XXXX XXXX XXXX request # XXXX in the amount of : ( XXXX ). I have experienced major financial devastation because of this INACCURATE information being reported. My credit rating is continuing to suffer because the inaccurate information has not been DELETED from my credit history, to allow for a review by the XXXX XXXX. Thank You. Respectfully, XXXX.
3 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS # XXXX / XXXX XXXX Please be advised. I have attached 4 pages that are TRUE copies of my current credit report, that includes the summary of the student loans that were DELETED from my credit report on XXXX, XXXX, XXXX.
As to date your agency is still reporting INACCURATE information to the credit bureaus including XXXX ( see attached page ( 4/orange ) and XXXX ( see attached 3 pages/pink ).
I have been requesting that this INACCURATE information be corrected as it is continuing to cause financial hardships for me in terms of ERRONEOUS information being provided publically, that is MISREPRESENTATIVE of my otherwise pristine payment history.
Please refer to the attached pages : NOTE : It is impossible to have a total debt of : XXXX AFTER 11 accounts have been XXXXd out as XXXX BALANCE / XXXX PAYMENT I am AGAIN asking the source of this erroneous, misleading, and inaccurate information to correct AND remove the XXXX, balance owed and correct to information to reflect XXXX BALANCE OWED/ XXXX PAYMENTS DUE from ALL THREE reporting agencies.
These NEGATIVE listings must be removed within 30 days according to : Section 611, ( 15U.S.C. 1681i ) of the FAIR CREDIT REPORTING ACT, paragraph 2 Section ( A ).
If this matter has not been resolved in this time frame, I will have no option but to take the necessary steps to act in my own best interests.
Thank You Respectfully, XXXX XXXX XXXX XXXX ).
XXXX XXXX again Credit Limit Decrease : XXXX XXXX XXXXXXXX/DEPT OF ED lowered your credit limit.
Financial Yesterday XXXX/DEPT OF ED lowered your Credit Limit XXXX {$45000.00}.
Source : XXXX XXXX : XXXXDEPT OF ED Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : ( XXXX ) XXXX Activity : Education Previous Limit : {$45000.00} New Limit : {$45000.00} 1 ) RE : ss # - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Request to Delete and correct information that is being reported inaccurately on my credit report that includes my being declined by the XXXX XXXX XXXX XXXX XXXX because of various security breaches, and possible tampering with the information that has negatively impacted my credit scores, history, and overall rating. Please review the information, and please re-send information to the 2 creditors that ( may have ) received information that is inaccurate and or erroneous if not just wrong in reference to my fair credit reporting bill of rights.
Thank You XXXX XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX TX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Please be advised, I am hereby making a formal complaint about the inaccuracies that your agency, recently reported to XXXX XXXX XXXXXXXX XXXX
The inaccuracies begin with : 1. The collection accounts : are in fact NOT collections and are covered under the Covid:19 PAUSE from the US Government XXXX
2. The collection accounts that your agency is inaccurately reporting were consolidated in XX/XX/XXXX.
Utilization of credit ( percentage ) The inaccuracy here is that your agency falsely Reported that I was utilizing 95 % of my credit line which is NOT true. On XX/XX/XXXX, my credit usage was below 55 % of my available credit.
On XX/XX/XXXX your agency inaccurately reported my credit score to XXXX XXXX XXXX to be : XXXX when your agency on the same day rated my score as : XXXX XXXX XXXX which is your company affiliate.
Nothing in your reporting of my credit history is accurate, as well the denial from XXXX XXXX XXXX has caused a drop in my credit scores, I have an inquiry that did NOT result in a NEW line of credit, based on the inaccuracies and obsolete information that your agency is reporting on my Credit report/history.
Because of this DENIAL OF CREDIT I would like to receive a FREE copy of my full credit report.
I have attached a copy of the original letter of denial AND a copy of a utility to verify my residential address.
Please DO NOT make excuses for delaying the process of correcting and DELETING the negative and inaccurate information that your agency is currently reporting that is causing financial harm and undue damage to the establishment of a solid financial base.
Thank you for your time and attention dedicated to the resolution and updates to my credit report. I look forward to receiving my FREE credit report.
Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX
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09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 States " I have the right to Privacy ''. 15 U.S.C 1681 Section 604 A section 2 " it also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Alleged Fraud, Violation of Consumer Rights, and Inaccurate Information on Credit Report Thorough Investigation into the Acquisition of Fraudulent and Inaccurate Information from Third-Party Creditors I write and address serious concerns regarding the credit reporting practices of your consumer reporting agency. As an esteemed well-versed in the intricacies of consumer rights and protection, it is incumbent upon me to fully protect the interests and well-being of my integrity permissible under the law. Considering the allegations regarding the fraudulent inclusion of information from third-party creditors on their credit report, it is of paramount importance that a thorough examination be undertaken to ascertain the precise steps taken by your institution to validate the accuracy and veracity of the information in question. To this end, I kindly request that you provide a comprehensive and detailed account of the procedures, protocols, and mechanisms employed to acquire and verify the information attributed to these third-party creditors. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 5 ) ( A ), I have the unequivocal right to request that any information on their credit report which is inaccurate, incomplete, or unverifiable be promptly deleted in order to ensure the accuracy and integrity of their credit profile. It is of paramount importance that you fulfill this legal obligation as delineated in the aforementioned provision. Drawing reference from FCRA 15 USC Section 1681i, it is evident that any information contained within the credit report must be accurate. In this instance, I have identified discrepancies and inaccuracies within the report, thereby necessitating the immediate rectification of these deficiencies. Moreover, FCRA 1681a ( 2 ) A ( i ) posits that credit reports must solely encompass information regarding transactions or experiences between the consumer and the entity responsible for reporting such activities. Therefore, any extraneous or irrelevant information must be expunged from my credit report promptly. With the utmost regard for personal privacy and consent, as assured by 15 USC 1681 Section 602, I affirm right to privacy and non-consensual dissemination of personal information to third parties. It is therefore imperative that you conform to these statutory provisions and refrain from disclosing my information without their explicit written authorization. In alignment with 15 USC 1681 Section 604 subsection 2, it is unequivocally stated that no consumer reporting agency, such as yourself, may furnish an account without prior written instructions from the consumer. I emphasize that I HAVE NOT provided written instructions to XXXX and XXXX in any form, rendering any disclosure by your institution a clear violation of their statutory rights under the FCRA. Furthermore, in reference to 15 USC 1666B, it is explicitly outlined that a creditor may not classify a payment on a credit card account as late within an open-end consumer plan for any purpose. ANY attempts to do so would constitute a serious breach of the law and a detrimental infringement upon my rights as a consumer. I also kindly request that you provide me with any pertinent information regarding past lawsuits or legal actions initiated against your AGENY due to fraudulent practices on consumer credit reports. Such documentation will prove invaluable in assessing the extent of your legal liabilities. It is incumbent upon your agency to meticulously outline the specific actions taken to authenticate the reliability and credibility of the information procured from these third-party creditors. I demand an exhaustive, step-by-step account of the measures implemented to ensure the accuracy and integrity of the information before its inclusion in their credit report. Furthermore, please clarify the nature of the relationship between you company and these third-party creditors, including any contractual agreements, financial arrangements, or affiliations that facilitate the exchange of consumer data. In the interest of transparency and clarity, it is essential that you disclose the details of any individuals, companies, or entities directly involved in the alleged fraudulent scheme. I intend to build a compelling case based on irrefutable evidence, incorporating the relevant provisions of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) other pertinent consumer protection laws. Therefore, any information pertaining to the identity of those responsible for perpetrating or facilitating this wrongdoing will greatly contribute to the efficacy and strength of our legal proceedings. Please understand that I am fully aware of my rights as a consumer and are determined to protect MY rights vigilantly. I also write to formally requesting a comprehensive and meticulous investigation into the origin, acquisition, and dissemination of fraudulent and inaccurate information attributed to third-party creditors on my credit report. I strive to ensure that I protect my rights and they are upheld with the utmost rigor and dedication. In your response, I implore you to employ precise and articulate language, adhering to the highest standards expected from a reputable financial institution. The provision of concise and unambiguous explanations, utilizing industry-specific terminology, will facilitate my understanding of the intricacies involved in this alleged fraudulent scheme. Thank you Consumer Financial Protection Bureau ( CFPB ), for keeping track of all the reports that I have sent out to you, as the credit reporting agency has ignored my request, SEVERAL TIMES. They have indeed broken the laws and this letter will be public on social outlets. Therefore, with this information, fines will be granted due to their fraudulent acts
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04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
I am writing your office to seek proper justice in regards to an ongoing issue that I am having with Equifax. The issue started back in late XXXX when I fell victim to identity theft, as a result of an Equifax data breach. At the time, I sent a letter to Equifax requesting them to block fraudulent accounts from my credit file, pursuant of section 605B of the Fair Credit Reporting Act. However, Equifax refused and stated that they conducted an investigation that resulted in the data furnishers verifying that the accounts in question belonged to me. This was incorrect, as an example, I had a letter from XXXX ( one of the data furnishers ) that supports my claim. When I further pushed this issue with Equifax, they made the decision to label the accounts as Consumers Dispute Reinvestigation in Progress.
In late XXXX, I ended up having to file for Bankruptcy due to a loss of employment as a result of COVID-19. At this time, I started trying to clear up my credit report since I work in the financial services industry. On XX/XX/XXXX, I reached out Equifax Customer Service at XXXX and spoke to an International Agent. I requested that she remove the Consumers Dispute Reinvestigation in Progress remark from three ( 3 ) of my accounts that were included in the Bankruptcy, since the investigations were completed over a year ago and she said that the remarks were going to be removed. After five ( 5 ) separate attempts from XX/XX/XXXX through XX/XX/XXXX, they have been unable to simply remove the remark from the three accounts, even though they have confirmed that the accounts are NOT in a dispute status and told me that the remarks will be removed within 48 hours each time that I called.
I called again on XX/XX/XXXX and spent 41 minutes on the phone with another International Agent ( XXXX XXXX that wanted to initiate a 30 days dispute, even though I explained to him that I am not trying to dispute the accounts, but simply asking for the Consumers Dispute Reinvestigation in Progress remark to be removed. I then asked to speak to a Supervisor and I was connected with XXXX ( the Supervisor ) who again looked into my Credit File and stated that the remark will be removed within 48 hours and provided me with a confirmation number. XXXX also told me to track the status through MY.EQUIFAX.COM.
On XX/XX/XXXX, I logged onto MY.EQUIFAX.COM and noticed that Equifax has completed the investigation, but the remark is still showing when I refresh my credit report. At this time, I called Equifax again and requested to be transferred to a U.S. Agent, but the Agent refused and stated that she would need to verify my information and take a look at my credit file first. This made no sense since the system had already verified me, I have to provide personal information and had a verification code sent to my phone. The agent kept pushing for me to verify my information, therefore, I did so in hopes that maybe this time, things would get resolved. At the end of the call, the agent kept going around in circles, at which point, I requested to speak with a supervisor. The agent then placed me on hold and came back and told me that I would have to would have to wait for a significant time to wait for a supervisor. Given the run around that I had been getting, the wait was necessary and I made the choice to do so. When the supervisor, XXXX, finally came to the line, she was irate that she had to deal with the issue and felt that she should not have to talk with me. XXXX also refused to transfer me to a U.S. Agent. Instead, she provided me with a phone number to call ( XXXX ). When I called this number, it directed me to another international agent in the same department. The agent that then answered the phone told me that even though the number is for Equifax-U.S., the number does not get routed to the U.S. All together on XX/XX/XXXX ( please see the attached call log ) I spent another 2 hours on the phone.
On XX/XX/XXXX, I received my bankruptcy discharge. On XX/XX/XXXX, I sent Equifax a letter along with a copy of the bankruptcy discharge order by certified mail asking them to please make sure that all of the accounts included in the bankruptcy are being reported accurately on my credit report. I also included in the letter a copy of the accounts as they currently were appearing on my credit report along with a copy of my drivers license and social security card.
Upon checking my Equifax credit report on XX/XX/XXXX, I noticed that Equifax is now reporting the accounts that were discharged in bankruptcy as open derogatory accounts. This is incorrect not only due to the bankruptcy order, but also because prior to the bankruptcy discharge, the accounts were all previously closed. Given that this incorrect reporting is impacting 15 accounts, I called Equifax on XX/XX/XXXX, to have the error made by their agent rectified and have the accounts deleted from my credit report. The agent that answered the phone refused to correct their error and instead stated that they had to conduct a 30-day dispute. This is their error and with the proof of the bankruptcy discharge along with the prior credit reports showing that these accounts were closed that I sent, and they received, there should be no need for a dispute. Once again, I received a run around, at which point I requested to be transferred to the consumer affairs department. Rather than transfer me, they hung up on me. This interaction took up another 2.5 hours on the phone, and did not get anything resolved. All that I ended up with was more frustration. In addition, I believe that Equifax Agents are now retaliating against me after the XX/XX/XXXX incident, since all of a sudden I am unable to pull my annual credit report and I am being asked to jump through additional hoops to provide verification every time that I called.
I am currently pursuing job interviews that will require my credit being pulled. Their erroneous reporting could have a negative impact on my ability to acquire gainful employment. My hope is that you can intercede and assist me in getting this matter resolved. As you can see, I have made valiant efforts to do this myself, but feel that someone with more authority needs to assist me as they are in violation of fair credit reporting practices and guidelines.
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05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My Complaint Re : Equifax During the month of XX/XX/XXXX/XX/XX/XXXX so I contacted Equifax ( hereafter referred to as EQ ) and spoke to a representative whom advised I had to send identifying documents in order to dispute and correct any information on my credit report.
On XX/XX/XXXX I mailed via XXXX copies of State issused D/L, SS Card, Bank Statement, Ins Card, Cable Bill ( all stapled together ). ( EXIBIT # 1 ) A letter enclosed requested the following corrections to my report : 1. My name correction ( the report showed my name as XXXX XXXX ). XXXX is different name, not my name at all. The D/L, SS Card and bills I sent ; all reflect my correct name. ( XXXX XXXX XXXX ). I advised in the letter to Equifax to correct my name to reflect what is on my government issued documents.
2. Address removals and corrections that were not my addresses. EQ was advised to include my current address and to remove about 5 erroneous address that were not mine.
3. Removal of the XXXX XXXX ( XXXX ) collection {$210.00}. account does not belong to me.
On or about XX/XX/XXXX, I received Equifax Dispute Results in the mail at MY NEW ADDRESS. The report is dated XX/XX/XXXX -report # XXXX. The report still showed the name as XXXX XXXX ( EQ did not make correction ) EQ further concluded in this report that my ADDRESS information was UPDATED per information I supplied. ( EXIBIT # 2 ) OMG, I could not believe this. EQ changed address, but not the name. WOW!, XXXX is a different name from XXXX. They are two totally different names, XXXX is my birth name and is reflected as such on all of my legal documents. Yet, EQ failed to correct this and instead sent an updated dispute report to me at my current address without making the most critical and sensitive corrections on my file, my name. How did EQ know to whom were they sending this report.
On or about XX/XX/XXXX I then received a full credit report from EQ. Here again, in the name on the file still shows XXXX XXXX, now at my address for XXXX XXXX XXXX. Hmm! This really was disturbing to me. So on XX/XX/XXXX at XXXX I called EQ and spoke to a lady named XXXX. She stated that the documents I mailed on XX/XX/XXXX were received by EQ, and on or about XXXX the documents were uploaded to their system, however, the D/L was not uploaded because EQ could not read the documents or they were not clear, she stated. I advised XXXX that all copies were in color and very clear to view. You can not get any clearer than a professional copy machine from an office supply print shop ( note ; the same documents were sent to XXXX and XXXX XXXX, with no problems ).
XXXX went on to state to me that the addresses were removed and updated per my letter, but they were not able to correct my name since they were not able to read the D/L copy I sent. And I needed resubmit all they documents once again. XXXX did advise I could fax documents to fax # XXXX, and include a cover letter again. ( Exibit # 3 ) Items faxed.I faxed all again on XX/XX/XXXX Hmm! This is quite baffling, as I can read it quit clear as can anyone else. So I was really disturbed by this. Because Identification is what is used to determine if a person is who they say they are. Not a cable bill, ect. Yet EQ changed the address before obtaining a D/L that they could confirm is me. Hmm!
After no really being satisfied with EQ and their process in handling my file I decided to call EQ again on XX/XX/XXXX and I Spoke to a Man name XXXX ( supervisor ) .i wanted to confirm my documents were now received via fax and is my file corrected. XXXX claimed my fax was received and uploaded to EQ. he was not able to advise if they were readable. He was not able disclose the exact date the fax was received. This is truly insane. Disclosing a date you received my fax! Omg that is not top secret. He simply kept reading a script, I presumed, advising that he could not disclose any information, I would be receiving a letter in in 3-5 days. Yet not able to even tell me if they could read the Documents. This is absurd, Incompetent, and anything else you can think of.
So now it is XX/XX/XXXX, I have received nothing. I even have a XXXX Confirmed delivery account. Nothing is even on the way to me from EQ.
They have failed to properly process my file. Total violation. Do I have a case here?
FINAL SUMMARY OF COMPLAINTpersonal information has been sent to EQ, not once but twice ; mail and fax. Who has possession of my personal information at EQ? What is EQ doing with my personal information? If my D/L was not clear for EQ to read, as they claim, who then made a decision to send these credit reports to me at my address? Equifax made a decision to change my address and reflect the change on the credit report on XXXX without getting a 2nd copy of my drivers license which was not faxed over until XXXX ) as requested. This could have compromised my personal identify due to EQ failing to verify my D/L that they claim they could not read.
Why would my report be changed if my D/L was not legible? This meant EQ made address changes based upon my letter and Utility bills and bank statement? Hmmm! Since when do these papers identify a person? This is not acceptable because those documents do not prove that a person is who they say they are. It is only the government issued Identification. Bills only confirm an address to the named person.
COMPLAINT 1. The named person on my file is not my name My Documents have been mailed and faxed. Corrected per my government issued Identification COMPLAINT 2. The addresses have been corrected. Pursuant to my request in my letter. Not my D/L, because they claim they could not read it. hm!
COMPLAINT XXXX. XXXX XXXX collection was disputed on XX/XX/XXXX in my initial letter mailed XXXX and confirmed receive by XXXX. That account appears to belong to a XXXX XXXX, therefore, this account is not my account. EQ sen me a report in the name of XXXX XXXX and advised me that the creditor confirmed it was my account. Hmm! how is that so, my name is not XXXX XXXX, therefore, EQ has failed to effectively and unlalwfully dispute an item on my report. This dispute is not been processed in accordance with FCRA guidelines. Disputed XXXX it is over the 30 days and It is not done accurately and timely, This item is to be removed immediately
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04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XXXX XXXX XXXX XXXX : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX XXXX : XX/XX/XXXX Please remove it from my credit report.
XXXX XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report.
4. XXXX XXXXXXXX XXXX XXXX : XXXX Please remove it from my credit report.
5. XXXX XXXX XXXX : XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
XXXX XXXX XXXX Balance Owed : {$0.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.
XXXX XXXX Balance Owed : {$520.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and Federal Insurance Act. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.
XXXX XXXX XXXX XXXX : {$1700.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file.
XXXX XXXX XXXX XXXX : {$2700.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
XXXX XXXX XXXX XXXX : {$3500.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you.
XXXX XXXX XXXX XXXX : {$1400.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
XXXX XXXX XXXX XXXX : {$1700.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you.
XXXX XXXX XXXX XXXX : {$600.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file.
XXXX XXXX XXXX Balance Owed : {$49.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.
XXXX XXXX XXXX XXXX : {$2100.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
XXXX XXXX XXXX XXXX : {$910.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you.
XXXX XXXX XXXX XXXX : {$910.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
XXXX XXXX XXXX Balance Owed : {$0.00} - An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Thank you.
XXXX XXXX XXXX XXXX : {$2300.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
XXXX XXXX XXXX Balance Owed : {$8200.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
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07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX Account Number XXXXX I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX XXXX to have the account XXXX XXXX removed from my credit report. XXXX removed this account from my credit and These items where place back on my credit report by XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX XXXX ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a XXXX that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.
According to Fair Credit Report Act 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( B ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Also15 USC 1681i ( B ) ( i ) ( ii ) ( iii ) ( I ) ( II ) ( III ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information as part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted.
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information According to the Fair Credit Reporting Act 15 USC 1681 I ( 2 ) ( A ) ( B ) ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
15 USC 1681 I ( 5 ) ( i ) ( ii ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
My Rights have been violated according to the Fair Credit Reporting Act.
I have attached deletion letter from XXXX and I attached a copy of the Report Filed with XXXX XXXX XXXX
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03/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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XX/XX/XXXX I began working with a Realtor so that I could find a house to purchase here in XXXX XXXX, CA.
XX/XX/XXXX I began working with a mortgage company to begin processing the paperwork to secure funding for a house.
XX/XX/XXXX Loan officer called me to let me know that they were unable to pull my Equifax consumer report due to incorrect information being submitted on the request. At this point, my XXXX and XXXX reports had already been received.
XX/XX/XXXX Called Equifax to report this problem and to obtain details so that I could work on a resolution. I explained the problem that my loan officer was reporting to the Equifax representative. She informed me that the request for my consumer report was not able to be completed because Equifax had the incorrect address, an address that I had not lived at for about 4 years. The representative told me that I would need to submit a copy of my driver 's license, W2, and paystub, all showing my current address, before they could assist me so I thanked her for her help and ended the call, after obtaining the correct fax number. I faxed the requested documents to Equifax and called back to obtain a confirmation number so that I could track my request online thorugh Equifax ' website. The representative told me that he could not assist me because their system had not yet processed the information I submit. I explained to the representative that I could not track the request online, because their system had outdated information and the website told me to contact customer service for assistance. Each time I would attempt to explain that I was aware that it would take up to 48 hours for their dispute team to process my request, but that their website would not allow me access to my information and prompted me to call customer support, he reverted right back to the script that he was undoubtedly provided by Equifax, stating that I must fax the information and allow 48 hours for processing. I attempted to explain that because my loan officer required this third consumer report prior to finalizing my funding documents and that a delay may result in my not getting the house that I had been attempting to purchase, but he became agitated. He proceeded to tell me that I was " not listening '' to him and " what part of fax your documents to us do you not understand? ". I told the representative that I was done with the call and would be noting my frustration be answering questions on the phone survey that I was asked to participate in at the beginning of the phone call, but I was placed on hold. After quite some time and some frustration I finally decided to allow 48 hours for them to process my request and ended the call.
XX/XX/XXXX My loan officer attempted to pull my consumer report again, but received the same error message.
XX/XX/XXXX I called Equifax to check the status of my request. Customer service informed me that they received the fax with my pay stub and XXXX, but did not receive the copy of my driver 's license. I informed the representative that all documents were sent on the same page, and that they should have received it. I was told that if the copy is not legible, they would disregard it. I explained my predicament about how I was on a time crunch and that any further delay may result in my not getting the house that I wanted. I was told that Equifax has 48 business hours, and not 48 regular hours, to meet any request and that I should count myself lucky that two of the documents were already processed earlier than expected. I explained that this does me no good, if the document not received was the only document that required in order to change my current address in their system. I was told that I should wait a " few more days '' and call back after faxing over the copy of my driver 's license again. I reiterated that I was in a time sensitive situation and that I may not have 3 days to wait for my own information to be released, only to be told that the information was theirs and that they provide a service to me at no cost. I ended the call without saying another word. at XXXX XXXX, I faxed over three copies of my driver 's license and did this two separate time, including notation on the cover page that I was faxing multiple copies through two different fax transmissions in the event that the second fax of my driver 's license was not received again. I called back at the end of the day to check the status of my request and was told that I would have to wait an additional 48 hours for their dispute team to verify my 2nd and 3rd fax containing my driver 's license. After many attempts to explain my situation and ask for a supervisor I was told that I would have to wait and that there were nothing more they could do for me.
XX/XX/XXXX I called back and let the customer service representative know that I wanted to get the status of my request to update my current address. I was told that I could check the status online. I let the representative know that there was a problem logging into their website with my information, with the system stating that the information I was using to access my account was incorrect. I let her know that I called previously and that my information was not fully received and that I was calling to see if this had been completed so that I could finalize my mortgage documents. She told me that 48 hours after my faxing the required document would be tomorrow and I was told to call back tomorrow afternoon.
-The home buying process can already be incredibly stressful without having issues such as the one listed above. Equifax has my consumer report hostage and I have yet to receive a resolution. I am hoping that intervention from an outside agency is not required in order to reach a resolution to Equifax ' system issue, but I wanted my situation to be reported to those out there in hopes that others will come forward to report any problems they have experienced with Equifax as to prepare others for a possibly time consuming situation. Check with each of the credit bureaus to verify your information if you are even slightly considering purchasing a home. I can not believe how such a life changing decision, such as home buying, can be severely impacted and potentially thwarted by a credit reporting agency.
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03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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RE : Accounts Below Listed - XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX, give this Notice as the Subrogee and Obligor, I am formally requesting that you immediately remove any late payments associated with this above-referenced account. As I am currently doing my due diligence process to ensure all guidelines are being met by Equity Doctrines, TILA, Dodd-Frank Wall Street Reform and Consumer Protection Act, and the Consumer Financial Protection Act of 2010. While this is taking place it is completely unlawful to report an account as being late. Please adhere to Title 15 U.S.C. 1666 ( a ) and 1666 ( b ). No consent has been given for adverse reporting by the surety.
Take Notice. The undersigned natural person as Surety and Trust Beneficiary, XXXX XXXX XXXX swear and declare as follows under a penalty of perjury : This notice is regarding relation in regards to Suretyship between myself and the Principal Debtor assumed name XXXX XXXX, and your organization as implied Trustee. I invoke my equitable right of subrogation regarding this debt and seek restitution. In addition, this notice is also regarding the participation in a consumer credit transaction and not a loan ; pursuant to 15 U.S. Code 1602 ( i ) ; No proof of original contract and signature, no valid debt verification, no evidence of itemized billing to distinguish finance charge, and no proof of authority to collect debt in the state of North Carolina has been received, after mailed information requests for said information. No evidence that a commercial and economic loss on the balance sheet has been provided by the listed accounts XXXX, to rectify this matter and it has yet to be resolved.
Take Notice. In Newby v. Enron Corp., 188 F. Supp. 2d 684 ( S.D. Tex. 2002 ) the Court held that federal courts have the equity jurisdiction that was exercised by the English Court of Chancery " `at the time of the adoption of the Constitution and the enactment of the original Judiciary Act, 1789 ( 1 Stat. 73 ). ' '' Id. at 318, 119 S. Ct. 1961 ( quoting DOBIE, HANDBOOK OF FEDERAL JURISDICTION AND PROCEDURE 660 ( 1928 ) ). The Court further noted that regardless of the merger of the formerly separate courts of law and equity by the Federal Rules of Civil Procedure, " `the substantive principles of Courts of Chancery remain unaffected. ' '' Id. at 322, 119 S. Ct. 1961 ( quoting Stainback v. Mo Hock Ke Lok Po, 336 U.S. 368, 382 n. 26, 69 S. Ct. 606, 93 L. Ed. 741 ( 1949 ) ).
Take Notice. Equitable Subrogation is forward looking rooted in the equity maxim... equity regards done what ought to be done. Equitable subrogation is not founded upon contract, but is the creation of equity, and is enforced solely for accomplishing the end of substantial justice. It is the mode by which equity adopts to compel the ultimate payment of a debt by one who, in justice and good conscience, ought to pay. Equity delights in equality. Equity will not suffer a wrong without remedy. Equity will not allow a statute to be used as a cloak for fraud.
Take Notice. " The same equity which seeks to prevent unearned en-richment of one party, at the expense of another, by actions for reimbursement, con-tribution, and exoneration, operates here, by creating a relation somewhat analogous to a constructive trust, in favor of the subrogee, or party making the payment, in all legal rights held by the creditor, and the subrogee may proceed to enforce the trust. '' 5 POMEROY, EQUITY JURISPRUDENCE, 4th ed., sec . 2343 ( 1919 ). Lackawanna Trust Co. v. Gomeringer, 236 Pa. 179, 84 Atl. 757 ( 1912 ). Pomeroy has had in this respect a profound influence on American courts who were evidently led to conceive of sub-rogation as but another remedy for unjust enrichment ; but the early cases will hardly support sc ) broad a statement. The similarity between liens and subrogation is obvious where subrogation results in a lien. But the similarity to which we here refer lies both in the equities upon which such relief is based and in the method of enforcement.
Take Notice. Subrogation the substitution of one ( person ) in the place of another with reference to a lawful claim, demand, or right, so that he or she who is substituted succeeds to the rights of the other in relation to the debt or claim, and its rights, remedies, or securities. Subrogation. ( n.d. ) A Law Dictionary, Adapted to the Constitution and Laws of the United States. By John Bouvier ( 1856 ) Take Notice. The substitution of one thing for another, or of one person into the place of another with respect to rights, claims, or securities. Subrogation denotes the putting a third person who has paid a debt in the place of the creditor to whom he has paid it, so as that he may exercise against the debtor all SUBROGATION SUBSTANTIALDAMAGES, the rights which the creditor, if unpaid, might have done. The equity by which a person who is secondarily liable for a debt, and has paid it, is put in the place of the creditor, so as to entitle to make use of all the securities and remedies possessed by the creditor, in order to enforce the right of exoneration as against the principal debtor, or of contribution against others who are liable in the same rank as himself. See Blacks Law Dictionary 2nd Edition Take Notice. Title 15 U.S. Code 1611- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Take Notice. Title 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Take Notice. Title 15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Notice to Agent is Notice to Principal - Notice to Principal is Notice to Agent.
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03/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful then one of the pet told me they cant dispute these fraudulent accounts and that it wasn't nothing personal which I found very rude which makes me even more depressed now because this is personal because it on my personal credit report they are a very abusive company and don't want to help what so ever I have very low credit utilization. I have 5 negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative accounts its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. AND THEY DID NOT NOTIFY ME THEY PLACED THIS FRAUDULENT ACCOUNT BACK ON MY CONSUMER REPORT defamation of character OF MY NAME SO NOW I WILL BE FILING LITIGATION IN COURT because y'all are making me depressed
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04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the inaccurate and misleading information on my credit report regarding the account with XXXX ( Original Creditor : MEDICAL ) with account number XXXX.
According to my credit report, the account type is showing as open when it is actually a collection account. Additionally, the creditor failed to notify me of the sale or transfer of the debt to a collection agency within 30 days, which is a violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, the collection agency did not provide me with a written notice within five days of their initial contact, which is a violation of Section 809 ( a ) of the Fair Debt Collection Practices Act ( FDCPA ).
This inaccurate information has had a significant impact on my life. It has made it difficult for me to secure loans, obtain housing, and even gain employment. This situation has caused me a great deal of stress and XXXX, as I have been struggling to make ends meet due to the negative impact on my credit score.
Firstly, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) account number XXXX is inaccurately reported by both XXXX and Equifax. While Equifax shows a balance of {$250.00}, XXXX did not report any balance. Additionally, XXXX shows the number of months ( terms ) as one month, while Equifax does not report anything. XXXX also shows the payment status as debt included in or discharged through XXXX XXXXXXXX XXXX, XXXX, or XXXX, while Equifax shows it as unpaid. Furthermore, XXXX reports the last reported date as XX/XX/XXXX, while Equifax did not report anything. Lastly, XXXX reports the date last active as XX/XX/XXXX, while Equifax reports XX/XX/XXXX.
These inaccuracies violate FCRA Section 623 ( a ) ( 2 ), which requires the creditor to notify the consumer of the sale or transfer of the debt to a collection agency within 30 days. Additionally, FCRA Section 623 ( a ) ( 5 ) requires the creditor to report the correct balance on the credit report, which was not done in this case. FCRA Section 623 ( a ) ( 7 ) also prohibits the inaccurate reporting of the account status, which is evident in the conflicting information between XXXX and Equifax.
Moreover, the false representation of the debt by XXXX XXXX XXXX also violates FDCPA Section 807 ( 2 ) ( A ).
XXXX XXXX XXXX I have reviewed my credit report from XXXX and noticed some inaccurate information that has affected my credit score negatively. I am requesting that the creditor correct the errors in accordance with the FCRA.
First, according to XXXX, I was reported as 120 days late on XX/XX/XXXX, but I did not miss any payments on this account. I have never received any notifications from them regarding this 120 days past due account, and they have not provided any paperwork to support their claim. This inaccurate reporting has had a significant impact on my credit score and has caused me a great deal of stress and XXXX.
In addition, XXXX is reporting the payment status as 120 days past due, which is not accurate. According to my records, I have made all payments on time and in full. This inaccurate reporting has also had a negative impact on my credit score.
Furthermore, XXXX XXXX has failed to notify me of the delinquency on my account within 30 days of it being reported to the credit bureaus, as required by Section 623 ( a ) ( 2 ) of the FCRA. This failure to notify me has caused confusion and made it difficult for me to take the necessary steps to address any potential issues.
XXXX XXXX XXXX I have reviewed my credit report and found several errors that have negatively impacted my credit score and my ability to secure loans and credit cards.
Firstly, according to XXXX, I was reported as 120 days late on XX/XX/XXXX, but I did not miss any payments on my XXXX XXXX account. Additionally, XXXX is showing the account as 120 days past due, which is not accurate, as I have never received any notification or paperwork from XXXX XXXX regarding this account status. These violations are in violation of Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 5 ), and Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ).
Furthermore, XXXX XXXX and XXXX have failed to send me a written validation notice within five days of their initial communication, as required by Section 807 ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). This is a violation of my rights as a consumer and has caused me undue stress and XXXX.
XXXX XXXX XXXX According to XXXX, I was 120 days late on XX/XX/XXXX, but I have never missed a payment on this account. Additionally, XXXX is reporting the payment status as 120 days past due, despite never receiving any notification or paperwork from XXXX XXXX regarding this delinquency.
I believe that XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the following violations have occurred : FCRA Violations : Section 623 ( a ) ( 2 ) - XXXX XXXX failed to notify me of the delinquency on my account within 30 days of it being reported to the credit bureaus.
Section 623 ( a ) ( 5 ) - XXXX inaccurately reported my payment history by showing a 120-day late payment that I did not actually make.
Section 623 ( a ) ( 7 ) - XXXX inaccurately reported my account status by showing the account as 120 days past due, which is not accurate.
FDCPA Violations : Section 807 ( 8 ) - XXXX XXXX failed to send me a written validation notice within five days of the initial communication with me.
These inaccuracies and violations have had a significant impact on my life. As a result of the false information on my credit report, I have been denied credit, housing, and employment opportunities. This has caused me immense financial and emotional distress, as I am unable to achieve my goals and provide for myself and my family.
I am requesting that the CFPB enforce the legal provisions outlined in the FCRA and FDCPA to ensure that XXXX XXXX removes these unverified accounts from my credit report. I also request that XXXX XXXX provide me with any and all documentation related to this account, including proof of any missed payments or delinquencies.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Unauthorized inquiries on my consumer report- Please delete.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also it is illegal to report any late payments on my consumer report- please delete any.
My balances are outdated and I have written to each of the 3 credit bureaus to ask them to bring them current and they have delayed-please update balances on all accounts.
These actions are causing severe hardship for me.
15 U.S. Code 1692d debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 )? [ 1 ] of this title. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 )? [ 1 ] of this title.
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01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX, my identity was stolen and used to fraudulently open various accounts. I was alerted to this when I was mailed a XXXX debit card for an account I never opened. After quickly reporting the fraud on XX/XX/XXXX and XX/XX/XXXX and alerting the credit bureaus and filing an FTC report, I began pulling my credit history to check on other possible fraud attempts.
Another fraud account with XXXX appeared ; the thief attempted to acquire a loan in my name, which resulted in a hard inquiry with Equifax after the thief failed to acquire a business loan. XXXX other inquires ( XXXX XXXX XXXX XXXX - these appear as soft inquiries ) also appear on my credit history with Equifax. This is after submitting XXXX disputes with Equifax as well as submitting to them a detailed report of widespread attempts at fraud in my name, and an FTC ID theft report and police report ID being provided.
XXXX of the Fair Credit Reporting Act, which requires Equifax and businesses to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information, is being disregarded out of what is seemingly Equifax refusing to investigate the situation with proper diligence. XXXX of my disputes was rejected within what wasn't even a day 's time, leading me to believe their company is not taking this fraud seriously. Companies involved in the dispute have been contacted with a letter from the XXXX XXXX XXXX requesting compliance, and details regarding that process are on record. In spite of this, Equifax will not remove the fraudulent inquiries- this is also in spite of the inquiries appearing as completely different cities/states that have no bearing on any of my past residences or business endeavours. All of the proof and compliance I have provided appears to still not be enough for Equifax to fairly and appropriately comply with section 605B and remove the attempts at fraud.
XXXX, Equifax and XXXX have all been provided a copy of the FTC fraud report, police report ID and accompanying details of the fraud occurring in various states and cities by the individual. The particular incident I am reporting is Equifax for not complying with the requested removal of the hard inquiry which was done via fraud on XX/XX/XXXX in addition to the less impactful but still fraudulent soft inquiries listed above. I have been punctual and timely with all information requested, and continue to contact the agencies which were complicit in running my credit without my permission for further compliance with the authorities.
Letters to businesses involved in the ID theft were mailed out the first week of XXXX as a follow-up, since the inquiries in question were largely still appearing- this is also when I filed a formal police report and an investigation was launched to assist in closing down the fraud accounts and resolving inaccurate reporting done on part of the credit bureaus where fraud had occurred.
In spite of all of this and my detailed record keeping, Equifax has rejected all attempts at removing these false inquiries- this is also as other agencies like XXXX have actually complied and done their due diligence to ensure their reports are correct. It's a shame that Equifax would want improper data and fraud in their records. The fact that another bureau has taken this seriously displays negligence of reporting on the part of Equifax ; it's not a matter of " if '' they can remove the fraud from my record, but rather that they just seem not to want to.
It literally appears someone is just auto-rejecting my request at this point in spite of the information supporting the claims above being provided and the XXXX XXXX of effort I'm making to investigate the matter.
At this time, nearly a month has passed with no resolution, and in the most recent dispute rejection, a note from Equifax was included stating " [ c ] onsumer 's dispute not specific, '' in spite of my request being as specific as possible. I'm concerned at this point that my submissions are being thrown out without consideration at this point, maliciously.
In particular, this complaint is with Equifax, who has an obligation under section XXXX of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. The agency is well past that deadline and is not in compliance with section XXXX, in spite of being provided a detailed FTC ID theft report and more.
Simply put, what more information can I provide to Equifax to prove that I don't live in XXXX different states and XXXX different cities pulling my credit at several different locations all in the same day? What more can I do to get the businesses who illegally ran my credit to comply, beyond what I've already done via getting police involved? Unless Equifax believes that I have somehow acquired the ability to clone myself and run my credit that fast, it appears they are being outright negligent with any consideration towards the details of my continued complaints with their reporting. It's insulting to read each dispute rejection that has come through, with their results finding that the information is " factual and accurate. '' XXXX XXXX XXXX and XXXX all have to bear responsibility for the error they've made in allowing the ID thief to run my credit for attempts at business, and Equifax in XXXX is owed specific scrutiny for not taking the continued provision of materials and proof seriously. It's as if I am trying to gather a bunch of children together to submit their homework assignments on time, and none of them are making it easy. How am I supposed to do anything more when I'm working with companies that allow ID thieves to apply for loans in my name, and credit bureaus that whimsically trust those businesses in spite of an ongoing police investigation? Does everyone in this situation have blinders on? Hopefully this complaint will motivate each agency to take my personal information more seriously. I will name each agency above in the formal submission of this complaint to further ensure they too comply with the FTC and CFPB.
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08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have filed an identity theft report with the FTC and submitted documentation and proof regarding requirements of the FCRA. Upon Equifax receipt of documentation of my FTC identity theft report, I called Equifax and notified them regarding the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) Block of information resulting from identity theft specifies, ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
In fact of them receiving my identity theft notice I called Equifax and the representative stated that they don't remove, delete, or block accounts of the consumers, even though the consumer has reported identity theft with an FTC report to them. The Equifax Representative also stated that they don't operate under the FCRA, and that their policies and procedures doesn't require them to block, remove or delete accounts reported for identity theft, I then asked, under their policies and procedures proves his statement of non-removal of identity theft report accounts? The representative stated that he doesn't have access to their procedures at the moment and they don't go based off the FCRA law and that it is not required for their policies and procedures. I attached a cover letter along with my FTC report, letting Equifax know the details. However, the representative stated that my identity theft report was denied and that the FCRA doesn't apply to them with identity theft reporting. Under FCRA I took the proper steps along with an Affidavit Of Fact notifying Equifax. As a victim of identity theft I am helpless and bullied by Equifax, for them having any knowledge of their policies and not knowing and following the laws under FCRA, in which has deemed and caused me injury as well as not being able to obtain the necessities as a natural human being given by XXXX. I am not only a victim of identity theft but I have now became a victim of bullying by Equifax. Because their policies and procedures doesnt include FCRA laws.
1.In Fact and truth, Please know that in my identity theft report that I mailed to Equifax via Certified mail that I am/are/was not requesting validation of any accounts that are generated by them on my consumer report from identity theft.
2.In Fact and truth, I am and not requesting an investigation regarding these fraud accounts to be investigated.
3. In Fact and truth, Equifax was notified that the authority of the block request can not be declined or rescinded pursuant to 15 usc 1681c-2, 605B in fact and truth that : * ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
As A, B, C of 15 USC 1681c-2 doesn't apply to my Identity theft report.
4. Pursuant to 15 USC 1681 c-2 ; I provided all necessary documents as proof of my identity, in which 15 USC 1681c-2 states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
5. In fact and truth, Equifax has failed to acknowledge and remove incorrect/fraudulent addresses per written request with FTC report.
Again, Pursuant to the FCRA, The 4 days at the consumer giving notice of identity theft Equifax hasn't complied with law and continuously fails consumers by not educating and teaching their representatives the Fair Credit Reporting Act to be in compliance with law. Not a request to validate or investigate but, to notify of identity theft fraud and take action Pursuant to 605B.
In fact, under the FCRA, not only have Equifax neglected 15 usc 1681c-2 as expressed in this statement and a sealed and signed Affidavit of Fact which now stands as True by default because they have ignored my Affidavit of Fact, WITHOUT AN UNREBUTTED AFFIDAVIT OF FACT. Also, as fact that due to negligence they are held civilly liable by default pursuant to 15 USC 1681n-Civil liability for willful noncompliance- ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
I am not seeking validation, I am seeking that they Adhere to educating their representatives of the FCRA and follow federal law that was put in place not only to protect consumers but, to also make sure that they produce and report true information.
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10/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Complaint about Equifax Credit Bureau for keeping me hostage from my credit file that is held by the office of consumer affairs I want to communicate the challenges I am facing with Equifax disregard the consumer financial laws and rules and regulation.
I have been a victim Identity theft and because of that have cause a variety of problems to my credit file, a number of debt collectors account appear on my file.
The person or people that took my identity manage to open credit cards in my name ruining my credit rating and making future purchases impossible. Insurance companies use lower credit scores to justify higher rates I have been denied employment because of false information in my credit history.
I have suffer serious harassment by debt collectors. Even after I discover the theft, corporate predators have taken actions that are counter-productive and have hurt my ability to recover my own identity I have experience the following ongoing daily issues Unknown credit accounts have popped up on your credit report.
You have been receiving mail my name with someone else ssn Companies that you have not done business with or applied to for credit have been looking at your credit report.
Debt collectors have started sending me collection notices for accounts I do not have.
Your credit report is currently listing alias name and addresses that I have never used.
I have received bills, statements, or other account information in the mail relating to accounts I did n't open.
As a victim of identity theft, I have not been able to exercise any of the protection that are under the revised Fair Credit Reporting Act ( FCRA ).
That statute not only entitles you to free copies of your credit file ( your credit reports XXXX, it also enables you to place a fraud block in your credit report file. Which I have requested and Equifax never did anything about it.
Yes I was able to placing a fraud block with the 3 bureau credit file, I wanted to be notifying for any potential creditors that someone has been using my identity to warn them not offer any type of credit without absolute proof that they are actually dealing with me by calling me directly.
The problems I had with Equifax they continually remove my phone number to which I request to be call at.
Since the discovery of my identity theft I have dispute item on my credit report directly to the creditor letting then know I was a victim of identity theft Unfortunaly in doing so it open up an open-ended inquiry from the creditor to me Under the revisions to the Fair Credit Reporting Act ( FCRA ), it says creditor must provide all information requested to the consumer if there is a credit reporting dispute.
When I disputing the identity theft item directly to the creditor, I have been required to provide information that is not already in the possession of creditor, information when provided to them, then after was against me.
I have been harass and some of them have intentionally destroy my credit instead of helping me It have been impossible to get help from Equifax such getting documents that relate to dispute and all the information of who reported this account and how they ended up on my file, if it was not a mix file? I was trying to see how much damages ( how I was harmed ) Like to say that the only bureau I have this issue was Equifax was were all account appear suddenly on my profile. That should have race a belt of been a mix file.
The office of consumer affairs were to blame much of the problem since they maintain and is the record-keeper and have manage my file since XXXX 2017, by a result mix files denied to admit that my file was possibly mix with someone else, or someone else have use my identity to create another profile, to this day there was never an investigation to see if perhaps another file on fact was incorporate with my file.
They rejected and denied close case. But yet assuring that was not the case without any internal investigation which should have be easy to approach, but no. This is a mayor violation!
As a result I have been kept from getting access to my file at any giving time, as often as is necessary. I simply my right to do so.
Furthermore I have try to establish and remind them that their obligation mainly is recordkeeping.
With that say as long as they feel that they have control of my file regardless of my right are being violate no ones but far too many times are a number of violation have occur.
I ask of you because you maintain record and policing I ask you at your discretion have this be investigate.
I know for fact and evidence and search that there is a very large number of people that are been affected from abusive practice from employees from Equifax This complaint was intentionally to be short, is not the complete record. At your request I will be very happy to provide to you complete well writing file of my complaint so for you to further review and if there is the need for intervention.
Because of the situation I will be force to file a lawsuit again Equifax with the hope to get my file for been refuse services and to have then fix what have been disputed no one, but to many times with not results I was told by Equifax staff dispute something will be only by regular mail.
I was denied of using any other methods as Equifax website, telephone or the use of the fax.
In conclusion and with so much stress they have cause me for not being able to access my file creating a number of issues including prosper employer for employment No allowing me to executing my right regardless current laws as for the benefit of, for the benefit of consumer Consumer Credit Protection Act ( CCPA ) which contains several acts with more precise scope The Fair Credit Reporting Act The Truth Lending Act The Equal Credit Opportunity Act The Fair Debt Collection Practice Act And The Electronic Fund Transfer Act Equifax I am simply ask because I can not force you, to your Obligation you have and that you know you have, please practice the rule do your work, for your sake and everyone sakes.
Please on your respond to this complaint if you do, do not respond to this and pretend by saying that you have done nothing wrong if you were not, do you think I will be writing this?
Thank you!
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11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern, Under 15 U.S. CODE 1681 ( a ) ( 4 ) - a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
EQUIFAX IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ).
EQUIFAX is taking information from a third party and is apply to my consumers credit report.
I am the only one who can dictate whats goes on my consumers credit report. I have a right to privacy and EQUIFAX has NOT abide by the law. FIRST VIOLATION!
Under 15 U.S. CODE 1681 ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish aa consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
EQUIFAX has violated 15 USC 1681 ( a ) ( 2 ). EQUIFAX did not have permissible purpose to post anything to my consumers credit report.
I, XXXX XXXX XXXX never gave EQUIFAX or any other bureau my WRITTEN Consent to post anything to my consumers credit report. EQUIFAX never received a phone call nor written instructions. I ask that EQUIFAX please send a copy of my handwritten letter giving you consent to do so. You can send my written letter to the address provided. No consent is identity theft!
Under 18 U.S. CODE 1028 ( a ) - Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification documentknowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( 6 ) knowingly possesses an identification document orauthentication feature that is or appears to be an identification document orauthentication feature of the United States or a sponsoring entity of an event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section.
EQUIFAX has yet again violated another law!
EQUIFAX has knowingly received information from a third party other than myself and posted to my consumers credit report. EQUIFAX has indeed committed FRAUD!
EQUIFAX has also posted hard inquiries to my consumers credit report which has effect my score tremendously. EQUIFAX has cause me a lot of suffering because of this. EQUIFAX has not reported any accuracy.
As of XXXX XXXX, EQUIFAX is showing an inaccurate credit score of XXXX, which was just a XXXX score.
Under 15 U.S. Code 1666 ( b ) - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
EQUIFAX strikes again with violating 15 U.S.CODE 1666.
EQUIFAX has posted late payments to my consumers credit report based of the information received from a third party ( XXXXXXXX XXXXK ).
I, XXXX XXXX is the ORIGINAL CREDITOR and I am the only one who can extend credit. EQUIFAX can not extend credit now can they dictate what goes on my consumers credit report.
Under 15 U.S. CODE 1602 ( a ) ( g ) - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
EQUIFAX has Violated numerous laws as listed above. A copy of this letter will be sent to all parties involved as well as the attorney general.
EQUIFAX along with XXXX XXXX ( just to name a few ), has not only damaged my consumers credit report SCORE but knowingly committed numerous of crimes while doing so.
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04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX Account Status : XXXX Date Opened : XXXX Payment Amount : XXXX Term Length : XXXX Past Due Amount : XXXX Creditor Remarks : XXXX Last Payment : XXXX Creditor Type : - Derogatory XX/XX/XXXX {$0.00} XXXX {$18000.00} Account Type : XXXX Credit Limit : XXXX Payment Status : XXXX Balance Owed : XXXX Date Reported : - Account Description : 2 Year Payment History {$0.00} Collection/Chargeoff {$18000.00} XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX High XXXX XXXX XXXX {$26000.00} Date of Last Activity XXXX XXXX XX/XX/XXXX Charged off account Amount in high credit XXXX charge-off amount XX/XX/XXXX - I am very disappointed that the information in your database is not up-to-date and does not meet the minimum standards for accuracy. If this is not fixed immediately, I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now.
Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
I was looking at Account Status ( XXXX ) expressing Derogatory It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done.
I was looking at Date Opened ( XXXX ) expressing XX/XX/XXXX We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof!
When I scrutinized Account Type ( XXXX ) presenting Installment. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant Lets examine Creditor Remarks ( XXXX ) showing Charged off account Amount in high credit original charge-off amount I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified.
Bring to your attention Date of Last Activity ( XXXX ) reporting XX/XX/XXXX What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met!
I was looking at Payment Amount ( XXXX ) expressing {$0.00}. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof!
You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
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08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX is engaging in unlawful, deceptive, and abusive practices that punishes me as a consumer. The information furnished by XXXX XXXX to the CRAs was the result of Billing Errors that XXXX XXXX has failed to correct after multiple attempts. For example, XXXX XXXX stopped generating statements in late XXXX, and failed to mail bills over the majority of that year. XXXX XXXX acknowledges being notified of the statement issue as early as XX/XX/XXXX, but failed to conduct any billing error investigations. Moreover, by XX/XX/XXXX XXXX XXXX provided incorrect instructions to obtain account status information online, for which I filed at least one ( 1 ) additional billing error notice on or around XX/XX/XXXX. The extent of consumer law and banking law violations claimed is as follows : billing errors, trouble receiving statement of account, limited payment options, web payment portal issues and discrimination in XXXX XXXX lending and credit practices against at least two ( 2 ) protected classes, referencing the Equal Credit Opportunity Act/ECOA 12 CFR Part 1002 and Regulation B, and the Americans with Disabilities Act/ADA respectively ; Violations of 12 CFR Part 1006 FDCPA ( Regulation F ), 12 CFR Part 1022 FCRA ( Regulation V ), and 12 CFR Part 1026 TILA ( Reg. Z ) ; No investigation into the alleged billing error with the notification you placed with XXXX XXXX, here inferring XXXX XXXX actions to be unfair or deceptive -referencing CFPA 1036 ( a ) ( 1 ) ( B ) / 12 U.S.C . 5536 ( A ) ( 1 ) ( B ) and unlawful -referencing 12 CFR 1026.13 ; Not receiving accounts statements and thus unable to view or inspect my account ; Reporting of delinquency statuses on my account to the credit bureaus on a routine basis is damaging my credit-worthiness with other current or potential creditors ; and thus I have suffered injury as a result of XXXX XXXX unfair acts or practices ; my account placed for collection by XXXX XXXX after my complaint was filed with the CFPB within the sixty ( 60 ) day period allowed for billing error notices to be filed preceding the charge-off, making the delay in addressing my complaint against XXXX not valid ; purporting that such retaliation by XXXX XXXX is unlawful. While I was never notified of the results of the billing error investigations, It was only after XXXX XXXX collections agent returned the account in XX/XX/XXXXXXXX that XXXX XXXX attempted to resolve billing error issues, yet charged-off the account BEFORE conducting the billing error investigations.
XXXX XXXX chose to re-age my account on at least two ( 2 ) occasions over XXXX to retroactively rectify the billing errors reported to them over the course of XXXX. However, those attempts resulted in re-aging of alleged debt that was brought current and then randomly reported as past-due months later, the last instance beginning at the end of XXXX and continuing to be advanced thirty ( 30 ) days late until reaching the 180 day threshold in XX/XX/XXXX. It has reported as one-hundred eighty ( 180 ) dayspast-due from that time thru present. The information that XXXX XXXX is furnishing to the CRAs for my account is unverifiable and/or inaccurate and corrections to the data in my account has been arbitrary and capricious, resulting in serious harm to my credit-worthiness. XXXX XXXX has been notified on multiple occasions by myself, via billing errors, and both of its collections agents. XXXX XXXX has allegedly rectified the issue on two ( 2 ) different occasions, but the result has led to me experiencing further harm. XXXX XXXX alleges my account was charged-off on or around XXXX XX/XX/XXXXXXXX due to non-payment. They stopped providing statements, canceled auto billing, and then hired a second collections agent, and provided false and misleading payment instructions for the account. XXXX XXXX alleges they have tried to " reconcile '' any billing errors in the data they furnished to Equifax and the other CRAs. XXXX claims it is in response to multiple billing error notifications I previously filed. Since the alleged XXXX in late XXXX, XXXX has reconciled the account, but began " billing '' again WITHOUT providing me with ANY notification. They did this first in XX/XX/XXXX and continuously marked the account past- due each billing cycle by an additional thirty ( 30 ) days past-due until XX/XX/XXXX. After which, they repeated the pattern through present. The effect has been the re-aging of the account with invalid deliquency that has reported as one-hundred eighty ( 180 ) days past-due for the previous four ( 4 ) months. While XXXX may insist the data furnished for this account/tradeline is " accurate '' the furnished information does not meet the maximum possible accuracy requirements under 15 U.S. Code 1681e. IN fact if Equifax examines annotated list of contradictions and other documents attached, it will see that XXXX has responded both to Attorneys General, the Office of the Comptroller of the Currency XXXX and the CFPB with contradictory information that make any reasonable individual reaize the account/tradeline as reported by XXXX false/misleading/inaccurate under 15 U.S. Code 1681e. The precedent established within my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). Equifax has had multiple opportunities to conduct a reasonable investigation under 15 U.S. Code 1681i, and to examine the near two-hundred pages ( 200 ) of documentation supplied with prior disputes and CFPB complaints regarding this account/tradeline. Instead Equifax have opted instead for results returned through eOSCAR. Given the obvious contradictory nature of XXXX own statements, on their own company letterhead, Equifax knows or should know the information they are reporting for this account/tradeline is false/misleading/inaccrate. The negligence of Equifax has caused and continues to harm me as a consumer. If Equifax refuses to remove this account, then I will file a lawsuit against Equifax for violations of 15 U.S.C. 1681i et seq.
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07/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Following my recent credit report I was informed that some of accounts were being reporting which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not want them accounts are not my were being in my personal credit report, because I am not responsible for them. I did not give permission to open no one of these account. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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02/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful then one of the pet told me they cant dispute these fraudulent accounts and that it wasn't nothing personal which I found very rude which makes me even more depressed now because this is personal because it on my personal credit report they are a very abusive company and don't want to help what so ever I have very low credit utilization. I have 5 negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative accounts its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwith no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. AND THEY DID NOT NOTIFY ME THEY PLACED THIS FRAUDULENT ACCOUNT BACK ON MY CONSUMER REPORT defamation of character OF MY NAME SO NOW I WILL BE FILING LITIGATION IN COURT.
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01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful then one of the pet told me they cant dispute these fraudulent accounts and that it wasn't nothing personal which I found very rude which makes me even more depressed now because this is personal because it on my personal credit report they are a very abusive company and don't want to help what so ever I have very low credit utilization. I have 5 negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative accounts its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. AND THEY DID NOT NOTIFY ME THEY PLACED THIS FRAUDULENT ACCOUNT BACK ON MY CONSUMER REPORT defamation of character OF MY NAME SO NOW I WILL BE FILING LITIGATION IN COURT.
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06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I purchased a vehicle from a company on XX/XX/XXXX in XXXX, Florida. The original loan amount was {$10000.00}. I made my final payment in the amount of {$1300.00} on XX/XX/XXXX. The vehicle was paid off and the loan was reflected closed on my credit report as of XX/XX/XXXX.
I happen to pull my credit in XXXX of XXXX and noticed the I had two auto loans on my credit from the same company, but two different locations. They both showed the same original loan amount of {$10000.00}. They both showed the same loan origination date of XX/XX/XXXX. The loan from the XXXX, Florida location showed a XXXX balance and a status of Paid As Agreed account closed XX/XX/XXXX. The loan from the XXXX, Florida location showed a charged off account.
XX/XX/XXXX I disputed the account showing the XXXX, Florida account. Equifax closed the investigation claiming the item was verified.
XX/XX/XXXX I wrote Equifax requested a detailed method of verification. Equifax updated the item and closed the dispute. At this point I still had two auto loans on my report.
XX/XX/XXXX I wrote Equifax again to follow up on my request for a detailed method of verification. Equifax then deleted the correct auto loan and left the second loan reporting on the credit file claiming the account was involved in a Chapter XXXX Bankruptcy, which it is not.
XX/XX/XXXX I write Equifax back reaffirming that my account with XXXX XXXX XXXX XXXX was closed and paid as agreed back in XXXX. Equifax failed to properly investigate this item. Equifax then updated the item to a Charged Off Account. At this point, it's clear Equifax is not conducting an independent investigation as they are firing back responses the same day they receive my letter.
XX/XX/XXXX Although frustrated I know it is my right to dispute inaccurate information being report to my credit file so I write Equifax again. I pointed out all of the inaccurate, inconsistent, and duplicate information and demanded the item be deleted. Equifax responded claiming the item was accurate.
XX/XX/XXXX I decided to take a different approach and point out each item that was inaccurate, incomplete, or unverified and requested the item be deleted. I received another rapid response claiming the account was accurate. At this point, Felt I needed to take screenshots from my Credit Report and show Equifax the proof.
XX/XX/XXXX I wrote Equifax again and pointed out that this company had 2 different locations reporting an auto loan to my credit file. Both items originated on the same day. Both original loan amounts were for the exact same amount. Both items had two different account numbers and both had two different account status. I stressed I did not have a Charged Off account with this company. The charged off account was from their XXXX location. The paid as agreed account was from the XXXX location. I live 4 minutes away from XXXX. XXXX is where I bought my car. XXXX is where I made the final payment to pay off my car. I was very detailed and expressed I disputed this account due to the inaccurate, incomplete, and unverified information. Equifax responded claiming the account was accurate. Ironically, both XXXX and XXXX investigated the same item and found it unverified and deleted the item.
XX/XX/XXXX I wrote Equifax yet again making them aware of my intent to file this complaint. I also provided them a screenshot showing that both XXXX and XXXX investigate this item and did not receive valid proof from this company for the item to remain. I'm aware that the Bureaus talk to each other so if there was anything to support this item it would've been made available to not just Equifax.
In good faith before filing this complaint I called Equifax on XX/XX/XXXX and spoke with a Rep of the Bureau. The Rep was able to pull up my written letters and see proof of both accounts being reported on my credit file. The fact that my credit file had been injured by the reporting error for so long warranted the item to be removed and the agent agreed. The Rep stated he would initiate a dispute and this should resolve the concern. On XX/XX/XXXX the dispute submitted just days before was closed claiming the account was accurate as reported.
I called today XX/XX/XXXX and spoke with a company Rep, XXXX XXXX, who offered the worst customer experience I have ever had to endure from any company. Resulting in me moving forward with this complaint.
At the end of the day, Equifax has reported 2 different loans that originated on the same day for the same amount of money from the same company with multiple locations. Clearly, there is no way this could be accurate. The location where I bought my car reported my loan as paid as agreed and closed. The location where I did not buy my car reported a charged off account. Equifax deleted the correct account leaving the incorrect account. Each dispute letter I send they have tried to change the account status from Charged Off to Included in a Bankruptcy. Equifax has tried to re-age the account claiming a payment was made in XXXX which there was not. They had tried to update this account every which way they possibly could to avoid deleting this account. Despite the inaccurate information even the wrong account will age off my credit as of XX/XX/XXXX. It's the principle of the matter. As a consumer, it is my right to dispute an inaccurate item. I have used information this company has supplied to Equifax to prove there is no way this account could be accurate. How do you have one account paid as agreed, no lates, no delinquency, and with a XXXX balance. The location of the satisfactory is 4 minutes from where the consumer lives which makes practical sense the consumer probably bought the car there. Then you have an account opened on the same day for the same amount of money as the other account that is charged off. The accounts are from XXXX and it's XXXX. The inaccurate information has been reported all this time. When Equifax deleted one account they should've done the right thing and deleted both. The amount of time this company has invested in going back and forth. The fact that my rights as outlined in the FCRA have been ignored and the fact that I was treated so poorly by their Rep XXXX XXXX is the basis of this complaint.
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06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with fair Credit reporting act XXXX account numbers has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.C.S 1681 section 2 : it also states Consumer reporting agency can not furnish a account without my written instruction DEPT OF ED / XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX Monthly Payment {$0.00} Responsibility Individual Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Payment Received {$0.00} Terms {$0.00} per month, paid Monthly for 120 months High Balance ( Hist. ) High balance of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX Remarks ACCT CLOSED DUE TO TRANSFER ; TRANSFERRED TO ANOTHER OFFICE Pay Status >Transferred ; was 120 days past due date< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX Monthly Payment {$0.00} Responsibility Individual Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Pay Status >Transferred ; was 120 days past due date< Terms {$0.00} per month, paid Monthly for 120 months High Balance ( Hist. ) High balance of {$3000.00} from XX/XX/XXXX to XX/XX/XXXX Remarks ACCT CLOSED DUE TO TRANSFER ; TRANSFERRED TO ANOTHER OFFICE Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - - - X {$3200.00} {$360.00} {$0.00} {$33.00} XXXX -- - -- - -- - -- - OK Address Phone XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Monthly Payment {$0.00} Responsibility Individual Account Loan Type XXXX XXXX XXXX {$0.00} Pay Status >Charge-off< Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Terms {$0.00} per month, paid Monthly for 72 months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX High Balance ( Hist. ) High balance of {$23000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX Date Opened XX/XX/XXXX Account Type Open Account Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type DEPOSIT RELATED Payment Received {$0.00} Pay Status >Charge-off< High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX XXXX DEPT OF EDUCATION XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monthly Payment {$0.00} Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Pay Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Original Creditor XXXX XXXX Terms $ XXXX Payment High Balance ( Hist. ) High balance of {$3000.00} from XX/XX/XXXX to XX/XX/XXXX Scheduled Payment : Remarks : Rating : {$0.00} XXXX COL {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Monthly Payment {$0.00} Responsibility Individual Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Pay Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Original Creditor XXXX XXXX Terms $ XXXX Payment High Balance ( Hist. ) High balance of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Opened XX/XX/XXXX Account Type Open Account Balance {$1400.00} High Balance {$1500.00} Past Due {$1400.00} Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Original Creditor XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Estimated month and year this item will be Remarks removed >PLACED FOR COLLECTION< XXXX XXXX XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX Opened XX/XX/XXXX Account Type Open Account Balance {$0.00} Last Payment Made XX/XX/XXXX Original Creditor XXXX XXXX Pay Status >Account Paid in Full was a Collection< Date Paid XX/XX/XXXX Remarks >PAID COLLECTION< Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$120.00} Past Due {$0.00} Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX Date Opened XX/XX/XXXX Account Type Open Account Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$570.00} High Balance {$570.00} Past Due {$570.00} Estimated month and year this item will be removed XX/XX/XXXX Date Updated XX/XX/XXXX Original Creditor XXXX XXXX Pay Status >Collection< Remarks Account information disputed by consumer ( FCRA ) ; XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX, FL XXXX Date Opened XX/XX/XXXX Account Type Open Account Balance {$470.00} High Balance {$470.00} Past Due {$470.00} Estimated month and year this item will be removed XX/XX/XXXX Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Original Creditor XXXX Pay Status >Collection< Remarks >PLACED FOR XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Date Opened XX/XX/XXXX Account Type Open Account Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$270.00} High Balance {$270.00} Past Due {$270.00} Estimated month and year this item will be removed XX/XX/XXXX Date Updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX Pay Status >Collection< Remarks >PLACED FOR COLLECTION< In accordance with fair Credit reporting act XXXX account numbers has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.C.S 1681 section 2 : it also states Consumer reporting agency can not furnish a account without my written instruction
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02/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Crediting Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
It is also my understanding that Under FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these charge-off accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations.
The FOLLOWING account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, ULTIMATELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and/or standards and MUST be removed immediately, do so TODAY, even RIGHT NOW!
Pursuant to 15 USC 1666d, Whenever a credit balance in excess of {$1.00} ( otherwise known as a POSITIVE balance ) is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall - ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. Furthermore, Pursuant to 18 USC 8, ALL debts, public and private, are the obligation of the United States. Including, all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money. Per this law, the balance has been paid and I have created a credit balance in excess of {$1.00} using my signature.
Pursuant to 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. All following collectors have not sent me, the consumer, disclosures including the information required by section 15 USC 1637 ( b ) separately from my monthly statement, that clearly and conspicuously informs me of my rights as a consumer.
The following collectors have furnished deceptive forms to me, the consumer Pursuant to 15 USC 1692j, The following collectors have delivered via mail, monthly statements, creating the false belief in me, the consumer that a debt that has already been paid, - pursuant to 18 USC 8 is owed by me. The following collectors have purposely deceived me, the consumer into believing that I am to pay a debt that has already been paid, which means the following collectors have been paid twice since the inception of the credit card account. Pursuant to XXXX USC 1961, the following collectors have committed racketeering activity by extorting money from me monthly.
The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$1300.00} : XXXX XXXX XXXX Account XXXX XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$250.00} : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$8800.00} : XXXX XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$3900.00} : XXXX XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$9400.00} : XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$0.00} XXXXXXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines The following alleged account is listed as a charge-off with a PAST DUE BALANCE of {$0.00} XXXXXXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Reason for Deletion : Not Reporting under XXXX XXXX Guidelines This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant and verifiable. I demand that this item be investigated and removed from my report. I demand that the above mentioned derogatory items be permanently removed from my report.
Sincerely, XXXX : XXXX, XXXX.
without prejudice, ALL RIGHTS RESERVED. WITHOUT RECOURSE i.e. all Natural Alienable Rights Reserved.
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12/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American, Servicemember |
No matter how much I try to ensure that no one has access to my credit, I still receive alerts that my credit has been pulled. I have not given anyone authority to pull my credit. Equifax, XXXX, and XXXX keep allowing this. I am XXXX years old and was NEVER a college student, however, there is a XXXX XXXX XXXX XXXX on my report. THESE ACCOUNTS ARE FRAUD AND THEY ARE NOT MINE! I filed an Identity Theft Report, however, no one is complying. I am not even receiving an explanation as to why they aren't. CFPB, this is my 4th request for you to look into this, however, you allow them to allow someone to try and ruin my reputation and my credit. As of today, my credit should not be pulled unless they can verbally see me or talk to me at XXXX. I have so many things from the identity theft that should not be on my credit. This is ridiculous that I have to continue to make complaints. The following inquiries just popped up : XXXX XXXX ... today! XXXX ... today! XXXX ... 2 inquiries ... XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ... XXXX XXXX XXXX ... .NOT MINE. There are several more that are listed on my identity theft report. This occured due to identity theft and it needs to be blocked. I have never attended college and the time they said that I went, I was about XXXX years old. Please stop them from doing this to me. a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX but they refused they had me on mute for 4 hours which was hurtful then one of the pet told me they cant dispute these fraudulent accounts and that it wasn't nothing personal which I found very rude which makes me even more depressed now because this is personal because it on my personal credit report they are a very abusive company and don't want to help what so ever I have very low credit utilization. I have 5 negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative accounts its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. AND THEY DID NOT NOTIFY ME THEY PLACED THIS FRAUDULENT ACCOUNT BACK ON MY CONSUMER REPORT defamation of character OF MY NAME SO NOW I WILL BE FILING LITIGATION IN COURT.
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02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate.
This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate.
Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX Personal Information for XXXX
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01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful then one of the pet told me they cant dispute these fraudulent accounts and that it wasn't nothing personal which I found very rude which makes me even more depressed now because this is personal because it on my personal credit report they are a very abusive company and don't want to help what so ever I have very low credit utilization. I have 5 negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative accounts its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. AND THEY DID NOT NOTIFY ME THEY PLACED THIS FRAUDULENT ACCOUNT BACK ON MY CONSUMER REPORT defamation of character OF MY NAME SO NOW I WILL BE FILING LITIGATION IN COURT.
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01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX
Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXXXXXX Account Number XXXX XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX.
Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing this letter to formally dispute and bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) that have adversely impacted my credit report. I kindly request your intervention and enforcement of my legal rights under the FCRA to rectify the inaccuracies that have been reported by various creditors on my credit report.
The violations pertain to the following specific provisions of the FCRA : Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) : These sections explicitly require credit reporting agencies to undertake a diligent investigation of disputed information and to ensure its accuracy. However, I have discovered inaccuracies and questionable entries on my credit report that remain unverified.
Section 605B : This section mandates furnishers of information to perform reasonable investigations into disputed information. Regrettably, several creditors have not conducted adequate investigations into the contested information.
Unauthorized Credit Pulls : Numerous unauthorized credit inquiries have been made on my credit report, which could potentially breach consumer protection laws and regulations on both the federal and state levels.
Inaccurate Reporting ( FCRA Section 607 ( a ) ) : The information reported by credit reporting agencies must be both accurate and complete according to this section. Unfortunately, several accounts are listed with incorrect payment history and other inaccurate data, which is detrimentally affecting my creditworthiness.
Personal Information Accuracy ( FCRA Section 607 ( b ) ) : FCRA obliges credit reporting agencies to furnish accurate consumer information, including personal addresses. However, I have found discrepancies in the reported address information.
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : In accordance with Consumer Financial Protection Bureau ( CFPB ) regulations, the reporting of inaccurate or questionable information could potentially be considered unfair or deceptive.
Below are the specific accounts and associated violations that I am disputing : XXXX XXXX : Account number : XXXX Violation : Failure to verify the account 's ownership and legitimacy upon request. ( FCRA Sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ) ) XXXX : Account number : XXXX Violation : Reporting inaccurate information regarding payment history. ( FCRA Section 607 ( a ) ) XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull reported without consent. ( Unauthorized Credit Pulls ) XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull reported without consent. ( Unauthorized Credit Pulls ) XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull reported without consent. ( Unauthorized Credit Pulls ) XXXX : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXX : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXX : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXX : Account number : XXXX Violation : Reporting inaccurate information regarding payment history. ( FCRA Section 607 ( a ) ) XXXX XXXX XXXX XXXX XXXX CA XXXX : Account number : Address Violation : Reporting incorrect personal information ( address ). ( FCRA Section 607 ( b ) ) XXXX XXXX XXXX XXXX CA XXXX : Account number : Address Violation : Reporting incorrect personal information ( address ). ( FCRA Section 607 ( b ) ) XXXX XXXX : Account number : XXXX Violation : Failure to verify the account 's ownership and legitimacy upon request. ( FCRA Sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ) ) XXXX : Account number : XXXX Violation : Reporting inaccurate information regarding payment history. ( FCRA Section 607 ( a ) ) XXXX XXXX : Account number : XXXX Violation : Failure to verify the account 's ownership and legitimacy upon request. ( FCRA Sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ) ) XXXX : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXXXXXX : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXX : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXX XXXX XXXX CA XXXX : Account number : Address Violation : Reporting incorrect personal information ( address ). ( FCRA Section 607 ( b ) ) These violations have significantly impacted my life. They have led to wrongful denial of credit applications, high interest rates on approved credit, and distress due to the tarnished credit reputation. For instance, I was recently denied a mortgage application due to the inaccurate negative entries on my credit report, a situation that has resulted in emotional turmoil and the delay of a lifelong dream to own a home.
I implore you to take swift and decisive action to enforce my rights and address these violations. I am formally requesting that the creditors in question be instructed to : Conduct thorough investigations into the contested information as required by the FCRA.
Remove any unverified or inaccurately reported accounts from my credit report.
Rectify any unauthorized credit inquiries and take appropriate actions to prevent their recurrence.
I kindly request your assistance in rectifying these issues and ensuring that my rights are upheld under the FCRA and other applicable laws. Your intervention will not only help me regain my financial stability but also serve as a testament to the importance of protecting consumers ' rights in the realm of credit reporting.
Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Sincerely, XXXX XXXX
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03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552.
o Whom it may Concern : I Pulled My credit report and I noticed That I am still a victim of ID theft and am continuing to suffer from inaccurate Information as a result of fraud : My privacy rights are being violated. I would like a Full file disclosurereport.
PLEASE BE ADVISED THAT IN accordance with fair Credit Reporting Act, all of the ACCOUNTS LISTED BELOW, has violated my federally protected consumer rights to privacy and confidentiality under 15. U.S.C 1681. THE MANY VARIOUS ADDRESSES, DIFFERENT SPELLINGS OF MY LEGAL NAME, EMPLOYMNNT HISTORY IS WRONG AND IN VIOLATION OF 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. IN 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT THE WRITTEN INSTRUCTIONS TO DO SO FROM THE CONSUMER.
15 U.S.C. 1681c. ( a ) ( 5 ) SECTION STATES : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antidates the report by more than seven years PLEASE FIND THIS AS LEGAL NOTICE, MY RIGHTS ARE BEING DENIED AND VIOLATED. THIS IS WRITTEN NOTICE TO PROVIDE THE CORRECT INFO THAT I, THE CONSUMER, PROVIDED.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND All other Personal info listed on my report need to be REMOVED! except for the personal info, That I, The Consumer/Victim have provided and gave such authorization to list. Per 15 USC ; 1681 PRIVACY LAWS : All 3 major reports will show a fraud alert I had placed years ago.
ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
XXXX is in violation of said rights : As well as these collections companys Potentially Negative XXXX XXXX XXXX XXXX Potentially negative Date XXXX Balance {$4800.00} StatusAccount charged off. {$14000.00} written off. {$4800.00} past due as of XX/XX/XXXX.
XXXX XXXX XXXX XXXX Potentially negative Date XXXX Balance {$1700.00} StatusAccount charged off. {$770.00} written off. {$1700.00} past due as of XX/XX/XXXX.
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$760.00} StatusAccount charged off. {$650.00} written off. {$760.00} past due as of XX/XX/XXXX.
XXXX Potentially negative Date XXXX Balance- StatusPaid in settlement. {$2900.00} written off.
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$93.00} StatusCollection account. {$93.00} past due as of XX/XX/XXXX.
XXXX XXXX Potentially negative Date XXXX XXXX {$1800.00} XXXX account. {$1800.00} past due as of XX/XX/XXXX.
XXXX XXXX Potentially negative Date XXXX XXXX {$650.00} XXXX account. {$650.00} past due as of XX/XX/XXXX.
XXXX XXXX Potentially negative Date XXXX XXXX {$980.00} XXXX account. {$980.00} past due as of XX/XX/XXXX.
XXXX XXXX XXXX Potentially negative a person has taken adverse action against me because of information in my credit report ; I was denied an employment offer I am the victim of identity theft and placed a fraud alert in my file ; My File contains inaccurate information as a result of fraud ; you are on public assistance ; Food Stamps SNAP.
you are unemployed but expect to apply for employment within 60 days.
All OF THESE ( SAME DATE ) INQUIRIES ARE ALL FALSE AND FRAUD : Remove them!!!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of said rights 15 U.S.C 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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11/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Below is the letter I sent to XXXXXXXX XXXX to dispute a 30-60 day late they reported to my credit report. When I initially called them about this issue, I was told by one of their representatives that if I sent this letter along with the supporting documentation from my bank, that they would gladly remove the 30-60 day late from my credit report. I have the audio recording of their rep saying this because I record all of my calls.
That same day I faxed over this letter with the supporting documentation from my bank to begin a formal dispute with XXXXXXXX XXXX. XXXX XXXX told me they would have an answer regarding my dispute by XX/XX/XXXX. I contacted them today, XX/XX/18 to follow up on the dispute and was told that after reviewing my dispute, they are unable to remove the late payment from my credit report.
I asked the XXXX XXXX rep I spoke with today for some clarification as to why it was denied. After speaking with her supervisor, she told me that it appears that whoever reviewed my dispute went by the date the check cleared, not by the date the check was actually received. Per the documentation that I provided XXXX XXXX from my bank, the check was received on XX/XX/18 and cleared on XX/XX/18. According to both XXXX XXXX reps I spoke to, the date a check is received and stamped at their PO box is the date they consider it received -- not the date it clears. With that said, my check arrived before the end of the month and shouldn't have been considered late.
Below is the dispute letter I faxed to XXXX XXXX : XXXX XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Dear XXXX XXXX : This letter is to dispute a recent 30-60 late payment reported to the credit bureaus for our XXXX mortgage payment. The reported late payment has not only negatively affected my credit, but my wifes as welldropping our scores by as much as 82 pts overnight.
As you can see from my payment history with XXXX XXXX, I have always made our mortgage payment before the end of the monthtypically around the XXXX or XXXX of the month. While I understand the payment is due on the XXXX of the month, this is the best we can do at the current time. Nonetheless, I have always made our payment before the end of the month and will always make our payment before the end of the month. In fact, Im hopeful that after receiving our upcoming 2018 tax return, I will be able to begin making our payments on the XXXX of the month.
For our XXXX mortgage payment, I opted to use XXXX XXXX bill payit was the first time I made our mortgage payment using this method. I decided to use this method to avoid the {$10.00} processing fee XXXXXXXX XXXX charges to pay by phone. On XX/XX/18 I filled out the online bill pay form on XXXX XXXX website, it stated that the check would be mailed out by XX/XX/18 and would be delivered by XX/XX/18. Assured that it would be there on-time, I decided to proceed with the bill pay method. On XX/XX/18 I received an email confirmation from XXXX XXXX that the check had been sent that day and would arrive by XX/XX/18. Ive included a copy of the confirmation email with this fax that clearly shows the sent date and estimated delivery date.
Fast forward to Sunday evening, XX/XX/18. I received a credit alert via email stating that a 30-60 day late mortgage payment had been added to my credit reportdropping my score 82 pts. I figured it had to be a mistake because I knew that I had initiated the bill pay in sufficient time to arrive before the end of the month. I immediately contacted XXXX XXXX to confirm the bill pay information. XXXX XXXX confirmed that a check in the amount of {$1200.00} was sent on XX/XX/18 to XXXXXXXX XXXX and was delivered on Friday XX/XX/18 and cleared on XX/XX/18.
I contacted XXXX XXXX regarding this issue on Monday XX/XX/18 to get information, specifically regarding the date XXXX XXXX uses to determine a payment received by mail. The representative I spoke to stated that they use the date the check was delivered to the lock box, not the date the check was processed and cleared. I explained to the representative that according to XXXX XXXX and the bill pay proof of payment, the check was delivered on XXXXalthough cutting it close, it was still delivered before the end of the month. The XXXX XXXX representative said that according to his records, it was delivered on XX/XX/18. Again, I told him that I had a proof of payment from XXXX XXXX with the delivery date stating it was delivered on XX/XX/18. I even contacted USPS to see how long it would have taken to arrive and they said with 100 % certainty that it would have been delivered no later than the XXXX.
I asked the XXXX XXXX representative what could be done at this point because I felt like I had done my due diligence to ensure that our mortgage payment was delivered before the end of the monthwhich it was according to the proof of payment. I was told to write this letter explaining the situation and to include the email confirmation, and proof of payment from my bank. Ive included both with this fax.
I beg you to please work with me on this. I have been desperately trying to improve our credit scores over the past year. Again, I have made every effort to make our payment before the end of the month and have done so ever since our mortgage was transferred to XXXXXXXX XXXX. I cant afford to have our credit scores drop this drastically. More importantly, I cant afford to have another late mortgage payment added to our report. With the information and proof I have provided you, I hope that you will be willing to work with us and remove the recent 30-60 day late mark from our credit reports. Again, Im hopeful that in the near future well be able to make our payment on the XXXX of the month. Unfortunately, the XXXX is the best we can do at the moment, but we have never paid our mortgage payment beyond the end of the month with you guys. Please show some compassion and help us. Moving forward I will continue to pay by phone to ensure my payment is processed on time.
I would ask that someone please contact me regarding this matter after this fax is received.
Sincerely, XXXX XXXX XXXX XXXX Loan # XXXX
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03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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I am writing to dispute the reporting of a XXXXXXXX XXXX account on my credit report. The account number is XXXX, and it has been inaccurately reported by the credit bureaus, which has negatively impacted my credit score and my ability to access credit.
XXXXXXXX XXXX has violated multiple provisions of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, XXXX XXXX may have violated Section 607 ( b ), which requires that all information reported to the credit bureaus be accurate and complete. Specifically, there is a discrepancy in the reported date the account was opened and the reported high credit amount between XXXX and XXXX, which suggests that the information is not accurate or complete.
Furthermore, under Section 611 ( a ) ( 2 ) of the FCRA, XXXX XXXX is required to provide notice to consumers of any negative information that is reported to the credit bureaus. However, XXXX XXXX did not provide me with any notice of the collection/chargeoff status of the account, which could be a violation of this section of the law.
XXXXXXXX XXXX may have also violated the FDCPA under Section 809, which requires creditors to provide consumers with proper notice and verification of debts. If XXXXXXXX XXXX engaged in collection activities without providing me with notice or an opportunity to dispute the debt, this would be a violation of this section of the law.
XXXX XXXX ( XXXX ). According to my credit reports from XXXX and XXXX, there are inconsistent and inaccurate information reported by XXXX XXXX regarding the date the account was opened, reported high credit amount, payment status, date last reported, and date last active.
I believe XXXX XXXX may have violated the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ) regarding the accuracy and completeness of information, and Section 611 ( a ) ( 2 ) regarding the notification of negative information. It is essential for credit reporting agencies and furnishers of information to ensure that the information reported on credit reports is accurate and complete. Additionally, consumers must be notified in writing when negative information is added to their credit report.
Moreover, XXXX XXXX may have violated the Fair Debt Charge Off Practices Act ( FDCPA ) Section 807 by falsely representing the payment status or other information on my credit report, and Section 809 by engaging in collection activities without providing proper notice or validation of the debt. These actions are prohibited by the FDCPA, which aims to protect consumers from abusive and unfair debt Charge off practices.
XXXX XXXXXXXX may have violated Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) by reporting inconsistent information about the account opening date between XXXX and XXXX/Equifax. Furthermore, if I disputed the accuracy of the charged off account with XXXX and they failed to conduct a reasonable investigation and correct any inaccuracies, they may have violated Section 623 ( a ) ( 1 ) ( A ) of the FCRA.
In addition, XXXX may have violated Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) by falsely representing the status of the charged off account as " bad debt purchased by another lender. '' This section prohibits debt collectors from using false or misleading representations in connection with the collection of a debt. Furthermore, if XXXX did not provide me with proper notice and documentation of the charged off account, they may have violated Section 809 of the FDCPA.
XXXX XXXX ( Account number : XXXX ). I believe XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Firstly, XXXX XXXX may have violated Section 607 ( b ) of the FCRA by reporting inconsistent information about the date the account was opened between XXXX and XXXX. This section requires that credit reporting agencies and furnishers of information ensure that the information reported on credit reports is accurate and complete.
Furthermore, if I disputed the accuracy of the collection/charge-off account with XXXX XXXX and they failed to conduct a reasonable investigation and correct any inaccuracies, this could be a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA. This section requires that furnishers of information investigate disputes and report the results to the credit reporting agencies. Additionally, if XXXX XXXX did not correct inaccurate information about the account, this could be a violation of Section 623 ( a ) ( 2 ) of the FCRA, which requires that furnishers of information correct and update inaccurate information on credit reports.
Moreover, XXXX XXXX may have violated Section 807 of the FDCPA by falsely reporting the payment status of the account as collection/charge-off. This section prohibits debt collectors from using false or misleading representations in connection with the collection of a debt. Lastly, if XXXX XXXX did not provide me with proper notice and documentation of the collection/charge-off account, this could be a violation of Section 809 of the FDCPA. This section requires debt collectors to provide consumers with written validation of a debt within five days of initial contact, and to cease collection activities until the debt has been validated.
This inaccurate and unverified collection/charge-off account has significantly affected my life. It has prevented me from obtaining loans, credit cards, and even job opportunities. I have been trying to resolve this issue with XXXX XXXX for a long time, but they have not provided me with any documentation or proof of the collection/charge-off account. I have never received any notification or paperwork regarding this account from XXXX XXXX, and the other bureaus did not report any negative information on my account.
Therefore, I am requesting that XXXX XXXX remove this unverified collection/charge-off account from my credit report. I urge the CFPB to enforce the legal violations committed by XXXX XXXX and ensure that they comply with the FCRA and FDCPA in the future.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
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06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX responded on XXXX XX/XX/XXXX to a consumer complaint I filed with my State 's Attorney General regarding furnishing of alleged payment history and account status to consumer reporting agencies ( see XXXX XX/XX/XXXX XXXX response ). In it they make claims that contradict the statements provided in prior responses to my CFPB complaints. Both collections agencies with whom XXXX returned the account to XXXX. The second collection, XXXX, returned the account to XXXX because XXXX was alleged to have engaged in credit discrimination, XXXX discrimination, and violations of consumer protection laws and regulations over the course of XXXX. It was returned on or around XXXX XX/XX/XXXX with an effective date in XXXX XXXX. XXXX asserts it placed the account in a charged-off status on or around XXXX XXXX XXXX. This is likely to have occurred AFTER it was returned by XXXX in XXXX. In their XXXX XX/XX/XXXX response, XXXX acknowledges re-aging the account due to receipt of a single billing error notice it alleged to have received in XX/XX/XXXX ( XXXX XX/XX/XXXX XXXX response, p. 1, par. 3 ). Yet, the data reflected in the consumer reports with Equifax, XXXX, and XXXX consistently indicate the account re-aging did not take place until XX/XX/XXXX, where the status was reported as " pays as agreed. '' Note, this is at the same time the debt was allegedly charged from balance to loss, " charged-off '', by XXXX for tax purposes. Moreover, XXXX acknowledges receiving a billing error notice, filed by its first collections agent in XX/XX/XXXX : XXXX ( see XXXX XX/XX/XXXX XXXX response, p. 1 par. 2 and p. 2, par. 1 ). In response to the XX/XX/XXXX billing error notice XXXX marked the account as current for periods XX/XX/XXXX until on or around XX/XX/XXXX. They then began reporting the account as delinquent, advancing the delinquency each month by thirty ( 30 ) days, until XX/XX/XXXX. XXXX then began supplying payment history and account status to the CRAs alleging the account was current " pays-as-agreed. '' Note, I had not received any notification or resolution to the billing error investigation ( s ) allegedly undertaken sometime between XX/XX/XXXX and XX/XX/XXXX. XXXX began reporting the account as delinquent ( again ) for the periods XX/XX/XXXX through present. Now XXXX also acknowledges " re-aging '' the alleged debt in CFPB complaints XXXX & XXXX ( see XXXX XX/XX/XXXX response from XXXX p.1 par. 3 in conjunction with XXXX XX/XX/XXXX XXXX response p.1, par. 3 ). In XXXX XX/XX/XXXX response XXXX claims the re-aging of the account was direct result of the billing error notices I filed. Moreover they claim it is for this reason the account has not been listed in " charged-off '' status in the information they are supplying to the CRAs to-date. Finally, XXXX claims the charge-off has not been reported to the CRAs because I was allegedly enrolled in a " financial relief program '' ( see XXXX XX/XX/XXXX XXXX response ). Yet, in their response to CFPB complaints XXXX & XXXX XXXX states they found no re-payment agreement corresponding to the alleged debt. A financial relief program would require that I consented to have my payments reduced and/or the time of repayment extended. It is now XXXX XX/XX/XXXX. Clearly this account has not and still is not being reported with accurate and verifiable information. The re-aging process to rectify past errors in XXXX billing and reporting has only compounded the issue because the re-aging has effectively reset an account to current, and then arbitrarily reported the account as past-due months later, and advanced the outstanding amount due and duration of delinquency by thirty ( 30 ) days, without providing me notice. To be clear, I have not received a bill in accordance with TILARegulation Z since on or around XX/XX/XXXX. XXXX system has allegedly not generated bills of any kind since XX/XX/XXXX ( see XXXX response XXXX XX/XX/XXXX p.1 par. 3 ). In addition, I have never received notifications describing the outcome of billing error investigations. Since initial re-aging, the past-due balance reflected in my credit files with Equifax, XXXX, and XXXX has never reflected an alleged amount outstanding commensurate with the full balance, but has instead reflected monthly outstanding amounts equal to the alleged outstanding amount for a previous interval, plus an additional XXXX dollars. The intervals appear appear to correspond to a billing cycle/closing date. Under the traditional FICO credit scoring models XXXX ( XXXX ) of an individual 's credit score is computed based upon payment history to include number of missed payments, number of periods of delinquencies, and duration of delinquency over the previous two ( 2 ) year period. At the very least, my credit scores with Equifax, XXXX, and XXXX, and my rental scores ( for tenant screening ) with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX recent delinquencies, and recent duration of delinquency, that are fictitious. As a consumer, and a human being, I am continuing to experience harm as result. In short, XXXX has been trying to fix errors in XXXX that led to an unwarranted charge-off at the end of XXXX. It is now causing me maximal harm in XXXX because the periods of delinquency reflect not only as having occurred within the two ( 2 ) years immediately prior to present, but additionally reflect at least one period of delinquency spanning 180 past-due within the last six ( 6 ) months. I have been denied apartments within the last two ( 2 ) months with an income well into XXXX ( XXXX ) figures as a result. I am experiencing housing instability as consequence. This is not okay and is patently putative, not to mention unlawful, unfair, and abusive. While XXXX has sought to blame the CRAs for the issue claiming it " couldn't change information that is 'accurate ' and has no control over how the CRAs present the information XXXX furnishes to them, '' ( see XXXX XX/XX/XXXX XXXX response p. 1, par. 3 ), the data for the XXXX account, as presented by Equifax, XXXX, and XXXX, is nearly identical. Given the contradictions supplied here and evidenced in the attached documents, Equifax, XXXX, and XXXX know or should know the payment history for XX/XX/XXXX through present is inaccurate.
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04/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My name is XXXX XXXX ( SSN XXXX ). After reviewing my credit score on XX/XX/XXXX I discovered that all three credit bureaus were currently reporting private student loans obtained between 10 and 12 years ago.
These private student loans went into default when XXXX XXXX refused to extend forbearance onto the loans nearly a decade ago. XXXX XXXX then transferred the loans to a new company, XXXX, even though they are private and not federal loans. XXXX has been reporting these loans on my credit report predominantly as closed, charged off loans. These loans have negatively affected my credit report for 12 years and bear total charge off amounts vastly exceeding the original loan amounts.
This is because XXXX has fraudulently been extending forbearance without request by the consumer and has been increasing the total loan amount through accumulating interest and using this forbearance as a payment to keep the account current for a longer period, extending the statute of limitations and the date at which reporting falls of the Credit Report. In fact, as the time of my original inquiry, two student loans ( in the amount of {$7500.00} and {$7500.00} respectively ) show as having been paid this very month. In fact, the account history shows that the loan became current, then late, then current again, three separate times in the last three years, even though exactly zero payments have been issued and zero requests for any sort of forbearance are on record or were requested.
Clearly, no such payments or requests have ever been made. The fraudulent activity on these accounts are illegal and defraud not only the consumer, but the government, who is accepting the charged off amounts as legitimate on tax documents, even though they vastly exceed the proper and legal charge off amount due to the illicit practices of XXXX.
After reviewing the accounts personally and realizing there are numerous and blatant errors in reporting, I personally contacted XXXX and demanded that the accounts be corrected and removed from my Credit Report by sending individual letters for each specific loan and asking for proof of request for forbearance or payments made toward those accounts to justify their account history, the misrepresented amount owed, and their incorrect reporting timeline. When XXXX received these letters, they responded by ignoring my request for correspondence entirely, and instead, XXXX hired a third-party corporation named XXXX XXXX to attempt to collect the full amounts for the loans plus accrued interest for 10-12 years.
I responded via certified mail, challenging the legitimacy of the debt, their history and the loan balances, and demanding validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) which prevents companies like XXXX from using abusive, unfair, or deceptive practices in situations like mine. I asked specifically for all documents proving that request for forbearance or payments had been made in my name. Further, I demanded that they remove these accounts from my report as they were inaccurate, outdated and therefore were in violation of the Fair Credit Reporting Act.
Moreover, when any debt becomes serviced by a debt collections agency, and the debt is challenged, validation of the debt must be provided within 30 days of the original request, unless an extension or special provision is requested as per 809 of the Fair Debt Collections Practices Act. Moreover, having received my letters and responding to them without sending requested validation means that they are now willingly noncompliant and subject to damages of up to {$1000.00} per instance as per FCRA and FTC guidelines. On XX/XX/XXXX, with no response from XXXX or XXXX. I sent another set of letters via certified mail to the three credit bureaus demanding that my credit report be corrected as per rights under the Fair Credit Reporting Act and accusing XXXX of attempting to skirt the rule of law by trying to sell the debt to a third party when I requested debt validation. I also stated plainly that XXXX was in violation of the FDCPA regulations and was therefore subject to civil penalties and damages in court and that it was now illegal for the Credit Bureaus to report the debt as accurate Despite not responding to my request for validation or complying with consumer protections laws, XXXX did indeed receive my letters, and as a response, they took all charged off loans and changed their status from Closed to Active so that it would adversely affect my credit score. They are now reporting that my open loan balance is {$110000.00} ( Including an added {$43000.00} of accumulated interest for an unspecified time of unsolicited forbearance wherein XXXX fraudulently collected interest to charge off a larger amount ).
To review, XXXX falsely and illegally placed my accounts in forbearance, extending vastly the statue of limitations and the length of time the loans affect my credit score. When challenged on the fraudulent activity and asked per legal requirements to provide evidence of these fake payments and requests, none was provided, and they attempted to sell the debt quickly to skirt the law. When the collections agency attempted to collect the debt and was challenged, neither the collections agency nor XXXX provided the legally required validation documents. Then, in an attempt to intimidate the consumer ( and to possibly defraud the government of more money ), XXXX attempted to take decade-old charged-off loans and make the accounts active so as to further damage my person and to try to collect additional fees, interest, and tax write offs.
All of this was done without any sort of bilateral communication, despite clear documentation that they did in fact receive all certified mail and requests as per multiple consumer protections laws and via multiple appropriate channels. I am requesting formal investigation into the practices of XXXX as they violate multiple consumer protections laws and violate my rights under federal protections. Further, I am requesting that XXXX remove these charges from my account as per government mandated statute of limitations and consumer protections laws.
Thank you for your time, XXXX XXXX XXXX
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12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/2022 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 4. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/2022 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX5 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/2022 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. I Was Never Late on this account XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
8. The inquiry was not authorized XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 9. Validate Account XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Best Regards,
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07/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Equifax has yet to update me on disputes filed XX/XX/XXXX, it's been well over 30 days with no response from Equifax. I've sent in documentation to prove my identity and to prove the accounts do not belong to me. I have a fraud alert on my credit file stating do not extend credit without contacting me by phone. I received a fraudulent inquiry XX/XX/XXXX and have no knowledge of said account it needs to be deleted immediately. I have no contracts with any of the said companies listed below and never have. I informed Equifax that two on the accounts are 7 years old and they refuse to remove said accounts : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I sent documentation for the XXXX account it includes someone else 's name that's not me, ID, social security number, and address. These two accounts needs to be removed immediately and indefinitely and not return on my credit file. Equifax has yet to send any contracts, or documents as requested showing validation of said accounts, as I stated above they are 7 years old and I've been disputed for years with no results. Equifax is reporting the Original creditor and the collection agency for the XXXX account. Neither the collection agency or original creditor own the account due to being shut down by the State attorney general and being sued, there's a {$550.00} million class action against XXXX for being a predatory auto lending company ( subprime lender ) for breaching their own contracts for charging improper fees and violating the FAIR DEBT COLLECTION PRACTICES ACT and the TELEPHONE CONSUMER PROTECTION ACT ( TCPA ). Based on the multistate investigation, the coalition alleges that XXXX, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. XXXX engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. ( XXXX for more info ). I have no contract with XXXX they do not own said account it was purchased by another collection agency XX/XX/XXXX and XXXX is still reporting to the credit bureau. XXXX didn't purchase the collection account they are trying to collect on a 7 year old account. I don't have a contract with this collection agency. The original creditor is XXXX and they are being sued, XXXX charged off the account and filed it as a loss on their taxes. The contract XXXX has is null and void and 7 years old. Equifax has all the documentation from me in regards to this fraudulent account and refuse to delete. XXXX also has complaints and lawsuits. XXXX is 7 years old XX/XX/XXXX and needs to be removed immediately and indefinitely from my credit file. Equifax has yet to validate said account with a contract and/or documentation. Equifax has yet to validate XXXX, XXXX XXXX, or XXXX. XXXX sent a medical bill with a name that's not mine, I need signed contracts mailed to my home address not bills. Bills don't prove anything. Below are all the accounts that needs to be deleted indefinitely and not replaced on my report, XXXX, XXXX, XXXX, XXXX, and XXXX were deleted off my profile due to no validation and in XXXX Equifax replaced the accounts back on my credit file in XXXX without any notification, by law they are to inform me of reinsertion of said items within 5-7 days before the place items back. All of the items listed below are duplicates and should be removed and not added according to FCRA. Items 7 years old can't be reinserted that's called re-aging and that's ILLEGAL. Under the Fair Credit Reporting Act ( FCRA ), the federal statute that was enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of the credit reporting agencies, there are very specific procedures that a credit reporting agency must follow before reinserting negative information that had previously been removed from your credit file following a dispute. Specifically, the FCRA states that your information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. In other words, if you successfully disputed and had a delinquent account on your credit report removed, the credit reporting agency could only put the account back on your report if it received information from the company that the account was accurate and if it provided you with notice that the account was placed back on your report. The credit reporting agency is required to maintain reasonable procedures to prevent the reappearance of a previously deleted account on your credit report. But unfortunately for many consumers, this is not always the case. One common situation when accounts often can reappear on your report is after a debt is sold. When a consumer accumulates debt and the original creditor tries to unsuccessfully collect on it, the debt is often times sold to a third party. After being sold to the third party, or debt collector, the account can be reinserted on your credit report with a different name as a new collection account. While this practice is in violation of the FCRA, consumers need to be aware of this practice and must notify the credit reporting agency immediately of the reinsertion. Just because the debt was sold to a new agency does not mean that it can be reported again as a new collection account, if you had it previously removed from your report. Equifax is in VIOLATION!!!!! DELETE ALL ACCOUNTS IMMEDIATELY I HAVE DOCUMENTATION SHOWING DELETIONS.
XXXX : Account # XXXX Balance : {$960.00} Unverified Account XXXX XXXX : Account # XXXX Balance : {$2100.00} Unverified Account XXXX XXXX : Account # XXXX Balance : {$1400.00} Unverified Account XXXX Credit : Account # XXXX Balance : {$730.00} Unverified Account XXXX : Account : # XXXX Balance : {$11000.00} Unverified Account Removed all Inquiries : XXXX XXXX Unverified Inquiry
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11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, XXXX. XXXX XXXX XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lastly 90 days late on XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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02/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX CREDIT BUREAU SPECIAL HANDLING DEPARTMENT XXXX ACCOUNT- XXXX LAST DAY OF FULL PAYMNET XX/XX/XXXX 180 FROM FIRST DELINQUENCY XX/XX/XXXX FINAL DATE WHEN THE ACCOUNT SHOULD REMAIN AS A CHARGED-OFF THIS DATE DOES NOT CHANGED IT IS A RULE AND IS MANDATORY. IF THIS DATE IS LATER MANIPULATE AND CHANGED TO A MORE RESENT DATE THEN CREDITOR IS THEN CONSIDER TO HAVE VIOLATE THE RULES WHEN REPORTING PLUS BY CHANGING THE DATE TO A MORE RESENT ONE THE ONLY POURPOSE WILL BE TO DAMAGE THE CREDIT SCORE AND CREDIT FILE, AND IS NO A WAY TO COLLECT A DEBT THAT HAS BEN WRITEN OF THE BOOKS I am writing this letter in response to the phone CONVERSATION WITH NAME PERSON XXXX representing your agency.
When I questioned INFORMATION regarding MY rights to DEMAND FOR REMOVING this, I was SURPRISE YOUR EMPLOYEE DID NOT UNDERSTAD THE policy WHEN IN REPECT TO WHAT IS A CHARGED OFF ACCOUNT HOW IT SHOULD BE REPORTED AND WHAT THE RULES GOVERN SUCH ACCOUNT.
REPRESENTATIVE SIMPLY TOLD ME THAT THERE IS NOT any validation of the information regarding this alleged debt and under CHARGED OFF POLICY CREDITOR CAN RE-AGED AND RAPORT THIS ACCOUNT FOR AS LONG AS IS BETWEEN SEVEN YEAR PERIOD AND THAT THEY WERE NOT required to provide me with ANY documentation supporting THAT RULES SHE BELIEVE IS CORRECT.
After being threatened AND INSULTED BY YOUR employee, I contacted the United States CONSUMER FINANCIAL PROTEECTION BUREAU ; I spoke with a representative who explained my rights and the fact that XXXX HAVE NUMEROUS complaints regarding your procedures and compliance standards.
The representative also pointed OUT that YOUR Firm IS REQUIRED BY THE FDCPA to PROVIDE all of the FOLLOWING information this is NOW FULLY REQUIRED by tort law precedent He also provided me with a link to their site where I took this information from verbatim and the procedure to report and initiate a regulatory action against your company for violation of the Fair Debt Collection Practices ACT!
I believe that XXXX handling of my account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ).
Provide verification and documentation that there is a valid basis for your BELIEVE THIS charge-off of this deb AND HOW IS BEEN HANDLE IS CORRECT.
For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for delinquent account?
The amount and age of the debt, and specifically WHEN IT WAS OFFICALLY RAPORTED AS A CHARGED-OFF MONTH AND YEAR State the maximum delinquency and when it was charged-off.
Tell me according to your records THAT YOU SHOULD HAVE ON FILE when this debt became due and when it became delinquent CREDITOR SHOUL HAVE AND IS REQUIRED TO PROVIDE THIS INFORMATION TO YOU Identify the date of the last payment made on this account and the amount of that payment.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Please describe in detail your firms charge-off procedures THAT WAS TAKEN THAT MEET COMPLIANCE If there have been any additional interest, fees, or charges added since the last billing statement, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement, provide an itemization showing the dates and amount of each of them and how those reductions or payments were accrued in your firms charge-off procedure.
Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed.
Please describe XXXX Credit Bureau system and the creditor reporting mechanism TO MEET THE compliance between CREDITOR AND XXXX Include a comprehensive explanation of the process and description of who handles the data entry TO XXXX, how that information is transmitted and whether the data entry function is outsourced..
Based upon information provided by THE CREDITOR TO THE credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this account is very high, therefore, please provide the LAST 4 Complete METR ) -2 updates submitted to all three Credit Reporting Agencies on this account ( In METRO-2 format including COMPLETE J-Segments and K-Segment with FULL End-Trace ).
If you fail TO CONFIRM ANY OF THIS ITEM WHEN I REQUESTED FOR AN INVESTIGATION WHICH IS REQUIRE OF THE CREDIT BUREAU TO PERFORM to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request including the CREDITOR THE authorized party is refusing to comply or make such information available.
If XXXX CAN NOT produce ALL of the above noted documentation in the allotted time frame, I will accept a written NOTIFICATION that you are suspending this account status AND REMOVE IT FROM MY CREDIT FILE. Said notification must INCLUDE a formal stipulation withdrawing your claim THAT A PROPER INVESTIGATION WAS NOT CONDUCTED consumer account and must note that you WILL NOTIFIED THE CREDITOR AND EXPLAIN WHY THEY CAN NOT not continue reporting the alleged debt or sell this debt.
THE CREDITOR MUST WRITTEN NOTIFICATION must also be provided to all the OTHER 2 Credit Reporting Agencies ( Equifax, and XXXX ). If you INFORM AND provide such written notification I will agree not to pursue immediate regulatory action and drop any further legal actions TO XXXX I have consulted with an attorney and know full well that XXXX was put on notice FOR THE SAME ISSUES, and that XXXX WILL MEET all these requirements or FACE a possible regulatory action leading to the suspension of your operating rights for NON-COMPLIANCE. IF YOU REFUSE TO REMOVE THIS FROM MY CREDIT FILE I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious and inaccurate activities Sincerely :
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11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern, Under 15 U.S. CODE 1681 ( a ) ( 4 ) - a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
XXXX IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ).
XXXX is taking information from a third party and is apply to my consumers credit report.
I am the only one who can dictate whats goes on my consumers credit report. I have a right to privacy and XXXX has NOT abide by the law. FIRST VIOLATION!
Under 15 U.S. CODE 1681 ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish aa consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX has violated 15 USC 1681 ( a ) ( 2 ). XXXX did not have permissible purpose to post anything to my consumers credit report.
I, XXXX XXXX XXXX never gave XXXX or any other bureau my WRITTEN Consent to post anything to my consumers credit report. XXXX never received a phone call nor written instructions. I ask that XXXX please send a copy of my handwritten letter giving you consent to do so. You can send my written letter to the address provided. No consent is identity theft!
Under 18 U.S. CODE 1028 ( a ) - Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification documentknowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( 6 ) knowingly possesses an identification document orauthentication feature that is or appears to be an identification document orauthentication feature of the United States or a sponsoring entity of an event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section.
XXXX has yet again violated another law!
XXXX has knowingly received information from a third party other than myself and posted to my consumers credit report. XXXX has indeed committed FRAUD!
XXXX has also posted hard inquiries to my consumers credit report which has effect my score tremendously. XXXX has cause me a lot of suffering because of this. XXXX has not reported any accuracy.
As of XXXX XXXX, XXXX is showing an inaccurate credit score of XXXX, which was just a XXXX score.
Under 15 U.S. Code 1666 ( b ) - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
XXXX strikes again with violating 15 U.S.CODE 1666.
XXXX has posted late payments to my consumers credit report based of the information received from a third party ( XXXX XXXX ).
I, XXXX XXXX is the ORIGINAL CREDITOR and I am the only one who can extend credit. XXXX can not extend credit now can they dictate what goes on my consumers credit report.
Under 15 U.S. CODE 1602 ( a ) ( g ) - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
XXXX has Violated numerous laws as listed above. A copy of this letter will be sent to all parties involved as well as the attorney general.
XXXX along with XXXX XXXX ( just to name a few ), has not only damaged my consumers credit report SCORE but knowingly committed numerous of crimes while doing so.
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01/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern, Me XXXX XXXX XXXX, the Consumer is protected by the rights under The Consumer Protection Act of 1968. XXXX equifax XXXX is Violating the law. I have requested numerous times for certain accounts and items to be removed from my consumer report. I have had no contract with your company.
XXXX has VIOLATED the Fair Credit Reporting Act. XXXX equifax XXXX XXXX Title 15 U.S. Code 1681b ( a ) ( 2 ). I never gave written instructions, or power of attorney to create a consumer report on me XXXX XXXX XXXX. This Is A VIOLATION of My Consumer Rights.
Every Account was derived and create with my federal credit card Pursuant to Title 15 U.S. Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Meaning my social security card! Every account or alleged account was open with my credit card XXXX XXXX CARD Pursuant to Title 15 U.S. Code 1681n XXXX equifax XXXX is Civil liability for willful noncompliance with my consumer report. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ; any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Pursuant to Title 15 U.S. Code 1681o XXXX equifax XXXX Is Civil liability for negligent noncompliance with my consumer report. Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure ; and In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
I have credit card accounts that should have never been on my consumer report. Its a VIOLATION of my Consumer rights pursuant to Title 15 U.S. Code 1681a ( 2 ) ( b ) Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I want XXXX equifax XXXX TO PAY FOR THE DAMAGES AND VIOLATIONS AGAINST ME THE CONSUMER. Every inquiry I dont have an open account with is in violation. Inquirys without a valid permissible purpose is a violation.
Title 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I Never gave consent to any credit agency or corporation to report or/and furnish and have any of my personal private information which is identity theft pursuant to 12 Cfr 1022.3 ( h ).
The following accounts and/or items that are violation of FCRA & need to be remove immediately : XXXX XXXX XXXX Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o XXXX Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code XXXX XXXX is Civil liability for willful noncompliance with my consumer report.
XXXX XXXX XXXX Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code XXXX XXXX Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n XXXX is Civil liability for willful noncompliance with my consumer report.
XXXX XXXX Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o XXXX Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n XXXX is Civil liability for willful noncompliance with my consumer report.
XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o XXXX Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n XXXX is Civil liability for willful noncompliance with my consumer report.
XXXX XXXX XXXX Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o XXXX Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n XXXX is CiviXXXX liability for willful noncompliance with my consumer report.
XXXX, XXXX.
Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o XXXX Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n XXXX is Civil liability for willful noncompliance with my consumer report.
XXXX XXXX XXXX XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o XXXX Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n XXXX is Civil liability for willful noncompliance with my consumer report.
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Ssn : XXXX For your violations, I am assessing a penalty/fine of {$14000.00} to be settled immediately upon receiving this communication, you have 3 days of receipt of these VIOLATIONS & Demands to settle this matter. If you do not comply and respond in a timely manner You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. In addition, if you do not comply fully you will be obstructing justice and held in contempt to be tried as a criminal. If you fail to respond or settle I will pursue a default judgement against you pursuant to XXXX XXXX of XXXX rules of civil procedures.
XXXX XXXX, XXXX
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09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have made repeated attemtps to resolve this matter.
Attempt 1 On XX/XX/2020, I sent Equifax and XXXX XXXX XXXX letters advising them of an error on my credit report. I also explicitly requested from both parties that if they can verify the information Equifax has listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. Neither party provided the name of the person supplying this data or the manner in which it was provided.
XXXX XXXX XXXX Response Regarding XXXX XXXX XXXX XXXX response to my dispute, I received the four different letters all dated XX/XX/2020, from XXXX XXXX XXXX. I have attached each letter. The letters contained three inconsistent statements related to my dispute - ( 1 ) XXXX XXXX XXXX can not find an account, ( 2 ) XXXX XXXX XXXX transferred the account to another company and told me to pursue the matter with that company, and ( 3 ) XXXX XXXX XXXX made a summary statement that the information is accurate ( without providing further details ). Below are excerpts of the letters : XXXX XXXX XXXX Letter Dated XX/XX/2020 ( Letter 1 ) Thank Equifax for your inquiry to XXXX XXXX XXXX. Please be advised that the ownership of this account has been transferred to XXXX XXXX, XXXX.
To pursue this matter further, Equifax may contact the agency at : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Letter Dated XX/XX/2020 ( Letter 2 ) Thank Equifax for contacting XXXX XXXX XXXX. We were unable to locate an account with the information that was provided.
XXXX XXXX XXXX Letter Dated XX/XX/2020 ( Letter 3 ) Thank Equifax for your recent inquiry to XXXX XXXX XXXX. We are in receipt of Equifaxr recent correspondence regarding an account with XXXX XXXX XXXX. Please be advised that we were unable to locate an account with the information that was provided.
XXXX XXXX XXXX Letter Dated XX/XX/2020 ( Letter 4 ) Our investigation into your request has determined that the above-referenced account is being reported accurately ; therefore, the credit report can not be changed.
These inconsistent statements seem to suggest that XXXX XXXX XXXX has not adequately investigated the matter. If, as stated in XXXX XXXX XXXX Letters 2 and 3, it can not locate my account, then the XXXX XXXX XXXX information on my credit report should be removed from my credit report, as XXXX XXXX can not validate the accuracy of this information.
XXXX XXXX XXXX suggestion in Letter 3 that I should contact the third party suggests that XXXX XXXX XXXX is either unable or unwilling to validate the credit report 's information provided by XXXX XXXX XXXX.
Lastly, I specifically requested in my XX/XX/XXXX letter : if you can verify the information Equifax have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. XXXX XXXX XXXX summary statement that the information is reported accurately without providing the details to support such an argument does not comply with my request for information. Its contention that the data is accurate, viewed in the context of the other inconsistent contentions, and not providing the basis for this conclusion, suggest that XXXX XXXX XXXX either can not or is not willing to validate this information 's accuracy.
XXXX Response As regards dispute results from Equifax, I specifically requested in my XX/XX/2020 letter that if Equifax could verify the information listed as accurate, to please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. Equifax has not complied with such a request, as outlined in my XX/XX/2020 letter.
Under the section captioned Notice to Consumers, it states that [ y ] ou may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. Equifax 's response advising me to ask for information that I already asked for in my initial correspondence suggests that Equifax may not have investigated my disputed as required by the Fair Credit Reporting Act, Section 1681.
Equifaxs and XXXX XXXX XXXX collective response is unsatisfactory to support the XXXX XXXX XXXX information remaining on my credit report.
Attempt 2 On XX/XX/2020, I made a second request via certified mail, which pointed out that Equifax did not properly address my XX/XX/XXXX dispute letter. In addition, I provided copies of XXXX XXXX response, which arguably supports removal of the item from my credit report.
The XX/XX/XXXX letter also requested that Equifax provide me with information and documentation regarding its investigation.
In response to my XX/XX/XXXX letter, I received Investigation results dated XX/XX/2020, stating, " We have researched the credit account. Account # The results are : We verified that this item belongs to you. Once again, I did not receive information about the investigation.
Attempt 3 I called Equifax repeatedly on or about XX/XX/2020. Equifax phone system sent me through a series of voice prompts, and repeatedly disconnect. I was unable to speak to a live agent.
Attempt 4 I spoke to a live agent on XX/XX/2020, who advised me that there was nothing further that she could do. When I declared that my next step was to file a complaint with the Consumer Financial Protection Bureau, the agent told me that I was free to do so.
I have spent hours writing letters to XXXX XXXX and Equifax and calling Equifax in attempts to get Equifax and XXXX XXXX to comply with the Fair Crediting Reporting Act. Neither party has provided me with the information requested. Plus, I have incurred expenses and travel time to the post office sending certified mailings.
I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score. My original dispute was filed on XX/XX/2020.
|
11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
|
I would like to solicit your help as a governing body over the Credit Reporting Agencies regarding a few matters that I have been attempting to solve with Equifax, which has gone without resolution for way too long now. I have written to Equifax on multiple occasions via certified mail, which have went unanswered, informing them of the information that I do not recognize, as well as information that I noticed to be inaccurate, incomplete, and inconsistent, according to my tri-bureau credit report. All of the items below are reporting differently by each of the Credit Reporting Agencies, XXXX, Equifax, and XXXX, XXXX is of high concern for me. Per your involvement, I ask that you please ensure that Equifax, as well as the Companies furnishing the disputed information, uphold the law, and delete the following items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ SAME ACCOUNT REPORTING 2 TIMES ; SHOWING XXXX ; HOW??? ]. Equifax Information Services XXXX XXXX, and the XXXX XXXX XXXX have violated one or more of the following U.S. Codes : 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 ; 15 U.S. Code 1681a ( 2 ) ( i ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802, etc. I value your time and will try to keep the explanations short. Per 15 U.S. Code 1681i, Equifax did not follow the rules and procedures upon disputed accuracy by a consumer ; on multiple occasions ; that alone is grounds for deletion! Yet, they are still reporting this information! ; 15 U.S. Code 1681c2 ( a ) ( I informed Equifax that there is information reporting that I do not recognize, which I believe identity theft, but was not blocked within XXXX days of receipt of dispute ) ; 15 U.S. Code 1681s2 ( Equifax & the Furnishers within this dispute are to NOT furnish disputed information that is believed to be inaccurate by the consumer. I first notified Equifax of this four months ago, and these companies continued reporting the entire time ; 15 U.S. Code 1681a ( 2 ) ( i ) states that any " transactions or experiences '' between the consumer and furnisher are to be " excluded '' from credit reporting. This means that you are not to report any information relating to an alleged transaction, such as payment history, balances, past dues, etc, nor an alleged experience I may have had with your company such as open dates, close dates, statuses, date last active, etc, without my explicit consent. It actually also states reporting this information is " prohibited ''. Nothing is to to be reported, therefore, I ask that you cease furnishing this information immediately ; Per 15 U.S. Code 6801, my personal nonpublic information was not protected ; my right to confidentiality was violated. Congress states that each nancial institution has an afrmative and continuing obligation to respect the privacy of its customers and to protect the security and condentiality of those customers nonpublic personal information, as well as to insure the security and condentiality of customer records and information ; Pertaining to 15 U.S. Code 6802, my personal nonpublic information was shared without my explicit consent : ie : my social security number. Congress states that a nancial institution may not, directly or through any afliate, disclose to a nonafliated third party ( XXXX, Equifax, XXXX, etc ) ANY nonpublic personal information ( meaning my social because it is not public ), unless such nancial institution provides or has provided to the consumer a clear and conspicuous disclosure notice. Meanwhile, I have never received a clear and conspicuous disclosure notice from any of these companies providing me with the " choice '' to provide personal information, or opt out of credit reporting. If you have this physical document on file, baring my unique signature, please mail me a copy of it. 15 U.S. Code 1681 states that Congress has determined that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efciency of the banking system, and unfair credit reporting methods undermine the public condence which is essential to the continued functioning of the banking system. Congress also states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Please stop impeding the banking system. I have a right to fairness, accuracy, privacy, and confidentially, which all XXXX are being violated by XXXX or more parties included in this complaint. Due to the trust issues that I have come to gain witnessing companies unknown to me furnish so much incomplete, inconsistent, and inaccurate data on my credit report, on top of Equifax going months ignoring my dispute requests, I am demanding that ANY company/furnisher whom continues reporting ANY information to Equifax, to please supply me with compelling documentation. If the information is not deleted, I will need for each respective company of the data to provide me with any physical documents that they may have on file baring my unique signature, such as any original contracts reflecting that I engaged in commerce with you, any disclosure forms baring my unique signature ( Disclosures must be clear and conspicuous per federal law ; also keep in mind that no consent is identity theft by law ) ; Also, please also provide me with the full accounting ledger of that account, so that I may review exactly how these balances were totaled from start to finish. I will examine all of these documents and cross reference that information to see if there are any correlation or matches my bank account or records. I do not consent to, and will not acknowledge any " statements '' mailed to me reflecting a balance owed, as it is not sufficient. Lastly, if any of the information that I am disputing is " updated '', after this complaint, meaning changed, or altered, in any fashion, then that just further proves my point that the information was never correct to begin with, and needs to be deleted!
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09/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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Equifax is refusing and in willful noncompliance with the Fair Credit Reporting Act concerning my rights. Although I have documented & recorded all of my efforts to correct erroneous information being reported by Equifax, my family has endured the negative and damaging effects of Equifax 's refusal to get in compliance. I have exhausted all avenues, and am hoping I get some help going through CFPB before utilizing my legal rights and avenues.
I have sent countless CERTIFIED NOTARIZED letters & other supporting documentation to Equifax & yet they still refuse to get in compliance. Equifax has stated countless times they have verified several erroneous accounts on my credit file, without providing me with the proper documentation I have requested. Instead each time I bring this information to their attention they just simply state they will do another investigation & still refuse to provide the documentation I have requested, in turn giving them more than the 30 days they were allotted to do the investigation properly the first time. In addition the numerous times I have requested this information I have properly identified myself by providing my valid driver license showing an address that matches up with my address showing on my credit report, a copy of my social security card, and a utility bill, yet they still will not.
The Fair Credit Reporting Act ( FCRA ) requires the Credit Bureaus to have PHYSICAL COPIES in THEIR files of documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU! Under the FCRA, Credit Reporting Agencies XXXX EQUIFAX XXXX must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer. Since Equifax can not provide proof of verification to me in the form of a physical contract document per my written request to do so the account is classified as UNVERIFIED and under the FCRA all UNVERIFIED accounts MUST BE DELETED. *The FCRA requires that all Credit Reporting Agencies or CRAs VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper Verification According to case law : the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT ( Specifically Section 609 on Page 35 ) : FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( Page 35 of the FCRA Included ) : ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information IN THE CONSUMERS FILE at the time of the request. Since I as the consumer have asked the Bureaus/CRAs to VERIFY the information being reported on my credit report, IN WRITING AND PROPERLY IDENTIFIED MYSELF ( Drivers License, Social Security Card & Utility Bill ) EQUIFAX is required to disclose the documents in which they are required to have on file ( original signed application ) or remove them immediately! FCRA 609 ( Page 37 ) ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, UNLESS the information is outdated under section 605 or CAN NOT BE VERIFIED. 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( Pages 3-7, FCRA ) g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( 2 ) Verification ( Page 7 ) ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumer 's application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer ; or ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.
Equifax refuses to provide me the proper proof of verification I requested. I have also called and spoke to several representatives only to be placed on hold for hours at a time and countless dropped calls. I have requested the method of verification for several accounts, because after speaking with several of the erroneous accounts listed on my file I have learned these creditors do not have verification documentation showing the erroneous behavior being reported. I even had a creditor who has on numerous attempts try to get the damaging information removed, but even there efforts were unsuccessful. When I informed the Equifax rep over the phone of this information I was just told I would have to take that up with the creditor. I once again said I tried and they do not have documentation to provide me, so pretty much I was stuck. I informed the rep that in accordance with the Fair Credit Reporting Act it is Equifax 's duty to consider ALL information provided by me in my dispute & me informing Equifax that the creditor does not have the proper signed contractual agreement is part of the dispute & should have been considered.
I am not contractually obligated the following collection accounts & erroneous information. I have sent written notification to Equifax via certified mail to have accounts verified on several occasions. They sent me a notice back stating the accounts were verified and will remain on my credit report however they did not send me a copy of a signed contract showing that I owe this debt or that I had a late payment history for the accounts I specified below : *XXXX XXXX XXXX XXXX *XXXX XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX *XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX Late Payment history NOT VALID : *XXXX XXXX XXXX XXXX XXXX ( late payment history ) XXXX XXXX XXXX XXXX XXXX late payment history ) *XXXX XXXX XXXX XXXX ( late payment history )
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04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Teletrack XXXX XXXX XXXX XXXX, XXXX XXXX RE : REQUEST LETTER TO REMOVE INACCURATE INFORMATION RE : REPORT ID : XXXX To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681 a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states tat Is the consumer reporting agencys responsibility to ensure that all information contained within consumer flies is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating and the disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 a ( d ), to third parties.
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, at XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681 e ( b ), and explaining that assure means to make sure or certain : put beyond all doubt, [ m ] aximum means the greatest in quantity or highest degree attainable [, ] and possible means something failing within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; XXXX. Comply with the investigation requirements, as required by 15 U.S.C. 1681| ; 3. Should not provide consumer file to companies without determining that these companies had permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681b ; 4. Provide consumer file pursuant to 15 U.S.C. 1681g ; 5. et seq.
Accordingly, I request your company to provide verifable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory infomration from my consumer report.
For your convience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my autorized inquiries. Please correct this by the removal of these litems from my consumer report. See. Exhibit A.
Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary.
I know that your company will need some sort of certification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( 30 ) day window so as to avoid any violation of the FCRA. Finally, please send me a copy of the changed consumer report at the earliest.
Thank you for your assistance in this matter.
Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING XXXX DOCUMENTS THAT VERIFY MY IDENTITY ID/Drivers License Social Security Card EXHIBIT A I hereby dispute these derogatory accounts and request the following items be thoroughly investigated and deleted from my consumer report, please see below : Name of Account, Name of Source, Type of Item Account Number of Identifier Please correct the spelling of my name and delete others : XXXX XXXX XXXX XXXX XXXX XXXX number ( s ) as they dont belong to me : XXXX My current phone is : XXXX Please delete all addresses as Ive never resided there : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, XXXX XXXX XXXX XXXX, XXXX, IL. XXXX My current address is XXXX XXXX XXXX XXXX, XXXX, IL. XXXX.
Please remove all inquiries as I did not authorize the use of my personal information : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Holdings Installment Loans XX/XX/XXXX ADDITIONALLY *Please add a promotional suppression to my consumer file.
NOTARY ACKNOWLEDGEMENT Executed this [ XXXX ] day of XXXX in_____XXXX_______ [ city ], _____IL_______ [ state XXXX ____XXXX XXXX XXXX Name of Person Acknowledging ________________________ _____ Signature of Document Signer State of _IL______________________ ) ) ss.
County of ____________XXXX_________ ) On XXXX, before me, ____________ XXXX XXXX, a Notary Public In and for said state, personally appearedXXXX XXXX XXXX personally known to me ( or proved to me on the basis of satisfactory evidence ) to be the person ( s ) whose name ( s ) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity ( ies ), and that by his/her/their signature ( s ) on the instrument the person ( s ), or the entity upon behalf of which the person ( s ) acted, executed the instrument.
CONFIDENTIAL AND PRIVILEGED This document contains privileged and confidential information intended only for the use of the addressee named above. If you are not the intended recipient, or the employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any dissemination or copy of this letter is strictly prohibited. If you have received this in error, please notify me immediately via email and return the original copies to me at the above address via U.S. Mail.
Thank you.
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07/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Older American |
In Accordance with the Fair Credit Act, XXXX reporter Equifax has violated my rights. 15 USC 1681 Section 602-8 states that I have the right to privacy. 15 USC 1681 Section 604a- Section 2 states that a consumer reporting agency can not furnish consumer accounts without having my written instructions to do so. The following accounts are material evidence for the purpose of this complaint, XXXX XXXX Act. # XXXX Collection/ Chargeoff XXXX Opened {$0.00} High Balance {$9100.00} Balance, XXXX XXXX XXXXXXXX-Closed Act. # XXXX 90 Days XXXX XXXX Opened {$7400.00} High Balance {$5800.00} Balance, Dept Of Ed / XXXXClosed Act. # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance , Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$7100.00} High Balance {$0.00} Balance, Dept Of Ed / XXXXClosed Act. # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. XXXX XXXX 120 Days Late XXXX Opened {$6800.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX XXXX {$12000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$12000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$20000.00} High Balance {$0.00} Balance , Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$13000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$14000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$15000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$20000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX Closed XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX Closed XXXX Opened {$12000.00} High Balance {$0.00} Balance, XXXX XXXX Act. # XXXX Closed XXXX Opened {$0.00} Credit Limit XXXX XXXX XXXX Act. # XXXX Closed XXXX Opened {$700.00} Credit Limit {$0.00} Balance, XXXX XXXX Act. # XXXX Closed XXXX Opened {$350.00} Credit Limit {$0.00} Balance, XXXX XXXX XXXX XXXX XXXX Closed XXXX Opened {$7400.00} High Balance {$0.00} Balance XXXX XXXX XXXX XXXX Balance {$4700.00} Original Creditor : Not XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Closed Condition, Original Creditor : Not Available XXXX XXXX Act. # XXXX Opened XXXX Reported Closed Condition, XXXX XXXX XXXX # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$9100.00} Balance, XXXX XXXX XXXX XXXX XXXX # XXXX Collection/ Chargeoff XXXX Opened {$0.00} High Balance {$2100.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, XXXX XXXX XXXX XXXX Act. # XXXX Closed XXXX Opened {$700.00} Credit Limit {$0.00} Balance, XXXX XXXX XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, XXXX XXXX XXXX XXXX # XXXX Closed XXXX Opened {$350.00} Credit Limit {$0.00} Balance, XXXX XXXX XXXX Balance {$4700.00} Balance {$4700.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX Balance {$67.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition, Dpt EdXXXX Act. # XXXX 120 Days Late XXXX Opened {$12000.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$6800.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$20000.00} High Balance {$0.00} Balance, Dpt Ed/XXXX XXXX # XXXX 120 Days Late XXXX Opened {$7100.00} High Balance {$0.00} Balance, Dpt Ed/XXXX XXXX # XXXX 120 Days Late XXXX Opened {$12000.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$15000.00} High Balance {$0.00} Balance, Dpt Ed/XXXX XXXX # XXXX 120 Days Late XXXX Opened {$12000.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$14000.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$20000.00} High Balance {$0.00} Balance, Dpt EXXXX XXXX # XXXX 120 Days Late XXXX Opened {$13000.00} High Balance {$0.00} Balance, XXXX Act. # XXXX Closed XXXX Opened {$21000.00} High Balance {$9100.00} Balance, XXXX Act. # XXXX Closed XXXX Opened {$0.00} Credit Limit {$0.00} Balance, XXXX XXXX # XXXX Closed XXXX Opened {$700.00} Credit Limit {$0.00} Balance, XXXX XXXX Act. # XXXX Closed XXXX Opened {$350.00} Credit Limit {$0.00} Balance
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06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Was not notified of investigation status or results Difficulty submitting a dispute or getting information about a dispute over the phone XXXX has testified many times before Congress, including before your agencys Committee, on the need for reform of the credit reporting system to address issues such as : - unacceptable error rates and the myriad types of systemic inaccuracies in credit reports ; - the travesty of the automated dispute system used by the credit bureaus ; - the absurdity that credit reports and scores treats consumers who have fallen on hard times as irresponsible deadbeats ; - systemic racial disparities in credit scoring ; - the unfair impact of medical debt on credit reports ; and - the problems with use of credit reports for employment purposes. None of them have been adequately addressed despite decades of efforts by federal and state regulators, state legislatures, and consumer advocates. Moreover, we added a new problem to address in XXXX, the deficiencies in data security that led to the massive Equifax data breach, which also has not yet been adequately addressed.
For the last Ten Years, I have been trying to reason let alone tolerate the massive incorrect info this horrible credit bureau Equifax has been posting on my personal credit report. With, Equifax paying this unknown scam of a company called XXXX Score that keeps placing UNFAIR negative credit scores and inaccurate info on to my credit file.
I XXXX XXXX XXXX has no idea why these two filthy companies want to stop me from becoming successful and maintain good credit score.
These 2 horrible companies continuing to lie, cheat and distort my credit report and score for heartless unnecessary reasons I do not know. I am 40 to 55 points away from a good credit score of XXXX with XXXX and XXXX credit bureau. Over the past two years Ive have worked my XXXX off during this horrible pandemic to get my credit at a point of good status ... enough I HAVE HAD ENOUGH OF EQUIXFAX EVIL CONSPIRITIES!
It has come to the point of no return that I must start civil litigation against both Equifax and XXXX Score. I have now hired a consumer attorney to file me a claim to sue the consumer protection for not protecting me as a consumer I also have asked the XXXX to look into this issue as well due to your agencys incompetence in performing your horrible services just the same as Equifax.
With this being said I must still follow unfair credit laws and continue to place my complaints there fore when we get into local courts, I will have proper documentation showing that I have bent over backwards and forwarded even XXXX tumbled as a XXXX-year-old woman to stop Equifax and XXXX score from illegally trashing me when I am working my XXXX off to re-open my company front doors from this horrible pandemic.
I am in the process of trying to apply for a commercial loan to be able to hire contractors to re-open my nonprofit org. thus redesign my nonprofit so that the 6000 youth and elderly people in my community can have a place to come back to for community connections. I AM SO SICK OF EQUIFAX/XXXXSCORE PERDIOD ruining my credit score for no reasons!! I WANT A judge to see what the XXXX these 2 horrible companies problem is. If you would take a look at my recent info credit file from Equifax, you will be angry just like me. You will not understand this horrible low XXXX credit score from these scam artists that started the process of ruing all USA consumers credit and identity by setting Americans up for these horrible crimes such as identity theft gifts from Equifaxs company data BREACH! I XXXX XXXX XXXX knows for fact I was involved in Equifaxs company data BREACH because I received a letter from Equifax when I lived t XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX The USA has tolerated 50 years of legislative activity including the FCRA, 50 years of FAILED consumer advocacy, and decades of enforcement by federal regulators and state Attorneys General yet the struggle for consumer justice in credit reporting is far from being achieved.
It looks like Equifax systemic inaccuracies that pervade the credit reporting system include : Mixed files., in which information belonging to one consumer is improperly reported in another consumers credit report. Mixed files are caused by insufficient and overly loose matching criteria, in particularly the practice of matching data based on only 7 out of 9 digits of a Social Security number. Furnisher errors. Errors in credit reports are often caused by the creditors and debt collectors that provide data to the credit bureaus, known as furnishers. Common errors include attributing an account or debt to the wrong consumer, incorrectly recording a payment history, or re-aging a stale debt past the seven years permitted by the FCRA.
Identity theft. Credit bureaus and MOST OF ALLthe
United States Postal Service and government agencies such social security and Ohio jobs and Family services that sends your personal info thru the horrible US postal service mail are certainly the MAIN furnishers all
parties mentioned in this formal certified complaint certainly bears FULL complete share of the blame for the fallout from identity theft, misinformation that all national credit bureaus reports ect.,. I have been hit with identity theft and total of three times ( 3 ).
The credit bureaus loose matching procedures contribute to the problem of identity theft, and EQUIFAX data breaches gave thieves the tools needed to 8 114 Cong. Rec. 24,903 ( 1968 ). 5, commit frauds indeed should be held accountable! When consumers try to fix the aftereffects of identity theft, we as consumers are put through constant XXXX that I will. Just take a look below at what Equifax keeps on doing to my credit score and credit file.
THIS HAS GOT TO BE PUT TO A STOP. IF YOU CAN NOT ACHIEVE WHAT IT IS YOUR AGENCY IS SUPPOSED TO DO ... WHICH IS TO STOP CREDIT BUREAUS FROM COMMITTING THESE KINDS OF UNFAIR CREDIT ACTS THEN GET ON THE BALL AND PUT A STOP TO THIS EQUIFAX!
JUST LOOK AT THIS COPY OF MY EQUIFAX CREDIT REPORT ANDE AWFUL FOR NO REASON CREDIT SCORE! THERE ARE NO ISSUES ON MY CREDIT SO I SEE NO REASON FOR THIS AWFUL INCONSISTANT CREDIT SCORE!
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12/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
No matter how much I try to ensure that no one has access to my credit, I still receive alerts that my credit has been pulled. I have not given anyone authority to pull my credit. Equifax, XXXX, and XXXX keep allowing this. I am XXXX years old and was NEVER a college student, however, there is a XXXX XXXX XXXX XXXX on my report. THESE ACCOUNTS ARE FRAUD AND THEY ARE NOT MINE! I filed an Identity Theft Report, however, no one is complying. I am not even receiving an explanation as to why they aren't. CFPB, this is my 3rd request for you to look into this, however, you allow them to allow someone to try and ruin my reputation and my credit. As of today, my credit should not be pulled unless they can verbally see me or talk to me at XXXX. I have so many things from the identity theft that should not be on my credit. This is ridiculous that I have to continue to make complaints. The following inquiries just popped up : XXXX XXXX ... today!
XXXX ... today!
XXXX ... 2 inquiries ... XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX ... XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ... XXXX XXXX XXXX ... .NOT MINE. This occured due to identity theft and it needs to be blocked. I have never attended college and the time they said that I went, I was about XXXX years old. Please stop them from doing this to me.
a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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On XXXX XXXX, 2017 I submitted a 609 dispute letter, identity theft report, a police report and I 'm including a Identity Theft Blocking letter today. This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW. On XXXX XXXX, 2017 I spoke with XXXX, a Fraud Representative at Equifax out of NV, whom advised can not dispute nor remove the US Bankruptcy, it has to fall off. And I was transferred to the supervisor XXXX at Equifax in NV, whom stated they verified the bankruptcy case with the U.S. Bankruptcy courts. As stated in my dispute letter, the County Recorder indicated that they do not under any circumstances verify any information to credit reporting agencies.
And per FCRA, " FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft '', ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency -- ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Commission to obtain consumer information regarding identity theft.
( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if -- ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.
( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this title.
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08/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XX/XX/2018 I am unable to provide exact dates because I have been dealing with two seperate companies that are some how still tied to each other as one sold their company to the other but never, " Closed '' their loan contract so I am showing the, " Old & the New Joint Loan '' as if it were two loans. It is very confusing and not even these companies could figure out how to fix this mess! These companies have committed illegal activities. REPORTING BILLING ERRORS WITH ILLEGAL/FRAUDULENT ACTIVIIES BY CREDITORS : XXXX XXXX XXXX & XXXX XXXX RE : Illegal/fraudulent Loan ( s ) Loan Accounts are grossly incorrect on both, Old and New Accounts. Disputed both XXXX XXXX XXXX & XXXX XXXX Creditors as numerous accounts have been opened and closed that were not approved by US the Consumers. Plus, Old Loan information that should have been CLOSED is still OPEN and billing my bank account! The same thing is happening with the newest account which is Joint Account XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Companies are and have been violating our rights under the, Federal Trade Commission Lending Laws It is illegal to be billing us for accounts in which they all have different accounts numbers, with different amounts due, and an account that should have been closed when we entered into a, Joint Loan Contract but they did not close it and continued to report this information to the Credit Bureaus! Other accounts have been, Opened and Closed without our consent or Loan Agreements with both XXXX XXXX XXXX and XXXX XXXX. These illegal and fraudulent, Open and Closed Accounts show dates that were not applied by my husband or myself, yet these companies continue to report them as if they were legal! All three, major credit bureaus are showing many different accounts and the billing errors that are being reported do not match or make any sense! XXXX XXXX, Equifax and XXXX all have numerous accounts that are listed as, Paid in Full, yet we never signed loan contacts for any of these accounts! It is quite illegal and fraudulent to conduct such business as there are many, many incorrect billing errors. Plus, the questions as to where our monthly payments are being applied to? After reaching out to both companies I finally decided it would be in our best interest to move forward in disputing these illegal loans with, XXXX XXXX, Equifax and XXXX so they can investigate and confirm that these illegal loans are not valid and need to be removed/deleted from our credit reports. So, to date we have disputed these, Illegal Opened and Closed Accounts and on my XXXX XXXX Credit Report, they investigated and confirmed this illegal information and they removed/deleted the account showing and on my husbands Equifax Credit Report they have removed and deleted all of the illegal accounts with these companies as they too investigated and confirmed these loans as fraudulent and grossly being reported as such. We will continue disputing with All three major credit bureaus, XXXX XXXX, Equifax and XXXX Credit Bureaus so that all illegal/fraudulent activities can be removed/deleted from our Credit Reports! Plus I had no other choice but to do a STOP PAYMENT with my Banking Institute as I had our payments set-up as, Automatic Payments withdrawn from our bank account on a monthly basis but we have no ideas where are payments are being applied to as the accounts are illegally reporting to the Credit Bureaus! It is a complete mess that not even these companies could give me any clear answers as to why this was going on in the first place. Also, being placed on both my husbands and my credit reports are many Inquires for loans that we know we did not do. I believe that on just my credit reports I have up to six or more inquiries from both companies. My husband 's is just as bad as mine on the Inquire Section of our credit reports. One other very important issue that I would like to bring to the attention of Credit Financial Protection Bureau is that these companies do not explain clearly the terms of the loan agreement till after a person signs the loan contract. When I brought this to the attention the Loan Officer I expressed to her that had I fully understood the terms of these loan agreements, I would have never signed the loan contract! I feel certain information is withheld till after the fact! In fact, I even made a comment that I felt so very bad for our Elders who most are only XXXX-Speaking and they have a hard time understanding the English Language and the Office Manager agreed with me and said that she too felt bad for, Our Elders! Plus, these loan officers seem to rush through the loan process as they make you feel that they have other people waiting so a person does not get that full one on one time that is truly needed in these types of situations. My experience was far from professional as both times I met with the, Office Manager and Loan Officer, they both took telephone calls while working with me and they also tried to help other people apply for their loans at the same time! I was very dissatisfied with how these companies have trained their employees as it lacks professional respect! Accounts Removed from XXXX XXXX Credit Report XXXX - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. Between XX/XX/2018 and XX/XX/2018, your account with XXXX was removed from your credit report. Information from Equifax Credit Report We noticed 1 change to your credit report. Updated Account Information XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Consumer disputes - reinvestigation in progress I can not provide the correct account numbers on the two different loans as the account numbers do not match and are showing as being opened by the these two separate companies which are XXXX XXXX XXXX and XXXX XXXX.
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06/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
1.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
2.In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
3.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
4.In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
5.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX BANK, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
6.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX BANK, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
7.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
8.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
9.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
10.In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
11.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
12.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
13.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX BANK, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
14.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
16.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX BANKRUPTCY, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
17.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX ( HARD INQUIRY ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
18.In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( HARD INQUIRY ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
19.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX ( HARD INQUIRY ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U..S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention.
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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11/07/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is in response to your response to me via CFPB regarding the complaint that I filed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Equifax responded that Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. This statement is incorrect. In XXXX of XXXX I sent 3 Certified Letters to Equifax that have been sitting at the post office since XXXX of XXXX. On XXXX/XXXX/XXXX I submitted another complaint via CFPB, complaint number XXXX, with attachments showing the following : All of the certified letters that I have sent to Equifax has not been picked from the post office. Equifax is not picking up the mail from their P.O. Box. Tracking # XXXX, XXXX, XXXX all show DELIVERY ATTEMPT ACTION NEEDED The certified letters have all been available for pick up from the post office since XXXX XXXX, XXXX. These letters which I paid good money to send certified have been sitting at the post office in XXXX, GA since XXXX/XXXX/XXXX at XXXX XXXX I also provided you a copy of my bank statement from XXXX of XXXX showing that I paid XXXX XXXX {$410.00}. XXXX XXXX deducted the funds out of my checking account on XXXX XXXX. Instead of deleting XXXX XXXX, because they should have never been on my credit report, Equifax increased the amount owed on my credit report by {$830.00} now making the alleged debt owed to {$1200.00} with a last payment of {$410.00} showing the last payment date of XXXX. THAT ALONE IS ENOUGH TO SUE EQUIFAX FOR CLEAR VIOLATION OF THE FCRA. I never borrowed {$1200.00} from XXXX XXXX and there is not a document a exists that can prove that I ever borrowed that amount. Equifax intentionally changed my credit report to reflect an ILLEGAL, ERRONEOUS DEBT OF {$1200.00}. Equifax has ignored my repeated request to VALIDATE THEIR RECORDS AS PER Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure Section which is to provide for the protection of consumers against false and erroneous reporting.
This section of the FCRA places the burden upon the Credit Bureaus and the creditor to prove an account is yours.
To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). Instead of picking up the documents that I provided as proof from the post office, and ignoring the complaint that I filed on XXXX/XXXX/XXXX, with the same documents that I sent certified to Equifax, now attached to complaint number XXXX, shows that not only has Equifax failed to investigate this matter, but Equifax has intentionally altered my credit report with erroneous information and sent me proof that they have done so. That is enough for me to go and obtain a FREE CONSUMER RIGHTS ATTORNEY and sue Equifax for {$1000.00} per violation for. 1. Defamation 2. Negligent Enablement of identity fraud. 3. Violation of the Fair Credit Reporting Act!
Once again I am requesting that all of the following be deleted and blocked or I will take all of this information and sue Equifax : Inquiries From- None of these companies listed below can provide you signed document bearing my signature showing that I requested them to run my credit. I have never contracted with any of these people. I fomrally request that all inquiries be removed from my credit report. Factual Data XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ND XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX I have never done business with this company. NO contract. XXXX XXXX XXXX XXXX NO Contract All information listed on my credit report regarding this account is incorrect. I even sent you documentation showing that this was paid in full in XXXX directly to XXXX XXXX from my checking account. I request that all of the following addresses be removed from my credit file as they are not accurate address and per the FCRA do not represent my true credit file. PLEASE REMOVE : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX PLEASE REMOVE EMPLOYMENT : XXXX XXXX : XXXX I am again requesting information be validated. Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation and your METHOD OF VALIDATION. I am aware that the credit bureaus employ all sorts of interesting automated tactics in an attempt to deal with deadlines. Yet many times the computerized methods fail to do their job properly. According to the law, the burden of proof is on the credit bureau and not the furnisher of the information and most importantly NOT THE CONSUMER ( ME ).
I am again attaching the same documents that I have provided to you before as proof that Ad XXXX and XXXX should not be on my credit reports. THIS IS MY FINAL GOOD WILL ATTEMPT. I will also be filing a complaint and providing this documentation to the FTC. I am attempting to have you correct you records simply because Equifax are the ones that is now reporting false, altered, and erroneous information in my credit file which I can prove in a court of law!!! I am attaching a letter from XXXX XXXX showing that XXXX advised me that this is NOT AN ATTEMPT TO COLLECT A DEBT. I asked for validation of the debt per the FAIR DEBT COLLECTION PRACTICES ACT and I received nothing but that letter. Yet Equifax has them listed on my credit report. These are several violations alone.
Please find attached once again a screen shot of all 3 tracking numbers from XXXX XXXX showing that Equifax has intentionally not done their due diligence. I am again attaching a copy showing that XXXX XXXX was paid, yet Equifax allowed XXXX XXXX a company I have never done business with to report false information on my credit report, hurting my livelihood. I will file suit!!!
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01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, 1. XXXX XXXX AUTO Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Also, 60 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the interest of the Credit Agency and its members as Data Furnishers : To my knowledge, as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : - See list in attachment Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud and unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, a conflict of interest against the equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Title 28 U.S. Code 1746.
XXXX XXXX XXXX XXXX XXXX Living Soul , Beneficiary Non-person, Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX is refusing to update the balance on the XXXX XXXX XXXX account to {$0.00} probably because filling up their pockets with XXXX XXXX 's ill gotten money is more important than doing the right thing.
XXXX XXXX started financing my XXXX XXXX XXXX from XXXX of XXXX at 22 % APR and XXXX $ monthly payment. I have comprehensive insurance coverage on this car with a deductible. OnXX/XX/XXXX, I was involved in a hit and run accident. My car was totaled. To God 's glory I am alive even though I have taking medical treatment. By XX/XX/XXXX, XXXX XXXX received a check of {$16000.00} from the insurance, bringing the balance I owe on the car down to {$5700.00}. This balance they are required by NY State Personal Property Laws and Insurance Law to collect as Gap Credit for. They confirmed that I can Gap Insurance but refused to apply the gap insurance to the balance.
Until recently, it was showing that I am owing $ 23,000+ on a vehicle I no longer have, they received money from insurance, and they even validated the balance ( of {$23000.00} ) as correct after I disputed the balance with the three credit bureau to be wrong. I mailed with the dispute police accident report, evidence of insurance payment and a copy of payment history ( up until the insurance payment ) indicating the payments were made to THEM XXXX XXXX!!!!!! Yet they lied blatantly that I still owed $ 23,000+ to the three credit bureaus.
I can't get better credit ; I can't get new car!
The ugliest part is that I have spoken with the supervisors severally, and they lied to me on record, that yes, they have reported to the credit bureaus the payment has been made!!! How dare them lie blatantly!
The credit bureaus because they collect money from the creditors refuses to delete the balance even when there are bunch of hardcore verifiable evidences showing the payments were made.
The credit bureau collects money from the creditors ( XXXX XXXX ) and accept any report they make on any of their customers even when there are overwhelming evidences indicating that their report is false. When you dispute it, they ( the credit bureaus- the cops ) ask the thief ( XXXX XXXX ) to update the report correctly ( return the money they stole ) instead of investigating the documents ( the video evidence showing the thief steal the money ) you sent them. The hardcore evidence is right in their face, but they refuse to amend my credit file to reflect the truth because lining up their pocket is more important than the truth!!!!
After the first dispute I made with the three credit bureaus- Equifax , XXXX and XXXX XXXX XXXX XXXX lied that the $ 23,000+ balance is correct. I disputed the account and the balance a second time with the insurance payment letter. The three credits bureau brought down the balance to {$3200.00}.
I continued to call XXXX XXXX to please updated my credit report to reflect the fact that they received the insurance payment, and that they applied the New York State Gap Insurance which covers whatever my auto insurance company does not cover. They refused. I then went ahead to XXXX and XXXX to make a complaint. Few days after the complaints, a lady who skeptically says she represents XXXX XXXX left me a voice message with her number. To my utmost surprise, this is the first time I ever received a call from XXXX XXXX since this who issue started from XX/XX/XXXX of XXXX. I called the lady and she continued to spew lies and lies and deception until the call was over.
In retaliation for the complaints made on the XXXX and XXXX platform, XXXX XXXX began making random adverse, derogatory and negative reports on my credit file with the credit bureaus. My credit score went from XXXX in equifax to XXXX as today in less than few days ; and XXXX to XXXX in XXXX. They reported that I am owing them $ 7,000+ to Equifax and that I am 60 day late in payment from the thin blue air. I was utterly surprised when I saw that few days ago, they reported to XXXX that I am 30 day late in payment and that the balance is $ 7,000+ two days later, they updated it that I am 90 days late and {$3000.00} in balance. By tomorrow or next, they will dump the whole negative data on my XXXX in which I currently have XXXX credit score just to mess it up and to destroy me. On top of the pain I am going through from the accident, these heartless destiny destroyers are chasing after me, causing me unimaginable frustration and XXXX. I have barked, begged, yelled, caused to get this resolved to no avail.
All these prove a deliberate, demonic and heartless series of actions by XXXX XXXX to frustrate my life and damage my credit file/life.
For a perspective, log on to XXXX website and XXXX. You will see 100s if not 1000s of heart-wrenching complaints from average American consumers complaining about the same, worse or similar case like mine. No one is holding them accountable and it is bolstering them to continue.
I don't have any derogatory data on my credit file except for what XXXX XXXX is dumping in it.
How can I be 90 day late when I had an accident on the XXXX of XX/XX/XXXX and they received {$16000.00} from the insurance company, + the supposed NY Gap Insurance?
Their staff and reps are trained to manipulate words, and phrase even legal phrases to lie successfully. So, watchout for a strange term they might coin out in reply.
References for Insurance Law, NY Gap Insurance Law, NY Personal Property Law : Insurance Law 1113 ( a ) ( 26 ) New York Personal Property Law 302A ( 2 ) ( McKinney 2006 ) PLEASE AVOID XXXX XXXX. THEY ARE DESTROYERS. ONCE YOU ARE IN, GETTING OUT IS A BIG PROBLEM BECAUSE THEY WON'T WANT YOU TO DO SO. THEY EXPECT YOUR CREDIT TO BE EVER BAD SO YOU CAN BE STUCK WITH THEM AND THEIR RIDICULOUSLY HIGHER INTEREST RATE. ONCE YOU IMPROVE YOUR CREDIT OR WANT TO CHANGE YOUR LENDER, THEY MUST FIND ONE THING OR THE OTHER TO HOLD YOU DOWN AND EVEN USE THIRD PARTIES TO DESTROY YOU. JUST LIKE THEY DID TO ME, MY CREDIT SCORE WENT FROM XXXX TO XXXX IN LESS IN ONE WEEK. THEY KEPT ON REPORTING CONTRADICTING DATA TO MY CREDIT FILE IN DAYS APART JUST TO MAKE SURE MY CREDIT REPUTATION IS DAMAGED.
STAY AWAY FROM THEM, YOU ARE WARNED!!!
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03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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All of accounts which I listed before I did not opened and never signed any documents. All of them opened fraudulent that's why I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.
( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the
effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 )
Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the
consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as
such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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06/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XXXX XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, Texas XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
1. Identity Theft U S DEPT OF EDXXXX Account Number : XXXX This is not mine.
2. Identity Theft U S DEPT OF ED/XXXX Account Number : XXXX This is not mine.
3. Identity Theft U S DEPT OF EDXXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
Reinvestigation Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts,, bbut the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to disputed each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit file.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of Appropriate proof of identity of the consumer ; A copy of an identity theft report The identification of such information by the consumer ; and A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX is refusing to rectify non-receipt of statements as notified through billing error notice on or around XXXX XX/XX/XXXX. On that day I filed a billing error notice that clearly showed their system HAS NOT generated biling statements from XX/XX/XXXX through present. XXXX XXXX closed out the complaint claiming that the complaint was a duplicate of a comlaint XXXX filed on or around XXXX XX/XX/XXXX.
The two ( 2 ) complaints are distinct. Complaint XXXX involbes having not received statements and zero ( 0 ) billing error investigation conducted after notification in XXXX or XXXX of XXXX. They never rectified the situation. I was no able to login to the online system nor was receiving billing statements even though XXXX XXXX had my correct mailing address.
However, the complaint XXXX XXXX is marking as a duplicate, complaint XXXX, is distinct in that this is no longer an issue with being able to log into the website, nor inability simply to retrieve statements : the issue is NO STATEMENTS HAVE BEEN GNERATED BY XXXX XXXX XXXX SYSYTEM for XX/XX/XXXX.
I suspect this happeend when back in XX/XX/XXXX I notified the collections agency XXXX XXXX retained to try and collect on a debt I did not owe due inability to rectify the their billing errors at that time pusruant to 12 CFR 1026.13. That collection agency, after consultation with their internal counsel, chose to send the matter back to XXXX XXXX notifying XXXX XXXX of the issues I outlined. Only then did XXXX XXXX suppress my statements as they investigated the issue. However, once their investigation concluded, they did not begin generating statements again leading to the issue in XXXX. Thus XXXX is not the same complaint as the earlier XXXX.
Therefore XXXX XXXX is in gross violation of CFPA, because they are reporting information regarding payment history for time periods I can not retrieve a bill for. In fact the note on the website says " Your Billing Statement PDF is temporarily unavailable for download '' and no statements appear for retrieval -- at all. What's even more egregious is that XXXX XXXX had the audacity to claim in their response to XXXX that " if I did not receive a paper bill, I could log in to see what the charges and balances were associated with my account OR call regarding the charges. '' However CFPB 12 CFR 1026.2 outlines that I am entitled to receive a statement and outlines the periodicity of statements. Moreover, 12 CFR 1026.7 explains what XXXX XXXX must provide in that statement. Failure to provide statements to a consumer within plus or minus four ( 4 ) days of the same date each month and the subsequently notifying the CRAS payments were late for that same period is clearly unfair, thus vioating Section CFPA 1036 ( a ) ( 1 ) ( B ) / 12 U.S.C. 5536 ( A ) ( 1 ) ( B ) and unlawful under 12 CFR 1026.13.
In fact XXXX XXXX never corrected their reporting from the period as outlined in my complaint XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Finally, I have XXXX of lXXXX and XXXX that create periods of synesthesis with XXXX and XXXX because my brain has become XXXX during XXXX. This includes XXXX. I have experienced medication renewal delays due to supply shortages during the pandemic, and as such have experienced disruptions in medication. Those disruptions can cause XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. I have had XXXX on two ( 2 ) separate occasions. The first was late XXXX XXXX early XX/XX/XXXX with a period of XXXX beginning XX/XX/XXXX with symptoms becoming less frequent by XX/XX/XXXX and intermittent by XX/XX/XXXX. I was vaccinated over XX/XX/XXXX to XX/XX/XXXX, causing the XXXXXXXX XXXX XXXX XXXX to return. I had XXXX and XXXX again XXXX of XXXX.
Whats more, my XXXX symptoms are managed through medications which have experienced supply interruptions during the pandemic. My XXXX symptoms include XXXX with XXXX and XXXX that make it difficult to communicate during periods of XXXX XXXX because normal light and sound becomes painful.
XXXX is a XXXX under the ADA, Section 504, and Section 1557. COVID-19 is a disability under the ADA, Section 504, and Section 1557. Long COVID is a disability under the ADA, Section 504, and Section 1557 if it substantially limits one or more major life activities. These laws and their related rules define a person with a disability as an individual with a physical or mental impairment that substantially limits one or more of the major life activities of such individual ( actual disability ) ; a person with a record of such an impairment ( record of ) ; or a person who is regarded as having such an impairment ( regarded as ). The definition also covers individuals with a record of a substantially limiting impairment or those regarded as having a physical impairment ( whether substantially limiting or not ). This document does not address the record of or regarded asparts of the disability definition, which may also be relevant to claims regarding long COVID.
I have known very few increments of time during the pandemic when I have not suffered from complications of XXXX XXXX, XXXX, XXXX and their XXXX with XXXX. These conditions have seriously altered one or more activities because XXXX generated XXXX XXXX with XXXX XXXX XXXX XXXX, making it incredibly difficult for me to communicate via light and sound. Normal levels of light and normal levels sound during times of XXXX XXXXXXXX caused pain.
It is fair less painful to supply login credentials to retrieve a statement than it is, than to call XXXX XXXX, progress through the IVR simply to get the information thats supposed to be on a statement. A phone involves light AND sound to both dial and communicate with an individual or auto-attendant on the other end.
So, no, this complaint is not a duplicate compalint of any other complaint because here I am also highlighting that the inability for me to retrieve my statements through the website, is a violation the quoted law above AND the ADA.
If XXXX XXXX can not correct the credit reports and have their statements generate billing statements again, then I iwll be filing a complaint regarding disability discrimination with DoJ.
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01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, 1. XXXX XXXX XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Also, 60 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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07/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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all listed accounts FTC violations : Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$590.00} High Balance {$590.00} Remarks Consumer disputes this account information Collection account Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 15 Months Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$1900.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$2000.00} Times 30/60/90 Days Late 1/1/4 Remarks Charged off acco DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$17000.00} Payment Status 120-149 Days Late Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/13 Remarks 120 Days past due XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$10000.00} Payment Status 120-149 Days Lat XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$3300.00} Payment Status 120-149 Days Late Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/13 Remarks 120 Days past due Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 77 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance {$34000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 11/0/0 Remarks Fixed rate XX/XX/XXXX Creditor Name XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$49.00} Responsibility Individual Account.
Balance {$4500.00} Highest Balance {$2700.00} XX/XX/XXXX Creditor Name XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$65.00} Responsibility Individual Account.
Balance {$6000.00} Highest Balance {$2500.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment -- Amount Past Due {$260.00} Times 30/60/90 Days Late 0/0/16 Remarks Fixed rate Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$50.00} Responsibility Individual Account.
Balance {$4600.00} Highest Balance {$2700.00} Payment Status 90-119 Days Late Worst Payment Status XX/XX/XXXX Creditor Name XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit XX/XX/XXXX Creditor Name XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$100.00} Responsibility Individual Account.
Balance {$9300.00} Highest Balance {$5500.00} Payment Status 90-119 Days Late Worst Payment Status -- XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$18.00} Responsibility Individual Account.
Balance {$1700.00} Highest Balance {$750.00} Payment Status 90-119 Days Late Worst Payment Status Creditor Name XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$4.00} Responsibility Individual Account.
Balance {$410.00} Highest Balance {$250.00} Payment Status 90-119 Days Late Worst Payment Status XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$42.00} Responsibility Individual Account.
Balance {$3800.00} Highest Balance {$1700.00} Payment Status 90-119 Days Late Worst Payment Status Creditor Name XXXX CONSUMER U Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment {$820.00} Responsibility Individual Account.
Balance {$37000.00} Highest Balance {$36000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks Affected by natural disaster US DEPARTMENT OF EDU Account Type Education Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account.
Balance {$12000.00} Highest Balance {$10000.00} US DEPARTMENT OF EDU Account Type Education Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account.
Balance {$21000.00} Highest Balance {$17000.00} Payment Status Collection/Charge-Off Worst Payment Status US DEPARTMENT OF EDU Account Type Education Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account.
Balance {$4200.00} Highest Balance {$3300.00} Payment Status Collection/Charge-Off Worst Payment Status all XXXX and fed loans ftc proven violations
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03/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2019 I sent a certified letter return receipt to Equifax in which I am uploading that letter as well to this complaint. I sent them the letter with tracking number XXXX XXXX XXXX XXXX XXXX in which Equifax received my letter and also I did as they requested and sent a certified letter to XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX and was received as well. I also sent a certified letter to XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX in which XXXX XXXX received my letter.In the process of investigating this matter on MY OWN INITIATIVE, I have discovered a POTENTIAL PERSONAL DATA BREACH, since my personal privacy NOW appears to have been violated, so I am exercising my rights under the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by XXXX in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). The bureau is now being LAWFULLY COMPELLED by rightful consume DEMAND to provide detailed information in this matter as this has escalated into a pending tort action under Telephone Records and Privacy Protection Act of 2006. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), I request that they forward all of the relevant information provided by them to the creditor their investigation followed of my dispute. I followed all the steps and XXXX is still reporting these non compliant medical accounts on my credit report. I do not authorize the to mis-report any mis-information now or ever. I have sent several letters before this asking that they please review and ENSURE their records are adequate and full accordance to the law upon which governs their practice of reporting consumer credit profiles. They are reporting inaccurate and incomplete information in regards to the following medical accounts 1.XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX I demand that they contact the medical facility in which I have already done, and demand a validation of the debt ( of course they cant provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Equifax has failed to complete their investigation of this Medical Collection and refuse to remove it because clearly the provider can not validate the information they are reporting on my credit report. My letter I sent to them was my letter of consumer check and challenge for lawful reporting compliance and was my officially composed writ formal complaint that they are reporting one or more of the following, ILLEGALLY. Under FCRA 611 ( a ) ( 7 ) I requested for a description of the procedure used by the agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payments from my credit file that the bureau provided to me. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), the bureau was required to forward all of the relevant information provided by them to the creditor for their investigation of my dispute. After contacting the creditor I have been led to believe that THIS did not take place, in which this is a clear violation of the FCRA and the FCBA.
Their reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which they are reporting chichanary lead subterfuge.
Their reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge.
Their reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which you report chichanary lead subterfuge.
Their reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge.
Their reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they report in chichanary lead subterfuge.
Their reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP nd or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they are reporting in chichanary lead subterfuge.
Their reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potential injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge.
Their reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which the credit bureau is reporting in chichanary lead subterfuge.
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01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX XXXX XXXX
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02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXXXXXX XXXX XXXX XXXX XXXX
Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I reached out to Equifax XX/XX/21, and XX/XX/21 to inform them a. That the XXXX XXXX XXXX account that they have listed is not valid and to request how they've determined the validity of this account.
I'm now filing a complaint because Equifax continues to infringe on my consumer laws and is in violation of federal laws. I continue to ask for PROOF of how they continue to keep this invalid account on my report and how they are validating it. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I'm required to know how they've validated the account which Equifax has not provided me the requested info.
Here is the law that specifically states I'm required to receive the information that Equifax has received to prove the account is valid.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or areseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from theconsumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
*Here 's the exact law.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from theconsumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than XXXX business days after making the deletion.
Also, there's now a collection on my account from XXXX XXXX XXXX. I never gave anyone the authorization to add anything to my credit report. Nor do I have knowledge of this account. Due to permissible purposes and according to FCRA 15 U.S. Code 1681b ( 2 ) they have no rights by law to place anything on my credit report. And. are in violation of my rights.
Each violation is fined by {$1000.00}. Unless these items are corrected, I will be pursuing financial remedy.
I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation
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12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I disputed several credit inquiries XX/XX/XXXX and I got the results the next day. There is no way in XXXX that Equifax disputed these inquires that I did not authorize. I have attached the result that Equifax sent to me less than 24 hours regarding my dispute. Equifax sent me a pre generated letter stating the inquiries is factual with no proof that I authorized these inquiries. I have been a victim of identity theft for quite a long time. I have sent Equifax a FTC affidavit along with a police report all usps certified. Equifax has damaged my credit removing accounts that should not be removed, Equifax disregards the dispute and did not focus on what was really being disputed. Equifax disputed accounts that was never on the dispute I sent in. this is a copy of the inquiries that is fraudulent.
The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Page 3 of 18 XXXX ( Continued On Next Page XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXXXXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Page 4 of 18 XXXX ( Continued On Next Page ) XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Remove these inquires immediately! I will be seeking legal advice to sue if necessary.
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12/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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1. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, 60 days in XXXX XXXX, 90 days in XXXX XXXX, 30 days in XXXX XXXX, 60 days in XXXX XXXX, 90 days in XXXX XXXX, 30 days in XXXX XXXX, 60 days in XXXX XXXX, 90 days in XXXX XXXX, 30 days in Dec 2020, 60 days in XX/XX/XXXX, XXXX XXXX, 90 days in XX/XX/XXXX, and XXXX XXXX.
I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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03/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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This correspondence is in response to XXXX CFPB response to Complaint ID XXXX dated XX/XX/XXXX ( reference in attachments below ). In Navients response I was told, The Fair Credit Reporting Act requires lenders and servicers, such as XXXX, who report information to the consumer reporting agencies to do so with accuracy. Therefore, we can not remove accurate information from your credit report. Contrary to these assertions, by failing to update previously reported information, XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Section 623 ( a ) ( 2 ) of the FCRA is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.
XXXX CFPB response to Complaint ID XXXX dated XX/XX/XXXX states, A review of your account shows that you cancelled the pending payment for XX/XX/XXXX when you spoke with us on XX/XX/XXXX and advised that you would call back and make a double payment in XX/XX/XXXX. When calling back in XXXX, you cancelled the pending XX/XX/XXXX payment and rescheduled a double payment for the last day of the month. When speaking with you on XX/XX/XXXX we advised you the account was current as we were reflecting the XX/XX/XXXX double payment. During this call you also cancelled the XX/XX/XXXX payment. However, the day after the call, the XXXX payment was rejected by your bank. A notice was sent to you the same day the bank notified XXXX that the payment was rejected. Your XX/XX/XXXX payment was also rejected by your bank. A review of your account shows that you updated your address with XXXX in XX/XX/XXXX ; however, you continued to receive email correspondence as originally requested in XX/XX/XXXX. Based on your request we have conducted an investigation which confirmed the information we provided to the consumer reporting agencies is accurate.
The statements above show multiple times where XXXX failed to properly inform me of any impending and current missed payments on my account. XXXX representatives state, A notice was sent to you the same day the bank notified XXXX that the payment was rejected. I never received any notice from XXXX at either of the addresses I was residing at during the months of XXXX and XXXX ; I also never received any notice at my present address for the entire year my mail was forwarded from my previous address ( reference attached email confirmation of mail forwarding from USPS ). XXXX representatives also state email correspondences were sent to me, which I dont have any record of receiving, and email is not an acceptable form of correspondence by a lender to inform someone of impending and current missed payments.
The statements in XXXX CFPB response also show how I acted properly with XXXX customer service representatives by scheduling days for payments to be made on my account. I scheduled for both XXXX XXXX payment and XXXX XXXX payment to be made on XX/XX/XXXX to which a XXXX representative informed me I would receive no late payment penalty for paying on XX/XX/XXXX. To ensure the XX/XX/XXXX payment was received, I called XXXX over two weeks after the payment was made on XX/XX/XXXX to verify receipt of payment, to which I was advised by a XXXX customer service representative my account was current ; due to this statement from XXXX, and with further assurance from the XXXX representative I wouldnt receive any late payment penalties, I cancelled my XX/XX/XXXX payment and scheduled a new payment for XX/XX/XXXX. Afterwards, and without my knowledge, XXXX concluded my XX/XX/XXXX payment wasnt received. I reviewed my bank records and there are no return item fees in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX. I have already had a documented instance with XXXX in XX/XX/XXXX where a scheduled payment was not processed correctly by XXXX ; this occurred during a three-month probation period for a new payment plan where I was almost disqualified from the program due to a XXXX payment processing error. XXXX admitted fault over the phone for this error and ensured my eligibility to maintain myself within the new payment program. I believe a similar issue occurred for the payments XXXX claims werent accepted by my bank for the scheduled payment made in XXXX and for the scheduled payment made in XXXX.
Due to XXXX failure to not only process my scheduled payments correctly, but due to XXXX failure to properly inform me of impending and current missed payments, the fault for the missed payments in XXXX and XXXX of XXXX are XXXX responsibility to correct. Since I am not at fault for XXXX mishandling of my account and I acted in a responsible manner to verify receipt of payments with XXXX, I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the nine accounts showing a 60-day and 90 day late payment in XXXX and XXXX of XXXX be updated, corrected, and removed.
In the event these reports are not immediately updated to accurately reflect a status of no missed payment for the months of XXXX and XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary.
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12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am disputing ALL 5 XXXX XXXX XXXX from my Report, I Do Not know what they are or where they came from.
I have NO KNOWLEDGE OF THESE ITEMS ...
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Also I have researched these XXXX XXXX and they are a hospital here in Utah and even if it were mine I never signed a disclosure saying they could reveal my medical records and documents to any credit reporting agency under HIPAA law I am entitled privacy with medical documents and medical records. I have never given consent for any medical records to be released to any the credit reporting agency therefore it is a violation of the United States HIPAA law and the United States law under the antitrust law through the Federal Trade Commission this is a direct violation of my constitutional rights and my rights as an American citizen privacy act so I request that all of these XXXX XXXX be removed immediately from my credit report and corrected before I take legal action.
XXXX XXXX XX/XX/XXXX was PAID FULLY AND SUCCESSFULLY BUT YET IT SAYS PAID AND CLOSED BUT IT'S NEGATIVE ...
XXXX XXXX PAID THAT LOAN OFF COMPLETELY SO IT SHOULD BE A POSITIVE ON MY CREDIT REPORT It should REPORT " PAID, NEVER LATE '' If you look at the records XXXX XXXX was refinanced through XXXX XXXX that is why the auto loan was transferred to XXXX XXXX XXXX so it makes no sense for this report to show negative when it was paid in full by XXXX XXXX when I refinanced how can this be negative this needs to stay it is a positive paid in full account. This is clearly proof that my credit report has been neglected by their credit reporting agencies I would like for all of this to reflect the lack of professionalism by the three credit bureaus XXXX XXXX XXXX XXXX XX/XX/XXXX I have NO KNOWLEDGE OF THIS, I BARELY BOUGHT THE TRUCKS FROM A DEALERSHIP AND DIDN'T NEED ANY NEW TIRES THIS IS NOT MINE XXXX XXXX XX/XX/XXXX was Paid Off and Closed This is inaccurate reporting, they must have another person with a similar name and have us mixed up.
But I paid them off Completely It should report " Paid, Never Late '' XXXX XXXX XXXX XX/XX/XXXX I have no knowledge of I do not know what this is please remove it from my credit report XXXX XXXX card XXXX XXXX XX/XX/XXXX I do not know what this is and I want it removed from my credit report.
XXXX XXXX XXXX XXXX XX/XX/XXXX I have no idea what this is and I would like this removed from my credit report XXXX XXXX XXXXXXXX total card XX/XX/XXXX I do not know what this is and I would like it removed from my credit report My name is XXXX XXXX XXXX DOB XXXX S.S. # XXXX ...
And I am disputing XXXX XXXX Accounts from my credit report for the following reasons ...
XXXX XXXX has VIOLATED MY RIGHTS AS A AMERICAN, AND RIGHT TO BE SAFE AND OUT OF HARM 'S WAY.
XXXX XXXX Has been speaking to a Repo Gentleman EXCESSIVELY about my case and Everything that has been going on with my payments, and disclosing Very Personal Details about my Family and Co-signers family. They have disclosed personal information that had ENDANGERED XXXX AND XXXX XXXX by informing this Very Aggressive and Violent individual where they live.
XXXX XXXX knew I NEVER LIVED THERE, YET THEY SENT THIS MAN TO THREATEN XXXX, SCARING HER INTO TELLING HIM WHERE I WAS. THAT NIGHT HE PULLED UP INFRONT OF MY TRUCK VERY QUICKLY, JUMPED OUT AVE CHARGED ME VERY AGGRESSIVELY AND BEFORE HE COULD GRAB ME I TRIED TO FLEE IN THE VEHICLE AND HE BEGAN TO PURSUE ME AT 90 MILES AN HOUR HEADING NORTH ON THE XXXX.
He has harassed all of us and as well as my family and friends even causing me to lose my job at XXXX XXXX when he began to harass my bosses and coworkers. He has almost had me kicked out my place of residence, shown up to my new job and harassed my new coworkers aswell.
I am scared for my life and scared for the safety of my loved ones. He Refuses to release my property to me after Repossessing the truck and threatened to have me arrested for lies he is willing to fabricate, I have informed XXXX XXXX that this Gentleman has endangered my life the night he chased me on the freeway and endangered my loved ones lives when he came around with his aggressiveness behaviors.
They have ILLEGALLY RELEASED PERSONAL INFORMATION about my personal matters.
I AS A AMERICAN CITIZEN HAVE THE RIGHT TO SAFETY AND LIVE FREE FROM HARASSMENT AND TREATED RESPECTFULLY ACCORDING TO THE LAW DEBT COLLECTORS SHOULD BE FOLLOWING THE FEDERAL TRADE COMMISSION REGULATIONS FOR REPOSSESSION.
THIS DEBT COLLECTOR ACTED UNDER A FALSE NAME, CHASED ME IN HIS TOW VEHICLE WHICH ENDANGERED MY LIFE, AND USED LIES OF JUDICIAL PROCEEDINGS TO TRICK PEOPLE HE CAME INTO CONTACT WITH.
HERE VIOLATED THE ANTITRUST LAWS AND CAUSED ME TO LOSE MY JOB, AND CAUSED THE SEPARATION OF MY SPOUSE, WHICH IS ALL VIOLATIONS OF THE FEDERAL TRADE LAW ...
These are all FTC laws that can not be violated, but WERE VIOLATED ...
I AM IN THE PROCESS OF OBTAINING VIDEO PROOF OF ALL MY CLAIMS TO VALIDATE MY CLAIMS.
I REQUEST THAT ALL MY ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AND MY COSIGNERS CREDIT ASWELL I have also followed all of the steps and procedures to have the fraudulent or incorrect hard inquiries removed from my credit report I hand wrote every single hard inquiry I disputed and mailed it in to all three of the credit bureaus I did exactly what I was supposed to Therefore I would like for all the hard inquiries to be removed immediately from my credit report because I have done what I have been instructed to do but yet have Have Nots received any professionalism from any of the three credit bureaus and I would like you to file the dispute with all three of the bureaus XXXX Equifax and XXXX immediately and have all this in fixed immediately because it is affecting my life and during this pandemic I need my credit to be where it should be back up in the 700 like it should be this is ridiculous that there is so many mistakes on my credit report please dispute this and file this complaint with all three of the credit bureaus and have it fixed immediately file my complaint with XXXX, Equifax, XXXX I would like ALL THESE FIXED OR REMOVED COMPLETELY FROM MY CREDIT REPORT
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10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
Recently I have been corresponding and disputing errors on my credit report in order to reflect an accurate depiction of my consumer file. After four consecutive months of disputing with no resolution, I am seeking additional resources to aid in correcting my consumer report. After pulling a recent copy of my consumer credit report, I noticed that Equifax has resisted making the necessary corrections in accordance with federal law. Due to this, the organization is engaging in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ).
Notice of Results of Reinvestigation.
( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph.
( A ) ( I ) a statement that the reinvestigation is completed.
Based on this information, the items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and the reporting agency has failed to comply.
XXXX - XX/XX/XXXX - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX XXXX - Under 15 USC 1666B, this is a billing error and should reflect as " always paid as agreed on time ''. This is an error on this account and is in violation. - Update to paid as agreed XXXX XXXX - Under 15 U.S Code 1605 ( a ), if a Finance Charge was included which is the sum of all payments, there should be no late payments on this account - Update to paid as agreed.
XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ), if a Finance Charge was included which is the sum of all payments, there should be no late payments on this account - Update to paid as agreed.
XXXX XXXX - Under 15 USC 1666B this is a billing error and should reflect as " always paid as agreed on time ''. This is an error on this account and is in violation. - Update to paid as agreed XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under 15 U.S Code 1605 ( a ), if a Finance Charge was included which is the sum of all payments there should be no late payments on this account - Update to paid as agreed XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
Under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. I am seeking what I believe to be fair and just under federal standards.
|
04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
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Web |
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Hello, I am writing to dispute the inaccurate information that has been reported by XXXX XXXX regarding my credit account. XXXX XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I am seeking enforcement of my legal rights under these laws.
Specifically, XXXX XXXX has reported inaccurate and incomplete information to different credit bureaus. XXXX and XXXX have reported my monthly payment as {$15.00} and my balance as {$56.00}, while Equifax reported {$0.00} for both. Additionally, XXXX and XXXX reported a high credit balance of {$1100.00}, while Equifax reported {$0.00}. This inconsistency in the reporting of my credit account is a clear violation of Section 607 ( b ) and Section 607 ( c ) of the FCRA, which require furnishers of credit information to provide accurate and complete information to credit reporting agencies.
Furthermore, all three credit bureaus have reported that I was 30 days late on my payment on XX/XX/XXXX, even though I did not miss any payment on this account. This incorrect reporting has caused significant harm to my credit score and my ability to obtain credit. As a result, I have been denied credit and have had to pay higher interest rates, which has negatively impacted my financial well-being.
This incorrect reporting by XXXX XXXX is a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which gives consumers the right to dispute inaccurate or incomplete information with the credit reporting agencies, and Section 623 ( b ), which requires the credit reporting agencies to investigate and correct any disputed information that is found to be inaccurate or incomplete. Additionally, if XXXX XXXX has been incorrectly reporting that I was 30 days late on my payment when I was not, they may have violated Section 807 ( 2 ) ( A ) and Section 807 ( 10 ) of the FDCPA, which prohibit debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt.
XXXX XXXX regarding my student loan account. According to all three credit bureaus, XXXX reported that I was 90 days late on XX/XX/XXXX, but I did not miss any payments on this account. Additionally, there are discrepancies in the dates reported by the credit bureaus, which has further impacted my credit score.
As a result of these inaccuracies, I have suffered significant harm, both emotionally and financially. The incorrect information has caused my credit score to decrease, making it difficult for me to obtain credit for personal and professional purposes. I have been denied loans and credit cards, and the high interest rates that I have been offered have made it difficult for me to pay off existing debts.
Furthermore, the impact of these inaccuracies has not been limited to my financial life. I have had trouble finding housing, as landlords often check credit reports when reviewing rental applications. I have also been passed over for job opportunities due to my credit score, despite my qualifications and experience.
I believe that XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, XXXX may have violated FCRA sections 607 ( b ) and 607 ( c ) by failing to provide accurate and complete information to credit reporting agencies and failing to correct any inaccurate or incomplete information that was previously reported. They may have also violated FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ) by failing to investigate and correct the disputed information that was found to be inaccurate or incomplete.
Furthermore, XXXX XXXX have violated TILA section 128 ( b ) ( 2 ) ( A ) by failing to accurately and meaningfully disclose the terms and conditions of the loan, including payment obligations and due dates. They may have also violated TILA section 164 by failing to respond promptly and accurately to written requests for information about the account.
XXXX XXXX XXXX XXXX on my credit reports. According to all three bureaus, I was reported as 30 days late on multiple occasions, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite making all payments on time. Additionally, there are inconsistencies in the reported dates for when the account was opened and last active.
These reporting inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ). Section 607 ( b ) of the FCRA requires furnishers of credit information to provide accurate and complete information to credit reporting agencies, while Section 607 ( c ) requires furnishers to correct any inaccurate or incomplete information they previously reported. Furthermore, Section 623 ( a ) ( 1 ) ( A ) gives consumers the right to dispute inaccurate or incomplete information with the credit reporting agencies, and Section 623 ( b ) requires the credit reporting agencies to investigate and correct any disputed information that is found to be inaccurate or incomplete.
Additionally, the Truth in Lending Act ( TILA ) was also violated. Section 128 ( b ) ( 2 ) ( A ) of the TILA requires accurate and meaningful disclosure of the terms and conditions of loans, including payment obligations and due dates. Section 164 of the TILA also requires creditors to respond promptly and accurately to written requests for information about the account.
The inaccurate reporting by XXXX XXXX XXXX has had a significant negative impact on my life. It has made it difficult for me to secure loans, credit cards, and even housing. It has caused me significant stress and anxiety, as I feel helpless to correct these reporting errors. I have worked hard to maintain my financial stability, and it is unfair for my credit to suffer due to inaccurate reporting by a creditor.
Therefore, I am requesting that XXXX XXXX XXXX immediately correct the inaccurate reporting on my credit reports and remove the unverified account. I am also requesting that the credit reporting agencies investigate and correct any inaccuracies found on my credit reports. Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
07/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
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Web |
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For exercising my right per 15 USC 1691 a ( 3 ) and filing previous complaints to Consumer finance regarding an erroneous account on my consumer report that is XXXX XXXX XXXX ( dept of edu, which they still have not deleted ) which this account has been removed and inserted on my account since XXXX, and we all know re-aging is illegal. As you can see in consumer complaint # XXXX Equifax refused to take fault in erroneous reporting and instead just deleted the inaccurate information and not the acct, even though I have several previous credit reports showing different reporting information regarding this same account since XXXX on a 36 months term account. This account has been deleted and reinserted back on my account several times, so I complained again, and informed them, that replacing blank data in place of the incorrect data is not considered accurate data, and re-aging is illegal. Not to mention that this account is reported as a charge off and a collection and we know per law, 1099 income and debt can not be continuing to be reported as a charge off AND a collection, neither one of the statuses were accurate, so I submitted another complaint. Instead the respondent was yelling and refused to remove the account as you can see the tone in the response in the complaint # XXXX. These complaints have caused me to be retaliated and discriminated against and denied participating in Equifax Data Contributor program. Since then, my personal credit score has decreased XXXX points as well and I havent been late on anything in 3 years, but its being reported as a receipt delinquent account. Since then, Equifax refused to respond to my application for the Data Contributor program and after not responding to 4 emails, I had to call in and complain and I then received an email response the following day of a denial with no explanation. I never received a call as advertised that a consumer will receive after applying for questions or for clarity. No investigation was performed, and no denial reason was given but indicated several statements of their reputation. What does reputation have to do with a denial? I also requested an appeal process and never received a response. This is clearly discriminatory and retaliation. The retaliation, discriminatory and bias treatment was from me filing previous complaints to Consumer Finance regarding the reporting that has caused me great damages. I consistently asked why was I denied as a data contributor and gave them a chance to fix this error before this complaint and they still refused to give me a reason for denial, which also doesnt give me the opportunity to correct any issue to ever qualify for the program. The discrimination allegations were after I did my due diligence to see that all consumers that qualified for the data contributor program were 99.99 % all XXXX consumers. Now the reputation statement of the denial made more sense but its clear it wasnt due to Equifax data breach that millions were apart of. I have paid for marketing, and re-construction of my website to implement the requirements that will be completed in 3 days. The program requirements are public and nowhere is it indicated that if you meet all criteria that the decision is based off the discretion of the company and you can not get the reason of the denial. Also, I want to know what can a person see on an application that can automatically deny them with no communication if all credentials are correct? The closest I received to a reason its Equifax said due to its reputation, I did not qualify. What would be the point of listing public requirements if the ultimate decision is based from the companys private decision? This is clearly a cover up to discriminate against consumers. How can a company be regulated by FCRA, CARES Act, FCRA, and ECOA and deny people of a program that goes against the laws and human rights? The treatment has been so bad that. Ive sent several emails and will not even get a reply. This is unacceptable, and as you can see on my previous Consumer complaint numbers Equifax refused to take fault in erroneous reporting and delete the account and now is trying to make me suffer because I exercised my rights. I qualified for the trade program and met all criteria as similar consumers with different nationalities and have been denied because of my skin color/race and exercising my rights. I am seeking the protection from 15 USC 1691 a ( 3 ), and the Civil Rights Act and This law requires both public and private businesses to provide individuals full and equal accommodations, advantages, facilities, privileges or services. I have kept all correspondence and proof of my statements because this treatment need to be publicly recognized by the consumers like me and the legal system that regulate these companies that are going against the law but are giving the right for decision making over consumers like me. Nowhere in FCRA, does it give Equifax the right to determine who can or can not be a data furnisher over a consumers data. Consumer requirements is to follow the laws implemented by the above agencies. I have attached other consumers that were approved, to show you that its clear this is discrimination and retaliation. If I am not eligible, I have the right to know why I wasnt eligible so therefore correction can be made. It should not be no special or different requirements for me than any other consumer. The solution is, I want is to be approved to be a data furnisher as the XXXX consumers. Attached is my proof of a few non-financial data furnishers consumers and the only difference from me and them is the XXXX XXXX XXXX XXXX XXXX XXXX
This company was also approved by Equifax..Let me give you more insight. XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and has been incorporated since XX/XX/XXXX and is a t-shirt design and accessories company. Now how can an online T-shirt company be approved to be a data furnisher for businesses, and our company are strictly for business services and in a high-rise corporate building with security that has been in business longer? But Equifax is talking about reputation?
|
03/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed XXXX XXXX XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed I did not authorize the following inquiries on my report.
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Telephone Companies
|
12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX Hunters XXXX XXXX, Georgia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Request : Addressing FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I'm reaching out urgently regarding concerning inconsistencies I've discovered in my credit report, significantly violating the Fair Credit Reporting Act ( FCRA ). The persistence of these inaccuracies within my credit profile underscores a substantial oversight of FCRA regulations within your agency.
To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the collection and reporting of consumer credit information. It mandates accurate data collection, retention, and equitable sharing of consumer credit data while emphasizing transparent interactions with consumers.
Instances of FCRA violations in my case include : Inaccurate financial data provided by creditors to reporting agencies.
Agencies merging individuals ' data due to name or social security number similarities.
Neglect of prescribed dispute resolution protocols.
Under the Fair Credit Reporting Act, I maintain specific rights : The right to verify report accuracy, particularly for employment purposes.
Notification if my file information has been used in credit applications or other transactions against me.
The ability to dispute and request correction or removal of incomplete, erroneous, or unverifiable data from bureaus.
The removal of outdated negative information, typically after XXXX years, or XXXX in bankruptcy cases.
I formally request immediate rectification of the listed items below. These items significantly contravene FCRA standards due to inaccuracies, lack of verifiability, and continuous invalidation. Their presence has led to substantial distress, notably evidenced by my recent denial of extended credit directly linked to errors originating from your agency.
XXXX. The inquiry was not authorized JPMCB CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
MARIETTAAU Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized ALLYFINANC Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized WFDS Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized ALLYFINANC Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized GLOBALLEND Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
On XX/XX/XXXX I submitted a complaint to equifax about furnishers reporting inaccurate, and fraudelent information on my consumer report.Upon Equifax performing their investigation equifax continued to verify innacurate, and fraudulent information of said accounts, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXPursuant to 15 U.S Code 1681a-Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living 2 ) Exclusions- ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Any transactions reporting on my consumer report is illegal pursuant to the Fair Credit Reporting Act.Reporting transaction history is illegal.
Pursuant to 15 U.S Code 1681b- Permissible purposes of consumer reports-subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.My written consent is needed to add anything to my consumer report and due to no written consent provided by me as the consumer it is clear violation of the Fair Credit Reporting Act.Upon Equifax verifying information I gave no consent to be furnished on my consumer report in written authoriztion nor contract they are in clear violation of Fair Credit Reporting Act.
15 U.S. Code 1681e - Compliance procedures a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.As stated in complaint made XX/XX/XXXX it is clearly stated by me, as the consumer, all the inaccuracies in the consumer reporting agencies reports.Not only was it stated in description, but also shown in a credit report highlighted with detail, still the Consumer Reporting Agencies feel their investigations are sufficient, and no deletions of innaccurate, and fraudulent accounts are deleted.
Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
This is the 3rd time in which I, as a consumer is stating the laws Equifax are suppose to abide by under the Fair Credit Reporting Act, but to my understanding Equifax goes by policies as I have been told by several phone conversations with supervisors.They can not inform me of the laws they abide by, but only state the policies that have no merit, or benefits to me as a consumer protected by the Fair Credit Reporting Act, and completely harm me as a consumer in obtaining property, or any type of goods for family and household due to fraudulent reporting, and inaccurate reporting by the CONSUMER reporting agencies.
Equifax has also violated Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports My privacy has been violated by equifax numerous times.From transactions by above-mentioned furnisher XXXX XXXX XXXX staying on my report, to equifax reporting to other 3rd parties my credit worthiness being that of a irresponsible consumer, fraudulent accounts without written consent by me to report on my consumer report.Equifax unlawful acts causes me great harm in trying to obtain a home, a car, and every day living providing for my family.
|
07/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I listed a few accounts in Identity theft which I did not recognize and I have never had a business with hem.
However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts.I have never had before and never applied. I am requesting to remove all of them from my credit report because personal information was stolen and used. Enclosed are the police reports, my DL and SSN. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or XXXX rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title. ( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
6. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
7. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
8. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
9. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
10. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
11. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
12. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
13. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
14. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
XXXX Account Number : XXXX Please remove it from my credit report.
15. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Account Number : XXXX Please remove it from my credit report.
16. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Account Number : XXXX Please remove it from my credit report.
17. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Account Number : XXXX Please remove it from my credit report.
18. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Account Number : XXXX Please remove it from my credit report.
19 This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Account Number : XXXX Please remove it from my credit report.
20. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Account Number : XXXX Please remove it from my credit report.
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12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to bring to your attention the egregious violations committed by XXXX, Equifax, and XXXX, as outlined below : Privacy Act of 1974 Violation : Accuse them of unlawfully sharing non-public personal information without explicit consent.Emphasize the gravity of breaching privacy rights under the Privacy Act of 1974.FCRA and Financial Privacy Act of 1978 Violations : Highlight instances where they failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Financial Privacy Act of 1978.Illustrate how my personal information was disseminated to third parties without proper authorization.15 USC 6802 and 15 USC 1681 ( b ) Offenses : Specify instances where they violated 15 USC 6802 and 15 USC 1681 ( b ) .Provide evidence of the illegal transaction history reported on my consumer reports with third parties and affiliates.I request a thorough investigation into these matters and appropriate actions against the aforementioned credit reporting agencies. Your prompt attention to this issue is imperative.
15 USC 1685 a ) In generalSubject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).
( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.
( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.
( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.
( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.
( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.
( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.
( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.
( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.
( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).
( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.
( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12.
( Pub. L. 106102, title V, 505, Nov. 12, 1999, 113 Stat. 1440 ; Pub. L. 111203, title X, 1093 ( 4 ), ( 5 ), July 21, 2010, 124 Stat. 2096, 2097. )
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08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1953 SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and address several inaccuracies on my credit report. I have recently reviewed my credit report from [ Credit Bureau 's Name ] and have identified multiple instances where my rights under federal laws have been violated. As a conscientious consumer, I am deeply concerned about these violations, and I kindly request your assistance in resolving these matters promptly and accurately.
The following violations have been identified on my credit report : Unauthorized Inquiry by XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX without my consent. I have no recollection of authorizing this credit pull and demand that it be removed from my credit report.
Inaccurate Reporting by XXXX XXXX : Account Number : XXXX. To the best of my knowledge, this account has never been paid late. The inaccurate reporting of this account is adversely affecting my credit score and financial well-being. I urge you to correct this inaccurate information immediately.
Unauthorized Inquiry by XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX without my consent. I have no memory of granting permission for this inquiry and request its removal from my credit report.
Questionable Account Information by XXXX XXXX XXXX : Account Number : XXXX. The account 's name and number are unclear, casting doubt on its accuracy. I implore you to either clarify this information or delete the account from my credit report.
Unauthorized Inquiry by XXXX XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX without my consent. I have no recollection of authorizing this credit pull and demand its immediate removal.
Unauthorized Inquiry by XXXX XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX without my consent. I have no memory of granting permission for this inquiry and request its removal from my credit report.
Unauthorized Inquiry by XXXX XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX without my consent. I have no recollection of authorizing this credit pull and demand its immediate removal.
Inaccurate Reporting by XXXX XXXX : Account Number : XXXX. To the best of my knowledge, this account has never been paid late. The inaccurate reporting of this account is severely impacting my credit and overall financial standing. I insist that this account be updated and the erroneous information be expunged.
Incorrect Personal Information : My current address, listed as " XXXX XXXX XXXX XXXX, AZ XXXX, '' is incorrect and needs to be promptly removed from my report.
Unrecognized Account by XXXX : Account Number : XXXX. I can not recognize this account, and I kindly request an investigation to verify its authenticity. If it can not be validated, I ask that it be deleted from my credit report.
Unrecognized Account by XXXX : Account Number : XXXX. I can not recognize this account, and I kindly request an investigation to verify its legitimacy. If it can not be substantiated, I demand its removal from my credit report.
Questionable Account Information by XXXX XXXX XXXX : Account Number : XXXX. The account 's name and number remain questionable. Either provide clarification or remove this account from my credit report.
Unauthorized Inquiry by XXXX XXXX XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX XXXX without my consent. I have no memory of granting permission for this inquiry and demand its immediate removal.
Unauthorized Inquiry by XXXX XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX without my consent. I have no recollection of authorizing this credit pull and insist that it be removed from my credit report.
Unauthorized Inquiry by XXXX XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX without my consent. I have no memory of granting permission for this inquiry and request its removal from my credit report.
Inaccurate Reporting by XXXX XXXX : Account Number : XXXX. To the best of my knowledge, this account has never been paid late. The inaccurate reporting of this account is causing significant harm to my creditworthiness. I demand that this account be updated and the erroneous information be removed.
Incorrect Personal Information : The name listed as " XXXX XXXX XXXX XXXX XXXX '' is incorrect and should be promptly deleted from my report.
Incorrect Personal Information : My current address, listed as " XXXX XXXX XXXX XXXX, AZ XXXX, '' is incorrect and must be expunged from my report.
Incorrect Personal Information : My previous address, listed as " XXXX XXXX XXXX XXXX, AZ XXXX, '' is incorrect and should be promptly removed from my report.
Questionable Account Information by XXXX XXXX XXXX : Account Number : XXXX. The account 's name and number raise doubts, and I request clarification or the removal of this account from my credit report.
Questionable Account Information by XXXX XXXX XXXX : Account Number : XXXX. The account 's name and number are questionable, and I request clarification or the removal of this account from my credit report.
I would like to emphasize the gravity of these violations and their adverse impact on my personal and financial life. Allow me to share a deeply personal story to illustrate how these inaccuracies have affected me : In light of the above, I kindly request that you take immediate action to investigate and rectify these violations. I insist that you remove the unverified accounts and inaccurate information from my credit report, ensuring that my credit history is accurate and reflective of my true financial standing.
I appreciate your prompt attention to this matter. Please provide written confirmation of your receipt of this dispute letter and an outline of the steps you intend to take to address these issues. I trust that you will uphold the principles of fairness, transparency, and legality as mandated by the law.
Thank you for your cooperation.
Sincerely, XXXX XXXX
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06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Your Name XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX CREDIT REPORTING AGENCIES- XXXX XXXX AND EQUIFAX Please be advised that this is my ELEVENTH WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.
You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
also asked you to me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' I request that you do this The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
1. Name of Account : XXXX XXXX XXXX Account Number : XXXX Provide Physical Proof of Verification Unverified account Factual dispute violation 15 usc 1681 e and Metro 2 compliance regulation Status Account charged off. {$480.00} written off. {$480.00} past due as of XXXX XXXX.A charged off account can not reflect a past due balance this is a violation of the FCRA laws and requirements this account is also reflecting different payment history XXXX reports negative payment history meanwhile XXXX does not report history which also violates 15 usc 1681 ( failure to report complete and accurate information ) this is also manipulating the statue of limitations on this debt by reporting payment history on a closed and charged off account 2. Name of Account : XXXX XXXX XXXX Account Number : XXXX Provide Physical Proof of Verification Unverified account Factual dispute violation 15 usc 1681e and Metro 2 compliance regulation Status Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. A charged off account can not reflect a past due balance this is a violation of the FCRA laws and requirements 15 usc 1681 ( privacy and failure to report complete and accurate information ) 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( my information was also fraudulent sold to another company ) XXXX another third party has also contacted me to make payment to them for this debt that is being reported first premier this is also manipulating the statue of limitations on this debt by reporting payment history on a closed and charged off account 3. Name of Account : XXXX XXXX Account Number : XXXX Provide Physical Proof of Verification Unverified account Factual dispute violation 15 usc 1681 e and Metro 2 compliance regulation Status Account charged off. {$3400.00} written off. {$4000.00} past due as of XXXX XXXXA charged off account can not reflect a past due balance this is a violation of the FCRA laws and requirements this account is also reflecting different payment history XXXX reports negative payment history meanwhile XXXX does not report history which also violates 15 usc 1681 ( failure to report complete and accurate information ) this is also manipulating the statue of limitations on this debt by reporting payment history on a closed and charged off account 4. Name of Account : XXXX XXXX XXXX Account Number : XXXX Provide Physical Proof of Verification Unverified account Factual dispute violation 15 usc 1681 e and Metro 2 compliance regulation Status Collection account. {$4000.00} past due as of XX/XX/XXXX.
Fraudulent charges and fees was added to manipulate the account balance, contract terms and dates are not valid and was added to manipulation the statute of limitations privacy was also violated as original creditor sold my information to the company without my written consent violation of 15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. there are multiple agencies attempting to collect this debt XXXX XXXX XXXX original creditor Sold to third party XXXX XXXX XXXX then sold to another third party XXXX XXXXXXXX XXXX XXXX
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12/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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01/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/XXXX I entered into a repayment contract with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. That plan was to begin payments of {$100.00} beginning on XX/XX/XXXX. At that time, the contract states all interest would stop.
After noticing the balances not being reported accurately, I filed a dispute XX/XX/XXXX, the company answered that and my bureau showed complete on XX/XX/XXXX. The amount was updated and it was again incorrect. I was not satisfied with this result so after making my 4th payment and receiving my balance on their ledger, I phoned XXXX and spoke with the accounting department. I noted that the amount on my ledger was incorrect and off. The lady I spoke with told me all I needed to do was take the original amount on my agreement and subtract the payments made as the amount they show me was still adding interest. At that time, the balance was over {$100.00} off or equivalent to one payment plus interest they were still adding and reporting. When asked if this could be fixed, she said no, it was their system.
Not being satisfied with that information, On XX/XX/XXXX, I sent a letter to each of the credit bureaus ( certified, return receipt requested ) changing the information as it pertained to them and referenced my previous dispute and enclosed my contract which outlined the details particularly in regards to interest. I also sent a copy of my payment ledger showing I had made 4 payments. I explained in detail in my letter that the amount being reported was still incorrect as the math was simple and the item per the Fair Credit Reporting Act should be removed. I believed the bureaus at that time should have taken the information and documentation and removed this item as XXXX had already been given the 30 days in which to answer and failed to do so correctly. They reached out to XXXX again, and they reported again incorrectly. At that point, I believe the bureaus should have removed the item as they each had in front of them an up to date accounting and given the information, they should have been able to deduct this was still wrong. They did nothing. Several changes were made and the amount was still not correct. If you look into their submissions to the bureaus you will see they continued to add interest amounts of approx. {$13.00} dollars at different times. My contract reads all interest would stop, however they continued to add and report an increase in the balance.
This collection was different from any as the mere presence on my bureau made it impossible for me to gain housing from anybody. After giving copies of my contract to complexes along with my last receipt showing it was current, or disclosing I was in a payment agreement, I was still told No, as any outstanding balance to a complex was an automatic denial. I did reach out to XXXX in an email to XXXX XXXX on XX/XX/XXXX, to discuss if there were something we could do as I needed to secure a place to live and due to the longevity of the agreement that would make it impossible for some 4 years. Ms. XXXX kindly responded and noted she had no control over the credit reporting of any debt and I could contact the client directly. She also had someone in the office to call me to see if they could give me a letter saying my account was current. I told them that wouldn't help as I had already tried this avenue by giving them a copy of my contract as well as the latest payment receipt. Calls to the property management company in re to this were made and the answer was the same. I would have to deal with XXXX as they now had the debt.
I was frustrated at this time as XXXX I believed was in breach of the contract in refusing after 2 attempts and inquiries to recognize the problem with their accounting system and correctly report my balance. I did not make a payment in an attempt to receive further assistance in following up on this breach but was unsuccessful in finding counsel. On the Monday after my 5 day grace period was up, I called to see if I could bring my payment in and was told no. My account was in default and would be turned over to the courts. I asked if I could speak with Ms. XXXX and was told there was nothing she could do about it. I don't know how a system that can not report an accurate balance can automatically default an agreement without a person entering it. XXXX has added attorney fees and court costs to the amount and in looking at what they are currently reporting to XXXX XXXX and Equifax, they are still unable to report an accurate amount. I am sending a copy of what they are currently reporting, one shows a balance of {$7400.00} and the other {$7300.00}. This is the issue I was having and could not get resolved. Even now, the amount they are reporting is off {$130.00}, which is the payment I was not getting credit for along with misc interest still being added.
I do not think it fair this item was not removed after 2 attempt to get it corrected and the bureaus simply asking for another inquiry instead of someone actually reading what I had sent in and making a decision based on facts that could not be disputed. I also do not think it was fair for XXXX to default my agreement after attempting to get them to correct this issue. They have the upper hand as they can hold me accountable for the contract, yet I can not hold them accountable for failure to do as the contract states in regards to the interest they continued to report as well as keeping and reporting an accurate accounting record. I am not sure what my recourse is for the agencies who failed to correct this but I would like to know the steps in moving forward with an action, I will also seek counsel on what I can do in reference to my contract with XXXX as I believe them to be in breach as well.
Thank you in advance for your help in this matter. This debt did not arise from an eviction but from my trying to be responsible and buy out of a lease once I found I would not be able to complete it alone. It is unfortunate that in attempting to take financial responsibility as a consumer, I am forced to live in a weekly motel for the foreseeable future.
Regards
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12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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IT IS VERY HARD XXXX XXXXXXXX TO KEEP MY PERSONAL FROM MY BUSINESS SEPARATE BECAUSE WHEN YOU HAVE WRITTEN TO ME ALTHOUGH WITH VERY WRONG INFO IT IS YOU WHO CLUMP PERSONAL AND BUSINESS TOGETHER SO PLEASE DONT CANCEL THIS SAYING ITS A DUPLICATE IT IS NOT ( see attached and you will see how its clumped under one wrong letter ) This is not a duplicate complaint this in on my two XXXX XXXXXXXX personal cards ending in # XXXX and # XXXX. These two cards were cancelled at the same time as my XXXX XXXX card XX/XX/XXXX. For reasons you still cant answer and why? Because you made an in-house mistake and claimed you were going to reopen my accounts in XXXX. Well XXXX came and went and no cards no new accounts were opened. In fact on all three CRAs the accounts remain as they have since XX/XX/XXXX as closed. ( see my paid as agreed ) This has had a profound effect on my FICO score dropping it down to XXXX overnight with all three cards cancelled. You have claimed that I opened disputes on all three cards and you couldnt be more wrong!! Why else would you say you were opening the accounts if this was truly correct! What transpired was someone at XXXX XXXX opening numerous disputes after a call I placed from the XXXX XXXX Commanders desk on XX/XX/XXXX on or around XXXX your letter states that a call came from me on the XXXX of XXXX? That is not correct. And I should have been notified considering the call I placed to you on the XXXX was a courtesy call sharing that my computer had been hacked the hackers entered into my bank account and turned money into crypto. The call was sharing this info with you as the XXXX XXXX suggested I do and in case anything strange began to happen with my XXXX XXXX cards. Up to that phone call everything was fine with all three credit cards. That call opened this mess and it began a series of disputes. I found out because the people places and things were reaching out to me telling me they were not going to be paid! XXXX reached out to me sharing that my financial institution had opened a large amount of disputes. So as quickly as you were opening them I was trying to close them XXXX thank goodness had been marked to do nothing on this and XXXX XXXX you didnt quite understand what was going on except to tell me that the disputes were mine. Wrong I had only filed one dispute on my business card. It is concerning to me to see the statements I have been able to obtain with such incorrect information. I have requested that my personal credit card statements be mailed to me but that has yet to be done. And being on restricted view doesnt allow for me to see what you are doing on any of my accounts. I have limited statements o work with here and nobody there will tell me where my personal accounts have gone? I have phoned now XXXX times My last letter was certified XX/XX/XXXX without a reply from anyone. Now I know that those in charge are receiving my letters because I send to XXXX XXXX everything I have sent to the office certified mail. XXXX XXXX opens my emails no matter when they are sent He opens many of them XXXX to XXXX times! So I know my info is getting to the right place. I am looking at a statement from XXXX XXXX XXXX now this was right before you closed my account. Why is there a # XXXX number on this account? Who activated this card and who used it this is not my credit card and I can tell you the charges on this card only XXXX of the charges I know because while you disputed the charge I paid my vendor XXXX XXXX. Personal card # XXXX my last statement shows I owe you XXXX so again how were charges made on this card after you closed it on XX/XX/XXXX? You actually had me on restricted use from mid XXXX you said I had bounced to many checks until you looked that up and realized a mistake was made by you. The next person said I opened too many disputes but that too is impossible considering you claim that I was closed XX/XX/XXXX reopened in XXXX when you realized a mistake was made with all of my cards. And the mistake once again was in-house. Except you didnt do what you said and that was to clean up with the CRAs my closures that effect me for 10 years. You didnt take care of sending me new credit cards. You didnt credit my account for payments I made during your disputes. You failed to issue store credit when I made returns to places like XXXX where the original source of payment was also where the credit was sent. You often times would have it down as a new charge. You would take items off and put them back on a later statement that it became generic adjusted purchases means nothing to me and these are the things I want to know. What is an adjusted purchase? And how did my credit card ending in - # XXXX end up with a balance when it was XXXX at the start of this.Here is what I think the charges are on XXXX they are you interest fees your late fees each and every month XXXX you cancelled all three of my credit cards you did so while they were being paid as agreed many times paid ahead of or paid in full. Its very hard for me to guess why youve done what you have! But its time to correct it. They need to remove the XXXX number off my CRAs saying if you want to know why we cancelled XXXX give us a call!! I know this because I called the number XXXX XXXX left for creditors to call.
Your letter says you closed my accounts XX/XX/XXXX but thats not what your app says XX/XX/XXXX the date I said they were closed see attached A corporate letter arrives saying I was told why I was closed see attached All of my XXXX cards were paid in full XXXX balance as of XXXX XXXX any charges after that I need to know what they are and which card they were made on you see I sent you proof I do not owe and youve sent me nothing saying what I owe for!!!
Are you allowed to charge interest while a card is in dispute? Ive been in dispute with you not my vendors not the people places or things on the card you and youve continued to charge me! Arent you also supposed to have fixed this in two billing cycles if you cant show what I owe them you are to write it off All three of my credit cards have a XXXX balance they have been paid in full
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11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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First call to Equifax was on XX/XX/XXXX. I spoke with XXXX from the XXXX. XXXX on informed me that Foreclosure stays on your credit file for 10 years. This information is incorrect. XXXX has already deleted the XXXX XXXX XXXX from my credit report. XXXX shows that it will be removed XX/XX/XXXX. Why is equifax stating otherwise.
According to Equifax 's website How long does a foreclosure stay on your credit reports?
Foreclosures can stay on your credit reports for up to seven years. XXXX states In fact, a foreclosure must be removed seven years after the date of the first late payment that led to its default. In credit reporting terms, this is called the date of first delinquency, or DoFD. A foreclosure that's accurately reported will be removed from your credit reports no later than seven years from its DoFD. This deletion process will kick in automatically at the credit bureaus and do not require a XXXX XXXX XXXXXXXX Yes.
XXXX XXXX XXXXXXXX So I can get you to the right agent. May I know the reason you were calling for? I recognise that you were looking to speak with an agent to help me get you to the right agent. Can I know the reason you were calling for?
nder.
Under U.S.C code 1681 it clearly indicates Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XX/XX/XXXX I spoke with Equifax again at XXXX.
XXXX XXXX XXXX Equifax XXXX Thank you for calling my name. What? Can I help you today?
XXXX : Yes. I need to check something on my account.
Equifax : Okay, so let me pull up your credit file first. Okay? So that they can verify that information. Alright. Uh. well I understand. If you answer those, did you receive any code or a link on your phone number? The phone number. How about the code XXXX passcode? Did you receive that?
XXXX : XXXX.
Equifax : You entered that in our phones? You said, man? Yep. Yeah, that's why our system already identify you as well. So you stand the line. I'm I'm pulling up your file first. Okay. So that they can check, uh, that information that you need to know about your. Hold on. Um, hello, ma'am.
XXXX : Yes.
EQUIFAX : Yeah. Hi. I'm sorry about that. Long Wait. But anyway, ma'am, Um, yeah. Since our system already, uh, identify you as the owner of the file, I was able to pull out right now. Well, to make sure that the you are the rightful owner, may I have your full name, ma'am? Okay. Middle name, his money, them for money. Great. That's correct. Okay, So I was I was able to pull up your credit file. And since our system already identify you as the owner of this great file, uh, I can provide any information that you need to know about your credit report. So what is your XXXX XXXX XXXX Okay, hold on. That's the collection account.
XXXX : No, it's not. It's a mortage.
Equifax : Let me check that on your on your mortgage account. Okay. Standard lines Still loading system. Mm. Um, hello, XXXX XXXX. Uh huh. Yeah. Hi. Hi. I'm sorry, but anyway, I was able to pull up your file. Your me, uh, on your specifically on that mortgage. And, uh, you mentioned it was, uh, uh, uh, XXXX XXXX XXXX, right.
XXXX : It's not a recovery. It's called XXXX XXXX XXXX. Or it could be listed as XXXX XXXX XXXX.
Equifax : Oh, yeah. Yeah. The like services. Yeah. Uh, how much is the balance of this account? It's already paid, and it's XXXX balance. Right. And when did you close this account?
XXXX : It was paid in XXXX. I need to know when it's gon na drop off on my credit. profile.
Equifax : Okay. Yeah. Uh, well, uh, the status is paid as agreed, uh, with a balance XXXX. And it was closed in XXXX. So, uh, normally, uh, you know, uh, account. Uh, if those accounts were reported on your it will remain for 10 years, depending on of that account.
XXXX : That's incorrect. That's incorrect. It only is seven. Thank you. XXXX already dropped it off of my credit report, and XXXX XXXX will next month. So when is it gon na drop off on on?
Equifax : Okay, so I'm looking at that member history. Okay, So, uh, the last time or the last history was XX/XX/XXXX.
XXXX : I know that. Can you just answer my question, please? When is it going to drop off? It's supposed to drop off seven years after the first payment was missed.
Equifax : There's no this payment. Uh, in fact, this is a great meaning. This is and a good credit standing account.
XXXX : I I'm gon na I'm going to ask again. When is it going to drop off? The other two credit bureaus have already dropped off the account.
Equifax : Yes. For your fax, it will drop off on XX/XX/XXXX.
XXXX : No, that's That's incorrect. It's supposed to drop off in XX/XX/XXXX. That is according that is according to. that's according to 15 us. U. S. Code 16 81 seat. So why are you something differently?
Equifax : Because It's generated, ma'am. And we are now.
XXXX : Do you know the the Federal Law?
Equifax : Yes, XXXX : So why are you Why are you giving me wrong information? It's not 10 years. It is seven years from the date that is the first payment is missed. If the other two credit bureaus have already dropped it, why is it why is it still you're telling me that it's gon na stay on there for longer.
Equifax : You don't need to elaborate that. So you already on stuff?
XXXX : I already know. You're giving me wrong information.
Equifax : Yeah. Kindly consult that credit report from and provide. Kindly consult another, uh, financial consultant so that you can check that information.
This matter needs to fixed and the agents need to be instructed with proper information. I tried calling the corporate office in XXXX and your switch board just sends me back to the call centers in the XXXX.
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11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXX. XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as 90 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with THE XXXX XXXX XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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01/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).
It could also be possible you are mixing up these accounts with someone that has a similar name as me. These accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX has outfitted duplicates of the front conclusion of the two-sided Application and MPN, and isolated duplicates of what may well be the back closes of any persons archives. Besides, nothing joins these duplicates dependably together. There's no data on the partitioned duplicates of the back closes that relates them dependably with the front closes of the application and MPN reports. The MPN given shows up to be falsely combined together as one. The Master Promissory Note ( MPN ) must contain 8- pages which consolidate an itemized list of the whole sums dispensed amid my time at college.
The MPN combines partitioned notes as in case it were the initial duplicates, showing up as one MPN. The data given by XXXX shows an MPN from XXXX embraced in XXXX at XXXX XXXX XXXX XXXX. Commonly, MPNs incorporate the central sums lent ; in any case, the 2nd portion shows an application for an MPN marked in XXXX with 2 central sums. The XXXX, XXXX, claims it holds legitimately official MPN. Thus, XXXX is capable for approving such claims and the comparing financial requests. In agreement with case law, ( as appointees, the Guaranty Organizations and other auxiliary holders step into the shoes of the loan specialist from whom they have taken the XXXX notes and are subject to any guards that the student/obligee may state against the assignor/lender. See XXXX v. XXXX XXXX XXXX Washington, 788 F. Supp. 1233, 1248 n.9 ( D.D.C. 1992 ), reversed on other grounds, 27 F.2d 573 ( D.C. Cir. 1994 ), vacated, 515 U.S. 1139, on reconsideration, 59 F.3d 354 ( D.C. Cir. 1995citing ) XXXX and XXXX XXXX. The Application and MPN money related help archive does not confirm with certainty that the money related help candidate will get or has gotten any advance sum at all. In case the candidate does not get any credit sum, at that point there's no duty or obligation commitment. On the off chance that XXXX keeps up that loaning and borrowing exchanges happened, XXXX must supply significant marked reports that sum to legitimately authoritative obligation disobedient and unrestricted guarantee to pay. On the off chance that XXXX is the concrete legitimate proprietor of the affirmed obligation ; additionally, XXXX must have the first, completely qualifying MPN archives in its ownership. XXXX client has yielded duplicates of the front conclusion of the two-sided Application and MPN reports, and partitioned duplicates of what may be the back closes of any persons reports. Subsequently, nothing interfaces these duplicates dependably together. There's no information on the partitioned duplicates of the switch closes that connects dependably with the front closes of the Application andMPN documents. Based on the accessible data, the records were made after I pulled back from college without the presence of the comparing loaning and borrowing exchanges or any other important reports. Such inside record making does not make obligation, the halfway, front-end duplicates of the Application and MPN, XXXX has outfitted, are money related help applications. Based on the accessible data, qualifying MPN in this case don't exist Instep, XXXX sent halfway duplicates of records, that were made from halfway duplicates of reports. If you don't mind guarantee not to send one-sided copies, so that you simply create separate duplicates of the front and back conclusion of the initial archives. Essentially, if it's not too much trouble don't send two-sided duplicates that are made from duplicates. Such duplicates can be arranged by putting together two sheets of paper and photocopying both sides as in case it were one record. Such abuse is identical to fraud. Amid the period I gone to XXXX XXXX XXXX, I did get budgetary Help which inclincluded the XXXX Subsidized and unsubsidized loans.Be that as it may, I didnt realize that there was a necessity to sign this letter at the time. It shows up as in case XXXX XXXX shows I acknowledged these reserves for instruction, at that point XXXX recovered the data and begun collecting installments for which I didnt get at college. In expansion, I didnt get an affirmation from XXXX that XXXX XXXX given installment. Moreover, not included within the ask, was a credit beginning record. Additionally, XXXX given an grant letter that wasnt drafted accurately. This grant letter, included a money related help letter without a signature. After I cleared out college, I gotten a letter from XXXX asking to sign documentation to affirm the credit will pay for college. I marked the record since I thought this was the record to sign for the XXXX XXXX and XXXX credits. The benefit at that time was XXXX, XXXX and XXXX. For the past a few a long time, I paid XXXX XXXX a month to month sum. I requested an MPN from the company. They furnisThey outfitted data ; in any case, this was embraced after I left college. I inquired XXXX to kill this trade-line from my credit report ; all things considered, Equifax and XXXX permitted the previously mentioned on my credit report. I asked marked credit data some time recently I begun school in XXXX XXXX fizzled to supply a marked School Certification or MPN. For that reason, I would like to have all the installments discounted that I paid to XXXX XXXX XXXX within the sum of {$16000.00}. In like manner, I ask that XXXX client outfits duplicates of the taking after archives : 1 ) Correct duplicates of the first records that illustrate that understudy credit loaning and borrowing exchanges did take put and the coming about obligation exists. Therefore, please have each document notary certified, expressing that : 2 ) The record is the precise copy of the initial archive, not a duplicate of a duplicate 3 ) The duplicate was made within the nearness of the public accountant who certifies it. 4 ) Which company or organization as of now hcurrently holds the original document. In summary, the information provided by XXXX doesnt provide a valid Master Promissory Note, Award Letter, School Certification letter, Notice of Loan Guarantee, or disbursement, nor a receipt from XXXX XXXX XXXX paid to XXXX XXXX University, and no receipt from XXXX XXXX.
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09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern, I, XXXX XXXX, The consumer and obligor has noticed a billing error. The creditor has failed to give me proper notice of this billing error several times. I have noticed every account statement is in invoice of indebtedness, also having a coupon/check attached to it. On this invoice the creditor is attempting to collect a debt that has already been paid. They claim that this is a debt that I owe. How is that possible if the amount that theyre asking for isnt a negative balance? And how is it possible that this debt is still owed when my signature on my application is payment of the debt? I, XXXX XXXX ( the obligor and consumer ) I am giving proper notice of this billing error. This is my final attempt to clear and dismiss of any debt that the creditor claims that I owe. According to 15 USC 1666b timing of payments states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
The creditor has failed several times to provide me ( the consumer/obligor ) with each periodic statement and information required by section 1637 ( b ) of title 15 USC 1666b . The creditor has not gave me proper notice within 21 days of the payment due date as required by 15 USC 1666b.
What is a late payment? And how can that payment be late or past due if it is not a negative balance? How can a late, missed, or past due balance exist if my signature on my application for credit is payment of the debt? According to 15 USC 1666d Treatment of credit balances States Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditorin excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Every account statement has failed to demonstrate indebtedness. For example if I borrow {$20000.00} shouldnt my account statement show a negative $ XXXX? And every time I make a payment it would reduce that amount bringing the negative balance closer to {$0.00}?
None of the account statements show a negative balance, only a positive balance. According to the law a positive balance means that there is a surplus. This debt that the creditor claims I owe does not belong to me. According to 18 USC section 8 Obligation or other security of the United States defined States The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceledUnited States stamps.
All debts public and private are the obligation of the United States. The creditor claims that I owe/owed this debt but what exactly am I paying for if the debt has already been paid for with my signature? The obligation has already been paid for. So why are they claiming that I owe/owed this debt? This billing error notice is also a notice of request for refund by I, XXXX XXXX ( the consumer/obligor ) .According to 15 USC 1666d section A, section B, section C, States A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
I am now requesting a refund of ALL payment paid AND dismissal and discharge of this debt. I XXXX XXXX ( the consumer/obligor ) I am also requesting that the accounts be ceased and desist IMMEDIATELY. I have blindly paid this debt twice. The creditor has fraudulently and illegally double dipped on payment of this debt. The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ) creating a false belief that I owe this debt. According to 15 USC 1692J Furnishing certain deceptive forms States The creditor has been racketeering and extorting money out of I, XXXX XXXX the consumer/obligor ) several times. This is totally illegal and they could go to jail for this. According to 18 USC 1961 Definitions States However, I am willing to overlook this matter AS LONG AS ALL of my request are resolved AND completed within 10 days of receiving this notice. If my request or not resolved AND completed within the given time frame above, I will take this to higher authorities. The creditor now has 10 days within receiving this notice to refund me, clear/dismiss the debt, and cease and desist of the account.
Kind Regards, XXXX XXXX XXXX Without prejudice/Recourse UCC 1 308.4
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09/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
A consumer reporting agency has an obligation, pursuant to section 611 ( a ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681i ( a ) ( XXXX ), to conduct a reasonable reinvestigation of information on a consumer 's credit report alleged by the consumer to be inaccurate. Equifax Information Services ( Equifax ) is in continual breach of its obligations and refuses to remove obsolete and/or inaccurate information on Mr. XXXXXXXX credit report in violation of the FCRA. Equifax is on notice that its respective CRA is either willfully and/or negligently violating the obsolescence provision of the FCRA pursuant to 15 U.S.C. 1681c ( a ) by reporting information regarding Mr. XXXX student loans which should have been removed as obsolete at least three years ago.
Consequently, Mr. XXXX submitted a letter of dispute to all three credit reporting agencies : XXXX, XXXX, and Equifax. Significantly, only Equifax Corporation is refusing to honor its obligations under the law and pursuant to the FCRA. This letter was sent to Equifax via certified mail on XX/XX/XXXX tracking number XXXX XXXX XXXX XXXX XXXX. A copy of the return receipt is attached hereto. XXXX and XXXX have removed the obsolete accounts from Mr. XXXX credit report. A copy of the letter submitted is attached to this complaint. Notably, this dispute is significantly over the 30 day proscription.
Equifax responded without honoring its obligations pursuant to the FCRA and 1681i ( a ) and sent a boilerplate letter on XX/XX/XXXX claiming that Mr. XXXX credit file could not be located. Mr. XXXX promptly responded to Equifax on XX/XX/XXXX, in good faith, and submitted the requested identification by Equifax, this is despite the fact that all of the required documentation was submitted to Equifax via the XX/XX/XXXX letter. Again, this second letter was sent via certified mail, tracking number XXXX XXXX XXXX XXXX XXXX and was received by Equifax on XX/XX/XXXX. A copy of the return receipt is attached hereto.
Equifax has seemingly removed some of the obsolete loan information but not all of it. A copy of the remaining obsolete inaccurate accounts is submitted attached hereto for your perusal. As a threshold matter, a complaint was filed with the Consumer Protection Financial Bureau ( CFPB ) to which Equifax notably gave no meaningful reply ; but Equifax did delete some of the inaccurate information, but significantly not all of the information has been removed and no explanation has been proffered by Equifax whatsoever. Therefore, this is NOT a duplicate complaint, because the information has been updated since the last CFPB complaint was submitted. Most notably, as it pertains to whether this complaint is a duplicate is the fact that Equifax has removed the dispute status from the obsolete accounts which is disconcerting and Equifax has not lived up to its obligation under the FCRA and other consumer law statutes and regulations.
The FCRA was enacted in order to ensure that " consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. '' The FCRA was prompted by " congressional concern over abuses in the credit reporting industry. '' In the FCRA, Congress has recognized the crucial role that consumer reporting agencies play in collecting and transmitting consumer credit information, and the detrimental effects inaccurate information can visit upon both the individual consumer and the nation 's economy as a whole. See, Philbin v. Trans Union Corp., 101 F.3d 957, 962 ( 3d Cir. 1996 ) ( quoting 15 U.S.C. 1681 ( b ) and Guimond v. Trans Union Credit Information Co., 45 F.3d 1329, 1333 ( 9th Cir. 1995 ) ) ( citations omitted ).
Title 15 U.S.C. 1681i ( a ) provides in relevant part : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Sections 1681n and 1681o of Title 15 respectively provide private rights of action for willful and negligent noncompliance with any duty imposed by the FCRA and allow recovery for actual damages and attorneys ' fees and costs, as well as punitive damages in the case of willful noncompliance. '' Philbin, 101 F.3d at 962.
No valid explanation can be proffered as to why all of the loan accounts have not been removed, because these accounts are being reported on MrXXXX XXXX credit file are in clear violation of the FCRA. Equifax has failed to investigate the obsolete accounts in question and has not promptly deleted this information as is mandated by law.
Mr. XXXX is requesting that the CFPB take enforcement action against Equifax or at least make an independent determination to facilitate a lawsuit against Equifax by Mr. XXXX, which will be filed shortly. The CFPB specifically supervises financial companies to ensure compliance with federal consumer financial laws. This supervision is clearly needed in the instant matter because Equifax is essentially thumbing its nose at Mr. XXXX letters, not conducting an investigation as required under the law, and simply proffering boiler plate nonsensical responses to letters received and the prior CFPB complaint.
Mr. XXXX is suffering significant financial harm by being denied consumer credit which includes but is not limited to a SBA Loan for his law firm. Please use your enforcement authority to assist in this matter against Equifax who is behaving in palpable bad faith.
Sincerely, XXXX XXXX, Esq.
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05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
As a consumer I have the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ).
I am aware a consumer must be given a chance to direct whether they want the information about a transaction had to be reported or not, this is referenced in the GLBA and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ).
Transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This is my social security card. This credit card was authorized by my social security card and therefore must be excluded from my consumer report. This reported information on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ).
If there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the consumer, allege no such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way.
As a consumer I am aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud using my identifying information and does not have any lawful authority to furnish this information on my consumer report and this is a violation of 15 U.S.Code 1681b ( a ) ( 2 ).
Consumer reporting agencies on a nationwide basis must maintain a joint notification system. I have reason to believe and do so believe, this is to be held to maintain 100 % accuracy amongst consumer reporting agencies. This information on my consumer report does not match other consumer reporting agencies which means your company has a failure in reasonable procedures to keep a jointly notification system and a violation of 15 U.S.Code 1681b ( e ) ( 6 ).
A consumer reporting agency must maintain reasonable procedures to assure maximum possible accuracy of furnished information on my, the affiants consumer report.
According to 15 U.S. Code 1681g, I the consumer, have the right to request a full file disclosure about the information within my consumer file which includes the sources of the information was used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person ( including the end-users identified under section 1681e ( e ) ( 1 ) of title 15 ) that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1-year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer.
In accordance with 15 USC 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report.
Each requirement of the FCRA which Equifax fails to comply with holds the company liable for {$1000.00} each per action and pursuant to 15 U.S.Code 1681l when an investigative report is prepared no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified and holds Equifax liable for each account.
Negligence is neglecting requirements that should be known. Due to Equifax business practices which you are aware of as well as the laws you should be aware of, and laws I, the consumer made you aware of prior to the continued failure of reasonable procedures I the consumer has reason to believe, and do so believe, Equifax actions are liable under 15 U.S. Code 1681o for the actual damages caused to me, the consumer in fact.
Any person, which includes an organization such as Equifax who willfully and knowingly obtains information on a consumer, like I, from another consumer reporting agency, without the written instructions or authorization pursuant to 1681b is information obtained under false pretenses. You have no lawful authority, and this is a crime under Title 18.
I the consumer, have put in a dispute Equifax I have made clear this information has not been verified and can not be accurate information relating to me as shown in my exhibits. Equifax has violated 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and proceeded to furnish my information without any verification or lawful authority.
This information has been disputed. After this procedure upon discovery, in my exhibits, the consumer report is still showing the information inaccurately. This is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ).
Equifax is a financial institution as defined under 15 USC 6827 ( 4 ) ( B ).
According to 15 USC 6801 I, consumer, has the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information.
These accounts have adversely affected my work opportunities which I have proof of. As a XXXX XXXX XXXX veteran, the stress and defamation of my character through errors on my consumer credit file and negligence on behalf of Equifax knowingly and willingly reporting these errors have caused my migraines to intensify.
I am requesting removal of XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX be removed immediately and all remarks.
If my requests are not satisfied, I will be forced to take legal action in federal court for actual damages. This is my second attempt to have these erroneous accounts removed. You have 15 days to comply according to 15 usc 1681.
Send proof of deletion via usps of updated credit file.
Thank you.
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03/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Todays Date : XX/XX/XXXX Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Inquiry details XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Ban Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX.
Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I submitted request according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
I have requested the items listed below be removed as they are in violation of 15 U.S.C 1681 Section 602 A/604 A Section 2.
In accordance with the Fair Credit Reporting act XXXXXXXX # XXXX and # XXXX and # XXXX, in the amount of {$1800.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, in the amount of {$710.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$920.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$820.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$1800.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and XXXX, in the amount of {$2600.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$700.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$310.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$6200.00} and {$160.00} and has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, in the amount of {$820.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX in the amount of {$460.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, in the amount of {$1100.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act Texas XXXX XXXX # XXXX, in the amount of {$16000.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$4100.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act Account XXXX XXXX # XXXX, in the amount of {$910.00} has violated my rights.
XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX in the amount of {$160.00} and {$6200.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$1000.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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07/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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YOUR COMPLAINT This is my 3rd and final letter, to which I have created a paper trail with signatures proof you have received these letters. ( Letters 1-2 as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XX/XX/XXXX, that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ) ATTACHMENTS XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. After a review of your account, we confirmed that you have four Private Signature Select Loans that are currently in default. As of XX/XX/XXXX, the total balance for the loans is {$52000.00}. A private loan is unsubsidized, which means that you are responsible for the interest at all times, beginning on the date the loan is disbursed. Interest that remains unpaid during the time the loan is in School, Grace, and Forbearance status is capitalized ( added to the principal balance ). This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans. Our records reflect that your Private Signature Select Loans defaulted due to non-payment in XX/XX/XXXX. We have requested the assistance in collecting the debt from an outside agency. We are pleased to share that you are eligible for the Reduced Interest Rate Program for the loans. With this program, your monthly payment would be {$250.00}. Once the third qualifying monthly payment posts to your account, the interest rate will be reduced to 0.001 percent and will remain at that rate as long as you continue making the required payments each month. Please understand that the loans will continue to be reported to the consumer reporting agencies as charged off until they are paid in full, at which time, the loans will report as account paid in full, was a charge off. If you are interested in learning more about this option, please contact XXXX XXXX XXXX at XXXX. The Fair Credit Reporting Act requires lenders and servicers, such as XXXX, who report information to the consumer reporting agencies to do so with accuracy. We reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. Given the requirements of this law, XXXX can not honor your request for removal of accurate reporting. The Fair Credit Reporting Act requires lenders and servicers, such as XXXX, who report information to the consumer reporting agencies to do so with accuracy. We have reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. We have updated your credit report to reflect your disputed loans as follows : Completed investigation of FCRA dispute consumer disagrees. This narrative will be reflected on your credit report for each loan you included in your dispute and will be included with our next update to the Consumer Reporting Agencies. If you wish to have this narrative removed from your credit report, please write to us at XXXX. XXXX XXXX, XXXX, PA XXXX. Please include your name, address, account/loan numbers, and indicate that you wish to have the dispute narrative removed from your credit report. Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback In the company response they stated that ( " This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans '' ) As i have no record of this information being sent to my home so once again im asking. So i ask the CFPB to honor my request that the company in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ( AND TE COMPANY DID NOT PROVIDE THIS ALL HEY PROVIDED WAS A FALSE CLAIM SAYING THEY SENT THIS TO MY HOME WHERE IS THEIR PROOF AND OR SIGNATURES OF THESE LOANS ) Their are so many errors on so many moving parts. I have created the proper paper trail and I have yet to recieve the information i requested to settle this debt if validated ... I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XX/XX/XXXX, that together with your assurance that you will except payment What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from other consumers, helps us make decisions about which issues and companies to investigate. If we take public legal action against the company that involves the issue you complained about, we will let you know. You can see public legal actions on our website. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on that process. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint.
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04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications XXXXay be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
2. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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08/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am requesting debt validation for a {$41000.00} charge off that is currently reported by XXXX to my credit report ( XXXX XXXX and Equifax XXXX and associated with my property XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CO XXXX. I am also requesting that XXXX immediately discontinue attempts to update my credit report with the incorrect address XXXX XXXX XXXX, XXXX XXXX, CO XXXX and remove my ex-wife, XXXX XXXX, as a joint owner of this debt ( account XXXX ). XXXX is incorrectly reporting my ex-wife, XXXX XXXX, as a joint owner on this debt which is causing her information to erroneously appear on my XXXXEquifax credit reports. I have disputed this address numerous times with XXXX directly due to an identity theft case that has been reported and filed with the XXXX of XXXX, CA police ( attached ). I have also disputed this with XXXX XXXX and Equifax but have failed to prevent XXXX from continuing to report the XXXX address, causing mail with personally identifying information ( Social Security Number ) to be directed to this address in error.
XXXX has stated that they are the current owner of the {$41000.00} debt for account XXXX, purchased from XXXX XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX XXXX is the former lien holder/mortgage servicer of the 1st and 2nd mortgage to my property XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX and is the only lien holder on record for this property. XXXX XXXX XXXXXXXX is a defunct unit of XXXX that forced many subprime loans to go into default, including the defaulted 2nd mortgage in question that has been purchased and reported to the ( 3 ) Credit Reporting Bureaus by XXXX XXXX formerly XXXX XXXX ). XXXX successfully removed my ex-wife XXXX XXXX from her financial and legal obligation to repay either loan but failed to provide XXXX any documentation of the removal following the sale to XXXX on XXXX/XXXX/XXXX. XXXX XXXX XXXX has never reported the 2nd mortgage to my credit report nor my ex-wife 's credit report until the sale of the defaulted 2nd mortgage to XXXX on XXXX/XXXX/XXXX. XXXX began reporting to the credit bureaus against XXXX and I both in XXXX.
XXXX XXXX is not on the title and 1st mortgage of XXXX XXXX XXXX XXXX. In fact, we have been divorced since XXXX and have not lived in the property together since XXXX. The reason the home went into default was because my ex-wife 's parents had a lease-to-own contract for XXXX XXXX XXXX XXXX and failed to pay the 2nd mortgage with XXXX per agreement. The contracted ended and I moved back into the property in XXXX XXXX. XXXX refused to let me do a loan modification and hardship to cure the deficiency on the 2nd mortgage as they stated I needed to be in default prior to approval of the loan modification. My last payment with XXXX was XXXX XXXX when I applied for the loan modification. I called to find out my status, which was declined, but never received anything in writing stating my ability to appeal the rejection within 30 days. I contacted XXXX numerous times to have the letters resent as they were never received as XXXX confirmed over the phone. The loan was forced into default.I never received any letters of acceleration, missed payment, or default from XXXX. I never received anything in the mail regarding the sale of my 2nd mortgage to XXXX until XXXX sent its first notice in XXXX to a MA address I was renting at.
XXXX 's mortgage center in XXXX, FL was contacted on XXXX XXXX and XXXX XXXX XXXX regarding the loan serviced by XXXX. On XXXX XXXX, an agent for XXXX stated that notification letters regarding the rejected loan modification application, default and accelerated payment due to the default were mailed to XXXX XXXX XXXX XXXX. The agent proceeded to say that I was given " plenty of opportunity to work with XXXX on curing the deficiency '' because I had been granted a loan modification which allowed me to do so. This is false because a loan modification would require that I receive the necessary tax documents ( 1099 or 1098 form ) to file with the IRS for the XXXX tax year. On XXXX XXXX, the next agent I spoke with at XXXX regarding the loan could not see the loan modification documents or any documents related to the 2nd mortgage serviced by XXXX. The agent stated that XXXX is the owner of the defaulted 2nd mortgage purchased on XXXX/XXXX/XXXX, and that the letters I never received from XXXX regarding the default, declined loan modification, and acceleration were sent back to XXXX " Return to sender : not deliverable '' despite the address being correct ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Colorado XXXX ). The agent stated that XXXX purchased the loan and would have all the documents necessary to correct the credit reporting that XXXX is providing to XXXXXXXXEquifaxXXXX against my credit report as well as my ex-wifes, XXXX XXXX. She recommended I follow up with XXXX as they would have all the documents to make my dispute.
HSBCs negligence has caused irreversible damage to my credit report in their failure to provide XXXX with the appropriate documentation necessary for accurate credit reporting. As of XXXX XXXX, XXXX stated the only documentation they possess regarding XXXX is a loan application with my ex-wife XXXX XXXX name on it. A loan application is not enough to prove valid ownership of a loan. XXXX is unable to provide me with the documentation that would support HSBCs claims and provide me a resolution to correct the credit reporting against myself and my ex-wife XXXX XXXX.
Ditechs inability to validate the debt due to lack of documentation destroys the property value of my home as XXXX can not remove a lien on a property that XXXX does not own. I can not sell or refinance my property as this issue clouds the clear title I would have to guarantee a new mortgagor or buyer of the property. Mail is being incorrectly forwarded to an address containing my social security number, which further compromises my financial integrity as a victim of identity theft.
I demand that XXXX remove the debt from mine and XXXX XXXX credit reports entirely or remove XXXX so that my identity is no longer compromised by reporting the incorrect address.
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04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS XXXX : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. Identity XXXX XXXX Account Number : XXXX Please remove it from my credit report.
3. Identity XXXX XXXX Account Number : XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
On XX/XX/XXXX I contacted XXXX XXXX XXXX in reference to a bunch of disputes that violates FCRA laws and my rights as a consumer to obtain a fair accurate and complete credit report my XXXX XXXX XXXX XXXX loan, which was open on XX/XX/XXXX reflects late payment history, which violates the following laws : In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
My XXXX XXXX account opened XX/XX/XXXX and XX/XX/XXXX. Also violates the following laws XXXX XXXX XXXX has also violated 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Please remove all late payments and update it to PAID NEVER LATE WITH ALL THREE CREDIT REPORTING AGENCIES In accordance with the fair credit Reporting act XXXX XXXX accounts opened on XX/XX/XXXX and XX/XX/XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
I have spoken to multiple agents at XXXX. Those agents either hung up on me or they declined to dispute the inaccurate information on my credit report. I contacted CPFB on XX/XX/XXXX, and filed a complaint on how I was treated because I asked them to dispute in accurate and incomplete information on my credit report. There is also other complaints open with additional accounts that violates multiple FCRA laws when I informed XXXX and their representatives, I will be in contact with CPFB and file a complaint due to the violations they hung up on me. Most of those agents caught attitude was very rude and did not want to help me. Please look at all of the documents that were supplied to you guys for it shows information from XXXX XXXX themselves stating that they will remove the late payments and update it with the credit reporting agencies As the laws were violated, I am demanding that XXXX XXXX XXXX XXXX open on XX/XX/XXXX remove all late payments and update the status to paid never late with all three credit reporting agencies, ( XXXX XXXX, Equifax, and XXXX are the XXXX credit reporting agencies that this information should be removed and updated with as paid never late ).
As the laws violated, I am demanding that XXXX XXXX accounts opened on XX/XX/XXXX and XX/XX/XXXX. Remove all late payments and update the status as paid never late with all three credit reporting agencies ( XXXX XXXX XXXX Equifax are the credit reporting agencies that this information should be removed and updated with as paid never late ) I also feel that XXXX is reporting what they want to report to the credit bureau and this is wrong an unlawful and affects the rights of the consumers And violates the law 15 USC 16 ai they are obligated to report an accurate and complete credit report. In my case. They have reported nothing edit they are obligated to report an accurate and complete credit report. In my case. They have reported nothing but an accurate and incomplete. information on multiple counts on my credit report such as the Cons account that reflects past due, but the account is charged off you can not report a charged off account and a pass-through balance. At the same time. They also are reporting inaccurate and inconsistent late payments with my XXXX XXXX credit card, they are also reporting XXXX accounts for XXXX XXXX XXXX Both accounts are charged off with a past due balance this violates 15 USC 1681 ai for not reporting complete and accurate information. they are also reporting is Cons account as charged off that reflects a past due balance. This account also has three different balances this account violates 15 USC 1681 ai by not reporting accurate and complete information They are also reporting XXXX XXXX XXXX with a balance at {$4000.00} in which I have no knowledge nor have I signed a contract with this company. They are reporting an account for XXXX. I also have no knowledge nor have I signed a contract with that company. Both XXXX XXXX XXXX and XXXX is in violation of 15 USC 1681 ai for improper use of my credit report .They are reporting the XXXX XXXX XXXX with a XXXX balance as a charge off that all information is also in accurate and incomplete. You can not report a XXXX balance as a charged off balance. All of these accounts are in violation of 15 USC 1681 ai The XXXX account report it {$41.00} as a balance that violates 15, USC 1681ai for not reporting complete and accurate information each account that Ive listed above. I want delete it off of my report. The accounts Im referring to is XXXX XXXX, XXXX XXXX XXXX XXXX and both XXXX XXXX XXXX accounts as they all violate it 15 USC 1681ai by either reporting inaccurate and incomplete information or in properly using my credit report I have filed disputes with both XXXX and Equifax. XXXX has been very good with updating and accurate information. Besides, the XXXX XXXX XXXX account was not removed yet Equifax I am not able to review my credit report. Ive contacted them several times I do see the dispute that theyve created, but I do not see the updated information yet XXXX has not complied nor completed and accurate dispute which is in violation of 15 USC 1681 ai by failing properly investigate all incomplete and inaccurate information and accounts on my credit report with XXXX they have financially affected me. They have mentally affected me
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10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Again! I am disputing XXXX XXXX XXXX XXXX ACCOUNTS ( automobile, credit cards, and unsecured loan ) I am tired of disputing, the obvious inaccuracies on these accounts and YOU REPORTING AGENCIES CONTINUE TO MAIL ME MY CREDIT REPORT STATING THE ACCOUNT HAS BEEN VERIFIED, ACCURATE, IT BELONGS TO ME, which if the account belonging to me was NEVER IN QUESTION!, the dispute was inaccuracies that YOU REPORTING AGENCIES have continuously allowed to remain on my consumer report.
According to 15, USC 1681eb MAXIMUM ACCURACY shall be reported on the consumer report, which YOU REPORTING AGENCIES have failed to do on numerous occasions! The last dispute here on this CFPB website I submitted documentation, and I marked every single inaccuracy that needed to be removed and yet you still did not do your due diligence, which is required by LAW! A charged off account is an account that is dormant/dead. IT DOES NOT CONTINUOUSLY REPORT ON A MONTHLY BASIS, for example : ( X ( late ), L ( late ) or CO ( charged off ) THE MONTH AND THE YEAR THE ACCOUNT WAS CHARGED OFF IS THE *ONLY TIME* MEANING ONE TIME IT SHOULD BE REPORTED. TWO OUT OF THE THREE XXXX XXXX XXXX XXXX ACCOUNT CHARGED OFF IN XX/XX/XXXX AND THE THIRD CHARGED OFF XX/XX/2018. IT SHOULD NOT CONTINUOUSLY ON A MONTHLY BASIS UPDATE A PAST DUE AMOUNT OR BALANCE, BUT YOU STATE THE ACCOUNT IS ACCURATE AND YOU VERIFY THAT ITS ACCURATE. I FIND IT FUNNY, BECAUSE HOW IS THAT POSSIBLE ON AN ACCOUNT THAT IS DORMANT/DEAD? YOU REPORTING AGENCIES are also ALLOWING ALL OF THESE XXXX, XXXX XXXX XXXX ACCOUNT TO NOT ONLY CONTINUOUSLY REPORT CHARGED OFF, WHICH IVE NOTICED MY LAST DISPUTE YOU WENT BACK AND CHANGED TO ( X or. L ) how is this legal or ethical? HOW CAN YOU ALLOW THE PAST DUE AMOUNT ON A MONTHLY BASIS TO INCREASE? NOT ONLY IS THAT A VIOLATION AND NOT ONLY IS IT UNLAWFUL and NOT ONLY DOES IT GO AGAINST MOST IMPORTANTLY!! MY RIGHTS AS A CONSUMER ITS A LIE! AND ITS INACCURATE, BECAUSE THE ORIGINAL CHARGED-OFF AMOUNT IS CONTINUOUSLY BEING CHANGED ON A MONTHLY BASIS, SO WHEN INAPPLY FOR ANYTHING IT LOOKS AS IF THE CO ( charge off ) just occurred for that specific month which is a lie!
According to section 623 15 USC 1681s 2 ( 5 ) duty to provide notice of delinquency of accounts ( A ) in general : furnishers shell notify the agency of the date of delinquency on the account, which shall be the month in the year of the commencement of the delinquency on the account, THIS MEANS REPORT MONTH AND YEAR, ONE TIME THAT IT CHARGED OFF ON MY CONSUMER REPORT, NOT EVERY SINGLE MONTH, WHICH IS ILLEGAL BECAUSE YOU ARE RE-AGING THE DEBT EVERY MONTH FOR THE PAST FIVE YEARS, WHICH COUNTS AGAINST MY CREDIT REPORT, AND IT IS VIEWED AS IF THE CHARGE OFF JUST OCCURRED EACH MONTH, THIS IS NOT RIGHT THIS IS WRONG ON SO MANY LEVELS, AND I AM BEING VIOLATED! This is my last attempt to have you reporting agencies do the right thing, do the LEGAL/required corrections on my consumer report as fast as possible or either stated by law DELETE these accounts since you have not provided me with HOW any of this is accurate!
I WILL BE TAKING LEGAL ACTION if this is not 100 % corrected or deleted and stopped on my consumer report. I already have an attorney that is ready able and willing. I have kept every dispute, every certified mail slip every response every credit report for my case! I have uploaded what I have sent you guys certified mail on the CFPB website along with proof/documentation/pictures of exactly what I am talking about so there is XXXX confusion with my corrections on my report please expedite this process! Stop sending stall messages for proof of address and identification when Ive clearly provided this in several other disputes pertaining to this same matter!
CFPB you will be included in this lawsuit since you have failed to make sure my disputes are fully investigated lawfully, you XXXX XXXX XXXX XXXX I will be including you especially since in XXXX I was in the hospital, down and out from a XXXX XXXX XXXX accident for 5 months with only XXXX XXXX as I tried on multiple occasions to workout with you guys as you continuously harassed me by calling multiple times a day while I was in the hospital and recovering from XXXX, as prior to the accident I had made every single payment on time for multiple years and you refused to work with my unfortunate situation as a loyal USF Alumni! All calls are recorded so I have no reason to lie and have kept records and proof, and the fact that you on a monthly basis continue to purposely and unlawfully report inaccurately on my credit report will be included in my lawsuit if this isnt IMMEDIATELY CORRECTED with the accurate amounts, with ONLY 1 charged off month and year it was actually charge off reported accurately for each account ONLY! You have also filed this on your taxes with the IRS and Ive asked for my 1099C which I have never received after asking for it, so will also be contacting the IRS. ALSO for my auto loan you guys owed my a refund when I didnt have full coverage auto insurance since my father had passed and you increased my monthly payment from XXXX to {$400.00} until the amount you had to cover was paid off, you over charged me and once my auto payment went back to the original amount of XXXX you never informed gap insurance that I was back in good graces so when I had the XXXX accident, they didnt cover the last {$3000.00} that I owed you guys they only cover {$1000.00} which I still have an email from an employee at XXXX XXXX XXXX XXXX that confirmed this information so I dont owe anything for my car because that was your fault XXXX XXXX XXXX XXXX you dropped the ball and now you have the nerve to put me in a charged-off status for something that I should not owe and on top of that you are adding interest to an amount that has been charged off. How do you continuously add interest to increase a charged off amount a charged off account is a dead account. It is what it is this is all unlawful in accurate degrading and just you should be ashamed, if this isnt fixed within a month, Im filing suit on everyone because Im tired of wasting my time!
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08/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
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09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I am writing this complaint to cfpb versus Equifax, XXXX XXXX XXXX, XXXX in hopes to gain removal from reporting any negative claim ( XXXX ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( XXXX ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized XXXX Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized XXXX Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( XXXX ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( XXXX ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( XXXX ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, imo unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( XXXX ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have Equifax, XXXX XXXX XXXX, XXXX remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.
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10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
I am writing this complaint to cfpb versus Equifax, XXXX XXXX XXXX, XXXX in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXXXXXX XXXX own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, imo unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have Equifax, XXXX XXXX XXXX, XXXX remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.
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09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
I am writing this complaint to cfpb versus Equifax, XXXX XXXX XXXX, XXXX in hopes to gain removal from reporting any negative claim ( XXXX ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( XXXX ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized XXXX Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized XXXX Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( XXXX ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( XXXX ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, imo unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( XXXX ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have Equifax, XXXX XXXX XXXX, XXXX remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.
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09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
I am writing this complaint to cfpb versus Equifax, XXXX XXXX XXXX, XXXX in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesisXXXX XXXX unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have Equifax, XXXX XXXX XXXX, XXXX remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.
|
04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
On XX/XX/XXXX I submitted an FTC REPORT due to my credit profile being impacted by the Equifax data breech. Dispute along with the FTC REPORT were sent to EQUIFAX, XXXX, AND XXXX. And as of today XX/XX/XXXX I have had no response for neither credit bureau. I need all accounts removed ASAP due to it is affecting me receiving positive credit and I feel as though my consumer rights are being violated.
XXXX | XX/XX/XXXX : Account number : N/A, This was an authorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an ununauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX : Account number : XXXX, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX XXXX : Account number : XXXX, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX XXXX : Account number : XXXX, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX XXXX : Account number : XXXX, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorize account. Can you delete this ASAP and send me and update.
|
09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
I am writing this complaint to cfpb versus Equifax, XXXX XXXX XXXX, XXXX in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, imo unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have Equifax, XXXX XXXX XXXX, XXXX remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.
|
09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
I am writing this complaint to cfpb versus Equifax, XXXX XXXX XXXX, XXXX in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, imo unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have Equifax, XXXX XXXX XXXX, XXXX remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.
|
09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
I am writing this complaint to cfpb versus Equifax, XXXX XXXX XXXX, XXXX in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, XXXX unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have Equifax, XXXX XXXX XXXX, XXXX remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.
|
07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention several egregious violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my life. I humbly request your assistance in enforcing my legal rights as a consumer and ensuring that justice is served.
As a hardworking individual seeking financial stability, I have always prided myself on maintaining a respectable credit history. However, due to the actions of unscrupulous creditors, my financial well-being and emotional state have been severely affected.
Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry, Failure to Respond to a Dispute Creditor : XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Additionally, 611 - Procedure in case of disputed accuracy Subsection : 611 ( a ) ( 1 ) ( A ) - Identity of furnisher and investigation of disputed information Violation : Inaccurate Reporting of Personal Information Creditor : Not specified in the complaint Potential Violated Law : FCRA, Section 607 - Compliance procedures Subsection : 607 ( b ) - Duties of furnishers of information upon notice of dispute Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The impact of these violations has been nothing short of devastating. The unauthorized credit inquiries have led to undue stress, sleepless nights, and constant fear of potential identity theft. The inaccurately reported personal information has caused confusion and hindered my ability to secure essential financial services.
This has not only affected me financially but has also taken an emotional toll on my overall well-being. The constant worry about the integrity of my credit report has strained my personal relationships and made it difficult to focus on the most important aspects of my life.
In light of the above, I kindly request the Consumer Financial Protection Bureau to intervene on my behalf and enforce my rights under the FCRA. I humbly request that you thoroughly investigate the violations committed by the mentioned creditors and take appropriate actions to hold them accountable for their actions.
Furthermore, I urge the CFPB to ensure that these unverified and unauthorized accounts are promptly removed from my credit report. This measure is vital to restoring my financial stability and emotional well-being.
I have diligently tried to resolve these issues with the creditors involved, but my efforts have been met with indifference and inaction. Your assistance in this matter is of utmost importance to me, as it represents a beacon of hope in an otherwise distressing situation.
Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my consumer rights.
Sincerely, XXXX XXXX
|
01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation XXXX : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXX : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
XXXX XXXX Equifax Equifax 2 Year Payment History OK OK OK OK OK OK XXXX XXXX OK OK OK XXXX OK OK XXXX OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Open Account Type : Revolving Balance Owed : {$450.00} Credit Limit : {$0.00} Creditor Remarks : Consumer disputes this account information Credit card Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$500.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$32.00} Payment Status : Current Term Length : XXXX XXXX Equifax Equifax 2 Year Payment History OK OK OK OK OK OK OK XXXX OK OK OK OK OK XXXX OK OK OK OK OK OK OK Account # : XXXX Account Description : Joint Account Status : Open Account Type : Installment Balance Owed : {$2800.00} Credit Limit : {$0.00} Creditor Remarks : Auto Fixed rate Creditor Type : Auto Loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$10000.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$320.00} Payment Status : Current Term Length : XXXX XXXX Equifax Equifax 2 Year Payment History OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Paid Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Reaffirmation of debt Closed or paid account/zero balance Creditor Type : - Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$14000.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Late 30 Days Term Length : XXXX XXXX XXXX Equifax Equifax 2 Year Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Transferred Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Account transferred or sold Student loan Creditor Type : Educational Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$2600.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Late 120 Days Term Length : XXXX XXXX Equifax Equifax 2 Year Payment History OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Revolving Balance Owed : {$530.00} Credit Limit : {$0.00} Creditor Remarks : Charged off account Credit card Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$530.00} Last Payment : XX/XX/XXXX Past Due Amount : {$530.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : XXXX XXXX XXXX Equifax Equifax 2 Year XXXX History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Transferred Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Account transferred or sold Student loan Creditor Type : Educational Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$5500.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Late 120 Days Term Length XXXX XXXX XXXX XXXX Equifax Equifax 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Transferred Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Account transferred or sold Student loan Creditor Type : Educational Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$4000.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Late 120 Days Term Length : XXXX XXXX XXXX Equifax Equifax 2 Year Payment History Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Bankruptcy XXXX XXXX Secured Included in bankruptcy Creditor Type : Secured loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$0.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status XXXX Unknown Term Length XXXX XXXX Bankruptcy Equifax Equifax Asset Amount : {$0.00} Closing Date : - Court : Federal Date Filed/Reported : XX/XX/XXXX Exempt Amount : {$0.00} Liability : {$0.00} Reference XXXX : XXXX Remarks : - Status : Discharged Type : XXXX XXXX Bankruptcy The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting.
Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.
Sincerely XXXX XXXX XXXX XXXX Please send your written response to my address of 60 A XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I Had To Send XXXX letters to this company because they have different information on all my credit reports! Furthermore I was never late.
XXXX XXXX Report : XXXX Date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : XXXX XXXX XXXX, Your company is in violation of the FCRA and Metro2 Compliance for reporting these transactions.
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX and XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports.
The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of Metro2 compliance. I requ
est that you provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.
I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests.
Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
I insist that the above transactions be promptly deleted from my consumer reports.
Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address XXXX XXXX Report : Equifax Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my Equifax credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : XXXX XXXX XXXX Your company is in violation of the FCRA and Metro2 Compliance for reporting these transactions.
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX and XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports.
The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of Metro2 compliance. I request that you provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.
I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests.
Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
I insist that the above transactions be promptly deleted from my consumer reports.
Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address XXXX XXXX Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : XXXX XXXX XXXX Your company is in violation of the FCRA and Metro2 Compliance for reporting these transactions.
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports.
The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of Metro2 compliance. I request that you provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.
I need the transactions reported on XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests.
Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
I insist that the above transactions be promptly deleted from my consumer reports.
Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address
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03/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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I am writing to dispute the inaccurate reporting of my credit information by XXXX XXXX, specifically regarding my account with the number XXXX. XXXX XXXX has consistently violated the Fair Credit Reporting Act ( FCRA ) by reporting inconsistent information to the three credit reporting agencies, namely XXXX, XXXX, and Equifax.
XXXX XXXX has reported this account as a revolving credit card on XXXX, while XXXX and Equifax list it as an account type detail. Additionally, there are discrepancies in the reported monthly payment amounts and balances among the three agencies, which has caused significant confusion and frustration for me as a consumer.
Furthermore, XXXX XXXX failed to report a due date to any of the credit reporting agencies, and reported blank seeds for every bureau, which may indicate a failure to report accurate information. As a result of these violations, my credit report has been negatively impacted and my ability to obtain credit has been severely hindered.
This inaccurate reporting has had a profound effect on my life. I have been denied credit opportunities and have been subjected to higher interest rates, which has made it difficult for me to make important purchases and achieve my financial goals. I am deeply frustrated and distressed by XXXX XXXX 's disregard for the laws designed to protect consumers like me.
Therefore, I am requesting that you enforce legal actions against XXXX XXXX for these violations of the FCRA. Additionally, I demand that XXXX XXXX remove these unverified collection accounts from my credit report immediately. I appreciate your prompt attention to this matter and look forward to a favorable resolution.
I am writing to dispute several inaccuracies that have been reported on my credit reports by XXXX XXXXXXXX XXXX XXXXXXXX. Specifically, the account associated with account number XXXX is listed as an Account type detail by XXXX and Equifax, but it is actually a revolving credit card as reported by XXXX. Furthermore, there are discrepancies in the reporting of monthly payment amounts and payment statuses across the three credit reporting agencies. XXXX and XXXX report the monthly payment as {$00.00}, while Equifax does not report it at all. Each bureau also has blank fields for the number of months ' terms, indicating a failure to report accurate information. Additionally, XXXX and Equifax report the payment status as Paid or paying as agreed, while XXXX reports it as Current but 30 days past due. These inconsistencies are causing significant harm to my creditworthiness and have impacted my life in many ways.
I have been denied credit for things like a car loan, a mortgage, and even a cell phone plan. As a result, I have been forced to rely on high-interest loans and credit cards, which have put me in a difficult financial situation. It has also caused me a great deal of emotional distress and anxiety, as I feel like I am constantly struggling to keep up with bills and payments. I believe that XXXX XXXX XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ), including Section 623 ( Responsibilities of furnishers of information to consumer reporting agencies ), Subsection ( a ) ( 1 ) ( A ) ( Duty to provide accurate information ), Subsection ( b ) ( Guidelines for accuracy and integrity of furnished information ), Subsection ( e ) ( Duty to correct and update information ), and Subsection ( i ) ( Treatment of voluntary payment agreements ). Additionally, there are violations of the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 312 ( Reasonable procedures to ensure accuracy of credit report information ).
I am requesting that you enforce the legal requirements for accurate and timely reporting of credit information, and I would also like to request that XXXX XXXXXXXX XXXX XXXX remove these unverified collection accounts from my credit report. Thank you for your attention to this matter.
I am writing to dispute the inaccurate and inconsistent reporting of my credit information by XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX to the three credit reporting agencies, XXXX, XXXX, and Equifax. This has caused significant damage to my credit score, which has had a profound impact on my life.
I want to bring to your attention the violations committed by these creditors. XXXX XXXX ( Original Creditor : XXXX ) XXXX has violated the law by reporting different account types to different credit bureaus. Additionally, they reported different payment statuses to different credit reporting agencies. Finally, they left blank seeds for every bureau, indicating a failure to report accurate information.
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has also violated the law by inconsistently reporting the account type among the XXXX credit reporting agencies. This has resulted in inaccurate information being reported, damaging my credit score.
Similarly, ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX has violated the law by reporting different payment statuses and account types to different credit reporting agencies. This is a clear violation of the Fair Credit Reporting Act, which is meant to protect consumers from such practices.
Finally, XXXX XXXX XXXX has violated the law by inconsistently reporting the account type and different payment statuses to different credit reporting agencies. This has had a significant impact on my credit score and has caused me to experience significant financial hardship.
I would like to emphasize the significant impact this has had on my life. Due to these inaccuracies, I have been denied credit, faced high-interest rates on loans, and have had difficulty securing employment. My credit score is essential to my financial well-being, and these violations have caused me significant emotional distress and financial hardship.
Therefore, I request that you enforce the legal requirements and ask these creditors to remove these unverified collection accounts from my credit report. Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I am writing this complaint to cfpb versus Equifax, XXXX XXXX XXXX, XXXX in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in XXXX of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in CDIA 'S own CRRG manual ( see CRRG 3-4 ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, XXXX unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have Equifax, XXXX XXXX XXXX, XXXX remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.
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11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
This is my XXXX and final time explaining the federal violations Equifax are doing. I the consumer sent out a method of verification letter with a green certified slip to show delivery. Equifax has not responded to that letter and are currently XXXX days past due on a response. I also sent out a notarized Affidavit to Equifax with a green certified slip for proof and Equifax has yet to respond to it, which puts them XXXX days past due. They are now in violation of 15 U.S. Code 1681e - Compliance procedures XXXX XXXX Notes XXXX | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirementA consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) DisclosureA person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resaleA person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or departmentNotwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
Equifax responded with a computer generated response saying verified. As a consumer I know that to be false because they did not or have not followed the rules of 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. That is another violation that Equifax is intentionally doing. I have provided evidence and proof of my claim.
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09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I am writing this complaint to cfpb versus Equifax, XXXX XXXX XXXX, XXXX in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized XXXX Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized XXXX Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX 3-4 ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( XXXX ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, imo unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have Equifax, XXXX XXXX XXXX, XXXX remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.
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09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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I am writing this complaint to cfpb versus Equifax, XXXX XXXX XXXX, XXXX in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized XXXX Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized XXXX Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( XXXX ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, imo unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have Equifax, XXXX XXXX XXXX, XXXX remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.
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11/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear Sir or Madam, XXXX. XXXX XXXXXXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as 60 days late on this account in XX/XX/XXXX and XX/XX/XXXX, Also 90 days late on this account in XX/XX/XXXX, XXXX is 120 days late on this account in XX/XX/XXXX.
I immediately disputed this information with XXXX XXXXXXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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07/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Dear CFPB, after checking credit reports i was surprised to see a few accounts which are not belong to me. I did not recognize any if these accounts because on that period of time I did not visit hospital.
Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.
I found out a few accounts and inquiries which I have never had before and never applied. I am requesting to remove all of them from my credit report because personal information was stolen and used. Enclosed are the police reports, my DL and SSN. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
Dear Sir or Madam, XXXX. XXXX XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX also 60 days late on this account in XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account 1 of 3 should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXXeporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
|
01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXXXXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX consumer credit bureau.
I would like this inaccurate account to report PAID ON-TIME, NEVER LATE on my credit report. I've always made my payments on time, XX/XX/XXXX should be corrected. And the account is currently open so the last day active should be updated as well. 15 U.S.C 1681a : States I have the right to privacy.
15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus.
I would like this fraudulent account removed from my credit report immediately. I as the consumer never applied for an account or line of credit with this company or partners. This account was opened without my authorization, its fraudulent. Company not legally able to collect debt in my state.
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and consumer credit bureaus.
I would like this fraudulent account removed from my credit report immediately. I as the consumer never applied for an account or line of credit with this company or partners. This account was opened without any of my authorization, its fraudulent. Also the last day active on this account is inaccurate across my credit bureaus. Company not legally able to collect debt in my state.
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX consumer credit bureau.
I would like this inaccurate account to report PAID ON-TIME, NEVER LATE on my credit report. I've always made my payments on time, XX/XX/XXXX - XX/XX/XXXX should be corrected. It shouldn't say 120 days late for every month that's completely inaccurate.
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Equifax and consumer credit bureaus.
I would like this fraudulent account removed from my credit report immediately. I as the consumer never applied for an account or line of credit with this company or partners. This account was opened without any of my authorization, its fraudulent. Also the last day active on this account is inaccurate across my credit bureaus. Company not legally able to collect debt in my state.
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus.
I as the consumer never agreed to any contract or promise with this company. would like this fraudulent account removed from my credit report immediately. Company not legally able to collect debt in my state.
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus.
I as the consumer never agreed to any contract or promise with this company. would like this fraudulent account removed from my credit report immediately. Company not legally able to collect debt in my state.
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.
15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX ( XXXX ) actions have caused me and my family to serve mental anguish and defamation of character. They violated my consumer rights to privacy and the obligation you must maintain the security and confidentiality of my private information. I have sent out a dispute letter to this company stating that they are furnishing inaccurate and unverifiable information on my consumer report. I specfically stated that Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, it is their moral duty to report accurate information and if they are not reporting accurate information, which they are not, they MUST delete that information from my consumer report. I also, stated in that dispute that they reported my information without my consent, because pursuant to Pursuant to 15 U.S. Code 6801 - Protection of nonpublic personal information Congress states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furthermore, I also stated that they did not give me the proper disclosures in regard to me as a consumer having the option to Opt out of my information being furnished or reported.
The company responded to me on XX/XX/2023. XXXX XXXX Who is the Associate Director to be exact. In the letter he specially stated that, and I quote " I dont have the right to opt out of having a creditor report my account to the credit reporting companies. Well not only was this a dishonest statement but it shows that they are not accurately doing this moral obligation as a furnisher and is in clear violation for willful noncompliance and of reporting inaccurate information.
Congress states pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. then it goes on to say in subsection ( b ) Opt out : PLEASE READ CAREFULLY ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
There are three parts to this disclosure. I only received one from the creditor as 90 % of most people do.
Furthermore, the law states it must be CLEARLY AND CONSPICUOUSLY. What does conspicuously mean? In a clearly visible way It MUST BE IN PLAIN SIGHT, not hidden in small font in the middle of a passage.
XXXX XXXX also stated that XXXX XXXX XXXX XXXX have a right or dont need permission to report my information to the consumer reporting agencies. Well Pursuant to 15 U.S. Code 6801 - Protection of nonpublic personal information Congress states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
That law specifically states you have an ongoing obligation to protect my personal information, it is confidential, and you can not just willfully give any person access to my information if I did not give you permission to do so.
In addition, they are also furnishing a record of late payments on my consumer report which is inaccurate because Congress clearly states pursuant to 15 U.S. Code 1681a ( 2 ) Definitions ; rules of construction- ( 2 ) Exclusions. This section clearly states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE UNDERSTAND the law CLEARLY states that transactions or my experiences between the consumer and the person making the report are not included on the consumer report. This is a clear violation of 15 U.S. Code 1681a and inaccuracy on my report.
Late payments are only legal under one condition and one condition ONLY. Pursuant to 15 U.S. Code 1666b - Timing of payments the LAW STATES ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
XXXX XXXX XXXX has not provided me with such documentation, nor did they follow the proper procedures by law to even consider furnishing late payments on my consumer report. And this also now become a violation under 15 U.S. Code 1666b - Timing of payments.
The continued reporting of this inaccurate information is a clear violation of the Law and of your obligated responsibilities as a furnisher. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. I have proven and put you on notice that this account is inaccurate and in fact it is.
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07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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" I am writing this complaint to cfpb versus equifax, XXXX and XXXX in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and els
ewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, imo unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have the bueraus remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS. ''
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07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Please i have a bill in my name its not mines please help XXXX and a XXXX XXXX card that someone is still using. Ive contacted the credt bureaus they said i must contact the persn who has it i dont know. i have multiple inquireis. please help XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$390.00} {$390.00} {$390.00} No. of Months ( terms ) : 0 0 0 High Credit : {$530.00} {$530.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$400.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK 60 30 60 30 OK OK OK XXXX OK OK OK OK 60 30 60 30 OK OK OK Equifax OK OK OK 60 30 60 30 OK OK OK OK XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$510.00} {$510.00} No. of Months ( terms ) : - - High Credit : {$510.00} {$510.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Back to Top Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years.
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Automotive Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Automotive Dealers ( New ) XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Automotive Dealers, Used XX/XX/XXXX XXXX XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Union XX/XX/XXXX XXXX XXXX XXXX Credit Union XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX Back to Top Public Information Below is an overview of your public records and can include details of bankruptcy filings, court records, tax liens and other monetary judgments. Public records typically remain on your Credit Report for 7 - 10 years.
None Reported Back to Top Creditor Contacts The names of people and/or organizations who have obtained a copy of your credit report are listed below.
Creditor Name Address Phone Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Back to Top Print this page Download this report HomeContact Us About Us Become an AffiliateTerms and Conditions Privacy and Security Policy| Copyright XXXX XXXX
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09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
Older American |
Equifax has lost my credit history sometime after XXXX and has not re-established it. In XXXX I received a full Equifax and accurate credit report from them. In the interim years they suddenly stated I had no file with them, that basically I did not exist at all in their records. After multiple phone calls and faxes and USPS mailings they finally re-instated a " file '' on me, so I now exist, but that file no longer has my longstanding credit history. The file is " empty ''. Equifax states there IS no history, the file is essentially brand new, despite my faxing them a copy of their XXXX full credit report before I became " lost ''. I am in my 60 's, have lived in the same house for over 30 years with a mortgage, have had credit cards for decades, all 3 other credit agencies have my full adulthood file on hand ( XXXX, XXXX, and XXXX ). Only Equifax says I suddenly have no history. I have escalated calls to superiors at the company with no resolution. I have faxed to them a full credit history report ( see actions below ) to prove I have history and they do not respond and have not resolved the issue. This is affecting my ability to open minor accounts such as a satellite tv account or something similar and could affect my future ability should I need to access credit for a major purchase. And lastly, I am unable to sign into their online portal : When I use my email address it says it can not verify my identity, so I've mailed identification documents to them twice ; if I try to set up a new online account it says one already exists associated with my email address. A circular trap. There is no help from customer service. They just insist I keep sending documents, which I do, then the online sign-in trap remains unsolved, and my missing history remains unresolved. I do not know what to do to regain my history AND my access to it via reports. I beg for your help in this matter. Thank you.
XX/XX/XXXX : I contacted Equifax Credit Agency via their online portal to place a security freeze on my account. This was done successfully and I received a PIN as confirmation which I still posses. Success and proof that at that time they had a credit history file on me.
XX/XX/XXXX : I received mail from Equifax confirming my requested Initial Fraud Alert which would be active for 90 days. Success again as well as further proof that at that time they had a credit history file on me.
XX/XX/XXXX : I missed a deadline to re-up my enrollment in Equifax 's TrustedID XXXX subscription, which is fine, and received email notice of that product 's cancellation. This is only important because it once again confirms that in early XXXX there was a credit history file on me or this activity would not have been possible.
XX/XX/XXXX : I received an Equifax letter in response to my mailed form requesting a free credit report. It stated they needed verification documents which I sent. 1 ) W2 form showing SS # ; 2 ) Utility Bill showing correct mailing address.
XX/XX/XXXX : I recived a letter stating Equifax is " unable to locate a credit file ''.
XX/XX/XXXX : A phone call to customer service results in their requesting I fax documents showing SS, Drivers License, XXXX showing Mailing and Physical address, and a Utility Bill. This is a repeat of submitting identification documents listed above in XX/XX/XXXX, XXXX year prior.
XX/XX/XXXX : I fax to Equifax each of the above listed documents along with the correct spelling of my name, personal identification info, and contact info. No reply, still no ability to sign in online.
XXXX : I speak with an Equifax representative XXXX at XXXX, ID # XXXX who promises to escalate the issues ( the missing credit file and the inability to establish online presence, my desire to permanently remove the freeze long ago established, and to receive a free credit report ) to his supervisor by XX/XX/XXXX and that someone would contact us. No one did.
XX/XX/XXXX : I attempted yet again to sign into their online portal using my longstanding email address. It says " no account found '', yet when I attempt to create a new account it says " you have an existing account ''. Another circular trap. I can not get in. Customer service can not /will not help me.
XX/XX/XXXX : After multiple unsuccessful phone calls with customer service, I submit a XXXX page fax. It lists my concerns, it lists my personal information, it lists my contact information, it states my 4 goals ( find missing file, provide a free credit report, resolve my inability to sign-in online, lift the existing freeze - the freeze that exists even though the file it is placed on no longer does ). This fax also includes : a W2 showing SS ; a current drivers license image proving mailing address ; a home insurance policy image showing mailing and physical address ; an electric bill showing physical address ; a XXXX XXXX credit card bill w/account number proving I have a credit card that should be showing in my file and in my history ; a copy of the first page of my Equifax XX/XX/XXXX XXXX XXXX XXXX report proving that as of that date they DID have all my real estate and revolving credit accounts listed with a full history. No response, no resolution.
XX/XX/XXXX : A phone call to Equifax results in their stating I now have a file but it is empty of history, as if starting over. This is unacceptable to me. I explain I will fax the full XXXX page XX/XX/XXXX Equifax Mint Credit Report so this time they can see proof of my longstanding credit history ( that they themselves provided me 3 years earlier ) and hopefully re-fill/re-build my account. I did so also including a repeat of the prior week 's documents verifying ID in multiple ways.
XX/XX/XXXX : To date, 4 years after they DID have my full credit history, 2 years after they stated my file was lost, 1 year after they stated a file was re-established but this time void of my longstanding history, and 1 year after any contact with them, the issues remain unresolved.
Note : Many phone calls and communications occurred beyond the major ones listed here as a timeline.
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01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. This account state that I have 30 days late. However I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed.
XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
2. This is a charge off account it should have no balance owed and the date of last reported is reporting inconsistent to the other bureau.
XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
3. I don't have contractual relationship with this company. I don't recognize this collection account. Please provide me the name and address of the original creditor. Pursuant the Fair Debt Collections Practices Act Section 809.
XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
4. I don't have contractual relationship with this company. I don't recognize this account. Please provide me the name and address of the original creditor. Pursuant the Fair Debt Collections Practices Act Section 809.
XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
5. I don't have contractual relationship with this company. I don't recognize this collection account. Please provide me the name and address of the original creditor. Pursuant the Fair Debt Collections Practices Act Section 809.
XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
6. I don't have contractual relationship with this company. I don't recognize this collection account. Please provide me the name and address of the original creditor. Pursuant the Fair Debt Collections Practices Act Section 809.
XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
7. Validate Account U.S. DEPT OF ED XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
8. XXXX XXXX Bankruptcy Case Number : XXXX Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report.
9. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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1. XXXX XXXX XXXX XXXX Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in the months of XX/XX/XXXX up to XXXX XXXX, 60 days late from the month of XX/XX/XXXX and XX/XX/XXXX, as well as 120 days late on the month of XX/XX/XXXX and XX/XX/XXXX and 150 days late in the month of XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
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12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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When a consumer 's promissory note, such as a retail installment agreement, is given to a financial institution by the dealership, the bank records it as both an asset and a liability. It is considered an asset because it represents the future payments the consumer will make, which have value. At the same time, it is also a liability because the bank owes the consumer the funds promised in the note. To facilitate the purchase of the car, the bank then credits a transaction account for the depositor ( the consumer ) with the loan amount specified in the promissory note. This means that the bank is essentially providing a so called loan to the consumer, which allows them to purchase the car. The bank may issue a check or transfer the funds directly to the dealership on behalf of the consumer to complete the transaction. This was never disclosed in any of the agreements with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Follow that each company has violated GAAP guidelines. 15 u.s. code 1681 ( a ) states i have a right to privacy which i am govern under this law. Following 15 u.s. code 1681 ( a ) section 2 which also states a consumer reporting agency can not furnish a account without my written consent on that matter this is considered identity theft or fraud. In accordance to law literature, I the good faith creditor also exercises 15 u.s. code 1681 ( c ) 2 section ( a ) blocking information resulting from identity theft in this section a consumer reporting agency shall block the reporting of any information in the files of a consumer that the consumer identify as identity theft or alleged identity theft, no later than 4 business days after the date of receipt by such agency. I the good faith creditor did not and has never given any of the listed alleged creditors written permission to furnish any account on my consumer file. Ignorance of the law is no excuse. ( Without prejudice ) Further action will be take and lawsuit will be set in place if companies does not apply. Each has violated my constitutional god given right as a natural citizen. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of error A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. IRS PUBLICATION 4681 ( 2022 ) As defined by the IRS even if you didnt receive a form 1099 C you must report canceled debt as gross income on your tax return.
As a technical term of the law. duty signifies a thing due ; that which is due from a person ; that which a person owes to another. A moral or legal obligation to do a thing.
Such practices undermine the integrity of the debt collection process and contravene the provisions of FDCPA Section 807, which prohibits false, deceptive, or misleading representations. I demand that you cease all false or misleading representations immediately and provide me with evidence of compliance with FDCPA Section 807 requirements or delete this from my consumer file immediately.
The IRS clearly defines a charge-off as this account inaccurate.
Which in fact makes your reporting of gross or ORDINARY INCOME, INCOME DOES NOT GET REPORTED ON THE ( CONSUMER REPORT ).
By definition the IRS clearly says a canceled debt or charge off is income. The reporting off this account as a debt is inaccurate according to the IRS PUBLICATION 4681.
Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A.
Which proves you XXXX XXXX XXXX has violated and neglected my rights. Below is a remark that was left by an agent of XXXX XXXX XXXX XXXX XXXX This is also evidence that a charge off is being furnished on my consumer report, which it clearly states in the IRS PUBLICATION that a write off is ordinary income that MUST BE REPORTED ( mandatory ) on a tax return. There The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1 Under penalty and perjury i the secured party creditor never received a Notice from XXXX XXXX XXXX XXXX XXXX, in fact the lender or any of its agents never sent me a copy of a 1099-C which is considered as a cancellation of debt that was filed as a write off on a tax return according to the IRS Publication.
Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. XXXX XXXX XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as wells 60 days late on XX/XX/XXXX also 90 days late on this account in XX/XX/XXXX and 120 days late on this account in XX/XX/XXXX last but not least 150 days late on this account in XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Someone has taken advantage of me and none of the credit bureaus are doing anything about it. When I dispute with them, they either tell me they aren't disputing the same information or the creditor has " certified '' with them that these accounts belong to me, no matter how much I stress they don't. I want my life back. 2020 has been an awful year for me and it doesn't help when XXXX, Equifax and XXXX allow people to become victims of identity theft.
XXXX XXXX XXXX-unverified ( I have disputed these charges many times but they keep coming back saying that it was certified ).
XXXX XXXX-unverified ... same situation XXXX XXXX XXXX ... same situation Then I have several inquiries that need to be taken off as well that are fraudulent : XXXX Dept. of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then the addresses that don't belong to me either : XXXX XXXX XXXX XXXX XXXX XXXX These items need to be corrected. I filed an affidavit with the FTC because they are helping me but they are disregarding that as well. At this point, I want to seek legal action.
This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX and XXXX continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
2. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. XXXXXXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
6. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
7. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
8XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
9. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
10. XXXXXXXX XXXX XXXX XXXXccount Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
11. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
12. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
13. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
14. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
15. XXXX XXXX XXXX XXXX
Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
16. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
17. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX, I contacted XXXX regarding a notification that a XXXX store located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX had run a hard inquiry ( one that effects your score ) via Equifax. I contacted XXXX via phone and they told me to contact Equifax and XXXX to initiate a dispute.
Equifax Complaint I contacted Equifax 3 times ( approx. 3 hrs. ) on XX/XX/XXXX via phone and tried to initiate a dispute over the XXXX credit inquiry, request a copy of my credit report and place a fraud alert on my account. Their phone number directed me to an overseas call center where I was told that the dispute into the inquiry had been initiated but, when I checked my account on XXXX, no such dispute was shown as having been initiated so the representative to whom I spoke on XX/XX/XXXX did not do their job since that was the primary reason I had called. In addition to this, the fraud alert that had been requested on XX/XX/XXXX had also not been placed. On XXXX, wanting to follow up and hoping to avoid the nightmare of overseas customer service, I decided to try their online system when I noticed that Equifax offers Identity Theft Protection plans starting at {$19.00} and reflected that I was receiving free XXXX credit monitoring because of the Equifax databreach of XXXX and thought, " Wow! What a marvel of modern capitalism, I can pay these guys to fix a problem they created through their carelessness and greed which they purposely make difficult to resolve. I wonder if they make it difficult in order to sell their service? What a miracle of the 21st century! '' I then used their online system to initiate a dispute over the XXXX credit inquiry, place the fraud alert and to initiate a dispute over a XXXX XXXX Credit Card account which was shown as open on my credit report but that XXXX XXXX, whom was contacted on XXXX, had no record of under neither my nor my wife 's names or SSNs. I have yet to hear a response from Equifax on the XXXX Credit Inquiry or the XXXX XXXX CC removal.
XXXX Complaint I contacted XXXX 3 times ( approx. 2 hrs. ) on XX/XX/XXXX and was told that XXXX does not offer services in NC in my area and that as far as they could see no account was listed under neither my SSN nor my name and XXXX told me that a Credit Bureau Inquiry ( Ticket # XXXX ) had been initiated in my name and that I should hear something by XX/XX/XXXX. I also requested a letter stating that an account had not been opened using my information but was told that no such letter existed. I have yet to hear a response from XXXX and am doubtful that I will since I am not their customer nor do they provide service in my area.
XXXX Complaint On XX/XX/XXXX, while checking my XXXX credit report online, I noticed that XXXX had two birth dates listed on my credit report and so I initiated a dispute using their online system to correct the date. On XX/XX/XXXX, I received a notification that the dispute had been resolved and on XXXX while checking on other credit report related discrepancies ( see above ), I decided to follow up on this one as well. After following the link to access the dispute results and entering their secret text code, I was re-directed to an advertisement for the XXXX Identity Theft Protection for the low, low price of {$19.00}. I clicked " No, keep my current membership '' because I thought, " This is not a problem I created, it is a problem that has been created for me by the lack of security on the part of those who harvest my information without my consent and who also sell said information at a profit, thus shouldn't these 3 credit reporting bureaus be obligated to protect my information which they sell without my consent free of charge? '' Then I remembered that this was the 21st century, an age of wondrous capitalist innovations, of convenience and subscriptions which slowly bleed your account until you are in the poor house and I saw a bully trying to take a kid 's lunch money. Trying to put these thoughts and images out of my mind, I proceeded to the notifications section of their website. My heart raced with excitement as I imagined an employee doing their job and I clicked the XX/XX/XXXX message entitled " Your Dispute Results Are Ready '' only to be told, " Your dispute results are currently not available online ''. The phone number, ( XXXX ) directed me to an overseas call center where not a single employee ( I contacted XXXX 's overseas call centers 12 times that day -- 4 hrs of my personal time! ) could locate my dispute results when given the " Report # XXXX '' as listed in Experian 's online system. Finally, I spoke with XXXX ( Employee # XXXX ) who referred me to XXXX who refused to give an Employee # probably because XXXX had told him I was angry. XXXX, supposedly a supervisor, said that no dispute had been filed with regard to my birthdate despite my having received a notification that the dispute had been resolved. He then initiated a dispute on XXXX over the phone. On XXXX, I received notification that my birthdate year had been updated as requested. When I checked the results, XXXX had resolved the dispute by listing the wrong birth year in my credit report. Whether this was a mistake resulting from spite or poor English, I will never know. I tried contacting the company again on Sunday, XXXX and was told that they were gone for the weekend and I thought, " Man, I wish I got to enjoy my weekend instead of having to clean up somebody else 's mess ... '' Then I remembered that for the low, low price of {$19.00} a month XXXX would correct the mistake that their employees had made for me on XXXX and again I found myself in awe of the economic wonders of the 21sXXXX century. As of this time, the inaccuracy stands due to the fact that the company can not be contacted during weekend hours which means I'll probably have to take some time off from work this week in order to correct it which means I'll lose money which is gon na make it hard to pay the {$19.00} a month to get that fancy XXXX subscription to fix the problem that XXXX at XXXX created for me.
Thanks XXXX & Equifax!
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12/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, XXXX. XXXX XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Also 60 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX also 90 days late on this account in XX/XX/XXXX, lastly 120 days Late in XX/XX/XXXX I immediately disputed this information with XXXX XXXXXXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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12/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXX. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXX, XXXX XXXX, 90 days in XX/XX/XXXX, XXXX XXXX, 120 days in XXXX XXXX, XXXX XXXX 150 days i XXXX XXXX 30 days in XXXX XXXX, 60 days in XXXX XXXX, 90 days in XX/XX/XXXX, and 120 days in XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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12/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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1. XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XXXX XXXX 60 days in XX/XX/XXXX, XXXX XXXX, 90 days in XX/XX/XXXX, XXXX XXXX, 120 days in XXXX XXXX, XXXX XXXX, 150 days i XXXX XXXX 30 days in XXXX XXXX, 60 days in XXXX XXXX, 90 days in XX/XX/XXXX, and 120 days in XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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11/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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1. XXXXNELNET Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX, XX/XX/XXXX, as well as XXXX late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with DEPARTMENT OF EDUCATION NELNET and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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